Archive for January, 2010

  • A Connected Lifestyle Is What Everybody Wants the Most in the Present Times>
    A Connected Lifestyle Is What Everybody Wants the Most in the Present Times
    We all know that man is a social animal. This snippet of enlightenment has stood the test of time and whatever he does and whatever be the changes in his socio-eco-technological environment, he’ll always want to socialize. In a world, where most placid  lifestyles have metamorphosed into fast ones with no time to even say “hello” to a close friend, it appeared for a while as though this basic tendency and need of human beings was being threatened of extinction, but once again, going by the saying “ where there’s a will there’s a way”, the will found out the way- humans started finding ways to socialize despite their non-social lifestyle demands- they have come up with electronic technology and gadgets that allowed them to socialize well and stay connected with the rest of the  [...]
    at January 28th, 2010 at 01:01 am
  • Simple Tips to Save 25% Gas Bill>
    Simple Tips to Save 25% Gas Bill
    The gas price per gallon seems to be rising incessantly. But don’t fret, here are some very simple tricks that will help you to save around 25% of the gasoline cost. How? Here is it. The first 20% can be saved by driving and maintaining your car efficiently. Here is how you can do that: Remember that faster pace means more resistance against wind. This friction causes your fuel economy to drop. Drive smoothly with patience, less fluctuation in acceleration, and minimum usage of brakes. That doesn’t mean don’t apply brakes and start bumping your car everywhere. Apply when necessary. Use of overdrive except you are ascending a steep slope. Make use of cruise control, which means drive at a stable speed with stable acceleration and not using brakes, when on freeway. You cannot do this on  [...]
    at January 25th, 2010 at 01:01 am
  • A New Approach to Budgeting>
    A New Approach to Budgeting
    By now you must have come across countless number of budgeting tips which are good to read but are found to be ineffective when you apply them in practical life. Do you know why? Most of them ask you to list down your expenditures and suggest unrealistic spending targets. You try to follow them, but obviously can’t. Most of them ask you to cut down on your expenditure on entertainment etc. but is it possible for one to survive without any entertainment? The new approach to budgeting does not actually ask you to cut out on any of your expenditures but to adjust them in such a way that you don’t overspend. According to the new approach, making monetary predictions is one of the most foolish things that one can do. How can you say for sure, how much you are going to spend on what at the beginning  [...]
    at January 21st, 2010 at 01:01 am
  • The Plus and Minus of Social Lending- The New Age Financing System>
    The Plus and Minus of Social Lending- The New Age Financing System
    With credit card companies lowering credit limits and increasing interest rates more and more people are turning towards social lending service agencies for financial aid. Social lending organizations are websites that help you in getting loans for personal purposes. You might want to refinance your credit card debt or you might want to finance the birth of your first child or by a new house- social lending websites come to your rescue. The interest rates are just about 7% -8 % which turns out to be less than 10%-15% less than those of credit card lending.  The service charges are also much lower than credit card lending. The reason being, social lending is done online and the lending organization does not have to spend huge amounts of money on brick and mortar offices. With so many advantages,  [...]
    at January 18th, 2010 at 01:01 am
  • Virgin Penetrates Retail Banking Market>
    Virgin Penetrates Retail Banking Market
    Sir Richard Branson takes another commercial leap and attempts to become one of the key banking service provider in UK by giving a nod to buy the Church House Trust, a petite local private lender in UK. The acceptance of this deal by Financial Services Authority will endow Virgin Money with a banking license, much needed to offer full range of financial products to their customers. After the completion of the acquisition process, Virgin Money plans to nurture its banking business geologically. Currently, Virgin Money offers personal financial services like insurance, pension schemes, and retail credit cards. After acquiring Church House Trust, it will obtain the right to receive money from depositors and lend mortgages. Royal Bank of Scotland and Lloyds has informed that they will divest. However,  [...]
    at January 14th, 2010 at 01:01 am
  • Are You Investing to Increase Your Net Worth?>
    Are You Investing to Increase Your Net Worth?
    The summation of total assets of any individual including the cash in bank account is called ‘individual net worth’. Is it? I don’t think so. Probably the only reason why you will be handed the pink slip, and not your colleagues, is your lack of knowledge about ‘Individual Net Worth.’ If, according to you, net worth is something that a person has earned, then what about his ability to earn? Before I emphasize on the significance of net worth, let me tell you have lucky you are to have a job. It has been predicted by most of the economist that the unemployment rate is bound to leap and stay soared for a long time. For precise information, make some efforts to explore your search engine and scroll through latest unemployment trends because this isn’t an unemployment article. Employers  [...]
    at January 11th, 2010 at 01:01 am
  • Gotten Over the Holiday Euphoria? Now’s Time to Think About Wiping off Your Holiday Debts!>
    Gotten Over the Holiday Euphoria? Now’s Time to Think About Wiping off Your Holiday Debts!
    Halloween, Thanksgiving, Christmas and New Year! Hope your holidays rocked! But now, like all good things, they are over and you’ve got to get to pay up your holiday debts if you’ve managed to get into any. If the onus of filling Santa’s bag with gifts was on your credit card company, then better get geared up to pay up all the dues now and in the coming months. If you default, the interest rates will simply hike up. Not only that, defaulting may actually affect your credit score and you might not actually get any credit from your credit card company(s) in future. So prepare yourself to pay up those bills while the year is fresh and your enthusiasm for meeting your aspirations and challenges is fresh too. Here are some tips that you could use to pay up your bills: Set deadlines for clearing  [...]
    at January 8th, 2010 at 01:01 am
  • Sure-Fire Tips To Earn From Cash Back Credit Cards>
    Sure-Fire Tips To Earn From Cash Back Credit Cards
    Saving money through spending is a risk that’s worth taking only if you are sure about your income sources and repayment promises. So, cash back credit card exploitation should be done by only those who meet the above two criteria. People are generally unconvinced or ignorant about the ways to make money from Cash Back Credit Cards. Let me tell them, there are ways to do it and extreme precaution is needed. You might be aware about one way of getting cask back in your pocket; spend money and receive 5% back, Spend more money and receive more cash as ‘bigger 5%’. Great! You know one method to receive cash. However, there are many other ways to exploit the cash back card that you aren’t aware about. Alright, what are they? Generally, the amount of cash back depends on points accumulated  [...]
    at January 5th, 2010 at 01:01 am
  • You: 5, Credit Card Company: 0>
    You: 5, Credit Card Company: 0
    Credit card providers aren’t fools. They are doing business and they have their ways to hoodwink you. So, before you decide to deal with them and stuff you wallet with a couple of gold cards, you need to know some secrets. They promise lower interest rates or a free balance transfer and fall for such pranks immediately without reading the fine print. They set palpable traps and you easily become their prey. Here are 5 common traps used by credit cards, and plans to evade them: Trap #1: “APR just 9.99%” You see this and instantaneously purchase a new card. Did you check the fine print? No? It says the interest rate can go up to 21% any day. The Plan: As soon as you receive the credit card, read the welcome letter or any other letter that mentions that they approve your request to offer  [...]
    at January 4th, 2010 at 01:01 am
  • Why Do You Want To Hire Local When Outsourcing Greatly Reduces Your HR Costs?>
    Why Do You Want To Hire Local When Outsourcing Greatly Reduces Your HR Costs?
    Outsourcing employment comes with a lot of advantages. I agree that not every job can be outsourced, but by even outsourcing a few jobs you do save up on a lot of expenses. Now, in the present recession recovery period you could always consider outsourcing some jobs. Quality compromise is a myth when it comes to outsourced employment. These days a lot of young and old talented people are opting for outsourced employment as according to their standards the pay offered by the outsourcing western countries is very attractive. Here are some advantages that you might want to consider before outsourcing your company work: Good Quality Leading To Increased Profits As I said earlier, quality compromise is a myth that many US employers have about outsourced employment. Many of these foreign employees  [...]
    at January 1st, 2010 at 12:01 am