BullGuard is getting ready to release a brand new product: BullGuard Mobile Backup. This beta project begins testing around March 5th 2012. Qualified candidates will need to apply before that time to be considered for the project.
What's Mobile Backup all about? At BullGuard, they want everyone to enjoy the online world with ease and confidence. BullGuard Mobile Backup features a range of useful and cool tools, including:
This test is open to ALL smart phone users on most platforms including:
We are currently conducting a research study regarding Food & Snacking (#12-0137) and would like to invite you to participate using an online bulletin board. A bulletin board is a new, cutting-edge way to conduct market research. It allows you to participate from your home, office, the local coffee shop or any place that has a high speed internet connection.
The online discussion takes place: March 12th through March 16th and will require going online a couple of times each day at your convenience and answer the questions posted by the moderator. It should take approximately one hour of your time daily.
For your time and participation you will be given a $125Online Visa Code, which can be used for online purchases at any website that accepts a regular Visa card. As always, any information that you provide will remain strictly confidential. To see if you qualify, please click HERE to answer a few brief questions.
We all have personal goals that we would like to accomplish when it comes to finances, but when a family lives together it can be a lot easier to save money if everyone who earns an income learns to work together. A family of four that can generate income from each person can serve as an example of this principle. The parents are usually the ones who handle the bills in the house while kids are normally allowed to do as they please with their earnings. Often, in this scenario the family has four vehicles, TVs, different eating schedules, and many more independent expendituers. In the tough economic climate we live in, this kind of lifestyle can be wasteful. If families could learn to cooperate. the savings in everyone's wallets could be enormous. Particularly, three areas offer the most savings - transportation, food, and energy.
Bill Fingerling likes to write, spend time with his kids, cook and visit http://www.flowerdelivery.net/.
Saving pennies makes more sense in an age where an hourly job is a commodity. Unemployment is still high and consumer spending is down. It can be hard to earn money even by running a small business, simply because crunched budgets forces people to focus on the staples. In this day and age, it pays to learn how to share and how to save a buck. This means finding ways to do without or improvising to avoid having to buy a product.
1. Overpay Much?
The reason why many things cost more is just because of shipping weight. Truck drivers have to be paid, and freight is a premium. While this affects the cost of all goods, it again is most important when shopping for groceries. Powdered milk is often cheaper than fresh, and dried fruit is often cheaper and lasts longer than the equivalent of fresh food. Buying frozen packages of juice concentrate is only a fraction the price of buying bottled juices, which are also often from concentrate.
Ashley Homes likes to write about finance and economics, live green and visit http://www.lifeinsurancequotes.org/.
You’ve spent a lifetime raising a family and making sure everyone around you has been taken care. Now that you’re a bit older, you probably don’t have any fiscal responsibilities except to yourself and your spouse. If you invested wisely, you may have enough money set aside to live comfortably. However, most seniors still need to pay close attention to their finances. Following are a few earning and saving tips.
Due to the fact that people tend to become a little less healthy as they age, carrying adequate health insurance is important. This is something you should take care of when you’re younger, because as you age the price you pay for health insurance is bound to go up. Taking out a health insurance policy when you’re in your prime will allow you to have the very best medical care throughout your life and hopefully enter your senior years healthy and happy. Of course, there are no guarantees you won’t get sick, which makes carrying health insurance necessary.
Save On Insurance
If you’re like most people you probably have insurance policies on other things besides your health. Home and auto insurance policies must be maintained if you still drive or own a home, and hanging onto your life insurance is a no-brainer. All of these policies cost money. It would be a good idea to talk to your insurance agent--if you were smart you stayed with the same provider for years--and ask them about discounts for multi-policy holders. Most insurance companies will reward customers with lower rates if they have more than one policy with the company. In addition, you may qualify for a discount as a longtime customer. You can further reduce your premiums by raising your deductibles. Make sure you keep enough money on hand to pay the deductible in case you have to file a claim, because the insurance company won’t issue a check until the deductible has been paid.
Maintain a Savings Account
Saving money as a senior citizen may not be easy, because most seniors are on a fixed income. However, it is possible to put a little aside each week if you create a budget which allows a few dollars each week to be deposited into a savings account. Treat this account as an emergency fund. Don’t dip into it unless it’s absolutely necessary. Consult with your accountant or talk to your banker to come with a way to keep the money you deposit free from taxation. However, you will want to be able to access at least some of the money in case you have to file an insurance claim and pay the deductible.
Eat for Less
Although it would be nice to have your meals at a restaurant, you can eat for less if you cook at home. Shopping at a local supermarket will be cheaper than buying from a convenience store, or a gourmet food store. You can save quite a bit of money by buying the store brand instead of opting for national brand canned goods. The quality is the same, but the price is significantly less. You can add to the savings by clipping coupons. If you do it right, you can save 25% or more on your weekly grocery bill. Watch the sale ads, as well. Grocery stores usually have a variety of items on sale every week. When something comes on sale that you eat regularly, you can buy extra and store it, especially if the sale items are canned goods. In order to break the monotony of eating at home all the time, treat yourself to a night out once in a while. The change of routine will no doubt invigorate you, and give you the opportunity to meet new people.
Less Space Equals Less Work
If you’re like most people, you probably started off in your adult life by either renting or buying a small house, then moving into a larger one as your family grew. Now that your children have moved out you most likely don’t need all the space you have--and it probably takes a lot of effort to maintain your large home. You may want to consider selling your home and moving into a smaller place. It’ll be much easier to take care of, and the utilities will most likely cost much less. You can also put the money from the sale of your old home, minus what you paid for the new one, into a savings account and let your money grow.
Increase Your Income
If your finances are stretched, you may be able to make a little money by taking a part time job. The extra income can be used to buy food or pay for utilities, or it can be put into your savings account for a rainy day. You can also bring in a little extra money by selling off possessions you no longer use, like a motorcycle, snowmobile, or stamp collection. You can also have a yard sale and get rid of a lot of smaller items that you don’t need any more. The money from these sales can go into savings or used to pay bills.
Guest post from Finley Crest. Finley writes about senior care for SeniorCare.net.
The irresistible PS Vita Sweepstakes is officially starting now!
4 PS Vitas are up for grabs from Toluna!
Until March 31st, 2012, you have the chance to get your hands on the new PS Vita.
It’s simple: convert points into Sweepstakes tickets!
Buy as many sweepstakes tickets as you wish with your points (1000 points per entry) and after the Special Sweepstakes closes we will select 3 lucky winners. The more tickets you buy, the better your chance of claiming one of these great portable gaming consoles! As an added incentive to our most dedicated members, we’ll be offering the 4th, and final, PS Vita to the member who purchases the most tickets!
Don’t hesitate to get your tickets now and get your hands on one of these great consoles that will revolutionize the gaming experience with dual analog sticks, front and rear multi-touch pads, motion sensors, and front and rear cameras. You will discover completely new ways to play.
Click Here to sign up
Saving money during difficult financial times can be done with a little planning. One bill that can get expensive is your electricity bill. However, you can easily save money on electricity. Here are ten ways to do so!
Johnny Feldman likes to write, travel and save money at www.homeownersinsurance.org.
February and March Referral
Contest During the months of February and March, we will be having our best referral contest yet. The SurveySavvy members that refer the most people during the contest will receive the following CASH prizes.
Track the contest leaders on Facebook every Tuesday.
Sign up with SurveySavvy Now
Spring Double Your Luck Sweepstakes
Next month we will have 100 winners versus the usual 50 winners for our monthly sweepstakes. That's double the chance of winning and $1,000 up for grabs.
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Because the economy is not the greatest, people are always on the lookout for a way to make ends meet. A few intrepid souls have come up with a rather unique means of making money--coupons. Traditionally, using coupons was looked upon as a way to save a few cents on a box of cereal or a can of peas, and may shoppers were thrilled if they saved a couple of bucks on their grocery bill. Now some people are actually making a profit by using coupons. Following are a few tips on how to make money with coupons.
You Have to Work At It
There is a new phrase associated with making money by using coupons--extreme couponing. As with any meaningful endeavor, if you want to be successful as an ‘extreme couponer’ you have to work at it. Nothing worthwhile comes easy. It takes time, education, and practice to master the ins and outs of making money with coupons.
Keep Your Eyes Open
Marketing experts have found that Americans are always looking for a deal--a way to save a few pennies. It makes shoppers feel good. As a result, marketers have convinced producers and retailers that they should have sales on a regular basis and that offering coupons is a good promotional tool. So, producing coupons redeemable for specified items has become a standard practice. You can take advantage of this by collecting coupons from various sources. Keep your eyes open. You can find coupons in newspapers, magazines, and grocery store ads, among a variety of other places. Once you train your eyes to look for them, it will be hard to go into a store or read a newspaper without seeing a coupon or two.
Print Your Own
Another way to collect coupons is to go to online marketplaces and find coupons that you can print yourself. There are many sources of coupons at various online websites, including such places as www.coupons.com, or www.freecoupons.com. Use your web browser’s search engine by typing in something like, ‘coupons online’ and following the links that come up. The number and variety of online coupons is on the rise. It may take some time to find coupons that you can make use of, but if you keep at it you will no doubt find many coupons that will save you money.
Not Just for Groceries
Because the use of coupons has proven to be a valid sales tactic, it should come as no surprise that coupons aren’t used just for groceries. Many electronic stores have found them useful for attracting business. In some cases, they offer a few items at drastically reduced prices just to get people in the door. Even clothing stores have recognized that offering coupons is a good way to entice people into their store. It’s up to you to be aware of the possible savings, and then find and use the coupons.
Buy In Bulk
Any business major will tell you that the best way to make money is to buy low and sell high. A good way to do that is to buy in bulk. The reason is that generally the more you buy of any one item, the cheaper it is per unit. Incorporating that into your ‘extreme couponing’ mindset means buying as many boxes of cereal or cans of peas as the store will allow. In that way you save a few cents per item and can stock up. Of course, this method works best for nonperishable items.
It is possible to actually make money by reselling the items you purchase with coupons. If you’re one of the fortunate customers to buy a computer that’s on sale, and you’ve combined that with extra savings by using a coupon, you may be able to sell that computer for more than you paid for it. As an example, an electronics store has an overstock of a laptop that is no longer being produced, and they’re expecting a shipment of a ‘new and improved’ version. In order to get rid of the old laptop and free up shelf space, they’ll drastically reduce the price, and maybe entice you into the store with an in-store coupon. When you buy the laptop you’ve saved a significant amount of money off the regular retail price, and you have a brand new computer. If you buy two or three at that price, you may be able to sell a couple and make back your investment, plus a few bucks.
Guest post from Chris Black. Chris writes about renting and renters insurance for RentersInsurance.com.
I'm Louida from Atlanta, Georgia and I'm a mother of two daughters, blogger, and full time working mom at a Business Consulting Firm.
I love helping others learn how to start working from home on the internet free to supplement their current income.
I also blog at Productreviewmom.com
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