The down-turned economy has made tight-wads out of many free-spenders. That is true even in Sin City, because what you save in Las Vegas… stays in your pocketbook. At the Dennys Wedding Chapel, opening next year, you can tie the knot and have your wedding cake with syrup on it, too. What a bargain.
Dennys wedding chapel
The Las Vegas Sun reported this week that the 24-hour diner chain will be opening a new location in Las Vegas next year. It will be the city’s third Denny’s, but it will be the only one with a wedding chapel in its heart. The [...]
Transcendental Meditation is an effective relaxation technique that can reduce stress and help keep the doctor bills down.
No philosophical or spiritual concessions
Transcendental Meditation (TM) is a relaxation technique that was introduced to the West by Mahesh Prasad Varma, who later in life came to be called Maharishi Mahesh Yogi (1917 – 2008). His technique was a distillation of Eastern meditative practices that eschewed spiritual trappings in favor of simplicity and verifiable stress reduction effects. It is a simple, effortless technique that take only 20 minutes, twice a day, and requires no philosophical or spiritual concessions.
Over the years, his technique has [...]
According to a pair of recent studies, more and more people approaching retirement age are ill-prepared for it. Many are not even aware of the true costs that lay ahead of them. As a consequence, the tradition of leaving a financial legacy for you children is rapidly becoming a quaint custom of the past.
Fewer parents plan to leave a legacy
Allianz, a provider of life insurance, reported that most baby boomers — those born, roughly, between 1946 to 1964 — had better not hope for a fat inheritance as their retirement approaches. Times being what they are, only 14 percent of [...]
It is conventional wisdom that at least half of all marriages end in divorce. Recently, that vague figure has come under fire, with some experts saying that divorce is on the decline. But whatever the figure, divorces are common enough. While it is unromantic to consider the possibility after saying “I do,” the fact is, nobody knows the future. For those who have serious assets, a “post-nuptial agreement” helps ensure that neither spouse will take the other to the cleaners should the marriage go south.
Post-nuptials reduce stress for some
For many couples, keeping their assets separate can make for a more [...]
The old adage says that nothing is certain except for death and taxes. A third thing might be that the cost of groceries will always rise. Food prices have been escalating at a greater rate than other goods lately, due to unseasonable weather conditions in many regions. Here are some helpful tips to keep you from going broke while keeping your family fed.
Keep track of food spending
Knowing what you have to spend, and staying on budget, is essential. If you know what you spend weekly for groceries, you can start thinking of ways to reduce that cost without sacrificing nutrition.
Kickstarter has become a wildly popular way to advertise or provide all-or-nothing funding for creative projects, independently crafted. Millions of dollars have been raised for countless projects, all through online crowdsourcing that helps creators meet meet their funding goal. However, success is not guaranteed. Here’s how to wage a successful Kickstarter campaign in four steps.
Kickstarter campaign success tip No. 1: Have a realistic funding goal
If you’re new to the Kickstarter process and expect to make millions right out of the gate, think again. Research suggests that a more realistic number is $10,000. According to Wired, 38 percent of Kickstarter projects [...]
Most of the nation is experiencing record heat this summer. With the heat and elevated humidity come insects of all kinds. It naturally follows that, with more bees, come more bee stings. This is a serious situation for those with allergies. For the rest of us, they are just painful irritants. Treating them quickly, however, can alleviate much of the discomfort, without costly commercial remedies or emergency room visits.
Remove the stinger
The first thing to do in the case of a bee sting is to get away from the area where the bees are. When they sense they are in danger, [...]
Toothpaste is a commodity we all use every day. In the interest of being frugal in the economic downturn, we offer some suggestions of ways to keep your teeth healthy and your costs low.
It adds up
Although toothpaste is not a horribly expensive item, it can add up, especially if duplicated for multiple bathrooms used by multiple family members. According to White Pines Whisper, a website for sustainable lifestyles, a family of four spends about $30 a month on toothpaste, or around $360 a year.
Read the label
There are more varieties of toothpaste on the market than anybody can name. They come [...]
Garage and yard sales are a summer tradition for many families. It’s a great way to get rid of a year’s worth of clutter and to make a little pocket change besides. In these tough economic times, anything helps. Here are some tips for getting the most out of your sale.
Forecast, clear and sunny
Your best friend in scheduling your sale is the 10-day weather forecast. Summer storms can ruin your yard sale faster than ants at a picnic.
Bringing the traffic
Getting traffic to your sale is the first order of business.
Chris Heiska, of yardsalequeen.com, said:
“The most important thing is getting people [...]
According to the Wall Street Journal, as of 2010, 60 percent of all heterosexual couples met online. It is only logical to assume that figure has increased in the last two years. Many in this economic downturn are likely in a quandary about whether there is an advantage to using a paid dating site vs a free one. Do you really have a better chance of meeting your soul mate if you pay for the search?
Fee vs free dating sites
The first advantage of free dating sites is, of course, that there is no investment up front. Because it costs nothing [...]
In these post-recessionary times, sometimes people need to think outside of the box for a revenue source. One woman recently tried selling her soul on e-bay as a way to make money and to reach out for help. However, her listing has been cancelled by the online auction giant.
Bids brisk for soul auction
Although the Albuquerque, New Mexico woman’s auction has been removed from eBay, according to Huffingtom Post, the bidding had “already jumped from $100 to $405 in just a day.”
The woman, calling herself only Lori N., listed her “slightly used soul,” promising to deliver to the highest bidder a [...]
As we saw in part one, taking advantage of coupons costs us all in the long run, whether the fraud is intended or not. Here are some of the more common scams and often-self-motivated mistakes that people make in couponing.
Email coupons suspect
Bud Miller, executive director of Coupon Information Corp., wrote that coupons forwarded via email from an individual are generally fake. Even coupons received via email from seemingly legitimate sources should be approached with caution. There are all kinds of phishing scams out there.
Too good to be true
Coupons that promise too much and seem to good to be true, as [...]
The post-recession squeeze has made couponing more than a casual glance through the paper for many. But coupon counterfeiting and other forms of coupon fraud are rapidly becoming more common, and that could drive the prices up for all in the long run.
Coupon fraud on the rise
Bud Miller, executive director of Coupon Information Corp. — a group that represents manufacturers that issue coupons — said that his group saw only 18 reports of counterfeit coupons in 2007. By 2011, that amount had risen to 486. This year, more than 600 cases have been reported in the first half of the [...]
Thinking of taking a vacation but can’t afford it? Put it on layaway.
Remember layaway payment plans? It is how my parents paid for our first color television in the mid 1960s. In our post-recession economy, paying in installments is making a resurgence as consumers shy away from running up credit card debt, and as banks have become more shy about extending credit.
Chris Morran, deputy editor at Consumerist.com, said of layaway:
“Harkening back to my childhood, if I wanted to buy something, my mom would tell me to put my allowance in a jar until I had saved enough to pay [...]
For the first time ever, more than half of seniors are now online, says a new report from the Pew Internet and American Life Project, boosting e-commerce into the economic lexicon of all demographics.
Seniors getting connected
As of April, says the report, 53 percent of all senior citizens aged 65 and over are now surfing the Web, using social media and communicating via email.
Seventy percent of those seniors, who do use the Internet, do so on a daily basis. For all American’s 18 and over, that 82 percent use the Internet. Sixty-seven percent go online every day.
The largest groups using the [...]
According to the Insurance Information Institute, Americans spend more than $1.1 trillion on insurance premiums a year. In these economic times, not many can afford to pay for policies that they will likely never need. So it is important to know what kinds of policies you need, and which one you can get away without having.
The bottom line, unless it is for you life, your healthcare, your home or your vehicle, insuring it is probably not economical or necessary.
We all love our pets, but is it wise to take out expensive policies for their care? If your loved [...]
A recent study shows that Generation Z — those young people between the ages of 13 and 22 — are already saving and thinking about how they will pay for college.
Growing up in downturn
Earlier studies have indicated that young adults — so-called Generation Y, or Millennials — are more knowledgeable and concerned about money than was the generation before them. Experts generally agree that their coming of age in a time of economic uncertainty has a great deal to do with that. But what about those who lived through the Great Recession at a much younger and more impressionable age?