Pennysaverblog – Page 181 – Smart Finance and Money Saving Tips

Business

5 Cheap And Effective Marketing Techniques For Your Business

If you’re someone who already owns a business or is about to start one, you are probably aware of the fact that there tends to be some pretty stiff competition out there. That’s a big part of the reason why over half of all companies close their doors within the first five years of opening them. Well, that and the fact that many try to cut corners on their marketing.

And here’s the thing: Even if you do have an awesome product or service, how much is it going to matter if no one really knows that it exists? That’s why we feel that it’s extremely important to make marketing a top priority. So, if you’re looking for some cheap and effective techniques to get the word out about your business, we have five solid ones for you below:

Cultivate relationships in social media. Aside from the fact that having accounts on Facebook, Twitter, Linked In, Instagram and even Pinterest are great ways to market your business, it’s also an easy way to connect with newspapers, magazines, radio stations, blogs and other media sources that you probably wouldn’t be able to any other way. So look for publications and other platforms and reach out to a podcasting marketing agency that serves your demographic and try connecting with them. You never know what interview or story about you or your company could come out of it.

October 28, 2013

Household

Do Not Let Your Pool Closing Chemicals Stain Your Pool

The homeowner decides it is time to shut down the pool for the winter – the kids are back in school, leaves are turning, and no one has used the pool for several weeks. It’s time to “winterize” the pool, to prevent problems from developing over the winter. But during the process, the homeowner doesn’t want to accidentally do something by adding chemicals which might stain the pool. So how can a pool owner perform a successful winterizing process without creating stains?

Read the instructions. According to Wisegeek.com, the first suggestion is to read the instructions on pool winterizing kits. The chemical treatment for winter is to introduce a mixture of winter chlorine, alkalizer, and powder to ensure that the pool stays clean over the winter. A number of manufacturers offer winterizing kits, and each has different directions. This is because some of the manufacturers recommend different products to accomplish the winterizing task. The nice thing about shutting down the pool for the cold months is that most pool winter kits are pre-measured – they have chemicals in proportions for just the size of pool in question.

Each of these winterizing kits will introduce extremely high levels of the chemicals into the pool. Some chemicals require that the pool filter be turned on while the chemicals are added. Some don’t require the use of the filter. Make sure to follow the directions for the kit that is being used – failure to do so could result in stains to the liner. If chemicals are incorrectly applied, it could result in a nasty surprise when the owner goes out to the pool in the spring. He could remove the pool cover to find an ugly stain on the pool liner, which would be difficult to remove, and require a lot of work to eliminate. Read the instructions.

October 27, 2013

Debt

Pay Off Your Student Loans Ahead Of Schedule With These Money Earning Ideas

When most students finish their college education, they graduate with a hefty amount of student loan debt. Investing in education is a wise investment since many of today’s top jobs require a college level education. However, paying off student loans can be a huge problem in your family’s financial plan.

If you are able to bring in more money, you can make extra student loan payments. However, most people do not have the time to work a second job when they already have a full-time job. If your regular job is already keeping you busy, it is time to think outside the box when it comes to making extra income.

If you want your loan balance to disappear quickly, it is important to apply your extra funds to the principal of the loan. Once you start making extra payments every month, you will be thrilled at how quickly your balance decreases. The following ideas can all help you make extra money that can be applied to student loan payments.

Sell Unwanted Items

We all have things in our homes that we do not need and will never use again. Instead of having those items clutter up your home, start selling them for cash! eBay and Amazon charge a commission from every sale, but there are plenty of ways to sell your items without paying a fee.

Craigslist allows an unlimited number of free listings, and the site allows you to focus on buyers in your area. Pictures are king on Craigslist, so be sure to include attractive pictures of your items with each listing. To avoid scammers, accept only cash for your items.

If yard sales are popular in your area, consider committing one weekend to hosting a yard or garage sale. You can make your sale a family effort by encouraging all of your family members to get rid of unwanted items. At the end of your sale, offer the items for 50 percent off to ensure that you do not have to put them back in your garage.

October 27, 2013

General

Comparing Term To Whole Life Insurance: Which Is Right For You?

Most people don’t spend undue time worrying about an early demise when they’re still young, healthy, and seemingly invincible. But all it takes is one serious illness or injury or the death of a loved one to remind us that we’re only human, we’re fairly fragile, and that life is fleeting. In short, many adults, at some point, start to consider what kind of mess they’ll leave behind when they pass away. This can prompt them to explore the prospect of writing a will, letting a loved one know where important legal documents are kept, and of course, purchasing life insurance. But you’ll find that there are many different options when it comes to life insurance policies. The two most common categories, however, are term and whole life. The only question is, how can you decide which is right for you?

Although both term and whole life insurance will pay out in the event of your death during coverage, this is about the only way in which the two types of policies are the same – from there they diverge considerably. As you might have guessed from the names, term life insurance covers you only for a specific length of time, determined when you start coverage, whereas whole life insurance is good for life (although in both cases coverage is dependent on your ability to continue paying for the policy you have selected). So far, whole life sounds better, but don’t get ahead of yourself.

October 26, 2013

Household

5 Tips For Heating Your Home In Winter For Less Money

As the winter months approach, many homeowners prepare for the cold, chilly months, and the associated high cost energy bills! Instead of wasting energy and money to keep your home comfortable, try using some home energy saving tips to reduce waste and cost, while still enjoying a comfortable, cozy home. Here are 5 tips for heating your home in winter for less money.

Get rid of drafts. Often drafts will seep in from under your doorways, allowing cold winter air in, and allowing comfortable warm air out. These drafts also tamper with your thermostat sensor since it thinks the entire house is colder than it actually is, causing your heating system to overwork. When your heating system works harder, it is wasting additional energy and costing your more money every month on your energy bills. To help reduce drafts and save money, consider buying or making a draft snake. These attach just under your door and are a barrier between the cold and the inside of your home. You can even use a makeshift draft snake by rolling up an old towel and propping it under the draft door.

Replace furnace filters in your home. These should be changed or cleaned at least once a month during the winter months for best results and to ensure that your furnace works well for years to come so you can save money by not needing a pricey replacement. When the furnace filter is clogged or dirty, airflow is restricted and so your system uses more energy to heat your home. Keep track of replacement dates on a calendar so that you can be more diligent about changing filters in a timely manner. You may also consider purchasing a permanent filter such as a HEPA or Electrostatic filter, which will cost a bit more upfront but will save you in time and energy. These filters are not only easier to use, but also they are much better at trapping bacteria, pollen, viruses and mold that can be dangerous for your family to inhale.

October 25, 2013

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