Ways to Make Cents at Home

In the midst of all these skyrocketing prices, come the how’s, ways and means to save money and earn extra.

There are creative but practical ways you can engage in to help the family save and at the same time earn extra. The things that have been sitting in your attic for sometime and those that become all too familiar and useless might mean extra bucks. This way, it saves you space, cleaning materials and containers. This reduces maintenance expenses.

Garage sale at home is a save-and-earn endeavor for starters. Look at the success of flea markets where people can buy almost anything at a lower price but large amount of income for vendors.

How to maximize the potential of flea markets and bargain sales to help you save? Primarily, a flea market is a place where almost all who have something to sell can sell for tremendously lower costs but good quality items. If you have the right tools and enough preparation for a day’s trip to a flea market, then you are ready to go with some handy tips:

1. Ready your tools, maps, measurements and cash:
• easy-to-carry tool kit with screwdrivers, pliers, tape measure, pencil, ropes, set of swatches, paper and plastic bags and boxes;
• floorplan measurements;
• maps, directions and phone numbers;
• bring enough cash and checks for high-priced items;
• dress yourself appropriately for bargain hunting.
2. Early birds usually get the best selections.
3. Keep a critical eye during shopping.
• Be ready to negotiate and haggle on the prices of items.
• Items sold here have greater possibilities, either you can redecorate or repaint them to make it look unique and attractive.

How to make this activity an earning endeavor? After your hands-on training in an established flea market, hope you took note of your observations and ideas; it is time to try out on your own.

Bear in mind five things crucial to garage sale success: location, date and time, variety of goods, organization/presentation, advertisements and prices.

• Spot a strategic location where people can access and drop by easily. Your house is the perfect venue for this. Weekends are the best to schedule your sale.
• During your cleaning session, take note of candidate items for the sale, label them (keep, for repair, must go) and give them a brand new look.
• Organize them well according to prices, use arrangement styles, decide on the tables, baskets and boxes for the items and decorate your venue with fabrics and other helpful materials.
• Lower your prices. The idea here is to dispose of the things but earn from them reasonably.

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Buying A Golden Puppy

We all know that Golden Retrievers are beautiful, obedient, and make great family pets and hunting dogs. Golden’s also make great guide dogs for the blind, narcotic detection dogs, and even tracking dogs for finding missing people. Although there are many other dog breeds out there, Golden Retrievers remain one of the most versatile and most astonishing breeds that you can get.

Before you rush out and buy a Golden Retriever puppy, you should first take the time to learn a bit more about the breed. You can attend dog shows, meet with various owners of Golden Retrievers, and even go to your local kennel club. Most people who own Golden Retrievers are extremely proud of them and will be more than happy to share their enthusiasm with you.

When you buy you’re Golden Retriever puppy, it’s always a great idea to buy from a backyard breeder or local puppy mill. Backyard breeders are normally the best way to get a Golden puppy, as they know and care a lot about the breed in general. Although you can always go to a reputable breeder, backyard breeders aren’t just in it for the money – they actually care about their dogs and want you to get the best Golden possible.

You can also visit the Golden Retriever Club of America and their local member clubs, as they can supply you with a list of breeders in your area. If these breeders don’t have any Golden’s for sale themselves, they will be more than willing to help you find what you’re looking for. This way, you can get a Golden from a very reliable source.

Whatever you do, you should never rush into buying a Golden Retriever. You should always take your time, and have a little bit of patience. When you buy your puppy, you want a healthy puppy who will grow up to be a fine testament of the breed. By taking your time and making a careful decision, you can save yourself a lot of time and money later on down the road.

Golden puppies that are poor quality, are normally produced by breeders who just want to have a litter or breeders who are just looking for the profits and care very little about giving thoughts to looks, quality, or temperament. If you buy a puppy from either of these breeders, you’ll more than likely end up with a puppy who has poor health, poor temperaments, and even disqualifications in breed.

When you get your puppy, you should always think long term. Only buy from a quality breeder, and you shouldn’t have anything to worry about. Always remember that you aren’t just buying a Golden Retriever puppy – you are buying a companion and a friend for life.

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We are Family: Budget Tips for Today’s Familial Ties

If you are in charge of creating the family budget, chances are, you’ve had the unfortunate experience of having a brilliant budget plan that isn’t executed well. This happens to many families and couples, and with a little attitude tweaking, you can solicit the help of your family in making your budget work.

Create a family budget vision. Talk to your spouse and children about whatever budgetary constraints you are facing, or whatever financial goals you intend to set. By being completely honest about the bills and loans you have to pay, or your intention to save a certain amount of money for a family emergency fund (or a college fund, for that matter), you can help your family understand better your collective financial situation. This will allow them to change their perspective on purchases they make, and will help you make sure that whatever money crunching strategies you utilize won’t be counteracted by a subsequent spree by your teen.

Another good technique is to create a list of usual expenditures per member of your family. Together, identify which items you can do away with in order to save up some extra money from your monthly income. By doing this altogether, you are making your family participate better and see the contributions they can make into making your family’s finances better.

Should your child have the habit of continuously asking for money for minor and oftentimes unnecessary purchases, you can let your children learn to manage their own week’s allowance. With their limited money to budget, they will realize the value of money.

Put a cap on the amount of expenditures you make in a week. The best way to do this is set aside a fixed amount of cash that you will spend for a week. By putting this limitation on your spending, you are forced to prioritize spending on the most essential over other things.

Make it easy for your family to save more. How often do you eat out? Most family budgets are blown over because of the frequency of dining out and the accompanying exorbitant expense of that activity. Eating at home will reduce your expenses, not to mention allow for your family to bond over cooking at home. Do you spend on routine purchases like coffee and newspapers? Cut back on the latte and the paper, and put aside the amount you would otherwise spend. Your family’s collective saving will surprise you.

Lastly, don’t be afraid to create a most efficient driving route, as well as grouping together activities into one car trip. This way, you can save a lot on time and even on gasoline and car expenses.

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Breeding Golden Retrievers

For beginners, breeding Golden Retrievers is nearly impossible. Breeding can be very complicated, although it can be easy as well. You should never attempt to breed unless you know a lot about requirements for hobby breeders, as it is simply unfair to the breed if you have a litter of puppies that simply aren’t what they should be. People who look to buy Golden Retrievers only want top quality, which is why you shouldn’t attempt to breed just have a puppies or make a few bucks.

Breeding Golden Retrievers is a very serious hobby, one that should be left to those who know how to make the right choices. There is a certain amount of cost and care involved with breeding, especially if breeders are going for a certain quality. There is also a lot of responsibility involved as well, which can take quite a bit of time to say the least.

Motivation for breeding
Breeding can help to fulfill the need of a Golden, although the dog still has no knowledge of it missing, no regrets, or no guilt towards living a life without having been breed. A pregnant Golden Retriever female doesn’t gain anything in regards to health, as it instead causes problems. Golden females that have been spayed on the other hand, cannot be bred. If you have chosen to have your Golden spayed, always remember that she will be unable to breed.

When looking to breed, quality breeders will have a lot of choices in front of them. They will need to determine the pair, such as the mother and the father. To get the highest quality possible from the litter, the breeder will need to determine the traits of both dogs, temperaments, and how well they seem to react to one another. The breeder will also need to determine in either of the dogs have any type of health problems, to prevent any diseases or ailments from being passed on to the litter.

Sometimes, when breeding Golden Retrievers, the mother of the litter will prove to be unfit, which requires more work for the breeder. If the mother isn’t doing her job of nurturing her young, the breeder will need to do it for her. This can be the most time consuming aspect of breeding, as the breeder will have to feed the young and make sure that they turn out as healthy as possible.

Aside from that, breeders also face quite a bit of costs as well. The prices for daily care, food, and vet bills can be very steep to say the least. When you crunch the numbers, you’ll quickly realize that breeders don’t make much money at all when they sale. Most breeders do it for a hobby, not looking to make money. Quality breeders on the other hand aren’t concerned with money at all, as they are more concerned about the quality of their litters. Quality is better than quantity, as even the best breeders out there have problems selling puppies from time to time.

Although breeding is fun for hobby breeders, it is something you really shouldn’t be doing if you don’t have the experience. Although your Golden may get knocked up by a dog of a different breed without you knowing it, you should do your best to avoid it at all costs if you can. A pure bred Golden Retriever should be bred only with dogs of her breed, to help preserve the breed and keep their bloodline going. If you have thought about breeding in the past – you should really study long and hard before you actually make a reality of it.

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Why Banking Works

When it comes to financial management, even business professionals reach a consensus as to what is the most effective, reliable, and secure means to manage your money, and that is through the bank. Your bank is an effective means to manage your bills payments, keep track of your transactions, receive your income and whatever extraneous cash inflow, and help you save effectively.

The last one is perhaps the most obvious feature of the bank that people do not take advantage of. A bank, being a financial intermediary, can actually help you save money efficiently. Here’s how.

First, you are required to keep what is called a maintaining balance in your bank account. This means that even if you make deductions in your account, the bank requires you to save a bare minimum in order to continue enjoying their services. And yes, that translates to a forced saving on your part.

Another feature of bank saving is the fact that you are free to continuously add to your account whenever you can. Otherwise, your money will remain safe in your bank. Moreover, while it’s staying in the bank, you are actually earning interest rates on your money.

What are savings interest rates? These are payments made by the bank to you for leaving your money in the bank. By depositing your money in the bank, your bank utilizes a portion of it in its loan operations where it subsequently earns through interest and loan charges. In effect, the income they receive trickles down to you, their source of money. This savings interest rate is actually an effective incentive system. Why so? If you save more money in your bank account through your deposits and savings, you end up receiving a higher return on the savings interest rate than other people would.

Banks have a threshold amount for you to be able to participate in the bank’s long-term, higher yield savings schemes. Time-deposit accounts, mutual funds and the like require you to leave your money untouched for a longer period of time. In exchange for the bank’s use of your money for a longer period of time, the percentages of interest return are double those that you would get in a regular savings account. You can add increments of a certain amount in order to increase the capital you invest in your time-deposit account or mutual fund. An increased account obviously translates to bigger interest gains.

Talk to your local bank about their savings schemes. They offer various mechanisms to encourage us consumers to entrust their money to them. In a bank, your money is in a safe place, and it is growing while it stays there.

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Bedding For Your Golden

Bedding for your Golden Retriever is very important, as this is where he will be spending quite a bit of time – especially at night. The ideal bedding for your Golden should be a natural fiber, such as wool, as wool absorbs most moisture and will keep your companion warm. When you get your blanket, you can try thrift stores, as they aren’t very expensive. You don’t want to buy an expensive blanket, for the fact that Golden Retrievers love to chew. They can chew or tear the blanket in no time at all, which would make an expensive blanket a waste of money.

When bringing your Golden puppy home, he may be a little upset having to leave his mom and the others of his litter. The scents and memories that he come to know and love are now being replaced with totally new ones. If you provide a towel for your Golden to sleep with, it may help to ease him a bit. Towels are a great way to remind Golden puppies of their mom and their litter, which will help them to sleep and relax.

If you are planning to have your Golden Retriever sleep with you, you should be ready to get up in the middle of the night and take him outside to use the bathroom. You should keep his food and water near his bedding at all times, so if he gets hungry or thirsty he can get what he needs. Then, you should planning on taking him out around an hour or so after he has eaten.

If you plan to leave your Golden Retriever outdoors, you’ll obviously need to use a different style of bedding. Doghouses are essential for Golden’s who stay outdoors, as it helps to keep them warm and free of weather. Inside of the doghouse on the other hand, most people tend to use straw so the Golden can make a bed out of it. You can also use a blanket or quilt as well, so that your Golden can wrap himself up in it should he get cold.

You can also use wooden shavings as well, as most Golden’s tend to like them. Newspapers work good as well, as they give your Golden something to lay on besides a wooden floor. Although doghouses work great for outdoor dogs, you should take your dog for walks on a daily basis and let him join you in activities that he finds enjoyable. This way, you can build a unique and lasting friendship with your pet. Golden Retrievers can quickly become the best friend you have ever had – as long as you take care of them. Making sure that have the proper bedding is a great place to start.

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Budgeting For Emergency Funds?

Emergency funds are considered to be a necessity as far as financial security is concerned, since it can provide one with financial resources that one can resort to and depend on when an emergency arises such that when one is sick and have the burden of paying huge medical bills, or unexpected home or major car repair.

When one has no emergency fund, one can be obliged to acquire debt on your credit card that might take several years to repay with interest that would later cost so much more.

However by putting an extra thirty to fifty dollars every month in an individual “emergency savings account” one can be secured with what emergency the future may bring. In doing this, it is recommended that one regards the emergency fund as an additional bill, to be punctually paid each month.

Yes, one can and should budget and allocate the extra money for emergency fund, as this is very significant when one refers to his “financial future”. Here, the goal is to create savings from budgeting your income; the emergency savings should ideally be equal to at least three months your living expenditures.

What’s important is that you should steadily put a certain amount of money aside, and only use it for real emergencies.

Not like an investment, the success of one’s long-term savings funds does not really count on the amount of return or interests but on placing a fixed amount of money away constantly and steadily so to have immediate access to it at all times.

In spite of one’s financial status, the initial step in the process of constructing an emergency fund is by knowing where your money is presently being consumed or spent.

When one recognizes and determines where one’s earnings are spent, then it will be easy for one to choose and make a decision where to trim down expenses. In other words, budget.

Budgeting is putting or setting aside money for anticipated and unanticipated future use. It is here that one sets up a goal so as to save. So set an emergency fund as your goal.

Checking, savings, money market accounts and “certificates of deposits”, are great places to keep one’s cash that might be needed on quick notice.

The amount saved from budgeting can either go to your savings goal, emergency fund or both. One could utilize the money saved from budgeting financial expenses by saving half of it to your savings account and half of it for emergencies. This way, you achieve your goals in savings and at the same time put in funds for emergency use. It’s your choice.

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Adopting An Older Golden Retriever

Those of you who want a Golden Retriever but aren’t ready to go through the trials and tribulations of a puppy, should look into adopting an older Golden. Older Golden Retrievers are mature, and prove to be great in homes where they need to spend a quality amount of time by themselves. They are a very adjustable breed, being good tempered. No matter how old the Golden may be, he will quickly become a valued member of your family in little to no time at all.

Many times, breeders will have older dogs for sale. There are several reasons for this, which include show dogs that have lost their potential, studs that have been used for breeding, female Golden’s that have been bred a few times then retired, or other types of special conditions where a breeder is helping a friend get rid of his Golden Retriever. There are other reasons as well, although whatever they may be – the adult Golden Retriever will be available for anyone who wants him.

Most older Golden Retrievers are already housebroken, and known a lot of behavior patterns and how to adapt to a new and loving family. Although it will be a little hard on your new dog at first, if you give him plenty of love, attention, and patience, he’ll be just fine. You need to keep reassuring your new Golden on a regular basis, and let him know that you are his new owner and that you love you and you are glad he’s a member of your family.

If you have been thinking of adopting an older Golden Retriever, you should make sure that you learn everything you can about him. You should also determine his temperament, and whether or not it’s compatible with your family. You should also learn important things as well, such as his diet, likes, dislikes, daily routine, and his habits. Before you decide to take him, you should always make sure that the members of your family meet him as well, so you can talk it over and decide whether or not everyone wants the dog to be a member of your family.

With an older dog, you need to take care of him for the first days, and let him know where everything in your home is. You’ll need to show him where he sleeps, where he should use the bathroom, and where his food is. Take your time and be patient with him, as will normally take him a few days to learn how things in your home work.

You should always give your new Golden Retriever at least a month or so to get used to his new environment, before you start his new obedience training. Even though your new dog may have some prior obedience training, you should still enroll him in a new class. This way, he can brush up on training and you can work with him to help him understand. Once you have finished training, he’ll understand your commands better and you and him will get along just fine.

All Golden Retrievers, regardless of their age, love attention. Older Golden’s on the other hand, may have medical problems that you aren’t aware of. You shouldn’t let this stop you from getting one though, simply because the rewards that you’ll find are far greater than any cons that may come to mind. Although many people don’t give a lot of thought to getting an older Golden Retriever – they are perfect for families who don’t want to put up the time and troubles of raising a puppy.

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Keep Them Handy: Budgeting Tools that Work

Budgeting your monthly expenses in order to get the greatest return on your income (and perhaps, even put aside some for saving!) doesn’t have to be extremely hard.

Various budgeting programs are available for use. Money management programs provide you with a usual package that allows you to enter your cash inflows and outflows, categorizes your expenditures, and at times, presents to you analysis of your spending behavior. Through these programs you can also input the various payments you have to make monthly, and subsequently track if you’ve paid your dues on time. Moreover, some programs also offer you a tax form draft that will help you make sure you’re not missing out on any dues or any deductibles, for that matter.

Another budgeting tool that you can utilize are coupons. Various stores and magazines contain coupons that you can use to get discounts on various products. Should there be a need to purchase a particular product for which you have a coupon for, you will end up saving a fraction of what you might have had to spend on a regular purchase.

Lists—whether on a piece of paper, on your cellular phone, or on your personal digital assistant (PDA) will help you keep focused on what you have to buy, and in effect, keep track of the purchases you make. A classic example is your regular grocery trip. Prior to making the trip, plan out the week’s entire menu and identify what food items and materials you need to purchase that are unavailable in your pantry. Then, make a list of other household items that you’ve run out of (or are eventually going to run out of before you can make the next trip to the grocery). Armed with these lists, you can go to the grocery and know exactly where to go and what you’re going to buy. Without these lists, you will walk idly along aisles, and will likely pick up various food items that you won’t likely need in the immediate future, or already have at home.

A filing system is perhaps one of the best budgeting tools you can have in your home. With simple, labeled file folders, you can put together your bills, your receipts, and whatever bank documents are issued to you when you save or pay. By putting together your bills, your credit card receipts, and the like, you are able to keep track of how much you owe and when your payments are due.

Effective budgeting tools are those that best address your needs as a consumer. Create your own budgeting tool or find a program to do it for you—just make sure it suits your lifestyle.

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