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What to Expect in a New Car When You’re Expecting

Expecting a new addition to your family can bring all kinds of new financial stressors, especially when it’s your first time as a new parent. There are so many things to buy and factor in but one of the biggest financial implications you can potentially face is having to buy a new car. Why buy a new car when you’re expecting? Some of you may be asking yourselves, why buying a new car is even factored into the mix when expecting a new baby. If you’re not sure why, then count yourself lucky as you’ve probably already got a family friendly vehicle. Many expectant mothers and fathers will choose to buy a new vehicle during this time of life because they’re old car is too run down, potentially not safe enough for baby or simply just not big enough. This happens often as couples settle down and need to trade in a fun sports car for a more family friendly vehicle, or upgrade to a larger vehicle for more children. Safety first If you’ve decided to buy a new car for safety reasons or you simply need an upgrade before baby arrives, you should always consider safety first when buying … Read more

5 Key Guidelines to Save Money for Your Retirement

Retiring may seem a like a blessing, but living without an income can quickly become a nightmare, especially If you have no savings. Retirement doesn’t mean you are switching from the grinding gears of corporate machine to a life of leisure. It doesn’t mean your earning days have ended and you now live to spend your money. There are lots of do-over in life, but retirement is not one of them. Therefore, it’s imperative you make smart financial moves.  Today, we are sharing essential saving tips that will help you make smart financial decisions and lead a prosperous retired life. Not Saving Enough The only thing worse than not saving for retirement is not saving enough. Sometimes, people who save aren’t doing enough. Yes, you may struggle to make ends meet during retirement, but the issue remains we like to spend more than we earn. High spending during retirement is a sure way to financial trouble. You shouldn’t prioritize your present desires over your future’s needs.  So, once you sign up for a 401 (k), you need to find the ideal amount to contribute regularly. The employer may contribute up to 3 percent, but it’s better if you take control … Read more

How You Can Find A Low Mortgage Loan Rate

Buying a new house is an enjoyable prospect… the fact is that it is typically very costly. If you are like most people, then you are going to need to be lent to buy your new house, and you are gonna need to find the mortgage that has the cheapest mortgage loan rate that you can easily get. The good thing is, finding the least expensive mortgage loan rate does not have to be challenging; you just need to be patient and be able to check around and evaluate the different rate offers that you get. Here are some ways to help you in your quest, as well as a couple of things that you ought to bear in mind to avoid wasting as much money as you possibly can with your mortgage loan rate. Home Interest Rates Go Up and Down Common sense says that there is nothing certain with the exception of demise and taxes… the variation of interest rates ought to be added to that particular list. A few rates are deliberately increased or lowered at a national, local, or international level in order to fight rising cost of living or to induce the economic climate. Some … Read more

Compensated for Our Inconvenience!!!

Hi!  I will update all of you baby lovers about Baby BFS super soon (she’s just past 7 weeks old, wowza), but I had to pass along a money thing ASAP. Long story summarized, our sweet next door neighbors are having a pool installed.  We gave their pool company permission to shortcut through our back yard to dig the initial hole.  Crap happened. The First Screw Up On Day 1, the digging crew shredded our fiber optic internet/cable line with the sheer weight of the Bobcat hole-digger.  AT&T was way behind on appointments and couldn’t make it out to run a new line for us FOR 6 DAYS. The Second Screw Up Then, after those 6 days and only 4 hours after AT&T ran a new line for us, the pool company’s fencing crew re-installed the fence section and DROVE A NAIL THROUGH THE NEW LINE.  It was another 2 days before AT&T could make it out again. NO INTERNET That’s 8 days without the internet.  Our very apologetic (and truly thoughtful since I would not have come up with this idea) neighbors bought a WIFI extender so we could use their internet in the northwest corner of our house.  … Read more

Baby BFS Did Indeed Arrive!!!

So, our daughter was due around June 15.  BUT, she must have heard “you’re going on a low carb diet until she gets here” at our OBGYN appointment on June 6, because she quickly said “SCREW THAT!” My water broke June 7 evening, and 31.5 hours later, Baby BFS was pushed out early June 9!  She weighed in at 7 pounds 5 ounces and measured 19.5 inches.  😀 She had to be observed in NICU right off the bat but got their seal of approval by lunch the same day, woot! I don’t know what is worth sharing and what isn’t.  Every minute of that 31.5 hours seemed of the utmost importance to us, but I’m guessing that there are only bits and pieces that would be of real interest to anyone else.  Here were the most entertaining bits… It Doesn’t Just Happen in the Movies… In honor of my new low carb diet orders, Mr. BFS had made us a delicious dinner of grilled salmon, grilled zucchini spears, and pan cooked green beans with onions and garlic.  I had been feeling off all day and mentioned it while he was finishing making our meal, so he rushed off to … Read more

How To Save Money On Cloud Server Pricing Packages

Running a business requires managing a lot of different moving parts all at once. That is why choosing the right cloud server solution is so crucial. Of course, cloud server pricing can be quite prohibitive. The high costs of cloud server solutions can be quite limiting, particularly for a growing small business. However, despite the high costs of cloud server pricing, cloud computing can still save small businesses money. If you are a business owner, you will definitely experience the cost savings of cloud server solutions over time. But just in case you want to maximize cost savings as quickly as possible, you can learn simple cloud server management savings tips to enact at your business. Find out the best ways to save money on your cloud server pricing each month in the post below. Only Buy What You Need Only buy what you need when it comes to paying for thecloud server hosting price. Cloud solutions are highly customizable, just like sales forecasting software. So, there is never a reason to buy more than you use. Once you have an understanding of your business’s RAM and memory needs, you can use that information to pick the best cloud server … Read more

3 Reasons Why You May Owe Money to the IRS

With almost eight out of every 10 tax filings resulting in money back to the taxpayer, it’s normal to be disappointed when you owe money to the Internal Revenue Service (IRS). There are three main reasons why you might owe money: You have withheld too little over the year, you had an increase in income, or you had a substantial one-time income event. Withholding Too Little Image via Flickr by John-Morgan One of the most common reasons you might owe the IRS money is for withholding too little out of your paycheck. This results in taking home too much pay, and when your taxes are calculated, you end up owing the IRS. This can occur when you experience a life event such as marriage or divorce. When you get married and file jointly, you might find yourself in a higher tax bracket, especially if you both make a similar income. If you get divorced, you also might land in a higher tax bracket if your spouse made less than you. Increase in Income There are a few ways your income might increase, with one of the most common being taking a job with higher pay or receiving a raise. Another … Read more