How to Lose Weight Without Losing Money

You don’t have to stretch your imagination to understand why people think that transitioning into a lifestyle which promotes weight loss comes with a price tag. We are bombarded with advertisements from “magic supplements”, online exercise programs, and gyms looking to fill their capacity. Stores feature expensive products which are natural, organic, promote weight loss, or “healthy” options, making the rest of the store look much more affordable by comparison.

However, committing yourself to a healthy lifestyle doesn’t have to mean looking for a higher paying job to cover new expenses. There are plenty of ways to lose weight without losing money, and in some cases, you will find that you are cutting costs.

  1. Determine the Root Causes

There’s always more to the weight gain story than, “I got hungry”. Long-term weight loss success comes from identifying the root cause beneath the lifestyle choices that lead to weight gain, whether it’s stress, loneliness, boredom, lack of knowledge, or lifestyle. Determining this doesn’t need to be expensive, and you might be able to pin the problem right away. However, if you need more coaching and lessons in mindfulness and meditation, sign up for a few sessions, and go from there.

  1. Stop Eating Out

Everyone eats out for different reasons, whether for social interaction, exposure to new cuisines, entertainment, convenience, or need. However, by cutting down the number of times you eat out in a month, you won’t just be pocketing the savings, you’ll be cutting down the calories ingested as well. At first you might be surprised by the increase in your grocery bill, but remember that you are feeding yourself and your family and providing them with healthier, portioned meals at least three times a day. It won’t take long for you to see the savings, and your waistline will start shrinking without any extra effort. You have full control of what ingredients go into your meals, how much sugar, fat, and salt is used, and how big the resulting portions will be. It might be difficult at first, but you’ll start enjoying and even taking pride in your creations sooner than you think.

  1. Always be Prepared

Adopt the Boy Scouts’ motto for your own and always “be prepared”. Many times we find ourselves betraying our new lifestyle because a meeting ran late, you missed the train home, or you didn’t pack enough food for your meal. Now you’re hungry, cranky, and the only options you have come from a food court or a vending machine. Not only are the options usually full of sugars, fats, chemicals, and other junk, but also expensive. You are paying for the convenience of the food or drink being in close proximity when you need it, and now you are being suckered into paying 2 or 3 times its value. To protect yourself from such situations, always have a few healthy options on you at all times, like a natural granola bar, a Ziploc of raw nuts or some dried fruit. You won’t be ruining all your efforts and you will have full control over how much you spend.

  1. Start Moving

Weight loss involves a positive change to your mindset, your diet, as well as your level of physical activity. If you are on a tight budget and can’t commit to fitness classes or afford gym fees, find ways to be active for free. Take the stairs at work instead of the elevator, speed walk around the park at lunch, cycle to work, or incorporate a morning jog into your routine. Getting your heart pumping and your muscles moving doesn’t have to be expensive or even cost anything at all. Challenge yourself to find ways to incorporate physical activity into your day, whether it means walking your elderly neighbor’s dog in the morning, meeting your friend for a cycle on a local trail instead of for drinks, or trying the free yoga lessons in the park as you return from work.

Losing weight doesn’t mean you have to rework your budget to accommodate for your new lifestyle. Start your own healthy revolution today without upsetting your finances. Who knows? It might even save you a few dollars every month!

Day Trading Chat Rooms

If you plan on doing any day trading, you will want to find a couple of good chat rooms to visit daily. You will want one that appeals to you, is casual but yet informative. If you are new to day trading, you will want to feel comfortable asking questions but you will also want posters to be experienced enough to give you solid advice. Here is a list of 3 of the best chat rooms for day traders that meet 3 very different day trader needs:

Warrior Trading

Arguably, the best chat room out there for day traders. Warrior Trading hits all the right buttons. It is friendly enough for newcomers to day trading but has some of the best, most experienced day traders on the planet as frequent posters. In addition to the abundance information that can be learned from the chat room when you sign up for Warrior Trading’s chat room you also get 5-10 day trade alerts per day; 3-5 swing trade alerts per week, a daily hot stock watch list; and text, email and chat room alerts. You can find their chat room here: https://www.warriortrading.com/day-trading-chat-room/.

Huffington Post

Okay, this is not to a chat room to get day trading information exactly, you should get that at Warrior Trading, but the Huffington Post chat room is a great news based chat room. You will pick up a lot of news stories here before they hit your television screen or newspaper. This is a great place to get a jump on the news stories for the day. All day traders know that information is the key to making money day trading. Here is the link to the Huffington Post news chat room: http://www.huffingtonpost.com/news/chat-rooms/.

Healthy Living

Now that you have your trading information chat room and your news source chat room you need to remember that your day trading results will suffer if you do not take care of your mind and body. So many day traders fall into the habit of spending their days and nights staring at nothing but computer screens and spreadsheets. This leads to burnout and mental fatigue. You need your body and your mind in the best shape possible if you want to be in the best shape to make money day trading. The Healthy Living chat room is a friendly reminder to take time every day to care for yourself, your mind, and your body. Your bottom line will thank you for it. Here is the link to the Healthy Living chat room: http://healthyliving894.com/2016/04/13/chat-room/.

What chat rooms are your favorite? We’d love to hear about where you find inspiration and information. Please share your favorites in the comments section below.

How do you get an estate tax ID number?

Managing an estate can be hard work. This is particularly true if you are the sole manager and are still recovering from the loss. When you find yourself in this situation, it is important to understand how to properly report the estate, especially when filing taxes. Did you know, for example, that you probably need to obtain an estate tax ID number for it? Not many people do, but this standard procedure when dealing with estates. If you are confused or not sure how to apply for estate tax ID number online, IRS-EIN can help.

Estate Tax ID Number Online

One of the main things to keep in mind is that there is help available! IRS-EIN is a service that provides an easy application process for obtaining estate tax ID numbers, also known as EINs. Do not worry about having to fill out long applications by hand, or even online via the IRS’s sometimes-buggy website. Instead, you can do it all on the IRS-EIN website. They provide everything you need to apply for an estate tax ID number online.

Apply for Estate Tax ID Number

Are you ready to begin the application process? Contact IRS-EIN-Tax-ID.com today and take a look at how they can help you quickly and easily obtain your ID number. Once that is complete, you will be able to file your tax return or complete other business while managing the estate. Check out their website today.

Introducing the Volkswagen ID concept

The 2016 Paris Motor Show saw the grand reveal of the Volkswagen ID concept, ushering in the German manufacturer’s take on an alternatively fuelled future.

Dr Herbert Diess, the Chairman of the Board of Management of the Volkswagen Passenger Cars Brand, pointed out: “In 2020, we will begin to introduce an entire family of electric vehicles on the market. All of them will be based on a new vehicle architecture which was specially and exclusively developed for all-electric vehicles, not for combustion engine or plug-in hybrid vehicles.”

There’s plenty to be excited about when it comes to the Volkswagen ID concept, including the fact that this will be the first compact car created by the German vehicle brand based on its MEB Modular Electric Drive Kit.

As a result, the car will have a 125kW/170PS electric motor made up of lithium-ion batteries, enabling it to achieve a 360-mile range on a single charge.

Focusing on this particular element, Ulrich Eichhorn, the Research Director at Volkswagen, said: “The major work will be in the batteries. This will be at the far-end of lithium-ion technology, not just a development of what we’ve got already and we are already working on it in research and advanced engineering.”

As well as an intriguing drivetrain, the Volkswagen ID concept is attention-grabbing. The vehicle’s exterior features a front end that is completely blanked off with digital headlamps that are wrapped in LED daytime running lights.

In regards to the interior of the Volkswagen ID concept, Dr Diess summed it up by stating that there are “no buttons, no switches, no sticks, just screens”. Therefore, drivers can enjoy an LED dashboard, rear cameras in place of mirrors and a retractable steering wheel whenever the car’s autonomous driving mode is switched on.

Unfortunately, the Volkswagen ID concept is not set to arrive on roads until 2020. However, motorists can pass the time by experiencing other Volkswagen electric vehicles, like the Driver Assistance technology-heavy e-up! and the practical, refined and advanced e-Golf.

Motorparks launches two new car calculators

British car dealership Motorparks has released a pair of new motoring calculators, which will help motorists to discover if they can afford the vehicle that has caught their eye.

With the company’s interactive car finance calculator, you will be able to learn about the best car finance option for your needs thanks to the following features:

  • A finance calculator, which determines the cost of a vehicle, any deposit required, the length of a loan and its interest rate in order to set out an estimated total amount that your dream car will set you back.
  • A jargon-free quiz, which advises you on the most suitable type of car finance after you have answered the following questions:
  • What kind of car are you interested in?
  • Will you be aiming to own the vehicle?
  • What’s more important to you; owning the car as soon as you can or making low monthly payments?
  • Are you a fan of car loans?
  • Is the vehicle going to be used for personal means or for use in a business?

Motorparks’ motoring costs calculator will work alongside the company’s car finance calculator. Use this tool in order to find out the day-to-day costs of your vehicle, such as:

  • How much you will spend on fuel.
  • How much the vehicle’s road tax will cost.
  • How much it will cost for you to insure the vehicle.
  • Other motoring costs that you may need to factor in depending on your commute. For example, daily parking charges of toll road fees.

See if you have the budget to purchase your dream car by giving both easy-to-use calculators a try today.

Do Not Let These Five Reasons Make you go on a Spending Spree

Sure it is fun to go shopping and leave with bags in hand, but it is no fun getting the bill later, especially if you cannot pay the entire balance off at once and it rolls over to the next month with interest, digging yourself deeper in debt.  For those that have a shopping addiction typically do not need any extra incentive to go on a shopping spree, but there are a few reasons that can sway the average spender.

Stressed Out

When you are feeling down the first thought may be to go shopping to get rid of the blues, but fight temptation and put stress into working out, as the extra shopping bills will drain your account and raise your credit card debt, only to leave you sad again when it comes time to pay.

Peer Pressure

Whether it is shoes, a car, house, no matter what the item is, we want to keep up with our peers, but do not let that influence get you to live beyond your means.  Stay within your budget and you will be able to treat yourself to the finer things in life when you save up.

Put it on a Credit Card

If you want an item and do not have the money for it, an instinct will be to put it on a credit card and worry about it later.  Sure it may work once or twice, but getting used to that mentality will only make things worse down the road and you will continue to live beyond your means, amounting to loads of credit card debt and no savings to show for it.

Running up a balance on your credit cards usually runs into overdraws, late payments, and the late fees and poor credit that goes along with all of that. This will lead you down the road of learning how to remove late payments from credit report agencies databases. Probably an additional hassle you want to avoid if possible.

Trying to Please

We want to make other happy, especially a spouse, friend, or family, and what better to show our love with gifts, but buying love only is short term, and with potentially long term effects on personal debt.  You are not thinking about finances when overspending, and could even ruin a relationship, which according to a survey by GOBankingRates, overspending was the biggest financial deal breaker in a relationship.

Falling for an Unneeded Sale

Black Friday for example is a great tactic by retailers to get people in the store, and it works, with record crowds.  Stay away from sales, as you will be more tempted to buy items because they’re on sale, not because you need them.

Do You Have to Sacrifice Fuel Efficiency for Lower Insurance Premiums?

You want to save money and help reduce greenhouse gases so naturally, you are in the market for fuel-efficient vehicles. The good news is that there are more cars and trucks designed for fuel efficiency than ever before, thanks to the growth of hybrids and advanced technology. The bad news is that many of these are in the luxury category, which tends to attract higher premiums. On the other hand, gas guzzling SUVs are rewarded by many insurers, but use large amounts of energy and create significant emissions. Do you have to choose between fuel efficiency and affordable auto insurance?
Vehicles with Low Insurance Premiums
If you like piling the entire family into a huge SUV or minivan, such as the Toyota Sienna, your insurer will reward you with lower premiums. These cars suffer less damage when there is a collision, and tend to be easy and relatively inexpensive to repair. Since many of these vehicles are created with families in mind, they have additional safety features which also score brownie points with insurance companies. The downside is that these are the vehicles which are avoided by those who are concerned about the environment and about paying high prices at the pump.
Vehicles That Save Fuel
The advent of hybrids has been a boon to green-oriented drivers, but they require a significant investment. These cars tend to be priced higher and they also command significant premiums. In addition to luxury cars that are not commonly owned and require specialty parts, hybrids have a complex structure that makes them more costly to repair, and therefore, more expensive to insure. In addition, smaller engines are more fuel efficient, but the smaller the car, the less well it may fare in a collision, and therefore, premiums will be higher.
Finding a Compromise
You don’t have to give up energy efficiency to save on auto insurance or vice versa. It helps to look at premiums in your area on certain brands and models and make another list of the most energy-efficient cars. By comparing the data on both lists, you will be able to identify cars that are energy efficient and carry reasonable premiums. The U.S. Department of Energy has a resource that can aid in identifying energy-efficient vehicles.
There are a number of cars that fare well on both lists. A Ford Escape non-hybrid represents a fair compromise between inexpensive insurance and fuel savings, as well as the Chevrolet Silverado. You can find your own fair compromises through cross-referencing, and may come up with a few surprises. In addition, keep in mind that your auto insurance premium quoted may not be the last word. There are ways to negotiate lower premiums, such as through taking a defensive driving course, having past fines and tickets removed from your record, driving less than the national average and searching for insurance discounts.
While there are some crucial choices to make in the search for an energy efficient car with affordable insurance premiums, it is not too difficult to find vehicles that meet both criteria. Buying a hybrid car isn’t the only way to save on fuel and to cut down on carbon emissions. You may find a car that fits fuel and affordable insurance standards and drives like a dream.

What Should My Credit Score Be?

If you are not one to check not only your credit score, but your credit report in general, now is the time to start.  Credit is the most important factor for a lender to decide our worthiness to get loan approval, whether it is for an auto loan or a mortgage purchase or refinance.  It is surprising how many family and friends that I hear do not know where they stand with their credit, or even just assume they have great credit.

A way to start would be to pull a Free Copy of your Credit Report.  You are entitled to a free copy of your credit report once a year from the three major bureaus: Equifax, TransUnion, or Experian.  Although pulling a free copy of your credit report will not give you a credit score, you can purchase one for an additional fee of usually under $10, or if you currently have a credit card, you can find your credit score on the monthly statement, whether you receive paper copies in the mail, or have an online account, you can click to see your score when logged in, as most credit card companies are providing an updated score each month.  When you view a copy of your credit report, double check to make sure everything is accurate, as far as the number of accounts open, addresses, and balances.  Keep in mind that reports are usually a month behind, so if you have charged or made a large payment or even open or closed an account it will not show up for an additional month or two.

Now what about the score?  Credit scores range from 301 the lowest to 850 the highest, with ranges falling in between, as “Poor” to “Excellent”.  “Excellent” scores would be those that are above 750, and thus getting the best possible rates available, and getting less favorable as you go lower in score, while those at the bottom cannot be trusted borrowers and would be declined.  “Good” are those between 700-749, “Fair” 650-699, “Poor” 600-649, and “Bad” anything below 600.  In order to make sure you get the most favorable rates and no trouble getting approval for a loan, you would need to make sure you get at least in the higher end of the “Good” range and above. Your credit score might come in handy if you ever needed liquidity and wanted approval for car title loans for quick cash. Your credit score affects just about every part of your financial life.

If you find your scores are low, you will need to make sure you continue to pay bills on time, balances are paid down to free up more available credit, and you avoid continuous new credit lines.  With patience and discipline, scores will rise.

Top 10 Habits that can increase your fuel economy

Okay, we’ve talked about these gasoline/fuel economy habits many times before, but with the cost of gas still over $3.50 a gallon at many pumps around the country, we figured it was time to write about them again. Enjoy.

First, you should definitely drive slower. The simple fact is that as your speed increases, the “drag” on your car or truck increases as well. For example, if you drive 62 miles an hour rather than 75, you can actually reduce the amount of fuel that your car uses by nearly 15% just because of reduced friction.

When it comes to speeding up and slowing down, neither is good to do in excess. Basically what you need to do is anticipate traffic, traffic lights and stop signs in order to accelerate and brake moderately. This can increase your fuel economy by nearly 20%. This in turn helps you to increase the amount of money in your checking account.

Keeping your tires properly inflated is one of the easiest things you can do to save money at the gas pumps. Simply check the level recommended by either your vehicle manufacturer (in the instruction manual) or the company that manufactured the tires that you purchased to replace the original, factory tires. This can help increase your fuel economy from 1% to 3%.

While the jury is still out on whether or not using the AC increases or decreases fuel economy, it’s definitely well known that having your windows open at highway speeds increases drag and decreases your fuel economy upwards of 10%.

If you can avoid long idling times, especially over one minute, you will definitely save money as idling the car for longer than 60 seconds uses more fuel than stopping and then restarting it.

One of the best things you can do to increase your fuel economy is simply to have your car or truck serviced regularly. Things like dirty air filters, low fluid levels and spark plugs that aren’t functioning correctly will get replaced if you maintain your car correctly.

Another great way to save gasoline is to use cruise control.  If you can maintain a constant speed over a long distance, your car or truck will definitely use less gas.

Keeping the amount of junk in your car to the minimum is also a great way to save on fuel. The heavier your car is the more gas it will use,  so make sure to take out anything you might have put in there over the winter to give you better traction and just don’t drive around with a lot of stuff in your car.

Finally, the very biggest and best way to save money is simply to purchase a car or truck that is fuel efficient.

OK, now you’re all set again.  Don’t make us repeat ourselves for a while if you please, and happy motoring.

Top 5 Tips for Buying the Right Boat for summer

Summer is fast approaching and with it the urge to get out on the water, whether that water happens to be a lake, river or the ocean, and take advantage of all that mother nature has to offer.

The best way to do that is with a boat, if your budget can afford it, and today’s blog will help you to do just that and purchase a boat that fits your budget. Enjoy.

1) Your very first task should be to visit a large boat show. Boat shows are truly the best place to see a large number of different types and styles of boats, as well as different sizes, so that you can see all of the different prices, options and so forth. Having all of this information will allow you to make a much better decision on which boat/engine combination to purchase. A boat show is also an excellent place to meet lots of boating experts who can guide you in your decision.

2) Take your time. A boat is a large and expensive purchase and something you will likely have for many years. If you take care of it well, you may also be able to pass it onto your children. Point being, take your time making a decision on what type of boat to purchase so that you’re satisfied with that decision for the next few years (at least).

3) If you’re new to boating, definitely look into taking a boating safety course. The simple fact is this; while it might steer like a car, a boat handles much differently than an automobile and, if you don’t know how to handle it correctly, you could easily cause an accident or worse.

4) Keep in mind that their are a lot of additional costs when it comes to owning a boat. If you don’t have somewhere to keep it, you will need to either rent a space in a storage lot or a “slip” at a marina, both of which are relatively expensive monthly costs. Also, if you purchase gasoline from a marina, you can expect the price to be at least 30% higher than at your local gas station. Boating accessories like water skis, fishing rods, life jackets and so forth also will add to the cost, sometimes significantly.

5) If possible, take a test drive. Referring back to #2, a boat is something you will hold onto for many years. That’s why, whenever possible, you should definitely take it out for a test drive to make sure that you like the way it handles before you make your purchase decision.

And there you have them, 5 excellent tips that should help you to make the right decision when on a new boat. We wish you happy and safe boating!

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