Using Information to Connect with Local Customers.


Marketing your business online is constantly changing. Much of the change has to do with the way that consumers are getting their information. As little as five years ago, you could depend on being able to reach a customer at their personal computer. The concerning issue was whether or not that customer was on a laptop or a desktop computer.

All of that has now changed. As a rule, consumers are now using mobile devices. And while statistics may be helpful, it is fair to say that in the next five years most of those individuals who would be your customers will be using a mobile device and you will have to reach them there.

However, one thing that hasn't changed over the last five years is a consumer's quest for information. Those that need and want to make their decisions based on facts, are constantly searching the internet for more information to give them assurance. Currently, one of the ways that companies market themselves is to make the information the consumers are seeking visible online as a service to those that will eventually be their customers.

However, search engines are moving to make information a component of the service that they offer. In other words, with their Knowledge Graph technology, they are less likely to deliver their visitors to websites and more likely to attempt to deliver the information themselves.
Where does that leave small businesses? Small businesses must establish their own connections with customers and deliver the information and/or education that is needed to make good buying decisions.

There are several venues that companies can use in order to deliver education. As technology progresses in its sophistication, customers can watch and experience education from anyplace where there is an Internet connected device. That means that if you can deliver content through the Internet, you can educate your customer.

Audio Podcasting:

One of the ways that businesses can easily educate their customer is to use the podcasting format. Podcasting is basically an audio program organized to educate its listener. A podcast can be listened to on a mobile connected device or a special device designed for digital entertainment.
The benefit of delivering education through podcasting is that it is all done through audio files. Audio does not require that the user be seated in front of the device order to experience the fullness of the content. They can listen to it in their automobiles (while they drive), at their fitness centers (while they exercise) and even when taking a break from their work.

This is important because there are some significant ways that creating an audio trumps video creation in the education process. Often in the creation of a video recording, there are things that the creator assumes that their viewers understand as they watch. That means that even when the video recording is turned into a strictly ‘audio’ based recording, it may not communicate a full picture to the listener. The video creator isn't communicating to provide an audio listener with a full picture.

Audio creators on the other hand, understand that their audience does not see them. As a result, they communicate images that are fuller, and they speak with the understanding that an audience needs to be cultivated to ‘see’ through what they hear during their program. The audio creator, by default provides rich examples that draw in a listener.

Business owners can get started creating audio content very easily. All that is needed is a computer with mic and headset jacks. Even if that does not exist on their laptop and/or personal computer, they can use a USB port to connect a mic and headset.

With this minimal equipment (mic and headset) in place, companies can then decide whether or not to record their audio program or to broadcast it live. In order to record the program, software on a personal computer is typically needed as well to connect over telephone lines. The most cost-effective way to implement this software is to use Skype (free) for telephone connections, and the recording program Pamela to record the conversation (less than $50).

If the company chooses to broadcast their podcast live, they have several options. One option is the free site BlogTalkRadio.com, which allows at the company to conduct a call-in audio program. BlogTalkRadio.com allows the audio creator to distribute the link ahead of time and to invite individuals to hear the program to be streamed.

Once the program has ended, BlogTalkRadio.com makes the audio available to anyone that wants to hear it in archive form. The same or similar service exists with another company called Spreaker.com.

If the company wants only one person to communicate on the audio, then the free program Audacity will allow audio recordings to be created on a personal computer. In this case, the individual would simply hit a record button on their computer and create audio programming and feel real-time.
Once the program has been recorded, the company can then take the MP3 file and host it on their site or an audio sharing site. Of course, then the link would need to be made available to prospects and customers to hear.

Screen Sharing Education:

One of the other ways that a business can educate their consumers is to take information on their PC and display it to viewers on the Internet while discussing its points audibly. The format is common to businesses in the webinar format.  A webinar is a cross between a seminar and a web-based streamed program.

What is unique about the webinar is that the individual sharing with an audience, can allow them to see what is on their computer screen while they talk. This means that the company can do a live demonstration using images, case studies, presentations and websites. Anything that can be displayed on the computer screen can be shown to individuals attending a webinar.

Although there are multiple webinar platforms available to business owners, the standard resource is Cixtrix’s GoToWebinar. Companies that would like to test GoToWebinar to determine whether or not it fits into their program can undertake a 30 Day Trial.

The key to delivering good webinar content is to be prepared with both slides and a formal presentation. In order to keep the attention of viewers, webinars need to move quickly through their content to get to the Question and Answer portion. Webinars are unique in that they allow the host of the webinar to determine if or when one of the attendees can be brought on to the broadcast to become part of the audible discussion.

If there is a downside to webinar technology, it is the cost associated with renting the line. A webinar can cost as much as four hundred dollars ($400) every month in order to have access to the facility. 

This may or may not be with in your budget to spend on web-based education for your customers.

What some companies have done to limit the cost of the webinar is to deliver the content live, and then to take the recording and deploy it as an “automated webinar”. This can be effective for educational purposes when the viewing audience understands that they are watching a recording and not a live webinar. It's also effective when the business creates the webinar with the understanding that it will be used in an automated format.

However, some companies have moved away from traditional webinar technology and have embraced Google Hangout technology. Google Hangouts are part of the Google Plus social network and are free to deploy by any company with a Google account.

Like webinars, Google Hangouts allow the company to broadcast screen sharing education to a live audience. The live audience can join the viewing of the presentation through Google's video sharing site YouTube.com.

One of the advantages that Google Hangouts provide to those conducting presentations (in addition to costs) is that up to 10 individuals can be panelists simultaneously. This can be of great benefit, if the company is leveraging the following of the presenters on their social media platforms.

The other advantage that Google hangouts offers presenters is the ability to utilize the recording much faster than they would have been able to do otherwise. Every Google hangout that is broadcast across the Internet automatically becomes a YouTube video presentation. That means that it will be easy for the company to send a link to the presentation. For those who were unable to attend.

In addition to this, Google Hangouts allow for the presenters to take questions from those viewing on YouTube. This allows for an interactive presentation with a widespread medium such as the Google Plus network. Companies that do not have the capital to invest on a monthly basis in GoToWebinar can and should learn how to conduct Google hangouts as it has advantages all its own as well as the basic capabilities of webinar facilities.

Document Sharing:

Whether a company is presenting on Google Hangouts or GoToWebinar, they are likely to use presentation software in order to provide the viewer with a way to follow their discussion. Typically this software will be Microsoft PowerPoint, Google Presentations or some other ‘slide-based’ software.

Once the live presentation has been completed, companies can make the information available to those that would prefer not to take the time to listen and/or watch the presentation. In this case, companies can still provide education by building out their presence on a document sharing site.

Document sharing sites include Slideshare.net, Scrbd.com and Issuu.com. In order to utilize the sites, Businesses can simply take their presentation, once they've completed their webinar, change it to a PDF document and upload to one of the document sharing sites.

However, in order to make the document helpful to the reader, it would be best to include verbiage on the actual discussion. Therefore, if the presentation was delivered from a script, companies can and should include it with the document. In addition to this, those companies that have their presentations transcribed, can and should include it on the document sharing site with their presentation.
In addition to this, companies can very easily upload the transcript also. What makes presentations so appealing to those that read through them is that the information has been condensed into memorable bite-size chunks.

Those that create presentations understand that they are simply providing summary content and not an entire written article. Therefore, it is very easy for busy executives to find the document sharing site scan it only for useful information they need once they have completed their investigation.

Blog Posts and Articles:

Companies that seek to educate their customers using blog posts, need to take into consideration the nature of information processing in today's fast-paced society. Consider that there is likely to be someone using a mobile device needing to sift through a considerable amount of information.

How can the company deliver education, under these constraints?

When writing a blog posts, the margins are very narrow and short sentences should be used when possible. In addition to this, the entire document should be ‘scannable’.

What is meant by scannable?

Basically, the company should follow the pattern of giving their readers an indication first of what they are going to learn. Therefore titles should be numerical in nature. For example, "five easy ways to market your business online." By providing a title with a number and giving the structure of the presentation, the reader will be able to squeak rescan the information to find what it is they want.
Writing exhaustively on the topic, may or may not be best for a business as consumers. The best thing to do before committing to writing long pieces, is to find out what the audience would actually want and what they would benefit from knowing. In most cases, marketers will find that company’s customers would rather have short information to follow rather than long.

Video Creation:

While companies can deliver video content through webinar and Google Hangout technology, it will not always be feasible to do so live. In some cases, screen sharing technology would be highly appropriate. However, it would need to be structured, condensed and delivered after thought has been given to the actual presentation. It may also be that companies may want to edit the video in order to provide branded information.

Companies should use YouTube.com and all of its available tools in order to educate their customer base. In addition to being able to create Google Hangout videos, companies can upload their premade videos to specific channels designated for their company.

In addition to being able to utilize their channel, the company can segment certain video content in order to be seen by those that have a desire for it. For example, companies can designate a certain section of videos for product reviews. And then, a company can designate another set of videos for product demonstrations. In other words, the YouTube video channel is very easy to structure so that companies can attract the viewers that they want to see the content that they designate.

YouTube also provides information creators the ability to link directly back to specific pages on their site. Therefore, once your company has educated customers on a certain issue, a link can be provided to the specific product or service from that video so that the customer can make a direct association.

Concluding Thoughts:

All information based promotions take time and effort. In addition to this, the strategy has a longer cycle than just presenting sales information for immediate reaction. With information based promotions, a company is basically trying to get customers and prospects to sign up for their opt-in e-mail list. The thought is that if someone can be attracted into this part of the marketing funnel, that the company can then market to them until they become paying customers.

This education-based effort is to become a trusted advisor to the prospect or customer. When the effort is working as well as it should, individuals will tune into the content because they find it helpful.

This is one of the closest things that a company can do on a small level toward branding as anything else. It has the same effect as a traditional commercial; however, the delivery of information cements their position as an expert in the mind of the viewers.

Companies should start small and deliver content on a regular basis. This likely means that companies should choose one of the delivery platforms and begin to deliver content on a regular basis. The key to leveraging the system is to be consistent. Companies that are consistent in delivering good and helpful content will eventually began to draw an audience or following. It is this following that will be easily convinced to sign up for an opt in list.

However, all mediums (webinars, video, documents, podcasting) offer something different to the customer base. Determine which of the mediums your customer would most likely find the most benefit in attending, and began to use that medium. Ultimately, the key is not level of interest, or even listeners/viewers. The determining factor as to which of the methods to use will be percentage of conversions coming from the content delivery method.


FREE TRAINING:"How to Earn a 6-Figure Side-Income Online". Click here

Powerful Reasons Why You're Crazy NOT To Start A... Home Based Business In 2019, 2020 and Beyond

Home Based Business's are spreading across North America and have become widely recognized as one of the most desirable business's to start for several reasons. Just think for a minute what it would be like to work from home and never have to worry about waiting in grid lock traffic or to answer to your boss's demands.

Wouldn't that be great?

In today's fast paced world a little extra income doesn't hurt in order for the average guy or gal to get ahead in life so they can enjoy the little extra's life has to offer that there current job doesn't allow them to do. I know from experience because that's what made me take the necessary action steps required in order for me to enjoy the quality of life I wanted to live and provide for my family.

But, the problem that usually occurs is people need to be motivated by something or inspired in order to take action.

Well, the purpose of this website is to do exactly that, inspire you.

I'm going to cover with you the 10 main reasons why You should consider starting your own 'Home Based Business' and the benefits behind each of them. I guarantee once you read through them you'll agree that a 'Home Based Business' might be worth considering.

With that said, let's go to reason #1.

Reason #1. Be your own Boss.

Ever dream of being your own Boss?


Well starting a 'Home Based Business' is a step in the right direction and the best part is, you'll never have to answer to anyone else's orders, just your own.

Reason #2. Work when you want to.

This is probably one of the best reasons I started my own online bookstore 'Home Based Business' simply because you get to set your own schedule for what hours You want to work.

This is especially beneficial for stay at home moms who have children to tend to and need some flexibility in there work schedules.

Reason #3. Freedom to do what you want when you want.

How's that for a reason to get started. By being your own boss and being able to schedule your own work hours you NOW have the freedom to do what you want when you want to with whom you want at anytime.

It's a great feeling to be in control of your own life and do what you want when you want.

Reason #4. No more worrying about job security.

By having you own 'Home Based Business' you never have to worry about receiving a pink slip from your boss or a "SORRY", but the company has to cut back on its employee's and You happen to be one of the one's who has to go.

Reason #5. It doesn't interfere with your current "J.O.B.".

That's right, you don't have to quit your current J.O.B. in order to get started. You can start on a part-time basis until your able to replace your current income with the income you generate from your business.
Remember, you get to set your own hours for when you want to work your business.
Reason #6. It will make you a more confident person.
By setting out and starting your own business it'll make you a more confident person because it takes alot of confidence to start something you have no idea what the outcome might be and the risks involved, whether there financial or personal.
Reason #7. It builds a sense of pride.
Wouldn't it be great to be able to tell your friends and family or just somebody you meet that you're an entrepreneur and you run and operate your own successful 'Home Based Business'.
Pride also works as a motivator because the more successful you get the harder you'll want to work in order to achieve the goals you have set for your business.
Reason #8. It's all for the MONEY.
Making MONEY is a pretty obvious reason for starting a 'Home Based Business' because Why would you otherwise start a business if you weren't planning on making any MONEY.
It also builds a sense of security for your way of life and the things you enjoy doing because the facts are... nothing is for FREE. Everything has a price.
Reason #9. You get great Tax benefits.
You heard right, you get Tax benefits with running your own 'Home Based Business' because now you're entitled to home business tax deductions.
This is a category in it's own and getting a good CPA who has experience with home based business tax returns will be essential in order for you to maximize your return for the year.
Reason #10. Wouldn't it be great to retire early.
If your business turns out to be a SUCCESS and you invest and put your money to work for you, wouldn't it be great to retire early and do the things you've always dreamed of doing, but never had the time or money to do so.
There you have it, "POWERFUL Reasons Why You're Crazy NOT To Start A... Home Based Business In 2019".
Now, if those 10 reasons don't get you excited about starting a 'Home Based Business' then I have failed to inspire you.


If you need to read through them again, do so now.

These are the very reasons I constipated before starting my online bookstore home based business and in my mind are the most common.

Write down for yourself why You would want to start a 'Home Based Business', I bet you'll come up with several of the reasons I've listed above.

With that said, there's one more thing I want to mention and that is if you are seriously thinking about starting a 'Home Based Business', whether it be online or offline, make sure you put together a 'Step-By-Step' business plan on the actions you must take and make sure you start a business you enjoy doing.



FREE TRAINING:"How to Earn a 6-Figure Side-Income Online". Click here now!

Make The Money You Need With Candle Fundraisers

If you’re thinking of a fundraiser what could be better than candle fundraisers? This product is as popular as cookies and cakes - maybe more so. Selling candles will make a very successful fundraiser for your cause. Candle fundraisers are welcomed by everyone and are very popular. Depending on the foundation having the fund raiser for or how many supporters you have to work with you, it can bring a generous amount of money for your cause.

If you are working towards a church fundraiser then you will likely have all the help you need form the congregation where you can get your candles very easily by asking each member to make their own candles. Candles are not that hard to make and can be scented and decorated to suit the time of the year. This will prove to be a very profitable way to have a candle fund raiser as your cost will be very little. If you have your candle fundraisers near a holiday, then use that theme of the holiday to decorate your candles. Make sure that each person understands what they are expected to do and how many you will need them to make.

There is another way you can have candle fundraisers and that is by ordering them from a company that does just this, provides candles for fund raiser. They have a set price and you can make your own decision on what you charge for each candle, but this is also an excellent way to have a fund raiser. These candles burn nicely. Some of them are not made with paraffin but made with soy. This allows them to burn cleaner.

You will find that these candles come in two sizes and with a wide variety of scents. You can contact these companies on the Internet where you’ll find a wide array of candles for your fund raiser. The reasons for the candle fundraisers will give you a good idea of how many you need. If you are having candle light service for a certain cause, you will find you need many of these candles. If you are having a sale of candles at a candle fund raiser, then the amount you need might be somewhat less.

Whatever candle fund raiser you decide on, it is sure to be a hit. Everyone loves candles -most especially the scented ones. Candle fundraisers are a sure winner when it comes to fundraisers and will make your fund raiser a very big success that will provide many donations.

Selling candles can be surprisingly effective, if done well.

FREE TRAINING:"How to Earn a 6-Figure Side-Income Online". Click here now!

Effective Ways Of Getting the Best Rates for Your Credit Cards

How many times a day do you receive offers through email or phone for free credit cards with money back schemes, low introductory rates and other perks of credit cards? All banks and financial institutions vie for maximum customers by pouring umpteen perks to tempt you, the customer, in one way or the other.

Remember that a credit card is just a form of borrowing money that has to be paid later. However, it is better to choose a credit card with good rates to avoid ending up paying too much interest to the banks. Make it a point to compare credit card terms and fees before opening a credit or charge card account. Once you find the credit card that has an interest rate that best fits your needs and budget, you can then open an account with that bank.

The annual percentage rate is the measure of the cost of credit the bank offers and is expressed as a yearly rate. Make sure you are aware of this rate before accepting a credit card as some credit card plans have interest rates that change when other economic indicators change. This plan is called a variable rate program. In such a case, when you first get the credit card, you may be offered 5% interest, but in case of index changes, the interest rate may go up to 8%. This means you will later have to pay more interest with the increased interest rate! So confirm if the credit card offers a variable rate program or 'fixed rate' program where there is no change in the annual percentage rate, even when economic indicators change.

It is beneficial for you if the credit card you have has a 'grace period'. This is the period where you can avoid finance charges by paying your balance before due date. This is because with a free period, you will be sent your bill at least 14 days before the due date, thus giving you enough time to pay. Check if the credit card charges annual membership or participation fees or any other costs like transaction fees. It is better to choose the credit card company offering the least 'extra costs'! This is because the more extra costs there are, the more money you have to pay the company!

When applying for a credit card, it is better to first consider if the credit limit is up to your requirements. Then only is it beneficial for you to apply for the credit card. To get the best rate for your credit card, make sure you understand all terms and condition of the card before accepting it. This is to avoid any future misunderstandings and misconceptions with the credit card company.

Of course, the main point that is taken into consideration to get the best rate for your credit card is your credit score. The better the credit score you have, the better will be the rates the credit card company offers you! This is the reason it is always advisable to have, and maintain a good credit score!

FREE TRAINING:"How to Earn a 6-Figure Side-Income Online". Click here now!

Earn While You Shop: Find the Right Reward Program for You

Point-based reward programs are proliferating. You can earn enough miles to fly to Paris just by using your credit card or you can accumulate points that can be spent like cash merely by shopping at your favorite stores. But with so many options available, how do you know you're getting the biggest bang for your buck?

The following tips will help ensure that you pick the right program for your needs.

* Know your lifestyle. Choose a reward program that fits your priorities and lifestyle. If you travel a lot, try frontier miles travel reward programs like https://www.flyfrontier.com

Similarly, if you like outdoor activities, look for a credit card like the Cabela's Club Visa, found at www.cabelas.com. You can earn points, in the store and online, that can be redeemed for all types of hunting, fishing and camping gear.

* Reap your rewards. Select a reward program that doesn't add an expiration date to your hard-earned points. If it does, make sure you know the date and use the points before you lose them.

* Look for flexible rewards. Avoid choosing reward programs that tie you into redeeming points only at specific vendors. Look for more flexible options like FreeStyle Rewards, found online at www.freestylerewards.com. It lets you build points by shopping online at more than 175 participating merchants. You redeem your points for a debit card that can be used anywhere MasterCard is accepted, online or offline.

* Click 'n' save. Select online shopping reward programs that provide gateway access to your most frequently visited stores. You'll find everything you need, save money while you shop and build points as you go.

* Share the wealth. How would you like to make point donations to family, friends or charities? Select a reward program that allows you to do so.

* Compare. Just like you would compare merchandise prices, compare point-based reward programs by considering what's important to you and determining which ones will fit your needs.

FREE TRAINING:"How to Earn a 6-Figure Side-Income Online". Click here now!

Earn Extra Cash By Taking Part In Surveys

I have just heard about another way of making a little bit of extra money. This is by taking part in different surveys for a range of companies who are looking to find out more about their customers or potential customers. You may think just like I did that this would hardly be worth your time or effort, however you may be surprised when you realize how much these companies are willing to pay.

A few days ago a friend of my daughters came round to our house to play. They are both twelve years of age and have known each other since primary school. This friend also stopped at our house for her evening meal and while at the dining table, eating her food, she started up quite an interesting conversation. She asked my daughter if she would be interested in joining her to take part in a survey which would be about the subject of children's banking.

I started to ask this girl, who is called Rose, what would be involved. Rose replied that a lady would be going round to her house on Saturday morning and would be asking her a series of questions about banking, for example who she banks with and how much money she attempts to save as a twelve year old. She continued that the meeting would last around an hour and a half for which she would be paid $20. If she then also kept a form of diary for a week, she would then receive another $10.

My daughter suddenly became very interested and asked me whether she would be able to go as well, I told her that she could.

Rose then told our family that she regularly took part in these surveys and had been introduced to the idea by a friend of her mothers. She stated that on average she made around $100 a month from taking part and completing these surveys, not bad for a twelve year old. I joked by asking her whether I could also go around on the Saturday. Emma replied that this survey was only aimed at school children but that her parents also regularly took part in other surveys and that she would let me know when the next one was going to take place.

The Saturday arrived and I took step-daughter to Rose's house. I started talking to her parents while I waited for the meeting to finish. Her parents then told me about their own experiences of completing different surveys and stated that even though it is not a massive amount of money that it is a lot for what you have to do. They also said that it helped them to pay a number of bills each month.

My daughter really enjoyed the meeting and came out kissing her $20. It beats washing your car, she said to me with a huge grin on her face.


FREE TRAINING:"How to Earn a 6-Figure Side-Income Online". Click here now!


Check Your Bank Statements Every Month, If You Don't You May Be Losing Money In Unexpected Ways

Awhile back I got the dreaded letter from the bank saying you are overdrawn. I couldn't believe it, I wondered what the heck did I do?

Then I opened it up and I was overdrawn by over a thousand dollars and I was real concerned.

I called the bank and they told me the $3000 dollar check that I had written was insufficient. Well I did not write a check for that amount but they assured me I did and told me where to.

I couldn't believe I could do something so foolish but I called the company that I had written the check to and they said yep, that was what I wrote it for, and I was overpaid on my account.

Then we had to start the process of me getting the money back that I had overpaid, in the meantime I needed to do a quick transfer or I would have more insufficient checks.

After I got the check covered and started the return process of getting my money back I got to thinking I couldn't have done anything that dumb.

So I called the bank and asked them if they were sure I had wrote it for that amount and she assured me they check those kinds of things, I still didn't believe her so I went down there and said I wanted a copy of the check.

Low and behold I HADN'T been stupid and wrote a 300 dollar check for 3000. The company I wrote it to had encoded it wrong and the bank didn't catch it.

So after apologies from the bank and their assurance they would fix things right up for me I called the other company back and asked them if they were sure I had made the mistake. She also assured me they always check these kinds of things. Then I said then how come I am holding the check and it is obviously written for only 300.00. She didn't have much to say then and they assured me they would fix things right up.

In talking to her she said she just assumed the fault was mine because even if they had made the mistake one of our banks would have caught it, yeah right.

So while most of you would notice a 2700 difference like I sure did, we may not notice those pennies and nickels if we don't check every month.

Because the only one looking after your account carefully will be you!!

FREE TRAINING:"How to Earn a 6-Figure Side-Income Online". Click here now!

Changing You Spending Habits

It is every one dream being a millionaire and retiring with a healthy bank account, but how many people can actually achieve it? So few. This is largely due to lack of discipline in building up their retirement fund and poor spending habits. While building a retirement fund requires time, you can accelerate the process by making incremental but positive changes in your spending habits. Here are seven ways that you can change your daily lifestyle for more positive results in your spending habits:

1. Have you ever noticed how much time you spend sitting in front of the television? The longer you sit, the worse it is for your blood circulation. Besides, the time you free up can be used for more useful tasks such as teaching your kids or learning a new skill.

2. If you are an avid reader, use the public library whenever possible. There is no need to buy the latest books from bookstores like Borders unless it is in a category that does not fit into a public library. The public library will usually acquire popular titles after some times. Learn to be patient.

3. If you are a smoker, start reducing the number of cigarettes you smoke each day. Over time, you may be able to quit smoking completely. Besides saving money by not buying any more cigarettes, your health will also improve and this means a huge saving in your medical bills.

4. Use a bicycle if the destination is within 30 minutes by car. This helps promote blood circulation in your body and also reduces environmental pollution. You can also save on gasoline and parking fees.

5. Dine at home more frequently. You can experiment with different recipes and save some money at the same time. In addition, you are honing your cooking skills and this could be very useful for the home dining experience.

6. Bring your own coffee to office. Many people like to drop by a Starbucks or similar coffee outlet and end up spending a few dollars or more on a cup of coffee. You can potentially save many dollars each week just by making your own coffee at home and bringing it to your work place in a Thermos. Besides, who knows, it may taste better than the coffee from Starbucks! If you really cannot live without Starbucks coffee, consider getting a Starbucks rebate card. You can use the rebates to redeem free Starbucks coffee after you have accumulated enough points.

7. Do more walking than driving. If you can reach your destination within ten minutes by car, consider leaving the car behind and walk instead. You will save money on gasoline and parking fees. This can easily add up to a few thousand dollars a year.
These seven ways are a good start for changing unhealthy spending habits. However, you should continue to research and incorporate more healthy habits that contribute to the building of your retirement fund. By re-investing the money saved from using these tips, you will be many steps ahead of your peers and closer to your retirement goals.

FREE TRAINING:"How to Earn a 6-Figure Side-Income Online". Click here now!

Bad Credit Payday Loans – Get Timely Money Without Enquiries

You are a salaried person, and have some problems regarding making payments, mentioned against your name. Certainly taking out a new loan in such a circumstance will be difficult. However, you can take resort in especially carved out Bad Credit Payday Loans , if you need money for urgency. However, these costly loans may become a burden as well, if taken without a careful though.

Bad credit history of making late payments, defaults, arrears and CCJs, usually, does not come in the way of borrowing money under payday loans. This is because these loans are approved without any credit checks. The loan amount is deposited within 24 hours in the borrower’s bank checking account.

These loans are made available to those people, who are in a job for at least past six months and draw a monthly salary. The borrowers are required to repay the loan from next salary cheque. The loan approval comes for two weeks only.

Depending on your monthly salary, you can borrow 100 to 1500. if you can not repay the loan at the time of next salary, then you can rollover the loan for a month as well.

However, before applying for these loans, note that interest rate goes so high that the loan may become a huge burden on the salaried people. Because of very short-term, typical interest rate may go up to 30 percent. Hence, opt for these loans only when you have to combat urgency.

Instead of rushing to the first lender you find, make an extensive comparison of as many such lenders on internet. You may find that some of the lenders are providing bad credit payday loans at comparatively lower rate of interest. Make sure that you keep enough money in your bank at the time of repaying the loan. Timely repayment will also enable you to improve your rating substantially in short period.

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Avoid Financial Disaster with Good Planning

It's tough to get by financially in today's fast-paced life. With mortgages, car notes and massive amounts of credit card debt, most people struggle to get by from month to month. With most people doing what they can just to pay their bills, few people are prepared for the unlikely event of a financial disaster. They come in many forms; a storm like Hurricane Katrina, a loss of job, or a sudden illness can break anyone who isn't prepared for an unexpected interruption in their financial life. But it isn't all that difficult to make preparations that will help you in times of a money crisis. All it takes is a bit of planning ahead of time.

Here are a few things that will help you be prepared for the unexpected:

Get an ATM/Debit card - You may not regularly use cash or have a need for a debit card, but there are some circumstances where it may be necessary. People from New Orleans who were temporarily displaced by Hurricane Katrina would have benefited from having access to cash even while away from home. If you don't use one regularly, get one anyway and keep it in a safe place.

Sign up for direct deposit - With direct deposit, you will know that your paycheck will be in your bank account even if you cannot, for whatever reason, physically get to your bank. This will help you in the event of illness or natural disaster that may have your local bank temporarily closed.

Sign up for online bill paying - You can pay bills even if you aren't at home via the Internet. You don't have to use the service, but it may come in handy at a time when you least expect it.

Save some emergency cash - Financial experts recommend that you save at least three months' worth of financial expenses. That's difficult, but every little bit can help. Try to cut back on a few unnecessary items, such as that tall latte you buy every day. It adds up, and you never know when you may need to access that emergency cash.

Set up a home equity line of credit - Unlike a home equity loan, which provides you with a lump sum of cash right away, a home equity line of credit provides you with cash that you can use a little at a time, and only when you need it. If you don't actually take any money out, you don't have monthly payments. But if an emergency strikes, you'll have cash available. This can be particularly helpful if you find yourself out of work for a short period of time. Your bank won't lend you money when you are out of work, so plan ahead of time and the money will be ready when you are.

A little bit of planning can go a long way when a financial emergency strikes. If you plan for it now, you will have fewer worries later.

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