Sink or Swim

Well now that we are approaching the holiday season, we don’t have a choice but to go out and get the gifts before it’s too late. Until now, window shopping to get ideas and costs seemed to work just fine, but now the actual purchase has to be made. So instead of getting the same things you give each year, maybe it would be nicer to change things up and save some money by getting everyone unexpected gifts that you don’t mind giving.

There are many things one can consider unexpected, yet when you come to think of it, these gifts are actually more useful and appreciated in the long run. Instead of getting just one thing, give your loved ones a gift that keeps on giving for the entire year. Like an annual magazine subscription to their favorite magazine to an affordable auto insurance policy. Both can easily be found online and with a little research, you can get your loved ones a really good deal on car insurance from a company like 21st Century Insurance. read more »

A lot of couples go through the whole process of planning their wedding (well, the husband plans to show up, at least), go through with the entire ceremony and move in together, and they never even thought to talk about how they each individually see money in their own lives. Now it’s not like you have to whip out your W-2s on the third date or anything like that. But what you do need to do is talk straight with your partner about how you think about money and what you’ve done in the past. It doesn’t take a whole weekend, but it’s important.

read more »

A long-time friend visited the country but was too busy meeting relatives that she couldn’t give us a schedule to meet. This morning however, we got a call that she managed to keep her last weekend in October free. Which is why the gang immediately planned on a last-minute out of town trip. Thanks to cash advance, those who can’t join because of budget constraints will be able to come. After all, it’s like something like this happens all the time. We’re not sure if we could ever be complete like this again now that almost everyone is leaving the country to work somewhere else.

Trying to make ends meet in between one payday to another is a common occurrence to most households. We’ve all been there – unexpected purchases for the house or school, medical emergencies that are outside our health insurance plans, car repairs, last-minute trips and many more. No matter how good we are at budgeting, there are some things that we just have no control especially if we only have enough to work with.

For short term or quick funds, there’s always cash advance payday loan to help you get by. It doesn’t have to be just for emergency, the funds can be used on just about anything; purchase of high ticket items, a much-deserved vacation, pay off a huge chunk of credit card debt or even start a home-based business.

read more »

I heard from the radio about this guy who was lucky enough to find a very expensive timepiece in Central Park. It wasn’t anything like Chopard or Patek Philippe but still pricey enough that you can afford one or two months rent in Manhattan. I didn’t catch whether he left it at the park’s Lost and Found or kept it for himself. All I know is that if it was me, I wouldn’t be so careless in wearing a pricey item. I’d probably go crazy if I lose something as expensive as that (if I can even afford to buy one) so I might as well not indulge on luxury items unless I’m rich enough that $20,000+ is no big deal to me.

Ever since we bought a life insurance for me and my husband, I just feel so secure and confident that our daughter will be fine if something happens to us. That was five years ago and now that we’ve finished paying both our policies, we are thinking of getting another one now that a new baby is on the way. After a couple of computations, we decided we can afford it without having to give up one of our little pleasures such as semi-annual trips and occasional splurge on gadgets and electronics. And even if we do have to give up some (not all) of them, it’s totally fine because being prepared for the future is much important.

Finally, I’m done comparing one life insurance rate to another from all the previous quotes that we received last week. I wasn’t planning on getting a new plan but decided my benefit is not enough anymore considering the new addition in the family. Aside from that, we need to start planning for an educational plan for the baby just like the one with my firstborn. And here I was feeling so unburdened when we paid the last of our insurances last month only to start anew. It’s okay though because before we know it, we’re done paying. Plus it’s better to do them now while the kids are young. Soon they’ll go to big schools and our expenses will be twice or three times higher, no doubt about that.

I’ve been checking out the US Gold Bureaue website for months now because I’m really interested to buy gold coins. With the continuous drop of US dollars, we need to consider diversifying our investments. I checked the rates of both gold coins and bullions and although I don’t think we can afford the rare coins just yet, I’m happy to note that we can buy a mixture of Gold American Eagles, Silver coins and even platinum. According to their fAQ, it’s important to buy a mixture of precious metals to protect yourself from risks.

I believe gold is the safest way to protect your family’s wealth. Unlike paper and stocks, it is indestructible whether it’s melted, cooled or smashed. Plus if you look at the records, gold has proved to be a very successful method of preserving value when national currency fails.