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There are no rules that are set in stone when it comes to tipping. However, our basic guide to tipping gratuity is, if you’re unsure if tipping is appropriate for the service performed, go with your gut instinct. Even if your neighbor doesn’t tip the newspaper delivery person, if you think he does a great job, then go ahead and include a tip with your payment. From: howtodothings.com Reduce or eliminate recurring bills. Paying for services that you can do without (I.e. gym memberships, cable or satellite bill)? Consider evaluating whether you really can reduce the bill or get rid of it altogether. From: mensplaybook.com Pay cash for everything. Why pay cash, you ask? Well, think about paying cash. There’s something psychological about giving up the greenbacks when making purchases. The sting is likely more evident than using a credit of debit card. From: mensplaybook.com When going though a divorce become committed to recording facts, figures and events. If you call to speak to your kids – log it. Record the date, the time, the duration and the basic theme of the conversation. Record any thoughts and observations that you had after the call. From: associatedcontent.com When tipping, if you received a coupon or gift certificate, how do you calculate the tip? Tipping is always based upon the normal price of the good or service. If you get a coupon for 20% off, then tip on the original price. From: findalink.net Having your money down on paper (or spreadsheet) really helps. It’s different than just randomly spending. By knowing where those dollars are going, you’ll have more control over your money. From: mensplaybook.com
From: Getting Older Stinks Never use your credit card on the Internet if you’re not on an SSL (secure) server. Many web sites mention whether they’re secure. If you can’t determine the security of a site, check for a closed padlock icon in the lower-left corner of your screen. (The icon will often stay unlocked until you’ve opened the order page.) From: bNet Tags: money Cars break down, pipes wear out and break, and kids get sick. Don’t forget to build an emergency fund to pay for these unexpected events. From: theDigeratiLife.com Tags: budgeting After figuring out how much you have to budget, you need to spend every dollar on paper and give it a purpose before it even makes it into your checking account. Your budget should go in the following order: Food, utilities, housing, transportation costs, clothing and health costs. From: theDigeratiLife.com Tags: money Deductibles on homeowners policies typically start at $250. By increasing your deductible to $500, you could save up to 12%. From: ourfamilyplace.com Tags: money When beginning a budget don’t budget for “the perfect month” and don’t use your monthly average over the past year. A budget should reflect what is happening currently. From: theDigeratiLife.com Try before you Buy: This goes a long way in helping to avoid the silly purchases of things you rarely or never use. Before you buy something, especially items with big price tags, borrow one, rent one or try one out before you plunk down the cash. From: ourfamilyplace.com Tags: money Don’t run your vehicles if you aren’t driving. It takes less fuel to restart your engine than to let it idle for 10 seconds. Also avoid long warm-ups. Instead, drive gently until your engine reaches operating temperature. From: mensfitness.com |
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13 Bankers: The Wall Street Takeover and the Next Financial Meltdown