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Cutting Grocery Costs without Cutting Nutrition
Simple, healthy, and affordable ways to weather the rising price of food
by Karen Collins, R.D., American Institute of Cancer Research
Grocery prices are projected to increase again in 2008 – that’s following 2007’s highest annual increase in 17 years. But surviving these tough economic times doesn’t have to mean sacrificing good nutrition. Some simple strategies can help you cut food costs and eat more healthfully, too.
read more...
Got a Cute Baby Pic? Free Entry! New $2500 Winner Every Month
Using Insurance to Reduce Risk
econ4u.org
All Choices Involve Risk: There are no risk-free choices. Usually, the best way to reduce risk is to take action yourself. For example, to reduce health problems, eat right, get plenty of exercise, get enough sleep, don’t smoke, avoid drugs and so forth. But, since there is no way to avoid risk completely, a common approach is to buy insurance to help reduce the financial losses that can result from bad things that happen.
How Insurance Works: ...In the real world, the fee (premium) would have to be large enough to cover not only the losses but the cost of operating the business and earning a profit. And because things don’t always go according to plan, an insurance company needs to be prepared for unexpected costs. If 10 residents have their apartments robbed, the insurance company needs to have enough cash in reserve to pay them back, for instance...
read more...
How to Save on Your Grocery Bill
A full cart doesn’t have to leave you with an empty wallet
by Kati Neville
Don’t buy non grocery items at the supermarket. Health and beauty goods are usually cheaper at mass-market retailers, like Target. And you’ll find the best deals on paper products at warehouse clubs.
Purchase oranges, onions, and potatoes in bags rather than individually. You’ll pay roughly half the price.
read more...
Fix, Freeze, Feast
by Kati Neville and Lindsay Tkacsik
In addition to recipes they also have tips for organizing your shopping list, packaging meals and preventing freezer burn...
Are women paid less than men?
by Diana Furchtgott-Roth
One of the concerns of working women is the “pay gap” – the alleged payment to women of 78 cents for every dollar earned by a man. But there are more behind these numbers than first meets the eye, because women work different hours, major in different subjects, and choose different careers.
read more...
Gut Decisions May Not Be Smart
by DEIRDRE VAN DYK
If you have ever struggled with a difficult decision — new job vs. new boyfriend, sports car vs. minivan, read the book vs. see the movie — you have likely also been offered a heap of decision-making wisdom. Make a list of pros and cons. Go with your gut. Sleep on it.
read more...
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by Natalie Pace
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You are a creator of our world. Your retirement dollars are invested in the corporations that define our existence. When you realize the power of your money and investments as tools to make you rich and to also enrich our world, you will start aligning yourself with other creative and motivated people who are invested in your success, the success of the companies you choose to support with your investment dollars and the world at large.
That is why I use such a provocative title for this foreword -- Make Love with Your Money. I am touching pleasure points in your brain when I talk about money intentionally -- to spark your endorphins. Most people still believe the old myths about money, and they carry around a lot of anger, worry, doubt, fear and loathing about wealth. "Why is that person rich? I'd make a much better rich person! I'm the one who deserves to be rich. Why wasn't I born as lucky as her?"
Being the CEO of Your Own Success
What does any of this have to do with trading stocks? Once you come to understand that you are, right now, the creator of your world -- your home, your neighborhood and by the money you invest in your retirement plan, even the world at large -- you will start thinking like a rich person instead of a victim. Victims fear money, worry about money, think that they are owed money, think they deserve money more than the next guy, and spend all their time gambling or trying to win the lottery, instead of embracing healthy money habits that lead to lasting wealth.
Too many people have fear around money. I call it "investing with stomach acid" instead of your intellect. When you trade with fear, the odds are that you will buy high and sell low. That is what fear does, even though it is the exact opposite thing that everyone knows with their brain to do.
Believing you have to make money fast before the world ends or the bank takes back your home is the kind of vulnerability that scam artists and shysters feed upon. When you secretly believe that you are going to lose money on your investments, you don't drink in the education and research you need in order to make a successful purchase in the first place. When you make wise, informed investments in companies that you believe are creating the best products and services on the planet, then you believe that you are going to make a fortune in the markets, not that you are going to lose.When you invest in what you know and love, your wisdom as a shopper and your passion about the product will immobilize fear, and that's when you can really start making confident and correct choices that will payoff for you. You know how to place a value on what you own and are less likely to sell it on the cheap. Imagine now how it would feel to own Google at the Initial Public Offering (IPO). Or Microsoft. Or Suntech Power Holdings (a solar energy manufacturer). Or Starbucks. Or Toyota.
Become The Best You
Some authors make investing too complicated. Others make it too boring. Some have cookie-cutter investment strategies, like cutting out coffee or using fancy software, that frankly don't work because no two people have the same talents, passions, goals, time or intelligence. I am asking you to think about the power of your money to transform and enrich your own life and the world at large and to apply my strategies to become the best you. My investment recipe works because you supply the ingredients. The Billionaire Game works because you decide what's charity, what's education, what's fun and what to invest in, and the fact that you are invested in achieving your own success -- instead of relying on someone else to do it or drowning in basic needs -- is the fuel that drives prosperity.
Choosing Faith Over Fear
It's not that hard to switch your thinking from fear that you're going to lose everything to faith that you can become wise and rich. It's not more time spent. If you think of all the time you spend worrying about money, you know that getting smart about investing is actually going to take less time. Becoming a successful investor who earns gains while you sleep costs less than being a fear-based investor who loses money every time the economy hits a recession. It's simply investing the same money you put in your 401(k) or IRA more effectively.
If you can shop, you can pick stocks. If you tithe, you can become a millionaire. If you can pick a great life partner, then you can select the second most important person in your life: your certified financial planner. If you know your age, then you know what percent of your retirement plan you should keep safe, i.e. not invested in stocks. Once you discover how the dollars you invest create our world, you can start investing in the products, goods and services that will make our planet a great place to live.
How would you live if you had all the money in the world? What companies would you invest in? The beauty of the stock market is that with very little money, you can create that life now. You can become not just a rich person and a great investor, but someone who does all that by putting her money where her heart is -- by making love with money. When people start investing with heart and soul and wisdom, instead of fear, blind faith and greed, this world will become a very, very beautiful place. There is no end to the problems that can be solved when we move trillions out of the old industries of oil, gas and cigarettes and invest it in clean energy, goods and services that contribute to a healthy, sustainable world.
Make Love With Your Money
That is how I went from a Copper Miner's Daughter to Wall Street Golden Girl; it's how I went from Divorced and Desperate to my dream-come-true life. When you start investing in things that you know and love, instead of with fear and greed, your life will change immediately, and this world will become a much more beautiful place. A life like this increases in value every single day and becomes more valuable not just to you but to those around you as well.
The above excerpt is a digitally scanned reproduction of text from print. Although this excerpt has been proofread, occasional errors may appear due to the scanning process. Please refer to the finished book for accuracy.
The above is an excerpt from the book Put Your Money Where Your Heart Is by Natalie Pace
Published by Vanguard Press; December 2008; 978-159315-491-2
About Author:
Natalie Pace, is the author of Put Your Money Where Your Heart Is, a featured teacher in the movie, Spiritual Liberation, and CEO of one of the most respected, independently owned financial news corporations in the U.S. She has been ranked as a #1 stock picker from TipsTraders.com and has partnered content with Forbes.com, Sohu.com, Kiplinger’s Personal Finance and more. She has appeared on Fox News, Good Morning America, Time Magazine, More Magazine, USA Today, NPR and national radio shows. For more information please visit, www.nataliepace.com
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9 Cash-Saving Tips That Pay Big Bucks
complaintsboard.com
The expression "a penny saved is a penny earned" doesn't cut it these days. But saving a few dollars here and there can add up...
read
more...
Try out these Thanksgiving recipes from tasteofhome
You May Have Too Much Debt But You Also Have Options
How Life Works
If you feel like you're in over your head with personal debt, you're not alone. Millions of Americans have become overextended, many as a result of easy credit and the recessions. Credit cards, medical bills, personal loans and raising interest rates do not make a good financial mix.
read more...
Suze Orman's Recession Rescue Plan - helps you survive in times of financial crisis
OPRAH.com
Do you know what your family would do if you lost your job - or worse, your home? Financial expert Suze Orman is ready to help you
devise a recession rescue plan to survive - and possibly thrive - during this deepening financial crisis...
read more...
Could fat babies mean fat toddlers?
A new study from Harvard Medical School found that babies who gained weight quickly had a sharply higher risk of obesity. The study
followed close to 600 babies and found those in the top quarter of weight for their length at 6 months had a 40 percent higher risk of
obesity by age 3 than smaller babies.
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more...
The 10-Ingredient Shopping Trip
By Tara Parker-Pope and Mark Bittman
... In his latest “How to Cook Everything” segment on the Today Show, New York Times food writer Mark Bittman makes it
surprisingly easy to cook a week’s worth of dinners with just a 10-ingredient shopping trip.
read
more...
Finding last-minute tuition money
There's still time to find funds for this semester's college tuition. But you'll have to move quickly.
By Gerri Willis
It's only a couple of weeks or even days until school begins. And if you don't think you'll be able to get a handle on your college
tuition bill, here with your guide to last minute money.
read more...
Short-term Payday Loans
econ4u.org
...Which are more expensive, late fees or short-term loans?...
A short-term payday loan can be a better option than overdraft fees, reconnect fees, late payment fees or a damaged credit rating when
the loan is repaid promptly. However, these loans are not suited for longer repayment periods...
Being realistic about budgeting can help avoid the need for short-term borrowing.
read more...
Your Just-in-Case Emergency Plan
by RealSimple
Who do you call if you can't make it home in time to meet the kids' bus? Who do
you trust to take in your mail when you're on vacation? Who do you trust with
the extra set of keys to your house?
read
more...
How to save $10,000 in 2009
By Liz Pulliam Weston
If you were hoping for a list of small tweaks you could make in your spending to save $10,000 a year, sorry. The reality is that
$10,000 is a lot of money. And saving big money usually means making big changes in the areas where we spend the most, such as:
Housing, Transportation, Food.
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more...
The Super, Sexy, Single Mom on a Budget
by Renee Rayles
A quick reference guide designed for the busy, single mom who has
little time to read while running the mom taxi, cooking dinner, helping with homework, and trying to fit in a date night every now and
then.
32 and Counting? Finding Your Happily Ever After Today
by Gi Gi
The author talks about the struggles a single mom goes through and the discovery that you can have HEAT (Happily Ever After Today) just
as you are, being single, taking care of your kids...
read more...
Single Mothers &
Male Role-Models / Mentors
Single mothers carry an enormous load of responsibility, especially those having sole and/or primary custody of minor children. They
nourish, they nurture, they teach, they discipline, they shelter, they protect, and they provide… all without the assistance of another
equally-invested adult.
read more...
Your 5-minute guide to protecting your identity
20 steps to protect yourself from identity theft, and seven ways to clean up things if you become a victim.
read more...
TheOnlineMom.com offers parents and consumers a guide to the top-rated, age-appropriate, kid-tested and parent-approved tech toys and gifts.
read more...
Diary of a Wimpy Kid: The Last Straw
by Jeff Kinney
For those wondering why tween boys don’t read very much, the answer is that more books aren’t like this...
read more...
Money makeover: Single mom
Jacqui Sentmanat is trying to give her child the best of everything, but who's looking out for her financial future?
by Joe Light, Money Magazine staff reporter
(Money Magazine) -- When you're the single parent of an only child, you want only the best possible life for your kid. That's how Jacqui Sentmanat feels. But it's an expensive proposition.
read more...
The best financial advice ever
Prince Charming isn't coming. Live like a college student.
Never co-sign a loan. Money experts like David Bach and readers like you share the best nuggets of wisdom they have ever received.
by Liz Pulliam Weston
... If you're not doing well financially, maybe you're finally ready to hear some advice that could make all the difference.
read more...
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