Debt

Debt Management Guidelines That Will Help You Control Your Debt

Debt management does not have to be scary. In fact, debt does not need to be scary, but if you have bill collectors calling you or if your bills are piling up, it can feel confusing and scary. When you use the right management techniques for your debt, you can regain control and even save a little money.

Debt Reduction Strategies That Help You Save

Ideally, you should devote as much money as possible to debt reduction. If you can afford to cancel the cable or reduce how much you eat out, you need to devote this money to reducing your debts. When paying off debt, it is critical that you devote the most money to the debts with the highest interest rates. You should send every creditor the minimum payment, and you should send the leftover money to the creditor who is charging you the most interest. Once they have been paid in full, you can devote the extra money to the creditor with the second highest interest rate.

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December 19, 2012
Shopping

Tips For Saving Money When Buying A Car

buying carIf you’re in the market for a new car, it’s important to look at cargo space, engine power, and technological features. Yet you’ll also probably have a certain budget in mind. Instead of just looking at the initial sticker price of the car, you’ll need to think about other expenses that go into owning and maintaining it to get the best value for your money.

Compare Used vs. New

Although there’s nothing quite as satisfying as buying the brand new model of your favourite car, you can get a great deal by purchasing the same model slightly used. Cars start to depreciate sharply as soon as they are driven off of the new car lot, meaning that you could save thousands of dollars on a slightly used model. If you choose to buy a new car, be sure to think about the eventual resale value. Taking your car in for regular tune-ups will keep its value high, as will choosing a premium brand over budget models. Colours like blue, red, and black are the best options for resale in comparison to trendier shades that will date your vehicle.

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December 19, 2012
Banking

3 Ways To Avoid NSF Fees

What are NSF fees?

NSF or nonsufficient funds fees are charged by your bank if you write a check and it bounces due to lack of funds.  Most banks charge a fee of $40 or more, so this is definitely a fee you want to avoid.

You can prevent NSF fees by doing the following:

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December 17, 2012
General

Cutting Down Your Cost For Insurance

The economy has been unstable and unpredictable over the past few years and many countries have seen their economy’s enter a recession. The crisis was generally unforeseen because of the previous years of economic growth. This was fueled by the property boom and a lot of reckless lending practices. The bubble finally burst in the latter half of the 2010’s as the housing market collapsed, and the global financial crisis intensified.

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December 10, 2012
General

Learn A Language For Free With Google Translator

I love free things, and when they are as cool as Google Translator, I must say I get excited.  In the past, whenever I wanted to learn simple phrases in another language, I always felt compelled to buy a book, but now, I just go onto Google Translator and simply type in the phrase I want to learn and then select the desired language.

To get to the tool, use your favourite search engine and type in ‘Google Translator’.  Next, in the left box, type in the word or phrase you are curious about.  Then on the right, use the drop down and select the language you want to learn.

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December 10, 2012