Rich People's Quotes

Academic qualifications are important and so is financial education. They're both important and schools are forgetting one of them. - Robert Kiyosaki

I wasn't satisfied just to earn a good living. I was looking to make a statement. - Donald Trump  

Be nice to nerds. Chances are you'll end up working for one. - Bill Gates  

Be thankful for what you have; you'll end up having more. If you concentrate on what you don't have, you will never, ever have enough. - Oprah Winfrey  

I never attempt to make money on the stock market. I buy on the assumption that they could close the market the next day and not reopen it for five years. - Warren Buffett

At the end of the day you have to keep emotions away. - Lakshmi Mittal  

How To Get Rich Slowly Online

"Imagine waking up every morning and finding orders waiting for you in your e-mailbox. While you were sleeping, customers from all over the world were giving you money. And you don't have to do much at all, because your computer does all the dirty work for you and then deposits money in your bank account - all without lifting a finger. 

It's like having your own perfect money-making machine working for you tirelessly day and night.

Think about having your car payment taken care of..

Think about your mortgage getting paid off...

Think about your bills and debts disappearing..

Think about some extra spending money for vacations or cool gifts and gadgets.. "

This is an introduction page for Yanik Silver's book, Moonlighting on the Internet. Yanik Silver is a serial entrepreneur although he still considers himself a 'techno dunce'. Starting from his one-bedroom apartment and with just a few hundred dollars, Yanik has built multiple 7-figure businesses. He is the author, co-author or publisher of several best-selling marketing books and tools including Moonlighting on the Internet, Instant Sales Letters® & 34 Rules for Maverick Entrepreneurs.

Apart from a spirit-lifted success story in the Moonlighting on the Internet, he specifically covers the 5 proven ways to make an extra paycheck online every month.

1) Information product - We can have every information we need on the internet this day, and all for free. So how could we possibly sell information to make a fortune online. This is cover in the Part 1 of this book. How to figure what information to sell, where to evaluate your ideas and how to create your HOT offer.

2) eBay - eBay registers 3,000-4,000 new users every hour and this site gets more searches than Google. If you thought that eBay is only a place where people selling off junk they didn't want, you might be wrong. In Part 2, you will discover more about eBay. Everybody has to understand why people buy on eBay. This understanding will help you to find the right products and set up your own business.

3) Affiliate marketing - This is an exciting way to make money if you have a limited time.  Finding an affiliate program use a simple trick. Before selecting a program, do ask yourself, is the company reputable? There's a way how to ensure a company's reputation. Rosalind Gardner is a famous and successful affiliate marketer online. She shares how she get started together with her precious tips in the Part 3 of this book. My favorite discussion is how to drive traffic to the site and how to promote the affiliate program.

4) Yahoo! Store and E-commerce Stores - In Part 4, you will read about Yahoo! stores. For record, Yahoo! shopping network attracts 13 million shoppers to its portal everyday. With your own Yahoo! stores, you can be right in front of these customers when they're ready to buy. But as simple as it sound, you need to know the simple trick how you can get started, from creating your store logo, licensing to competition game to win.

5) Blogging -   This is the final part of the book. You spend your leisure time blogging and you love doing it. And I am sure you will love it more when you know you can create money from your hobby. Where the money coming in for bloggers? Direct income like advertising and sponsorship or indirect income like consulting and writing gigs. There are few points include on how to be a  quality blogger in this section. The quality is not a must but at least it will provide some clarity so you can make a smarter decisions about how to start blogging and keep your readers coming back.

Click to buy Moonlighting on the Internet: 5 World-Class Experts Reveal Proven Ways to Make Extra Cash and have it deliver in front of your door house.

5 Financial Gifts Idea

By Personal Money #76

Here are 5 gifts that keep on giving long after the giving season is over.
1) Games

Learning about money can be fun and rewarding at the same time. Board games like Smart Money and Monopolyteach concepts like creating wealth, budgeting, real estate and investing.


2) Unit trusts or stocks
Select investment that are suited to the recipient's risk profile and resources. When comes to buying stocks, you have to notify the recipient first, as only his broker can take instructions from him.


3) Precious Metals

Jewellery may increase in value. However, there is a major difference between buying someone gold chain to wear and a gold to keep. Ideas: 1 carat (1.00 ctTW) Brilliant Round Diamond Stud Earrings in 14Kt White or Yellow Gold,Screwback (GH - I112) or 10k Gold 3-stone Diamond Heart Pendant with 18" Chain (1/10 Cttw; I-J Color)


4) Financial advice
An appointment with a financial planner would be much appreciated by one who is need a specialist help to sort out his financial management issues. Look out for qualified planners who are bound by the rules and guidelines imposed by the relevant issuing bodies.


5) Reading material

Personal finance books or magazines, another gift alternative for those who are reluctant to reveal too much information to a financial planner. A good stater is Suze Orman's The Road to Wealth, Revised Edition or David Bach's Debt Free For Life: The Finish Rich Plan for Financial Freedom

How to Give Richly and Keep Your Budget In Track

At the end of the year we have the traditions of giving gift. Here are 3 ways to smart gifting that give back from Personal Money #76.

1) Plan wisely

Make a list of your gift's recipients. You might want to consider giving to people who provided good service to you the entire year. Make a rough estimate of the total spent each year and decide if you want to spend less, the same or more. Second, set a ceiling budget for each person, including gift-wrapping or postal charges. For more saving, look out for periodical sales.

2) Keep to your budget

What do you do when you are given gift, but have nothing to give in return? Never rush to buy someone a gift in return, as the giver will know you never meant to give it in the first place. Instead, write a thank you note a day after. This will be more sincere. If your recipient gives you an expensive gift? Stick to what you can afford.

3) Keep credit in check

Avoid using your credit card unless you know you will be able to pay the bill in full. Credit cards are convenience tools only and cannot be treated as cash in hand.

Funny Money

By, buzzle.com

The Complete Guide To Protecting Your Financial Security When Getting a Divorce

Whether you have been stunned by your spouse's divorce bombshell or have dropped one yourself, you must avoid the potentially fatal financial fallout. The Complete Guide To Protecting Your Financial Security When Getting a Divorce helps both men and women survive economically and ultimately thrive.

In Chapter 1, you will find information and philosophy intended to help you make some sense - without losing too much money - of the thought and emotions that are swirling within you as a person who's either contemplating or pursuing divorce.

In Chapter 2, you will find overviews of the divorce process from a primarily legal perspective and descriptions of the many choices you have for initiating and carrying through the divorce, and their financial implications. 

Grab one from your nearest bookstore or simply click The Complete Guide to Protecting Your Financial Security When Getting a Divorce to get it online.

Trouble Town

By, funnytimes.com

How To Sell Your Own House Fast

Think you can’t sell your house in today’s market? Well, think again. 

Regardless of what you’ve read or heard on TV, it’s NOT too late to sell your own house FAST and for top dollar… even in a sluggish buyer’s market.

Now put aside your skepticism for just a minute and hear me out. Because this is what you need to get the leverage on the seller’s side for a change and get your house sold quickly and profitably. You see there’s a piece of reality missing from all the gloom and doom reports. A piece that could make all the difference in how things look for you a couple of weeks from now.

 

And that crucial missing link is this…

Read more How To Sell Your Own House Fast

The Smart 6 Money Value For Buying Jeans

Jeans are so popular. Wearing the right pair of jeans for your type of figure will dramatically make you look great. They are casual, stylish and can be worn for just about any occasion or event.

Genetic Denim has introduced five, cargo-inspired styles to the Fall 2010 Women’s Collection. Rendered in Tencel Cotton twill, the new signature cuts range from narrow to exaggerated boyfriend. The fabrication retains a polished drape, evocative of the luxe, soft denim the brand is known for. 

6 Tips to buying jeans that value for your money:

1. Get the right size, we as women have a thing with buying clothing one size smaller, this fine but with jeans you want to make sure you are comfortable.

2. Try them on before buying it will not only save you time but gas as well.

3. To catch your favorite jeans on sale sign up for a newsletter to get the discounts and bargains.

4. Make sure the zipper works properly and there are no loose buttons.

5. Check for any snags, tears, stains and even odor. Sometimes people that try them on are not as clean as they should be.

6. Jeans are so cool; it is good to have a variety of them with the right pair you could learn to love your body shape.

Top 5 Survival Plan to Handle Divorce

Everyone who decided to be married has no intention to divorce later. Everyone is looking for a "live happily ever after" marriage. But when a couple cannot get along anymore, divorce is the final answer. Separation left both emotionally broken but when this hard decision has to make, do not let this bitter situation broke your financial too.  

How to survive and protect your security financial for later?

Survival Plan 1 - Reduce unneccessary expenses

Meet with your spouse and agree to cancel utilities and other bills. Sell off your personal property that you do not need or want anymore to save money.

Survival Plan 2 - Cancel all of your jointly owned credit cards.

You need to cancel the cards because the spouse can charge up all kinds of different charge on the cards and you will get stuck paying them back.  Canceling the cards now can save you money that you will need to have later on.

Survival Plan 3 - Separate the jointly owned bank accounts

If you have bank accounts together, you may want to divide the money first.  If not, your spouse may decide to go and take care of the money on their own and leave you with nothing.  If you have outstanding bills for the home, explain this to the spouse so that the arrangements can be made to pay for them.  

Survival plan 4 - Stop contributing to combined accounts like 401K and pension plans.

Telling your place of employment whom usually does this.  Make the necessary arrangements so that your money is not being added to this account.

Survival plan 5 -  Keep your job or try and find one

You have to make sure that you are protecting yourself and able to raise your family. If you are not getting any money from your spouse, you will have to do something to support your monthly needs.  You may want to ask your 'soon to be ex' if they can help you financially until the divorce proceedings are over.  This is only recommended if you are ending the divorce in a good way.  If you are fighting over everything and not getting along, you need to contact your attorney and have them ask for you. 

Learn more proven divorce tips and divorce strategies to save thousands of costly mistakes.

Top 3 Tips - How To Avoid Mystery Shopping Scam

 

If you like shopping, browsing through stores, dining at new restaurants or trying out new services - you will love mystery shopping.  This is a great way to make some extra money.

Businesses this days need to know what average consumers think about their products and services. And they need to know what’s going on when management isn’t looking over their employee’s shoulders. They accomplish this by bringing in mystery shoppers.

As a mystery shopper, you will visit stores and pretend to be an ordinary customer. You task is to secretly evaluate customer service, store cleanliness and product quality. When done, you are to fill in a small questionnaire describing your shopping experience. You then submit your report and get paid for your opinions. However, the most difficult parts of mystery shopping is staying away from mystery shopping scams. How to find legitimate mystery shopping companies to work for?

Trick No.1 - Getting paid before even performing the actual mystery shopping assignment

Remember, a legitimate mystery shopping company will never send you a check before your shopping is completed. You shop with your own money, after reporting your shop, you get reimbursed for what you spend, and then will be paid your reward.

Trick No.2 - Charging a fee for registration

A real and legitimate mystery shopping company never charges you a fee for registration, not even a cent. If you are asking a so called one-time-registration-fee from a company or website claiming to be a real mystery shopping company in order to assign you mystery shopping jobs, (probably with 30-days money back guarantee), turn around and never look back.

Trick No.3 - If it sounds too good to be true, it probably is!

In most cases if it sounds too good to be true it probably is! Let's say, a company promising you that you get to keep things like a diamond ring for a 20 minuet shopping assignment, don't you think that's a bit too much? Mystery shopping agencies do what they do to make money. Logically, they are not making any money if they were to give out such big payouts. So, stay away from companies with such promises.

How to Create Extra Income With Forex

Recently, I received invitation from my friend to join him with Forex trading. He invest $1,000.00 and make $9,000.00 profit the next 3 weeks. Sound interesting for those who like to make extra money without quitting your day job? 

More people today have realized the potential income that they can earn from forex trading. But it is  important to do your homework and find out more about forex day trading before you start. In this way, you will learn the basic safety measures of forex day trading.

What is Forex? Forex is foreign exchange market or currency market. In other words, Forex is the market where one currency is traded for another. It is one of the largest markets in the world. 

When does Forex operated? Unlike stocks and futures exchange, foreign exchange is indeed an interbank, over-the-counter (OTC) market which means there is no single universal exchange for specific currency pair. The foreign exchange market operates 24 hours per day throughout the week between individuals with Forex brokers, brokers with banks, and banks with banks. 

How to get the best forex trader? Make sure you signed up with a registered forex broker. A good forex broker should be able to provide you training or knowledge. You should choose brokers that would not only provide you with bankwire options but also liberty reserve, paypal amongst others depending on the country you are registered from.

Finally, if you are serious to make extra money from the comfort of your own home, forex trading might be the next thing for you. Learn the unique method to generate $500 per day trading the forex market with FOREX TRADING MACHINE. 

Toni Braxton -- Bankrupt Again, May Owe $50 Mil

By, TMZ.com

Toni Braxton has filed for bankruptcy again -- claiming she owes somewhere between $10 million and $50 million in unpaid debts all over the country ... including DMVs in TWO different states.

Braxton -- who sold more than 40 million albums in her career -- just filed for Chapter 7 bankruptcy in California ... and in the docs, the singer claims she's only worth somewhere between $1 mil and $10 mil ... but she could have up to $50 mil in debts.

In the docs, 43-year-old Braxton lists a ton of creditors to whom she thinks she may owe money... including:
AT&T, The Four Seasons Hotels, Cedars-Sinai Medical Center, Various medical bills, DirecTV, Neiman Marcus, The William Morris Agency, Tiffany & Co., Orkin Pest Control, The Internal Revenue Service, BMW Financial Services, ADT Security, American Express, Flamingo Las Vegas, Mesa Air Conditioning, Nevada Power Company, Screen Actors Guild, The Westin and Wells Fargo Bank

Braxton also claims she may owe money to the City of L.A. Parking Violations Bureau -- and the DMV in both California and Nevada.

Braxton has a storied history of financial problems -- she filed for bankruptcy back in 1998 ... and earlier this year, the IRS filed a lien against her for $396k. 

How to Make Money While You Sleep

When was the last time you saw a sunrise? or a sunset? 

You rise early in the morning to get your things done fast. Be at home very late at night to catch the deadline in workplace.

You don't even notice if the sun rise from the west, perhaps.  

Busy. Busy. Busy. To best describe your life.

Or the definite description is money, money and money.

I remember one of my friend said, only the rich man is sitting and watching the sun rise in the morning. To explain this, he said that rich man no need to work hard. He is rich, free and hence nothing to fill his leisure time, all he do is waiting for the sunset.

Whatever your opinion about this, I do believe that everyone dreams a life like that. Money comes rolling down on our own feet. Imagine. Sit lazily on the couch, worry not about anything because everything is provided. Like a king. But the true things is rich man not getting rich by sitting lazily on a couch. He works for it. Even thief works to get rich fast. But stealing other people's hard earn money is so uncivilised. There is no way to get rich fast except work and work. But still, there are a way to make money while you sleep.

1) Investment

Invest into a proverbial fixed deposit, but yeilds are low. Another option is dividend stocks. By owning a stocks or shares in a company you are entitled to your portion's of the company's profit. But like any investment, there are risks involved. Do research before you put your money there. Stocks that have shown promising growth in the past can usually be trusted to contiue providing good dividends.

2) Take advantage on your talents

If you enjoy taking photograph, do not let it sleep in your hard disk. Let them make some money.You can cash in your taking-high-quality-photography hobby. Join micro-stock agencies like Shutterstock.com to sell your photograph. Your photograph will parked there, and the image remains on sales as long as there is a demand for them.

3) Dig in Rental   

Asset put money in your pocket, while liabilities take money out of it. Asset give you a positive cash flow. The clue is the received rental must be higher than your mortgage, taxes, maintenance and expenses. The first key to get a good price is always buy a property below the market value.

4) Search the Internet

If you have a skill, or knowledge or experiece that will inspire others or solve other people's problem, write an e-book and sell it online. The key point is the content itself. It is normal if your e-book doesn't work. Preseverance is important. If it's not work, move to the next e-book.

5) Franchising Business

Franchising is where people are paying for your idea of business operation. Learn 7 easy steps to make a strategic plan for your business.[CLICK]

Money Money Money - ABBA

I work all night, I work all day, to pay the bills I have to pay
Ain't it sad
And still there never seems to be a single penny left for me
That's too bad
In my dreams I have a plan
If I got me a wealthy man
I wouldn't have to work at all, I'd fool around and have a ball

Money, money, money
Must be funny
In the rich man's world
Money, money, money
Always sunny
In the rich man's world
Aha-ahaa
All the things I could do
If I had a little money
It's a rich man's world
It's a rich man's world

A man like that is hard to find but I can't get him off my mind
Ain't it sad
And if he happens to be free I bet he wouldn't fancy me
That's too bad
So I must leave, I'll have to go
To Las Vegas or Monaco
And win a fortune in a game, my life will never be the same

Money, money, money
Must be funny
In the rich man's world
Money, money, money
Always sunny
In the rich man's world
Aha-ahaa
All the things I could do
If I had a little money
It's a rich man's world

Money, money, money
Must be funny
In the rich man's world
Money, money, money
Always sunny
In the rich man's world
Aha-ahaa
All the things I could do
If I had a little money
It's a rich man's world
It's a rich man's world

How She Makes a Million

Datin Clara Chee, 67, founder and chairperson of Clara International Beauty Group featured in Personal Money magazine November 2008 to share her succsess story. Her mother is one of her inspiration. Her mother used to say, 'Don't just be a homemaker like me. Look at your successful cousins and be professional like them'. Chee was inspired by her father's work in sundry shop too. She invested in education, pursued medicinal and cosmetic product technology education in UK.

In 1997, she set up her first beauty salon with RM20,000 loan she and her spouse managed to get from Credit Guarantee Corporation. She set up a beauty academy in 1979. She said: "Our business succeeded because we have scientific evidence to back up our case studies. We understand what products we are using and what methods can be used to treat certain skins problem. Word-of-mouth help spread the result we achieved."

Today, Clara International Beauty Group has more than 50 beauty centres in the country and overseas, including China and India. "My whole life is about education. Without it, it's impossible to win the hearts of others," she says.

Cosmetic Millionaire Murdered

Malaysian cosmetic founder millionaire, Datuk Sosilawati Lawiya was reported missing by her family on August 31, 2010. Sosilawati, 47, leaves her house in Gombak for Banting to discuss a land deal worth RM1.4mil. She had told one of her daughters that she would be in Banting for three days. But three days have passed and there are no signs of Sosilawati, her driver Kamaruddin Shamsuddin, 44, lawyer Ahmad Kamil Karim, 32, and financial adviser Noorhisham Mohammad, 38.

Luxury cars belonging to Sosilawati and her lawyer are found in Subang Jaya on September 6. Suspects arrested three days later. Police later found that the millionaire and her three assistant have been murdered and their bodies burnt before the ashes were strewn in a river near Ladang Gadong in Tanjung Sepat, near Morib.

Is it risky for being a millionaire? 

How to Cut Your Grocery Store Costs

Here are 14 ways to buy what you need while spending less. Highlighted from Nancy Dunnan's book Recession Proof Your Financial Life.

Before Leaving Home

1. MAKE A LIST. Jot down what you really needs helps you reduce expensive impulse purchases. Check your list again against your inventory, so there is nothing miss out.

2. HAVE A MEAL OR AT LEAST A SNACK. If you are hungry, you are automatically buy more than you need.

3. ARRANGE YOUR FAMILY TIME SO THAT YOU CAN SHOP ALONE. Or shop without the children in tow. Kids are great in talking their parents into buying something unnecessary.

4. PUT A CALCULATOR IN YOUR PURSE OR POCKET to keep running tally of the items in your cart.

On the Way to the Store

5. GET CASH. Using credit cards automatically makes it easier to spend more. Put the amount you have budgeted for groceries in an envelope or a special section of your wallet.

 

At the Store

6. PICK THE RIGHT STORE. Check out food warehouses as well as supermarkets.

7. STUDY THE STORE'S LAYOUT. Typically milk, ice cream and other dairy products and also meat are at the rear of the store. This is intentional because it means that you must walk by a lot of other items before you get to your destination.

8. RESIST BOTTLED WATER. Most cities and towns have decent tap water. Buy a filter, if for some reason you don't care for your local water.

9. GO FOR SOFT DRINKS IN LARGE BOTTLES because it is much cheaper.

10. SKIP THE P'S - prepared, precut, peeled. Do your own slicing and dicing. Mixed cubes of watermelon, cantaloupe, pineapple and strawbery in a plastic container are priced to include the cost of labor.

11. SKIP THE G'S - grated items. Grate your own carrots, cheese and potatoes.

12. BEND YOUR KNEES. Higher-priced items tend to be at eye level. Lower-priced groceries are often on the bottom shelf.

13. WATCH THE BILL. Make sure your amount match on the scanner.

14. LOOK THE OTHER WAY AT CHECKOUT. Do you really need those magazines, recipe booklets, candy bars and gadgets?

Start Late, Finish Rich

Start Late, Finish Rich: A No-Fail Plan for Achieving Financial Freedom at Any Age (Finish Rich Book Series)

In the opening of this book, David Bach motivate readers that whether you are in your 30s, 40s, 50s or beyond, it's never too late for every one to start and finish rich. Anyway, action on what you learn is what will change people's life, not the book.

Earlier in this book, David Bach introduce his Latte Factor concept which refering to the amount of money you are wasting on little extravagances, like a cup of coffee, and how rich you could become if, instead of wasting all dollars, you put them to more productive uses. Regardless how big or small your paycheck is, the Latte Factor can make a real difference in your life. In this book, David Bach shows how Latte Factor works and a few people share their Latte Factor success to help you understand this in a clearer picture. If you are starting late, then you are going to find your Double Latte Factor.

David Bach start with credit card debts, which many people are financially hold back. Most people find that settle  their credit card debt is impossible because they focus on the debt instead of the real enemy, the interest. You will learn the secret in credit card industry and how to cut the card interest when you read further.

The art of 'paying yourself first' comes next. And there is a simple math to elaborate this topic. Then, what will you do with the money you save? Toss out the budget and make it automatic. Investment is another way to start late and finish rich, only if you make a strategic plan. Buy real estate, buy stocks, or buy bonds. Buying a home is also a good investment. You cannot get rich being a renter. The fact that buying can cost you less than renting is the reason why you have to buy a home now and it has to be your goal. In Chapter 12, you will coach on how to buy a home and pay it off early.

But we haven't complete yet. There's another secret that rich people know.

The 5 Must Know Credit Tips for Students

Building and maintaining good credit is more important today than ever. Whether we realize it or not, so many parts of our daily financial lives revolve around our credit scores. But don't fret - abide by these five must know credit tips for students and you shouldn't have any problems at all.

1. Start a Credit History
The best way to start your credit history off on the right foot is to keep it natural and realistic. Go ahead and open up savings and checking accounts - you'll need them. Next, try starting off with a student credit card. Use it only to make purchases that you'd make anyway and then pay it off in full and on time each month with the funds from your checking account. Your credit worthiness will gradually begin to grow just by conducting everyday transactions.

STUDENT PLUS Click Here! to check it out.

2. Stick to One Credit Card
If you're using your credit card only to make planned purchases and paying it off each month, chances are, having one credit card is all you'll ever need. Sure, the limits start off fairly low, but they will rise as you make purchases and pay the bills on time. Know that having more than one credit card as a college student statistically has a history of leading to credit troubles.

3. Live On a Budget
This is probably one of the most important credit tips for students there is. Write down all of your monthly expenses at the beginning of every month in the order of what you'll need to pay first. Use your income to pay the items according to priority and be sure not to spend any money at all outside of these categories until all expenses are paid first. Actually writing everything down helps reinforce your understanding of your own individual financial picture and does help prevent unnecessary impulse buys that often snowball and cause credit problems later.

4. Financial Responsibility Counts
Yes, you have to make that credit card payment on time! Paying bills isn't quite as fun as spending money in the first place, but your credit will be badly damaged for many years to come if bills are paid late or not at all. It's always better to pay a week early than one second late. Just as important as paying the credit card bill on time is keeping well within the confines of your credit card's limit.

5. Check Your Credit Reports Often
Just because you're a student and probably only have just begun your credit history recently doesn't mean that you're not a target for identity thieves. Seeing your financial picture from all perspectives is essential to building a lifetime of good credit. Everyone is eligible to check copies of their credit report for free each year. Try checking one of the major three credit bureaus (Experian, Equifax, and Trans Union) once every four months to make sure there's no funny business happening at your expense.

Damaged credit will severely hinder everything from the purchase of a home later on in life to the amount you'll pay for car insurance. Credit affects practically everything these days, so control your credit score by actually taking advantage of these credit tips for students instead of letting your credit rating control you!

By Scott Stadler - CollegeStudentCreditCards.net

How to Get Student Travel Discounts

We all thought that senior citizens were the only class of citizens that got these types of discounts but we're wrong. Students can save a lot of money when it comes to travelling the world and it's actually not that hard to save. All it requires is a little bit of your time and research and you'll have a deal in no time.


1. Student Travel ID Cards

Student discount cards like the ISIC can save you on discounts from places around the world. A simple flash of the card can get you discounts at places like the movies, restaurants, and many other places. Applying for the card couldn't be easier! Remember that when you do apply for the card that you ask around everywhere you go, you'll be surprised on how many places actually accept the card. Visit Myisic to look at the many places you can save at.

Related manual: THE TRAVEL SECRET GUIDE Click Here to check it out.

2. Airfare
The next time you fly, make sure you don't purchase tickets at a regular price. Instead, check out websites for the student sections. There are countless websites online that cater to students and flying the great blue skies. When it comes to flying, students can sometimes save more than fifty percent.


3. Trains
If your college campus is near a train station or you plan on riding a train in the near future, once again, make sure that you plan on looking for a student discount before you purchase your train ticket. Just like the airlines, you can save a load of money just for being a college student.


4. Bus

By now, I've probably listed every method of transportation out there but hopefully you get the clue by now. No matter what you use to get around the world, there are student discounts. So, if you're paying full price for any ticket out there and you're a student, you really need to look into student discounts around the internet. There are so many ways to save on travel.

Click Here for travel guide.

So the next time you're looking to book that trip around the globe, make sure you get that discount because if you don't, you're blowing money you shouldn't.

10 Ways To Survive Life On A Student Budget

Of the hundreds of tactics students are using to make uni-life easier on their pocket, here are the 10 most popular in no particular order:

1. Look for part-time work.
It may seem obvious but a surprising number of students don't supplement their loans with a wage. Now, nobody needs to tell you about benefits working in a bar or supermarket can bring to your social life! However, it can also bring benefits to your pocket because your wages will pay for all those uni-nights out, takeaways and parties. Getting a part-time job is also a great way to meet local people outside of the traditional uni-scene.

2. Have all your fun for nothing.
It doesn't have to cost the earth to enjoy yourself at university. There are countless companies and organisations willing to give you bucket-loads of free stuff. All you have to do is look for them online.

3. Live large but spend small.
If you love to party, then there are loads of ways to have more fun for less money. There are plenty of websites out there that provide money-off vouchers for bars, pubs and clubs such as Jongluers.

4. Eat out for less.
A treat on the taste buds it may be, but eating out can leave a you feeling sick when the bill arrives. So, don't pay the full amount? There are hundreds of discount deals online including everything from Pizza Hut to your local Indian.

5. Sell books and buy cheaper ones second-hand.
The trouble with university textbooks is that once you've read them and learnt from them, they just end up on the bookshelf gathering dust. Earn yourself a few extra quid by selling them to other students. Or save yourself money by buying them second-hand.

6. Get your electricity, gas and water cheaper.
Shopping around for good deals on essentials such as utilities and car insurance can save you hundreds of pounds each year. There are plenty of price comparison websites out there to help you switch to a cheaper utility supplier, but here's the only one exclusively for students.

7. Look and smell good for less.
We're in a recession. So fashion and health & beauty retailers are giving discounts on a wide variety of product including everything from ski wear to fake tans. You can find loads of discounts on health & beauty and fashion by searching for voucher codes online.

8. Reduce the cost of your weekly supermarket shop.
Have you noticed how expensive your supermarket shop is these days? So, take advantage of all those money-off vouchers supermarkets offer and bring the cost of your weekly food shop down. Supermarkets try to undercut each other all the time. So shop around online for deals before you go out shopping.

9. Get your gadgets and broadband for less.
If you love gadgets such as iPods and mobile phones or just need to get a laptop to write your assignments on, you can save pounds on electrical goodies. That's because broadband providers, PC makers and mobile phone networks operate in a highly competitive market. To get your business, they've got shed-loads of promotions. Take a look at what deals they've got to tempt you by going on the internet.

10. Blow less cash on entertainment.
Overspending on the stuff that's the most fun; it's easily done. You can snap up great nights out and in deals at a snip of the price by looking online.
By Mandy Collins, http://www.unitown.co.uk

How to Pay Off Your Student Loans Faster

Student loans don't have to be a financial burden for you after college life There are ways for you to reduce your study debts and pay them off faster.

One of the best solutions is consolidating your student debts. You can consolidate all your study loans during the grace period right after your graduation. You should start searching for the potential lenders in the market who can consolidate your student loans. Choose the financial institution which can offer you the lowest interest rate.  

Most students take student loans to further their study in college or university. The It is advised that when you are in college or university, you should not spend all your loans but to save as much as possible. You should take up a part time job to earn some money to pay off your study loan when you are still studying. You can also save the allowance that you earn from internship to pay off your study debt bit by bit.  

It is an important to bear in mind that you should not apply for any credit card once you graduate. Even if you have secured a job after the completion of your study. You better not to possess a credit card. Just focus on paying off your student debt. By this, you will be getting debt free faster and it will ease you from having stress too.

How Can Water Treatment Equipment Save You Money and Keep You Healthy

Three-fourths of the world we live in is made up of water, it is only understandable that proper precautions must be taken to assure the continued availability of our vastest and most precious natural resource. In this regard, many companies are now in the business of selling water treatment equipment designed to purify water and make it safe to use in any whole house water treatment.

When the word "equipment" comes up, most people immediately associate it with cost and instantly think it must be expensive. Water treatment equipment is no exception. Many companies acknowledge the fact that equipment for the treatment of water can indeed be a little over what many consider reasonably priced. However, this doesn't mean outright that a whole house water treatment is nothing but a scam to make opportunists filthy rich. The truth of the matter is that water treatment equipment can actually help you save more money than you think, especially in the long run. More importantly, it can keep you healthy and greatly improve your quality of life.

With a whole house water treatment, you can make sure that the water that runs through your entire house is clean. This is because the water treatment equipment you use has the ability to conduct a purification process that transforms dirty water into clean water. More than clean, your water actually becomes highly potable. In this case, you don't have to buy bottled water for drinking purposes. With a water filter or water softener, whichever you choose, you can drink your water straight up without having to worry about having an upset stomach afterwards because the whole house water treatment of your choice takes care of all the bacteria, viruses, fungi, algae, chemicals, and other contaminants that are harmful to your health. You can use the money - think hundreds of dollars in a year - meant to buy bottled water for other more practical and necessary expenses.

10 Dont's To Save Money For Wedding

Wedding Hall of my friend wedding, Melissa

1. Corporate sponsoring - Try incorporating the sponsors, using product placement, and advertising in your wedding vows. It's real easy and can earn you some big bucks. Try it now: "Samantha, I've loved you ever since the day we met at Mc Donald's, enjoying their new tasty Angus Burgers, on sale now for a limited time, only $2.99 if you use the coupons inside page 3 of your wedding programs."

2. Hint the Bride to Selling Her Wedding Dress or, for the more experienced grooms, sell the dress and never mention it. Hey, why do you even want to keep it? You're never going to get married again, are or you?

3. Pot luck - In this wedding saving money tip we challenge you to channel the spirit of your guests. Share in the conglomerate dishes of over 20 kinds of Mac and Cheese and endless varieties of Shake and Bake creations.

How To Save Money on Travel

Breeze taking at Simpang Mengayau "Tip of Borneo" , Kudat, Sabah MALAYSIA

Vacation to Bangkok, THAILAND 

Traveling for fun is a way to escape from all the crazy things happening in our life. What so ever the reason, be it travelling to relax, or to see something new, try out exotic dishes or meet new people, it costs a lot of money, especially international travel. Thus, travel have to be planned thoroughly. Here are some useful points to take into account when trying to travel on a budget:

1. Book early and save
Airlines usually offer low price for their seats during off-peak hours. One helpful tip to remember