Home > Blogpage 30

Blog

5 Easy Ways to Save on Family Pictures

Time feels like it passes all too quickly. I’ve heard this happens even more when you have young children at home. Several of my friends have kids, and they tell me that all it seems to take is the blink of their eyes to find out their kids have gone from being babies to toddlers to starting school. If you don’t take pictures of them along the way, you’ll regret it as you don’t have the opportunity to go back and do it later. So whenever possible, you should grab a camera or your phone and snap away. Another great way to capture the moment is to have family pictures taken. But that can cost quite a bit if you hire it done and order prints to give to family and friends or hang in your home or at work. It’s sad, but the cost of family pictures can deter some families from having them done a regular basis. If you don’t want to miss these family photo opportunities, but you don’t want to go broke either, here are some ways you can save on family pictures. 1 DIY Doing things yourself has become very popular these days, so why not ...

Read More »

How a Loan Can Make Your Business Grow

Just like all other companies, small business owners need working capital to manage operating expenses, buy new inventory, and invest in new business equipment, marketing campaigns, or other opportunities for future growth. Unfortunately, the traditional model of bank lending does not always deliver the types of small business loans that many business owners need – especially if the business is relatively new (without a track record of sales revenue) or if the business owner has less than perfect credit. Additionally, many online businesses find that their online sales, social media presence and other metrics of success are often ignored or unrecognized by the traditional bank lending process – there are more ways to evaluate a business’s creditworthiness than a credit score alone, and many viable, successful small businesses are finding themselves overlooked by traditional banks’ small business lending. There are many reasons why online loans are becoming a rising force in the world of small business lending. Online loans are more flexible, more technologically up-to-date, and better suited to many of the needs of small businesses than a traditional small bank loan. Filling the Gap in Small Business Lending According to research cited by the Wall Street Journal, even though ...

Read More »

Effective Ways to Reduce Home Energy Spending

Most homeowners know the routine: with every new year comes higher utility bills. We want to blame the people we write the checks to, or the politicians writing laws making providers spend more. To some extent, this is a fair reaction. However, the path to lowering our energy bills is as much a matter of personal choices as it is a seemingly complex issue out of our hands. There are effective ways to reduce energy spending, the following examples show: Pick a provider Many people live in deregulated energy markets and don’t even know it. Or they know it and aren’t sure what it means. In short, you have a choice in your energy provider. Sites like Electricity Match can be used to find the lowest electricity rate in your area. A cent here and there may seem like chump change but over time, the savings on kilowatts per hour adds up. It doesn’t take much more than about 10 minutes online and maybe a phone call to start saving on energy. Optimize Regarding the savings of CFLs, debate rages. Experience leads us to believe CFLs don’t last nearly as long as advertised. However, many readers responded by saying they ...

Read More »

How to Make “Mailbox Money”

ways to make mailbox money

We all know that making money is one of the keys to financial success. While there are tons of ways to earn income, I think my favorite way is through “mailbox money.” One of my favorite things about being an optometrist is learning oddball things from my patients, and this term came onto my radar a few weeks ago from one of my more colorful clients who had recently retired after selling his business. As he is only in his mid 50’s, I asked if he had another career on the horizon when he told me that he as pretty content to collect his mailbox money from various rental properties acquired over the years.  Sounds like a great plan if you ask me! Mailbox money is income that arrives either in your physical or virtual mailbox, in a somewhat fixed frequency with a minimum of management, basically the definition of passive income. Passive income is the holy grail for those of us seeking financial independence and/or early retirement. Since few have access to royalties or trust funds set up by someone else in our names, that means earning our own mailbox money. Luckily, there are several ways to cash in. ...

Read More »

5 Hidden Costs of Adopting a Pet

adopting a pet

Lots of studies have been done proving the health and social benefits of adopting a pet. I have pets myself, and based on my own experience of rescuing pets over the years, it has been rewarding and life enhancing, and I wouldn’t trade my pets for anything, even when they annoy me. 🙂 However, if you too are shopping for a pet to adopt, don’t forget to look past the cuteness and keep in mind the costs of pet ownership. Pets cost more than just their up-front adoption fees. There are also several hidden costs of adopting a pet. Here are 5 hidden costs of adopting a pet that you should keep in mind before you sign on the dotted line. A Pet Gate Not everyone needs a pet gate, but if you have an area of the house where your new pet is not allowed, a pet gate is essential. For instance, I have a basement and my pets are not allowed to be downstairs unless I am with them. This forced me to purchase and install a pet gate at the top of my stairs as a safety precaution. There are a wide variety of pet gates available for ...

Read More »