Saving Money and Your Bills: Tips on How to be Money Wise

I used to love going to the supermarket. But nowadays, I make my trips short and sweet. I have a list and stick to it. My trips to the supermarket made me realize that it’s getting harder and harder to stretch that dollar. With all those bills that you have to pay in a month, you really can’t do anything about it but to save.

I read once that it’s not how much you earn that ensures a comfortable and happy future; but it’s how much you save and keep saved that matters. That is why it is really important to save money especially when it comes to your monthly bills.

Some people do not just realize it but saving on their monthly bills can provide the best money-saving opportunity for them.

Here’s how:

1. Turn off appliances and lights when not in use

The logic is basically simple. Why would you leave something turned on when nobody is going to use it? That’s definitely a bad habit.

Hence, if you really want to cut back some on your electricity bill, always turn off the lights and your appliances when not in use.

2. Use energy-saving lights

Nowadays, saving on your electricity bill is not impossible because you can opt for energy-saving devices such as lights. Using these energy-saving lights such as fluorescent lights consumes lower amounts of energy but can still give the suitable amount of illumination.

3. Always check for the leaks

Water bills can create a mountain load of pile on your monthly dues if you do not check on the things that might cause your water bill to rise higher. You can prevent this by ensuring that every pipe is free from any leaks.

Some people do not just realize that single drops from leaking pipes could mean additional costs on your water bill.

4. Be more tech-savvy

Cut your phone bill to almost half by simply being tech-savvy. That is, opt for the emails and chatting services of the Internet instead of using your phone to call long distance to your relatives and friends.

5. Try to insulate your home

Insulating your home is a definite energy-saver, money-saver scheme. You will never know how much money you can save on your electricity bill when you start to insulate your home.

Indeed, cutting some of your bills can definitely allow you to save more money. You just have to be wise on your home and everything that you have in it.

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Tackling Global Warming

As we move towards the future, technology is developing rapidly to assist in solving our problems. These problems range from simple issues, such as improving the quality of paper products to the advanced such as improving the quality of life and condition of our planet. Global warming is one of the topics that many of our politicians all decide to sit around and talk about, without showing much progress, which is a cause of great frustration for peoples all over the world.

Too often the politicians involved are too caught up with trying to prove their opponent wrong to actually improve the situation. This causes further problems, and compounds the problem. Each time the topic is revisited it causes heated discussions from members of parties who drive large expensive cars, which consume gallons of gas, and release large quantities of smog into the air. No one wants to lead the way, and why should they? Conservative politics pays their bills.

As the future is expanded into new and brighter horizons, there are developing ways of trying to help prevent the destruction of the planet. These methods range from cleaner and gentler chemicals, to even the ideals of “green” power. Car manufacturers are even getting into the swing of helping improve the planet by producing hybrid vehicles that are easier on the environment, use less gas, oil and other toxic chemicals, and have lower emissions rates. All that’s left is a major Western societal change, and a widespread recognition of the problems we are facing to change this situation.

The government is doing a great job of helping encourage manufacturers, by offering tax breaks and other incentives. This is always wonderful to help reduce the emissions rates for vehicles, and slowly the tax incentives are expanding to allow other companies the same discounts and savings for switching to cleaner more energy efficient methods. Is this a good thing? Should the government really be encouraging this behavior? Many say that yes, it should be encouraged and programs that encourage the use of cleaner power, and less environmentally hazardous chemicals should always be rewarded, especially since the cost of such methods and chemicals tend to be more expensive.

Normal taxpayers are not seeing the benefits of trying to go “green” when looking at their own budgets. Many electrical companies are starting to offer “green blocks” of power which can be purchased, however these blocks are purchased in addition to the normal household power consumption, and do not allow discounts on the next months bill in exchange for the purchase. Something seems a bit odd here, major manufacturers are encouraged with tax breaks and incentives to switch to cleaner methods, but millions of households are not.

It seems, a good step in the direction of correcting global warming, would be to create a program to help reward the small things that households could easily do. That would save thousands, if not millions of watts of power each year. This would reduce immensely the amount of power that is needed to be produced, and allow the power companies to help clean up large areas at a time, instead of just a few manufacturing areas which have fallen into disuse.

While it is a wonderful idea to clean up the smog-ridden towns, and reduce the energy uses, so that resources from the ground are not burned continuously in the pursuit of energy. There are smaller things that can be done on a very large scale that would help reduce the amount of damage that is done to the ozone layer each year, and would greatly slow the damage that the human race is causing to our greatest asset, our planet. It’s not the burden of the government, nor is it the burden of the people. We can all make the change, but it needs the collective of humanity to make the difference our planet so dearly needs.

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Extra Money for Your Extra Time

Earning extra money for your future, that is definitely not a bad thing!

However, is it an easy thing? One definitely wants that for a stronger foundations for the future, but how can you manage?

Saving Money

One of the better ways to have a more secured future is to have more than enough money in your bank account, to be more liquid.

Time is Gold

Sometime in a day, you may find yourself with nothing to do. You can either take this time to rest, to sleep, to read a book or any of your favorite pastimes. Basically anything will do just to keep you sane and as long you do not have to spend too much money.

However, instead of looking for activities that will not be too costly to maintain, it is better to pursue things that can even help you earn money. If you have enough free time, consider taking a part-time job. More than saving money, you can even expect more dough into your savings!

Why Should I Get a Part-time Job?

? It can be a source for your extra money for your savings.
? You make good use of your free time.
? For a student, the experience can teach a lot about life and the real world.
? You can meet interesting people.
? There is the possibility of discovering new skills or passions.
? Getting a good part-time job can actually be a start to a more serious endeavor.

Getting a Part-time Job

It will be relatively easy to get a part-time job. You can look up the posters or newspapers. Inquire in different establishments for openings in part-time positions. Ask friends who may recommend you. You can even provide services of your own skills like tutorial, writing or painting.

The job may require from you a few hours of your week. It can be something you do in the afternoons, during the weekends, or during school breaks.

You may feel challenged by exploring this new possibility in your life. You will have to balance your part-time job with what you regularly do. Simply manage your work and time properly. Save time too. Do minor tasks when traveling or waiting. Give no room for distraction, procrastination or cramming.

As long as you keep track of your extra earnings and savings, in the long run, your part-time job will definitely help do wonders to your plans in the future.

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Save Money and Save the World

Saving money is the game now if you really want to bank on a good future for you and your family. This is one definite way to ensure that you make yourself able and ready for whatever big plans you have ahead, be it getting a new house, buying a car, sending a kid to college or even a grand vacation.

There are many ways to save money. It can range from setting aside a portion of your monthly paycheck or avoiding the little temptations for you to spend. Make it your goal.

Start at Your Own Home

Saving money should be part of your way of life to make it most effective. It is best that the effort to save be shared by everyone in the family.

Little Efforts

Do not drive if you really don’t have to. If you can, just take a walk or take the bus. Riding the bike can also be very good for your body. Have a car pool with friends or neighbors. You can also suggest doing errands together like doing the grocery store.

Avoid the little temptations that may come your way. It is naturally fine to reward yourself after a hard work every now and then, but do stay away from splurging. Cut back on your expenses.

Use Less and Save Energy

Electricity – Turn off appliances that are not used. Turn the TV off if the show is not worth it. Close the refrigerator after getting what you need. Use lower wattage bulb for rooms that do not need much lighting. These will definitely add more data to your savings!

Water – Check for any leaks in your pipes. Always make sure that the faucet is not dripping. Avoid long showers. Use a glass when brushing your teeth instead of leaving the faucet on.

Phone – Choose a provider that has savings plans especially for long-distance calls.

Gas – Have your car tuned up so you can save on gas. Get membership benefits also from stations. Fill up the tank when the prices go low. You can also do a research on gas saving cars if you have to purchase a new one. Turn off the air conditioning. If there is no need for that, simply keep the windows open. Enjoy the ride and the cool wind.

You may not realized this before, but your household’s basic utilities can actually be your key to saving more money. This has a two-way benefit. You get to save some dollars for your family. You also contribute in addressing the energy crisis.

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Racial Segregation in Politics

It was not so many years ago that there was a deeply seated notion that black people were incapable of the thoughts needed to handle a political office. Not so many years ago, black people were still considered slaves. Groups such as the Ku Klux Klan or KKK were all the rage in the south, and the segregation issues were widespread across the nation.

While the north has always been more accepting, it has turned that the south, while deeply rooted in the traditions of the past, are starting to notice that black people are truly real human beings. They are capable of thoughts, ideas, and ideals about how to improve the areas in which they live, as far as a white person is similarly capable of these traits. People have shown a sway towards understanding the equality of people as human beings, rather than being blinded by the mere irrelevancy of skin color.

While society overall still has much work to do in regards to racism and segregation of any kind, there have been major strides in the political arena, and this year even sees a black presidential cadidate with a strong chance of success. No longer are black people considered property, no longer are they forced to walk behind the white people in a neighborhood, they are no longer forced to ride on the back of a bus, nor drink from a separate fountain. Black people are treated largely as equal to white people, in what is becoming an increasingly more culturally diverse nation we live in.

It stands to note that many black people today are becoming the heads of major corporations; many black people are now earning salaries the same if not higher than their white counterparts, rising to the top of their game at an equally fast rate. This is a major step in the right direction to reduce racism. Other notable facts include the fact that now; there are black people in offices of power across the country.

Blacks are starting to take their place as politicians, with offices in the Senate, as well as Mayor’s offices around the country. This is a major step forward, and a sure sign that with time the racial differences of the country can be overcome. While a solution to the racial problems of this nation will not be overcome overnight, they are solvable.

The solutions come many times in the form of open minds. There are still sects of such groups as the Ku Klux Klan operating in the deep southern states such as Georgia and Alabama, although they are significantly weaker than was the case 100, 50, or even 20 years ago. These groups and organizations help hold back progress in those areas, but despite their attempts the blacks are making a name for themselves, and proving they are as capable of political jobs as anyone else in the country.

With the improvements that have occurred in the last few years, it is even possible that in this generation we can even look forward to seeing a black presidential candidate. While we have had several candidates attempt at running, none have made it past the primary elections, and onto the November elections. In the future, there will be a presidential election in which there is a black person running on a party ticket. Will that be this year, will it be in the next decade?

Only time will tell, yet we as a society are much more accepting than we have ever been in the past, which can only be a good thing. We are allowing ourselves to be dictated by reasons of good, instead of living by the outdated ideas that skin color determines how effective our nation’s leaders are. We have a long way to go, but progress is evident from the Senators and other political figures coming from more diverse ethnic backgrounds and proving their capabilities alongside other ethnicities.

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Making Money with Articles: Where to Find Affiliates For Your Niche Website

To make money with articles that you place on websites, you will also need a variety of good affiliate links that will help to generate revenue. It is important that you know where to find affiliates and that you choose the best affiliates for you and your niche site.

When you pick an affiliate, it is important that you determine which companies you will profit best from based on the frequency that the product is likely to sell. There are several types of affiliates and some will offer you more money from a sale than others will. Before you get hazy-eyed by dollar signs, however, remember some products are bound to sell more than others. If you sell on product four times a year from a little known company that gives you $100 per sale or sell a well known product 3 times a week at the rate of $10 per sale, then you will make much more money with the $10 per sale product. Often times large well known companies will offer a very small profit per sale because they are established and know that their product is likely to sell well. Small, unknown companies, on the other hand, need all of the promotion they can get. Also, because they are unknown, their products are likely to sell less frequently.

The most important rule when picking affiliates to promote on your site is to pick products that would be of interest to those who would likely visit your niche site. Otherwise you will be promoting a product to a group of people who do not even want nor need it. If your niche site targets parents of young children, then promote baby products. If you niche site targets gardeners, then promote gardening products. If you promote baby products to gardeners, you are almost guaranteed to not make a profit no matter how much money the affiliate company offers for a sale.

Lastly, there are two main ways to find an affiliate company for your niche website. You can sign up with a company that manages the accounts of hundreds of companies, big and small, and apply for the products within these accounts or you can do a web search for companies that would match well with your niche, visit their websites, and see if they advertise an affiliate program.

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Shop and Save

You have long known the credit card. It is said to be your ultimate gear when you go shopping. The plastic can even be a best friend to a happy shopper.

Considering the times nowadays, this plastic seems to be the least practical option out there. It is actually the most convenient tool used for consumption when you are out of cash. It lures you to spend.

Is there anyway for your credit card to be useful for your saving endeavors?

Yes, actually there are ways that the plastic can be helpful. You CAN actually save money with that credit card.

0% Balance Transfers

If your present credit card has high interests, you can transfer your balance to one with a low-interest or no-interest at all. It can offer you a 0% interest for a certain period and then a lower regular rate later on. A 19% interest rate can be transferred to one with 16.1%. The 2.9% difference means a lot, especially in the long run.

Lower Interest Rates

Look for one with the lowest rate among others to further maximize having a credit card. This definitely spells savings. If you do not have a balance yet, it is best to look for a card without annual fees.

Take extra precautions, too, in assuming that the lowest interest rate is the best for you. Factor in your buying habits. You may be attracted to the low rates, but the end result may not be desirable if combined with the annual fees and the like.

Rewards Program

Reward points system and cash back programs are offered now. This can save you money. Maintaining a low balance despite your frequent buys will give you at most 5% off on purchases.

There are even cash rebates up to 5% when you use the credit card at certain gas stations, convenience stores and groceries. This can be automatically applied to your bill, the more you can feel the savings you are making.

Maximizing the Experience

To reap the rewards, you must avoid the drawbacks. A prudent person will definitely look for the best deals and grab it right away but with some caution.

Thus it is necessary that you read the details. Check the fees that may be charged and the penalty rates in case you delay. This may be the downside of the deal offered to you. For example, be careful of cash advance features of credit cards. Some of them can be very expensive. They can come with numerous fees and higher rates.

Be wary! Spending cannot be avoided at times. Just don’t forget your goal, getting a good deal to save.

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Making Money with Articles: What Kind of Experience Do I Need?

When you are trying to make money with articles, the beauty of it is that you don’t really need previous career related experience and that you can learn the ropes as you go. That being said, there are some skills that you will need to teach yourself or pick up along the way to make your sites successful. You can’t go in not knowing anything, not learning anything, and still expect to make a good income (or any income at all).

First, you will need to know how to pick out the correct articles to make your sites successful. There are many types of content, from free content to high dollar content, and each comes with its own advantages and disadvantages (although high dollar content is more likely to give you a successful site in the end).

Second, you will need to know how to choose keywords that can help you get a good amount of traffic, without being too competitive to get on the first or second page. If you choose highly competitive keywords that are used by large, mammoth website, you are likely to never get up to those much needed first two pages.

Third, you will need to know how to optimize your websites for various search engines. Search engine optimization skills will allow you to get high rankings for your chosen niche keywords, which will help to get visitors and make profit.

Fourth, if you opt for a large website that you will focus most of your internet marketing career on, you will also need to know how to market your website to your intended audience through paid banner ads and text links. If you prefer very small 2-5 page niche sites, then promoting all of them this way will not be cost effective and will eat up more profits than it is worth.

If you can capture some of these skills and attack them aggressively during your first few small websites or the first few months of a larger website, then you will eventually become an expert. Since you can learn the ropes first hand on your own, the only thing that you will need to do before you begin your new career is to read up on how to get started (maybe purchase an internet marketing e-book or two) and make sure that you have the funds available to start a small site.

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Prison Reform

Many states are faced with a daunting number of inmates who are incarcerated currently for a variety of crimes. Each state is given the responsibility for ensuring the prisons meet federal guidelines in accordance to housing requirements. There are prisons around the country that are housing more inmates than they have the capacity to handle. Who is looking out for the inmates to ensure they are treated humanely in accordance with the constitution? In this article, we will look at some of the key suggestions put forward for reform of the penal system at federal and state level, in addition to analyzing the arguments for both sides in attempting to reach a conclusion that is fair and just for both the victim and the offender, as well as society.

There are prisons across the nation that are putting 3 and sometimes as many as 4 inmates into cells that were designed to house only 2. This is a serious danger for health reasons, as well as the safety of the inmates. While inmate safety is a concern, it should be a major cause of concern for guard safety. Guards are monitoring more inmates than they can handle, which cause quickly create very dangerous situations. The guards have a job to do, they are unable to do so if they are watching more inmates than they can handle.

States are forced to build more prisons to accommodate the incoming prisoners, which is a wonderful short-term solution. However, longer solutions must be found. With the numbers of inmates in prisons all across the country rising each year, there must be standards put into place to avoid future problems. There are programs, which handle parole, as well as probation, attempting to reintegrate reformed offenders back into society with minimal hassle and fuss, as well as ensuring there is no or as close to no chance of reoffending as is possible.

Probation and parole are two alternatives to incarceration. One the one side of the spectrum, there is probation, which defers prisoners away from the prison system and enables them to serve time by reporting to a probation officer. On the other end of the spectrum, is parole. This program is reserved for those offenders who are no longer considered a danger to society. They are given an early release from the prison system, into society.

While the addition of programs such as parole and probation are great for the ability to add more jobs in the states, they do require some very careful and precise screening in order to ensure that society is safe. Yet, even with these programs in place, the numbers entering the prison system are steadily rising. The prisons are still overcrowded, and guards are still overworked.

Solutions for the long term must be worked out; inmates have a right to be safe, as do the guards in the prisons, whilst the general public at large has a right to know that prisoners are being kept within secure locations for relevant time periods. Each year, with the numbers in prison rising, the problem grows larger. Add to this, that on average 1 prison is issued a closure warning and the problem grows worse.

You may wonder, why some prisons are issued closure warnings, these warnings are issued once a prison has been over capacitated for a certain period of time. The federal government’s solution to this problem is to close the prison, instead of helping the states solve the problem. This is a wonderful example of why prison reform is necessary to help protect the residents of society, and indeed to protect the offenders housed within for the longer term. As we look towards the future, we can hope to start to see some progress in the way of discussions about the problem, but solutions cannot be seen on the horizon, given the immense financial commitment necessary to build more prisons and investigate alternatives.

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