Jul 182018

5 Top Ways to Save on Internet

By |July 18th, 2018|Personal Finance Tips|0 Comments

With the rising costs of Internet service in the US, it’s no wonder if many are searching for a way to lower their bill.

It’s especially wise nowadays to learn how to save money on cable Internet providers both because this is one area in your budget where savings are readily available in most cases. And regardless of which type of Internet service you have or want, there are almost always some ways to save.

Here are 5 of the best ways to approaching pinching pennies to put in your piggy bank when it come it comes to your Internet provider:

1. Comparison Shop

You will find there are a number of reliable sites that help you quickly and accurately compare local Internet service providers, both as to value and cost.

This information will give you perspective on how much you’re paying compares to the industry average. It will let you compare basic service, high speed service, bundled deals, and more.

So it’s not just a one-number game, but comparison tools can put you in the know as to who is offering you the best overall deal if you “do your homework.”

2. Use Promos to Save

Quite often, there are promotional deals available that let you qualify for a discount if you switch providers within a specific timeframe. These often continue for 6 to 12 months.

But if you threaten to leave at the end of the promotional period, many providers will back down and let you retain the promotional rate. And once you’ve been there 5 years, 10 years, or more, that long term customer status can help you keep a lower rate as well.

3. Bundle Up

Bundling won’t “save” you anything unless you were going to get all the included services anyway. But if that’s the case, and you simply opt to get them all from a single source – the savings add up quick.

You can typically bundle Internet with phone service and cable TV service, but specifics will vary from provider to provider. Be careful to read bundling offer details and take note if the savings are permanent or have a time limit.

4. Adjust Your “Settings”

By settling for a lower speed, of course, you can immediately lower your monthly Internet bill. You have to ask yourself how much mbps you really need. That depends on how much time you spend online – but for most people, 20 to 30 mbps is sufficient (and cheaper) if not optimal.

Second, if you use your own modem and/or router, you no longer pay for renting such equipment from your provider. It involves an upfront cost to buy your own, but within a year or so, you’ll begin to save on every Internet bill.

5. Try Bill Negotiation

A final option is to try using a bill negotiation service. You simply send your bills to the negotiation service, and they try to negotiate a lower price with your provider. You’d be surprised how often they succeed.

If the bill negotiators fail to get you a discount, you don’t pay them anything. If they succeed, they take a percentage of the amount they’ve saved you.

Internet companies interpret you’re use of a bill negotiation service as a sign you’re dissatisfied and might cancel if you don’t get your bill down soon – that’s the reason why these services work. But they also work based on the experience of the negotiators: they can likely get the bill lowered more than you could on your own.

Here are five possible ways to get your Internet bill lowered. As monthly bills vary from $35 to $100 or more per month, there’s plenty of room to adjust the amount if you know how and are willing to take the necessary steps.


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Jul 182018

The 3 Best Ways to Spend $1000

By |July 18th, 2018|Personal Finance Tips|0 Comments

Your next personal finance and business growth starts from the seed you have at present. That seed of $1000 in your hand can go a long way to spark off the next financial growth you’ve eagerly awaited.

Here are three ways to spend $1000 that could help you meet your financial goals. These smart tips will help you to improve your financial health and show you how to use money to expand business operations.

Publish and Sell a Book





Image via Flickr by AMagill

You probably have some great experience on a particular topic which you believe the world should hear. If that’s the case, you should give self-publishing a chance.  Amazon, with its kindle direct publishing platform, will make you a self-published author in minutes, making your book available to a worldwide audience.

If you hate to write, there are freelance writers on credible work sites like Upwork and Fiverr who will help you put your thoughts down in a book form. Typically, freelance writers charge between 10 cents and $1 per word, depending on the amount of work they need to put into your book project.

You will need to spend part of your $1000 for marketing purposes. Credible book promotion websites like BookBurb and Bargain Booksy will provide the necessary book promotion platforms for your book to reach lots of readers and customers.

Start Your Own Blog

You can also go the way of starting a blog. A weblog is a website that is like a diary or journal where bloggers often write about their opinions and thoughts. Your daily, weekly, or bi-weekly thoughts on your blog can attract readers and fans to your blog. These fans could become dedicated customers of your products and services when you decide to monetize your blog.

The average monthly cost of setting up a blog today is $10. You may need to pay an average of $80 to $130 per hour to an SEO expert who will help you to make your blog more search engine friendly to attract free traffic from Google, Bing, and other search engines.

Invest in New Companies

New businesses only grow and reach new territories if they constantly have enough capital at their disposal to fund business projects. In order to achieve this lofty business growth objective, businesses come to the market to raise capital.

In the year 2012, the U.S. government approved crowdfunding as a way for businesses to raise capital. In 2015, a worldwide estimated total of over $34 billion was raised by crowdfunding. This approval makes it easy for you to invest in new companies. You can invest your money in a wide range of for-profit entrepreneurial ventures or community-oriented social entrepreneurship projects.

If you’re planning to use money to expand business operation or to invest $1000 to improve your financial health, you should consider the tips given above. Self-publish a book. Start a blog of your own to attract fans to your story and brand. Invest in new companies to earn a dividend from their annual profits. These options can help you improve your financial health and meet your financial goals.



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Jul 182018

5 things you can do to improve sales

By |July 18th, 2018|Personal Finance Tips|0 Comments

No business can grow unless it makes more sales. This is how most businesses earn their revenue, and if there are no sales, there will be no money. This is why businesses are always busy to increase their sales.

We can all agree that old sales tactics aren’t effective anymore, which is why there is a need to com up with new ideas. To help you in this regard, given below five things you can do to up your game and improve sales.

  •         Analyze Your Customer Base And Focus on Them

The first step is to identify specific clientele and groups to focus your energy on. You have to understand that not everyone if your potential client and trying to sell something to someone who doesn’t need it only results in a wastage of time and other resources.

The first step is to understand your target audience. For example, if you sell baby products, then your target should not be babies but their mothers as in most cases mothers shop for babies.

You can further pinpoint your target audience by attraction women between the ages of 20-40 as this is when most women give birth. This way you will be able to target exactly who need and increase your chances of making a sale.

It is all about generating leads and concentrating on leads with a higher success rate. However, this is possible only if you know clearly who your target audience is.

  •         Offer a Solution

Often times sales reps are solely focused on selling their product without caring for what customers really want. This can put off buyers who think you’re only concerned about your own commission.

Try to put yourself in their shoes and talk from their perspective. Highlight the uses of your product and convince buyers about why they need it and not why you need to make a sale.

  •         Train Your Staff and Be Flexible

Train your sales team as sales team development is very important if you wish to make more sales. Teach your sales staff to be more welcoming and positive about the sales journey and also educate them about how to retain customers.

You should also allow them to use some personalization as it can help increase revenue by about 8%. Product customization can make buyers more interested in a product, and allow you to make more sales.

  •         Use Good Advertising

Good advertising can help you reach out to millions of potential clients. Use the latest advertising methods to improve ROI and reach as many people as you can.

  •         Price And Quality

Make sure to provide high quality products/services at affordable rates. You will not be able to make many sales if the product is low or the price is too high. In such a scenario, customers will move to the next best option.

Improving sales can be a lengthy process, being patient and applying the techniques mentioned in this article will surely help you grow.


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Jul 172018

4 Ways to Increase Your Bottom Line

By |July 17th, 2018|Personal Finance Tips|0 Comments

Do you feel like you’re not earning enough? You’re not alone. Just 19 percent of American employees feel comfortable with what they’re earning, and 60 percent say they would need another $6,000 a year to feel secure, an Indeed survey found. Two-thirds of Americans are saving 10 percent or less of their income, with one in five not saving anything at all, according to Bankrate research. Among those who aren’t saving, 16 percent say it’s because their job isn’t paying enough, while 39 percent say it’s due to expenses.

Getting ahead in this economic environment requires taking proactive steps to improve your financial situation. Here are four strategies you can use to increase your bottom line.

Take Control of Your Spending

If you feel like you’re not making enough, one reason may be that you’re spending too much in proportion to your income. Taking control of your spending by creating a budget can help you keep more of what you make. A simple budgeting strategy is the 50/20/30 rule, which prescribes putting half of your monthly income toward covering fixed spending on necessities such as rent and two-tenths toward saving and repaying debt, leaving three-tenths left over for discretionary spending on variable expenses such as entertainment.

Setting this limit on your discretionary spending will help you keep more of your earnings. You can even allocate less than 30 percent of your income toward discretionary spending if you want to increase your savings or repay your debt faster. Using a retirement savings calculator can help you determine how much you should be saving each month in order to meet your long-term financial goals.

Position Yourself for Career Advancement

Your shortest path to increasing your income may be asking for a raise or promotion. Your odds of getting a raise if you ask for one are high, Payscale research shows. Among those who ask for raises, 70 percent get one, with 39 percent getting the amount they asked for and 31 percent getting a raise that was less than they asked for. Before asking for a raise, research what other workers with similar positions are earning at other companies, so you know what a reasonable salary request is and so you know what other options you have if your employer won’t agree to a raise.

Whether you’re looking for a raise or a higher-paying job at another company, you can increase your career advancement potential by furthering your education. In some fields, earning a certificate for a specific skill set may be sufficient to boost your salary potential, without necessarily requiring you to complete a full degree program. You can earn your certification in a traditional educational environment or through online distance learning programs such as EdX professional certificate programs. You can also pick up practical business skills through resources such as Amway Education, which offers a comprehensive 80-lesson virtual course covering the fundamentals of sales, marketing, and business leadership.

Start a Second Income Stream

Another way to increase your income is to start a second revenue stream to supplement your regular job. One way to do this is by starting a part-time business. For instance, if you have writing, graphic design, or web design skills, you might consider starting a freelancing business. If you like to drive, you might become an Uber driver. If you like pets, you might consider becoming a dog walker. Entrepreneur lists 50 ways to earn money from side hustle jobs.

You don’t necessarily need to start a part-time job to open a second income stream if you consider passive income opportunities. For instance, if you have a spare room, you can rent it out on Airbnb. Other passive income ideas include investing in crowdfunded real estate, earning money from peer-to-peer lending, or allowing advertising companies to pay you to use your car as a billboard.

Leverage Your Savings and Investments

Another strategy for increasing your long-term income is to leverage your savings through smart investments. If your employer offers a 401(k) matching plan, you should normally max this out before pursuing other investment vehicles. If you’ve already maxed out your 401(k), you can pursue other investment options. Low-risk investment strategies include options such as municipal bonds, indexed annuities, and universal life insurance. You can mix these with higher-risk strategies such as variable annuities and variable universal life insurance.

A different approach to investment is to invest in hard assets. Investing in real estate can be an excellent way to pad your nest egg. If you don’t want to actually purchase and manage properties yourself, you can invest in assets such as real estate investment trusts (REITs), which allow you to pool with other investors to earn dividends from companies that own real estate without owning any yourself. Other popular real asset investment options include gold, silver, and collectibles such as art sports memorabilia and comic books.


If you’re looking to increase your bottom line, decreasing your monthly spending and saving more can be an efficient place to start. Asking for a raise can be a quick way to boost your pay grade, while training for a new position can position you for long-term income improvement. Starting a second income stream by taking a part-time job or pursuing passive income opportunities is another effective way to increase your earnings. Smart savings and investments strategies can help you leverage what you earn in order to build a future long-term nest egg.


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Jul 162018

Foods That Are Super Healthy

By |July 16th, 2018|Personal Finance Tips|0 Comments

The best part about food is that there is a food for everything. Like literally everything, diet food, comfort food, food to gain weight, food to improve skin tone, food to bulk up. So naturally, it isn’t that shocking to find out that there are foods that boost sex drive for both men and women. Also food that helps you to keep your energy levels high so that you can play at real money casino online and stand a chance to win big.


Spinach is one of the foods that can help increase sex drive. This is because spinach is rich in a mineral called magnesium. This magnesium decreases inflammation in the blood vessels, which in turn increases blood flow. This means that blood flow down south is increased. As a result, this makes orgasms easier for women and erections come naturally to men.

Green Tea

Green tea is well known for all its numerous health benefits, like how it reduces belly fat and speeds up the liver’s capacity to turn fat into energy.  When relating the tea to sex drive, it has compounds called catechins, which also increase blood flow. The compounds do this by killing free radicals that damage and inflame blood cells. And when blood flow increases, we can all guess what happens next.

Casino Game Food?

With there being a food for everything, it would not be shocking to find out that there are foods that help boost online casino game performance to get the best online casinos to play at visit https://www.jackpotscasino.org/canada/ and stand a chance to win big.


The watermelon is both a fruit and a vegetable. Although it is made up of more than 90% of water, it has amazing health benefits. Research indicates that part of the ingredients in that meagre 10% margin have Viagra-like effects. Those very same ingredients relax the blood vessels, and like the other two, increase blood flow. And well, the rest is history.


Appearance wise, ginseng is not appealing. Regardless of that, ginseng is very healthy and also helps to boost libido. A study conducted showed that women who took a ginseng supplement upped their libido by at least 60%. It is also key to note that, most energy drinks have ginseng as one of the ingredients.


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Jul 132018

Interest Rates Rise Again: How it Will Affect Borrowers

By |July 13th, 2018|Personal Finance Tips|0 Comments

Lately, mortgage interest rates continue to increase.  In fact, they are approaching a high that hasn’t been seen for years.  We were just seeing historical lows with our interest rates, so this is a sharp contrast.  When interest rates increase, this is often a sign of a healthy economy.  This has both positive and negative sides for people in the market to purchase a home.

On the positive sign, unemployment is low, and wages are increasing.  The negative side is what the increase in interest rates does to your purchasing power.  With rates on an upward trajectory, it can make it difficult to budget and decide how much of a mortgage to take on.  Here are some of the ways that rising interest rates can affect you as a borrower.

Buying Power

When seeking a mortgage, many factors come into play in deciding how much of a mortgage to take on.  Are you putting down a sizeable payment, such as the full 20% or will you need to finance more than 80%?  It pays to shop around to find the best mortgage option for you.

While a .25% difference doesn’t feel like a big deal, over the life of your loan, it can mean tens of thousands of extra dollars.  Don’t think in terms of the small hike in your monthly payment, think of the amount over the life of the 30-year loan.

When mortgage rates are on the rise, it makes it more complicated to settle on a home.  The smallest of changes can affect your monthly payment and put you in a situation that might not be as comfortable.


When interest rates rise, it signals a very healthy economy.  With unemployment levels falling and more and more people feeling confident in their positions and with their earnings, this means more people in the market for homes.

When you have more buyers entering the marketplace home values, begin to rise as well.  Buyers won’t have as much power in the negotiations because sellers are often getting multiple offers above their asking price.  While great for the seller, this means more work for potential buyers that are trying to stay on a strict budget.


There are pros and cons to rising interest rates.  One thing is for sure, the Fed just raised interest rates and had announced plans for multiple other raises this year alone.  If you are in the market for a new home, don’t delay begin the process now.  It can mean saving ten thousand or more dollars over the life of your loan and depending on the amount of mortgage you take on.

There are some fantastic properties out there including the Colorado real estate market, which is hot right now!  Wherever you look for a home, make sure you take the rates into account and work closely with your mortgage broker to cover any other fees that might be associated with buying a home.


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