Healthy Financial Habits

Craigslist used cars for sale by owner autos online – Used cars from Craigs list are a cheap alternative to purchasing new

admin — Fri, 30 Jul 2010 10:00:32 +0000

In today’s economy, not too many things are certain. When it comes to providing reliable transportation, finding a good car at a great price can often prove to be a difficult task. For years, Americans have been saving thousand of dollars on new vehicles by purchasing used.

In the past, newspapers were the way to go when it comes to finding a great deal locally. Today’s fast paced world offers more options when it comes to shopping for a used car. Websites such as Craigslist offer consumers a larger variety when it comes to purchasing a used car. Purchasing used online can literally save you thousands of dollars when compared to purchasing used from a dealer or even new from a dealer.

Purchasing a used vehicle from Craigslist will in fact require more work than simply visiting a dealership, but in the end its worth knowing that you saved thousands of dollars. Before running out and picking up the first car that you find, there are a few simple rules that you should follow when shopping for a vehicle on Craigslist.

First, always do your homework first. Know what you are looking for before you begin your search. Examine all features from safety to performance and fuel mileage. Once you have an idea of what you want, start shopping around. When you are serious about purchasing a particular vehicle, be sure to have it checked out by a mechanic.

Author: Mike Smitt

Best low 0 percent interest rate balance transfer credit cards – 0% No APR credit card balance transfer deals July 20, 2010

admin — Fri, 30 Jul 2010 09:45:53 +0000

Balance transfer credit cards are a great way that consumers can decrease the amount that they owe on their credit cards. Many consumers have successfully lowered their credit card balances using the balance transfer credit card. What makes this card so powerful? The 0% introductory rate of course.

Using a credit card that offers a zero percent introductory rate means allows the you to pay down your debt while enjoying no interest. With some credit card interest rates as high as 20% or more, this means you will pay no interest and all principal with every payment. Avoiding interest makes paying back your credit card much easier. Many people remain in debt because they are unable to get ahead because of high interest rates. Using a balance transfer credit card eliminates the need to pay interest.

Healthy Financial Habits likes to keep you up to date with the daily balance transfer credit card deals. Here are today’s top picks for balance transfer credit cards:

Chase is currently offering the Freedom Visa card with no interest for a year and no annual fee. This card carries a variable interest rate as low as 12.99% after the introductory period. In addition, you can earn cash back bonuses when you use this card.

Discover more savings with the Discover More card. This card offers a full year of no interest in addition to a $75 cash back bonus when you purchase $500 on this card. The interest rate after the intro period is variable and around 11.99%. Also, enjoy no annual fee.

Author: John Zinsky

Residential vertical wind turbines and solar panels for the home – Tax breaks, incentives, and credits including the energy star tax credit

admin — Fri, 30 Jul 2010 09:30:53 +0000

Have you ever wondered what it would be like to totally fall off the power grid? Well many Americans are experiencing this as they discover wind power and solar panels for the home. Solar and wind power have been making a huge appearance lately as several tax breaks, incentives and credits are currently being offered.

Perhaps the most widely known tax credit is the energy star tax credit. This tax credit allows homeowners to claim a credit for 30% of the cost of their new energy star systems. Many Americans who would have otherwise not installed an energy system in their home are now doing so because it have become more affordable with this credit.

There are several other incentives available from each individual state. Some of these credits are for solar energy while others are for wind power. Check with your state to see how installing a home energy system can be beneficial to you. Between the state and federal incentives, you can literally save thousands of dollars on a new system, making it well worth it.

When deciding on a system, first examine your current power usage. The amount of electricity that you use is available through your power company or can be seen on your electric bill. Use this as a guide when shopping for a home energy system

Author: Greg Jackson

Applying for social security disability benefits online – Application for SSI SSD benefits available online at ssa.gov or socialsecurity.gov

admin — Fri, 30 Jul 2010 09:15:10 +0000

These days, many Americans are applying for social security benefits. With a flood of applications, applicants often get frustrated with the amount of time that it takes for their application to process. Having your application processed in the fastest manner possible could be as simple as having your information together and filling out the application for social security disability benefits online.

The application for disability benefits can be viewed and filled out online by visiting ssa.gov or socialsecurity.gov. Both of these websites will get you to the application that you need. When it comes to applying for socials security disability benefits, the first thing that you should do is review the adult disability checklist. Once you have looked over this checklist, fill out the application for adult disability. In addition, you will be required to complete the medical and work history form and the medical record release from.

Completing the application correctly is important because one simple error can really cost you a great deal of time. Be sure that you double check the information that you enter before you submit your application. A simple error can literally cost you several weeks when it comes to completing your application.

Author: Allen Dukes

Foreign currency exchange rates converter – Free money conversion calculators available online give the latest currency exchange rates for the euro and dollar

admin — Fri, 30 Jul 2010 09:00:21 +0000

In today’s currency market, things can go up and down at a moments notice. Anyone interested in trading currency or traveling to another country that uses a different currency should check out the current exchange rate. Exchange rates vary hour by hour so if your want the most complete and up to date rates, there are several currency converters available that can do the job.

A simple Google search will show dozens of websites who offer great tools for converting currency. These tools can be used to find the latest exchange rates for over one hundred different currencies. If you are looking for a simple currency conversion tool, you may want to check out the one that is offered by Google. The Google currency converter offers a simple, no frills way to come with the current exchange rate. There are other websites such as xe.com who offer similar tools but have several visuals to go along with it.

Whether you are traveling this summer for vacation or simply trading currency, keeping up with the latest exchange rates is a must. Perform a Google search for a currency converter that fits your needs. There are several to choose from and almost every one is offered for free.

Author: Allen Dukes

Walt Disney World vacation packages in Orlando Florida attract vacationers – Great cheap discounted Disneyworld packages make affordable summer vacations

admin — Fri, 30 Jul 2010 08:45:17 +0000

Only a couple of weeks remain until the kids go back to school and Disneyworld is calling your name. That was of course before you realized that you can not afford to go on vacation this year. Many Americans are staying home this year because of financial difficulties that they face.

Disney World is among the many attractions that are currently offering great discounted deals on tickets and attractions. These deals could mean the difference between going on vacation with your family and staying home this year. If you are considering a vacation this year but have ruled out Disney, you may want to think again once you see the great deals that are currently being offered by Disney.

Right now for example, Disney is offering incredible deals such as a free dining plan when you pay full price at select resorts for five days. Other great deals include free lodging and admission for your children if you visit Disney during select days. These deals and other great deals can be found at the official Disney website.

Going on vacation this year is possible when you purchase your tickets and resort at an incredible price. Check out all that Disney has to offer today.

Author: Abdullah Patel

United States American Eagle gold bullion coin price value today – Gold prices down means a great time to buy gold coins

admin — Fri, 30 Jul 2010 08:30:09 +0000

Recently, gold prices have taken a hit, losing nearly $100 per ounce in recent weeks. Every investor knows that the time to buy gold is when it is on sale. Right now may be one of the last opportunities to get your hands on gold bullion coins before prices skyrocket.

Gold prices have been on the incline for nearly a decade now and many analysts predict that gold will soar even higher. Some are even predicting that the precious medal to reach over $5,000 per ounce before its all said and done. If you have ever considered purchasing gold, there is no better time than right now to do so.

The American eagle gold coin is a popular choice when it comes to purchasing gold. Gold coins are a great choice and the gold eagle seems to be the preferred choice in recent years. Many investors flock to the gold eagle because is carries a guaranty from the United States government. This means that you know what you are getting when you purchase the gold eagle.

Purchasing the gold eagle can be as easy as visiting an online retailer or perhaps checking out a local dealer in your area. Auction websites such as eBay offer gold at some really great prices. When dealing with eBay, be sure that you purchase from a reputable dealer.

If you are interested in purchasing the gold eagle, you can pick up an one ounce coin for around $1,240 per coin.

Author: Carla Kessler

Time Warner Cable high speed road runner vs AT&T Uvese high speed internet – Price, speed, cost comparison of internet service providers

admin — Fri, 30 Jul 2010 08:15:47 +0000

For years, Time Warner has dominated the internet service provider market with their “blazing fast” internet speed. Recently, At&t u-verse has been gaining market share with their version of fiber-optic high speed internet. At&t is slowly entering into new markets and gaining market share with incredible introductory rates. When it comes to connecting to the internet, everyone wants a fast and reliable connection.

Both Time Warner and At&t deliver an incredibly fast internet connection. Depending on the area that you live in, you can receive speeds that exceed 24mbps. When it comes to speed, U-verse has been praised because they provide a dedicated line that delivers constant internet speeds that never fluctuate. Your internet speed will always remain the same.

In a price comparison, Healthy Financial habits found that the two services are competing very closely. Depending on the area that you live in, one may be priced higher than the other. Overall, the prices are very similar between the two services.

So which service is better? Well that all depends on how you use your service. If you are combining internet, cable, and phone, you may find a great deal with Time Warner because they offer discounts when you bundle. Stand alone service may be cheaper with At&t. In addition, At&t is also offering some really great package deals.

Author: Mike Smitt

Craigslist used cars for sale by owner autos online – Craigs list cars offer cheap used automobiles for struggling Americans

admin — Thu, 29 Jul 2010 10:00:39 +0000

In today’s economy, millions of Americans are struggling just to get by. When it comes to coming up with cheap, reliable transportation, more people are finding it difficult to find a vehicle that is affordable and meets their budget. Sometimes, even used cars at a dealership can be expensive.

Luckily, the internet has revolutionized the way that we purchase vehicles. More people are turning to websites that offer users a way to search thousands of autos with the click of the mouse. Craigslist is a popular website where you can purchase anything from a used vehicle to second-hand clothes. Many people are choosing used for sale by owner vehicles over new dealership vehicles because they are much cheaper. Used vehicles that are only a couple of years old can be purchased for up to half of the original sticker price. This is possible because of the fast rate that most vehicles depreciate.

When it comes to purchasing a vehicle online, you should always proceed with caution. One unfortunate downside to Craigslist is that there are many scammers lurking this website. Never cash any checks and send someone money or agree to have the vehicle shipped from another country. These claims are 100% fraudulent and could cost you thousands of dollars.

Author: Mike Smitt

Best low zero percent interest rate balance transfer credit cards – No APR 0% credit card balance transfer deals July 29, 2010

admin — Thu, 29 Jul 2010 09:45:17 +0000

A popular credit card these days is the no interest 0% APR balance transfer credit card. Many Americans are searching for way to lower their credit card balance and have found the zero interest credit card to be one solution. This card allows its holders to enjoy no interest while paying down their balances.

Right now, there are several banks that offer no interest credit cards for up to 18 months. Most banks offer introductory rates that are either 6, 12 or 18 months. These cards charge a balance transfer fee which is usually around 3%. When shopping for a credit card, keep an eye out for high balance transfer fees. In addition, you should watch out for excessively high interest rates after the introductory period.

Here are a few balance transfer deals that are available today, July 29, 2010:

Get an incredible 18 months of no interest with the Citi Platinum Select Mastercard. This card comes with no annual fee and a post introductory rate as low as 11.99%. In addition, this card offers 0% on purchases for one full year. As always, enjoy Citi’s Identity theft solutions with this card.

With the Discover more card, you not only get a full year of no interest, you also get $75 in cash back bonuses when you charge $500 on your card. This balance transfer card receives an interest rate as low as 11.99% after the introductory period. In addition, you can receive 1% unlimited cash back and 5% on select categories.

Author: John Zinsky