Ways To Save Money At The Dentist

by Guest on September 23, 2016

how-to-save-money-when-you-visit-the-dentistMaintaining good oral health is a responsibility of every individual. Visiting the dentists is very important if you want to maintain proper oral health. However, making regular visits to the dentist might become costly for most people. Due to the necessity of obtaining oral treatment from the expert, it is vital to find ways of saving your money. The techniques below will be beneficial.

Get insurance
Most of the people that find it hard to seek dental treatment do not have insurance. Getting insurance for dental treatment is a great idea. The cost of maintaining insurance cover tends to be cheaper than paying upfront to get treatment. Some insurance companies will require their clients to pay a minimum fee of twenty-five dollars or less. This makes seeking treatment regularly cheaper. [click to read…]

Common Payday Loan Questions & Answers

by Guest on September 21, 2016

payday-loan-factsPayday loans are one of the most popular fast loan or short-term loan vehicle in Canada as also in many other Western countries. But they are one of the least well understood. Many companies expose borrowers to payday loans without properly educating them about the perils and dangers of the same. They are only shown the bright side but the thorny side is conveniently suppressed.

Most borrowers don’t read the fine print of the loan documents carefully while signing them. They pay for their naivety later on when they find out about the additional charges, pre-closure penalty fee or auto loan renewal and all these charges keep adding up often without the knowledge of the borrower. When he gets trapped completely in the payday loan repayment bills completely, the lenders put the blame squarely on him saying that all the warnings and terms and conditions were written in the various documents that he had signed and he had used his own discretion to take the loan. So, they are under no way responsible for the borrower’s plight.

That is why the provincial governments in Canada have framed quite a few laws to protect the borrowers from facing harassment from the debt collection agents and lenders. It is important that you know about them. You should be equipped with the common questions and answers regarding payday loans as well before you decide to apply for one yourself.
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How To Break The Paycheck To Paycheck Cycle

by Pam on September 21, 2016

breaking-the-paycheck-to-paycheck-cycleOkay, so you have graduated from college, you landed a good job, and you are ready to start your own life now. But, the problem is, you are already living paycheck to paycheck.  While you are no longer in college, you may still feel like you are living the life of a struggling college student and this is quite disappointing. You were ready to kiss that life goodbye and finally be able to live the way you want. Unfortunately, it did not happen that way. But, luckily for you, this article will help you break that horrible paycheck-to-paycheck cycle.

What Is This Paycheck-to-Paycheck Life?
The paycheck-to-paycheck life is one where you are waiting to receive your next paycheck or deposit to make financial moves in your life such as buying groceries or paying a bill that is due. This type of lifestyle can be depressing for many and cause a lot of anxiety and stress, especially if you know that you will run out of food or a bill comes due BEFORE your expected paycheck or deposit.
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EzTrader Is Not A Scam

by Sean on September 21, 2016

not-a-scamIn the financial world it is eminently easy to worry about the idea that a website or service you are using is a scam. In particular, brokers and other trading companies must be trusted with a large amount of money for their clients to use the service and see dividends. This means that a level of suspicion when first learning about a company is healthy.

However, a cursory look at EZtrader will prove EZtrader 100% not a scam. To explain exactly why this is, we need to define a scam. In the trading world, a scam is typically carried out by an illegitimate business that does not provide what it claims to offer to its clients.
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How To Negotiate & Reduce Your Medical Bills

by Guest on September 19, 2016

how-to-lower-medical-costsHealthcare is expensive and the costs keep rising. As a result, most Americans have been forced to pay a lot more than they have or what they paid a year ago. With such high costs and the current state of the economy, it is pertinent that all patients find out ways of spending a little less on healthcare to have manageable medical bills. Here is a list of ways to reduce your medical bills:

Be knowledgeable about general medical rates

In the current world, you have no excuse of having zero knowledge about Medicare and other medical facts that could help. You should read all there is about the amount that you should be charged for the medical procedure to be undertaken, the cost of the tests and the Current Procedural Terminology.

Armed with this information, you will be able to negotiate for better services at affordable rates. Such information gives you bargaining leverage before the medical procedure and a fall back plan after the procedure, in case any changes are made. It is important to confirm the Medicare rates before any procedure.
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Start Saving The Right Way

by Sean on August 26, 2016

unusual ways to save moneyIf you just started making money on your own, you might be wondering why there is so much pressure to save money. If you have plenty of money to pay for the things you need, why should you put any aside and not spend it on things you enjoy? There are more than a few reasons to begin saving money, and every situation is unique. The best policy to begin with it to put aside just ten percent of your money every month. This allows you to retain plenty of spending money while building something behind the scenes to fall into should you fall off a financial cliff.

Emergency Funds

No one can predict an emergency, so it is important that you save what you can so you do not experience too much backlash should one occur. An emergency fund will cover sudden and unexpected expenses, such as a trip to the ER or a lifesaving surgery for your cat. Unexpected car repairs are always expensive and can add up to thousands lost.
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Four Alluring Forex Bonuses

by Sean on August 7, 2016

forex trading tipsA forex bonus is free money that a forex broker gives you to trade using its trading platform. The only string attached is that you can’t take out the amount unless you trade a certain amount of positions. There are a number of forex bonuses and not every bonus is the same. They vary in size, type and bonus clearing requirements.  And obviously each of them has its own pros and cons depending on the amount of your trading capital, trading strategy and trading experience.

There are usually four types of forex bonuses featured by different forex brokers –

  1. Forex pending bonus
  2. Forex no deposit bonus
  3. Forex instant bonus
  4. Forex reload bonus

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