Your Money
We all have the same comments each month, just finished paying all the bills and now they are due again. Well many Americans are now so overextended that they either live on credit or from paycheck to paycheck. There is no bank balance to fall back on in lean times. Loans eat up your disposable income with interest as do credit cards. Sometimes the truth is there are no solutions at hand. Then the creative aspect comes in forcing you to look for a way to earn some extra money. Lowering cost is one way to start repairing the budget problem. Look at the present monthly expenses then ask what you can cut. Take that money and put it on a bill to reduce interest. Don't make any unnecessary purchases unless absolutely necessary. Today many stores are offering no interest payments for various time periods so use their money.
In today's market cell phone rates are dropping with increased competition so you can and should slash your cost where possible. VOIP phone companies are growing in numbers, A new company is offering a deal that will cost about $214.00 for the equipment and about $40.00 if you want to keep the same phone number. The monthly cost for this plan is only $4.00 You can spend an extra $40.00 for a better unit, sign up for their premium plan for about $10.00 a month. Their foreign call rates are extremely low. So with prices like these you will see savings by the end of the first year if you presently use a home phone. Where else can you cut back? The question is where do you want to cut back? Sometimes you may need to reduce those trips to the coffee shop, bring your own lunch and maybe actually use coupons. Don't knock the coupon deal until you tried it. I saw a woman with a cart packed to rim at the checkout. She was given back money from the cashier from all the coupons she had given her. Does free food and cash back sound like a deal?
So there will always be bills to pay but you can gradually catch up on them, reduce costs and save a few dollars if you make some changes and wise choices. Take a few minutes to see how much you save in a month. Multiply that by 12 months. The goal is to use the money to reduce as much short term debt as possible. Later you can make larger payments to any bigger loans or credit card balances.
Millions of Americans
have never taken the time to ask why gas prices are so high. The news tells us
they are high at the pump so we think the gas companies are inflating the
prices. Sure they are making billions but we are consuming more gas than ever.
You only need to look at a few details to understand what is really going on.
One is the commodities market. Oil is being traded on there before the gas
companies get it so they have to pay higher prices for it. It is not Opec or
other companies that inflate oil prices. The real culprits are US investors and
speculators. They are making a fortune on us. The
The commodities market was started to control prices for products like crops so in bad times farmers would not lose money and the prices of the crop would go up. There are rules that state a product must no longer be traded when it is being traded purely for profit. That is the case for oil. There is a document that allows the president, congress and the commodities exchange commission to cease trading on oil overnight but for some reason they refuse to exercise that option. These high fuel prices are hurting the economy. We cannot have more growth if our disposable income goes to a handful of speculators. Every American has the right to call or email our congress representative and the White House to let them know you understand what is really causing inflated oil prices and want them to cease trading oil on the commodities market.
This is the second time this problem has arisen. Congress and the president were told both times what the cause was. If you recall last time this happened a trader from Wall Street testified at a hearing. He stated the problem was speculators trading oil on the commodities market and the solution was to cease trading. He said the prices would drop dramatically with in a week. Well they went from almost five dollars a gallon down to below two dollars a gallon in five days.
In theory prices should be about $2.00 a gallon but at $4.00 a gallon each time you buy 10 gallons of gas your giving $20.00 to an investor you don't know. They are earning millions every month while you're draining your account. Remember that profiting from a commodities item is illegal. The market was designed for price stabilization for crops. What are your options? You can convert your car to burn hydrogen or natural gas, buy a hybrid, carpool, stop using items made from oil like plastic bags and bottles or cut back on personal items ike entertainment and dining out. If you are a
As a citizen you have the right to email or call the White House and let them know you are upset and want them to stop the illegal profits and trading of oil on the commodities market.Contact your local newspaper and news staion to ask them why they are not being honest with their viewers about the situation. Educating anyone you know about the problem and getting them to participate will help put pressure on the government. Unfortunately it apperas that Congress and the senate are totally useless in taking action. Last thing we need are more investigations. They were already done and the solution given. There has to come a time in your life when you wake up and realize your being lied to and work to support another persons greed. Pipelines and drilling for more oil is uselessas long as we allow investors to inflate the price of crude oil. Now you know the truth.
We are constantly reminded about investing in our retirement saving plans. That is a great idea, one that we all need to keep in mind but there is a short term problem we don't hear about which is our everyday expenses. In a business money has to be set aside in a fund for general repairs and maintenance. Our homes require the same consideration. We have appliances that can and will break down, plumbing that will eventually need repair or replacement, furniture that will need to be replaced from wear as will carpet, walls will need painting, blinds will fall apart and the exterior of the house will need repair. Lets factor in personal health issues. A trip to the ER could break the bank. I have insurance but still have to pay. One night a trip to the ER cost as follows; ambulance ride 1.4 miles to hospital with oxygen $1250.00 Laying on a gurney in the ER $3,000.00 without treatment saying hello to a doctor $800.00
The outcome was that nothing could be done for me with my condition. They billed me $700.00 as my share of the payment and gave me a pint of orange juice. So as you can see expenses can suddenly come up and drain your available funds. Items like this can be negotiated as payments with the vendors so don't pay them in full. Keep your cash. You don't have the same leverage to negotiate payments with vendors for home repairs. They just don't work that way. Simple repairs like leaky faucets, toilet items, stove problems; painting can all be a DIY project. We'll give you some tips later on air conditioning and refrigerators that will keep them from burning out and running cooler and a place to go to trouble shoot and repair home appliances and buy parts. What you need to do is list all the items in your home that you know will need replacing in the future or let's say some of the carpet or furniture will be replaced just because. So you need to estimate the life expectancy of each item in the house. Then divide it into the replacement cost. Put that cost onto a list as a separate yearly contribution towards capital purchases. Items like faucets, lighting fixtures, even cabinets can be included, don't forget the roof.
This money will keep you out of loans and high interest credit cards. It's a better way to manage your finances before anything happens. Too many people get overextended and end up borrowing to pay for repairs. Air conditioners can be very expensive but a new refrigerator at high interest rates of 21% is not exactly great for the budget. Look for the long term no interest deals if you need to make a purchase and use the stores money to pay it off. There are three appliance repair sites you can go to for help in diagnosing problems with just about everything in your home. They explain all the details, pcapliance pros.com appliance repair.com Repair Clinic.com where the parts are located, how to repair it and sell you the parts. any refrigeration and air conditioning problems dealing with the compressor and freon or any coolant must be left to the pros. That is specialized requiring licensing and special equipment but at least understanding what might be wrong will save you the expense of having someone misdiagnose the problem to make a few dollars at your expense.
Here is some information on keeping your refrigerator and a/c running better. Refrigerators need air flow. They can not be pushed against the wall. Make sure they are a few inches away from the wall, 4 to 6 inches is advisable, to allow air to flow in there to help cool down the coolant inside the system. The underside collects a lot of dust which also clogs it up and causes heat to build up so depending on your traffic in the kitchen be sure to vacuum out under the refrigerator periodically. When you start to prepare meals try to get organized and take out all the items at one time if possible from the refrigerator to reduce the time the door remains open reducing temperature loss. This reduces the time it has to run, extends the life of the unit and lowers utility bills.
Now the a/c unit is basic. If you have central air units or HVAC just change the filter frequently. So if you run it often in the summer then check it every month. Don't allow the dirt to build up to the point that you can measure it. This forces the compressor and fan motor to work harder, use more electriicity, causing them to burn out much sooner than expected. The central a/c unit compressor and coils are usually outdoors. they will need to be cleaned yearly. Take a garden hose and under high water pressure spray it through the coils surrounding the fan. Take care not to soak the fan motor. Clean coils allows more air flow lowering the coolant temperature faster and reducing pressure in the compressor which lowers electrical usage (amps). In theory this should also cool the house down a little faster. If for any reason you can't access your unit or it has never been serviced have a professional do a total cleaning and inspection to make sure it will perform as you want it to when needed.
STOP BUYING FURNACE FILTERS EVERY MONTH! Switch to Permanent, Washable, Electrostatic Filters...Starting at $39.99. Better filtration no waste.
Most of the Cashiers at the markets out here in Southern California are very friendly and helpful. They have good personalities, always say hello and will strike up a little conversation. I make frequent stops at some local markets and have found in time that there have been mistakes on the receipts, charges for items missing or overcharged on other items, reductions not taken off. So these little mistakes can cost you in the long run and they do add up. Once in a while it may be in your favor but like a slot machine you will end up losing. The cashiers are only human so you have to work with them. Step to the side after they ring you out. Check the receipt and make sure all the items you bought are there and properly charged for. Those few minutes will pay off.
Recently it was revealed the number of mistakes made by cashiers were far more numerous than expected. Most were in favor of the store and have been bringing in a lot of extra revenue.
In the event you should want your food done a special way chances are you have a 50/50 chance of them getting the order correct. Sometimes the aggravation just isn't worth the trip and would have been better to stay home and cook. Lets start by saying you should go inside and order because you will probably end up inside throwing the food at someone to fix the mistakes. I have to say a prayer before I order at a drive thru window.
The staff is programmed
to smother the food with special sauces and cheese regardless of what you
request. They seem to work in a robotic assembly line fashion. So the order comes
out wrong as I anticipated but yet I remain somewhat calm. It gets sent back
but comes out wrong again. Ok now my
That's right. This local
market in
Thanksgiving was coming and I wanted to order a pork roast so off I go to the same market. So I approached the meat market manager and said I wanted to place an order for a pork roast. He looked at me a little funny and said we can't take orders. Ok so why can't you take orders. He replied, because we lose them! I stared at him in disbelief then asked if this was a prerequisite to work at this market. It isn't rocket science, take the order, hang it and do it. I did this for 14 years in our own business and never lost one order. The manager really didn't have any thing to add to the conversation at that point so I walked away and decided to try my luck elsewhere hoping to find someone in this valley that could actually take an order and not lose it.
That Market did have great fried chicken but the last time I bought it they undercooked it so I had to finish cooking it in the oven. The manager said I should have brought it back. I recommended he instruct his employees on how to cook the chicken. Guess he didn't follow through. It happened a second time. You get what you pay for and out here that's how it works with many employees, they are improperly trained and half can't speak English. They just nod their when you talk to them then screw up the order.
Periodically I stop at my "favorite" local market that has a bakery for a loaf of freah baked bread. This is the place hat loses orders, undercooks chicken and has employees who don't seem to understand English. Some of the other markets don't have bakeries. I've bought this bread before and it is good, not like New Jersey or New York but it works. So I walk nto the market, head over to the bakery section and spot the bread. As i picked it up something caught my eye. there was something foreign looking across the top of the bread. Upon closer examination i realized someone put shredded cheese across the top of the bread, undoubtedly cheddar in appearance. Why?
I called over the manager and said what the hell is this on the bread. he replied " cheddar Cheese" "Whose idea was this" I asked. he replied "the baker thought it would be a nice touch to add cheese on the bread" " Nice Touch? He ruined a parfectly good loaf of italian bread. in case you have not figured it out yet cheddar cheese does not go on top of italian bread. please stop ruining food. This isn't a taco. You guys dump cheese on anything that doesn't move. can't you get anything right. So I guess you don't have any bread back there that you have not ruined." At this point the manager was lost for words but of course I couldn't leave without asking him to make sure they stopped dumping cheese on everything. Next time I went there they discontinued using cheese on the bread. One fact is evident, the manager is not Italian and has no knowledge of Italian food.
Staying healthy and always feeling good are often difficult tasks for millions of people. Anyone suffering from immune system disorders has an even bigger challenge. There are usually no solutions and only prescription drugs that temporarily relieve some symptoms. Quite often pain caused by inflamation is chronic and close to impossible to control with medications. The problems start with an overactive immune system that causes inflammation and illnesses like arthritis, cancer, diabetes aand dozens of more conditions. Many years ago two fortune 200 companies did a joint research venture on the immune system and developed a product that helps the body heal itself.
They found that a chicken passes all of its immunities to its chick in the egg. Their researchers developed methods causing chickens to produce and pass on many antibodies that were not previously there. They eventually had over 100 patents on the concept. Years of testing yielded amazing results. They later sold the rights to a company to market the product on the internet. The tehnical name of the product is Hyperimmune egg. The company labeled it as I26 hyperimmune egg.
Producing antibodies for humans and experimental use is not a new concept. It has been done in labs for years but the method only produced single antibodies utilizing a method that was time consuming and expensive. The new method is like a smorgasboard of defenses for our bodies to use. Years of product testing have yielded conclusive results that this product is highly effective. Thousands pf people throughout the years have used it with amazing results.
The eggs are processed into a powder that is free of any bacteria and low in cholesterol. It is water soluble powder best mixed with a juiice or purchased as a flavored shake. I26 will balance your immune system causing your body to work in harmony meaing all systems and body chemical production will be balanced. Remember the immune system is responsible for many of our illnesses, body chemistry, organ functions, glands and aging. It is possible that balancing body chemistry could help dieters lose weight. Here are some benefits from using this product
- increased energy levels
- sleep better, no more restless nights
- Improved memory and thought process
- increased production of collagen to promote tighter skin
- Protects against colds and flus almost eliminating any chance of getting one
- Protects against allergies helping to reduce or eliminate regular hayfever
- Promotes healing reducing or eliminating infalmmation and pain caused by autoimmune disorders like arthritis.
- promotes a feeling of well being, better mental health. You always feel good and happy.
- Balamced immune system will stabilize or improve conditions which can reduce or eliminate need for medications.
- Enhanced performance for athletes, dancers and anyone who is very active.
- Zero side effects from this product. It does not interfere with any medications
I26 has also proven to be equally effective in treating disorders and various ailments in dogs, cats, horses, and many other animals. They have treated many conditions including joint pain, obesity, age related tiredness, intestinal tract issues, skin conditions and many others. Vets have now turned to I26 to reverse conditons that would have resulted in putting the animals down. Large dogs and animals that have a tendency to develop joint pain benefit greatly from I26. The pain caused by inflammation subsides and the afflicted area begins to heal.
I26, does more than most supplemments avaiable on the market. It will not take the place of good nutrtional habits, exercise and daily dose of sunshine but it will make it all work better. Biochoice I26 success got it listed in the physicians PDR, a feat few natural products can boast about. Learn more about this amazing product at Legacyforlife/nodrugs
