Tuesday, September 30, 2008

Did your husband cheat behind you?

I'm tired today. My husband going home really late.

I wonder why he really late today. I hope he not have others girl outside. If not, i will kill him. How dare if he did that to me. I'm loyal servant to him even i always ask him for money and shopping. But its enough to cheat me right?

Ps: So, which one of this girls might be will be have scandals with my husbands? I hope not a single of them. Huu..

Wednesday, September 24, 2008

How You Choose Contractor?

If you want to find Contractor, what requirement you need to see?

Look for experience
. While inexperienced contractors often cost less, it pays to hire a contractor who has swung a hammer more than once and understands the difficulties that can arise on a remodeling project. You’ll want to hire someone who has done a home remodeling project before; otherwise, you may end up spending more to fix mistakes.

While new construction contractors may be skilled, they often aren’t used to working closely with individual homeowners, which can make for some sticky interactions, Deras says. She recommends hiring a local contractor who knows folks at the building department. That contractor will know which permits to get and who to work with, thus speeding the project along.

Ask whether the contractor employs subcontractors. If he does, find out about the subcontractors’ experience, and the contractor’s experience with them. Herriges, for example, has used the same plumber on a variety of projects over the past 32 years.

Get references. This seems like common sense, but when work on your home involves thousands of dollars, you need to do a bit of digging around in a contractor’s background. Find out if he or she is a member of any local or national trade associations and is in good standing with the Better Business Bureau. Ask for references from other jobs he or she has done.

If the job costs more than $30,000, go and see the contractor’s work firsthand, says Herriges. You’ll also want to verify the contractor’s license and insurance. Ask to see the actual documents. If the contractor is not insured, you’re financially liable for any accident that occurs on your property.

You can read full articles in this site : How to choose your Contractor!

PS: Thats why i said to him, choose it wisely, Never choose it because that contractor is your old friends.

Monday, September 15, 2008

How to Cut the Cost of Auto Insurance?

Good tips for you todays. Did you want to lower the cost of your auto insurance? It may not be as difficult as you think.

With a phone call or quick trip to the Internet, you could cut your premium and keep a few extra dollars in your pocket. Here’s how:

1. Try bundling. Opting for multiple policies with the same company “is definitely one way to trim costs,” says Doug Borkowski, director of the Iowa State University Financial Counseling Clinic. Look into grouping types of coverage (such as home and auto) or insuring more than one car with the same company.

2. Inform your agent of your good habits. Make sure your agent knows about all the safety features in your car (such as antilock brakes and side-curtain airbags), your teen’s good grades and that you haven’t had an accident since college. All will likely help you keep more of your cash at premium time.

3. Raise your deductible. The classic law of insurance is the lower your deductible, the higher your premium. If you can afford to keep your deductible at $500 or $1,000, you’ll usually see the best rates, says Jack Hungelmann, insurance agent and author of Insurance for Dummies (Wiley). If you go above $1,000, you won’t see much in the way of savings—and you’ll get a huge bill if you have an accident.

And more and more tips. You can know more here if you like : More tips Please!

by Dana Dratch

Tuesday, September 9, 2008

Why you need to stop Auto Payment?

Stop those automated payments!

There are many reasons you may want to halt an automated payment. If you need to close your account, your credit card number gets changed, or if you’ve changed service providers, you’ll want to take these steps to stop your automated payments:

If you pay through your bank:

Contact the bank by phone at least three days before the payment is made. Follow up with a certified letter within two weeks.

Banks sometimes tell consumers to work it out with the merchant, says Chi Chi Wu, staff attorney for the National Consumer Law Center. Instead, invoke the Electronic Fund Transfer Act, which governs automatic bank drafts and puts the responsibility to stop payments on the bank—not the merchant. You can also copy the merchant on the letter to show the bank that the creditor is aware of your wishes.

If you pay via credit card:

It’s actually up to the merchant to stop the charges, not the card company, says Wu. At the same time, you have more protection from unauthorized drafts and mistakes, and you’re not fighting to recoup money that’s already missing from your account, she says.

Notify the merchant and the credit card company separately that you’re stopping automatic payments. Follow up with certified letters to each, and dispute any subsequent charges.

Please read more here to understand clearly : Auto Payment Issue

—Dana Dratch

Ps: Thats why i hate when he paying like that. Right now, we paying manually. Its more better and i can have walk shopping when he paying bills at bank. Huhu..

Thursday, September 4, 2008

Did your kids have money allowance?

Want your kids to be smart with money? The first step is the hardest: you’ve got to give them some of the green stuff to manage.

An allowance gives parents the opportunity to teach money skills. And it works because it’s relevant to kids, says Lynne Strang, vice president of communications for the American Financial Services Association Education Foundation. “You’re talking about their own money versus someone else’s money,” she says.

Here are seven steps to giving an allowance:

1. Decide whether the allowance will be conditional.

Some parents tie an allowance to completing specific, regular chores, like making the bed, taking out trash or maintaining a neat room. Others don’t like the idea, fearing that—if the child doesn’t want to work—he or she will just forgo the allowance to opt out of helping around the house.

So should an allowance be tied to performing certain jobs?

“I think we fall somewhere in between,” Strang says of her group. “It’s a good idea that kids are expected to have certain core responsibilities.”

Tying an allowance to completing certain regular household chores “is a really bad idea,” says Joline Godfrey, author of “Raising Financially Fit Kids.” “An allowance is not a salary or entitlement. It’s a tool.”

At the same time, if kids do something extra (cleaning out the garage or washing the car), “it makes sense that the parent would pay for jobs that go above and beyond,” Strang says.

If you do decide to assign chores, you’ll want a simple way to keep track of who is doing what each week, says Strang. If kids need some structure or a visual reminder, keep the chores chart in a prominent place, where you and they see it regularly.

Your ultimate goal? Encourage the child to keep track of it on his or her own, says Godfrey. Because, she says, “unless you find a way to put some responsibility on the kids, it’s exhausting.”

2. Set an amount.

“This is a personal decision” that varies from family to family, Strang says.

Some factors to consider: How old is the child? What obligations do you want the child to manage (e.g., school lunches, activity fees)? Realistically speaking, how much money does the child need for those items? And how much discretionary money do you want left?

3. Establish a regular pay day.

How often do you want to pay an allowance? For smaller kids, paying a weekly allowance usually works fine. For high schoolers, consider a monthly plan, says Strang. It more closely mirrors the challenges they’ll face in adulthood, namely budgeting a set amount of money across a month.

It also gives you an excuse to sit down with them and analyze monthly expenses and income, she says.

4. Start small with young kids.

Don’t be afraid to say “this is your lunch money budget” or “this is your comic book budget,” says Godfrey. “Start with something concrete and real that can be understood,” she says. And when the child masters that, you can add to his or her financial responsibilities.

YOu can contunue read here. Because i feel you can know more about your kids and how to control their allowance.

Ps: I hope, when i have kids, they will never ask about money. All money is mine. Haha!

Monday, September 1, 2008

I just want to Loving you more..

You want money? Have big problem with your financial? I advice you to read this article. Even maybe you already rich and have no problem with your life, why not you add more knowledge today?

Getting paid can be a nightmare for any business, but dealing with accounts receivable can be particularly harsh for sole proprietors. Focusing on collections means losing out on billable hours. Soloists can learn a lot, however, from the methods of Rosemary Sadez Friedmann, who owns an interior-design business with $2.5 million in revenues in Naples, Fla. She's been on her own for 19 years, dealing with a high-end crowd that can be particular about what it's paying for.

Friedmann's first principle is to stagger the timing of all her long-term jobs. Ideally, if she's working on three projects simultaneously, at any given moment she'll be starting one, in the middle of a second, and concluding a third. That way, she has to worry about collecting from only one customer at a time. "If a big job has to be done immediately, I usually have to beg off," she says.

Her key to successful staggering is limiting herself to four large-scale projects a year. She's learned from experience that any more of a workload is all-consuming and compromises the time management benefits that the staggering was designed to create. Friedmann maintains her pace by practicing a crucial soloist art: staving off customers without actually saying no to them.

With rare exceptions, Friedmann meets with all prospective customers, as a visible attempt to work their needs into her strategic scheduling. If the scheduling proves impossible, she often compensates by offering to work as an hourly consultant, thus generating good word of mouth without overlooking her major project commitments. The initial interview also allows her to screen customers. If they don't seem like trustworthy payers, she can decline to do the job or offer to do it only if the customer signs a property lien.

Friedmann hasn't lost out on a payment in more than four years. And just as important, she's managed to stay solo for all that time, when many with her income might have splurged on an employee to handle the headaches. "I often think, 'Boy, it would be so much easier if I had someone else who could just make phone calls,' " she says. "But the other side of the coin is, I'm in tune with every side of my clients' accounts. And there's nothing that's going wrong."

Ps: You also can make money from Mutual investment if you want!

Pss: I also hope my men know what he doing now. I'm not angry dear. I'm just want to loving you more..