tag:blogger.com,1999:blog-325646892024-03-18T03:19:52.452-04:00Blast Your FinancesOriginal material is copyrighted ISSN 2162-4062.
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Sunday is Father’s Day.<span style="mso-spacerun: yes;">
</span>Many fathers across the country will receive new ties, drills, silly
hats or socks, stuff they need or stuff they don’t want.<span style="mso-spacerun: yes;"> </span>Hopefully you will get your father a gift he
really wants similar to the T-Mobile commercial that shows a Dad going to buy a
cell phone for himself and signing his baby daughter’s name.<span style="mso-spacerun: yes;"> </span></div>
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<br /></div>
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Dads often don’t get the love or appreciation they deserve. <span style="mso-spacerun: yes;"> </span>After all, they are the other half of the chromosome
that creates life.<span style="mso-spacerun: yes;"> </span>If you haven’t said
thanks to your Dad even if you never met your Dad say thank you, he helped
create you.<span style="mso-spacerun: yes;"> </span>Just think what life would
be life without you.</div>
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<br /></div>
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Now for my advice, Dads always provide advice to their
children, no matter what age. Here are some financial words of wisdom from
dads.<span style="mso-spacerun: yes;"> </span></div>
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<br /></div>
<br />
<ol>
<li><span style="mso-bidi-font-family: Calibri;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";"></span></span></span>Work
hard.<span style="mso-spacerun: yes;"> </span>Have a strong work ethic which
will translate to all aspects of your life.<span style="mso-spacerun: yes;">
</span>Your finances are an important aspect of your life and you should take
great care to maintain your finances – take time to know how much you owe, how
much you earn and how much you spend.<span style="mso-spacerun: yes;">
</span>These basic things will help you to develop a plan to get out of debt
and plan for retirement.</li>
<li><span style="mso-bidi-font-family: Calibri;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";"></span></span></span>Save
for a rainy day. <span style="mso-spacerun: yes;"> </span>Life happens.
Unexpected events will occur so why not be prepared.<span style="mso-spacerun: yes;"> </span>Create an emergency fund to cover bills for
9-12 months so when something unforeseen happens you have the money to pay for
it instead of using your credit card.</li>
<li><span style="mso-bidi-font-family: Calibri;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";"></span></span></span>Make
sacrifices.<span style="mso-spacerun: yes;"> </span>Dads always make sacrifices
for their family.<span style="mso-spacerun: yes;"> </span>You should too,
especially financially.<span style="mso-spacerun: yes;"> </span>When making
purchases consider the impact on your family. If you are single consider the
impact to your future.<span style="mso-spacerun: yes;"> </span>Determine if the
item is a need or want.<span style="mso-spacerun: yes;"> </span>Wants can be
bought later.<span style="mso-spacerun: yes;"> </span></li>
<li><span style="mso-bidi-font-family: Calibri;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";"></span></span></span>Pay
with cash.<span style="mso-spacerun: yes;"> </span>Dad always paid with
cash.<span style="mso-spacerun: yes;"> </span>He wasn’t too ashamed to skip buying
something because he didn’t have the money.<span style="mso-spacerun: yes;">
</span>He only bought want he needed and a few extras every now and then and he
turned out fine. </li>
<li><span style="mso-bidi-font-family: Calibri;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";"></span></span></span>Plan
for the future. Dad thought about the future.<span style="mso-spacerun: yes;">
</span>He went to work every day and paid his bills on time.<span style="mso-spacerun: yes;"> </span>He didn’t spend money unnecessarily and lived
a modest lifestyle.<span style="mso-spacerun: yes;"> </span>He saved money and
had a retirement account. He lived comfortably during retirement and his
family’s needs were met.</li>
</ol>
<div class="blogger-post-footer">Harrine Freeman, Owner, H.E. Freeman Enterprises
Financial Trainer, Speaker, Author of How to Get Out of Debt: Get an "A" Credit Rating for Free
http://www.hefreemanenterprises.com
Privacy Policy http://www.hefreemanenterprises.com/policy.html</div>Unknownnoreply@blogger.com9tag:blogger.com,1999:blog-32564689.post-86643021956402713352018-06-08T11:30:00.000-04:002018-06-10T20:35:48.611-04:007 Effective Ways to Use Debt Settlemnet<!--[if gte mso 9]><xml>
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Name="List Bullet 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Number 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Number 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Number 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Number 5"/>
<w:LsdException Locked="false" Priority="10" QFormat="true" Name="Title"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Closing"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Signature"/>
<w:LsdException Locked="false" Priority="1" SemiHidden="true"
UnhideWhenUsed="true" Name="Default Paragraph Font"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text Indent"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Message Header"/>
<w:LsdException Locked="false" Priority="11" QFormat="true" Name="Subtitle"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Salutation"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Date"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text First Indent"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text First Indent 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Note Heading"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text Indent 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text Indent 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Block Text"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Hyperlink"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="FollowedHyperlink"/>
<w:LsdException Locked="false" Priority="22" QFormat="true" Name="Strong"/>
<w:LsdException Locked="false" Priority="20" QFormat="true" Name="Emphasis"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Document Map"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Plain Text"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="E-mail Signature"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Top of Form"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Bottom of Form"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Normal (Web)"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Acronym"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Address"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Cite"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Code"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Definition"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Keyboard"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Preformatted"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Sample"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Typewriter"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Variable"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Normal Table"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="annotation subject"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="No List"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Outline List 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Outline List 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Outline List 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Simple 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Simple 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Simple 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Colorful 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Colorful 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Colorful 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 6"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 7"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 8"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 6"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 7"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 8"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table 3D effects 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table 3D effects 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table 3D effects 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Contemporary"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Elegant"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Professional"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Subtle 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Subtle 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Web 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Web 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Web 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Balloon Text"/>
<w:LsdException Locked="false" Priority="39" Name="Table Grid"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Theme"/>
<w:LsdException Locked="false" SemiHidden="true" Name="Placeholder Text"/>
<w:LsdException Locked="false" Priority="1" QFormat="true" Name="No Spacing"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading"/>
<w:LsdException Locked="false" Priority="61" Name="Light List"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 1"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 1"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 1"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 1"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 1"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 1"/>
<w:LsdException Locked="false" SemiHidden="true" Name="Revision"/>
<w:LsdException Locked="false" Priority="34" QFormat="true"
Name="List Paragraph"/>
<w:LsdException Locked="false" Priority="29" QFormat="true" Name="Quote"/>
<w:LsdException Locked="false" Priority="30" QFormat="true"
Name="Intense Quote"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 1"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 1"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 1"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 1"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 1"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 1"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 1"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 1"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 2"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 2"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 2"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 2"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 2"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 2"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 2"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 2"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 2"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 2"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 2"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 2"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 2"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 2"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 3"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 3"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 3"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 3"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 3"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 3"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 3"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 3"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 3"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 3"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 3"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 3"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 3"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 3"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 4"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 4"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 4"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 4"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 4"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 4"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 4"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 4"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 4"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 4"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 4"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 4"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 4"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 4"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 5"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 5"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 5"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 5"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 5"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 5"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 5"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 5"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 5"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 5"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 5"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 5"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 5"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 5"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 6"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 6"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 6"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 6"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 6"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 6"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 6"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 6"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 6"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 6"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 6"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 6"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 6"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 6"/>
<w:LsdException Locked="false" Priority="19" QFormat="true"
Name="Subtle Emphasis"/>
<w:LsdException Locked="false" Priority="21" QFormat="true"
Name="Intense Emphasis"/>
<w:LsdException Locked="false" Priority="31" QFormat="true"
Name="Subtle Reference"/>
<w:LsdException Locked="false" Priority="32" QFormat="true"
Name="Intense Reference"/>
<w:LsdException Locked="false" Priority="33" QFormat="true" Name="Book Title"/>
<w:LsdException Locked="false" Priority="37" SemiHidden="true"
UnhideWhenUsed="true" Name="Bibliography"/>
<w:LsdException Locked="false" Priority="39" SemiHidden="true"
UnhideWhenUsed="true" QFormat="true" Name="TOC Heading"/>
<w:LsdException Locked="false" Priority="41" Name="Plain Table 1"/>
<w:LsdException Locked="false" Priority="42" Name="Plain Table 2"/>
<w:LsdException Locked="false" Priority="43" Name="Plain Table 3"/>
<w:LsdException Locked="false" Priority="44" Name="Plain Table 4"/>
<w:LsdException Locked="false" Priority="45" Name="Plain Table 5"/>
<w:LsdException Locked="false" Priority="40" Name="Grid Table Light"/>
<w:LsdException Locked="false" Priority="46" Name="Grid Table 1 Light"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark"/>
<w:LsdException Locked="false" Priority="51" Name="Grid Table 6 Colorful"/>
<w:LsdException Locked="false" Priority="52" Name="Grid Table 7 Colorful"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 1"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 1"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 1"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 1"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 1"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 1"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 1"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 2"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 2"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 2"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 2"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 2"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 2"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 2"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 3"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 3"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 3"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 3"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 3"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 3"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 3"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 4"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 4"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 4"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 4"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 4"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 4"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 4"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 5"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 5"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 5"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 5"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 5"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 5"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 5"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 6"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 6"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 6"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 6"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 6"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 6"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 6"/>
<w:LsdException Locked="false" Priority="46" Name="List Table 1 Light"/>
<w:LsdException Locked="false" Priority="47" Name="List Table 2"/>
<w:LsdException Locked="false" Priority="48" Name="List Table 3"/>
<w:LsdException Locked="false" Priority="49" Name="List Table 4"/>
<w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark"/>
<w:LsdException Locked="false" Priority="51" Name="List Table 6 Colorful"/>
<w:LsdException Locked="false" Priority="52" Name="List Table 7 Colorful"/>
<w:LsdException Locked="false" Priority="46"
Name="List Table 1 Light Accent 1"/>
<w:LsdException Locked="false" Priority="47" Name="List Table 2 Accent 1"/>
<w:LsdException Locked="false" Priority="48" Name="List Table 3 Accent 1"/>
<w:LsdException Locked="false" Priority="49" Name="List Table 4 Accent 1"/>
<w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark Accent 1"/>
<w:LsdException Locked="false" Priority="51"
Name="List Table 6 Colorful Accent 1"/>
<w:LsdException Locked="false" Priority="52"
Name="List Table 7 Colorful Accent 1"/>
<w:LsdException Locked="false" Priority="46"
Name="List Table 1 Light Accent 2"/>
<w:LsdException Locked="false" Priority="47" Name="List Table 2 Accent 2"/>
<w:LsdException Locked="false" Priority="48" Name="List Table 3 Accent 2"/>
<w:LsdException Locked="false" Priority="49" Name="List Table 4 Accent 2"/>
<w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark Accent 2"/>
<w:LsdException Locked="false" Priority="51"
Name="List Table 6 Colorful Accent 2"/>
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<a href="https://3.bp.blogspot.com/-5SmfLwAiH-4/Wx3Diyu1_VI/AAAAAAAABas/cIcdaAaq6M0EiP8xkHywFajJ4WPKkhaLQCLcBGAs/s1600/Debt%2BSettlement.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="681" data-original-width="1058" height="205" src="https://3.bp.blogspot.com/-5SmfLwAiH-4/Wx3Diyu1_VI/AAAAAAAABas/cIcdaAaq6M0EiP8xkHywFajJ4WPKkhaLQCLcBGAs/s320/Debt%2BSettlement.png" width="320" /></a></div>
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<span style="mso-fareast-font-family: "Times New Roman";">Approximately
43 million Americans have at least one account that is 90 days or more late. There
are several methods that can be used to pay off a debt such as paying in
installments, paying the debt in full or negotiating with the creditor or
collection agency to offer a debt settlement. Apply for debt settlement if an
account is more than 90 days late. <span style="mso-spacerun: yes;"> </span></span></div>
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<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="mso-fareast-font-family: "Times New Roman";">Debt settlement
is best used for unsecured debt such as: credit cards, medical bills,
department store cards, student loans, personal loans or other small debt that
have been reported to a collection agency. </span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="mso-fareast-font-family: "Times New Roman";">Debt settlement
can consist of offering a one-time payment or installment payment that is less
than the full amount owed. The remaining debt owed is forgiven. </span></div>
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<span style="mso-fareast-font-family: "Times New Roman";">The advantages
of a debt settlement are: it eliminates a monthly payment, puts you back in
good standing with the company, and reduces the total amount of debt you owe,
helps boost your credit score and helps you look more favorable to potential
creditors and lenders.</span></div>
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The disadvantages of a debt settlement are: it may take months before
an actual payment is applied to your debt, you may be subjected to legal action
while waiting for a payment to be made on your account(s), <span style="mso-fareast-font-family: "Times New Roman";">using their service may be
reported on your credit report which lowers your credit score</span>, you will
be required to participate in a payment plan for 3-5 years and will be required
to pay a monthly fee plus setup or other fees<span style="mso-fareast-font-family: "Times New Roman";">. Here are </span>7<span style="mso-fareast-font-family: "Times New Roman";"> effective ways to negotiate a debt settlement.</span></div>
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<li class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-list: l0 level1 lfo1;"><span style="mso-fareast-font-family: "Times New Roman";">Contact
information. Prior to negotiating log the person’s name, direct phone number,
email address, and the name of the company. Avoid providing your home or
work phone number or employer name. </span></li>
<li class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-list: l0 level1 lfo1;"><span style="mso-fareast-font-family: "Times New Roman";">Negotiation
type. Negotiate either over the phone or in writing. Keep accurate notes
of what the representative says and everything you say. </span></li>
<li class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-list: l0 level1 lfo1;"><span style="mso-fareast-font-family: "Times New Roman";">Negotiate.
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outstanding balance. </span></li>
<li class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-list: l0 level1 lfo1;"><span style="mso-fareast-font-family: "Times New Roman";">Documentation.
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determine if you can the debt. Block out your bank account numbers, SSN,
DOB, phone numbers and any other personal information when submitting
documentation. </span></li>
<li class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-list: l0 level1 lfo1;"><span style="mso-fareast-font-family: "Times New Roman";">Proof.
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record the conversation and inform them you are doing so. Request a debt
settlement agreement confirmation letter.</span></li>
<li class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-list: l0 level1 lfo1;"><span style="mso-fareast-font-family: "Times New Roman";">Don’t
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company to lower your interest rate, lower your monthly payment, and waive
any late fees or other fees. </span></li>
<li class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-list: l0 level1 lfo1;"><span style="mso-bidi-font-weight: bold;">Payment.
Pay by money order or cashier’s check which is the safest method. Avoid
paying by personal check. </span></li>
</ol>
<div class="blogger-post-footer">Harrine Freeman, Owner, H.E. Freeman Enterprises
Financial Trainer, Speaker, Author of How to Get Out of Debt: Get an "A" Credit Rating for Free
http://www.hefreemanenterprises.com
Privacy Policy http://www.hefreemanenterprises.com/policy.html</div>Unknownnoreply@blogger.com2tag:blogger.com,1999:blog-32564689.post-71458616343083884832018-06-04T10:00:00.000-04:002018-06-04T10:00:01.633-04:00Free Credit Report Websites Are Not Free<img alt="https://activerain-store.s3.amazonaws.com/image_store/uploads/9/7/2/3/2/ar12399103223279.png" src="https://activerain-store.s3.amazonaws.com/image_store/uploads/9/7/2/3/2/ar12399103223279.png" /><br />
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<style>
/* Style Definitions */
table.MsoNormalTable
{mso-style-name:"Table Normal";
mso-tstyle-rowband-size:0;
mso-tstyle-colband-size:0;
mso-style-noshow:yes;
mso-style-priority:99;
mso-style-parent:"";
mso-padding-alt:0in 5.4pt 0in 5.4pt;
mso-para-margin:0in;
mso-para-margin-bottom:.0001pt;
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<br />
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">Consumers were
entitled to one free credit report from each major credit bureau – Equifax,
Experian and TransUnion every 12 months. Consumers are allowed to obtain a free
copy of a credit report denial of credit, receive public assistance, a victim
of fraud or are unemployed. </span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">Some websites provide
a free credit score but they are not affiliated with the mandated government
website and the credit score provided is not a FICO credit score which is used
by 90% of companies to rate consumers for approval for credit. Credit scores provided
by many free credit score websites offer an estimated credit score. Most major
banks offer customers a free copy of their credit score. </span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">Not all free
credit report websites are the same and many of the websites display
information that is confusing to consumers. In exchange for getting a free
credit score or credit report, consumers risk their personal identity. </span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">Many of these
companies sell, rent or share consumers’ personal information that increases the
risk of identity theft. Many of the free credit report websites offer a free credit
report but require a credit card to sign up. The websites may also offer credit-monitoring
services for a fee. </span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">However, credit
monitoring services can be received free of charge if you have been a victim of
identity theft. The only reputable website to use is </span><a href="http://www.annualcreditreport.com/"><span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">www.annualcreditreport.com</span></a><span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;"> to get a free
copy of your credit report. The website charges a small fee to obtain a copy of
your credit score. </span></div>
<div class="blogger-post-footer">Harrine Freeman, Owner, H.E. Freeman Enterprises
Financial Trainer, Speaker, Author of How to Get Out of Debt: Get an "A" Credit Rating for Free
http://www.hefreemanenterprises.com
Privacy Policy http://www.hefreemanenterprises.com/policy.html</div>Unknownnoreply@blogger.com4tag:blogger.com,1999:blog-32564689.post-75507534570848376782018-05-31T10:30:00.000-04:002018-06-03T15:47:00.593-04:0010 Ways to Pay Taxes If You Are Unemployed <img alt="IRS Facts about Filing & Paying Late - Filak CPA Group ..." class="detail__media__img-highres js-detail-img js-detail-img-high" height="149" src="https://images.duckduckgo.com/iu/?u=http%3A%2F%2Ffilakcpa.com%2Fwp-content%2Fuploads%2F2014%2F04%2FTaxes_Due.jpg&f=1" style="display: block; height: 380px; width: 506.667px;" width="200" /><br />
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</xml><![endif]--><span style="color: black; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";">There are over 10 million Americans are still unemployed. Many
unemployed Americans owe taxes because they are not aware that unemployment
compensation or unemployment benefits are taxable.<span style="mso-spacerun: yes;"> </span></span><span style="color: black;">Seven states
fully exempt unemployment benefits: Montana, New Jersey, </span><b><span style="font-family: "calibri" , sans-serif; font-weight: normal;">Alabama</span></b><span style="color: black;">, Pennsylvania, Arkansas, California, and Virginia.<span style="mso-spacerun: yes;"> </span>Wisconsin and Indiana offer <i><span style="font-family: "calibri" , sans-serif; font-style: normal;">partially</span></i> exempt
unemployment benefits. All other states that offer unemployment benefits tax
them in full.</span><br />
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<span style="color: black; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";">When you apply for unemployment you have the option to have
income tax withheld. If you do not choose this option you will be required to pay
taxes on the money received when you file taxes for the current year and could
end up owning thousands of dollars. </span></div>
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<br /></div>
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<span style="color: black; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";">You will receive a Form 1099-G of the following year which
will show your total unemployment compensation and the amount of federal income
tax and state taxes that were withheld if you choose those options. Even if you
stopped receiving unemployment compensation it is to your advantage to file a
return. You may be entitled to a tax refund if you income is lower for the
year. </span></div>
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<br /></div>
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<span style="color: black; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";">If you took early withdrawals from a pension plan or
retirement account such as a 401k, the withdrawals are taxable unless they are
rolled over into another qualified retirement plan or IRA within 60 days. If
the withdrawal is used to pay for living expenses while you are unemployed the
withdrawals are taxable. In addition, if you are under age 59 ½ you may also be
subject to an additional 10% tax on early withdrawals unless your money is
stored in a 457 plan.<span style="mso-spacerun: yes;"> </span></span></div>
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<span lang="EN" style="color: black; mso-ansi-language: EN; mso-bidi-font-family: Arial;">Here are 10 options if you owe taxes and are unemployed.</span></div>
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<br /></div>
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<span style="color: black; font-family: "calibri" , sans-serif; font-size: 11.0pt;"><span style="mso-list: Ignore;">1.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="color: black; font-family: "calibri" , sans-serif; font-size: 11.0pt;">Apply for a private loan from a friend or relative or from a
peer-to-peer lending company such as Zopa or Prosper. </span></div>
<div style="background: white; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span style="color: black; font-family: "calibri" , sans-serif; font-size: 11.0pt;"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="color: black; font-family: "calibri" , sans-serif; font-size: 11.0pt;">Apply for a hardship withdrawal from a retirement plan or
pension plan.<span style="mso-spacerun: yes;"> </span></span></div>
<div style="background: white; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span style="font-family: "calibri" , sans-serif; font-size: 11.0pt;"><span style="mso-list: Ignore;">3.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="color: black; font-family: "calibri" , sans-serif; font-size: 11.0pt;">Apply for an installment plan and setup an IRS payment
schedule by filing IRS </span><span lang="EN" style="color: black; font-family: "calibri" , sans-serif; font-size: 11.0pt;">Form 1127</span><span style="font-family: "calibri" , sans-serif; font-size: 11.0pt;">.</span></div>
<ol start="4" style="margin-top: 0in;" type="1">
<li class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-list: l0 level1 lfo1;"><span lang="EN" style="mso-ansi-language: EN; mso-bidi-font-family: Calibri;">Pay by credit card.<span style="mso-spacerun: yes;"> </span>Pay by credit card.</span></li>
<li class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-list: l0 level1 lfo1;"><span lang="EN" style="mso-ansi-language: EN; mso-bidi-font-family: Calibri;">Take out a loan from your life insurance
policy.</span></li>
<li class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-list: l0 level1 lfo1;"><span lang="EN" style="mso-ansi-language: EN; mso-bidi-font-family: Calibri;">Borrow money from family or friends.</span></li>
<li class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-list: l0 level1 lfo1;"><span lang="EN" style="mso-ansi-language: EN; mso-bidi-font-family: Calibri;">Consider getting a full-time or part-time
job to earn money to pay back your taxes.</span></li>
<li class="MsoNormal" style="background: white; color: black; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-list: l0 level1 lfo1;"><span style="mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman";">If you can pay the taxes owed within 120 days contact the IRS </span><span style="color: windowtext; mso-fareast-font-family: "Times New Roman";">to see
if you can qualify for a short-term extension.</span><span style="mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman";"></span></li>
<li class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-list: l0 level1 lfo1;">Go to an IRS office to
get advice on the best option to handle your tax situation.</li>
<li class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-list: l0 level1 lfo1;"><span style="color: black; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman";">Request an Offer
in Compromise if you cannot pay the total amount owed. This allows you to </span><a href="https://www.blogger.com/null" name="compromise"></a><span style="mso-fareast-font-family: "Times New Roman";">settle
your tax debt for a smaller amount than you owe if you will be unable to
pay back the amount owed within 10 years.<span style="mso-spacerun: yes;">
</span></span></li>
</ol>
<div class="blogger-post-footer">Harrine Freeman, Owner, H.E. Freeman Enterprises
Financial Trainer, Speaker, Author of How to Get Out of Debt: Get an "A" Credit Rating for Free
http://www.hefreemanenterprises.com
Privacy Policy http://www.hefreemanenterprises.com/policy.html</div>Unknownnoreply@blogger.com1tag:blogger.com,1999:blog-32564689.post-9425462101909511872018-05-27T12:00:00.000-04:002018-06-03T15:38:58.376-04:0011 Financial Tips for Teachers <img alt="Blog" class="detail__media__img-highres js-detail-img js-detail-img-high" height="149" src="https://images.duckduckgo.com/iu/?u=http%3A%2F%2Fwww.wsaccounting.ca%2Fimages%2FFinancial_Plan_Thought_Bubble.jpg&f=1" style="display: block; height: 380px; width: 506.667px;" width="200" /><br />
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<span style="font-family: "calibri" , sans-serif; font-size: 11.0pt;">There are approximately 4 million
teachers in the United States. There are over 50 million students being taught
in the United States.<span style="mso-spacerun: yes;"> </span>Becoming a teacher
is a huge sacrifice and requires specialized education, certification and
continuing education for elementary, middle school and high school levels.<span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: "calibri" , sans-serif; font-size: 11.0pt;">Many teachers are committed to
educating their students despite political, state and local roadblocks. In
addition, teachers are not provided with adequate resources, tools and supplies
for their students.<span style="mso-spacerun: yes;"> </span></span></div>
<span style="font-family: "calibri" , sans-serif; font-size: 11.0pt;">Teachers educate students, make out-of-pocket purchases, and
tackle social issues such as homelessness, poverty, hunger and teaching
students basic life skills. Many teachers spend money to buy their students
necessary supplies such: pencils, papers, pens, glue, arts and crafts, snacks,
clothing, toothbrushes, hygiene products, field trip fees, toys, and alarm
clocks and spend on average $444 a year. However, they not receive
reimbursements and only receive a small tax credit. </span><br />
<br />
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<span style="font-family: "calibri" , sans-serif; font-size: 11.0pt;">The average starting teacher salary is <b><span style="font-family: "calibri" , sans-serif; font-weight: normal;">$35,672. Some teachers are forced
to obtain part-time jobs to make ends meet and to help cover costs for
out-of-pocket expenses for students.<span style="mso-spacerun: yes;"> </span></span></b></span></div>
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<br /></div>
<div class="MsoNormal">
<span style="font-family: "calibri" , sans-serif; font-size: 11.0pt;">Here are eleven financial tips to help
teachers stretch their paychecks. </span></div>
<div class="MsoNormal">
<br /></div>
<ol start="1" style="margin-top: 0in;" type="1">
<li class="MsoNormal" style="mso-list: l0 level1 lfo1; tab-stops: list .5in;"><b style="mso-bidi-font-weight: normal;"><span style="font-family: "calibri" , sans-serif; font-size: 11.0pt;">Create
a Budget</span></b><span style="font-family: "calibri" , sans-serif; font-size: 11.0pt;"> - A budget will help determine
what you owe, what you earn and what you spend. </span></li>
<li class="MsoNormal" style="mso-list: l0 level1 lfo1; tab-stops: list .5in;"><b style="mso-bidi-font-weight: normal;"><span style="font-family: "calibri" , sans-serif; font-size: 11.0pt;">Reduce
Expenses</span></b><span style="font-family: "calibri" , sans-serif; font-size: 11.0pt;"> - Find ways to reduce expenses. Shop
at discount or wholesales stores.<span style="mso-spacerun: yes;"> </span></span></li>
<li class="MsoNormal" style="mso-list: l0 level1 lfo1; tab-stops: list .5in;"><b style="mso-bidi-font-weight: normal;"><span style="font-family: "calibri" , sans-serif; font-size: 11.0pt;">Pay
Down Debt</span></b><span style="font-family: "calibri" , sans-serif; font-size: 11.0pt;"> - Pay more than the minimum
monthly payment to pay down debt faster.</span></li>
<li class="MsoNormal" style="mso-list: l0 level1 lfo1; tab-stops: list .5in;"><b style="mso-bidi-font-weight: normal;"><span style="font-family: "calibri" , sans-serif; font-size: 11.0pt;">Downsize</span></b><span style="font-family: "calibri" , sans-serif; font-size: 11.0pt;">.<span style="mso-spacerun: yes;"> </span>Trade in your
expensive car for a cheaper used car.<span style="mso-spacerun: yes;">
</span>Downgrade your home or refinance to get a lower interest rate.</span></li>
<li class="MsoNormal" style="mso-list: l0 level1 lfo1; tab-stops: list .5in;"><b style="mso-bidi-font-weight: normal;"><span style="font-family: "calibri" , sans-serif; font-size: 11.0pt;">Shop</span></b><span style="font-family: "calibri" , sans-serif; font-size: 11.0pt;">. When shopping at retailers ask for they offer
discounts for teachers. </span></li>
<li class="MsoNormal" style="mso-list: l0 level1 lfo1; tab-stops: list .5in;"><b style="mso-bidi-font-weight: normal;"><span style="font-family: "calibri" , sans-serif; font-size: 11.0pt;">Shop
online for bargains</span></b><span style="font-family: "calibri" , sans-serif; font-size: 11.0pt;">. Use
comparison shopping websites to find bargains at sites like Amazon, eBay
or Bizrate.com.</span></li>
<li class="MsoNormal" style="mso-list: l0 level1 lfo1; tab-stops: list .5in;"><b style="mso-bidi-font-weight: normal;"><span style="font-family: "calibri" , sans-serif; font-size: 11.0pt;">Coupons</span></b><span style="font-family: "calibri" , sans-serif; font-size: 11.0pt;">. Use coupons when shopping. Also shop at discount stores
such as Costco, Sam's Club or Target.</span></li>
<li class="MsoNormal" style="mso-list: l0 level1 lfo1; tab-stops: list .5in;"><b style="mso-bidi-font-weight: normal;"><span style="font-family: "calibri" , sans-serif; font-size: 11.0pt;">Barter</span></b><span style="font-family: "calibri" , sans-serif; font-size: 11.0pt;">.<span style="mso-spacerun: yes;"> </span>Barter
services with friends, co-workers or family members who have businesses or
who can provide a skill, produce or service that you need. </span></li>
<li class="MsoNormal" style="mso-list: l0 level1 lfo1; tab-stops: list .5in;"><b style="mso-bidi-font-weight: normal;"><span style="font-family: "calibri" , sans-serif; font-size: 11.0pt;">Used
vs. New</span></b><span style="font-family: "calibri" , sans-serif; font-size: 11.0pt;">.<span style="mso-spacerun: yes;">
</span>Buy used vs. new items.</span></li>
<li class="MsoNormal" style="mso-list: l0 level1 lfo1; tab-stops: list .5in;"><b style="mso-bidi-font-weight: normal;"><span style="font-family: "calibri" , sans-serif; font-size: 11.0pt;">Student
loan forgiveness programs</span></b><span style="font-family: "calibri" , sans-serif; font-size: 11.0pt;">.
<span class="body1"><span style="color: windowtext; font-family: "calibri" , sans-serif; mso-ansi-font-size: 11.0pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 11.0pt;">Teachers who work in low-income elementary or secondary
schools may be able to cancel a portion or all of their federal </span></span><span class="body1"><span style="font-family: "calibri" , sans-serif; mso-ansi-font-size: 11.0pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 11.0pt;">student
</span></span><span class="body1"><span style="color: windowtext; font-family: "calibri" , sans-serif; mso-ansi-font-size: 11.0pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 11.0pt;">loan debt.</span></span></span></li>
<li class="MsoNormal" style="mso-list: l0 level1 lfo1; tab-stops: list .5in;"><b style="mso-bidi-font-weight: normal;"><span style="font-family: "calibri" , sans-serif; font-size: 11.0pt;">Consult
a professional</span></b><span style="font-family: "calibri" , sans-serif; font-size: 11.0pt;"> – Consult a professional to set current
and future financial goals.</span></li>
</ol>
<div class="blogger-post-footer">Harrine Freeman, Owner, H.E. Freeman Enterprises
Financial Trainer, Speaker, Author of How to Get Out of Debt: Get an "A" Credit Rating for Free
http://www.hefreemanenterprises.com
Privacy Policy http://www.hefreemanenterprises.com/policy.html</div>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-32564689.post-8130058682709582522018-05-23T09:00:00.000-04:002018-06-03T15:27:25.950-04:00Fight Identity Theft with Prepaid Cards <img alt="https://usa.visa.com/pay-with-visa/cards/prepaid-cards/_jcr_content/par/cardstack/cardStackColumn1/image.img.jpg/1500670663343.jpg" class="shrinkToFit" height="225" src="https://usa.visa.com/pay-with-visa/cards/prepaid-cards/_jcr_content/par/cardstack/cardStackColumn1/image.img.jpg/1500670663343.jpg" width="400" /><br />
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<span style="color: black; mso-bidi-font-family: Calibri; mso-bidi-font-weight: bold;">Every year millions of people are victims of
identity theft including credit card and debit card holders.<span style="mso-spacerun: yes;"> </span>One way to protect yourself from identity
theft is to purchase a prepaid credit card or prepaid debit card.<span style="mso-spacerun: yes;"> </span>American Express recently began offering a
prepaid debit card. I made a decision to pay for everything with cash.<span style="mso-spacerun: yes;"> </span></span></div>
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<br /></div>
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<span style="color: black; mso-bidi-font-family: Calibri; mso-bidi-font-weight: bold;">However, some merchants prefer customers pay with a
credit card. However, there are several benefits of using a prepaid credit card.<span style="mso-spacerun: yes;"> </span>The benefits of using a prepaid debit card are:</span></div>
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<br /></div>
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retail location.</span></li>
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<span style="font-family: "Calibri",sans-serif; font-size: 11.0pt; mso-fareast-font-family: Calibri;"><span style="mso-list: Ignore;">6.<span style="font: 7.0pt "Times New Roman";">
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<li class="MsoNormal" style="mso-list: l0 level1 lfo1;"><span style="mso-bidi-font-family: Calibri;">Can’t go over the limit.</span></li>
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<span style="font-family: "Calibri",sans-serif; font-size: 11.0pt; mso-fareast-font-family: Calibri;"><span style="mso-list: Ignore;">8.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-family: "Calibri",sans-serif; font-size: 11.0pt;">Can
be used overseas.</span></div>
<div style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span style="font-family: "Calibri",sans-serif; font-size: 11.0pt; mso-fareast-font-family: Calibri;"><span style="mso-list: Ignore;">9.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-family: "Calibri",sans-serif; font-size: 11.0pt;">Can
be used at ATMs.</span></div>
<div style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span style="font-family: "Calibri",sans-serif; font-size: 11.0pt; mso-fareast-font-family: Calibri;"><span style="mso-list: Ignore;">10.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-family: "Calibri",sans-serif; font-size: 11.0pt;">Some
companies use codes to prevent credit card skimming such as American Express,
Discover and MasterCard.</span></div>
<div style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span style="font-family: "Calibri",sans-serif; font-size: 11.0pt; mso-fareast-font-family: Calibri;"><span style="mso-list: Ignore;">11.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-family: "Calibri",sans-serif; font-size: 11.0pt;">Must
be 18.</span></div>
<div style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span style="font-family: "Calibri",sans-serif; font-size: 11.0pt; mso-fareast-font-family: Calibri;"><span style="mso-list: Ignore;">12.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-family: "Calibri",sans-serif; font-size: 11.0pt;">Can
reload money as many times as you want.</span></div>
<div style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span style="font-family: "Calibri",sans-serif; font-size: 11.0pt; mso-fareast-font-family: Calibri;"><span style="mso-list: Ignore;">13.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-family: "Calibri",sans-serif; font-size: 11.0pt;">Can
make purchases online.</span></div>
<ol start="14" style="margin-top: 0in;" type="1">
<li class="MsoNormal" style="mso-list: l0 level1 lfo1;"><span style="mso-bidi-font-family: Calibri;">No late fees.</span></li>
</ol>
<div class="blogger-post-footer">Harrine Freeman, Owner, H.E. Freeman Enterprises
Financial Trainer, Speaker, Author of How to Get Out of Debt: Get an "A" Credit Rating for Free
http://www.hefreemanenterprises.com
Privacy Policy http://www.hefreemanenterprises.com/policy.html</div>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-32564689.post-3276353456320859052018-05-19T11:30:00.000-04:002018-06-03T15:27:48.900-04:00How to Stop Undercharging Clients <img alt="https://greengrowthconsulting.files.wordpress.com/2014/06/value-price.jpg" height="212" src="https://greengrowthconsulting.files.wordpress.com/2014/06/value-price.jpg" width="400" /><br />
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<br />
<div style="margin-bottom: .0001pt; margin: 0in;">
<br /></div>
<div style="margin-bottom: .0001pt; margin: 0in;">
<span style="font-family: "calibri" , sans-serif; font-size: 11.0pt;">When I
first started my business I undercharged clients all the time because I was so
eager to become a business owner and didn’t research the competition for
pricing. In many instances clients would say “I can’t believe you only charge
this much” or “You should be charging more”.</span></div>
<div style="margin-bottom: .0001pt; margin: 0in;">
<br /></div>
<div style="margin-bottom: .0001pt; margin: 0in;">
<span style="font-family: "calibri" , sans-serif; font-size: 11.0pt;">During
the first few years I had several accounts in the red due to clients not paying
or providing partial payments. I didn’t want to spend the money to hire a
collection agency so I just absorbed the loss.<span style="mso-spacerun: yes;">
</span>I later realized this was not the right business decision.<span style="mso-spacerun: yes;"> </span>I now have an effective invoicing system in
place and use software to keep track of clients, billing and revenue. I also keep
track of “pro bono” work I provide and have policies where I only do a certain
amount of “pro bono” work each month. I realized that a business owner should
be in business to make money. </span></div>
<div style="margin-bottom: .0001pt; margin: 0in;">
<br /></div>
<div style="margin-bottom: .0001pt; margin: 0in;">
<span style="font-family: "calibri" , sans-serif; font-size: 11.0pt;">Undercharging
directly relates to your level of confidence in your skills and abilities. The
more confident you are the easier it will become to establish effective prices
that help generate revenue. Time is money.<span style="mso-spacerun: yes;">
</span>Your fees reflect how you value your services and should show your worth.</span></div>
<div style="margin-bottom: .0001pt; margin: 0in;">
<br /></div>
<div style="margin-bottom: .0001pt; margin: 0in;">
<span style="font-family: "calibri" , sans-serif; font-size: 11.0pt;">You
can’t help anyone if you are broke and in debt. Remember this is business not
personal. This is part of running a business. Your business with not be
sustainable if you continue to undercharge for your services. I learned from my
mistakes and hope that other business owners use this valuable advice to
prevent making the same mistakes I did. </span></div>
<div style="margin-bottom: .0001pt; margin: 0in;">
<br /></div>
<div style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span style="font-family: "calibri" , sans-serif; font-size: 11.0pt;"><span style="mso-list: Ignore;">1.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-family: "calibri" , sans-serif; font-size: 11.0pt;">Research competitive prices and adjust prices as needed.</span></div>
<div style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span style="font-family: "calibri" , sans-serif; font-size: 11.0pt;"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-family: "calibri" , sans-serif; font-size: 11.0pt;">Created policies and processes for clients who failed to pay or
who paid late.</span></div>
<div style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span style="font-family: "calibri" , sans-serif; font-size: 11.0pt;"><span style="mso-list: Ignore;">3.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-family: "calibri" , sans-serif; font-size: 11.0pt;">Discounts have to be earned not given freely.</span></div>
<div style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span style="font-family: "calibri" , sans-serif; font-size: 11.0pt;"><span style="mso-list: Ignore;">4.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-family: "calibri" , sans-serif; font-size: 11.0pt;">Don’t be afraid to ask for what you deserve and don’t be afraid to
ask for payments from clients.</span></div>
<div style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span style="font-family: "calibri" , sans-serif; font-size: 11.0pt;"><span style="mso-list: Ignore;">5.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-family: "calibri" , sans-serif; font-size: 11.0pt;">Use tools such as pricing worksheet <a href="http://www.chicagoartistsresource.org/articles/pricing-worksheet">http://www.chicagoartistsresource.org/articles/pricing-worksheet</a>,
retainer based services worksheet <a href="http://stefan.haflidason.com/worksheet-offering-retainer-based-services-for-recurring-revenue/">http://stefan.haflidason.com/worksheet-offering-retainer-based-services-for-recurring-revenue/</a>
or business worksheet <a href="http://www.nesta.org.uk/sites/default/files/cet_worksheets_case_studies_and_tutor_notes.pdf">http://www.nesta.org.uk/sites/default/files/cet_worksheets_case_studies_and_tutor_notes.pdf</a>
</span></div>
<div style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span style="font-family: "calibri" , sans-serif; font-size: 11.0pt;"><span style="mso-list: Ignore;">6.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-family: "calibri" , sans-serif; font-size: 11.0pt;">Read books such as Value Based Fees How to Charge and Get What
You’re Worth by Alan Weiss.</span></div>
<div style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span style="font-family: "calibri" , sans-serif; font-size: 11.0pt;"><span style="mso-list: Ignore;">7.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-family: "calibri" , sans-serif; font-size: 11.0pt;">Use resources such as attending business seminars, joining your
local Chamber of Commerce. </span></div>
<div class="MsoNormal">
<br /></div>
<div class="blogger-post-footer">Harrine Freeman, Owner, H.E. Freeman Enterprises
Financial Trainer, Speaker, Author of How to Get Out of Debt: Get an "A" Credit Rating for Free
http://www.hefreemanenterprises.com
Privacy Policy http://www.hefreemanenterprises.com/policy.html</div>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-32564689.post-20268013220291862352018-05-15T09:41:00.001-04:002018-05-15T09:42:19.731-04:00Spending Habits That Make You Look Broke<div class="separator" style="clear: both; text-align: center;">
<a href="https://1.bp.blogspot.com/-gGKplL15D2g/Wvrjk0tYSKI/AAAAAAAABaQ/dBlQke2efwcGFjnvzd_MaSoeDvcld1j4gCLcBGAs/s1600/Spend%2BWisely3.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="205" data-original-width="300" src="https://1.bp.blogspot.com/-gGKplL15D2g/Wvrjk0tYSKI/AAAAAAAABaQ/dBlQke2efwcGFjnvzd_MaSoeDvcld1j4gCLcBGAs/s1600/Spend%2BWisely3.jpg" /></a></div>
<br />
<div class="MsoNormal" style="line-height: normal;">
<span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;">At some point in your life or even now
you have had at least one bad spending habit. My bad spending habits started in
college when I was approved for my first credit card. This type of behavior
leads to unnecessary debt and can lead to financial crises such as bad credit,
collections, judgments or wage garnishments. </span></div>
<div class="MsoNormal" style="line-height: normal;">
<br /></div>
<div class="MsoNormal" style="line-height: normal;">
<span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;">These habits can be inherited from
parents, relatives, siblings or friends. These habits usually start or are
implanted in your subconscious as a child and stay with you throughout
adulthood. </span></div>
<div class="MsoNormal" style="line-height: normal;">
<span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;">Determine where the bad spending
habits started. Stop these bad habits now will save you time, money and stress
in the future. <span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal" style="line-height: normal;">
<br /></div>
<div class="MsoNormal" style="line-height: normal;">
<span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;">Examples of bad spending habits are: overspending
or spending more than you earn, impulse or emotional shopping, using payday loans
or check-caused stores, using money orders instead of writing checks or using
online banking; talking about your purchases and the cost.<span style="mso-spacerun: yes;"> </span>Here are x way to stop bad spending habits
that make you look poor. </span></div>
<div class="MsoNormal" style="line-height: normal;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;"><span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;">RECORD SPENDING HABITS</span></b></div>
<div class="MsoNormal" style="line-height: normal;">
<span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;">To stop bad spending habits write down
your daily spending on paper and pen, Word or Excel or use a smartphone app.
Assess your spending each week to determine areas where you can reduce
spending. </span></div>
<br />
<span style="font-family: "Calibri",sans-serif; font-size: 11.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;">Create
a budget to track spending or use a budget app. Create realistic financial
goals to help you stay on track with your spending. Go on a 30 day spending
fast. Stop charging and buy only basic necessities. </span><br />
<div class="MsoNormal" style="line-height: normal;">
<span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;">Use voice recording, set alerts or
reminders when bills are due and any other tasks to help you eliminate your bad
spending habits. Seek professional therapy to help change your mindset. </span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;"><span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;">DO RESEARCH</span></b></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;">Comparison
shop to obtain at least 3 price quotes to find the best deal. Search online and
on social medial sites for discounts and specials. Sign up for email or text
alerts. Use comparison sites like Amazon, Bizrate and Price Grabber or
smartphone apps like BuyVia or RedLaser.</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;"><span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;">SET REMINDERS</span></b></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;">Sign
up for email or text alerts about coupons, discounts or specials on item your
regularly purchase. Use cash back or rewards points earned to make purchases. </span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;"><span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;">PAY LESS</span></b></div>
<div style="margin-bottom: .0001pt; margin: 0in;">
<span style="font-family: "Calibri",sans-serif; font-size: 11.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;">You no longer have to pay full
price for any item. You can comparison shop, ask for price matching or
negotiate to obtain a lower price.<span style="mso-spacerun: yes;">
</span>Reduce temptation when shopping and leave your debit card or check card
at home. </span></div>
<div class="blogger-post-footer">Harrine Freeman, Owner, H.E. Freeman Enterprises
Financial Trainer, Speaker, Author of How to Get Out of Debt: Get an "A" Credit Rating for Free
http://www.hefreemanenterprises.com
Privacy Policy http://www.hefreemanenterprises.com/policy.html</div>Unknownnoreply@blogger.com1tag:blogger.com,1999:blog-32564689.post-71318006010884626712018-05-08T08:00:00.000-04:002018-05-08T08:00:11.075-04:00The Real Cost of Gym Memberships<div class="separator" style="clear: both; text-align: center;">
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<span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">May
is </span>National Physical Fitness and Sports Month. <span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">If you type in the word gym, it returns over
630 million search results. This shows that many people are concerned about
health and physical fitness. According to research from International Health,
Racquet and Sportsclub Association and Bureau of Labor Statistics the average
person goes to the gym twice a week. The average cost of a gym membership is
$58 per month but prices can range from $10 to $100 per month. Approximately 58
million people go to a gyms or health clubs. </span></div>
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<br /></div>
<br />
<br />
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;"><span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;"></span></b></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;"><span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">How to Select a Gym/Health Club</span></b></div>
<ol start="1" style="margin-top: 0in;" type="1">
<li class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-list: l1 level1 lfo1;"><span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">Read the agreement. Some gyms offer extra services that are
included in your membership, take advantage of them. </span></li>
<li class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-list: l1 level1 lfo1;"><span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">Pass. Ask for a guest pass to try out the facilities before
joining.</span></li>
<li class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-list: l1 level1 lfo1;"><span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">Comparison shop. Look for deals for memberships online and
use coupons from Groupon or Living Social.</span></li>
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<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;"></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;"><span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">How to Negotiate Prices</span></b></div>
<div style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; mso-list: l3 level1 lfo4; text-indent: -.25in;">
<span style="font-family: "Calibri",sans-serif; font-size: 11.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;"><span style="mso-list: Ignore;">1.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-family: "Calibri",sans-serif; font-size: 11.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-hansi-theme-font: minor-latin;">Set a price you want to pay and offer 10% - 20% less than
that amount.</span></div>
<div style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; mso-list: l3 level1 lfo4; text-indent: -.25in;">
<span style="font-family: "Calibri",sans-serif; font-size: 11.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-family: "Calibri",sans-serif; font-size: 11.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-hansi-theme-font: minor-latin;">Quote competitor prices to get a better deal. </span></div>
<div style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; mso-list: l3 level1 lfo4; text-indent: -.25in;">
<span style="font-family: "Calibri",sans-serif; font-size: 11.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;"><span style="mso-list: Ignore;">3.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-family: "Calibri",sans-serif; font-size: 11.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-hansi-theme-font: minor-latin;">Ask that the initiation fee and other fees be waived.</span></div>
<div style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; mso-list: l3 level1 lfo4; text-indent: -.25in;">
<span style="font-family: "Calibri",sans-serif; font-size: 11.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;"><span style="mso-list: Ignore;">4.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-family: "Calibri",sans-serif; font-size: 11.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-hansi-theme-font: minor-latin;">Refer friends and family to the gym to get credits on
bonuses on your membership.</span></div>
<div style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; mso-list: l3 level1 lfo4; text-indent: -.25in;">
<span style="font-family: "Calibri",sans-serif; font-size: 11.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;"><span style="mso-list: Ignore;">5.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-family: "Calibri",sans-serif; font-size: 11.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-hansi-theme-font: minor-latin;">Ask for the Sales Manager and negotiate. The front desk
clerk may not have authority to negotiate.</span></div>
<div style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; mso-list: l3 level1 lfo4; text-indent: -.25in;">
<span style="font-family: "Calibri",sans-serif; font-size: 11.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;"><span style="mso-list: Ignore;">6.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-family: "Calibri",sans-serif; font-size: 11.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-hansi-theme-font: minor-latin;">Negotiate when your contract is about to expire.</span></div>
<div style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; mso-list: l3 level1 lfo4; text-indent: -.25in;">
<span style="font-family: "Calibri",sans-serif; font-size: 11.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;"><span style="mso-list: Ignore;">7.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-family: "Calibri",sans-serif; font-size: 11.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-hansi-theme-font: minor-latin;">Do not accept the first or second offer. </span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman"; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">How to Save Money on Fees</span></b><span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman"; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;"></span></div>
<ol start="1" style="margin-top: 0in;" type="1">
<li class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-list: l2 level1 lfo2; tab-stops: list .5in;"><span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman"; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">Some gyms will offer three to six month
memberships.</span></li>
<li class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-list: l2 level1 lfo2; tab-stops: list .5in;"><span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman"; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">If you pay by the year you can save
anywhere from 20% – 40%.</span></li>
<li class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-list: l2 level1 lfo2; tab-stops: list .5in;"><span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman"; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">S</span><span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman"; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">ome gyms let you sign contracts for a
few years in advance.</span></li>
<li class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-list: l2 level1 lfo2; tab-stops: list .5in;">Find pay-as-you-go
facilities. </li>
<li class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-list: l2 level1 lfo2; tab-stops: list .5in;">Look for deals on
memberships online and use coupons from Groupon or Living Social.</li>
<li class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-list: l2 level1 lfo2; tab-stops: list .5in;">You may be able to get
fees waived or reduced if you pay cash.</li>
<li class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-list: l2 level1 lfo2; tab-stops: list .5in;">Avoid buying extra
membership services most are never used.</li>
</ol>
<div class="blogger-post-footer">Harrine Freeman, Owner, H.E. Freeman Enterprises
Financial Trainer, Speaker, Author of How to Get Out of Debt: Get an "A" Credit Rating for Free
http://www.hefreemanenterprises.com
Privacy Policy http://www.hefreemanenterprises.com/policy.html</div>Unknownnoreply@blogger.com1tag:blogger.com,1999:blog-32564689.post-82743919548651099642018-05-01T00:14:00.000-04:002018-05-06T00:15:10.829-04:00Wise Ways to Invest Your Tax Refund<div class="separator" style="clear: both; text-align: center;">
<a href="https://2.bp.blogspot.com/-j86m54gCgGA/Wu6BJR6bluI/AAAAAAAABZc/sIhKnEdMnOcF7UFTtwyE0EUvjmncdut5QCLcBGAs/s1600/Invest%2BTax%2BRefund5.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="520" data-original-width="520" height="320" src="https://2.bp.blogspot.com/-j86m54gCgGA/Wu6BJR6bluI/AAAAAAAABZc/sIhKnEdMnOcF7UFTtwyE0EUvjmncdut5QCLcBGAs/s320/Invest%2BTax%2BRefund5.png" width="320" /></a></div>
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<br />
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<span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">Did you get a
tax refund this year? You are not alone. Many Americans love getting a tax
refund each year. A tax refund is the amount of money you over pay in taxes in
each year. However, a tax refund is just another way to help the government
make money. The money each taxpayer pays during the year is placed in a high
interest bearing account and the government keeps the interest. The money given
in a tax refund is small compared to the money the government earns each year
from the millions of taxpayers in America.</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">There are only
a few instances when you should overpay your taxes; if you want to use the
extra money to pay down debt during the year or if you believe you will owe
taxes at the end of the year. If you work hard all year long, why do you wait until
the end of the year to get back money you earned? Get your money upfront by
adjusting your tax withholdings. Consult an accountant to make sure do not end
up owning money at the end of the year. </span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">If you are
struggling to pay bills or need to get out of debt your tax refund can be a
lifesaver. However, it is up to you to determine how to spend it. If you do not
come from a wealthy family, you are the only one you can depend on so make wise
choices with your money because no one knows what the future holds. It is easy
to get in debt and stay in debt, swipe that check card or credit card and ignore
the bills. It takes courage to look at your situation and make a decision to do
better. </span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<br /></div>
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<span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">I was $19,000
in credit card debt after graduating college earning $21,000 a year at my first
job. I lost my job and was unable to make the minimum monthly payments. I was
hired for another job but it took me four years to pay off all of my debt. It
was the hardest four years of my life but I learned valuable lessons that a
bankruptcy lawyer, credit counselor or financial advisor could teach me. I
learned the hard way and those lessons were never forgotten. Remember what your
grandparents said and save for a rainy day. Here are four ways to use your tax
refund wisely.</span></div>
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<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;"><span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">Invest $500</span></b></div>
<div style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; mso-list: l1 level1 lfo1; text-indent: -.25in;">
<span style="font-family: Symbol; font-size: 11.0pt; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="font-family: "Calibri",sans-serif; font-size: 11.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-hansi-theme-font: minor-latin;">Buy
a mutual fund, some allow you to start with as little as $50 a month</span></div>
<div style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; mso-list: l1 level1 lfo1; text-indent: -.25in;">
<span style="font-family: Symbol; font-size: 11.0pt; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="font-family: "Calibri",sans-serif; font-size: 11.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-hansi-theme-font: minor-latin;">Open
a discount brokerage account and buy individual shares </span></div>
<ul style="margin-top: 0in;" type="disc">
<li class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-list: l1 level1 lfo1;"><span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman"; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">Open an
IRA with a low expense ratio under 1%</span></li>
<li class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-list: l1 level1 lfo1;"><span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman"; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">Open a CD, higher interest rates can be found with online banks or
longer CD terms (1-5 years)</span><span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman"; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;"></span></li>
<li class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-list: l1 level1 lfo1;"><span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">Open an online high interest money market account that has no
fees or minimum balances</span></li>
<li class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-list: l1 level1 lfo1;"><span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman"; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">Open an online interest checking account</span><span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman"; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;"> that earns 2% or more</span></li>
<li class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-list: l1 level1 lfo1;"><span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman"; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">Participate
in a DRIP (dividend reinvestment program) to buy stock directly from
companies and automatically reinvest the dividends earned from the stock</span></li>
<li class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-list: l1 level1 lfo1;"><span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Times New Roman"; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">Join an
investing club, they usually charge a membership or annual fee to join</span></li>
</ul>
<div style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; mso-list: l1 level1 lfo1; mso-outline-level: 3; text-indent: -.25in;">
<span style="font-family: Symbol; font-size: 11.0pt; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="font-family: "Calibri",sans-serif; font-size: 11.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-hansi-theme-font: minor-latin;">Pay
down debt</span></div>
<div style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; mso-list: l1 level1 lfo1; mso-outline-level: 3; text-indent: -.25in;">
<span style="font-family: Symbol; font-size: 11.0pt; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="font-family: "Calibri",sans-serif; font-size: 11.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-hansi-theme-font: minor-latin;">Start
a savings account to cover monthly bills and expenses from 9-12 months</span></div>
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<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;"><span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">Invest $1,000</span></b></div>
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<span style="font-family: Symbol; font-size: 11.0pt; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="font-family: "Calibri",sans-serif; font-size: 11.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-hansi-theme-font: minor-latin;">Start
a savings account to cover monthly bills and expenses from 9-12 months</span></div>
<ul style="margin-top: 0in;" type="disc">
<li class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-list: l2 level1 lfo4;"><span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">Invest in an exchange traded fund or buy individual shares of
stock</span></li>
<li class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-list: l2 level1 lfo4;"><span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">Buy municipal bonds with at least BBB rating</span></li>
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<div style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; mso-list: l2 level1 lfo4; mso-outline-level: 3; text-indent: -.25in;">
<span style="font-family: Symbol; font-size: 11.0pt; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="font-family: "Calibri",sans-serif; font-size: 11.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-weight: bold; mso-hansi-theme-font: minor-latin;">Buy 100 shares of a stock priced at less than $10 or
buy 50 shares of a stock priced at less than $20, etc.</span><span style="font-family: "Calibri",sans-serif; font-size: 11.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-hansi-theme-font: minor-latin;"></span></div>
<div style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; mso-list: l2 level1 lfo4; mso-outline-level: 3; text-indent: -.25in;">
<span style="font-family: Symbol; font-size: 11.0pt; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="font-family: "Calibri",sans-serif; font-size: 11.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-hansi-theme-font: minor-latin;">Invest
in a mutual fund</span></div>
<div style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; mso-list: l2 level1 lfo4; mso-outline-level: 3; text-indent: -.25in;">
<span style="font-family: Symbol; font-size: 11.0pt; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="font-family: "Calibri",sans-serif; font-size: 11.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-hansi-theme-font: minor-latin;">Contribute
to your retirement account</span></div>
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<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;"><span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">Invest $5,000</span></b></div>
<ul style="margin-top: 0in;" type="disc">
<li class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-list: l3 level1 lfo3;"><span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">Open a 529 college savings plan</span></li>
<li class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-list: l3 level1 lfo3;"><span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">Invest in a low-to-medium-risk mutual fund</span></li>
<li class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-list: l3 level1 lfo3;"><span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">Invest the maximum in a Roth IRA ($5,000 per year)</span></li>
<li class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-list: l3 level1 lfo3;"><span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">Buy municipal bonds with at least BBB rating</span></li>
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<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;"><span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">Invest $10,000</span></b></div>
<ul style="margin-top: 0in;" type="disc">
<li class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-list: l0 level1 lfo2;"><span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">Buy a franchise</span></li>
<li class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-list: l0 level1 lfo2;"><span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">Invest in a profitable business</span></li>
<li class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-list: l0 level1 lfo2;"><span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">Start a business</span></li>
<li class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-list: l0 level1 lfo2;"><span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">Buy real estate</span></li>
</ul>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<br /></div>
<div class="blogger-post-footer">Harrine Freeman, Owner, H.E. Freeman Enterprises
Financial Trainer, Speaker, Author of How to Get Out of Debt: Get an "A" Credit Rating for Free
http://www.hefreemanenterprises.com
Privacy Policy http://www.hefreemanenterprises.com/policy.html</div>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-32564689.post-91765201408462977002018-04-24T19:51:00.000-04:002018-04-25T19:52:02.125-04:00Take Charge of Your Finances<div class="separator" style="clear: both; text-align: center;">
<a href="https://4.bp.blogspot.com/-EIu_WC9Xw8I/WuEUczgCOVI/AAAAAAAABZA/fgOy6DBVMjccCUAqKRmy3g67elTNcf7xwCEwYBhgL/s1600/Financial%2BLiteracy.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="269" data-original-width="334" height="257" src="https://4.bp.blogspot.com/-EIu_WC9Xw8I/WuEUczgCOVI/AAAAAAAABZA/fgOy6DBVMjccCUAqKRmy3g67elTNcf7xwCEwYBhgL/s320/Financial%2BLiteracy.png" width="320" /></a></div>
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<br />
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<span style="font-family: "Calibri",sans-serif; font-size: 11.0pt;">Americans
have a greater need to educate themselves about how to effectively manage their
finances because many employers are eliminating retirement plans and offering
401K’s, 457 or 403b as an alternative. Social Security may not be available for
those who are in their 50s or younger. Those who are unemployed, underemployed
or retired also need adequate skills to properly manage their finances. In
addition, financial products and services are more complex and perplexing. April
is Financial Literacy Month that stresses the importance of financial literacy.
</span></div>
<div style="margin-bottom: .0001pt; margin: 0in;">
<br /></div>
<div style="margin-bottom: .0001pt; margin: 0in;">
<span style="font-family: "Calibri",sans-serif; font-size: 11.0pt;">Without adequate knowledge about basic
financial literacy concepts, consumers can make devastating financial mistakes
that can take years to recover. Regularly practicing good money management
habits eliminate the needs for dependency on credit cards, payday loans or
title loans and cash advances.</span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: "Calibri",sans-serif; font-size: 11.0pt;">The
financial stability of families is directly linked to economic growth in
America. The economy is stronger when more Americans have jobs, increases in income
and an accumulation of wealth.</span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: "Calibri",sans-serif; font-size: 11.0pt;">Financially
strong families tend to have better money management skills and are more
willing to make major purchases that help advance our economy. Financially
successful people save more and are more able to get approval for credit cards
and loans.<br />
<br />
The average American believes all they need to do is go to work everyday and
pay their bills on time. However, being a responsible consumer requires much more.
Consumers need to be able to make informed decisions about how to earn, spend
and grow their money. </span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: "Calibri",sans-serif; font-size: 11.0pt;">This
is where the importance of financial literacy plays a key role. The lack of
financial literacy education and effective money management skills result in
mounds of debt, low credit scores, denial for approval of credit and loans,
increased foreclosures and bankruptcies. These factors ultimately slow economic
growth. <br />
<br />
Financial literacy increases the awareness of the benefits and risks of
consumer credit and the consequences of poor money management skills. Financial
literacy benefits include: accumulating wealth, planning for retirement, planning
for children’s college education, starting a business, ability to make large
purchases, maintain good credit and achieve financial goals. Financially
literate consumers help the banking industry by purchasing products and
services which results in stable banks, better customer service, lower fees,
and increases in money available for lending. <br />
<br />
The primary benefit of financial literacy is providing an improved standard of
living for students, individuals and families. <span style="mso-spacerun: yes;"> </span>Financial literacy helps individuals and
families accumulate wealth and live a financially stable life. Families are
also able to pass knowledge on to their children and future generations.</span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: "Calibri",sans-serif; font-size: 11.0pt;">This
month make at least one change to your spending habits to help pay down debt,
create a savings account or start planning for your retirement. Make a promise
to yourself and your family that starting in April you will do at least one of
the following to improve your financial life. Here is a suggested list:</span></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://2.bp.blogspot.com/-EIu_WC9Xw8I/WuEUczgCOVI/AAAAAAAABZA/Sf22PHAzhtYRjWz1X05DVomoVoK7xtA6gCLcBGAs/s1600/Financial%2BLiteracy.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="269" data-original-width="334" height="257" src="https://2.bp.blogspot.com/-EIu_WC9Xw8I/WuEUczgCOVI/AAAAAAAABZA/Sf22PHAzhtYRjWz1X05DVomoVoK7xtA6gCLcBGAs/s320/Financial%2BLiteracy.png" width="320" /></a></div>
<br /><br />
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<br /></div>
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<li class="MsoNormal" style="mso-list: l0 level1 lfo1; tab-stops: list .5in;"><span style="font-family: "Calibri",sans-serif; font-size: 11.0pt;">Create a budget
or spending plan and track spending daily, weekly or monthly.</span></li>
<li class="MsoNormal" style="mso-list: l0 level1 lfo1; tab-stops: list .5in;"><span style="font-family: "Calibri",sans-serif; font-size: 11.0pt;">Pay bills on
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<li class="MsoNormal" style="mso-list: l0 level1 lfo1; tab-stops: list .5in;"><span style="font-family: "Calibri",sans-serif; font-size: 11.0pt;">Verify financial
statements each month. </span></li>
<li class="MsoNormal" style="mso-list: l0 level1 lfo1; tab-stops: list .5in;"><span style="font-family: "Calibri",sans-serif; font-size: 11.0pt;">Create an
emergency fund to cover bills and monthly expenses for 9-12 months.</span></li>
<li class="MsoNormal" style="mso-list: l0 level1 lfo1; tab-stops: list .5in;"><span style="font-family: "Calibri",sans-serif; font-size: 11.0pt;">Get current on
any late bills by negotiating with creditors or setup payment plans.</span></li>
<li class="MsoNormal" style="mso-list: l0 level1 lfo1; tab-stops: list .5in;"><span style="font-family: "Calibri",sans-serif; font-size: 11.0pt;">Reduce monthly
spending by 30-50%.</span></li>
<li class="MsoNormal" style="mso-list: l0 level1 lfo1; tab-stops: list .5in;"><span style="font-family: "Calibri",sans-serif; font-size: 11.0pt;">Buy more of
items you need instead of items you want.</span></li>
<li class="MsoNormal" style="mso-list: l0 level1 lfo1; tab-stops: list .5in;"><span style="font-family: "Calibri",sans-serif; font-size: 11.0pt;">Use credit cards
for emergencies only.</span></li>
<li class="MsoNormal" style="mso-list: l0 level1 lfo1; tab-stops: list .5in;"><span style="font-family: "Calibri",sans-serif; font-size: 11.0pt;">Do not buy
something if you do not have the cash to pay for it.</span></li>
<li class="MsoNormal" style="mso-list: l0 level1 lfo1; tab-stops: list .5in;"><span style="font-family: "Calibri",sans-serif; font-size: 11.0pt;">Order a copy of
your credit report and dispute any errors.</span></li>
<li class="MsoNormal" style="mso-list: l0 level1 lfo1; tab-stops: list .5in;"><span style="font-family: "Calibri",sans-serif; font-size: 11.0pt;">Avoid using
risky options such as payday loans, cash advance or title loans.</span></li>
<li class="MsoNormal" style="mso-list: l0 level1 lfo1; tab-stops: list .5in;"><span style="font-family: "Calibri",sans-serif; font-size: 11.0pt;">Get overdraft
protection to reduce bounced check fees and find banks with little to no
monthly fees.</span></li>
<li class="MsoNormal" style="mso-list: l0 level1 lfo1; tab-stops: list .5in;"><span style="font-family: "Calibri",sans-serif; font-size: 11.0pt;">Plan for your
future by performing estate planning.</span></li>
</ol>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<br /></div>
<div class="blogger-post-footer">Harrine Freeman, Owner, H.E. Freeman Enterprises
Financial Trainer, Speaker, Author of How to Get Out of Debt: Get an "A" Credit Rating for Free
http://www.hefreemanenterprises.com
Privacy Policy http://www.hefreemanenterprises.com/policy.html</div>Unknownnoreply@blogger.com1tag:blogger.com,1999:blog-32564689.post-56518544883874258722018-04-16T09:30:00.000-04:002018-04-22T22:37:20.851-04:00Ways to Recover From a Natural Disaster<div class="separator" style="clear: both; text-align: center;">
<a href="https://4.bp.blogspot.com/-4VhDdXFb620/Wt1GvnT8aDI/AAAAAAAABYk/HgRK01y6FWEdbEYbc_wLUF7ZZu47nm_7QCLcBGAs/s1600/Natural%2BDisasters.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="900" data-original-width="1600" height="180" src="https://4.bp.blogspot.com/-4VhDdXFb620/Wt1GvnT8aDI/AAAAAAAABYk/HgRK01y6FWEdbEYbc_wLUF7ZZu47nm_7QCLcBGAs/s320/Natural%2BDisasters.jpg" width="320" /></a></div>
<br />
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span lang="EN" style="mso-ansi-language: EN; mso-bidi-font-family: Calibri;">There are many types of natural disasters that occur
during a year such as hurricanes, tornadoes, monsoons, tsunamis, twisters,
earthquakes and more. After the dust has settled the first thing one thinks
about what do I do know.<span style="mso-spacerun: yes;"> </span>The next thing
to consider is their identity.<span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span lang="EN" style="mso-ansi-language: EN; mso-bidi-font-family: Calibri;">When I heard stories about natural disasters I started to
wonder did they have a safe and copies of all of their bills and financial papers.
How will they regain their identity and start their life again?<span style="mso-spacerun: yes;"> </span>What is the first thing they should do? These
are just some of the questions that must be considered when rebuilding after
experiencing a natural disaster.<span style="mso-spacerun: yes;"> </span>Here
are 14 financial tips to help you recover from a natural disaster. </span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; punctuation-wrap: simple; text-autospace: none;">
<b style="mso-bidi-font-weight: normal;"><span style="mso-bidi-font-family: Calibri;">Notify.</span></b><span style="mso-bidi-font-family: Calibri;"><span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; punctuation-wrap: simple; text-autospace: none;">
<span style="mso-bidi-font-family: Calibri;">Contact all of your family and friends and employer and let them know
what happened. Ask them for resources or people that can assist you with food,
clothing and shelter.</span></div>
<div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; punctuation-wrap: simple; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; punctuation-wrap: simple; text-autospace: none;">
<b style="mso-bidi-font-weight: normal;"><span style="mso-bidi-font-family: Calibri;">Insurance.</span></b></div>
<div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; punctuation-wrap: simple; text-autospace: none;">
<span style="mso-bidi-font-family: Calibri;">Contact your insurance company and file a claim. Contact a lawyer to
get legal advice. </span></div>
<div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; punctuation-wrap: simple; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; punctuation-wrap: simple; text-autospace: none;">
<b style="mso-bidi-font-weight: normal;"><span style="mso-bidi-font-family: Calibri;">Mail.</span></b><span style="mso-bidi-font-family: Calibri;"> </span></div>
<div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; punctuation-wrap: simple; text-autospace: none;">
<span style="mso-bidi-font-family: Calibri;">Ask a friend or relative if you can use their address to receive mail
temporarily. <span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; punctuation-wrap: simple; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; punctuation-wrap: simple; text-autospace: none;">
<b style="mso-bidi-font-weight: normal;"><span style="mso-bidi-font-family: Calibri;">Inventory.</span></b><span style="mso-bidi-font-family: Calibri;"> </span></div>
<div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; punctuation-wrap: simple; text-autospace: none;">
<span style="mso-bidi-font-family: Calibri;">Make a list of all your service providers you do business with. Include
the name of the company, mailing address, payment address, phone number, type
of account and website. Call each company and tell them you have been a victim
of a natural disaster. <span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; punctuation-wrap: simple; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; punctuation-wrap: simple; text-autospace: none;">
<b style="mso-bidi-font-weight: normal;"><span lang="EN" style="mso-ansi-language: EN; mso-bidi-font-family: Calibri;">Identification. </span></b><span lang="EN" style="mso-ansi-language: EN; mso-bidi-font-family: Calibri;"><span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; punctuation-wrap: simple; text-autospace: none;">
<span lang="EN" style="mso-ansi-language: EN; mso-bidi-font-family: Calibri;">Contact your local passport, motor vehicle and
social security administration office to get duplicate copies of your driver’s
license, SSN and passport.<span style="mso-spacerun: yes;"> </span>Also contact
your local Office</span><span style="mso-bidi-font-family: Calibri; mso-fareast-font-family: "Times New Roman";"> of Vital Records, Public Health Department or
county recorder’s office to get a duplicate copy of your birth certificate. </span></div>
<div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; punctuation-wrap: simple; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; punctuation-wrap: simple; text-autospace: none;">
<b style="mso-bidi-font-weight: normal;"><span style="mso-bidi-font-family: Calibri;">Financial.</span></b><span style="mso-bidi-font-family: Calibri;"><span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; punctuation-wrap: simple; text-autospace: none;">
<span style="mso-bidi-font-family: Calibri;">Contact all of your financial institutions and ask for duplicate
copies of your financial statements.<span style="mso-spacerun: yes;"> </span>Apply
for a new debit card and pin.</span></div>
<div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; punctuation-wrap: simple; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; punctuation-wrap: simple; text-autospace: none;">
<b style="mso-bidi-font-weight: normal;"><span style="mso-bidi-font-family: Calibri;">Credit.</span></b><span style="mso-bidi-font-family: Calibri;"><span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; punctuation-wrap: simple; text-autospace: none;">
<span style="mso-bidi-font-family: Calibri;">Contact your credit card companies and ask for a new credit card for
each account. Contact the 3 major credit bureaus, Equifax, Experian and
TransUnion and place a credit freeze on your credit reports. </span></div>
<div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; punctuation-wrap: simple; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; punctuation-wrap: simple; text-autospace: none;">
<b style="mso-bidi-font-weight: normal;"><span style="mso-bidi-font-family: Calibri;">Spend Wisely</span></b><span style="mso-bidi-font-family: Calibri;">. </span></div>
<div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; punctuation-wrap: simple; text-autospace: none;">
<span style="mso-bidi-font-family: Calibri;">Replace missing items by shopping at discount or outlet stores, buying
in bulk and buying items on sale.</span></div>
<div class="blogger-post-footer">Harrine Freeman, Owner, H.E. Freeman Enterprises
Financial Trainer, Speaker, Author of How to Get Out of Debt: Get an "A" Credit Rating for Free
http://www.hefreemanenterprises.com
Privacy Policy http://www.hefreemanenterprises.com/policy.html</div>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-32564689.post-72616004141464422362018-04-09T15:30:00.000-04:002018-04-22T22:27:13.975-04:00The Dangers of Payday Loans<div class="separator" style="clear: both; text-align: center;">
<a href="https://4.bp.blogspot.com/-pShqiOxMu40/Wt1EKWcPWMI/AAAAAAAABYA/b6Oy6dALLhgA94R8JtG7zs1lLL6aaahkwCLcBGAs/s1600/Payday%2BLoans.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="242" data-original-width="400" height="193" src="https://4.bp.blogspot.com/-pShqiOxMu40/Wt1EKWcPWMI/AAAAAAAABYA/b6Oy6dALLhgA94R8JtG7zs1lLL6aaahkwCLcBGAs/s320/Payday%2BLoans.jpg" width="320" /></a></div>
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table.MsoNormalTable
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mso-para-margin-left:0in;
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If an unexpected emergency arises that has to be paid immediately and
you don’t have any savings or a credit card many consumers resort to using
payday loans. Payday loans can be obtained for $50 up to $1,000 or higher
depending upon specific requirements. </div>
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<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
To receive a payday loan you are required
to write a post-dated check for the amount you wish to borrow plus any fees for
using the payday loan.<span style="mso-spacerun: yes;"> </span>The money minus
the fee is provided immediately into the consumer’s bank account the next day.
The next time the consumer gets paid the lender accesses their bank account to
process the post-dated check and withdraws the amount owed plus the fee.</div>
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<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
Payday loans are attractive to consumers due to aggressive advertising,
lack of education and knowledge about the consequences of using payday loans.
Payday loans users think they are getting ahead but they are really getting
further behind. If you don’t have the money to pay your bills, you also don’t
have money to repay the payday loan. </div>
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<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
Many consumers choose to use payday loans
because they<span style="mso-fareast-font-family: "Times New Roman";"> have or
had access to credit but are unable to get approval for a loan or credit card
and have little to no savings. Payday loans do not require a credit check or
other forms of verification.</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
Payday loans are structured to keep consumers in debt because they <span style="mso-fareast-font-family: "Times New Roman";">have high fees, short term
due dates, balloon payments, and have access to a borrower’s checking account.
This results in consumers borrowing additional money to pay back payday loans. </span></div>
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<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="mso-fareast-font-family: "Times New Roman";">Some
payday loan lenders offer no-cost loans to new borrowers although they know
that most borrowers will not be able to repay loan and will be charged a
default fee. </span>Payday loans lenders operate as collection agencies and
must adhere to the Fair Debt Practices Collection Act (FDPCA) when collecting
on a debt, unfortunately most do not. </div>
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<br /></div>
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<b style="mso-bidi-font-weight: normal;">The consequences of payday loans
are:</b></div>
<ol start="1" style="margin-top: 0in;" type="1">
<li class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-list: l0 level1 lfo1; tab-stops: list .5in;">If you don’t have the
money in your account on payday you will be charged overdraft or additional
fees.</li>
<li class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-list: l0 level1 lfo1; tab-stops: list .5in;">Banks may cash checks
prior to the post-date on a check. </li>
<li class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-list: l0 level1 lfo1; tab-stops: list .5in;">Payday loans have high
interest rates with a common default rate of 6% if you fail to pay.<span style="mso-spacerun: yes;"> </span></li>
<li class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-list: l0 level1 lfo1; tab-stops: list .5in;">Security and fraud
risks may occur because payday loans companies are not licensed or regulated.</li>
<li class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-list: l0 level1 lfo1; tab-stops: list .5in;">Some payday loan
lenders report to the credit bureaus.</li>
<li class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-list: l0 level1 lfo1; tab-stops: list .5in;">Your payday loan
account may be sold to a collection agency. </li>
<li class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-list: l0 level1 lfo1; tab-stops: list .5in;">If you default on a
payday loan you may be sued by the payday loan lender. </li>
<li class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-list: l0 level1 lfo1; tab-stops: list .5in;">Payment arrangements
are available but are not offered to eligible consumers so payday loan
lenders can make more money.<b><span style="mso-fareast-font-family: "Times New Roman";">
</span></b><span style="mso-fareast-font-family: "Times New Roman";"></span></li>
<li class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-list: l0 level1 lfo1; tab-stops: list .5in;"><span style="mso-fareast-font-family: "Times New Roman";">The default payment plan
for most payday lenders is setup for consumers to pay the finance charge
only which does not reduce the loan principal. </span></li>
<li class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-list: l0 level1 lfo1; tab-stops: list .5in;"><span style="mso-fareast-font-family: "Times New Roman";">Once a payday loan
company has a consumers’ bank account information they can access their
account for repayment at any time without the consumers’ permission.</span></li>
</ol>
<div class="blogger-post-footer">Harrine Freeman, Owner, H.E. Freeman Enterprises
Financial Trainer, Speaker, Author of How to Get Out of Debt: Get an "A" Credit Rating for Free
http://www.hefreemanenterprises.com
Privacy Policy http://www.hefreemanenterprises.com/policy.html</div>Unknownnoreply@blogger.com2tag:blogger.com,1999:blog-32564689.post-7377120600839727862018-04-02T13:00:00.000-04:002018-04-22T22:18:18.599-04:00Is Renting the Right Option for You<div class="separator" style="clear: both; text-align: center;">
<a href="https://2.bp.blogspot.com/-4e1TcvF_opw/Wt1COETJOvI/AAAAAAAABXo/r8BD0-R534oA70HCxjEB7VSYLfgZqBGfACLcBGAs/s1600/Renting.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="682" data-original-width="1024" height="213" src="https://2.bp.blogspot.com/-4e1TcvF_opw/Wt1COETJOvI/AAAAAAAABXo/r8BD0-R534oA70HCxjEB7VSYLfgZqBGfACLcBGAs/s320/Renting.jpg" width="320" /></a></div>
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<br />
<div style="margin-bottom: .0001pt; margin: 0in;">
<span style="font-family: Times, "Times New Roman", serif;"><span style="font-size: 11pt;">Americans
no matter what age or education level believe that buying a home is a good
financial decision and more than two-thirds or 68% believe now is a good time
to buy a home. Fifty-one percent of renters say that owning a home is one of
their highest personal goals. Many believe that housing prices in their neighborhood
are more expensive than there were a year ago.</span></span></div>
<div style="margin-bottom: .0001pt; margin: 0in;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span lang="EN" style="mso-ansi-language: EN;">Several issues prevent
Americans from becoming homeowners such as: bad credit, little to no savings,
student loan debt, other debt, low earnings, illness or experiencing a
financial crisis. </span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span lang="EN" style="mso-ansi-language: EN;">There are advantages to
renting such as: <span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<br /></div>
<ol start="1" style="margin-top: 0in;" type="1">
<li class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-list: l1 level1 lfo2;"><span lang="EN" style="mso-ansi-language: EN;">No costs associated with maintenance </span></li>
<li class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-list: l1 level1 lfo2;"><span lang="EN" style="mso-ansi-language: EN;">Easier to maintain </span></li>
<li class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-list: l1 level1 lfo2;"><span lang="EN" style="mso-ansi-language: EN;">Reduced financial responsibility</span></li>
<li class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-list: l1 level1 lfo2;"><span lang="EN" style="mso-ansi-language: EN;">Increases </span>your credit score</li>
<li class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-list: l1 level1 lfo2;">Proves that your are a responsible spender<span lang="EN" style="mso-ansi-language: EN;"></span></li>
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<span lang="EN" style="mso-ansi-language: EN;">
There are disadvantages to renting such as:</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<br /></div>
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<li class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-list: l2 level1 lfo3;"><span lang="EN" style="mso-ansi-language: EN;">No tax benefits</span></li>
<li class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-list: l2 level1 lfo3;"><span lang="EN" style="mso-ansi-language: EN;">No equity</span></li>
<li class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-list: l2 level1 lfo3;"><span lang="EN" style="mso-ansi-language: EN;">No control over rental increases</span></li>
<li class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-list: l2 level1 lfo3;"><span lang="EN" style="mso-ansi-language: EN;">No control over who owns the building or property</span></li>
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<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span lang="EN" style="mso-ansi-language: EN;"></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span lang="EN" style="mso-ansi-language: EN;">If you are considering
renting or moving to a new rental consider these 10 tips to help make the
process easier. </span></div>
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<br /></div>
<ol start="1" style="margin-top: 0in;" type="1">
<li class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-list: l0 level1 lfo1;"><span style="mso-fareast-font-family: "Times New Roman";">Review.
Review your credit report and credit score before signing a lease. If you
have bad credit you may have to put down a larger security deposit or other
upfront fees.</span></li>
<li class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-list: l0 level1 lfo1;"><span style="mso-fareast-font-family: "Times New Roman";">Energy
Costs. Energy costs are higher when renting a home especially for older,
concrete or brick homes where air escapes easier.</span></li>
<li class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-list: l0 level1 lfo1;"><span style="mso-fareast-font-family: "Times New Roman";">Insure.
You should obtain renter’s insurance to ensure all of your items are
protected. Your premium may be a little higher if renting a home but you
should be able to get a policy for less than $500 a year. Try to purchase
a policy from the same company as your car insurance policy. </span></li>
<li class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-list: l0 level1 lfo1;"><span style="mso-fareast-font-family: "Times New Roman";">Fees.
You may have to pay additional fees if renting a home that is part of a
homeowner’s association such as: </span>parking spaces or storage, snow
removal, garbage collection, and pets.</li>
<li class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-list: l0 level1 lfo1;">Don’t assume. Don’t assume the landlord
will pay for utilities or whenever something is broken. Ensure the details
of who is responsible for what are identified in the lease.</li>
<li class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-list: l0 level1 lfo1;"><span style="mso-fareast-font-family: "Times New Roman";">Ask.
Ask the landlord to provide any verbal agreements in writing.</span></li>
<li class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-list: l0 level1 lfo1;"><span style="mso-fareast-font-family: "Times New Roman";">Privacy.
Ask about privacy rights.</span></li>
<li class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-list: l0 level1 lfo1;"><span style="mso-fareast-font-family: "Times New Roman";">Safety.
Use police department search tools to verify if the neighborhood is safe.</span></li>
<li class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-list: l0 level1 lfo1;"><span style="mso-fareast-font-family: "Times New Roman";">Budget.
Create a housing budget to cover additional expenses such as: security
alarm, utility costs, possible repair costs, additional fees, etc.</span></li>
<li class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-list: l0 level1 lfo1;"><span style="mso-fareast-font-family: "Times New Roman";">Furnish.
Don’t go overboard or furnishings. Look for bargains to furnish your
rental.</span></li>
</ol>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<br /></div>
<div class="blogger-post-footer">Harrine Freeman, Owner, H.E. Freeman Enterprises
Financial Trainer, Speaker, Author of How to Get Out of Debt: Get an "A" Credit Rating for Free
http://www.hefreemanenterprises.com
Privacy Policy http://www.hefreemanenterprises.com/policy.html</div>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-32564689.post-10901743430898521452018-03-26T14:30:00.000-04:002018-04-22T22:14:45.771-04:00A Remedy for Identity Theft<!--[if gte mso 9]><xml>
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<a href="https://4.bp.blogspot.com/-FHpxwoioRrw/Wt1AyV6sZ4I/AAAAAAAABXc/ubAo4hvv6DcFSLY7XRsE7zJExmSHXJb7wCLcBGAs/s1600/Visa%2BPrepaid.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="644" data-original-width="1024" height="201" src="https://4.bp.blogspot.com/-FHpxwoioRrw/Wt1AyV6sZ4I/AAAAAAAABXc/ubAo4hvv6DcFSLY7XRsE7zJExmSHXJb7wCLcBGAs/s320/Visa%2BPrepaid.jpg" width="320" /></a></div>
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<span style="color: black; mso-bidi-font-family: Calibri; mso-bidi-font-weight: bold;">Over 16 million people were victims of identity
theft in 2017 including credit card and debit card holders.<span style="mso-spacerun: yes;"> </span>One way to protect yourself from identity
theft is to purchase a prepaid credit card or prepaid debit card. I am very
careful about 1) where I use my credit card and debit card, 2) online shopping
and 3) general protection of my personal information.<span style="mso-spacerun: yes;"> </span>Unfortunately I still became a victim of identity
theft due to a Netflix scam that charged my debit card $7.99 for a movie I
never purchased.<span style="mso-spacerun: yes;"> </span></span></div>
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<br /></div>
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<span style="color: black; mso-bidi-font-family: Calibri; mso-bidi-font-weight: bold;">I didn’t notice the unauthorized transaction until I
received my bank statement because I hadn’t used the debt card in over 3
months. I immediately had the account closed. This further reinforces my
decision to pay for everything with cash.<span style="mso-spacerun: yes;">
</span>However, some merchants prefer customers pay with a credit card so in
those instance I have to pay with my credit card. There are several benefits of
using a prepaid credit card or debit card.<span style="mso-spacerun: yes;">
</span></span></div>
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<br /></div>
<div class="MsoNormal">
<span style="color: black; mso-bidi-font-family: Calibri; mso-bidi-font-weight: bold;">The benefits of using a prepaid credit card are:</span></div>
<div style="margin-bottom: .0001pt; margin: 0in;">
<br /></div>
<br />
<ol>
<li><span style="font-family: Times, "Times New Roman", serif;"><span style="font-size: 11pt;"><span style="mso-list: Ignore;"><span style="font-feature-settings: normal; font-kerning: auto; font-language-override: normal; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;"></span></span></span><span style="font-size: 11pt;">Load
cash online, from another card, direct deposit, online or at a retail location.</span></span></li>
<li><span style="font-family: Times, "Times New Roman", serif;"><span style="font-size: 11pt;"><span style="mso-list: Ignore;"><span style="font-feature-settings: normal; font-kerning: auto; font-language-override: normal; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;"></span></span></span><span style="font-size: 11pt;">Zero
liability.</span></span></li>
<li><span style="font-family: Times, "Times New Roman", serif;"><span style="font-size: 11pt;"><span style="mso-list: Ignore;"><span style="font-feature-settings: normal; font-kerning: auto; font-language-override: normal; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;"></span></span></span><span style="font-size: 11pt;">Accepted
everywhere.</span></span></li>
<li><span style="font-family: Times, "Times New Roman", serif;"><span style="mso-bidi-font-family: Calibri;">No maintenance fees.</span><span style="font-size: 11pt;"><span style="mso-list: Ignore;"> </span></span></span></li>
<li><span style="font-family: Times, "Times New Roman", serif;"><span style="font-size: 11pt;">Helps
manage your money.</span></span></li>
<li><span style="font-family: Times, "Times New Roman", serif;"><span style="font-size: 11pt;"><span style="mso-list: Ignore;"><span style="font-feature-settings: normal; font-kerning: auto; font-language-override: normal; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;"></span></span></span><span style="font-size: 11pt;">No
interest rates.</span></span></li>
<li><span style="font-family: Times, "Times New Roman", serif;"><span style="font-size: 11pt;"><span style="mso-list: Ignore;"><span style="font-feature-settings: normal; font-kerning: auto; font-language-override: normal; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;"></span></span></span><span style="font-size: 11pt;">Can
be used at ATMs.</span></span></li>
<li><span style="font-family: Times, "Times New Roman", serif;"><span style="font-size: 11pt;"><span style="mso-list: Ignore;"><span style="font-feature-settings: normal; font-kerning: auto; font-language-override: normal; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;"></span></span></span><span style="font-size: 11pt;">Prevents
going into debt.</span></span></li>
<li><span style="font-family: Times, "Times New Roman", serif;"><span style="font-size: 11pt;"><span style="mso-list: Ignore;"><span style="font-feature-settings: normal; font-kerning: auto; font-language-override: normal; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;"></span></span></span><span style="font-size: 11pt;">Can
make purchases online.</span></span></li>
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<br />
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<br /></div>
<div class="MsoNormal">
<span style="color: black; mso-bidi-font-family: Calibri; mso-bidi-font-weight: bold;">The benefits of using a prepaid debit card are:</span></div>
<ol start="1" style="margin-top: 0in;" type="1">
<li class="MsoNormal" style="mso-list: l1 level1 lfo2;"><span style="mso-bidi-font-family: Calibri;">Load cash online, from another card, direct deposit, online or at
a retail location.</span></li>
<li><span style="font-family: "Calibri",sans-serif; font-size: 11.0pt; mso-fareast-font-family: Calibri;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";"></span></span></span><span style="font-family: Times, "Times New Roman", serif;"><span style="font-size: 11pt;">Accepted
everywhere.</span></span></li>
<li><span style="font-family: "Calibri",sans-serif; font-size: 11.0pt; mso-fareast-font-family: Calibri;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";"></span></span></span><span style="font-family: Times, "Times New Roman", serif;"><span style="font-size: 11pt;">Zero
liability.</span></span></li>
<li class="MsoNormal" style="mso-list: l1 level1 lfo2;"><span style="font-family: Times, "Times New Roman", serif;"><span style="mso-bidi-font-family: Calibri;">No maintenance fees.</span></span></li>
<li><span style="font-family: Times, "Times New Roman", serif;"><span style="font-size: 11pt;"><span style="mso-list: Ignore;"><span style="font-feature-settings: normal; font-kerning: auto; font-language-override: normal; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;"></span></span></span><span style="font-size: 11pt;">Helps
manage your money.</span></span></li>
<li class="MsoNormal" style="mso-list: l1 level1 lfo2;"><span style="font-family: Times, "Times New Roman", serif;"><span style="mso-bidi-font-family: Calibri;">Can’t go over the limit.</span></span></li>
<li><span style="font-family: Times, "Times New Roman", serif;"><span style="font-size: 11pt;"><span style="mso-list: Ignore;"><span style="font-feature-settings: normal; font-kerning: auto; font-language-override: normal; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;"></span></span></span><span style="font-size: 11pt;">Can
be used at ATMs.</span></span></li>
<li><span style="font-family: Times, "Times New Roman", serif;"><span style="font-size: 11pt;"><span style="mso-list: Ignore;"><span style="font-feature-settings: normal; font-kerning: auto; font-language-override: normal; font-size-adjust: none; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;"></span></span></span><span style="font-size: 11pt;">Can
make purchases online.</span></span></li>
<li class="MsoNormal" style="mso-list: l1 level1 lfo2;"><span style="font-family: Times, "Times New Roman", serif;"><span style="mso-bidi-font-family: Calibri;">No late fees.</span></span></li>
</ol>
<div class="blogger-post-footer">Harrine Freeman, Owner, H.E. Freeman Enterprises
Financial Trainer, Speaker, Author of How to Get Out of Debt: Get an "A" Credit Rating for Free
http://www.hefreemanenterprises.com
Privacy Policy http://www.hefreemanenterprises.com/policy.html</div>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-32564689.post-77211494047302905932018-03-19T10:33:00.000-04:002018-03-21T10:34:01.693-04:00Are Prepaid Cards A Good Option<!--[if gte mso 9]><xml>
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<span style="mso-bidi-font-family: Calibri; mso-fareast-font-family: "Times New Roman";">There are many advantages to using prepaid
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<span style="mso-bidi-font-family: Calibri; mso-fareast-font-family: "Times New Roman";">Prepaid cards are helpful for those who cannot
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<span style="mso-bidi-font-family: Calibri; mso-fareast-font-family: "Times New Roman";">Over 100,000 consumers who paid for payday
loans online were tricked into paying for prepaid cards instead.<span style="mso-spacerun: yes;"> </span>Consumers signed up for payday loans but were
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<li>May help control spending<span style="mso-bidi-font-family: Calibri; mso-fareast-font-family: "Times New Roman";"> </span></li>
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<li><span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";"></span></span></span><span style="mso-bidi-font-family: Calibri; mso-fareast-font-family: "Times New Roman";">Payment history not reported on your credit
reports</span></li>
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<li class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-list: l1 level1 lfo2;">Some banks may assess overdraft fees even
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<li class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-list: l1 level1 lfo2;">Not regulated by same laws as standard
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<div class="blogger-post-footer">Harrine Freeman, Owner, H.E. Freeman Enterprises
Financial Trainer, Speaker, Author of How to Get Out of Debt: Get an "A" Credit Rating for Free
http://www.hefreemanenterprises.com
Privacy Policy http://www.hefreemanenterprises.com/policy.html</div>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-32564689.post-13324635176086277312018-03-12T10:30:00.000-04:002018-03-14T18:46:59.562-04:009 Fabulous Ways to Locate Your Student Loans<!--[if gte mso 9]><xml>
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Name="List Bullet"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Number"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Bullet 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Bullet 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Bullet 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Bullet 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Number 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Number 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Number 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Number 5"/>
<w:LsdException Locked="false" Priority="10" QFormat="true" Name="Title"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Closing"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Signature"/>
<w:LsdException Locked="false" Priority="1" SemiHidden="true"
UnhideWhenUsed="true" Name="Default Paragraph Font"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text Indent"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Message Header"/>
<w:LsdException Locked="false" Priority="11" QFormat="true" Name="Subtitle"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Salutation"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Date"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text First Indent"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text First Indent 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Note Heading"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text Indent 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text Indent 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Block Text"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Hyperlink"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="FollowedHyperlink"/>
<w:LsdException Locked="false" Priority="22" QFormat="true" Name="Strong"/>
<w:LsdException Locked="false" Priority="20" QFormat="true" Name="Emphasis"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Document Map"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Plain Text"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="E-mail Signature"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Top of Form"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Bottom of Form"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Normal (Web)"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Acronym"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Address"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Cite"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Code"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Definition"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Keyboard"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Preformatted"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Sample"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Typewriter"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Variable"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Normal Table"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="annotation subject"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="No List"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Outline List 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Outline List 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Outline List 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Simple 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Simple 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Simple 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Colorful 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Colorful 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Colorful 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 6"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 7"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 8"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 6"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 7"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 8"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table 3D effects 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table 3D effects 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table 3D effects 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Contemporary"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Elegant"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Professional"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Subtle 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Subtle 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Web 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Web 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Web 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Balloon Text"/>
<w:LsdException Locked="false" Priority="39" Name="Table Grid"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Theme"/>
<w:LsdException Locked="false" SemiHidden="true" Name="Placeholder Text"/>
<w:LsdException Locked="false" Priority="1" QFormat="true" Name="No Spacing"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading"/>
<w:LsdException Locked="false" Priority="61" Name="Light List"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 1"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 1"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 1"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 1"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 1"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 1"/>
<w:LsdException Locked="false" SemiHidden="true" Name="Revision"/>
<w:LsdException Locked="false" Priority="34" QFormat="true"
Name="List Paragraph"/>
<w:LsdException Locked="false" Priority="29" QFormat="true" Name="Quote"/>
<w:LsdException Locked="false" Priority="30" QFormat="true"
Name="Intense Quote"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 1"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 1"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 1"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 1"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 1"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 1"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 1"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 1"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 2"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 2"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 2"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 2"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 2"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 2"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 2"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 2"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 2"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 2"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 2"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 2"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 2"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 2"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 3"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 3"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 3"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 3"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 3"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 3"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 3"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 3"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 3"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 3"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 3"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 3"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 3"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 3"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 4"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 4"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 4"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 4"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 4"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 4"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 4"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 4"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 4"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 4"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 4"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 4"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 4"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 4"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 5"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 5"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 5"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 5"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 5"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 5"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 5"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 5"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 5"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 5"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 5"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 5"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 5"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 5"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 6"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 6"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 6"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 6"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 6"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 6"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 6"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 6"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 6"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 6"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 6"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 6"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 6"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 6"/>
<w:LsdException Locked="false" Priority="19" QFormat="true"
Name="Subtle Emphasis"/>
<w:LsdException Locked="false" Priority="21" QFormat="true"
Name="Intense Emphasis"/>
<w:LsdException Locked="false" Priority="31" QFormat="true"
Name="Subtle Reference"/>
<w:LsdException Locked="false" Priority="32" QFormat="true"
Name="Intense Reference"/>
<w:LsdException Locked="false" Priority="33" QFormat="true" Name="Book Title"/>
<w:LsdException Locked="false" Priority="37" SemiHidden="true"
UnhideWhenUsed="true" Name="Bibliography"/>
<w:LsdException Locked="false" Priority="39" SemiHidden="true"
UnhideWhenUsed="true" QFormat="true" Name="TOC Heading"/>
<w:LsdException Locked="false" Priority="41" Name="Plain Table 1"/>
<w:LsdException Locked="false" Priority="42" Name="Plain Table 2"/>
<w:LsdException Locked="false" Priority="43" Name="Plain Table 3"/>
<w:LsdException Locked="false" Priority="44" Name="Plain Table 4"/>
<w:LsdException Locked="false" Priority="45" Name="Plain Table 5"/>
<w:LsdException Locked="false" Priority="40" Name="Grid Table Light"/>
<w:LsdException Locked="false" Priority="46" Name="Grid Table 1 Light"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark"/>
<w:LsdException Locked="false" Priority="51" Name="Grid Table 6 Colorful"/>
<w:LsdException Locked="false" Priority="52" Name="Grid Table 7 Colorful"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 1"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 1"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 1"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 1"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 1"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 1"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 1"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 2"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 2"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 2"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 2"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 2"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 2"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 2"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 3"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 3"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 3"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 3"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 3"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 3"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 3"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 4"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 4"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 4"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 4"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 4"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 4"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 4"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 5"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 5"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 5"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 5"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 5"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 5"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 5"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 6"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 6"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 6"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 6"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 6"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 6"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 6"/>
<w:LsdException Locked="false" Priority="46" Name="List Table 1 Light"/>
<w:LsdException Locked="false" Priority="47" Name="List Table 2"/>
<w:LsdException Locked="false" Priority="48" Name="List Table 3"/>
<w:LsdException Locked="false" Priority="49" Name="List Table 4"/>
<w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark"/>
<w:LsdException Locked="false" Priority="51" Name="List Table 6 Colorful"/>
<w:LsdException Locked="false" Priority="52" Name="List Table 7 Colorful"/>
<w:LsdException Locked="false" Priority="46"
Name="List Table 1 Light Accent 1"/>
<w:LsdException Locked="false" Priority="47" Name="List Table 2 Accent 1"/>
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<img alt="How to Use the NSLDS to Find Your Student Loans | Student ..." class="detail__media__img-highres js-detail-img js-detail-img-high" height="263" src="https://images.duckduckgo.com/iu/?u=https%3A%2F%2Fstudentloanhero.com%2Fwp-content%2Fuploads%2FNSLDSimage2.png&f=1" style="display: block; height: 380px; width: 577.065px;" width="400" /> </div>
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Americans owe over $1.48 trillion in student loan
debt, spread out among about 44 million borrowers. Average monthly student
loan payment (for borrower aged 20 to 30 years): $351. Owing student loan debt
can reduce opportunities available to apply for credit for loans, autos, homes
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Some student loan borrowers have to delay large purchases
such as an auto or home due to large outstanding student loan balances. Student
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contribute to a savings account and plan for retirement. </div>
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Student loan debt may prevent you from getting advanced
degrees, moving out on your own, lower your credit score, lower your net worth,
and be at risk for a tax refund garnishment. The first step to paying off student
loan debt is locating your student loans. Here are x easy ways to locate your
student loans.</div>
<br />
<b>LOCATE STUDENT LOANS</b><br />
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<br />
<ol>
<li>Search the National Student Loan Data System (NSLDS) nslds.gov
for federal student loans. </li>
<li>Contact your college’s financial aid office to get the
lender’s contact information. </li>
<li>Order a copy or your credit report. Federal and private
loans are listed on the major credit reports: Equifax, Experian and TransUnion.
</li>
<li>Search Google for the lender’s contact information.</li>
<li>Go to <a href="http://www.ed.gov/">www.ed.gov</a> and click
on Student Loans then click on the Contact Your Loan Servicer link to view a
list of federal student loan lenders. </li>
<li>If your Federal Perkins Loan has been assigned to the
Department of Education, contact the Federal Perkins Loan Servicer at
866-313-3797.</li>
<li>If you have private student loans, contact the lender to
learn about repayment options.</li>
<li>Call the Department of Education’s Federal Student Aid Information
Center at 800-433-3243. For defaulted federal student loans, call the
Department of Education’s Default Resolution Group at 800-621-3115.</li>
<li>Contact the Department of Education student loan ombudsman
office at 877-557-2575.</li>
</ol>
<div class="blogger-post-footer">Harrine Freeman, Owner, H.E. Freeman Enterprises
Financial Trainer, Speaker, Author of How to Get Out of Debt: Get an "A" Credit Rating for Free
http://www.hefreemanenterprises.com
Privacy Policy http://www.hefreemanenterprises.com/policy.html</div>Unknownnoreply@blogger.com2tag:blogger.com,1999:blog-32564689.post-77817191080259977602018-03-05T16:31:00.000-05:002018-03-14T18:10:46.116-04:00Cheap Versus Frugal<!--[if gte mso 9]><xml>
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Name="footnote reference"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="annotation reference"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="line number"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="page number"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="endnote reference"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="endnote text"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="table of authorities"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="macro"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="toa heading"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Bullet"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Number"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Bullet 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Bullet 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Bullet 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Bullet 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Number 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Number 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Number 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Number 5"/>
<w:LsdException Locked="false" Priority="10" QFormat="true" Name="Title"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Closing"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Signature"/>
<w:LsdException Locked="false" Priority="1" SemiHidden="true"
UnhideWhenUsed="true" Name="Default Paragraph Font"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text Indent"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Message Header"/>
<w:LsdException Locked="false" Priority="11" QFormat="true" Name="Subtitle"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Salutation"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Date"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text First Indent"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text First Indent 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Note Heading"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text Indent 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text Indent 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Block Text"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Hyperlink"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="FollowedHyperlink"/>
<w:LsdException Locked="false" Priority="22" QFormat="true" Name="Strong"/>
<w:LsdException Locked="false" Priority="20" QFormat="true" Name="Emphasis"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Document Map"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Plain Text"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="E-mail Signature"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Top of Form"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Bottom of Form"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Normal (Web)"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Acronym"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Address"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Cite"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Code"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Definition"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Keyboard"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Preformatted"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Sample"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Typewriter"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Variable"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Normal Table"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="annotation subject"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="No List"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Outline List 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Outline List 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Outline List 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Simple 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Simple 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Simple 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Colorful 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Colorful 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Colorful 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 6"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 7"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 8"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 6"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 7"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 8"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table 3D effects 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table 3D effects 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table 3D effects 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Contemporary"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Elegant"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Professional"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Subtle 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Subtle 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Web 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Web 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Web 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Balloon Text"/>
<w:LsdException Locked="false" Priority="39" Name="Table Grid"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Theme"/>
<w:LsdException Locked="false" SemiHidden="true" Name="Placeholder Text"/>
<w:LsdException Locked="false" Priority="1" QFormat="true" Name="No Spacing"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading"/>
<w:LsdException Locked="false" Priority="61" Name="Light List"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 1"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 1"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 1"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 1"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 1"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 1"/>
<w:LsdException Locked="false" SemiHidden="true" Name="Revision"/>
<w:LsdException Locked="false" Priority="34" QFormat="true"
Name="List Paragraph"/>
<w:LsdException Locked="false" Priority="29" QFormat="true" Name="Quote"/>
<w:LsdException Locked="false" Priority="30" QFormat="true"
Name="Intense Quote"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 1"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 1"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 1"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 1"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 1"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 1"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 1"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 1"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 2"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 2"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 2"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 2"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 2"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 2"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 2"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 2"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 2"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 2"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 2"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 2"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 2"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 2"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 3"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 3"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 3"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 3"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 3"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 3"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 3"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 3"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 3"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 3"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 3"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 3"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 3"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 3"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 4"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 4"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 4"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 4"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 4"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 4"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 4"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 4"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 4"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 4"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 4"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 4"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 4"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 4"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 5"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 5"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 5"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 5"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 5"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 5"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 5"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 5"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 5"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 5"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 5"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 5"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 5"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 5"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 6"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 6"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 6"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 6"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 6"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 6"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 6"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 6"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 6"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 6"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 6"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 6"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 6"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 6"/>
<w:LsdException Locked="false" Priority="19" QFormat="true"
Name="Subtle Emphasis"/>
<w:LsdException Locked="false" Priority="21" QFormat="true"
Name="Intense Emphasis"/>
<w:LsdException Locked="false" Priority="31" QFormat="true"
Name="Subtle Reference"/>
<w:LsdException Locked="false" Priority="32" QFormat="true"
Name="Intense Reference"/>
<w:LsdException Locked="false" Priority="33" QFormat="true" Name="Book Title"/>
<w:LsdException Locked="false" Priority="37" SemiHidden="true"
UnhideWhenUsed="true" Name="Bibliography"/>
<w:LsdException Locked="false" Priority="39" SemiHidden="true"
UnhideWhenUsed="true" QFormat="true" Name="TOC Heading"/>
<w:LsdException Locked="false" Priority="41" Name="Plain Table 1"/>
<w:LsdException Locked="false" Priority="42" Name="Plain Table 2"/>
<w:LsdException Locked="false" Priority="43" Name="Plain Table 3"/>
<w:LsdException Locked="false" Priority="44" Name="Plain Table 4"/>
<w:LsdException Locked="false" Priority="45" Name="Plain Table 5"/>
<w:LsdException Locked="false" Priority="40" Name="Grid Table Light"/>
<w:LsdException Locked="false" Priority="46" Name="Grid Table 1 Light"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark"/>
<w:LsdException Locked="false" Priority="51" Name="Grid Table 6 Colorful"/>
<w:LsdException Locked="false" Priority="52" Name="Grid Table 7 Colorful"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 1"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 1"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 1"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 1"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 1"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 1"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 1"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 2"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 2"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 2"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 2"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 2"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 2"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 2"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 3"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 3"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 3"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 3"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 3"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 3"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 3"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 4"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 4"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 4"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 4"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 4"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 4"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 4"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 5"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 5"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 5"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 5"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 5"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 5"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 5"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 6"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 6"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 6"/>
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table.MsoNormalTable
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<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://4.bp.blogspot.com/-8G7t-qRg1wc/WqmGdZN7zRI/AAAAAAAABWc/xwNrWzda34Up9hCZgbqgdElsh75dYAPIwCLcBGAs/s1600/Cheap%2Bversus%2Bfrugal.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="600" data-original-width="600" height="320" src="https://4.bp.blogspot.com/-8G7t-qRg1wc/WqmGdZN7zRI/AAAAAAAABWc/xwNrWzda34Up9hCZgbqgdElsh75dYAPIwCLcBGAs/s320/Cheap%2Bversus%2Bfrugal.jpg" width="320" /></a></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: "times new roman" , serif; font-size: 12.0pt; line-height: 107%;">There is a
different. Cheap is buying a product or service of low quality or buying the
lowest price products or services no matter the quality or standards. Cheap is
also being reluctant to spend money or give money. Frugal is efficient planning
in the use of money to purchase a product or service. Frugal includes
comparison shopping to find the best deal. </span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: "times new roman" , serif; font-size: 12.0pt; line-height: 107%;">Cheap people
strive to get items for free or feel they deserve a good deal. Frugal people
want a good deal but work to get it. Cheap people focus on short-term or
immediate savings. Frugal people focus on long-term savings. </span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: "times new roman" , serif; font-size: 12.0pt; line-height: 107%;">The line is
drawn in terms of quality and when saving money is at the expense of others. Cheap
people base decisions on price. Frugal people base decisions on quality. <br />
<br />
People take offense to being called cheap because it highlights a person’s
flaws – lack of patience to comparison shop, inability to analyze prices,
products and services. Being cheap shows that a person is willing to sacrifice
quality and value to purchase a product or service. </span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: "times new roman" , serif; font-size: 12.0pt; line-height: 107%;">Cheap people have a fear or
spending money or losing money so they purchase the lowest cost items in hopes
that they will be able to keep more of their money. However, they fail to
realize that they end up spending more money replacing the cheap items
purchased. </span></div>
<div class="MsoNormal">
<br /></div>
<div class="qtextpara">
In addition, cheap people are aware that they are cheap but
don’t want anyone to point it out. They know they have a problem but don’t want
to change, don’t know how to change or are unable to change. </div>
<div class="qtextpara">
<br /></div>
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "times new roman" , serif; font-size: 12.0pt; line-height: 107%;">Cheap versus Frugal Scenarios</span></b></div>
<table border="1" cellpadding="0" cellspacing="0" class="MsoTableGrid" style="border-collapse: collapse; border: none; mso-border-alt: solid windowtext .5pt; mso-padding-alt: 0in 5.4pt 0in 5.4pt; mso-yfti-tbllook: 1184;">
<tbody>
<tr style="mso-yfti-firstrow: yes; mso-yfti-irow: 0;">
<td style="border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 155.8pt;" valign="top" width="153"><div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: center;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "times new roman" , serif; font-size: 12.0pt;">Scenario</span></b></div>
</td>
<td style="border-left: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 155.85pt;" valign="top" width="158"><div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: center;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "times new roman" , serif; font-size: 12.0pt;">Cheap</span></b></div>
</td>
<td style="border-left: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 155.85pt;" valign="top" width="161"><div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: center;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "times new roman" , serif; font-size: 12.0pt;">Frugal</span></b></div>
</td>
</tr>
<tr style="mso-yfti-irow: 1;">
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 155.8pt;" valign="top" width="153"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "times new roman" , serif; font-size: 12.0pt;">Eating out</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 155.85pt;" valign="top" width="158"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "times new roman" , serif; font-size: 12.0pt;">Order a soda and eat the free
bread</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 155.85pt;" valign="top" width="161"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "times new roman" , serif; font-size: 12.0pt;">Order the kid’s meal or appetizers
instead of an entrée</span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 2;">
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 155.8pt;" valign="top" width="153"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "times new roman" , serif; font-size: 12.0pt;">Paper products</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 155.85pt;" valign="top" width="158"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "times new roman" , serif; font-size: 12.0pt;">Take extra napkins from a
fast-food restaurant to use at home</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 155.85pt;" valign="top" width="161"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "times new roman" , serif; font-size: 12.0pt;">Use the left-over napkins from a
fast-food restaurant to use at home or in your car</span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 3;">
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 155.8pt;" valign="top" width="153"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "times new roman" , serif; font-size: 12.0pt;">Tipping at a Restaurant</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 155.85pt;" valign="top" width="158"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "times new roman" , serif; font-size: 12.0pt;">If you don’t give a tip or give
less than 10%</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 155.85pt;" valign="top" width="161"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "times new roman" , serif; font-size: 12.0pt;">If you tip at least 15%</span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 4;">
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 155.8pt;" valign="top" width="153"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "times new roman" , serif; font-size: 12.0pt;">Eating Out</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 155.85pt;" valign="top" width="158"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "times new roman" , serif; font-size: 12.0pt;">If you share a meal with your
child or spouse</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 155.85pt;" valign="top" width="161"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "times new roman" , serif; font-size: 12.0pt;">If you use a Living Social or
Groupon coupon</span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 5;">
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 155.8pt;" valign="top" width="153"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "times new roman" , serif; font-size: 12.0pt;">Clothing</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 155.85pt;" valign="top" width="158"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "times new roman" , serif; font-size: 12.0pt;">You purchase an item, wear it once
and then return it</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 155.85pt;" valign="top" width="161"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "times new roman" , serif; font-size: 12.0pt;">You purchase an item on sale or use
a coupon</span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 6;">
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 155.8pt;" valign="top" width="153"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "times new roman" , serif; font-size: 12.0pt;">Coffee</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 155.85pt;" valign="top" width="158"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "times new roman" , serif; font-size: 12.0pt;">Spill a coffee packet on the floor
and still use it to make a cup of coffee </span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 155.85pt;" valign="top" width="161"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "times new roman" , serif; font-size: 12.0pt;">Purchase Starbucks coffee from
Amazon.com</span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 7; mso-yfti-lastrow: yes;">
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 155.8pt;" valign="top" width="153"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "times new roman" , serif; font-size: 12.0pt;">Groceries</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 155.85pt;" valign="top" width="158"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "times new roman" , serif; font-size: 12.0pt;">Rummaging through dumpsters and
trash cans to get food, i.e. Freeganism</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 155.85pt;" valign="top" width="161"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "times new roman" , serif; font-size: 12.0pt;">Shopping at discount stores such as
Costco or Price Club</span></div>
</td>
</tr>
</tbody></table>
<div class="MsoNormal">
<br /></div>
<div class="blogger-post-footer">Harrine Freeman, Owner, H.E. Freeman Enterprises
Financial Trainer, Speaker, Author of How to Get Out of Debt: Get an "A" Credit Rating for Free
http://www.hefreemanenterprises.com
Privacy Policy http://www.hefreemanenterprises.com/policy.html</div>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-32564689.post-45298374940650224922018-02-26T21:20:00.000-05:002018-02-26T21:20:07.121-05:0015 Cash Only Jobs To Help You Get Ahead<div class="separator" style="clear: both; text-align: center;">
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<span style="mso-bidi-font-family: Calibri; mso-fareast-font-family: "Times New Roman";">There are hundreds of cash only
jobs, however you have to find the one the suits your needs and your schedule. </span><span style="mso-bidi-font-family: Calibri;">If you have computer skills or a trade it
is easier to find a job.<span style="mso-spacerun: yes;"> </span>Find out what
your strengths are, what things you like to do or are good at doing. Ask family
and friends for their thoughts on what are you are skilled at doing. </span></div>
<div class="MsoNormal" style="line-height: normal;">
<br /></div>
<div class="MsoNormal" style="line-height: normal;">
<span style="mso-bidi-font-family: Calibri;">No matter what the economy you should always have multiple streams of
income. If you work a full-time job you should have at least 1 part-time job or
1 additional source of income. Extra income also helps to pay down debt, plan
for retirement and provide cash for unexpected emergencies or events. </span></div>
<div class="MsoNormal" style="line-height: normal;">
<br /></div>
<div class="MsoNormal" style="line-height: normal;">
<span style="mso-bidi-font-family: Calibri;">Cash only jobs are also great if you are unemployed or underemployed.
Cash only jobs can also help to achieve your short and long-term financial
goals such as planning for retirement, home repairs or paying for college. </span></div>
<div class="MsoNormal" style="line-height: normal;">
<br /></div>
<div class="MsoNormal" style="line-height: normal;">
If you are having trouble finding
a cash only job your best asset is being creative. Creativity is what has fueled
some of the best ideas in the economy and can help you earn cash. </div>
<div class="MsoNormal" style="line-height: normal;">
<br /></div>
<div class="MsoNormal" style="line-height: normal;">
The key to working cash only jobs
is to keep track of your earnings and report them to the IRS even though you
don’t receive a W-2 or other IRS form. <em><span style="font-family: "Calibri",sans-serif; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: minor-bidi; mso-hansi-theme-font: minor-latin;">The IRS states that all taxpayers
even if you are unemployed must report all income from any source and state
unless it is exempt under the U.S. tax code. </span></em>Remember to report
cash income on your IRS Form 1040 Schedule C. <span style="mso-spacerun: yes;"> </span>When getting paid in cash you will have to pay
withholding taxes and payroll taxes as well as FICA. Check with an accountant
or CPA to get more information on how to report your cash only earnings. Here are 15 cash only jobs you
can get hired for. <span style="mso-spacerun: yes;"> </span></div>
<br />
<ol>
<li><span style="color: black; mso-bidi-font-family: Calibri;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";"></span></span></span><span style="color: black; mso-fareast-font-family: "Times New Roman";">Babysitter/nanny</span></li>
<li><span style="color: black; mso-bidi-font-family: Calibri;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";"></span></span></span><span style="color: black; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman";">Car detailing</span><span style="color: black; mso-fareast-font-family: "Times New Roman";"></span></li>
<li><span style="color: black; mso-bidi-font-family: Calibri;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";"></span></span></span><span style="color: black; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman";">Carpet cleaning</span><span style="color: black; mso-fareast-font-family: "Times New Roman";"></span></li>
<li><span style="color: black; mso-bidi-font-family: Calibri;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";"></span></span></span><span style="color: black; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman";">Computer repair</span><span style="color: black; mso-fareast-font-family: "Times New Roman";"></span></li>
<li><span style="color: black; mso-bidi-font-family: Calibri;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";"></span></span></span><span style="color: black; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman";">Dog walker</span><span style="color: black; mso-fareast-font-family: "Times New Roman";"></span></li>
<li><span style="color: black; mso-bidi-font-family: Calibri;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";"></span></span></span><span style="color: black; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman";">Handyman</span><span style="color: black; mso-fareast-font-family: "Times New Roman";"></span></li>
<li><span style="color: black; mso-bidi-font-family: Calibri;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";"></span></span></span><span style="color: black; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman";">House painter</span><span style="color: black; mso-fareast-font-family: "Times New Roman";"></span></li>
<li><span style="color: black; mso-bidi-font-family: Calibri;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";"></span></span></span><span style="color: black; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman";">Lawn care </span><span style="color: black; mso-fareast-font-family: "Times New Roman";"></span></li>
<li><span style="color: black; mso-bidi-font-family: Calibri;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";"></span></span></span><span style="color: black; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman";">Maid</span><span style="color: black; mso-fareast-font-family: "Times New Roman";"></span></li>
<li><span style="color: black; mso-bidi-font-family: Calibri;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";"></span></span></span><span style="color: black; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman";">Mover</span><span style="color: black; mso-fareast-font-family: "Times New Roman";"></span></li>
<li><span style="color: black; mso-bidi-font-family: Calibri;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";"></span></span></span><span style="color: black; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman";">Painter</span><span style="color: black; mso-fareast-font-family: "Times New Roman";"></span></li>
<li><span style="color: black; mso-bidi-font-family: Calibri;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";"></span></span></span><span style="color: black; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman";">Personal assistant</span><span style="color: black; mso-fareast-font-family: "Times New Roman";"></span></li>
<li><span style="color: black; mso-bidi-font-family: Calibri;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";"></span></span></span><span style="color: black; mso-fareast-font-family: "Times New Roman";">Mystery shopper</span></li>
<li><span style="color: black; mso-bidi-font-family: Calibri;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";"></span></span></span><span style="color: black; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman";">Tutoring</span><span style="color: black; mso-fareast-font-family: "Times New Roman";"></span></li>
<li><span style="color: black; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman";">Online surveys</span><span style="color: black; mso-fareast-font-family: "Times New Roman";"></span></li>
</ol>
<br />
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<br /></div>
<div class="blogger-post-footer">Harrine Freeman, Owner, H.E. Freeman Enterprises
Financial Trainer, Speaker, Author of How to Get Out of Debt: Get an "A" Credit Rating for Free
http://www.hefreemanenterprises.com
Privacy Policy http://www.hefreemanenterprises.com/policy.html</div>Unknownnoreply@blogger.com2tag:blogger.com,1999:blog-32564689.post-16723026055414315272018-02-19T20:15:00.000-05:002018-02-19T20:15:04.842-05:00Great Ways to Save Money on Auto Insurance<!--[if gte mso 9]><xml>
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<w:LsdException Locked="false" Priority="39" SemiHidden="true"
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<w:LsdException Locked="false" Priority="39" SemiHidden="true"
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<w:LsdException Locked="false" Priority="39" SemiHidden="true"
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<w:LsdException Locked="false" Priority="39" SemiHidden="true"
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<w:LsdException Locked="false" Priority="39" SemiHidden="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" Priority="62" Name="Light Grid"/>
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<w:LsdException Locked="false" Priority="31" QFormat="true"
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<w:LsdException Locked="false" Priority="32" QFormat="true"
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<w:LsdException Locked="false" Priority="33" QFormat="true" Name="Book Title"/>
<w:LsdException Locked="false" Priority="37" SemiHidden="true"
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<w:LsdException Locked="false" Priority="39" SemiHidden="true"
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<w:LsdException Locked="false" Priority="41" Name="Plain Table 1"/>
<w:LsdException Locked="false" Priority="42" Name="Plain Table 2"/>
<w:LsdException Locked="false" Priority="43" Name="Plain Table 3"/>
<w:LsdException Locked="false" Priority="44" Name="Plain Table 4"/>
<w:LsdException Locked="false" Priority="45" Name="Plain Table 5"/>
<w:LsdException Locked="false" Priority="40" Name="Grid Table Light"/>
<w:LsdException Locked="false" Priority="46" Name="Grid Table 1 Light"/>
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<w:LsdException Locked="false" Priority="48" Name="Grid Table 3"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark"/>
<w:LsdException Locked="false" Priority="51" Name="Grid Table 6 Colorful"/>
<w:LsdException Locked="false" Priority="52" Name="Grid Table 7 Colorful"/>
<w:LsdException Locked="false" Priority="46"
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<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 1"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 1"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 1"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 1"/>
<w:LsdException Locked="false" Priority="51"
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<w:LsdException Locked="false" Priority="52"
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<w:LsdException Locked="false" Priority="46"
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<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 2"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 2"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 2"/>
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<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://3.bp.blogspot.com/-DEM7GCbQgCA/Wot2cpnqlwI/AAAAAAAABVk/dX4Ttk6k1c862gQoHs5wOraGEuvYWebXgCLcBGAs/s1600/Save%2Bon%2BCar%2BInsurance5.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="720" data-original-width="1280" height="180" src="https://3.bp.blogspot.com/-DEM7GCbQgCA/Wot2cpnqlwI/AAAAAAAABVk/dX4Ttk6k1c862gQoHs5wOraGEuvYWebXgCLcBGAs/s320/Save%2Bon%2BCar%2BInsurance5.jpg" width="320" /></a></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="line-height: 107%; mso-bidi-font-family: Calibri; mso-bidi-font-size: 10.0pt; mso-bidi-theme-font: minor-latin;">If you drive an
auto, truck or motorcycle you are required by law to purchase auto insurance. However,
auto insurance can be expensive. You can save money on auto insurance by
switching to another insurance company. </span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="line-height: 107%; mso-bidi-font-family: Calibri; mso-bidi-font-size: 10.0pt; mso-bidi-theme-font: minor-latin;">Avoid switching companies based solely
on price. You must consider other factors such as customer service, reputation,
claim processing time, deductibles, and claim guidelines. Learn more at<a href="http://amzn.to/2BARouh" target="_blank"> http://amzn.to/2BARouh</a>. </span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="line-height: 107%; mso-bidi-font-family: Calibri; mso-bidi-font-size: 10.0pt; mso-bidi-theme-font: minor-latin;">You can switch
insurance companies by cancelling a policy or by not renewing your existing
policy. Ensure that there are no gaps in your insurance coverage. </span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="line-height: 107%; mso-bidi-font-family: Calibri; mso-bidi-font-size: 10.0pt; mso-bidi-theme-font: minor-latin;">Make sure
your new policy starts prior to the end date of your old policy but no later
than the end date of your old policy. If you don’t want
to switch auto insurance company you can follow these simple tips to save money
with your existing auto insurance company. </span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<strong><b style="mso-bidi-font-weight: normal;"><span style="font-family: "Calibri",sans-serif; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 10.0pt; mso-bidi-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;">SKIP
EXTRAS</span></b></strong><b style="mso-bidi-font-weight: normal;"><span style="mso-bidi-font-family: Calibri; mso-bidi-font-size: 10.0pt; mso-bidi-theme-font: minor-latin;"></span></b></div>
<ol>
<li><span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Calibri; mso-bidi-font-size: 10.0pt; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";"></span></span></span><span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Calibri; mso-bidi-font-size: 10.0pt; mso-bidi-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">Remove roadside
assistance if you currently have it with another company</span></li>
<li><span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Calibri; mso-bidi-font-size: 10.0pt; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";"></span></span></span><span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Calibri; mso-bidi-font-size: 10.0pt; mso-bidi-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">Skip optional
features and only buy what you need</span></li>
<li><span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Calibri; mso-bidi-font-size: 10.0pt; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";"></span></span></span><span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Calibri; mso-bidi-font-size: 10.0pt; mso-bidi-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">Get a free yearly
assessment to ensure you have the right amount of coverage</span><b style="mso-bidi-font-weight: normal;"><span style="mso-bidi-font-family: Calibri; mso-bidi-font-size: 10.0pt; mso-bidi-theme-font: minor-latin;"> </span></b></li>
</ol>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;"><span style="mso-bidi-font-family: Calibri; mso-bidi-font-size: 10.0pt; mso-bidi-theme-font: minor-latin; text-transform: uppercase;">Consider Car Make and Model</span></b></div>
<ol>
<li><span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Calibri; mso-bidi-font-size: 10.0pt; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";"></span></span></span><span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Calibri; mso-bidi-font-size: 10.0pt; mso-bidi-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">Buy cars that are
fuel-efficient</span></li>
<li><span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Calibri; mso-bidi-font-size: 10.0pt; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";"></span></span></span><span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Calibri; mso-bidi-font-size: 10.0pt; mso-bidi-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">Drive a car with safety
features </span></li>
<li><span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Calibri; mso-bidi-font-size: 10.0pt; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";"></span></span></span><span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Calibri; mso-bidi-font-size: 10.0pt; mso-bidi-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">Buy cars that are
less expensive to insure</span><b style="mso-bidi-font-weight: normal;"><span style="mso-bidi-font-family: Calibri; mso-bidi-font-size: 10.0pt; mso-bidi-theme-font: minor-latin;"> </span></b></li>
</ol>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;"><span style="mso-bidi-font-family: Calibri; mso-bidi-font-size: 10.0pt; mso-bidi-theme-font: minor-latin; text-transform: uppercase;">Comparison Shop</span></b></div>
<ol>
<li><span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Calibri; mso-bidi-font-size: 10.0pt; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";"></span></span></span><span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Calibri; mso-bidi-font-size: 10.0pt; mso-bidi-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">Select a
reputable company that has good recommendations with Motor Trends</span></li>
<li><span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Calibri; mso-bidi-font-size: 10.0pt; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";"></span></span></span><span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Calibri; mso-bidi-font-size: 10.0pt; mso-bidi-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">Ask about
competitor price matching</span></li>
<li><span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Calibri; mso-bidi-font-size: 10.0pt; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";"></span></span></span><span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Calibri; mso-bidi-font-size: 10.0pt; mso-bidi-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">Not all insurance
companies are the same – some cater to high risk drivers, some cater to
low-risk drivers</span><span style="mso-bidi-font-family: Calibri; mso-bidi-font-size: 10.0pt; mso-bidi-theme-font: minor-latin;"> </span></li>
</ol>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;"><span style="mso-bidi-font-family: Calibri; mso-bidi-font-size: 10.0pt; mso-bidi-theme-font: minor-latin; text-transform: uppercase;">Ask About Perks</span></b></div>
<ol>
<li><span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Calibri; mso-bidi-font-size: 10.0pt; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";"></span></span></span><span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Calibri; mso-bidi-font-size: 10.0pt; mso-bidi-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">Ask about group
plans</span></li>
<li><span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Calibri; mso-bidi-font-size: 10.0pt; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";"></span></span></span><span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Calibri; mso-bidi-font-size: 10.0pt; mso-bidi-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">Mention that you
work in a low risk industry </span></li>
<li><span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Calibri; mso-bidi-font-size: 10.0pt; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";"></span></span></span><span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Calibri; mso-bidi-font-size: 10.0pt; mso-bidi-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">Get usage based
insurance (UBI), install a small device in your car that transmits data to the
insurance company</span></li>
<li><span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Calibri; mso-bidi-font-size: 10.0pt; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";"></span></span></span><span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Calibri; mso-bidi-font-size: 10.0pt; mso-bidi-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">Ask about
discounts</span><b style="mso-bidi-font-weight: normal;"><span style="mso-bidi-font-family: Calibri; mso-bidi-font-size: 10.0pt; mso-bidi-theme-font: minor-latin;"> </span></b></li>
</ol>
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<b style="mso-bidi-font-weight: normal;"><span style="mso-bidi-font-family: Calibri; mso-bidi-font-size: 10.0pt; mso-bidi-theme-font: minor-latin; text-transform: uppercase;">Ask About Money Savings Tips</span></b></div>
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<li><span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Calibri; mso-bidi-font-size: 10.0pt; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";"></span></span></span><span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Calibri; mso-bidi-font-size: 10.0pt; mso-bidi-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">Purchase minimum
allowable medical and insurance coverage in your state</span></li>
<li><span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Calibri; mso-bidi-font-size: 10.0pt; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";"></span></span></span><span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Calibri; mso-bidi-font-size: 10.0pt; mso-bidi-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">Use discounts
from other providers or partners to get a lower premium</span></li>
<li><span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Calibri; mso-bidi-font-size: 10.0pt; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";"></span></span></span><span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Calibri; mso-bidi-font-size: 10.0pt; mso-bidi-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">Increase
deductibles to lower monthly payment</span></li>
<li><span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Calibri; mso-bidi-font-size: 10.0pt; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";"></span></span></span><span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Calibri; mso-bidi-font-size: 10.0pt; mso-bidi-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">Pay bi-annually
or annually to save money</span></li>
<li><span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Calibri; mso-bidi-font-size: 10.0pt; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";"></span></span></span><span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Calibri; mso-bidi-font-size: 10.0pt; mso-bidi-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">Setup recurring
payments to save money</span></li>
<li><span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Calibri; mso-bidi-font-size: 10.0pt; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";"></span></span></span><span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Calibri; mso-bidi-font-size: 10.0pt; mso-bidi-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">Bundle policies</span></li>
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<b style="mso-bidi-font-weight: normal;"><span style="mso-bidi-font-family: Calibri; mso-bidi-font-size: 10.0pt; mso-bidi-theme-font: minor-latin; text-transform: uppercase;">DIY Money Saving Tips</span></b></div>
<ol>
<li><span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Calibri; mso-bidi-font-size: 10.0pt; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";"></span></span></span><span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Calibri; mso-bidi-font-size: 10.0pt; mso-bidi-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">Sign up for
estatements</span></li>
<li><span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Calibri; mso-bidi-font-size: 10.0pt; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";"></span></span></span><span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Calibri; mso-bidi-font-size: 10.0pt; mso-bidi-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">Only file claims
for major accidents or issues</span></li>
<li><span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Calibri; mso-bidi-font-size: 10.0pt; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";"></span></span></span><span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Calibri; mso-bidi-font-size: 10.0pt; mso-bidi-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">Keep a clean
driving record </span></li>
<li><span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Calibri; mso-bidi-font-size: 10.0pt; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";"></span></span></span><span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Calibri; mso-bidi-font-size: 10.0pt; mso-bidi-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">Maintain good
credit </span></li>
<li><span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Calibri; mso-bidi-font-size: 10.0pt; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";"></span></span></span><span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Calibri; mso-bidi-font-size: 10.0pt; mso-bidi-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">Consider driving
less to get a low mileage discount</span><span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Calibri; mso-bidi-font-size: 10.0pt; mso-bidi-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;"> </span></li>
</ol>
<div class="MsoListParagraphCxSpLast" style="mso-list: l1 level1 lfo6; text-indent: -.25in;">
<span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Calibri; mso-bidi-font-size: 10.0pt; mso-bidi-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">LLearn more at <a href="http://amzn.to/2BARouh">http://amzn.to/2BARouh</a><span id="goog_1063963338"></span><a href="https://www.blogger.com/"></a><span id="goog_1063963339"></span> </span></div>
<div class="blogger-post-footer">Harrine Freeman, Owner, H.E. Freeman Enterprises
Financial Trainer, Speaker, Author of How to Get Out of Debt: Get an "A" Credit Rating for Free
http://www.hefreemanenterprises.com
Privacy Policy http://www.hefreemanenterprises.com/policy.html</div>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-32564689.post-31782449774605381062018-02-12T22:42:00.000-05:002018-02-12T22:42:21.308-05:006 Fantastic Ways to File Taxes For Free<img alt="You should read this before filing your taxes this year ..." class="detail__media__img-highres js-detail-img js-detail-img-high" height="179" src="https://images.duckduckgo.com/iu/?u=https%3A%2F%2Flocaltvwtvr.files.wordpress.com%2F2015%2F02%2Ffree-tax-01.jpeg%3Fquality%3D85%26strip%3Dall%26w%3D1200&f=1" style="display: block; height: 380px; width: 675.556px;" width="320" /><br />
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<br />
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="mso-bidi-font-family: Calibri;">Filing taxes can
be a burden for many taxpayers. Unfortunately, everyone has to file taxes even
if you are unemployed or haven’t earned any income. If you don’t have accurate
records it can be a nightmare. </span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="mso-bidi-font-family: Calibri;">The best way to
file your taxes is to stay organized. File all receipts, paperwork or possible
paperwork related to personal and business expenses and tax deductions,
categorize them into separate folders, and keep handy. </span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="mso-bidi-font-family: Calibri;">The main expenses
to keep track of are: all business income and spending, home office expenses,
retirement contributions, student loan interest, energy efficient upgrades,
real estate purchases or sales, charitable donations, contributions to college
savings plan, and capital gains. </span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="mso-bidi-font-family: Calibri;">There are several
options for filing taxes and some taxpayers are eligible to file their taxes
for free. Here are 6 ways to file your taxes for free.</span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;"><span style="mso-bidi-font-family: Calibri; text-transform: uppercase;">Free Software</span></b></div>
<div class="MsoNormal" style="margin-left: .25in;">
<span style="mso-bidi-font-family: Calibri;">If your adjusted gross income is $66,000 or less you can use free tax
software such as: Turbo Tax, Free TaxAct, Tax Slayer or H&R Block’s Free
File.</span></div>
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<br /></div>
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;"><span style="mso-bidi-font-family: Calibri; text-transform: uppercase;">Use Free Forms</span></b></div>
<div class="MsoNormal">
<span style="mso-bidi-font-family: Calibri;">Anyone can use
free file fillable forms from freefilefillableforms.com. The site provides
online versions of paper federal tax forms.</span></div>
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<br /></div>
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;"><span style="mso-bidi-font-family: Calibri; text-transform: uppercase;">Use Free Services</span></b></div>
<div class="MsoNormal" style="margin-left: .25in;">
<span style="mso-bidi-font-family: Calibri;">Find free tax clinics in you earn less than $62,000 per year </span><span style="mso-ansi-font-size: 11.0pt; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-bidi-font-size: 11.0pt; mso-hansi-font-family: Calibri;">www.irs.gov/uac/Contact-Your-Local-IRS-Office-1</span><span style="mso-bidi-font-family: Calibri;"> or contact AARP if you 50 or older </span><span style="mso-ansi-font-size: 11.0pt; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-bidi-font-size: 11.0pt; mso-hansi-font-family: Calibri;">http://www.aarp.org/applications/VMISLocator/searchTaxAideLocations.action</span><span style="mso-bidi-font-family: Calibri;">. </span></div>
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<br /></div>
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;"><span style="mso-bidi-font-family: Calibri; text-transform: uppercase;">File
Electronically</span></b></div>
<div class="MsoNormal" style="margin-left: .25in;">
<span style="mso-bidi-font-family: Calibri;">Efile (electronically) your tax return for free by using direct
deposit or pay your taxes online for free by using irs.gov</span><span style="mso-ansi-font-size: 11.0pt; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-bidi-font-size: 11.0pt; mso-hansi-font-family: Calibri;"></span><span style="mso-bidi-font-family: Calibri;">. </span></div>
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<br /></div>
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<b style="mso-bidi-font-weight: normal;"><span style="mso-bidi-font-family: Calibri; text-transform: uppercase;">Paper forms</span></b></div>
<div class="MsoNormal" style="margin-left: .25in;">
<span style="mso-bidi-font-family: Calibri;">Use paper tax forms to file your taxes and mail them to the IRS. If
you filed last year’s taxes with paper forms the IRS will mail you forms this
year. The only cost is postage. To order paper tax forms c</span>all
800-829-3676 Monday through Friday 7 am - 7 pm. </div>
<div class="MsoNormal" style="margin-left: .25in;">
<br /></div>
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;">USE TAX CLINICS</b></div>
<div class="MsoNormal" style="margin-left: .25in;">
<span style="mso-bidi-font-family: Calibri;">You can get your taxes prepared for free using the IRS Volunteer
Income Tax Assistance (VITA) program. Call </span><span style="color: black; mso-bidi-font-family: Calibri; mso-fareast-font-family: "Times New Roman";">1-800-906-9887 </span><span style="mso-bidi-font-family: Calibri;">to get more information. </span></div>
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<br /></div>
<div class="MsoNormal" style="margin-left: .25in;">
<span style="mso-bidi-font-family: Calibri;">Tax Counseling for the Elderly (TCE) programs offers tax help for
people 60 years old or older at </span><span style="color: black; mso-bidi-font-family: Calibri; mso-fareast-font-family: "Times New Roman";">1-888-227-7669. </span></div>
<div class="MsoNormal" style="margin-left: .25in;">
<br /></div>
<div class="MsoNormal" style="margin-left: .25in;">
<span style="color: black; mso-bidi-font-family: Calibri; mso-fareast-font-family: "Times New Roman";">Visit an IRS
volunteer at a self-assistance service site to get free tax preparation. Visit
the IRS website irs.gov to find a facilitated self-assistance site. </span><span style="font-family: "Arial",sans-serif; font-size: 10.0pt;"></span></div>
<div class="blogger-post-footer">Harrine Freeman, Owner, H.E. Freeman Enterprises
Financial Trainer, Speaker, Author of How to Get Out of Debt: Get an "A" Credit Rating for Free
http://www.hefreemanenterprises.com
Privacy Policy http://www.hefreemanenterprises.com/policy.html</div>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-32564689.post-5565695185872108722018-02-05T22:35:00.000-05:002018-02-11T22:36:40.133-05:00How to Earn Nontaxable Income<!--[if gte mso 9]><xml>
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<a href="https://1.bp.blogspot.com/-aZdb82l25k0/WoEK7-lxfiI/AAAAAAAABVE/eHWgpF3VqeUg4ZMdhPTDgZvCMab0mqw8QCLcBGAs/s1600/Nontaxable%2BIncome2.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="481" data-original-width="719" height="213" src="https://1.bp.blogspot.com/-aZdb82l25k0/WoEK7-lxfiI/AAAAAAAABVE/eHWgpF3VqeUg4ZMdhPTDgZvCMab0mqw8QCLcBGAs/s320/Nontaxable%2BIncome2.jpg" width="320" /></a></div>
<br />
<br />
<div class="MsoNormal">
Taxable income is money, property or services that taxpayers
receive. Most types of income are taxable with a few exceptions. Nontaxable income
is may have to be reported on your taxes but is not taxable and is given to an
employee or individual without any taxes held. Taxes laws are constantly
changing so check with your accountant or the Internal Revenue Service to
verify if you income qualifies are taxable or nontaxable. This article will
describe a few of the more common categories of nontaxable income.</div>
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<div class="blogger-post-footer">Harrine Freeman, Owner, H.E. Freeman Enterprises
Financial Trainer, Speaker, Author of How to Get Out of Debt: Get an "A" Credit Rating for Free
http://www.hefreemanenterprises.com
Privacy Policy http://www.hefreemanenterprises.com/policy.html</div>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-32564689.post-82786887572784863612018-01-29T12:01:00.000-05:002018-02-04T12:03:12.316-05:0010 Easy Ways to Stop Impulse Shopping<!--[if gte mso 9]><xml>
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<div class="separator" style="clear: both; text-align: center;">
<a href="https://3.bp.blogspot.com/-2eY9YADnD68/Wnc8d0AX_KI/AAAAAAAABUs/D54DoBDvB0k3pVnhPv6FD8y_Q6s0K2sMQCLcBGAs/s1600/Impulse%2BShopping4.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="388" data-original-width="418" height="297" src="https://3.bp.blogspot.com/-2eY9YADnD68/Wnc8d0AX_KI/AAAAAAAABUs/D54DoBDvB0k3pVnhPv6FD8y_Q6s0K2sMQCLcBGAs/s320/Impulse%2BShopping4.jpg" width="320" /></a></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Many people experience sadness, anger or other negative
emotions or try to fill a void in their life by self-medicating through shopping.
Shopping can become an addiction which results in impulse shopping. </div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Impulse shoppers regularly shop sales purchasing items they
don’t need because they enjoy the thrill of getting a bargain, getting the
latest fad item or getting the item before someone else does. Some signs of
impulse shopping include: </div>
<br />
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<li><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";"></span></span></span>Unplanned shopping that happens based on an
emotional or external trigger (window shopping, sadness, anger, sales) </li>
<li><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";"></span></span></span>Spending money you don’t have (uses credit cards,
payday loans, cash advances)</li>
<li><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";"></span></span></span>Purchasing unnecessary items that you don’t need
or didn’t intend to buy</li>
<li><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";"></span></span></span><span style="mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";">Shopping that is excessive</span></li>
<li><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";"></span></span></span><span style="mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";">You shop despite knowing the consequences </span></li>
<li><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";"></span></span></span><span style="mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";">You go into debt or experience financial trouble because
of your shopping</span></li>
<li><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";"></span></span></span><span style="mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";">You make shopping a priority in your life above
everything else</span></li>
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<br />
<div class="MsoListParagraphCxSpLast" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-add-space: auto;">
<span style="mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";"></span></div>
<div class="MsoNormal">
But don’t worry, there is help. Here are 10 easy ways to
stop impulse shopping and develop good spending habits to reduce your chances
of going into debt.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;">Budget</b></div>
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Create a budget and track your spending daily or weekly using online
banking or a smartphone app.</div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;">List</b></div>
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Create a list of what you want to buy and stick to it. Avoid giving in
to flashy retailer advertisements and gimmicks.</div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;">Cash</b></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
Pay for items with cash. Leave credit card and debit cards at home
until you develop better spending habits. </div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;">Wait</b></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
Set a waiting period for yourself - 24 hours, 3 days, 1 week or
whatever works for you. Determine if you still want to purchase the item. Then
determine if the item is a need or a want. Delay wants until you have the cash
to pay for the item.</div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;">Reduce Temptations</b></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
Create a list of things that tempt you and reduce exposure to those
temptations – window shopping, shopping trips, shopping channels, TV or
internet advertisements, mailers or newspaper advertisements, shopping
catalogs, newsletters, or retailer social media posts. </div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;">Time Limit</b></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
Set a time limit to reduce the amount of time you walk around in a
store. Find the item you want to purchase and buy it, don’t waste time browsing
– get in and get out!</div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;">Consequences</b></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
Determine the consequences of the purchase and how it will impact you –
your current bills, your savings account, your financial goals, retirement,
family obligations, college savings, paying off debt or vacation.</div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;">Total Cost</b></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
Calculate how many hours you have to work to pay for the item and
determine if it is worth it.</div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;">Alone</b></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
Go shopping alone. Peer pressure to shop can be hard to resist. Sales
clerk will pressure you to purchase an item so stick to your shopping list. If
tempted, leave the items on the counter and run out of the store until you can
regroup. Think about why you are shopping – is it a need or want, is it filling
a void. Then develop a positive way to deal with those feelings.</div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;">Support</b></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
Develop a support network. Inform your social circle that you are
working to develop better shopping habits and need support and encouragement to
stay on track. You can also join online or face-to-face impulse shopping or
shopping addiction support groups in your area or consult a therapist. <span style="mso-spacerun: yes;"> </span></div>
<div class="blogger-post-footer">Harrine Freeman, Owner, H.E. Freeman Enterprises
Financial Trainer, Speaker, Author of How to Get Out of Debt: Get an "A" Credit Rating for Free
http://www.hefreemanenterprises.com
Privacy Policy http://www.hefreemanenterprises.com/policy.html</div>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-32564689.post-30782503336367620682018-01-22T07:34:00.002-05:002018-01-22T07:34:46.791-05:00How to Survive a Government Shutdown<br />
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A government shutdown is when the government stops providing services
except those deemed "essential". Government shutdowns do not exist in
other countries. Services that continue despite a shutdown include the National
Weather Service, medical services at federal facilities, the postal service,
armed forces, air traffic control and management, and corrections. Personnel
that continue to get paid during a government shutdown: the President, Congress,
the military, federal law enforcement agents, doctors and nurses working in
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The DC Government, National Archives, The Kennedy Center, Food Safety
and Inspection Service, Patent and Trademark Office, Social Security benefits,
unemployment benefits, SNAP (food stamps), IRS refund delays, border patrol, some
high ranking presidential appointees, approximately a dozen presidential
personal aides would still function. </div>
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Americans have to change the way they think about money and how they
spend it.<span style="mso-spacerun: yes;"> </span>They must change their bad
spending habits to ensure they have a decent life in case an unexpected expense
occurs such as a medical condition, job layoff, and death of a loved one or
economic crisis.<span style="mso-spacerun: yes;"> </span>Here are 11<b style="mso-bidi-font-weight: normal;"> </b>practical ways to shield yourself from
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<b style="mso-bidi-font-weight: normal;">Essentials</b></div>
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Always have enough food for at least one week.</div>
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<br /></div>
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<b style="mso-bidi-font-weight: normal;">Bills</b></div>
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Pay priority bills first such as mortgage/rent, utilities, cell phone,
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<br /></div>
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<b style="mso-bidi-font-weight: normal;"><span lang="EN" style="mso-ansi-language: EN;">Emergency Fund</span></b></div>
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<span lang="EN" style="mso-ansi-language: EN;">Create an emergency savings
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<span lang="EN" style="mso-ansi-language: EN;"><span style="mso-spacerun: yes;"> </span></span></div>
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<b style="mso-bidi-font-weight: normal;">Voluntary
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The movement means spending in terms of needs vs.
wants, cutting back in various areas of your life – reducing expenses, and
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<b style="mso-bidi-font-weight: normal;"><span style="color: #2a2a2a; mso-bidi-font-family: Tahoma; mso-fareast-font-family: "Times New Roman";">Get current on past due accounts</span></b></div>
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<span style="color: #2a2a2a; mso-bidi-font-family: Tahoma; mso-fareast-font-family: "Times New Roman";">Pay down credit card and loan
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<b style="mso-bidi-font-weight: normal;"><span style="mso-bidi-font-family: Calibri; mso-fareast-font-family: "Times New Roman";">Create
a budget</span></b></div>
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<span style="mso-bidi-font-family: Calibri; mso-fareast-font-family: "Times New Roman";">Create a budget to determine how much you earn,
how much you owe and how much you are spending.<span style="mso-spacerun: yes;"> </span>Include savings in your budget.<span style="mso-spacerun: yes;"> </span>Track your spending daily, weekly or monthly.
</span></div>
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<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="background: white; margin-left: 0in; mso-add-space: auto;">
<b style="mso-bidi-font-weight: normal;"><span style="mso-bidi-font-family: Calibri; mso-fareast-font-family: "Times New Roman";">Reduce
expenses</span></b></div>
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<span style="mso-bidi-font-family: Calibri; mso-fareast-font-family: "Times New Roman";">Determine areas where you can reduce spending by
buying more needs vs. wants such as bringing your lunch to work, shopping at
discount stores or buying generic brands or downsizing to a smaller car or
home.</span></div>
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<b style="mso-bidi-font-weight: normal;">Don't hide from bills</b></div>
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<b style="mso-bidi-font-weight: normal;">Get Protection</b></div>
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If you don't have health, life or disability insurance consider getting
at least basic health and life insurance.<span style="mso-spacerun: yes;">
</span><span style="mso-bidi-font-family: Calibri;">Bundle services with the same
company to save money.</span></div>
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<br /></div>
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<b style="mso-bidi-font-weight: normal;">Extra Income</b></div>
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Find ways to earn extra income.</div>
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<br /></div>
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<b style="mso-bidi-font-weight: normal;">Plan for the unexpected</b></div>
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Plan for the unexpected. Reduce spending by 30-50% and have a plan A
and B.<span style="mso-spacerun: yes;"> </span>Think of possible scenarios. Develop
an action plan for each and how you can adjust your spending to accommodate for
those events.</div>
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<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;">Shop differently</b></div>
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Buy a used car instead of a new car. Buy everything generic: household
items, clothing, prescriptions, toiletries, dry goods, canned goods, paper
products. Buy non-designer clothes.<span style="mso-spacerun: yes;">
</span>Avoid impulse shopping. Buy basic necessities and limit the amount of
wants purchased. </div>
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<br /></div>
<div class="blogger-post-footer">Harrine Freeman, Owner, H.E. Freeman Enterprises
Financial Trainer, Speaker, Author of How to Get Out of Debt: Get an "A" Credit Rating for Free
http://www.hefreemanenterprises.com
Privacy Policy http://www.hefreemanenterprises.com/policy.html</div>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-32564689.post-34785301789512570002018-01-19T20:28:00.000-05:002018-01-21T11:02:37.421-05:009 Easy Ways to Hire a Tax Preparer <br />
<img alt="Tax Return Preparation | Tax Documents | St Louis CPA Firm" class="detail__media__img-highres js-detail-img js-detail-img-high" height="214" src="https://images.duckduckgo.com/iu/?u=http%3A%2F%2Fanderscpa.com%2Fwp-content%2Fuploads%2F2015%2F03%2FTax-forms-with-Helpful-Sticky-note-960x645.jpg&f=1" style="display: block; height: 380px; width: 565.581px;" width="320" /> <br />
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Bullet 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Bullet 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Bullet 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Bullet 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Number 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Number 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Number 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Number 5"/>
<w:LsdException Locked="false" Priority="10" QFormat="true" Name="Title"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Closing"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Signature"/>
<w:LsdException Locked="false" Priority="1" SemiHidden="true"
UnhideWhenUsed="true" Name="Default Paragraph Font"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text Indent"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Message Header"/>
<w:LsdException Locked="false" Priority="11" QFormat="true" Name="Subtitle"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Salutation"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Date"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text First Indent"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text First Indent 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Note Heading"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text Indent 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text Indent 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Block Text"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Hyperlink"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="FollowedHyperlink"/>
<w:LsdException Locked="false" Priority="22" QFormat="true" Name="Strong"/>
<w:LsdException Locked="false" Priority="20" QFormat="true" Name="Emphasis"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Document Map"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Plain Text"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="E-mail Signature"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Top of Form"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Bottom of Form"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Normal (Web)"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Acronym"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Address"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Cite"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Code"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Definition"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Keyboard"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Preformatted"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Sample"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Typewriter"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Variable"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Normal Table"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="annotation subject"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="No List"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Outline List 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Outline List 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Outline List 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Simple 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Simple 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Simple 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Colorful 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Colorful 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Colorful 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 6"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 7"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 8"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 6"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 7"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 8"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table 3D effects 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table 3D effects 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table 3D effects 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Contemporary"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Elegant"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Professional"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Subtle 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Subtle 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Web 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Web 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Web 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Balloon Text"/>
<w:LsdException Locked="false" Priority="39" Name="Table Grid"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Theme"/>
<w:LsdException Locked="false" SemiHidden="true" Name="Placeholder Text"/>
<w:LsdException Locked="false" Priority="1" QFormat="true" Name="No Spacing"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading"/>
<w:LsdException Locked="false" Priority="61" Name="Light List"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 1"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 1"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 1"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 1"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 1"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 1"/>
<w:LsdException Locked="false" SemiHidden="true" Name="Revision"/>
<w:LsdException Locked="false" Priority="34" QFormat="true"
Name="List Paragraph"/>
<w:LsdException Locked="false" Priority="29" QFormat="true" Name="Quote"/>
<w:LsdException Locked="false" Priority="30" QFormat="true"
Name="Intense Quote"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 1"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 1"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 1"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 1"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 1"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 1"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 1"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 1"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 2"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 2"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 2"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 2"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 2"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 2"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 2"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 2"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 2"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 2"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 2"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 2"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 2"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 2"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 3"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 3"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 3"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 3"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 3"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 3"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 3"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 3"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 3"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 3"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 3"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 3"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 3"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 3"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 4"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 4"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 4"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 4"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 4"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 4"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 4"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 4"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 4"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 4"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 4"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 4"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 4"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 4"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 5"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 5"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 5"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 5"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 5"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 5"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 5"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 5"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 5"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 5"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 5"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 5"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 5"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 5"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 6"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 6"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 6"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 6"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 6"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 6"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 6"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 6"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 6"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 6"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 6"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 6"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 6"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 6"/>
<w:LsdException Locked="false" Priority="19" QFormat="true"
Name="Subtle Emphasis"/>
<w:LsdException Locked="false" Priority="21" QFormat="true"
Name="Intense Emphasis"/>
<w:LsdException Locked="false" Priority="31" QFormat="true"
Name="Subtle Reference"/>
<w:LsdException Locked="false" Priority="32" QFormat="true"
Name="Intense Reference"/>
<w:LsdException Locked="false" Priority="33" QFormat="true" Name="Book Title"/>
<w:LsdException Locked="false" Priority="37" SemiHidden="true"
UnhideWhenUsed="true" Name="Bibliography"/>
<w:LsdException Locked="false" Priority="39" SemiHidden="true"
UnhideWhenUsed="true" QFormat="true" Name="TOC Heading"/>
<w:LsdException Locked="false" Priority="41" Name="Plain Table 1"/>
<w:LsdException Locked="false" Priority="42" Name="Plain Table 2"/>
<w:LsdException Locked="false" Priority="43" Name="Plain Table 3"/>
<w:LsdException Locked="false" Priority="44" Name="Plain Table 4"/>
<w:LsdException Locked="false" Priority="45" Name="Plain Table 5"/>
<w:LsdException Locked="false" Priority="40" Name="Grid Table Light"/>
<w:LsdException Locked="false" Priority="46" Name="Grid Table 1 Light"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark"/>
<w:LsdException Locked="false" Priority="51" Name="Grid Table 6 Colorful"/>
<w:LsdException Locked="false" Priority="52" Name="Grid Table 7 Colorful"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 1"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 1"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 1"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 1"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 1"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 1"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 1"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 2"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 2"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 2"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 2"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 2"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 2"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 2"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 3"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 3"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 3"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 3"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 3"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 3"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 3"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 4"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 4"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 4"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 4"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 4"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 4"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 4"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 5"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 5"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 5"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 5"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 5"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 5"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 5"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 6"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 6"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 6"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 6"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 6"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 6"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 6"/>
<w:LsdException Locked="false" Priority="46" Name="List Table 1 Light"/>
<w:LsdException Locked="false" Priority="47" Name="List Table 2"/>
<w:LsdException Locked="false" Priority="48" Name="List Table 3"/>
<w:LsdException Locked="false" Priority="49" Name="List Table 4"/>
<w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark"/>
<w:LsdException Locked="false" Priority="51" Name="List Table 6 Colorful"/>
<w:LsdException Locked="false" Priority="52" Name="List Table 7 Colorful"/>
<w:LsdException Locked="false" Priority="46"
Name="List Table 1 Light Accent 1"/>
<w:LsdException Locked="false" Priority="47" Name="List Table 2 Accent 1"/>
<w:LsdException Locked="false" Priority="48" Name="List Table 3 Accent 1"/>
<w:LsdException Locked="false" Priority="49" Name="List Table 4 Accent 1"/>
<w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark Accent 1"/>
<w:LsdException Locked="false" Priority="51"
Name="List Table 6 Colorful Accent 1"/>
<w:LsdException Locked="false" Priority="52"
Name="List Table 7 Colorful Accent 1"/>
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<br />
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Tax season is here. Some people procrastinate and wait until
the last minute to file their taxes which makes it difficult when trying to
find a reputable tax preparer. It can take time to find a good tax preparer but
if you wait until the last minute you have limited options and may be charged a
higher fee. The average cost ranges from $150 to $300 but can range as high as 1,500.<br />
<br />
Learn more at <a href="http://tiny.cc/kbnmpy" target="_blank">http://tiny.cc/kbnmpy </a><br />
</div>
<div class="MsoNormal">
</div>
<div class="MsoNormal">
Some tax preparers charge by the hour, charge a flat fee for
each form used, charge a fee based on the previous year’s fee plus additional
charges for any changes, charge based on the complexity of the client’s
situation, charge a flat fee for each data entry item and some charge based on
a percentage of your refund. Here are 9 steps to hire a tax preparer:</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;">Expertise</b></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
When hiring a company verify who will prepare your taxes - an entry
level, junior or senior employee. Ask about their experience and the type of
clients they have serviced.<span style="mso-spacerun: yes;"> </span>If a less
seasoned employee is preparing your taxes request that a senior employee review
your returns before filing to ensure no deductions were missed and no errors
are found. Not everyone is knowledgeable in every area and not everyone will
admit that they lack that knowledge because they want to get your business.</div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;">Claims</b></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
Avoid hiring tax preparers who guarantee a refund or a specific amount,
this information cannot be determined until your taxes are prepared. These
types of individuals or companies conduct unethical or illegal practices to get
large refunds, may charge additional fees and put taxpayers at risk for an
audit.</div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;">Disclosure of Fees</b></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
Ask for disclosure of all fees that can be charged. Inquire about
payment methods and installment plans. </div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;">Registration</b></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
Verify the t<span style="mso-bidi-font-weight: bold;">ax preparer</span> is
registered in their state and possesses a Preparer Tax Identification Number (PTIN).<span style="mso-spacerun: yes;"> </span>Tax preparers can have different credentials.
You have the option of using a Certified Public Accountant (CPA), Enrolled
Agent (EA) or Tax Attorney. </div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;">Known Companies</b></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
Companies can be used such as H&R Block or Jackson Hewitt to
prepare taxes. However, these companies may not have tax preparers who
specialize in certain areas. These types of companies are best for taxpayers
who have common tax deductions, homeowners and those who do not own a business.</div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="mso-fareast-font-family: "Times New Roman";">Customer
Service</span></b></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman";">Verify their level of customer service by looking up the individual or
company on the </span><span style="mso-fareast-font-family: "Times New Roman";">Better
Business Bureau (BBB) website or with your state directory for licensed tax
preparers. </span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="mso-fareast-font-family: "Times New Roman";">File
Electronically</span></b></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman";">Ask if the tax preparer offers electronic filing which spends up
processing time and the time to receive a refund.</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="mso-fareast-font-family: "Times New Roman";">Obtain Contact
Information </span></b></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman";">Ensure you have the tax preparer’s contact information including first
and last name, work and cell phone number and email address if you have
questions during or after the tax preparation process.</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;">Guarantee</b></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
The tax preparer should guarantee the accuracy of your tax returns and
offer to amend your tax return at no cost if an error is made or be willing to
represent you during an audit.<br />
<br />
Learn more at <a href="http://tiny.cc/kbnmpy" target="_blank">http://tiny.cc/kbnmpy </a></div>
<div class="blogger-post-footer">Harrine Freeman, Owner, H.E. Freeman Enterprises
Financial Trainer, Speaker, Author of How to Get Out of Debt: Get an "A" Credit Rating for Free
http://www.hefreemanenterprises.com
Privacy Policy http://www.hefreemanenterprises.com/policy.html</div>Unknownnoreply@blogger.com0