How to Start Making Smart Financial Decisions

Analyze the way you use money. Think before  you act, a general thought to have a viable idea of such.

One way to be smart is to reduce the amount you were paying to banks and credit card companies. Add up what you were paying your bank for using your own money, and then shop for a bank with lower fees on the services you use. For example, if you use the ATM look for a bank that doesn’t impose a charge for withdrawals. If you write only a few checks each month, look for a basic account. Compare the costs of small local banks to better known large ones that have branches in your community. Find out whether there is a way to get a better deal by consolidating your banking business in one place. Figure out that using your credit cards, is costing you. If you are paying an annual fee, look for a card that doesn’t charge one or at least charge small interest. Compare the interest rates of various cards charge, especially if you occasionally have to spread out your payments. Find out any resources. Ask what is the costs to take a cash advance instead of using an ATM that debits your checking account.

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High Quality for Low Prices

When you hear that a store is off-price, don’t assume that the merchandise it carries is damaged or made from lesser quality materials than what you can buy at a department store or boutique. In fact, the definition of an off-price store is one that sells only brand-name, nationally known labels. The only difference between the items at an off-price store and those at a fancy boutique is the price. So, if you are looking to get the best buy without compromising fashion or style, off-price stores may be one of your best options.

At off-price store, you can find designer, brand-name items at a very good price. Off-price stores buy their merchandise from the same manufacturers as department and designer stores, and negotiate pricing so that they can then sell the garments to consumers at a discount. Preseason shopping is about the only thing you can’t do at an off-price store.

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Why Ipad and Tablet are Popular?

Yes. Why Ipad and tabs are so popular? Why people are addicted and dying to have one? Wht are they not contented with what they have? I am not angry and  complaining. LOL. I am just wondering. :-)

Well, obviously because these gadgets are so handy, cute, cool and of course up to date. You look so nice if bringing up tabs or iPad with you. Aside from that, laptop is quite heavier than them. So as a trend they just go with their tabs while roaming around and there they can use it anytime, anywhere as long as connection is available. I admit I want to have one too! Maybe an iPad is the newest one but not my personal priority at all. I can live without that still. I have my laptop so it is very okay. It is working well until now, and we are not heading for any travel so I can still bear with this one.

But still it's nice to have one of those. :-)))

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Money and Fame

Just a week ago, Philippines hero Many Pacquiao lost against Bradley. People were so crazy in their judgement and reaction! Fans cannot accept the decision made by the three judges. They want their hero Pacman win the game! Even Pacman’s mom (ooh yeah, also me, ha!) wants a rematch. This is in between money and fame! In my own observation, not all of the time a person will have the luck. Maybe that time it’s Bradley’s time and not for Manny Pacquiao, oops! Ooh no. Expectation were to high, that is why lossing feels agony for all followers and fans and even his family members. Well, have you seen the score? It seems there's something on it, aint it? Manny has his fame and money but still not contented at all? This is only my views.
Well, after a week Manny Pacman was declared as a winner but the belt cannot be given to him. It seems like useless declaration for me! But then again, it is not my business at all! This is just my thoughts!

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