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Saturday, November 23, 2013

Pay Less By Using a Limited Data Plan With Your Android Phone

People with Android phones often look for ways to pay less to use their phones. Nowadays, no one really wants to spend money unnecessarily. Whether you pay your phone bill or your employer pays it for you, it’s important to keep your costs as low as possible.


Consider using a limited data plan if you don’t use a lot of video or graphics every month. People who have limited data plans save money by staying on these plans. The drawback is that when they reach their limit, they cannot use their phones as they would like.
Product Details 

It is easier to maximize the benefits of using a limited data plan if you are able to keep track of how much bandwidth you have used. This is not easy if you are just trying to keep things in your head. For one, there are programs that often run in the background that you completely forget about.

Consider using an app that makes it easy to keep track of the amount of bandwidth you have used. These apps make it simpler to track data usage. Data manager apps are usually available at a minimal cost and allow you to use your Android device more effectively and save money.
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Monday, October 14, 2013

Are You Giving up or Moving on With Your Life?

Many people persist with things because they don't want to seem like they are giving up. However there is a time to decide when the route you've chosen isn't getting you to your desired goal. Read more from Strong Inside Out: "Am I happy?

Wednesday, October 9, 2013

Tips on Writing a Classified Ad- Selling Your Car Online or in Newspapers

Classified ads online and offline are usually more affordable than other forms of advertising. In fact, classified ads online are often free. They provide access to a large audience and give you fast results when you need to sell a car.

Print newspapers will price their advertising space according to their readership. This means that targeting a small, community based newspaper may be more advantageous for you. For one, you are likely to pay a lot less for your ad.

Secondly, you will probably get more people from within your own community who are interested in the vehicle. This means you won’t have to deal with any of the issues that sometimes arise when interested buyers are further away from you.

When you put contact information in your ad, make sure you use a form of contact that suits your working hours and you and your family’s needs. You may even consider setting up a new email address for this purpose for convenience.

Your chances of selling your motor vehicle improve when you give information that buyers are interested in. Whether you are advertising online or offline; there are certain things you should let your potential buyers know even before they contact you.

Your classified ad should describe that vehicle’s:
1. Make and model
2. Price and whether the price is negotiable
3. Any modifications that have been made to the vehicle
4. Whether the air conditioning is in good working condition
5. Overall condition, that is, whether it is clean, has had any body work done, etc.
6. Whether it has new rims or new tires
7. Type of engine

The items listed above can increase the value of your car in the eyes of other drivers. Never overlook anything because it seems small. For example, if someone knows that a car has low mileage or you put in more comfortable seats, they will be more interested in it.

I previously published Tips on Writing a Classified Ad on 

Independent Information Exchange: Personal Finance Essentials

Independent Information Exchange: Personal Finance Essentials: Ensuring a secure financial future can only result from developing a comprehensive plan and adhering the sound financial principles. Such a...

Monday, July 8, 2013

Review of the Book How to File for Chapter 7 Bankruptcy

How to File for Chapter 7 Bankruptcy is a book written as a guide for individuals who have made the decision to pursue this option. Filing for bankruptcy introduces new financial issues and should not be done lightly. However sometimes individuals consider it to be their best option.

Help for Individuals Considering Personal Bankruptcy
The attorneys who have written How to File for Chapter 7 Bankruptcy focus on personal bankruptcy. It better prepares you for what will be an uncomfortable process. Many people nowadays are struggling with debt and bankruptcy may be the only way out for some of them. That is what the personal bankruptcy laws are there to provide- relief for people in severe economic straits.

NOT a Guide for Corporate or Large Business Bankruptcy
If you are considering corporate or large business bankruptcy, this book is not for you. It will not provide the information you need. The book does not focus on Chapter 11 bankruptcy. If you are running a business out of your own pocket, then the book will provide information that can help. For example, suppose a person contracts their services as an editor for a magazine and operates as a small business. They can file for personal bankruptcy.

Who Wrote the Book?
The lawyers who wrote the book are:
  • Stephen Elias
  • Kathleen A. Michon
  • Robin Leonard
  • Albin Renauer

Filing Without a Lawyer
Some people who have read the book have done so with the intention of filing for Chapter 7 Bankruptcy without the assistance of a lawyer. If this is what you want to do, this guide will help you to understand the process better and know what is required to complete your filing successfully.

If you are planning on filing with an attorney, How to File for Chapter 7 Bankruptcy will still help you. It will clear up some of the issues you may have had about the process. It will also provide you with the information you may need to ask questions that you may not otherwise have even thought of.

How to File for Chapter 7 Bankruptcy

Monday, July 1, 2013

Selling a Business Online: How to Sell Your Business

Selling a business online has become easier with the development of websites that are solely for this purpose. There are several of these that have a large network of entrepreneurs. Some concentrate on the needs of clients in a particular part of the world, such as the United Kingdom. Others are open to countries across the world.

You will also notice that some sites focus on businesses that sell to customers from a physical storefront. This means that while you can get buyers for your business online, you do not have to be involved in ecommerce to do it. There are other sites that sell businesses that have been built online and are meant to cater to customers who shop exclusively online.

There are several traits you should look for in a website that makes it easy for you to sell a business on the Internet:
  • You should not need to sign an agent’s contract
  • You shouldn’t have to pay a sales commission
  • Any fees that are charged to list or buy businesses should be fixed
  • A large network of buyers
  • Guidance available online from people associated with the site

All images above are via Wikimedia

Having all of these characteristics present increases your chances of success when you list your business with a website. If a site does not satisfy these criteria, it is likely that you will take a longer time to find your ideal buyer.

The Complete Guide to Selling a Business (Available On Amazon)

Tuesday, February 5, 2013

Money Savings Tips-How to Start Saving Money with Direct Debit Banking

Direct debit banking is a convenient and relatively inexpensive tool that many people use to make their bill payments and deposits to several other savings accounts. Many banks offer direct debit banking.
Direct debit banking requires you to leave instructions with your bank to make a regular payment of a fixed sum to a designated account.
You can only make use of direct debit banking if you already have money in one main account that allows you to set up a direct debit payment to one or more accounts at other organizations.
Salary deductions are even better than direct debit banking because they allow you to make payments for free.
However, some persons would rather not use this option because:
  1. They prefer that their companies not know what their salary is being spent on.
  2. Their companies have a reputation for being tardy with payments to selected accounts. Especially where the required payments are for loans, this can cause interest to increase or late payment fees to be added on to the loan payment.
Where possible, some people send their salary to one main account and then conduct their private business from that account. 

The Smartest Way To Save: Why You Can't hang on to Money and What to Do About It


Persons who live in a country that is different from the one in which they have to pay their bills will face a problem, as it is not usually possible to set up direct debit banking from overseas if your bank does not allow this online.

Advantages of using direct debit banking:  
1)      You save on transportation. Instead of having to drive, or take the train, bus or subway to a certain location to deposit savings, you can have it done automatically.
2)      You save on time by using direct debit banking instead of having to rush out during your lunch time or use time you could have spent preparing for an important presentation or hurrying to meet a deadline.
3)      You take away the temptation of having extra money on hand to spend. Once you send cash away to an account that doesn’t have a debit card, you’ll be less able to use it on impulse buying.
4)      You save on stress. It’s one, or three, or five less things to have to think about doing every month. Many people use direct debit banking to pay their utility bills and insurance payments.
5)      You save on the late payment fees and extra interest you might sometimes have incurred by not remembering to make a payment.

Sunday, February 3, 2013

Good Ways for Kids to Earn Money Fast in the Summer or on the Weekends

It’s summer now and many older kids will be hoping to spend more time on having fun than doing any kind of academic work. Even the kids that have to spend a few weeks in summer school are looking forward to the end of those few weeks.

Summer fun costs money however, and some kids may have gotten summer jobs, to have extra money to spend and save, apart from that given by parents and relatives.

Kids have many skills that they can use to generate cash.

Kids Can Make Money Too: Over 200 Ways to Make Money and How to Make it Grow

Baby Sitting
If your child is responsible enough, he or she may be able to babysit for people in the neighborhood.

Make Sweets
If your child is good at baking, he or she could make a tidy profit baking brownies, making peanut cake, etc and selling them in their neighborhood. Some adults may be willing to assist by carrying some of the product to their workplace and distributing them from there.

Car Washing
Kids may find more opportunities for car washing in the summer. Summer fun is not limited to kids and many adults plan vacations during the summer.

As older people take long trips to the country, or plan on taking trips out of town, having the mode of transportation look spic and span may be higher on their list of priorities.

Young adults wanting to impress their friends will spend more money on keeping their car in tip top shape.

Kids can earn extra money in the summer by trimming hedges, mowing lawns, removing weeds from gardens and even assisting in planting a garden. Kids can even get ongoing business this way.
Some people would like to plant herbs and vegetables but don’t have the time to prepare a raised bed for the plants, or keep weeds under control. Kids can offer this service if they have a green thumb.

Start an Online Business
If your child is tech savvy, and an entrepreneur at heart, they may be able to start a business online. Crisp Thinking, a software business that protects children from pedophiles online, was started by a teen, Adam Hildreth. Adam now has a net worth of almost 4 million dollars.

Saturday, February 2, 2013

Dell Small Business Computers- Save on a Refurbished Computer for Your Small Business

Buying a refurbished computer is a good option for both businesses and homes that need computer access. Computers are expensive and refurbished computers are much cheaper than new computers. Small businesses can save significantly by using refurbished computers.

While some businesses can avoid the use of computers on a regular basis, and may outsource some of their computer needs to companies which provide different services, such as inventory management, this doesn't work for all small businesses. For many companies, at least one computer is essential for efficient functioning of the business.

Windows 7 Professional Installed by a Microsoft Authorized Refurbished Dell Optiplex 745

While there are several motives for buying refurbished computers, all sources for refurbished computers are not created equal. There are increased benefits to buying refurbished computers from the manufacturer.

 More people suggest that buying refurbished Dell computers directly from the Dell Outlet is better and they have good grounds for doing so.

  • Refurbished computers cost less than new computers.
  • Using refurbished computers is environmentally friendly, reducing waste.
  • Refurbished desktop computers which are bought from the Dell Outlet are backed by the same restricted warranty and service as if you bought new computers.
  • Refurbished computers from the Dell Outlet are transported quickly and shipping is free.
If you want a computer, you can meet your small business needs and satisfy your budget by buying a refurbished computer.

Thursday, January 31, 2013

Developing a Winning Sales Team

Managers or team leaders who want to develop a winning sales team will realize that it takes a combination of strategies to do so.

The first step in developing a winning sales team involves selecting the right people. At the interview stage, people with an aptitude for sales should be chosen. Look for a positive spirit, a competitive attitude as well as technical skills.

Motivate your team properly. Sales persons are not all driven by the same thing. However all sales people are driven by something. In order to bring out the best in each member of the team, and drive each member of the sales team to achieve their highest level of performance, the leader of the sales team must have an idea of what serves to motivate each member of the team.

Team leaders often go wrong by using the wrong form of motivation in an attempt to get winning performance from each salesperson on the team. Choosing the wrong method of motivation can produce the opposite result.

The Accidental Sales Manager: How to Take Charge and Lead Your Sales Team to Record Profits

Money is a good source of motivation for many salespeople. Of course, it’s not the only source of motivation. An incorrectly designed pay package can serve to discourage salespersons. For example, a salesperson that is paid solely on a commission basis often does not perform as well as a salesperson who receives a base salary and an additional commission.

Praise and recognition can help you to develop a wining praise team. The criteria for giving awards or recognition to members of your sales team should be clearly established. The process of selecting winners from among the sales team should be transparent.

The criteria used for selecting team members for special recognition should be those that obviously help the team to perform better. This helps motivate team members to improve in areas that will improve the overall performance of the team. Making contact with potential clients, reaching a certain level in commissions earned, and various other measurable areas, can be used.

Wednesday, January 30, 2013

Federal Student Loan Program Facts and FAQ

Federal student loans help university students, college students and other students who qualify, with finding money to pay for their course of study.

To submit an application for a federal student loan in the United States, all applicants need to have their social security number. College students will also be required to show evidence of financial need in order to apply for a federal student loan.

How to Get Money for College: Financing Your Future Beyond Federal Aid

Students who need help in applying for a federal student loan can contact the financial aid office at their university or college.

Getting a loan is difficult. Getting bad credit loans is even harder. Diligently putting money saving tips into practice can help students gather some of the funds for tuition, so that they are able to borrow less money.

Borrowing less money means that, of course, there will be less money to repay when the course of study is completed. Many students have found that they can save enough to cover a significant portion of their tuition and books, if they start working and saving early.

Students sometimes have to become entrepreneurs in order to earn the money that they need. Some federal student loans do not cover the additional costs of education, and having some money saved, can help students who have to pay significant sums for these other expenses.

2012 Toyota Camry Gas Mileage

The 2012 Toyota Camry is one of the most fuel efficient vehicles around today. The strength of the 2012 Toyota Camry lies in its dependability. Drivers also like the Toyota Camry because it is well built and comfortable.

The Environmental Protection Agency (EPA) gas mileage rating applies to all vehicles sold in the United States, even if they are manufactured overseas. It describes how fuel efficient a car or other motor vehicle is.

How to Save Money on Fuel- Saving Money on Petrol or Diesel

The 2012 Toyota Camry doesn't have the speed of the Enzo Ferrari however it has better EPA gas mileage. It can give at least 29 miles per gallon of gasoline.

The Toyota Camry has gone through many changes over the years and has always been popular among drivers. Some of the most popular models are the 2007 Toyota Camry and the Toyota Camry 2001. All Toyota Camry models are fuel efficient.

Vehicles by Nissan also give good gas mileage. A gas mileage calculator can help you to compare gas mileage figures, so you can see how much money you save with each vehicle model.

The 2012 Toyota Camry helps drivers to save money. By providing them with good gas mileage, the vehicle can allow drivers to save thousands of dollars over time. With gas prices rising every day, buying a vehicle that gives good gas mileage is essential. Selecting the right vehicle is the most important purchase decision a driver will ever make, with respect to fuel economy.

Financial Advice for Couples Living Together- Living Together Financial Arrangements

Moving in together, or cohabiting, is a major move which affects the finances of each person in the relationship. Cohabitation statistics indicate that more couples are living together because of the economic climate, in many cases, postponing a wedding.

However, before moving in together, couples should consider the benefits of having a simple court wedding that offers both parties financial protection. Finances and marriage are a little easier to manage, since marriage offers more protection to both parties in the relationship.

Cohabitation law offers some protection to persons who move in together, but cohabitation law does not offer the financial protection to a cohabiting couple that a married couple has. Marriage and cohabitation offer different rights, and persons considering marriage and cohabitation should be aware of the rights they have in each case.

The Guide for any Woman Who’s Planning to Live Together Before Tying the Knot


Unmarried couples living together can take several steps to ensure that money issues are dealt with properly. Before moving in together, couples should make plans for how they will deal with money issues. The act of planning for finances and the presence of further planning for the future indicates the strength of the relationship and the individuals in it.

Making good plans helps couples to make better decisions, and enjoy the moment with less stress or worry. Without adequate preparation for the future, the next moment may be less than what it might have been, with proper planning. Combining a bank account with a cohabiting partner is not necessary. In fact, few couples do that when moving in together. Both credit cards and savings accounts should be kept separate.

Sharing these accounts makes you liable for the spending habits of your partner- good or bad.

For property that is jointly owned, it is usually assumed that each party owns an equal share of the property. If there is a breakup, each person should receive an equal share of the proceeds from the sale, provided that they also shared expenses relating to the sale in the same way.

Where there are children in the relationship, there is an obligation on parents to support their children financially. You can consider making a written contract with your partner that shows who owns what, and how you split income and expenses. has useful forms that you can download and use to make a written property agreement.