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Tax Season! Which Is Tax-Prep Service Is Right For You?Thursday, March 12th, 2009
Intuit’s Turbo Tax: Known as being one of the easier programs to use, last minute filers and avid investors can quickly files and obtain the most deductions possible. It also comes with support features that ensure accuracy. Filers only pay for the service when they print or e-file. Posted in Finance | Thrive in Your New JobThursday, March 12th, 2009
Know Your New Employer: It may sounds simple, but knowing the ins and outs of your employer goes a long way. Take the time to research the dress code, hours of operation, and other expectations. This will assure your boss and your colleagues that you’re a great fit. Roles and Responsibilities: You should be clear on your job and responsibilities from Day One. If you are not, set some time aside with your supervisor to define your role in the company. Demonstrate that you on top of priorities by knowing what is expected of you. This will help you be prepared for challenges as they come. Communication and Correspondence: Companies have different styles of communications—some are more formal and some are more relaxed. Keep this in mind during your first few weeks on the job. If you are uncertain of when sending casual correspondence is appropriate ask a colleague. Above and Beyond: Demonstrate to your new boss your enthusiastic attitude by offering to take on extra responsibilities. If a task falls outside of your regular expectations, don’t be afraid to volunteer for the assignment. Your initiative to succeed will not go unnoticed. Your Performance: It is not uncommon for employees to ask for informal job performance appraisals. Once you’ve settled into your new job request a meeting with your boss to discuss feedback on your day-to-day responsibilities. Ask if you are fulfilling expectations and then evaluate how you can exceed them. Posted in Career | Help Your Car Last LongerThursday, March 12th, 2009
Regular Checkups: Don’t forget the importance of regular checkups. Schedule appointments at your local auto shop with a mechanic you trust. This can help prevent problems that could lead to major money fixes down the road. It will also keep you running smoothly. Test Your Tires: The pressure level in tires is one of the most commonly overlooked maintenance steps. It is also one of the cheapest and easiest steps to accomplish. Checking tire pressure can potentially save you a lot of money—under-inflated tires wear out faster and have a higher tendency to blow out. Drive With Care: Don’t forget to be gentle on your car. Avoid excessive wear on your engine, transmission, and tires by accelerating and stopping slowly and smoothly. Remember not to fly over speed bumps, tailgate, rev your engine, or drive over potholes as years can be added onto your car. Posted in Automotive News | Giving Back During Financially Difficult TimesThursday, March 12th, 2009
If you would like to continue donating there is a silver lining. Find encouragement by expanding your idea of charitable giving. If you can assist non-profit foundations monetarily, be grateful that you can give, even if on a smaller scale. If your budget does not allow for this, giving your time and expertise is a valuable resource. Use your skills for bookkeeping or building repairs will help foundations save money for the primary focus and purpose—to help those in need. Another outlet for your magnanimous spirit is to exchange tangible birthday and holiday gifts for donations to your favorite charity. Adopt a school is your best friend’s name. Or add a St. Jude’s donation card to your own birthday list. You will be giving help and support as well as being thoughtful. Lastly, take a good look at what you have and what you need. This may be an ideal time to clean out your closets, garage, and shed. Gently worn clothes will be much appreciated to those attending job interviews. Almost-new toys will delight many children. Do you have paint you’ve never used? It could come in handy to organizations building homes and communities. Helping others in our community does not need to cease because of the economic decline. The financial crisis is affecting all of our neighbors. And we all have so much to offer—even if it is not a financial donation. Posted in Charity | This Month’s Money Saving Tip: Rules to Ignore!Thursday, March 12th, 2009
The 3 – 6 Month Salary Emergency Fund: Instead of putting this lump sum into your emergency fund consider your living expenses. The purpose of your emergency fund is to cover your bills in times of unexpected hardship. Save enough to cover your monthly bills. Save 10% of your monthly gross income: Experts agree that it is difficult to put a percentage on your monthly savings. In our current economic climate, it may be difficult to put aside 10% of your monthly gross income. The better rule is to put aside an amount in which you are comfortable—even if it is not 10%. Furthermore, experts also warn that expecting the 10% rule to deliver a secure retirement may leave you disappointed. Life Insurance Should Be Five Times Your Salary: This rule of thumb applies to an employed person with two kids, so it is not accurate for everyone. A more realistic guide is for families to consider what they cannot afford without coverage. Once again, experts advise that breaking down your expenses is more beneficial than simply focusing on your income. When To Refinance Your Home: Most homeowners have heard that it is a good idea to refinance your home when interest rates fall by 2% points. There are many mortgages with little or no closing costs. Instead of waiting for 2%, work the numbers now to see if you could benefit from half a percentage point or more off your mortgage or keeping the rate but shortening the term. Posted in Finance | Easy Ways to Slim Down for SpringThursday, March 12th, 2009
Healthy Snacking: It’s OK to snack. In fact, experts find that eating every three hours helps maintain blood sugar levels. The key to snacking is finding healthy, satisfying foods that will curb your appetite until your next meal. This will help you avoid overindulging while encouraging portion control. So plan ahead: pack fruit, veggies, nuts, low fat cheese and granola. Have them handy for your next snack attack. Drink Water: You’ve heard it before and it’s true that drinking plenty of water is one of the best ways to lose weight. Staying hydrated has several benefits that include alleviating water weight, deterring overeating, and improving your well-being. Moreover, drinking water instead of soda or sports drinks will cut calories and sugar from your daily intake. Exercise: One of the healthiest practices you can have is a regular exercise regime. If you are just starting, begin by walking or riding a bike for 10 minutes a day. Slowly work your way up to 30-40 minutes. You’ll soon notice a higher energy level and a lower number on your scale. Since the weather is warmer and the days longer, take your exercise routine outdoors and also enjoy the benefits of fresh air! Mindful Eating: Planning ahead and putting thought into your meals will help you make healthy decisions and will discourage impulsive eating. When preparing food, measure portions to make sure you’re not consuming the recommended serving. Also, get into a practice of reading labels. When grocery shopping try to avoid foods that are high in sodium and sugar. These skills will not only lead to a slimmer physique, but also a healthier diet. Posted in Health | |
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