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Market Volatility

September 29th, 2014 Posted in Business, Finance Tips

stock-market-apps-for-ipad-iphoneOK it looks like we are going to get some volatility in the stock market. I hope everyone has their wish list, a list of stocks, etfs, or other products that you would like to own if only the price was right.

Keep an eye on the market and you just might get your wish with the right price. Don’t forget you can buy with a limit order and you do not have to buy or sell every thing at once. You can get in or out of the market in steps rather then just jumping off the cliff.

Money Clutter

September 24th, 2014 Posted in Business, Finance Tips, Savings Tips

Don’t get bogged down in clutter…..Have a system for keeping track of your spending. Don’t forget to pay bills it will cost you in more ways then you can imagine. Some bills can be automated through your bank, other times you can get reminders sent to you either from your calendar or through e-mail. Sometimes just keeping a list with paper and pencil is best. Do what ever works for you. I use what ever works best for that bill.


If you do have clutter, why not get money for it!  Here’s a Facebook page setup to help you do just that…


Financial padding

September 10th, 2014 Posted in Business, Finance Tips, Money Saving Tips

butterflyanimation-14If you are thinking about a major purchase that will have to be paid off over a few years, be very careful about predicting your future income. As Forest Gump said “life is a box of chocolates you never know what you might get.” Emergencies happen and just when you think it can not get any worse it does. Give yourself a cushion with lots of financial padding.

Save on phone costs

May 20th, 2014 Posted in Business, Finance Tips

changeMoney saving idea! How do you get your phone service? If you are hanging on to a traditional land line for what ever reason here is an idea. Try MagicJack. I have used this service for a number of years. My traditional phone service was costing me approximately $80 per month the MagicJack is approximately $12 per year that is not a typo. If you have internet service all you need to do is purchase a MagicJack device either on line or from a retailer such as Best Buy, Radio Shack or other big box retailer. On line the $49.95 purchase price covers your first 6 months of phone service. All your messages will go to your e-mail address. It is very easy to set up, just plug into your USB port and follow the instructions. Your computer does not have to be on for you to make or receive calls. The savings are great.

Accumulate or spend?

April 23rd, 2014 Posted in Business, Finance Tips

Are you in the accumulation or spending phase of your life? You need to know so that you make the right choices for what you are trying to achieve. If you are accumulating, then you need to pay attention to total return. Total return is your dividends plus stock appreciation minus expenses. You must accumulate before you can spend.


Time to sell?

April 14th, 2014 Posted in Business, Finance Tips

business-time-11291126308C1YWell it is now Monday and the markets are in a slight recovery. Remember that the markets are up 3 out of 4 years. Never panic, sell if you need the money or the company is no longer worthwhile as an investment. Do not throw out the baby with the bath water. If you do sell you then have to decide when is the time to buy.

Live within your means!

April 10th, 2014 Posted in Business, Finance Tips

Remember… it is not how much you have but what you do with what you have. Always save some money no matter how small it will eventually add up through the miracle of compounding. Live below your means.


Money Saving tip

April 7th, 2014 Posted in Business, Finance Tips

Here’s a little money saver I heard on TV this morning. When printing, if you choose the font ‘Garamond’ you will use less ink then typically used with Times Roman or a number of others. Generally ink costs more then the paper. Since most people have done their taxes or are doing them it is a good time to become aware of what you are paying in fees to financial institutions. Really check over the forms you have received and if the fees are higher then you are happy with, try calling the financial institution and getting the fees reduced be specific as to what you want.


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