6 Booking Secrets for Travelers
You can start saving money before you go anywhere with these six quick travel booking tips:
Don't immediately book airfare online—call the airlines directly and compare from there. Phone agents often get access to deals not posted on the web—and even if there is a service fee, it may still save you in the long run.
The Big Freeze: Tips for Dealing with a Frozen or Reduced HELOC
One result of the credit crunch and the economic recession has been the freezing or reduction of home equity lines of credit (HELOC) by banks. A HELOC is a form of revolving credit in which the borrower's home serves as collateral. And while this is not a surprising move by banks looking to be more conservative with their lending policies during tough times, many home owners counting on this credit will face some challenges if their HELOC is reduced or frozen.
To help you deal with these challenges, the US Treasury Department and the Federal Reserve each released some tips for homeowners in this situation. The following is a summary of these tips:
Tips for Preventing Water Damage
3 Tips For Instant Productivity
Busy, successful people from all walks of life know that defending their time is no easy task—and you've got to have your own back when it comes to your priorities. Here are three unusual, instantly effective methods that keep bright minds laser-focused:
5 Tips for Longer Smartphone Battery Life
Smartphone batteries don't last forever, but you can do a lot to maintain batteries for peak performance. Here are five tips for maximizing lifespan and usability:
Promote, Boost or Advertise on Facebook
Cure These 4 Unhealthy Office Habits
Forty hours on your feet or at a desk can take a toll on your body. Extra calories, dehydration, eyestrain and bacteria can attack both your health and your productivity.
Timing is Everything...Especially When it Comes to Saving
Did you know that the fiscal year for Japanese companies ends in March? Do you care? You should, if you want the best deal on a new television for your home theater system.
That's because new models and products are scheduled for release at the beginning of the new fiscal year - which for Japanese electronics companies is April. And the release of the new models means, you guessed it, huge discounts on the previous year's models. So if you're shopping for a television, stereo, or other electronics, your best bet is to watch for sales in spring.
What Was Your Name Again?
Have you ever been introduced to someone and, about two seconds after shaking his hand, forgotten his name? Don't worry. This is not evidence that you're losing your mind or that you're on the fast track to senility. Turns out, this is actually an extremely common occurrence for many busy people today... including me!
3 Secrets to Growing an Einstein Brain
Relativity and quantum physics weren't the only things on Albert Einstein's mind—he also had a few tricks up his sleeve for making sure his brain was both working at peak efficiency and harnessing as much of its power as possible.
Get to the IRS on Time
Get to the IRS on Time: Even If You Can't Pay
Have you ever completed your tax returns only to find out that you owe way more to Uncle Sam than you were expecting – or worse, that your tax bill is more than you can possibly afford to pay right now? Don't worry. If this is the case, you're not alone.
Avoiding Foreclosure Helping Clients Keep Their Homes
Helping Clients Keep Their Homes
Few things are as devastating as losing your home. Sadly, it's not always inevitable. In many cases the foreclosure could've been avoided with some outside help.
Credit, Debit, or Paypal...Which is safest?
Debit, Credit, or PayPal... Which is Safest?
Mammoth retailer Target recently revised its estimate of stolen credit card data to over 70 million cards. This was an astounding breach and a reminder to be aware of any identity theft and bank account safety at all times. Here are a few tips on the best ways to use payment conveniences and still protect your money.
6 Ways to Supercharge One-on-one Meetings
One-on-one meetings are a powerful way to develop new referral partnerships, cement client relationships and brainstorm new directions. If you want to amp up your next face-to-face, keep these tips in mind:
Tips on Tipping
Tipping at restaurants is a given, but what about that tip jar on the deli counter, the exterminator, or your cable guy? See below for a few "tips" on tipping:
Dining for Dollars
Dining out can be a great way to kick off the weekend, catch up with friends or celebrate special occasions. But it doesn't have to break your budget, especially if you know the best tricks for saving at restaurants.
Reactivate Lost Customers
Losing a client is tough, but that doesn't mean all hope is lost. Former clients can be recovered—and they can even become some of your most loyal supporters if you show them how committed you are to meeting their needs.
Here are four steps that can help reactivate lost customers:
The Benefits of Volunteering
Take a look around your neighborhood or your community. Chances are, you'll notice at least a few things that are either overlooked or are in need of a little help. Maybe there's a non-profit organization that needs its lawn mowed or help collecting food for the needy. Perhaps there's a youth camp that needs people to take kids on a hike or children at a child-care center that would love to have an adult read books to them once a week.
The Art of Happiness
In The Art of Happiness*, the Dalai Lama shares this powerful insight into life:
"I believe that the very purpose of our life is to seek happiness. That is clear. [Regardless of religion], we are all seeking something better in life. So I think the very motion of our life is toward happiness."
Tips for a More Productive Commute
The average commute time in America is about 24 minutes each way, according to recent reports from the Census Bureau. That means Americans spend about 48 minutes travelling to and from work each day. And, if we work about 245 days a year, that adds up to a total of 196 hours a year! That means, on average, we spend more than 8 full days just sitting in our cars each year. Imagine what you could accomplish if you could only get half of this time back.
Gasoline Sense - Tips for Stretching Your Tank
8 Steps To Reduce Property Taxes
As the sluggish economy drags on, county boards everywhere are looking for ways to replace lost income, and re-assessments of residential real estate taxes is just one of those ways. Sometimes it's fair, other times it avoids belt-tightening. If your property taxes have been raised and you feel it's unfair, here is how to prepare to meet your assessor for a review to lower them:
Late Night Snacks That Won't Give You Nightmares
Late night snacking isn't ideal, especially if you're watching your waistline. However, it's still a good idea not to go to bed hungry. According to the Sleep Medicine Center in Pittsburgh, low blood sugar before bed can prevent you from getting to sleep quickly and make it difficult to wake feeling your best.
Watch Your (Business) Language
The words you use, and even the ones you don't, significantly impact how people perceive you. Turns out, you may be communicating poorly without knowing it.
Here are three offenders and how to avoid them:
Union Turns 15
As Union Mortgage Investment Group celebrates fifteen years of uninterrupted service to the community, we take this opportunity to thank you for helping us succeed.
After 10 years of being part of the “big banks” I realized that I had to break away and really make a difference in the lending world. I decided to make a contribution, a small one in the industry but a significant one for first time home buyers, investors and their families.
Harness the Power of Creativity
Creativity promotes both physical health and mental happiness. But, you don't have to write a best seller or paint a masterpiece to reap the benefits. Frequently trying new things is the real key.
If you're feeling stuck, here are some great ways to light that creative spark:
Boost Your Savings Account ...Without Even Trying
Annual income aside, there's not a person among us who wouldn't welcome the idea of having more money in their savings account. This is the money we use on everything from yearly vacations to family presents. Come holiday time, wouldn't it be nice to have an extra thousand or so dollars at your disposal? Here are a few ideas that can help to make that possible. The best part is you'll hardly feel it!
How to Stick to Your Workout Resolution
Every new year finds abundant advice on how to exercise. These six tips will help you build your resolve and achieve your fitness goals.
8 Gifts That Do Not Cost a Cent
Gift giving can be overwhelming, anxiety-provoking, and expensive. But the old adage "the best gift is the one that doesn't cost a thing" is perhaps true!
Here are 8 gifts that don't cost anything–and are worth more than money can buy!
5 Ways to Protect Your Identity at Hotels
Before the technology boom, hotel guests only had to worry about thieves breaking into their rooms. These days, a host of new threats puts credit cards, bank accounts, Social Security numbers, and other personal data at risk. Here are the top ways you can protect yourself:
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