3 Practical Tips to Save for Your Dream House

Are you planning to buy a house? Then start saving and spend your hard-earned money wisely! With enough patience, hard work, and control in spending, you will be able to purchase your dream house. The path you will go through won’t be smooth and easy, but definitely worth it.

Everyone knows that a house is one of the greatest investments that an individual can buy in this lifetime. Regardless of how expensive it may be, you deserve to have it. This is the main reason why you have to save up as well as budget your income properly.

In fact, there are various ways on how you can purchase a house nowadays. Some banks offer mortgage lending, which you can apply to. Just be sure that you are able to repay your mortgage as well as home loan interest rates on time, so things will flow smoothly. More so, you have to ensure the lender that you can afford to pay your loan by presenting all the documents needed when applying for one.

Listed below are some viable tips on how you can save for your future house:

Cut down costs

One of the most effective ways to save big is to trim down your expenses. Since saving up won’t be that easy, you will actually need to sacrifice some things. You have to give up a few luxuries that you don’t need. It is all about prioritizing things and knowing the important ones. After all, the fruits of all your sacrifices will be paid off at the right time.

Hustle harder

By working harder, you can earn more. If you still have time to work part-time, then do it. Take every chance that comes your way to get extra income in order to buy your own house in the future. All you have to do is find a side hustle or some projects that last for a few months. Make it a point to still perform your main job properly and finish all your tasks before your part-time job. Also, never take for granted your health just for additional money. Work harder, but never risk your health.

Create a monthly budget plan

To produce money for the down payment or construction of your dream house, you have to create a monthly budget plan. Bear in mind that you should spend less than what you are currently earning. You have to stick to your financial goals all the time and keep them intact. Moreover, when making a budget, be realistic and honest about your spending habits. It will be tough at first, but keeping track of your expenses will help you control your spending.

Purchasing a house through your own money is very fulfilling and satisfying. You will be proud of yourself for working so hard to achieve your own house. And to help you out in obtaining this goal, you can take into consideration these useful tips mentioned above. These will assist you in making your dream house come into reality.

October 23, 2017 at 10:30 AM Leave a comment

Why It’s Always the Best Time to Invest in Mutual Funds

We’ve heard time and again that financial planning is the key to a secure future.

The hard part is choosing the right investment among the thousands of options available in the market. One such investment which an investor of any age can start with is mutual fund investment. Read on to know how you can make mutual funds work for you.

Everyone must take it upon his or herself to jot down his goals and back it up with a good financial plan. Regardless of age, a young adult (around 25 to 36 years), middle-age (between 35 and 55) or retired (55 and beyond). It’s vital to have a good financial portfolio which combines all the asset classes that a person can invest in.

Mutual funds are fairly advantageous over others because the pooled investment avenue provides an individual with the benefit of investing in equities, liquid funds, and debt. You cannot randomly invest in mutual funds. Based on the financial goals and investment aims of the investor, a specific type of fund that suits him must be chosen.

If you don’t like risks, you may prefer equity schemes to debt while you start with a short-term equity schemes. If you have growth and capital appreciation, your investment objective will look at equity schemes as compared to others.

Age has a crucial role in getting the right balance between the many available mutual fund schemes. A simple and sweet thumb rule to be followed by every in selecting the right mix of equity and debt is to calculate it on the base of the age of the investor.

To calculate the debt to equity allocation, the age of the investor should be subtracted from 100. For instance, if the investor is 30 years old, then subtract 30 from 100, giving 70 as the remainder. This exemplifies that the portfolio of the 30-year-old investor should contain 30% debt and fixed instruments and 70% of equities and equity-related products.

One widely used in selecting the right fund and taking the basis for a model portfolio is Jacob’s Four-Step Programme, which includes the following:

Develop long-term goals. After deciding on a goal, separating your long-term and short-term goals should be your next agenda. With long-term goals in place, planning the finances to make them happen becomes easier. You must be realistic about the returns an asset class can offer as the returns may differ from time to time based on the market scenario and other factors that affect it.

Check the asset allocation. Be it equities, money making instruments, or debt, the right mix or allocation can be done based on the income you (the investor) have as well as your risk-taking capacity. Your goals will help in deciding the appropriate investment allocation.

Determine sector distribution. You need to plan the right amount of investments, something that will differ based on your unique circumstances. Sector distribution must be done based on the long-term goals you have. If you’re looking at quick liquidity, then money market schemes must be assigned more than equity or debt funds.

Choose specific fund managers and schemes. After finalizing your long-term goals, plus assets allocated and sector distribution is accomplished, the next step is to decide your mutual fund investment company and their specific product. You have an array of choices, so research well before making any decision.

It is never too late to begin investing in mutual funds. But when an investor actually gets to the act of investing he must bear in mind the implications that different schemes have on his financial plan in different stages of his life. If an individual is not able to make a financial plan by himself, it is advisable to take help of a financial planner as it will make the entire investment process a lot simpler and quicker.

October 18, 2017 at 1:33 PM Leave a comment

Tips to Lower Your Healthcare Costs

The rising cost of healthcare is a significant burden on many households. In 2015, healthcare spending reached $3.2 trillion dollars and is projected to continue to grow at a rate of 5.6% a year through 2025.

Regardless of someone’s personal financial situation, expensive medical treatments and procedures often make it difficult to afford necessary medical care while meeting other financial obligations. This is why it’s always a good idea to look for the most cost-effective ways to receive medical care.

Join the Club to Sign Up for Savings

Getting a prescription filled can be quite costly, even if you have insurance that offers prescription drug coverage. There are a few ways to lower your cost for this particular type of medical care. First, if your doctor writes a prescription for an expensive medication, always ask if there is a lower cost, generic alternative, or another cheaper medication that works as well that you can substitute for the more expensive drug.

Another option that can save you money on your prescriptions is to use a search tool to find the closest drugstore. A simple search like “pharmacy near me” can save you both time and money by allowing you to quickly find the closest location so you don’t have to drive all over town to find a drugstore that has your medication in stock and also accepts your insurance.

A third option is to join a prescription savings club that offers members a discount on their prescriptions. A number of schools, associations and other organizations offer members a discount card that can be used to save money on prescriptions. Chances are great that you already belong to one or more groups that offer their members a way to save on prescriptions and other purchases, so it’s worthwhile to check to see if your membership offers such a discount.

Research Your Local Community Resources

Many communities offer free or low-cost clinics to their citizens. Oftentimes, the rate that you will pay is based on a sliding-scale and is adjusted for income. This can be a great way to help you save on your healthcare costs, especially if you have limited resources and no insurance.

Your local social services department, or even your local health department, should be able to help you learn more about where you can find clinics that offer low cost medical and dental care, as well as help you find out more about other resources that can help you save on your healthcare.

Consider Complementary Therapies and Alternative Treatments for Chronic Issues Such as Pain

It is true that treatment options offered by traditional Western medicine can be very expensive. Complimentary therapies such as chiropractic manipulation, acupuncture, osteopathy and naturopathy are all types of alternative medicine that tend to take a more holistic, or “whole body” approach to treating patients.

The definition of alternative medicine is wide-ranging and treatments vary widely. For example, some alternative treatments involve manipulating the spine or other joints, such as in chiropractic and osteopathic medicine, while others use natural methods, such as taking over-the-counter compounds made from herbs and minerals, to help the body heal and restore its normal function.

Some alternative treatments can be just as expensive as treatments offered by traditional Western medicine. However, many of these complementary therapies have been shown to offer rapid relief from pain and other symptoms faster more effectively than some traditional treatments, such as surgery. A shorter recovery time can help patients return to their daily activities and work more quickly and thus save the patient money in the long run.

October 12, 2017 at 8:34 AM Leave a comment

Book Review: Alycat and the Monday Blues

Book Description:

Alycat wakes up with the dreaded Monday Blues and is certain that nothing will go right. But when a mishap sends her astray, she discovers that helping a friend will help her discover her own hidden talent—curing her Monday Blues.

My Thoughts:

This is a very sweet story featuring a cat who isn’t exactly sure how to participate in the talent show. When she unexpectedly comes across a friend playing the saxophone she finds a hidden talent. Both the ability to write lyrics and the ability to sing along with her friend’s merry tune.

My two and five year old children loved listening to this story. I think it helps that I sang Alycat’s song in a very funny voice. My children love to sing so the very next morning I came downstairs and found them singing about tough days and missing socks. We sang Alycat’s song while we got ready for school and in the car on the way to class.

My oldest son loved how the cat is initially worried about finding a talent, but ultimately goes on to win the whole show. As a parent I liked that the cats had to practice in order to win. It’s always nice to show characters in children’s books that work hard to achieve their goals.

The images in this book are quite colorful. They captured my children’s attention. My two year old stared at each page quite intently and pointed out various visual images along the way.

This is a particularly good story for children who love to sing.

Meet the Author:

Alysson Foti Bourque is the author of the Rhyme or ReasonTravel series, and the multi-award winning Alycat series. Alysson received a Bachelor of Arts degree in Elementary Education from the University of Louisiana at Lafayette and a law degree from Southern University Law Center in Baton Rouge. She believes that there is an Alycat in all of us, encouraging our imaginations to guide us through new opportunities and adventures. ​

Connect with the author:  Website ~ Twitter ~ Facebook

October 6, 2017 at 8:00 AM Leave a comment

How to Write a Killer Resume That Gets You Hired

Take a few seconds, think about the reasons for writing your compendium, spare some time for contemplation. Determine the plan, the heading, feel that perfect job for you, try to walk in readers’ of this CV shoes and what word are going to say during the interview. The application itself is a kind of a small essay about selling yourself and putting your skills and knowledge in the finest sense. No worries, you don’t have a need viking for custom writing task, you are able to deal with it in 5 minutes using my tips and tricks for building a killer vitae. I surely infer that you already have a work in mind, that’s why you are here.

Let’s face the truth, for every vacant office out there in the world, there are dozens of efficient people applying and only a few really knock-dead comprisals. So, what is the secret of making yours stands out above others?

Purpose is all we need

Be sure to include aspiration; it expresses exactly what is your desire. As soon as you’ve established the purpose, you are free to set up the content of your CV. Stick to it and focused on your target from the employer’s point of view. It’s decisive to have this direction nailed down to produce a distinct script. 

Begin with the contact details

It’s obvious that the application should include the name and the contact information of the candidate. This is going to be the first message which recruiters will notice. The email address should be efficient and ongoing. For the illustration, e-message bunny123@bing.com won’t be acceptable. Remember to keep it simple and use your first and last name.

Recent and relevant work experience

This section requires 85% of the concentration as you depict here the past/current employment, and your role there. Prove that you are a competent staff member not only by getting things done but also by delivering a significant outcome.

Avoid saying fake things! Always pinpoint to your potential new employer on the aftereffects of what you did to establish the value of your efforts.

Keep the chronological list

There are thousands of methods to construct the data on your epitome, but the most time-honored way is chronological one. The most recent involvement is listed primarily. The same situation we have with the section ‘Education,’ where you need to specify your degree and the name of the academy with only 3 items maximum (like CFA qualification, university degree and college results).

Mind your achievements

Next step is to take a paper and a pen and write down everything you have achieved in your life. This agenda should be a little meticulous and must comprise even small triumphs. Believe me, you’ll feel not only a real gratification from the seeing the outcome, and also will have a variety of options to pick for a good CV. 

At the mercy of words

Use keywords in your review. Scan the written form and analyze what words are repeated, and verify whether you’ve included them in the bullet points.

Avoid empty words, like ‘detail-oriented,’ ‘team player,’ and ‘hard worker.’ I bet there are other expressions to describe yourself in a more superior way.

Spelling quality

Formatting, logography, syntax, and design are essential for every professional resume. It characterizes you as an employee who is aware of all details. The search hiring agencies throw away recaps with mistakes in the script.

Length limitation

Limit your quick recap to one page if it is possible. Cut out work background which adds no benefits to your memo. It takes head hunters seven seconds to determine the quality of the vitae. Two approaches are probable, either they’ll keep reading or won’t even get to the end of the first page (in case you have two of them).

Due to the proverb: ‘Brevity is the soul of wit,’ everything has to be organized in order of superiority and congruity.

The help of the online resume builder
If you are afraid of doing something wrong with your application, then you can find numerous of free helpers in the network. They will save you the time, blood, sweat, and tears during the process of creating the memo. The leading web apps from them are Uptowork, Resumonk, SlashCV, and EnhanCV. Choose the most suitable online resume maker for you and start composing.

September 29, 2017 at 2:17 PM 1 comment

4 Reasons You Should Use a VPN in 2018

According to 2017 Identity Fraud Study, as much as $16 billion was stolen from over 15 million US consumers in 2016. In 2015, some $15.3 billion was stolen from 13.1 million consumers. Online thieves stole $1 billion more in 2016 than 2015.

The report also revealed that identity thieves have stolen $107 billion from millions of people in last 6 years.

Things would become worse in 2017, 2018, and beyond unless internet users start taking their online security seriously.

Statistics like these generated a new buzzword – VPN. It is no more a buzzword instead a need. If you aren’t using a VPN, you could be the next victim.

A Virtual Private Network (VPN) is private network that enables you to send and receive data securely. A VPN does two things:

  1. It encrypts all the data you send and receive from your device thus making you safe.
  2. It will change your IP address as if you’re coming from a different location.

Here are 4 reasons why this is the right time to encrypt your data and manipulate your IP address via a VPN connection.

  1. Browse securely an safely

Not every website that you visit is safe. While most of the websites use HTTPS which means your connection with the website is fully secured and encrypted but majority of the sites aren’t secured.

For instance, if you’re reading an article on your favorite blog, your connection might not be secured. Anyone can access your machine and/or your information.

In fact, the moment you connect with the internet without a VPN, you’re exposed to millions of threats. Things become worse when you enter your personal information or financial information on a website over an unsecured connection.

A VPN lets you browse the internet without any fear of getting exposed to malware and hackers. You can access any website, social network, your email, or pretty much anything without any fear.

  1. Access restricted content

If you happen to be a frequent flier, I’m sure you know how it feels when you cannot access a specific website when you’re not in your home country. Not all the content is freely available throughout the world. For instance, Google Docs, Gmail, and several other Google products are blocked in China.

Similarly, brands use different versions of their website, content, and products in different locations. This is where a VPN service like CyberGhost discount can be of great help.

Since it hides and manipulates your IP address so you can access restricted content easily irrespective of your current location.

For instance, if you’re in China and need to access Google Docs, you can easily do so via a VPN.

  1. Use public Wi-Fi freely

One of the biggest threats to your security are public Wi-Fi such as those in your hotel, airports, universities, and other public areas.

Since anyone can use a free public Wi-Fi, therefore, using one without a VPN is a big mistake.

If you’ve a VPN, you can use any public Wi-Fi without any fear.

  1. Communicate privately with friends and peers

The use of messaging apps, social networks, and video calls has increased enormously in recent times. We are always connected with our friends, family, and peers whether we are at work, home, or traveling.

Guess what, anyone can access your communication easily because it is not encrypted.

A VPN helps you keep your personal information that you share with your friends and family over the internet absolutely safe.

Conclusion

Don’t take the risk of exposing yourself to thieves, hackers, and scammers who are always looking for new victims. Start using a VPN now.

Don’t take any chances because there isn’t anything more important than your security.

September 17, 2017 at 4:50 PM 1 comment

Video hosting pros rejoice: Vimeo Pro now available at a deep discount!

Hosting video on your small business website? Perhaps you are a photographer or videographer and your business actually IS video. Either way you’re probably taking up much of your precious hosting space with huge video files. There’s actually a better way that thousands have already figured out.

Vimeo has been around for over 10 years and their service has gotten better and better each year. At this point you can share crystal clear HD video at half the cost of competitor services with built in analytics, customized call-to-actions and privacy protection (which stops people from embedding your video on their website or blog). Take advantage and save with a Vimeo discount code

What’s more is that when you embed on your website you can customize all the aspects from the color, available button options and the thumbnail image. You can also add subtitles to your videos and utilize the impressive SEO features that includes built in schema markup for Google’s website crawlers.

While you may have been thinking about video for a while or this could be the first time you’ve heard about it — either way it’s a great way to get started with Vimeo no matter if you are a novice or video pro!

August 24, 2017 at 12:52 AM Leave a comment

4 Practical Ways to Protect Your Vacant Property

Owning real estate is one of the best investments you may ever make. The good news is your property can appreciate in value and may end up being worth more than you originally paid for it. However, if you’re away for any length of time or own a rental beach house that isn’t being occupied, this can be concerning. It’s in your best interest to do some things that will help protect your property when you aren’t there.

Put in a security system

There’s no doubt that having a modern security system can be helpful in increasing your peace of mind when your home is vacant. This can alert the right officials in your area if you have a person entering your property and you aren’t there.

Relying on ADT monitoring is one of the more efficient ways to worry less about a home that sits empty for weeks or even months for that matter. Some of the benefits of selecting this system are listed below:

1.  Affordable – For only a few dollars a week, you can ensure your home is being monitored at all times.

2.  Around the clock monitoring – You never know when a break-in can happen and this provider will watch your home 24/7.

3.  Dispatch – Getting emergency help to your home when you need it is important and having this type of security system will dispatch the right people to your property fast.

Maintain the property

It’s important to do the usual things any homeowner would do that is living full-time on the property even when you aren’t there. You should work with a landscaping company to ensure your lawn is mowed at least every couple weeks. Failing to do this could result in others quickly knowing the home is vacant.  HomeAdvisor states the average cost to mow and maintain your lawn is $150.

Other things you can do include leaving lights on that can be scheduled to go on and off when necessary. This can help it look like there are people residing in the home daily.

Keep it secure

Taking time to install new deadbolts on your doors can be one of the ideal ways for you to prevent a break-in from occurring if you aren’t there. Working to ensure your home is secure can be one of the most efficient ways for you to avoid some issues that may occur if your property isn’t being occupied.

Other things you will want to do includes checking to make sure the windows are locked. This can make it much more challenging to get inside of your home and is an efficient way for you to prevent thief.

Join a community support group

It’s a very good idea to work with your neighbors and create a community watch group. This can allow others to help monitor your property and alert you if any suspicious activity occurs.

This can be especially helpful if your home is empty for a long time and you’re concerned about it. Be sure to give your contact information to your neighbors in order to get any alerts about activity on your property when you’re gone.

It’s essential to do all you can for your peace of mind if you have a piece of real estate that isn’t be lived in for the short or long term. There are varying times in life when this may occur, and the last thing you want to do is endure damage or thief to your home.  By being proactive and working to avoid this, you can feel secure about your property even when you aren’t there!

August 23, 2017 at 9:16 AM Leave a comment

Saving Money with Online Coupon Codes

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Thе Advаntаgеѕ оf Cоuроn Code tо Shорреrѕ

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Where to Gеt a Rерutаblе Cоuроn Code

A ѕmаrt ѕhорреr аlwауѕ trіеѕ tо find thе bеѕt dеаl and available discounts that are being offered by rеtаіlеrѕ. It’s a gооd way tо ѕаvе аnd hеlр mіnіmіzе your еxреnѕеѕ оnlіnе. We’ve been using coupongrind.com as their interface is easy to use and they don’t require a fee or your information to get the coupons you’re looking for.

July 30, 2017 at 9:42 AM 1 comment

Cost-Effective Approaches to Entertainment and Other Forms of Enjoyment

If your budget is tight and you really don’t want to spend excessively on an evening out, or even your vacation, there are many things you can still do, with little or no out-of-pocket expense.

Community calendar

If you’re like many people, you are trying to budget and spend each dollar wisely. The good news is that you can still enjoy doing things while you get your finances under control. You can go online to your town or city and pull up their calendar of upcoming events. Most of them are free and even the ones that cost money to attend are generally just a few dollars. You can plan a day trip to your community pool or the local beach, visit the library or museums, pack up a picnic lunch and grab a radio, a blanket and sunscreen, and enjoy a relaxing day at a park. Many communities also hold concerts at parks a few times throughout the year.

Date night or family night at home

Instead of spending a lot of money for an expensive dinner out for a date night with your spouse or a family outing at the local restaurant, opt to stay home. You can plan a dinner, include all your little helpers and do it together. After you enjoy your meal, you can play some board games or host a movie night from the comfort of your home. Many cable companies like DIRECTV have a wide range of movies and events that you can enjoy commercial free. You can select from one of the many DIRECTV packages that suit your personal needs. Many also have music channels that you can use as a background for your romantic dinner for two.

Stay vacations

With tight pockets and the need for relaxation, many families are now opting to have Stay Vacations. This gives you a way to enjoy your time off without racking up a lot of expenses. You can do small things around town like going to the movies, a water or amusement park, bowling and other local attractions without the large hotel and travel expense. Plus, as an added bonus you don’t have to pack. If you want to make this experience seem like a vacation, you should clean your home ahead of time and plan something to do for each day, just as you would if you weren’t at home. These types of vacations are becoming popular because they cost a lot less and you don’t lose a day to packing and possible flight delays.

Investing in a motor home

If you would rather escape the confines of your home and experience new things in other states, purchasing a motor home may be a wise investment. It eliminates the need for a hotel, which can be one of the biggest traveling expenses, and it also lets you remain in control. With a motor home, you can change your plans as they come and decide to spend an extra day in one place or opt to change the plans altogether and drive to a new destination. It gives you the freedom to enjoy new adventures on your time table. You can pack up all your supplies and cook most of your meals to save even more money on your trip.

There are many things to do in your own town or city that costs little or no money. Instead of spending money that you don’t have, enjoy life’s simple pleasures. Take a walk on the beach or a nature walk in the park. Enjoy a sleigh ride or a carriage ride through the city. Visit the museums and then head for ice cream and take in the school play productions that cost a few dollars and help raise funds for the school. Life’s full of wonderful things that are fun, educational and mostly free. Learn to enjoy the simple things that bring your family closer together and create fond memories.

July 26, 2017 at 9:39 AM 1 comment

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