Fake or Real?

Is it really true? Is it really not true? Is everything fake? Is everything real? Red pill or blue? Plastic or paper? Left or right? In or out? Yes or no? I need some water.

Does Stress make us fat?

We all know what makes us fat: eating more in calories than we burn off in energy. But though this is true, it doesn’t answer the more interesting question – why do we overeat in the first place?

Why do I sometimes feel compelled to eat that bit of cake or bar of chocolate although I know I am going to regret it a few minutes later?

Is it just greed – or is something else going on?

Although self-control is important, there is mounting evidence that stress plays a significant part in weight gain.

Chronic stress disrupts our sleep and our blood sugar levels. This leads to increased hunger and comfort eating.

And that then leads to further disrupted sleep, even higher levels of stress and even more disrupted blood sugars. In time, this can lead not only to unhealthy levels of body fat, but also to type-2 diabetes.

Our glucose levels rise when we eat and, in a sound individual such as myself, they rapidly come back to typical. On the day when I was in effect purposely focused on, my glucose levels took three hours to come back to typical – somewhere in the range of six times longer than on a past, calm day.

The reason this happens is that when you are stressed on, your body goes into “battle or flight” mode.

Your body thinks it is under assault and discharges glucose into your blood to give vitality to your muscles.

Breathe stress away!!

Secret Eating Health Rule

I live by this and now you can too. This rule could easily make me millions. But for the lucky few who reads my blogs. This is for you.

I’m a dying breed of incredible healthy people left in this world. I don’t get sick and don’t take any prescription drugs or OTC drugs, (over the counter). I don’t take flu shots and never gotten the flu. I don’t drink caffeinated sodas (quit 7 years ago) and moderately smoke cigarettes and occasionally drink alcohol. I’m pushing 40 and always get carded to buy the bad habit items mention above. Working on a few techniques now to finally quit smoking.

To the rule: G.O.M.B.S.
G = Greens\Grapes
O = Onions\Omega 3’s
M = Mushrooms\Minimal Meat
B = Beans\Berries
S = Spices\Seeds

That’s it! Stick to this rule of eating and you will become incredibly healthy. There you have it my secret at no charge.

Live Long & Prosper,
Thainado

http://www.thainado.tk

Sugar baby?

What Sugar Actually Does to Your Brain and Body – Lifehacker

CBS DIDN'T STOP HIM-ANDY ROONEY

CBS DIDN’T STOP HIM- THIS IS GREAT

 

 

Good for him!!!

 

 

Surprised CBS let him get away with this, even though he’s

right!

 

 

 

 

 

Andy

Rooney said on ’60 Minutes’ a few weeks back:

 

 

 

 

‘I don’t think being a minority

makes you a victim of anything except numbers. The

only things I can think of that are truly

discriminatory are things like the United Negro

College Fund, Jet Magazine, Black Entertainment

Television, and Miss Black America.. Try to have

things like the United Caucasian College Fund, Cloud

Magazine, White Entertainment Television, or Miss

White America ; and see what happens…Jesse Jackson

will be knocking down your door.

 

 

Guns do not make you a killer. I

think killing makes you a killer. You can kill

someone with a baseball bat or a car, but no one is

trying to ban you from driving to the ball game.

 

 

I believe they are called the

Boy Scouts for a reason, which is why there are no

girls allowed. Girls belong in the Girl Scouts! ARE

YOU LISTENING MARTHA BURKE ?

 

 

I think that if you feel homosexuality is wrong, it is

not a phobia, it is an

opinion.

 

 

I have the right ‘NOT’ to be

tolerant of others because they are different,

weird, or tick me off.

 

 

When 70%

of the people who get arrested are black, in cities

where 70% of the population is black, that is not

racial profiling; it is the Law of Probability.

 

 

I believe that if you are

selling me a milkshake, a pack of cigarettes, a

newspaper or a hotel room, you must do it in

English! As a matter of fact, if you want to

be an American citizen, you should have to speak

English!

 

 

My father and

grandfather didn’t die in vain so you can leave the

countries you were born in to come over and

disrespect ours..

 

 

I think the

police should have every right to shoot you if you

threaten them after they tell you to stop. If you

can’t understand the word ‘freeze’ or ‘stop’ in

English, see the above lines..

 

 

I don’t think just because you were not born in this

country, you are qualified for any special loan

programs, government sponsored bank loans or tax

breaks, etc.., so you can open a hotel, coffee shop,

trinket store, or any other business.

 

 

We did not go to the aid of

certain foreign countries and risk our lives in wars

to defend their freedoms, so that decades later they

could come over here and tell us our constitution is

a living document and open to their

interpretations.

 

 

I don’t hate

the rich; I don’t pity the poor.

 

 

I know pro wrestling is fake, but so are movies and

television. That doesn’t stop you from watching

them.

 

 

I think Bill Gates has

every right to keep every penny he made and continue

to make more. If it ticks you off, go and

invent the next operating system that’s better, and

put your name on the building.

 

 

It doesn’t take a whole village

to raise a child right, but it does take a parent to

stand up to the kid

and say ‘NO!’ when necessary.

 

 

I think tattoos and piercings are fine if you want

them, but please don’t pretend they are a political

statement. And, please, stay home until that new lip

ring heals. I don’t want to look at your ugly

infected mouth as you serve me French fries!

 

 

I am sick of ‘Political

Correctness.’ I know a lot of black people, and not

a single one of them was born in Africa,

so how can they be ‘African-Americans’?

Besides, Africa

is a continent. I don’t go around saying I am a

European-American because my great, great, great,

great, great, great grandfather was

from

Europe .

I am proud to be from America

and nowhere else.

 

 

And if you

don’t like my point of view, tough…

 

 

I

PLEDGE ALLEGIANCE

TO THE FLAG,

OF THE UNITED

STATES

OF AMERICA

, AND TO THE REPUBLIC,

FOR WHICH IT STANDS, ONE

NATION

UNDER

GOD,

INDIVISIBLE, WITH LIBERTY

AND JUSTICE

FOR ALL!

 

 

I was asked to send this on if I

agree or delete if I don’t. It is said that 86% of

Americans believe in God.. Therefore I have a very

hard time understanding why there is such a problem

in having ‘In God We Trust’ on our money and having

‘God’ in the Pledge of Allegiance. Why don’t we just

tell the 14% to BE QUIET!!!

Found Money: How To Generate Quick Cash In An Emergency. Pt. 8/8

Found Money:
How To Generate Quick Cash
In An Emergency. Pt. 8/8

Table of Contents:

48 Bring Both Calm AND Savings into your Life
48 Slash your Electric Bill in 6 Easy Steps
50 Good Ways to Find FREE Money
53 Can you Survive/EMERGENCY PREPAREDNESS

48
It is now time to learn what is enough. Being calm and saving is really about
transforming your life in a conscious and deliberate manner. It is determining
what is enough in your life, so that you can do more with even less.
Finally, seek out some good support—whether you’re trying to save money
or simplify your life.
Don’t go this alone. With Americans $7 trillion deep in debt, you’re certainly
not alone in your desire to save money. Find a friend who can help you to get
started and then get busy. You will be glad that you did.
Slash your electric bill in 6 easy steps
Spending lots to save pennies makes very little sense, but if you’re already in
the market for a new appliance, consider the Web as your first line of
defense in energy-savings.
Perhaps you weren’t so Eco-conscious until that glaring electric bill landed in
your mailbox. It’s time to become mindful of the green in your wallet and
save energy at the same time.
Start by simply unplugging unused appliances, lowering the temperature on
your electric water heater to 120 degrees F, and washing only full loads of
dishes and air drying them.
At the same time take a look at the free online calculators to get customized
tips for improving your home’s energy efficiency at Home Energy Saver, a
Website sponsored by the U.S. Environmental Protection Agency (EPA) and
the Department of Energy (DOE).
Spending hundreds to save pennies generally doesn’t make sense, but if
you’re already in the market for a new appliance, or even light bulbs,
consider the Web your first energy-savings tool.
Think Climate Control.
A typical household uses the bulk of its energy for heating and cooling—up to
44% of your utility bill, according to the DOE’s Energy Efficiency and
Renewable Energy Network (EREN).
Install a programmable thermostat. This can reduce energy wasted while
heating or cooling a house when no one is home or everyone’s asleep.
According to the Home Energy Saver site, Energy Star programmable
thermostats can save as much as 20% to 30% on your heating or cooling
costs by allowing for multiple daily settings and automatically adjusting when
the outside temperature changes. Participating manufacturers include
Honeywell, Hunter Fan and Smart Systems International. Unfortunately, it’s
49
not easy to search for programmable thermostats by Energy Star status.
Instead, keep an eye out for those with features typical of the Energy Star
thermostats: temperature recovery systems, two programs and four
temperature settings.
Think Ceiling fans.
When you move the air, you tend to feel cooler. This allows for higher
summertime thermostat settings. According to EREN, the effect is equivalent
to lowering the air temperature by about 4° F (2° C), and using less energy
than air conditioners in doing so.
Think Lighting, Cooking and other Appliances.
The next-biggest household energy use after climate control is for lighting,
cooking and other appliances. Not counting the fridge, these make up about
33% of a typical utility bill.
Think Compact Fluorescent Lamps (CFL’s)
CFL’s will use up to 75% less energy than standard incandescent bulbs and
will last up to 10 times longer, according to Home Energy Saver. This is very
good, because they’re also more expensive to start with.
Check your local utility for ideas. Look for a free “Conservation Kit”,
containing among other things, two CFL’s. This, of course, is a terrific deal!
Think Energy-efficient Appliances.
Use the Energy Star site as a starting point to search for Maytag washing
machines. Look for the Atlantis MAV9600 high-efficiency model for $689 at
Best Maytag.
Among household appliances, the refrigerator is likely your biggest energy
consumer, especially if it’s more than 15 years old. It can account for up to
9% of your energy costs alone. Again, look to the Energy Star site for a list
of energy-efficient models if you’re looking to replace yours.
Hot Water Heating
Heating water is the third-biggest home-energy cost and typically accounts
for 14%-20% of your total energy bill.
Think Hot Water Jackets.
Hot water jackets usually sell for $10 to $20, and shipping charges for buying
them online can easily increase their cost by 50% or more. Use the Web to
find offline deals in this case.
Think Aerating, Low-flow Faucets and Shower heads
Both Niagara and AM Conservation models popped up on a variety of
environmental sites, including EnergyGuide, which also had the best price for
the four-way adjustable Niagara shower head at $6.75. The nice thing about
50
ordering from EnergyGuide is that it automatically searches for any rebates
based on the ZIP code you enter.
When you’re considering buying a new home, you can plan for energy
savings from the ground up with an energy-efficient homebuilding project.
Check the DOE’s Building America and the EPA sites to find projects near
you.
GOOD WAYS TO FIND FREE MONEY!
If you are tired of making lifestyle changes to accommodate your savings
plans then read on. These ideas lead you to prime places to look for money
that’s already rightfully yours.
Some people see little point in changing their ways to save a quick $5 or
$10. These same people find it difficult to believe such small amounts can
actually make a significant difference to their bottom line. They’d much
rather indulge in a little daily luxury, like enjoying a cup of espresso each
day, then tighten their belts for what they see as measly savings.
For all the spendthrifts at heart, here are some concrete ways to save on
things you are already paying for. No need to change your lifestyle or habits
in the least. Think of it as money that you are already overpaying to others.
Step up to the plate and claim your free money!
Talking on your cell-phone.
You thought you were going to need 2,000 minutes a month, only to find 300
or even 200 would do just as well.
If you’re coming to the end of your contract, or if your service provider is
willing to waive the early termination fee, ask to have your deal changed as
soon as possible.
Think about this: Verizon’s America’s Choice 3,200-minute plan runs about
$200 per month; you’ll spend just $40 for its 400-minute America’s Choice
plan. This is provided you don’t start going over on your minutes and
incurring pricey overage charges, that’s $160 in savings each month, or
$1,920 a year. Even changing from the America’s Choice 1,100-minute plan
at $80, would still cut your telephone bill in half for an added $480 in your
pocket.
Local and long-distance calling: If you’re not using all of your cell-phone
minutes each month on a plan that doesn’t allow you to just roll them over,
you can at least offset your landline costs with those otherwise-wasted
51
minutes. Are you already doing this? Try bundling your local and long-distance
plans if you’re regularly spending more than $50 per month. Many
bundled plans start at just $50 before taxes and fees and allow you to talk
for as long as you want without the huge bills.
Calculate all of the above carefully, though. If your usage is not steady, you’ll
pay the same rate every month, meaning no breaks for vacations when your
usage normally decreases.
Your checking account: When was the last time you looked at the monthly
fees your bank assesses on your checking account? By switching to a non-interest-
bearing account, you can pay far less money and avoid higher fees.
Bankrate.com’s annual survey of checking accounts found that average
monthly fees are up to $10.86 on interest-bearing accounts, vs. $3.72 for
regular checking accounts. You’ll have to keep $2,258 socked away in that
interest-bearing account to avoid fees versus the $245 minimum for the non-interest
account. So, what are you giving up?
Average yields sat at a paltry 0.27% in the fall of 2003, the time of the
Bankrate report. Meantime, if you can, try to plan your ATM withdrawals. The
average fee you’ll pay for using another bank’s ATM machine is $2.69 —
$1.40 to the ATM’s bank and $1.29 to your own. Eliminating only one of
these withdrawals each week can save you a nice $140 per year.
Your insurance: You can save on your insurance policies in a variety of ways.
Ask your insurance provider outright for discounts: Besides the usual good
student and safety discounts on auto policies, ask for a multi-policy discounts
if you’re insuring more than one vehicle. Raise your deductibles on older cars
or drop collision coverage altogether if your car is worth less than $1,000.
Raising your deductible from $200 to $500 can reduce your premium by as
much as 30%, according to Insure.com.
NEVER overpay to borrow your credit cards. Do you think that 2% or 3%
isn’t worth fighting for on your credit card’s APR? Consider this: If you’re an
average American, you owe $8,940 in household credit card debt, according
to CardWeb.com’s CardData Service. At the average APR of 16.44%, you’ll
pay $1,470 per year just in interest alone.
For every 1% decrease in APR, you will save $89. However, the difference is
far more dramatic over the entire life of your debt. Figuring you can make
monthly payments of 5% of your debt per month, you’ll pay $3,334 in total
interest at the higher rate. However, at an APR of 13.44%, you’ll have paid
$2,551 – that is 23% less.
Also, lots of cards come with added benefits, such as airline miles or, better
yet, even cash back. American Express’ Blue Cash card rewards you with up
to 5% cash back; the GM card awards 5% back toward a GM new car
52
purchase or lease. On the average credit card debt of $8,940, that works out
to $447. Use MSN Money’s Credit Card Analyzer to find other low-rate and
cash-back cards. In addition, you can check CardWeb for a list of the
monthly rewards that credit cards are offering.
Your mortgage. Your biggest savings potential here is to get rid of PMI, or
private mortgage insurance. PMI protects the lender should you default on
your loan. You’re obligated to pay this so long as your equity remains below
20%, but once you cross that magic threshold, you should ask your lender to
drop the fee.
The law actually says your lender must drop the fee once your equity crosses
22%, provided you have a conventional loan originated or refinanced after
July 29, 1999 and you have a good payment history. However, if you have
an older loan, you could be paying this unnecessarily without realizing it.
Depending on the size of your mortgage, this could be adding hundreds of
dollars to your mortgage cost annually. Look into this, today.
Make the most of your current resources.
Begin by using what you have. Paying for Internet access already? E-mail
can be a great way to cut your long-distance telephone costs. It may not be
a substitute for your weekly heart-to-hearts with Dad, but it probably should
substitute for the “when can we get together again?” calls. Why spend
precious money leaving voice mail?
Take the time to get rid of what you don’t use. If you’re not using it, you
won’t miss it when it’s gone. Donate all unwanted items for a tax deduction,
have a garage sale or sell them on eBay. If you have to come up with money
for a storage unit for all that stuff, it’s time to eliminate that debt.
Pay attention to potential income.
Perhaps you have had a hobby for years but have never considered it as a
money earner. Take a good look at it now. If you love to scrapbook, consider
putting an ad in the paper to teach others how to do the same. At the same
time, establish a Web page where others can sign up to learn your craft
online.
Could you have old money just waiting to be claimed? Perhaps, you made a
move and forgot about an old bank account. There are plenty of free sites
that list people who are owed money by insurance companies, banks and
utilities. Try MissingMoney and CashUnclaimed.
Ask for a deal.
It’s that time again when you need to go out and buy a big-ticket item. You
know by now to shop around for the best price but are you prepared to ask
for a deal. Next time you have your heart set on that ruby ring and you are
prepared to drop 3K to make the purchase, stop and think about haggling
53
that price a bit. Don’t just assume because you are at a finer jewelry store
that the price will be carved in stone. Ask. It never hurts to ask. But don’t waste your money on diamonds or gem stones. Invest in gold and silver. (More about these commodities in another blog).
Using Good Commonsense and Planning – You Can Survive!!
Armed with the finances that you need to survive, look to the below lists and
arm yourself, now, with all of the supplies that you will need in a dire
emergency:
Miscellaneous supplies to store up
· 25 pounds laundry soap
· 12 28 oz. bottles dish soap
· 73 rolls toilet paper
· sanitary napkins in sufficient quantity
· 8 gallons bleach (used for sanitation as well as laundry)
· 12 bars hand soap
· 6 24 oz. bottles shampoo
· personal products, such as toothpaste, deodorant
· chainsaw oil and other items to keep things running
· pet foods
· livestock feed
· 55 gallons kerosene for lighting
· 25 gallons Coleman fuel or other lantern fuel
Suggested contents of a good medical kit
A good first aid book
Thermometer
Daily prescription meds for all family
Antibiotics
Ointments for the eye, fungus & cuts
Anti-diarhea medication
Pain and anti-inflammatory medication
such as aspirin
Burn treatment, such as Burn Free
Iodine/Betadine
Alcohol
Oral electrolytes (for dehydration from
fever, diarrhea, stress)
Cold remedies
Cough medicines
Cough drops/throat discs
Bandages
Gauze
Cotton
Surgical tape
Scissors
Hemostats

I hope you find this information useful, live long and prosper.

Thainado

Found Money: How To Generate Quick Cash In An Emergency. Pt. 7/8

Found Money:
How To Generate Quick Cash
In An Emergency. Pt. 7/8

Table of Contents:

40 Consume Smarter
41 How to Save Money on Gas
43 Simpler Solutions for Managing your Money

47 Spend Money on your Home

40
It is NOT to just consume less. It is to consume smarter OR differently.
We must NOT just go blindly along when it comes to consumption.
Just say no to impulse buying
• If you see something you want, put it aside and think about it for at least
a couple of days. Chances are, the impulse should pass.
• Look to other sources of entertainment
• Find ways to socialize and create your own entertainment that don’t
revolve around expensive restaurant tabs or event tickets.
• Spend time in quiet time
• Quiet time helps you recharge your spiritual batteries and give you the
time you need to reflect on life and make better choices.
• Remember that time is money after all
• This time issue is going to loom even larger than money. We, as a
society, have concluded that time is money. The two are closely tied.
Spend time wisely.
Every Day Money Saving Tips.
How to Save Money on Gas.
Gas prices just keep going up, and our wallets keep decreasing in size. This
how-to will teach you many ways to save money at the local gas station.
Steps
1. Take out a credit card. Some credit cards offer gas savings when you
use the card for purchases. This works in much the same way that some
credit card companies give you frequent flyer miles when you use their card
for purchases.
2. Get a gas membership card. Look for membership benefits. In
addition, department and grocery stores give discounts at the fuel pump
when you use their store membership cards. Shopping at Giant Eagle grocery
store and using their membership card, it’s possible (at the time of this
41
writing) to fill a car’s tank for .79 cents a gallon, with savings of $1.36 per
gallon.
3. Give your car a good tune up. While giving your car a tune up won’t
actually save you money at the pump, it will save you in gas. Using less gas
saves you money over all. Have the oil changed, and have a certified
mechanic gives your engine a twice over.
4. Check the WWW for deals. Web sites let you find the best deals in your
area.
5. Buy a hybrid car. Not only do hybrid cars give you immediate savings
at the pump, the U.S. government and your local state offer tax breaks for
people who use gas saving cars. Federal deductions for using gas saving cars
can be as high as $2000. If you can’t afford the growing number of hybrid
cars out there, consider getting a regular car with good MPG (miles per
gallon), like the Toyota Echo.
6. Turn off the AC. Running the car’s air conditioning puts extra strain on
your car’s engine. This translates into you car eating up more gas per mile.
Use less gas, save money. Depending on the car you drive, at highway
speeds, the AC might put less drag on your car than if all the windows are
open. Therefore, you might want to keep it cool on the highway.
7. Use the cheaper stuff. Most modern cars run just as well with the
cheap gas as they do with the more expensive gas. In fact, engineers
assume the car buyer is going to use the cheap gas, and so, they design the
car’s engine accordingly.
8. Don’t fill the tank when prices are higher. Gas suppliers and gas
station owners can charge high prices for gas because they know people will
pay for it. The owners monitor how much gas people are putting into their
cars each day. If they hike up the price a few cents and people are still filling
up their tanks, this tells the owners that people are willing to pay the high
price. Adding only a few gallons to your car when prices are high sends a
message to the owners that people are not happy about the high prices.
9. Don’t drive. Don’t drive when you don’t absolutely have to. Carpooling,
walking, taking the bus, and riding a bike not only saves you gas, but these
are better for the environment and may be better for your health. Do you
really need to drive to the store when it is only a couple of blocks down the
street?
10. Check the tire air pressures weekly. Buy an inexpensive manual air
pump and an accurate tire gauge (not a pencil gauge as they are not
accurate). Keep all tires inflated to the same pressure as recommended for
your car but not for your tire. Go by the sticker on the door frame and not the
tire wall.
42
11. Drive at a consistent speed and keep the windows up tight. Keeping
the windows closed reduces the drag on your car. Sticking to the speed limit
also helps. So, will using less gear changes and revving the engine less.
Avoid accelerating fast or braking suddenly. Use cruise control when you can.
12. Clean out any unnecessary items in your car. If you have heavy
objects in your car that you don’t need – remove them. If your car is lighter,
it will use less fuel to get you to where you’re going.
13. Avoid leaving your car idle. If you are going to be stopped for more
than one minute, you will save gas by turning the car off and restarting when
you are ready to go.
14. Buy on cold days. Buy fuel on cold days and if you can, drive on the
hot days. When you buy on cold days, and pay for volume, you buy more
“mass” of fuel for the same price. Never fill the tank completely or it will
overflow when it becomes hotter.
Simpler Solutions for Managing your Money
Let’s face it, coming up with smart and simple ways of saving money takes
thinking that is a bit more creative.
Use some of these shortcuts to managing your finances. They are guaranteed
to save you time and money.
Trick your mind into saving
Can’t always come up with where your money goes? There is a simple
solution: Trick your own mind into spending less and saving more.
If you are up for a challenge, allocate yourself a weekly allowance. Put a set
amount of allowance into an envelope and determine that this will be all you
will be allowed to spend for any given week. Next, divide your allowance to
take care of your expenses. When you get down to the last $20, that’s the
amount you put into your emergency fund. When the money is gone, there
will be no more until next week.
Each payday, allocate a percentage to go into a secret fund used only for
emergencies. When it’s crunch time, you will know it’s there.
Establish one dresser drawer just to toss single dollar bills. This way when
the pizza man arrives, you will have the singles handy and won’t need to
break the larger dollar amounts. This discipline forces your mind to think
larger amounts and to save larger amounts. You get into the habit of
spending only the singles. This works!
43
To control your credit card debt, carry just one card and pay it off each
month. If you are tempted to over spend, the credit card goes into the safe
where you only stash your emergency fund. When crunch day comes you
have a credit card you can use that will always be in good standing.
Jot down expenses in a notebook and tally them at the end of each week to
see if you are over or under your budget estimates. Build in more than you
need so that you will always have a cushion in case of a cash emergency.
Tracking your spending takes some work but if you take careful notes, you
will always be able to see one or two areas where you’re leaking cash. You
can then come up with an extra $20 or more per week in savings. That’s
$1,000 a year in real money for an emergency fund.
More tricks to add to your own savings routine:
Have your paycheck automatically deposited directly to savings rather than
to your checking account. You will transfer money to pay your bills, but you’ll
think twice about withdrawing additional cash.
Make ONLY one ATM withdrawal each week.
Subtract your credit card purchases immediately from your checking account
so you’re not surprised once the bill arrives.
When you pay off a loan, add the amount to payments you’re already making
to the next lender on your list. You can also send the money to a saving or
investment account earmarked for a house, a vacation or a new car and this
money will be made available in case of a money emergency.
PAY YOUR BILLS ONLINE AND SAVE.
Nearly one-third of U.S. consumers pay their bills online, says Judy Wicks of
CheckFree, the leading provider of electronic-billing and payment services.
Probably the easiest way to pay your bills online is to use a safe, encrypted
service—offered by banks, credit unions, brokers and companies such as
AOL, MSN, Quicken or Yahoo! Arrange for an e-mail reminder that a bill is
due.
The service can handle payments entirely electronically or it can generate a
paper check, if necessary—to pay the guy who mows your lawn, for example.
If a payment is late, many bill-paying services will reimburse you for late
fees up to a certain amount (sometimes as much as $50), as long as you
have scheduled the payment within their guidelines.
To shed yet more paperwork, arrange to receive bills and statements
electronically. Sign up with e-billers on many services or at
MyCheckFree.com.
44
Online bill paying also helps you to keep your finances organized. You have
your records right there—what you owe, past payments—and all on one site.
Wells Fargo goes a step further: Its online-banking customers have access to
My Spending Report, which they can use as a de facto budget. My Spending
Report tracks online bill payments and Wells Fargo debit- and credit-card
charges, and plugs them into one of 20 categories so that you can see how
much you’ve spent on, say, movies and restaurant meals.
In addition, of course, you can track your spending using Microsoft Money or
Quicken. With Quicken 2006, once you pay a bill there’s no need to print and
file it. Instead, you can attach the bill electronically to the account from
which you made your payment, so it’s always at your fingertips.
REWARD YOURSELF!
Are you trying to figure out which credit card offers the best rebate? Simple
solution: Take the cash and run.
It couldn’t be easier than this. With a cash rebate, you get either a check in
the mail or a credit on your statement, so you don’t have to weigh the
relative benefits of airline miles versus a new set of luggage. To find the best
deals, we simplified the process by assuming that you spend $33 on gas each
week, $100 a week on groceries and $1,000 per month on other purchases.
Tops is the Citi Dividend Platinum Select card (at http://www.citibank.com). It
charges 11.74% and offers rebates of 5% on purchases at supermarkets,
drugstores and gas stations and 1% on everything else. However, Citi caps
its annual rebate at $300, which you would reach in about eight months
under our scenario (at that point you could switch to another card). Exempt
from the cap are goods bought through Citi’s Dividend Merchant Network,
which includes more than 200 retailers, catalogs and Internet sites. Those
purchases earn rebates between 5% and 7%.
Next up is the National City Everyday Rewards Elite Visa card (at
http://www.nationalcity.com), on which our yearlong spending spree would earn
a rebate of $270. National City is unique in bundling restaurants with grocery
stores in a single category, with rebates of 2%. With an interest rate of
10.49%, the card rebates 4% on gas, 3% on movies and up to 1% on
everything else. There are spending caps in some categories.
The American Express Blue Cash card (at http://www.americanexpress.com)
carries an interest rate of 11.24%. It gives you up to 5% on groceries, gas
and drugstore purchases, and up to 1.5% on the rest of your charges, up to
a maximum expenditure of $50,000. Total rebate in our example: $266.
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The Capital One No Hassle Cash card (at http://www.capitalone.com) offers a
rebate of up to 3% on gas and groceries and 1% on everything else you buy,
with no dollar limit and a relatively modest 9.9% interest rate. You would
earn an annual reward of $237 in our scenario.
The Chase Free Cash Rewards Platinum Visa card (at http://www.bankone.com),
which carries an interest rate of 11.99%, gives you one point for every dollar
spent on purchases (with a $60,000 spending cap). In addition, it has an
interesting twist: a one-point bonus for every dollar you pay in interest. Each
time you accrue 2,500 points, you receive a check for $25. Without the
interest bonus, you’d be eligible for a rebate of $189, so the card is more
attractive for card users who often carry a balance.
When saving for an emergency fund – you just can’t go wrong with cash!
Multiple Ways to make the most of a Year-end Bonus
If you have a nice chunk of extra cash to look forward to each year, think
now about the best ways to put it to work for you.
Maybe this year you’ll get lucky. You’ve applied for that great, higher-paying
promotion and this will boost your monthly pay by $500. You want to make
sure the money goes toward building a better future rather than being
squandered on items, you just don’t need.
That’s the beauty of getting a year-end raise or bonus—it’s one of the rare
opportunities to make a big difference in your finances without having to
make sacrifices. You’ve been living without the money previously, so you can
take any financial medicine you need even without altering your present
lifestyle.
Financial triage.
Consider first that all extra cash should first be used to solidify your base.
Next, pay off all credit-card debt.
This can have a gigantic ripple effect on the rest of your finances. As soon as
you stop paying higher interest charges each month, you’ll have more money
to devote to any other goals.
Pad your emergency fund, if you don’t already have three to six months’
worth of living expenses in a safe and liquid account. That way you won’t
have to go into debt or raid long-term savings for unexpected bills when the
bigger emergencies do arrive.
Add contributions to your 401(k), if you haven’t hit the limit. You’ll avoid
paying more taxes on the extra cash, and you may earn free money if you
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get an employer match. You can also invest part of your bonus in your IRA if
you haven’t contributed $3,000 for 2004 ($3,500 if you’re 50 or older). If
you’ve already reached that limit, use your bonus to make your 2005 IRA
contribution in January (the limit rises to $4,000 next year, $4,500 if you’re
50 or older) or earmark a bigger chunk of your raise each month.
Take a look at that long-term debt.
Now that you have boosted your financial foundation, you have more
flexibility. Watson is already in great shape—she’s maxing out her 401(k)
and Roth IRA contributions—but she still has about $17,000 in student loans
hanging over her head. The loans carry a low, 3.5% rate, so she’s trying to
choose between adding the $500 a month to her loan payments or investing
the extra money.
With interest rates that low, paying off the loan doesn’t need to be a priority.
“If you can earn at least 3.5% in the marketplace, and I believe that you
can, then investing is the better way to go,” says Brian Jones, a certified
financial planner in Fairfax, Va. Investing becomes even more important if
you need to save for a short-term goal, such as buying a house.
However, it’s okay if you’d rather pay off a student loan to get it out of the
way. “Psychologically, it’s important to get these debts behind you before
you start to move ahead,” says Mari Adam, a certified financial planner in
Boca Raton, Fla. “I know people in their 30’s who still have big loans, and
that debt becomes like a ball and chain around their leg.”
The same is true if you’re thinking of devoting part of your raise to making
extra mortgage payments. Chris Crocket, a doctor in Tupelo, Miss., is getting
a big bonus this year that could be enough to pay off his mortgage that has
10 years remaining at 4.75%. As long as he’s covered his other bases,
paying off the loan could give him the equivalent of a guaranteed 4.75%
return.
Eliminating your mortgage payment can also help if you’ll be retiring soon or
worry that you may lose your job, says Evelyn D’Amico, a financial planner in
Paoli, Pa. However, you don’t want to tie up too much money in a single
investment. For better diversification, you could devote part of your raise or
bonus to your mortgage and then invest the rest.
Don’t forget to treat yourself.
It is time to have some fun and you deserve it! You worked hard for your
bonus or raise, so, go out there and have some fun.
You can set up a vacation fund.
Use part of your extra cash today to pay for the trip you have always
wanted. You only need to set aside $310 per month in a savings account
paying 2% to end up with $5,000 for springtime in Italy in 2006. Imagine
spending the spring in Italy! Now that would be some kind of vacation.
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Spend some money on your home.
Many home improvements can save you big money over the long haul. For
example, think about the value of storm-resistant windows and shutters.
Spending an extra few thousand dollars now, not only helps protects your
home, but also can increase its value and lower the premiums on your
homeowner’s policy. This is smart planning!
One final idea is to start-up a charitable fund. With $10,000, you can set up a
donor-advised fund at many mutual fund companies and brokerage firms.
You can then deduct the contributions on your tax return straight away and
decide later which charities that you wish to support.
A Few Useful Savings Strategies.
1. Don’t pay a dime for anything that you can make or fix for yourself.
2. Prolong the life of whatever you own.
3. Use less of what you need.
4. Think creatively. The answer doesn’t have to be “buy a new one.”
5. Don’t toss anything if it can be reused or recycled somehow.
You could do these tried-and-true, pioneer values now.
If you really want to save money, you can’t just look at ways to save now.
You have to look at your life, today.
Simple Ways to Bring both Calm AND Savings into your Life
Saving is far more than just an action – it is a way of living, day-by-day.
Start to be calm by first slowing. Whatever it is that you are working on now,
stop. Spend the next 30 minutes a day in silence and solitude. You need to
teach your mind how to relax, so you can shift from the work-and-spend
treadmill and then focus on what’s most important to you.
A calm heart is a tidy heart. It is time to clean up your act. Start today by
spending 15 minutes every day going through a closet, a shelf, a drawer, and
getting rid of anything you don’t use or cherish. Once you start on these
surface areas, weeding that out, the skills and mindset carry over to more
complex areas like your work, money and relationships.

Found Money: How To Generate Quick Cash In An Emergency. Pt. 6/8

Found Money:
How To Generate Quick Cash
In An Emergency. Pt. 6/8

Table of Contents:

35 Make Money with IRA and 401k
37 Emergency Money Strategy while Dealing with
Debt, Financial Stress & Family
38 Quick Cash Fixes
39 A Few Timely Lessons in Simple Living

35
Every worker with earned income is now entitled to open a non-deductible
IRA or, even better, a Roth IRA. The maximum $3,000-a-year contribution
works out to a cost of $57.69 a week. Any hard-working American is capable
of achieving this goal.
Moreover, a $3,000 annual investment in a Roth IRA, growing tax-free at the
historical average of 10.6% for the stock market, builds to more than
$500,000 in 30 years. If you start in your twenties and put $3,000 in that
same Roth IRA every year, at 10.6%, you could have a nest egg of nearly,
$5.2 million at age 70, according to the MSN Money’s Savings Calculator.
Even with an 8% annual return, you’ll end up with $1.9 million.
3. Be sure your money is working for you, instead of against you.
Your money can work very powerfully for you if you make the right decisions
and implement a plan of regular investing. At the same time, wrong money
decisions will place deep potholes on your road to success.
The classic example is credit-card debt. Consider the example of a person
who charges $2,000 on a credit card at 19.8% interest and a $40 annual fee.
If you make only the minimum monthly payments (and many people do just
that), it will take you 31 years and two months to pay off the balance!
Moreover, along the way, you’ll pay an additional $8,202 in finance charges.
This is absurd logic!
What could possibly be so important to charge today that it puts you in debt
for a period far longer than the object is likely to last? (Sure, a mortgage
lasts 30 years, but the interest is deducible and your home should grow in
value over that time.) Most things that you want to charge on your card have
a far shorter life. For many, they can do entirely without that one purchase.
If you’re already in debt, if you would only double the minimum monthly
payment, you could be out of debt in less than three years. Paying down
current debt is the smartest way to start on the road to financial freedom.
4. Keep a tight clasp on that wallet
When you take a close look at your paycheck, you’ll notice many deductions
before you get to the amount you can cash or put in the bank. Surely, there
are deductions for Social Security, federal, and perhaps state income taxes.
It’s money that’s out of your paycheck before you have a chance to even
make decisions about it. Money set aside for wealth building should be
treated in the exact same way. If your company offers a 401(k) retirement
plan, make sure you sign up for the maximum possible contribution. It will be
taken out of your paycheck, each pay period, automatically. (And if your
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company matches all or part of your contribution, failing to sign up is like
walking away from free money!)
If you didn’t have a chance for automatic deductions to a company savings
plan or even a U.S. Savings Bonds payroll deduction plan, then you’ll have to
create your own automatic savings plan. Ask if your company will deposit
your paycheck directly into your bank account—or promise yourself to do it
the day you receive the check.
Then sign up for an automatic monthly deduction plan with a mutual fund
company to create regular deposits into an IRA. You can even set up an
automatic deduction for U.S. Savings bonds at its Web site. The whole point
to this is to get the money out of your checking account as quickly as
possible, before you see it and spend it.
5. Create money savings and investment goals.
Would you like to have $1 million by the age of 40 or 50 or by the time you
retire? Sure you would!
Begin by setting your own goals. Never set a goal you can’t control. Your
targets can’t depend on your boss giving you a raise; they must be reachable
by your own efforts. You might need to invest in yourself by acquiring more
education or training so you can qualify for a job that pays more.
You might need to take more risk in your investments or in your lifestyle by
taking on a second job that pays commissions instead of a fixed salary.
Evaluate the risks involved, and understand that by putting the odds on your
side, you can get a larger return.
Emergency Money Strategy while Dealing With Debt, Financial Stress
& Family
Financial stress is common among those forced into frugality because of a
lost job, divorce, death in the family, or being overcome with debt, etc. This
can cause a person to feel insecure, fearful, anxious, angry, and, of course,
depressed.
These same feelings are easily the number one cause of poor money
management decisions. These poor decisions will lead to unmanageable debt
loads, and start a vicious cycle of panic that never seems to end.
When you reach this point, and you find yourself with a money emergency,
your feelings of helplessness can become so overwhelming you literally stop
functioning in the real world.
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YOU NEED TO HAVE YOUR WITS ABOUT YOU TO RAISE EMERGENCY MONEY!
Get yourself Immediate Help.
If you recognize any of the above traits in yourself, get the help you need
right away. See out a professional counselor … talk to a friend or family
member … but talk to someone! If you know someone who is exhibiting the
above traits, offer to help them! It doesn’t matter whether you lend then
cash, an ear, offer some helpful advice, or help them get counseling, do
something!
The first thing that you need to grasp is that no situation is hopeless. With
just a little guidance and patience, along with a couple of well thought out
goals, and emotional support from family and friends, you can do what it
takes to come out of dire circumstances.
You can adapt a new outlook, new skills, and best of all, a new feeling of
self-esteem. Don’t allow anyone to tell you different, and if they do, close the
same door that they came into and don’t again open it! What you need is
positive reinforcement and not negativity to help you get to the other side.
Seek out your True Friends
When you are desperate to raise emergency funds, it usually doesn’t take
very long for you to realize who really cares about you, who is truly a friend
… be they family or not. Your friends will be there for you in your time of
need, offer encouragement, and lend an ear so you can just talk. Ask for help
in coming up with good ideas about how you can raise emergency funds
during such a difficult time in your life. Be open to the many suggestions that
you will receive.
Prepare to Set your Priorities.
There comes the time when you will need to put aside your feelings and just
concentrate on the well-being of you, and your family. This has to be your
priority during times of financial stress and upheaval. In financially stressful
times, if you, as the Mom or Dad, can’t cope, how can you expect your
children to cope now, or in the future? You must set the example for the rest
of the family to draw strength from them.
So make the decision today to learn how to cope, to make the changes you
can, to stay focused and goal-oriented, and to let anxiety and financial stress
go out the door so that you will be prepared to deal with any money
emergencies that come your way.
38
You need to be able to come up with some quick cash fixes (without
additional borrowing) to recover from a Money Emergency:
Budgeting Tip #1: The first thing you want to do is prioritize to get back on
track very quickly. If that means letting your credit card bill go for a bit, so
be it. As soon as you realize that you have a money emergency, contact your
credit card issuers and request reduced interest rates and payments. Not
only one, both!
Budgeting Tip #2: For your car payment, call the creditor and request a
payment extension. Perhaps you hate payment extensions, because they
require a fee and you still have to make the payment at the end of the
contract. In this case, a payment extension can allow a little breathing room
to help you recover during your money emergency. Expect that you will likely
have to pay a fee (usually about ¼ – 1/3 the car payment amount) for the
extension. Freeing up the money you need today is your first and only goal
at this point.
Budgeting Tip #3: Check to see if your mortgage holder will allow an
extension for a nominal fee. Do this today!
Budgeting Tip #4: Another quick fix, is to host an on the spot yard sale. You
don’t have too much time for planning, so do a quick survey of your personal
belongings. Come up with clothes that no longer fit, but that are in good
condition, knickknacks, dishes, and books as well as stuff you bought but no
longer use. Throw it all together, quickly. Put some notices up the same day
at laundry mats and grocery stores around town, and remember to place a
sign at the end of your driveway. You can make a quick $300 this way with
very little time and effort.
Budgeting Tip #5: If you have a larger item to sell, call into the local radio
stations to see if they have a “call in swap show” on the weekends. This is a
very popular way to quickly convert gently used and more expensive items to
fast cash.
Budgeting Tip #6: Another quick option is with utility and telephone bills. If
you aren’t already on a budget plan, ask that the current bill (plus any
previous balance you owe) be set up for a budget plan. Expect to pay a down
payment (usually ¼ of the bill) and that all future bills (while on the back
payment budget plan) must be kept current. The nice thing about it … it’s
usually interest free, and can give you some much-needed breathing space
for a month. You must be sure though that you maintain the regular utility
payments AND the budget payments in the coming month.
Budgeting Tip #7: Check with your family church regarding emergency help.
Local churches can be one of the best places to find out what’s available in
39
the community to help those in need, or in times of emergency. Check with
your local church, first.
Getting Fast Cash through Borrowing.
If you are absolutely, positively, in a bind, a real cash emergency, and you
have exhausted all of the above, then consider borrowing. First, ask your
family, then your local bank.
As a last resort, you may want to consider what’s known as a “Payday Loan.”
These types of borrowing stores can be useful when all else fails.
A Few Timely Lessons in Simple Living
Planning for a money emergency takes plenty of forethought. It is best to
start to plan now rather than need to scramble to come up with the cash
when the need is greatest.
• Adapt some strategic thinking.
• Reprogram your mind now to become a saver
• Simple living yields simply millions in savings
• Remind yourself that you can do with less
• Make a mindful decision to live light.
• Put your entire family on a budget
• Discuss strategies about how to build your first budget
Better Money Management Thinking.
The first step to making better choices when it comes to how we spend our
money or time is living and acting consciously and examining daily money
and work habits.
Simple living is largely a matter of making better choices in life: about how
we spend, consume, create community and spend our free time.