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Author Archives: Glasses or Contacts

3 Shocking Truths About Early Retirement All Millennials Should Know

A lot of millennials seem to take their work for granted, failing to save and prepare for an inevitable future beyond work. But, as Aristotle said, “Good habits formed at youth make all the difference.” By being prepared for retirement, you’ll be able to enjoy life when older. Early retirement is a privilege. It is a sign of life lived with careful consideration and planning. It is only when you have put aside a sizable nest egg that you can afford to stop work and enjoy your independence. The following truths about early retirement will shock you. Pension isn’t guaranteed Unlike the time of Generation X when the government pensions were a reliable certainty, it will be different in the future. With economic instability and financial devaluations, you will be forced to rely more on your own savings than your employer’s or the government’s. It is better to start making plans early so you won’t have to keep working when you are supposed to be resting. A percentage of your earnings should be kept in a separate account each month. Consider alternative investments such as stocks and bonds to diversify and multiply your income sources. Your health is at risk ...

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5 Money Tips for a Frugal Spring

This is a guest post from Pauline of InvestmentZen.com Spring is just a few days away, and what better time, as we start enjoying the warmer weather and longer days, to implement some good money saving habits? I know during winter I generally have lower energy, and when it’s dark outside, I feel more like a hot chocolate and a movie in bed than hustling. So let’s enjoy the new season and start on the right foot! Start a garden If you have a garden at home, starting a little vegetable patch is a fun and inexpensive hobby, that will give you delicious fresh vegetables come summer. Depending on where you live, you can start right now or in a few weeks. And if you do not have a garden, how about some herbs on your balcony? I even had tomato plants out my window one summer, they don’t need a lot of space. There is something very rewarding about growing your own vegetables. Pay attention to what your neighbors are planting, to see what the best species are for your location and climate. If you are in an arid area, watering your patch is going to be costly, but ...

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What You Should Know About Selling a Timeshare

If you think that selling your timeshare will be just like selling a house – think again. Simply put, when a buyer is interested in purchasing a home, they know that they are buying full ownership of the property. However, when purchasing a timeshare, ownership is not always clearly defined. As a result of the complex terms of timeshare contracts, many buyers get confused and uninterested quickly. If you want to increase the chances of selling your timeshare, knowing how they work is the first step. Timeshare Relief There are plenty of reasons that people consider sharing their timeshare. At the top of the list might include financial burdens and family changes. While most timeshare owners will try the selling process on their own, if you’ve tried that route with no success, a company like Allied Solution Group offers timeshare relief services. Know the Facts Whether selling timeshare on your own or with the help of a service provider, here are some facts you’ll want to know about your package. 1.  Week Number The value of your timeshare will greatly depend upon how attractive your week number is to potential buyers. In some instances, a timeshare property is divided into 52 weeks, each ...

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5 Cheap Ways to Make Your Home Look Expensive

Have you taken a look around your home lately and decided it needed to be spruced up a bit? Every now and then both interior and exterior spaces can use some TLC to keep them looking their best. But along with the usual upkeep of cleaning, clearing away clutter, and painting, there are other ways to keep your home updated without spending a small fortune. Below are 5 cheap ways to make your home look expensive that could help. 1 Frames In addition to the usual picture frames there are several other places you can add frames around your home to give it a more luxurious look. For example, did you know you could frame that simple bathroom mirror to make it look like a large, expensive one? Or, add a frame to a wall mounted television to give it the allusion of wall art. You can even add small picture frames to your light switch plates to dress them up somewhat. While inexpensive, these touches add elegance and style without adding a lot to your budget. 2 Tile Kitchen and bathrooms are some of the more expensive areas to update in a home. To add a little pizzazz without ...

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How to Stop Your Home from Leaking Money

It is estimated that the average American household will spend approximately $2200 or thereabout on energy bills alone, year in year out. That’s a whopping $12000 in 5 years or roughly. This is a significant figure of money to flush down the drain, especially in a day and age when a majority are struggling with a severe cash crunch. Fortunately, they are various, practical and non-cliché ways you can cut back this figure. Forget everyday old-and-tired advice such as ‘remember to switch off the lights as you leave a room.’ The real gem is found in targeting and re-evaluating you heating expenditure. Follow these 5 tips to prevent your home from wasting money on heating costs. Continuously Improve Your Home’s Insulation A huge chunk of your annual energy bill, around 55%, is accumulated during the coldest months of the year. As we all know, this is the time when we are forced to leave our heaters on throughout the day and night in a bid to keep the biting cold away. However, this is only because our homes tend to lose as much warmth as soon as it is generated. Improving the thermal insulation of your home is the first ...

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