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10 Quick And Cheap Ways To Cut Your Heating Bill
When you received an energy (heating) bill last winter, were you afraid to open it? Granted that we have a home with a lot of really big windows, but we saw energy bills last winter in the hundreds of dollars. Your bill probably wasn't that bad but I'm guessing that it was a lot higher than you would have liked. The good news is that there are some inexpensive things you can do to cut that cost. Here are 10 of them. 1. If you have a fireplace, be sure to keep the damper closed. You can lose up to 5 percent of your heat if your damper is open when the fireplace is not in use. 2. Keep your furnace filter clean. Replace it at least once a month during heating season. This alone can cut your heating costs by as much as 5 percent. 3. Be sure to keep inside doors open to improve heat circulation. This will help the efficiency of your heating system. 4. Lower the setting on your thermostat. If you can reduce your daytime indoor thermostat temperature from 72 to 68 degrees, you should save about 5 per- cent during the heating season. 5. If your hot water pipes and water heater are warm to the touch, insulate them. This will reduce heat loss and water heating costs. 6. Every minute you cut from your shower saves three gallons of water and the energy required to heat it. 7. Install compact fluorescent (CFL) bulbs. Over the life of just one of these bulbs, you'll save about $15. Use just a handful of these around your home and you could notice a difference in your energy bill. 8. Motion detectors put light where you want it, when you want it, for brief periods of time. They provide safety and security for you and your property, but require much less energy since they are on only when you need them. 9.Be sure to check for cold air leaks at doors and windows. If you have a question as to whether or not they are leaking cold air, light a match and hold it at the bottom of the window or door. You should be able to see very quickly if there is a draft. 10. Apply weather stripping around any doors that are leaking air, and caulk around all your windows. Weather stripping can be purchased from just about any hardware store, as well as stores like Home Deport and Lowe's. For FREE help with debt and credit, subscribe today to Douglas Hanna's free email newsletter "8 Simple Steps to Debt Relief" at http://www.all-in-one-info.com.
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Finance:Personal Finance Articles from EzineArticles.com
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02/19/2021 09:21 AM
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How Do I Optimize GIS Payouts?
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First off, what is a GIS payout? This is a guaranteed income supplement to the OAS payout which occurs when you begin to receive OAS payments between the ages of 65 to 70. You are eligible for GIS if your income is below $18,624 for a single person in 2020. There are different income thresholds for couples and whether or not one or more spouses is receiving the OAS pension.
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02/12/2021 10:18 AM
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The Best Retirement Income For 2021
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It's a fact that your retirement income probably won't keep up with inflation. That makes it more important than ever to find ways to supplement retirement income. It's not always an easy task, but depending on your immediate financial needs and your financial situation, there are several ways to approach this problem.
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02/04/2021 08:37 AM
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Greed and Fear in the Share Market
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Greed and fear rule the markets "The markets are driven by greed and fear," is something we are often told by financial commentators; what this essentially means is that fear prevents investors from buying when the share price has reached a low point while greed prevents an investor from selling when the share price is high. The recent activity concerning the gaming company GameStop is a perfect example of how greed will get the better of a lot of investors. Few will sell for fear of missing out on the continual rise of the stock and...
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01/28/2021 11:52 AM
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Personal Financial Planning: 5 Keys
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Although, some,might, believe, there is, and, for a short - period, it may appear, to be so, there is no such thing, as a sure - thing, when it comes to the best approach, and strategy, to maximize our personal financial planning! AFter many decades, of involvement, in a variety of related activities, from, running businesses (of various sizes), to providing financial planning/ advice, to individuals, from many walks - of - life, and financial status, I have often, pondered, what might make most of us, maximize the possibilities, for success, in this important area. With that in mind, this...
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01/21/2021 09:03 AM
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Understanding 5 Investment Possibilities And Choices
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Each of us, have several options, and alternatives, when it comes to our decisions, regarding, choosing how we invest our monies, and, why we choose, one vehicle, over another! Although, there are quite a number of possibilities, the most - often, used, are: the bank; US Treasury obligations; Municipal Bonds; Corporate Bonds; and, Mutual funds/ Individual stocks. The purpose of this article is not to provide investment advice, but, rather, to attempt to clarify, the differences, possibilities, etc.
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01/19/2021 09:50 AM
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Will a Reverse Mortgage Work For You?
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Are you a retired Senior who is having trouble making ends meet and losing sleep over your financial situation? Would a reverse mortgage help you end your financial woes? How does it work and how do you benefit? I am a reverse mortgage specialist at Mutual of Omaha and have helped many seniors get their finances in order, establish a rainy day fund and enjoy the retirement they deserve.
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12/28/2020 06:30 PM
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Case Study: Do I Pay Down My Mortgage or Invest My Cash?
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If you have cash available, the question of paying down your mortgage versus investing the money will depend on many factors. This article will go through the factors to consider and what assumption are implied in the process.
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12/23/2020 03:07 PM
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International Money
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Wherever you travel, when you transfer money internationally, there will be 2 types of fees. The 1st one is the oversea transfer fee and the 2nd one is the exchange rate fee. With this special service, you can save up to 80% of those fees and it is pretty fast.
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12/16/2020 09:44 AM
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Protect Yourself With This 5 Insurance Policies
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Insurance is a necessity. Nowadays, most of our major financial decisions involve buying or getting insurance. Before you can drive, you need to avail car insurance. Before you can buy a new house, you need to avail a home insurance. Even when you buy your Apple gadget, you can opt for Apple Care insurance.
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12/16/2020 09:44 AM
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Learning Some Financial Terms
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Learning some of the financial jargon and their meaning will help you better understand how the markets work and enable you to make better financial decisions before investing your savings. You should always do your own due diligence in order to reduce your chances of making a costly mistake but at the same time work out a strategy to get the best return on your savings. It is called risk-management and this takes knowledge which is acquired from experience.
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12/10/2020 04:38 PM
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Are There Any Advantages to Paying Rent Online
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Rent payment issues are a top concern of every landlord. However, they are more concerned about not getting paid than having tenants who have a history of crime or troublesome eviction. More than 50% of Americans do not pay their bills on time because they simply forget.
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12/10/2020 04:38 PM
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4 Benefits of Online Payments for Tenants
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Tenants have busy schedules. On a regular day, they bring the kids to daycare, go to work, run out to do errands during lunchtime as well as juggle extracurricular activities and meetings..
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12/10/2020 04:38 PM
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5 Advantages of Online Rent Collection
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Landlords and property managers certainly want to improve cash flow on their rental property and to do this they have to maximize operational efficiency. Some of them continue to collect checks and money manually then enter all transactions in a blue ledger, which is outdated. This article will talk about 5 advantages of online rent payment for property owners, some of which can benefit tenants as well.
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12/10/2020 04:35 PM
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Managing Finances In Times of Pandemic
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This pandemic created havoc in our finances. Millions are unemployed, businesses are closed, planes are grounded and people are left to tend to themselves. It is time to learn from this event and start building our finances the right way.
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11/30/2020 10:13 AM
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Is It Time To Revisit Holding Cryptocurrencies?
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At the time of writing, Bitcoin was approaching a new high of $20,000 USD per bitcoin. What has changed since the last time this high was reached?
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11/13/2020 12:40 PM
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Basics of an Emergency Fund
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Nobody can predict when an emergency will happen. No matter what the emergency is, it will cost you money to fix. An emergency fund is an amount of money set aside to pay for any emergency that happens in life.
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10/05/2020 10:27 AM
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2020 Study Reveals What Medicare Supplement Insurance Plans Seniors Buy
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A new study reports what Medicare Supplement insurance policy seniors turning 65 are selecting. In 2020 the previously most popular option is no longer available.
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08/11/2020 11:38 AM
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Tips to Encourage Tenants to Pay Rent on Time
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Clear Communication Landlords are aware of the importance of communication especially in terms of paying rent for a house or apartment. They should be clear about the price of rent. They also have to put down everything in writing, including the late fees as a consequence of not paying on the due date.
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08/11/2020 11:38 AM
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Ways to Encourage Tenants to Use Online Rent Payment
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Property managers understand the stress related to the due date of rent payment. Tenants scramble to their office to beat the deadline while managers try to follow-up the residents who were not able to pay. They need to deposit checks at the bank and wait for payments that other tenants sent by mail.
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08/11/2020 11:37 AM
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Your Tenants Don't Want to Pay Their Rent Online? Try These 5 Motivation Strategies
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It is important for landlords to receive rent payments in a well timed manner so it is essential for them to look for property management payment solutions so they can facilitate this goal. How can property manages increase their chances of receiving rent payments on time? Nowadays, landlords have found an effective way to increase their revenue as well as improve their cash flow and this is by making use of an online payment portal to make lives easier for tenants and at the same time, increase the chances of landlords to receive the money due them at...
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08/06/2020 09:47 AM
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The Bottom Line: Why Shrewd Customers Use An Adviser
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Let's face it - Financial Advisers have a bit of an image problem. In the public's mind they probably rank alongside bankers, second-hand car dealers and estate agents in the trustworthiness stakes, and every investment fraud and mis-selling scandal that's gleefully reported by the press does nothing to improve this.
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08/05/2020 04:28 PM
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Top Savings Account Rates List: Some of the Best Options So Far in 2020
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Getting the best interest rates for your savings account can mean the difference between earning just $20 or $200 extra per year. Annual percentage yields of the best online savings accounts are up to 10% higher than the traditional savings accounts. The national average last year was around 0.09%, but some online financial institutions are able to give APY rates of 1.70% - 2.0%.What is 2020 looking like so far? Here is a look at some of the top savings account rates:
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08/05/2020 04:27 PM
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Best Money Market Returns: Understanding Money Market Accounts and Which Bank You Should Choose
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For the longest time, banks only offered two types of accounts: checking and savings. If you wanted to earn interest, you'd have to rely on long-term savings accounts. Today, there are numerous options, including CDs and money market accounts. The latter is a hybrid between a savings and a checking account: it allows you to write only a limited number of checks each month or make limited debit purchases, yet your money will earn higher interest than with a savings account. You should first search for the best money market returns before starting an account.
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07/24/2020 10:36 AM
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The Ugly Truth About Investment Loyalty
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Why do we remain with underperforming fund managers when it's often just as easy to move on to a better performer? is it a lack of confidence, or just apathy? Read on to get the low down!
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07/14/2020 09:45 AM
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Workers With High Deductible Health Plans Need A Better Emergency Cash Plan
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Many individuals today have selected health insurance plans that include high deductibles and required co-insurance payments. They face significant financial risk and would benefit from considering a supplement to cover their exposed risk.
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06/12/2020 08:58 AM
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Are You Looking to Open a Bank Account in Singapore?
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Whether you're a foreigner or an expatriate who is moving to Singapore, opening a bank account in Singapore is a fairly straightforward process. Net-banking has made it easy for people from different backgrounds to open a bank account in Singapore.
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06/12/2020 08:52 AM
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How Does Unpaid Personal Debt Affect My Social Security Payments?
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Did you know that there are some types of debt which can result in a reduction of your Social Security benefit payments? It's true. Certain personal delinquent financial obligations (debt) can result in a garnishment of your social security checks, thus reducing your monthly benefit payments. You may be surprised to learn that this is becoming more and more common. It is rather disconcerting to learn that so many retired Americans are dealing with this problem.
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06/12/2020 08:51 AM
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7 Great Reasons Why You Should Plan For Death!
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In 1789 Benjamin Franklin said that there are only two certainties in life - death and taxes. We all seem happy to talk about taxes, but less keen on discussing, or planning for our ultimate demise. It's as if by talking about it we are somehow tempting fate. But it can bring tremendous peace of mind not only to the planner, but also to their loved ones to know that a well thought out programme is in place for their eventual departure. Here are 7 good reasons why you shouldn't put off planning for it - old or young.
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06/12/2020 08:51 AM
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Boost Your COVID - 19 Retirement Planning With These Tips
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Bear in mind that retirement savings are for the long run. The Coronavirus (COVID-19) is having a widespread impact across all elements of financial life, including retirement plans. The current global stock exchange turbulence, as a result of COVID-19, will undoubtedly be concerning for people whose retirement savings are spent partly or entirely during these volatile marketplace conditions.
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05/18/2020 10:40 AM
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You Life Is Currency - A Radical Way Of Looking At How You Spend It
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We all must contribute to society by performing some form of duty or task or provide some kind of service or value to earn pay however, have you ever considered what that pay truly represents? In this article you'll learn what your expenses are really costing you.
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05/18/2020 10:40 AM
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Essay on How to Help Poor and Needy People
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Leaving a life that is meaningful is something that everyone needs. However, it is not something going into a spiritual quest. All the spiritual quests are going away from life. Unfortunately, you cannot find the meaning of life by going away from life.
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05/11/2020 08:08 AM
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7 Facts You Need To Know About Money Mastery
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Have you ever wondered why some people have money and lots of it and while others struggle for it? The reason is not far-fetched and I will show you in this article. When it comes to money, everyone wants more of it. However, the truth about financial freedom is that more money alone will not make you free, rather, financial intelligence is what makes you have more money and become financially free.
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05/01/2020 06:02 PM
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The Negative Economic Effects of the Coronavirus Pandemic
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The negative economic after-effects of the Coronavirus pandemic is resulting in huge financial struggles, that could potentially be worse than the Great Depression of 1929. Covid-19 is wreaking absolute havoc on a global scale with millions of people under forced lockdown, and businesses going bankrupt. The following scenarios highlight the extent of the problems and challenges we are being faced with.
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04/28/2020 08:54 AM
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Top CD Rates: The Best Online Banks and Credit Unions for CD Accounts at the End of 2019
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It's not all that difficult to obtain a good CD rate these days, with all of the online banks trying to outdo each other by making their offers seem as enticing as possible. Just pick a few banks that you think you might want to put your money into and check their APY to learn the top CD rates.
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04/27/2020 10:13 AM
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Best Money Market Yields Overview of the Top Online Banks and Their APYs for MMAs
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Are you interested in opening a money market account? This kind of account is a type of deposit account that is offered primarily by credit unions and banks of all sizes. It pays interest on the deposits and can be used for long-term or short-term savings Some withdrawals may be allowed with some restrictions. Some common uses of creating a MMA account include emergency savings, money to put away that will eventually be used as a car or home down payment, and money that might be put into stocks and other types of investments at some point. Only consider putting money in a bank that has the best money market yields.
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04/27/2020 10:12 AM
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Compare Savings Account Rates: Info About Online Banks and Interest Rates
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Before taking your money to the nearest bank to start a savings account, you might want to look into its interest rates at first. It's usually the banks that operate primarily online have the highest APY and lower fees. The national average is around 0.9%, but if you take the time to compare savings account rates online, you'll very likely find a good bank with around 2% APY. With this kind of rate, a balance of $5,000 would mean an extra $100 per year.
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04/27/2020 10:03 AM
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Fixed Rate Savings Accounts: What Are Your Options, and What Kind of CD Strategy Should You Use?
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It is quite common for people to look for savings accounts with fixed rates. However, traditional savings accounts usually have variable rates. For true fixed rate savings, you'll have to consider a CD account or a savings account that accumulates a predetermined interest rate for a set period of time, or the "introductory period", after which, the rate could go either down or up, depending on how much money you put into the account. There are usually different levels or tiers of savings accounts, and you might be required to continue putting more money into the account if you want to keep a decent APY rate.
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04/20/2020 05:22 PM
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No Fee Savings Account and Other Important Factors to Consider With Online Banks
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You should never have to pay any fees for keeping a savings account. It should the bank that pays you interest for keeping your money in their institution loan term. Whether you simply want to create an emergency fund or are interested in certificates of deposit, you should look specifically for a no fee savings account.
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04/20/2020 01:07 PM
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Covid-19: Four Ways to Survive and Thrive in Challenging Times
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The fragile global economy has taken a major hit from Covid 19 pandemic. The global supply chain(s) was the first economic system to be impacted by the Coronavirus outbreak occurred in China. Since then, business operations and personal finances have been on a downward spiral due to the lockdowns and "social distancing". Therefore, its important to look at time-tested ways to reduce the consequences to our wallets. We also have a large number of alternative financial opportunities available (to us) using the Internet.
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04/20/2020 01:07 PM
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Covid-19 and Our Money: Fighting a Psychological Battle
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SUMMARY It is easy to see how the Covid 19 pandemic has dealt a harsh blow to the physical health global community. It is important to recognize the Coronavirus is impacting our lives in other ways. People's mental and emotional well-being has been negatively affected. There are effective techniques to deal with the stress-related to the psychological effects of unemployment and cabin fever lockdown syndrome.
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04/20/2020 10:04 AM
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Top Ten Savings Accounts: A Quick Summary of Some of the Best Online Banks & What They Offer
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If you're someone who is looking for a safe, yet potentially profitable way to put your money, then the best solution is a high-yield savings account from a reliable, strong financial institution. You don't necessarily have to choose a traditional bank, either. There are some good online banks to choose from these days, although not all of them are equal. Here are the top ten savings accounts to look into (no specific order)...
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04/20/2020 10:03 AM
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Covid-19 and Our Money: Managing Money and Staying on Top
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The Covid 19 outbreak has caused major disruptions to people's finances and the global economy. However, there are proven ways to survive and thrive even in the most challenging of situations. It is important to stay calm and clear-headed in order assess the severity of the situation (such as the Coronavirus pandemic) as it applies to you. From there, you can implement reliable financial safety measures and assess your long-term prospects in relation how the situation is impacting your personal life.
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04/13/2020 05:20 PM
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Get Back to Work to Avoid the Train Wreck
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When the coronavirus stay-in-place orders started, the time at home seemed like a timeout from the frenzy of office life. With considerable curiosity, I absorbed the statistics, news articles, videos and just about all the information that I could find. New concepts of the day featured: social distancing, flattening the curve, asymptomatic, and reaching the peak.
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03/28/2020 07:49 PM
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Protecting Our Economic Health Despite Corona
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As I sit in our home in self-isolation, I ponder our country's economic health over the next several months and beyond. Watching people mobilize to fight an invisible coronavirus is certainly inspirational. We all know that managing individual behavior will go a long way towards slowing down and eventually stopping the spread of this frightening pandemic.
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03/26/2020 09:27 AM
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5 Possible Ways To Cut Expenses During A Crisis
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After, over four decades of involvement, in a variety of executive, business, and financial positions, as well as consulting, I have often assisted, those. in - need, in considering, ways to reduce their personal expenses, in as unobtrusive way, as possible! Although, health considerations, must be, our highest priority, during these times, many people, because of the impacts, of necessary restrictions, and limits of business activities, and the associated, loss of wages, and asset value, need to seriously consider, and address, a way, to reduce their expenses, in a reasonable, responsible, relevant manner.
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03/23/2020 09:44 AM
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What Is Time Deposit?
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Fixed-term deposits represent a form of investment in which a certain amount is invested at a certain interest rate and for a predetermined period. The conditions, i.e. amount, interest and investment time are contractually agreed on beforehand. After the agreed time span has elapsed, the amount invested and the interest will be paid to the customer's reference account. That is why you refer to this type of investment as a time deposit. A condition of any fixed-term deposit contract is that you cannot access the deposit during the investment period.
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03/19/2020 09:21 AM
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Why Don't They Give More?
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Some people control so much money that it would seem that they could give more of their wealth to help other people. There are lots of people in this world who could use a helping hand.
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03/09/2020 01:11 PM
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What You Really Need to Know About Online Rental Payments
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Letting tenants pay rent online is the most efficient way to receive payments with ease, establish a good landlord-tenant relationship and minimize stress for both parties. For those who are not aware of the benefits of paying rent online, this post will provide more information concerning this. Here, I will explain everything people need to know regarding online rental payments in terms of reliability and transparency.
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02/05/2020 08:45 AM
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5 Ways That You Can Retire on Your Terms Even If You Are Getting Started Late
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Here are 5 ways that you can still retire on your terms, even if you haven't saved a million dollars. The media has done a disservice to Baby Boomers by selling the "Lump Sum Scare". Here's how you can take control of your retirement plan.
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01/16/2020 08:58 AM
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Why Inflation Hurts the Aged Maximum
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There is a convincing reason for the aged to work even after retirement from work in certain countries especially if their retirement benefits are not large enough and inflation is more than the optimum level. Inflation at best captures average price of a predetermined basket of goods. Individuals, however, have different preferences for goods.
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