Ten Practical Tips That Save Money

Saving money is not as hard as it seems. Here are ten practical tips that you can do to begin saving money, without changing your lifestyle.

1. Replace incandescent bulbs with compact fluorescent (CFL) bulbs. CFL bulbs consume 80% less energy than incandescent bulbs, but give the same illumination. Make sure to buy only lamps and bulbs that have the Energy Star rating to ensure quality compliance.

2. Make a list when going to the grocery and stick to it! Anything that is not on the list is not a “need”, but merely a “want” so avoid busting your pockets for unnecessary items. Buy non-perishable consumables in bulk to benefit from bulk discounts.

3. Use coupons when available. Take the time and have the patience to clip and organize grocery coupons. When added together, savings from using all coupons in one grocery trip can be as much as $20-$30. Purchase dining and shopping coupons online and print them at home. Doing so can save you at least 50% on the face value of the coupons.

4. Buy online, whenever possible. Online stores pass their savings from rental costs and warehousing to the online consumer, thus they can afford as much as 70% off their rack price. When buying items online, Google it first together with the word, “discount code”. This can give you further reductions on the item you want to purchase. Try also online bidding: they offer at least 75% off the original purchase price, for practically new (slightly used!) items.

5. Take lunch to work. Buy potato chips and soda from the grocery and make a homemade sandwich and pack them in a brown bag.

6. Eat homemade dinners as often as possible. Plan menus that are practical and easy-to-cook to encourage eating at home. Save money by dining out only on special occasions.

7. Use everyday pantry items for skin and body care. Cucumbers, honey, milk, lemon, salt and baking soda are some items in your home that can also be used to take care of your skin.

8. Avoid shopping to de-stress. Try walking around the park or watching a movie instead.

9. Bring your own sodas and snacks when watching a movie. The cost of sodas and snacks are at least 25% higher in movie houses. Plus, homemade popcorn tastes much better: you can put on all the salt and butter you want!

10. Pay off your credit card balances each month and avoid finance charges. Better yet, use cash as much as possible, unless using plastic will give you a better deal (0% interest on appliance purchases, or cash rebates).

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Making Money with Articles: Letting Others Use Your Articles

Let others use your articles, along with your byline which will tell visitors who wrote it and how they can contact you, on their website. This will help to promote your own website and bring you in traffic through the search engine optimization and promotional efforts of others. For you this means absolutely free marketing just for writing a quick article about a subject that you are already familiar with. The more people who use your article as content as their website, the more potential traffic you will receive. These webmasters will probably be using SEO techniques, banner exchanges, and possibly even a Pay-Per-Click campaign to get visitors to their affiliate site. These are advertising methods that either take a lot of time or a lot of money and they will be absolutely free for you just because you placed your articles where others could use them. There are many places on the Internet that offer to post your article so that others may view and/or use it. My advice is to place your articles on every single one of these sites so that you can reach as many webmasters as possible.

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Hillary Clinton’s Presidential Campaign

Who knew that the 2008 election would have the Democrats swinging two mighty powerful punches in such a short time frame? As a woman poised to run for the ascending Democrats, Hillary stands a chance of actually winning. Is that the scary part, or is the scary part that she is running against the first black man to actually stand a chance of winning? Clinton has hit the campaign trail hot and heavy working on building up her bank account for primary expenses and is busily planning her campaign.

People are left to wonder is Hillary Rodham Clinton going to be the first female president of the United States? She has already lived in the White House before, and is fairly familiar with the job, but is the sting of having two members of the Bush family so close together going to be a bit too much for voters to tolerate with the Clinton family? As a freshman, Senator Clinton made a very powerful impression and has performed particularly well for the state of New York. Will Hillary be able to maintain this momentum through the election? Moreover, will she garner enough support from within her own party to take the victory she so truly desires?

How well she can really perform as a President is the bigger question, and one which surely only time could answer. While being a Senator and the President are both high profile jobs, is the nation ready to open their hearts, and minds, to a female President? The country being led by a woman could be a huge step forward in women’s rights, yet that is a gigantic step that this country may not be quite ready for. With women pulling more jobs of power each year, females are rising to the top of their game, proving they are just as capable and competent as their male counterparts.

Stop and think, while the nation is poised to see a female running for President, how many other candidates names truly come to mind? Very few, for the typical American. Hillary is a household name, who made a name for herself after stepping up to the plate to be a very involved First Lady who held her head high even with her personal life in chaos. Many Americans understand and appreciate how well she managed to pull herself together and still set a stellar example for this country. Her composure and rational approach has won her the utmost respect nationwide, which will undoubtedly contribute towards her performance next time around.

From the women previously in the White House, Hillary is truly one of the more rememorable. Barbara Bush and Hillary both made a point of going out into the public, while the current Mrs. Bush, Laura tends to hide more from the public eye. The number of times Laura has been out in public is minimal compared to the two former First Ladies who have graced the White House.

If we stop and look, America tends to be a much happier country when the First Lady is actively involved and makes herself well known. Both politically and economically, the presence of a solid First Lady has a very positive impact on American society. Consider as well, Hillary is the first First Lady of the United States who has run for a public office and been elected. Consider this a major feat for the women of the country, add to that the fact that Mrs. Clinton has managed to be the first female Senator to be elected in New York and you have a very busy woman who loves the spotlight.

Should America be running scared, or standing tall as the events unfold? Only time can tell for sure, but when dealing with the first Former First Lady to make a political name for herself, it is sure to be a very interesting election.

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Patience: The Virtue That Saves

Patience is a virtue. It takes some character to exhibit such levels of moral excellence, but did you know that by doing so, you could save money at the same time? Read on to find out how you can economize by emanating the virtue of patience.

Have the patience to walk instead of drive. It saves you gas, parking and the stresses of driving. Walking improves your health and well being while saving gas money.

Be patient: compare before you buy. From personal clothing to health club memberships, from plumbing services to insurance plans, from car accessories to a new home; compare the offers of 3 to 5 suppliers or service providers before finally settling with one. Let them know that you are taking the time to search the market and they may just be able to offer you the best savings. Truly, the patient consumer is a winner!

Use coupons as much as possible. Be patient in cutting them out and going through them before making any purchase. Pack them together with your grocery bag or in the car so you can use the discount voucher at every opportunity. One can save $20 – $50, just by using the coupons.

Track your expenses. Have the patience to keep your receipts and record all your expenses, no matter how small or frequently they occur. By doing so, you are made aware of where every single penny goes. Furthermore, you will know when you have spent too much on clothing, when in fact you still need to settle your credit card balance, or pay the mortgage. You will have a better hold of your financial health, by patiently tracking your finances.

Hold-off and sleep on it! If you are about to purchase a $100 item, hold off the purchase until you’ve given it much thought, say sleeping on it for 1-2 nights. If after such time, you decide that you absolutely need and can afford the purchase, then go ahead. Nevertheless, you’ll be surprised at how much you can save by just sleeping and thinking things over.

Devote money in long-term investment. Understand that when you take up long-term investment, you do not need the money for now, and it is not considered as part of your daily finances. However, such money when set-aside will reap great rewards in the future.

Exude moral excellence by patiently saving for years to come, starting today!

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Making Money with Articles: Learn to Use Search Engine Optimization Techniques

Learn to use search engine optimization techniques when writing your articles. If hiring a writer to write articles for you, you can choose one who already knows about SEO or you can supply them with a list of keywords and let them know where they should be placed and how many times they should be repeated throughout the article. Optimizing your articles for search engines will help them rank higher when someone searches for a keyword relating to your subject, which means that you will receive more visitors because more people will actually see your URL. It is a fact that most visitors don’t look past the first search engine result page and by the third search engine results page there is practically no audience left for you to promote to. What this means for those on the third or high page is no traffic. This is why it is very important for you to make sure that your articles are prepared in a way that will eventually get them to that first or second search engine results page.

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Word Of Mouth Marketing Stemming From Email Marketing

Sometimes the benefits of email marketing are quite different than anticipated. Most Internet marketers understand the basic concept of email marketing which is to email promotional materials to a large group of Internet users to promote an interest in your products or services. This concept is easy for many to understand but sometimes there are added benefits to email marketing. This article will discuss the basics of email marketing and will also explain how sometimes email marketing can be much further reaching than planned. This additional reach can be either a positive or a negative depending on the quality of the original emails and the reactions of the original recipients.

Email marketing is a very simple concept which is also extremely cost effective. The general idea behind email marketing is that an email is sent to an email distribution list and these emails are intended to create an interest in the products or services offered by the originator of the email. In theory this concept could not be simpler but email marketing can get significantly more complicated. One of the biggest complicating factors is the potential for the emails used in the marketing campaign to be viewed as spam by either the recipient of the email or the spam filter provided by the Internet service provider. This potential alone creates a major complication because Internet marketers have to make a significant effort to assure their messages are not trapped by a spam filter or immediately deleted by the recipients for appearing to be spam.

Once the email messages get through to the recipient, they have a small window of opportunity to make a positive impression on the recipients and influence him to make a purchase or at least visit the business owner’s website. Providing quality content, keeping advertising subtle and at a minimum and providing a clear call to action are all factors which can help to get the message across and entice the potential customer to make a purchase or at least visit the website to research the products and services a little bit more.

As previously stated the goal of an email marketing campaign is to convince the email recipient to either make a purchase or visit the website to obtain more information. When an email recipient performs either one of these actions, it is considered a huge success. However, thanks to the power of the forward button email marketing can actually be much more successful than even the business owner intended.

The great aspect of email marketing is that when the email recipients receive an email which they think is worthwhile they are likely to make a purchase and may also forward the information onto a friend or family member they think might be interested in this information as well. The ability to forward email messages has become comparable satisfied customers using word of mouth to tout the quality of the products or services they received. However, the ability to forward a worthwhile email message is exponentially more effective than using word of mouth to spread the word. With just a few clicks of the mouse, the original email recipient can forward the message to several of his friends at once. This can result in significantly better results than the business owner had originally intended with no additional effort on behalf of the business owners.

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Money Savings on Food

Thinking of cutting down your expenses on food? Then you should read the following tips. They will surely help you on reducing your food expenses. They are by no means comprehensive but they will be very useful.

For coffee drinkers

It is a good idea to re-use the grounded coffee once. Using coffee grounds two times or more will not greatly affect the taste of the coffee. It is highly encouraged to do this using a filter that is permanent and avoid the paper variety. Keep the grounds refrigerated until using it the following day.

For bread lovers

Grocery stores sell bread that was made the day before at a much lower price. There is nothing wrong with eating bread that was made the day before since it still is good to eat. If you have a lot of space in your refrigerator, store a lot for bigger savings. If you will eat the bread, you can defrost it using your microwave oven. Re-heat it every 30 seconds to prevent the edges of the bread from getting too hard.

When buying from the grocery

Before going to the grocery, you should have already made a list of all the things that you really need. Prioritize basic goods and avoid buying things that you do not really need. Observe the prices indicated on the displays. Remember, branded products cost considerably more than store brands. It is also a good idea to keep the receipt of your previous trip to the grocery and make it as a basis for your purchases on your next trip. To have higher savings, buy more of the product. You can always store it in your refrigerator or in the house to minimize your trips to the grocery store.

When eating outside

If you are going to eat in a pricey restaurant, the best time for you to go there would be during lunch. Food during lunch usually costs less and this will be to your advantage. When staying at the hotel on your trips, it is a good idea to check if they also include breakfast in your total room charge. You should also find out where the locals eat. Chances are, they will eat where the food is great and the price is even better. When going around, carry with you some snacks. A chocolate bar, chips, and cookies will go a long way while strolling around.

Eating cheaply does not necessarily mean eating bad food. Look around and you will be suprised at the options you can choose from. Take time and consider your choices so that you will not only eat a lot but save some money also.

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Criminalizing Attempted Crimes

The criminal law is designed with a view to protecting the individual rights of the citizen and the health and well being of society as a cohesive unit. In this regard, it is responsible for setting the parameters of social conduct, and for ensuring consistent application of principle and doctrine across the board. One of the most controversial areas of the criminal law is undoubtedly its role in penalising criminal attempts. When one attempts criminal behaviour but does not complete it, should that person still be liable as a matter of public policy? What if a prospective criminal stops a second from shooting their victim, deciding not to follow through their criminal intent? Furthermore, should a criminal be penalised for trying to commit a crime that is factually impossible? In this article, we will consider each of these arguments and look at possible ways in which they could be more effective treated.

Criminal law usually concerns itself with punishing those who have committed wrongs against the person or against society, and this is generally very effective in ensuring a sense of lawful community and deterring the bulk of criminals in their actions. However, one of the most pertinent questions most legal systems face is when, if at all, to intervene in perfectly legal behaviour in aid to stop a crime from happening? Consider the example of a gunman looking to murder a close friend. He buys a firearm. Is he arrested at this point for attempted murder? He goes to a hill near his friend’s house with the gun. Here? He takes aim and begins to squeeze the trigger? How about now? It is very tough to interpret the most advantageous point to intervene in potentially criminal behaviour. On one hand there is the threat of encroaching on civil liberties, whilst on the other there is an obvious threat to life and life, as well as property. Drawing the line has been particularly hard in recent times, and has caused government draftsmen a number of headaches in interpreting what the law should be.

Consider next the scenario of the thief stealing from an empty pocket. Mentally and physically he has committed sufficient acts to be convicted of the crime, but simply because there was no wallet to be stolen, should he walk free? Because there was no wallet, he could never be convicted of theft, but should he be liable in attempt? The answer in most jurisdictions is yes, but again this presents further complications. Say for example, you have a would-be drug dealer who buys a quantity of paracetamol. He sells these in the mistaken belief they are illegal – he could never be convicted of supplying controlled drugs, but could he be convicted on the grounds of his attempts? Most jurisdictions again say yes, with the rationale that dangerous people should be stopped in their tracks. Although a fair point, this kind of argument does not sit well in a modern context, particularly where civil liberties and human rights play such a big role in law internationally.

Additionally, the concept of abandonment is somewhat of a mixed bag, with some countries swinging one way and others another. Should the accused be allowed to drop his gun at the last minute and decide not to kill on this occasion? Alternatively, is the fact that he considered and made steps towards perpetrating a serious crime sufficient to attract liability and attribute blame? Courts across the world are intensely divided over this issue, even internally, given its particular conundrum in context. What is certain is that the criminal law may feel obliged to intervene in certain circumstances to prevent harm to their citizen, which would surely be a significant consideration in mitigation for wrongful arrest.

The concept of the law of attempts is highly interesting, and of particular note is the specific treatment across the world of both abandonment and illegality. Perhaps in an era of greater harmonisation, we will see more international authority on the application of these principles.

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Making Money with Articles: How to Choose a Web Designer

There are two important things to remember when looking for a web designer:

First, it is important to go with a freelancer if you are looking for a small and simple site. You can probably get one done for $30 to $50. There are many freelancing companies on the web that you can tap into to find the designer for you.

Second, it is important that you ask to see a few sample sites that the web designer has done and that you check any ratings that may be available for the designer. This may keep you from getting wrapped up in a project with someone who will not finish or cannot do the type of job that they claim they can do.

If you cannot put together your own website to host your articles on and you don’t want to pay the extra $7 to $12 dollars per month that it may cost to get a host that offers a What You See Is What You Get website builder, then your only other option is to hire a web designer. The good thing is that, if you are looking for a very basic 2-5 page site and you hire a freelancer rather than going with a web design company, then it will be relatively easy on your wallet.

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Five Great Ideas to Save Money

Want to save money but don’t know how? Feel like depriving yourself when it comes to saving money? Don’t be disheartened. Try these five money saving ideas, without breaking up a sweat!

Reduce or eliminate magazines. If you are a typical American family, your mailbox gets its regular fill of magazines: business, sports, home and garden magazines. Can you imagine how much each of these subscriptions cost? Annually, it is an average of about $20 per magazine. If your family is subscribed to 5 different magazines, that’s already $100 savings per year! If you still need the information from such mags, try to check out their websites and you’ll be surprised at how much free information is available!

Buy in bulk. How can warehouse and discount clubs drastically lower their prices? Because they buy and sell in bulk. And so should you! Consumables that are non-perishable can be purchased 10-15% cheaper when bought in bulk. Be sure to stock up only on fast-moving items such as kitchen towels, cleaners, canned goods, etc., to avoid wasting money on rancid food.

Eat at home. Eating out has become an American lifestyle. What used to be an activity to celebrate special occasions has become part of the daily, fast-paced life. But did you know that eating out could chomp as much as 40% of your budget for food? That’s as much as $40 weekly, saved just by eating in!

Plan your meals. Eating out 4X a week need not be your solution to a dynamic lifestyle. Menu planning is! Take time on weekends to plan for the following week’s meals. Every night, before you hit the sack, take out the ingredients for the meals of the next day from the freezer, and store them in the refrigerator. By the time you get home from work, everything is thawed and ready to be cooked. And because eating out is part of the American way of life, you would have saved enough money to spend for dining out on special occasions!

Homemade skin care. Is your dermatologist eating up your budget? Don’t you wish you can be beautiful and save money at the same time? The answer is yes, you can! By using ingredients from your pantry, you can take care of your skin and still save a fortune. Try the following:

– Honey and oatmeal can exfoliate dry skin.

– Ginger seeped in a bath softens your skin.

– Cucumber and milk softens tired skin.

Without drastically changing your lifestyle, you have started your path on saving money. Secure your future by using these money saving ideas, today!

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