18 November 2015

41 - 50 of 101 Money Saving Tips Series


41. Buffet Meals

When taking the family out to dinner, consider restaurants that have buffets.
In many cases, the prices are outstanding and a parent can share with a small
child. In addition, many buffets are “all you can eat” and of course, there is
something for everyone.

42. Cable Networking

If you have a computer upstairs and another downstairs and you use highspeed
data, have one of the computers be the primary computer and the other
be the backup. This way, you are only charged once for Internet access and a
small fee of $10 to $15 a month for the second computer. This is a great
bargain!

43. Proper Maintenance

Purchase an annual home warranty policy. These policies can run from $350 to
$500 a year and offer extremely valuable options. The way most of these
policies work is that if you have something break, such as your garage door,
dishwasher, air conditioner, etc., for a minimal fee, usually $50 to $100, a
serviceperson will come to your home to fix the item. Best of all, if you have
five things broken and the same serviceperson is qualified to fix all of them,
you are still charged the $50 to $100 fee once, not five times. For your
automobile, you might look into purchasing an extended warranty. If you ever
need either one of these policies, they will save you tremendous value.

44. Company Stock / 401K

Contributing to employee stock options or a 401K plan is a wonderful
opportunity to save. Most companies will match your contribution, sometimes
dollar for dollar, up to a maximum, generally 6%. From each paycheck, you
can have a small amount of money deducted (1%) and up. Over time, that
money grows and since the business is providing a match, you get free money.

45. Family Haircuts

Look for hair styling shops that offer family deals or learn how to cut hair
yourself. Many families take care of their own haircuts and put the money they
would have spent aside as a vacation fund. This system works out perfectly.

46. Wants versus Needs

Make sure the thing you want to spend your money on is a “need” and not a
“want.” Sometimes this can seem like a fine gray line but if you stick to the
need list, you will spend less.

47. Refinance

With interest rates being so low, consider refinancing your home and/or
securing a debt consolidation loan. You might have to come up with a new
closing cost but once paid, you will have lower payments, better terms, and
save thousands of dollars over the years.

48. Go Generic

When buying food, try some of the generic items. Unless you or your guests
are connoisseurs of fine dining, they will not know if the green beans were
generic or a top name brand. Once you add some butter, salt, and pepper, no
one will know the difference except you - $79 per can versus $33 per can!

People do not realize that many generic brands are actually manufactured by
name brand companies, just branded with a different name. In fact, companies
such as those that make snack foods will have conveyor belts that run side-byside
– one for the name brand and one for the generic brand. This is quite
common and the only difference is the label and price.

49. Stock Up

As you shop, if you notice that a brand you and your family use on a consistent
basis is on sale for a great bargain, stock up. As an example, if you use a
particular type of shampoo costing $4.50 per bottle and you find it on sale for
$2.50, go ahead and buy two bottles. You should only do this on items you
know will be used.

50. Shopping for Clothes

There are many secrets relating to saving money on clothing. As a perfect
example, rather than buy a matched suit for $450, buy the pieces separate.
This will save you about $100 to $150. Additionally, buy several pieces that
can be mixed and matched, giving you six outfits out of four pieces.

Next ...Tips 51-60

To your success!

10 November 2015

31- 40 of 101 Money Saving Tips Series



Hope you benefitted from some of the first 30..

31. Incentives – Reward Plan

To help you and your family spend more wisely, set up a system where rewards
are given when the rules set forth are followed. For example, if a family
decision was made to start making lunch and brown bagging it to work and


school instead of paying each day, the incentive might be that if this is followed
strictly for one month, the entire family can spend a Saturday at the Zoo or
favorite theme park.

32. Dollar Stores

Many years ago, dollar stores offered only off brand products or poorly made
merchandise. However, that has completely changed. Now you can walk into a
dollar store and find the same name brand laundry soap, cleaning supplies,
clothing, school supplies, everything for a fraction of the cost. Where a store
name brand bottle of laundry detergent might cost $6.50 at a grocery store,
you can find the identical product and size at the dollar store for $2.50. Check
out your local dollar store and enjoy the mountains of savings.

33. Don’t Give up the Good Stuff

A misconception is that while trying to save money you have to deal with subpar
merchandise, which is untrue. If you love fresh breads and pastries, visit a
bakery thrift store. For your fresh fruits and vegetables, visit your local
farmer’s market. Try eBay or other auction sites to buy top quality
merchandise for a huge discount. Watch for neighborhood garage sales or
estate sales and auctions to find items you need. Just because you are looking
for bargains as a way of saving money does not mean you have to skimp on
quality.

34. Utilities

Set up some rules in your home such as turning lights off when leaving the
room, having only a parent adjust the air or heat, leaving the doors or windows
open when letting either cold or hot air into the house. Utilities are expensive
and a great money saver is to monitor how they are used in your home.
Another great idea is the investment of buying an energy-efficient hot water
heater. If you cannot afford one, lower the setting so you are not heating
water so hot. The hotter the setting, the more energy used.

35. Check the Garbage

One woman had her teenage daughter clean her room. The daughter proudly
did just that, filling two huge trash bags of things she no longer wanted. Out of
curiosity, the mother peeked into one of the bags to see what was being thrown
away. In shock, she found a new tube of suntan lotion, two perfectly good
sweaters, makeup, lotion, a picture frame, hair curlers, all good things. The
daughter did not realize that just because the items were of no interest to her,
they might be to someone else. After talking to her daughter, the mom turned
around and listed the items on eBay, making a $35 profit on her daughter’s
“junk.”

36. Written Plan

When a person goes into business, they create a Business Plan, which becomes
the blueprint of their business. The same should apply if you are trying to save
money. Create a master plan that the entire family can get involved with and
learn their role. When you start to spend too much, go back and look at your
plan to see where you are messing up and how you can fix it.

37. Attitude

Good money management is an acquired skill. As you go forward with the
process of saving money, you need to have a good, positive attitude, which is
often what will keep you and your family heading in the right direction. If you
think you cannot save, then you probably will not. Be determined and stay
positive about saving.

38. Unsecured Creditors

Make a list of all your unsecured debts along with creditor contact information
and payoff amount so you can have an accurate record of how much you owe.
Choose one creditor, possibly a credit card, and focus on paying off that bill.
Once you have achieved that goal, choose another. Start with the debt that
has the highest interest rate since it is the one costing you the most money.


39. Off-Season

The next time you plan a vacation, consider off-season. Generally, the prices
for airfare, hotel, and cars are substantially lower than traveling during peak
time. If you look at all your options, you will find that in many cases, you can
come close to the date you would like to travel. As an example, flying to
Hawaii through June 8 is considered off-season while June 9 is peak. One day
makes a huge difference in price.

40. Buy versus Rent or Lease

When looking at homes or automobiles check the rent and lease options.
Depending on your particular situation, renting or leasing may be a better
financial decision. Weigh all your options and see which choice makes the best
sense from a financial standpoint.

Stay tuned for 41-50 ...cheers

07 November 2015

Physiotherapy Help Guide

What is Physiotherapy?

 

Physiotherapy is a therapeutic health profession concerned with enhancing mobility and the quality of life of a person who may have been affected physically in one way or another.

Physiotherapy is also referred to as physical therapy, involves evaluating, diagnosing, and treating a range of diseases, disorders, and disabilities using physical means.

Physiotherapists aim to help people gain as much movement and physical independence as possible so that they are able to resume their normal job or lifestyle, where possible.

Benefits of Physiotherapy:

- Physiotherapy can make a difference in an individual's ability to live an active, healthy  lifestyle.

- For many seniors, disabled or chronically ill people, physiotherapy is the key to restoring and maintaining a level of physical function that permits independent living.

- Physiotherapy is one way to successfully push physical limitations to secure the freedom .

- Physiotherapy increases your independence and gives you the freedom in your home, workplace or your favorite leisure activity.

- Regular physiotherapy assessment can play a part in reducing the effects of bleeding into joints, which may lead to permanent damage and the need for surgery.

- Physiotherapy is also used after surgery, with the aim of speeding up recovery by getting a patient mobile as soon as possible.

It also provides a useful baseline by which changes can be detected - often before the patient is aware of a degenerative problem.

Download Now..Its FREE!..at Physiotherapy Help Guide


cheers to your good health!

05 November 2015

Tips 21 - 30 of 101 Money Saving Tips

Tips 21 - 30 of 101 Money Saving Tips

21. Financial Consulting

Many financial companies and even churches offer outstanding classes on how
to manage money. While some of these programs are free, others may have a
nominal fee of around $35 to attend but the money is well spent. Another
great option is consumer-counseling services. This is a great option for people
in over their head with debt. The counselors will work directly with your
creditors to lower your balances, interest rate, and establish workable
payments that you can afford.

22. Break old Habits

Take time to learn the various things that “trigger” your spending. When you
are depressed, lonely, sad, anxious, excited, whatever it may be, do you spend
more? Once you can identify these triggers then you can learn how to control
them. As an example, if you were just laid off from your job, although money
is tight, you may have an overwhelming “need” to spend money. Perhaps you
notice that when you are bored, you head for the shops. Knowing what affects
you will help you to discipline yourself to find other ways of comfort.

23. Avoid Temptations

If you have a particular weakness, stay away from it. If you love to gamble,
stay out of the casinos. If you have a weakness for shoes, drive past your
favorite shoe store. While avoiding temptation is hard, it is also necessary in
order to save money. When you want to give into your temptation, this is the
time to use your “allowance”.

24. The Right Time to Shop

Studies have proven that when shopping while hungry, depressed, tired, and
stressed, you buy more. Before you head to the grocery store, eat something.
If you are upset or feeling a little blue, calm yourself down or wait until you feel
better before you head out to shop. As funny as it may sound, having a clear
mind is important when it comes to shopping and spending money.

25. Make your Own Gifts

If you ask people if they prefer a store bought or handmade gift, the majority
would choose the latter. Handmade gifts are individualized and come from the
heart. When you have a birthday, anniversary, baby shower, wedding, or
Christmas gift to give, make the gift. For Christmas, you could make a
beautiful ornament or door wreath, for a baby shower you could purchase an
inexpensive bib pattern and make special bibs, or for a wedding, you could
create a wonderful album of photos showing the couples dating life.

Other great options include making homemade hot chocolate, soaps, candles, or
lotions and placing them in inexpensive glass containers or baskets purchased
at a thrift shop. If you use a mason jar, add foam and fabric under the lid for
added color, use a label to write the contents and a message of endearment,
and wrap a nice piece of ribbon around the ridge. The options are endless, so
get creative.

26. Barter System

Gather friends, family, neighbors, and co-workers and set up a bartering
system. Offer babysitting to one family in exchange for them mowing your
lawn or offer to clean someone’s house in exchange for a week of car-pooling
your child to school. You would be amazed at the opportunities and the money
that can be saved using a bartering system.
27. Matinee
Do you love the movies but hate the prices? Switch your nighttime show to the
late afternoon or early evening matinee. The price is about 50% less and when
taking an entire family, that is a nice savings. Pop your own popcorn, put in a
plastic bag, and place in a large purse and make or buy your own candy,
leaving only drinks to buy. Food at the theater is outrageously priced. The
next time that you head to the movies, hit the matinee, stuff those jellybeans
and licorice sticks in your purse, and enjoy the savings. Also, check for movie

28. Comparison Shop

Comparison-shopping can make a big difference in the price you pay. You
might be looking at a barbecue grill at one place for $350.00 and by making
two more stops, find the exact grill or one comparable for $300. In addition,
consider the price of items assembled versus unassembled. For example, you
might find the barbecue grill unassembled for $250. A couple of hours of “fun”
assembling the grill is certainly worth a $100 saving.

29. Stop Competing with the Jones’

You do not have to compete with anyone. Be proud of what you have and who
you are. If you can only afford an inexpensive sofa from a thrift store, find a
nice throw, make a few pillows, and be proud and thankful. Competitiveness is
a part of nature and to a degree, healthy. However, when competition creates
a buying war to see who can have the “best” when they have no business
buying at all, then it becomes damaging. Stick to what you can afford
regardless of what anyone else has or pressure you might be feeling.

30. Sales Clerk Compliments

Sales clerks are often paid on commission. Therefore, when you walk into a
store and try on an expensive suit, you can be guaranteed you will hear several
times over how wonderful you look, how great that suit fits you, etc. Because
this is how the clerks make their money, they will say whatever it takes to
make the sale. You probably do look good but do not allow yourself to be
pressured into buying something beyond your means. Know what you want,
the price range you can work with, and stick with your own rules, not theirs.

To your financial success,
Bob

Coming next week Tips 31- 40....stay tuned!

03 November 2015

Upper & Lower Back Pain Relief



Have you had back pain recently?

 
Back pain can make it difficult to sit down or up, or get sleep well. Whether you have upper back pain, lower back pain or back and neck pain, dealing with it can make the day seem to drag on for ages.

If you suffer from back pain, you’re not alone: back pain accounts for a large %of all missed workdays.
But the fact that something is common doesn’t mean it’s normal – pain is a signal that the body has reached its limit or has developed a problem, and just like traffic signals, this signal should be obeyed!

The causes of back pain are varied, but stress often plays a part. Our bodies are bombarded with stress every day, whether chemical stress in the form of ingested or inhaled chemicals and toxins, emotional , mental stress in the form of worry, fear, anger and other thoughts or emotions, or physical stress in the form of overtaxing of certain muscle groups.
A typical day at work includes plenty of all three types of stress: you may sit at your desk, hunched over your keyboard in an unhealthy posture for hours, anxious about meeting a deadline and skipping a healthy lunch in favor of a quick snack of fast food/ junk food.
All of these can take their toll on the body, and soon you find you have pain in your back and possibly elsewhere.

Finding ways to reduce or eliminate stress can go a long way to preventing back pain and problems. But in the meantime, learn about a safe, natural alternative to help address your back pain at its source.

Discover a natural solution to back pain relief.

Get back pain relief program now!

** Good news! Back Pain 2 available now at Back Pain Relief

01 November 2015

101 WAYS to Build a Long Lasting Relationship





“We come to love not by finding a perfect person, but by learning to see an imperfect person perfectly.” -~Sam Keen

A careful study of relationships today among youths shows that relationships hardly strive, but crashes before leaving the ground. The most responsible factor here is that some basic culture, ethics of relationships are not followed.

A healthy relationship can be one of the best ingredient to your life in your life.
Good relationships improve your life in all aspects, strengthening your health, your mind and your connections with others as well.

On the same vein, it could be one of the greatest drains if the relationship is not working.
We need to see relationships as investment; the more we add to it the more strong and productive it will be for us.

Love and relationships take work, commitment, and a willingness to adapt.
Everyone’s relationship is unique, and people come together for many different reasons.
But there are some things that good relationships have in common.

Knowing the basic principles of healthy relationships helps keep them meaningful, fulfilling and exciting!

What makes a long lasting loving relationship?

Download Now to find out! It's FREE Click Image Below Now! or

101 Ways to Build Long Lasting Relationship
Build Lasting Relationship


To your loving success:)

Secrets of Successful, Long-Lasting Relationships