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How To Free-Up 10% to 15% of Your Income Would you be interested in freeing up 10% to 15% of your current income? Just imagine what you could do with this money. You could pay down your debts, increase your savings, or work toward that next important purchase that you have in mind. Wouldn't it be exciting to actually have money left over at the end of the month? How Electronic Checks Work ? Will Paper Checks Eventually Go Away? Traditional checks probably won't disappear anytime soon, but processing checks electronically is sure to continue! Have you ever been asked to fill out your account and routing number when paying for something online or over the phone ? or have you provided a paper check to pay for something and it is given back to you after it is run through a machine? Did you scratch your head like I did the first time that happened? 10 Money-Saving Tips 1. If you have your haircut every 3 weeks, trygoing 4 or 5 weeks in between haircuts. If youpay $10 for a haircut, you could save $70 a yearby having a cut every 5 weeks instead of 3. Save Your Money, Dont Give to Charity Scammers **If it's Spam, it's a Scam!- If it sounds too good, if it shows up in your bulk folder or your spam folder - don't touch it, just delete it When do You Need a Financial Management Company on Your Side? We live in a crazy world. Someone ought to sell tickets. It seems that people, especially those in the US, are always clamoring for products and services that they don't need and ignoring those that they do. Financial Management is a prime example. Companies that provide financial management services are often inundated with requests from potential clients that really can't benefit from their services while many people that should be using a financial manager of some kind are literally flying by the seat of their monetary pants without anyone to navigate for them. Safely Save for Your Childs University Studies Using An Education IRA! This investment retirement account (IRA) is useful to you as an investor to understand because it may be a good way for you to save for your kid's education AND save on taxes. These plans are now called Coverdell Education Savings Accounts in honor of the late U.S. Sen. Paul Coverdell. Individuals can make annual contributions of up to $2,000 per child into an account that's exclusively for helping to pay higher education costs. The money contributed to a Coverdell account doesn't count against the $3,000 ($3,500 if 50 and older) annual total individuals may contribute to their combined personal individual IRAs. Succession Planning Have you ever thought about what you are going to leave your children when you pass from this earth? Wouldn't it be a great feeling to be able to give them a really good head start in life ? without actually spoiling them? Want Your Savings to Earn a Higher Rate of Return? Try Internet Banking Doesn't it seem like the only impressive numbers we've seen this summer are the digits on the thermostat and the unaffordable prices of homes? Real estate has been excruciatingly hot for the past few years, but getting in the market now puts you in the high-risk category for a heat stroke if the market decides to cool off this year. Debt Management ? Watch Out for Bank Fees! During the last twenty years, banks have offered a number of improvements in the area of being customer-friendly. The old 9 AM ? 2 PM "banker's hours" are gone, replaced by a schedule that makes it easy for most people to visit when the bank is open. Automatic teller machines are ubiquitous, making it easier to obtain cash even when the banks are closed. And the debit card has made it easier than ever to pay for an item ? you don't even have to write a check anymore. Such conveniences come with a price, however, and banks are charging additional fees for all sorts of services. 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Whatever your reason for having a tight budget, thetruth is that going to the grocery store without a planis a BIG budget breaker. And sadly all that cash endsup vanishing into our stomachs and then...well, youknow what comes next. One Income Source Is Not Enough! My personal opinion is that in today's new economy, it is wise to have multiple income streams. Reliance on one income source poses a risk to individuals, entrepreneurs, and even large corporations. A single-source income stream, rather it comes from a job, a million-dollar customer, or a highly targeted market segment can dry up for any number of reasons. How To Place an Online Order for Checks ? It is Easy as 1-2-3 If You Have an Existing Account and 5 Minutes, You Can Place Your Online Order that Easy! UK Graduates Looking Short-Term At Their Long-Term Financial Responsibilities With almost two thirds of university entrants from England and Wales who applied for maintenance grants for this year being unsuccessful, and the average graduate owing £13,501 when they leave, according to Barclays, combined with a survey by High Fliers Research showing that only 21% of students were confident of managing to enter a graduate-level job this year, it is not surprising that there is a feeling of gloom hanging over many UK university entrants. Developing a budget? Watch out for Those Budget-Bursting Gremlins If you've developed a household budget to get your spending back in line or to just reduce stress, good for you! Creating and sticking to a budget isn't easy by all means. But it represents the best way by far to manage your finances so you can relax and worry about other things. 7 Simple Ways To Save Money Each of us knows how to spend money, but do we really know how to save our money? 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