6 Ways of Improving Your Lottery Odds

Multicolored lottery or bingo balls
A retirement or savings plan based on winning the lottery isn’t actually a plan — it’s a wish. There are much smarter things to do with your hard earned cash. We all know this. Yet many of us still buy numbers and scratchers, for the thrill, for the dream. If you just can’t resist, take a moment to slightly improve your odds. Just promise that if you win with any of these lottery hacks, you’ll share your winnings with me. It’s only fair.

1. Pick your own numbers. Richard Lustig, seven-time lottery winner whose total earnings amount to more than $1 million, claims that one foolproof way to increase your chances of cashing in is to pick your own numbers rather than allowing the system do a quick pick for you. In an interview with CBS News a couple years ago, he said, “The lazy way out is to buy quick-picks. The computer picks out the numbers. Don’t play quick-picks. Quick-picks are the worst thing you can do, you are playing with the worst odds.”

Instead, choose your numbers, research them to make

Avoid These 5 Common Holiday Budget Pitfalls

Woman holding money and a red purse
According to a recent survey from the National Retail Federation, holiday shoppers are planning to spend an average of $805 on gifts this holiday season. The same survey found that shoppers plan to spend an average of $463 on family members. That’s the highest this figure has ever been.

To make sure that you don’t overspend this year — no matter your target number — be sure to create a holiday spending budget. That way, you’re far less likely to find an unpleasant surprise when that credit card bill shows up in January.

Here are five things you shouldn’t do when planning your holiday shopping budget.

1. Don’t Let Guilt Break Your Budget

Maybe your sister-in-law buys your kids three gifts each. This doesn’t mean that you have to do the same for hers. If your budget calls for just one gift for your in-laws’ kids, stick to it. It’s easy to let guilt lead you to overspending during the holidays. But don’t feel like a scrooge because you aren’t spending as

Smart Ways to Spend the End of Daylight Saving Time

bakDaylight saving time ends at 2 a.m. Sunday, giving back the hour that seemingly was taken from us in the spring.

For most of us, it’s time to fall back this weekend. In addition to moving the clocks in your house back one hour before you go to bed Saturday night, use the end of daylight saving time as a reminder to check a few things around the house. After all, you’re gaining an hour, why not put it to productive use?

Here’s how to allocate your extra hour to get the most peace of mind, and bang, for your buck.

1. Smoke detectors: 10 minutes. The most important batteries in your house are those that power your smoke and carbon monoxide detectors. Even if they appear to be OK, replace them. But if those batteries are still good (because you changed them when daylight saving time began March 8, they probably are), don’t toss them, save them for less critical household items like flashlights and TV remotes.

Did you know smoke detectors also expire? Check yours for an expiration date. If it’s past its useful life, replace it. And speaking of fires …

2. Home inventory:

Get the Problem with the Educational Need? Do not worry!

Many people say that education is the primary need for every human living nowadays. If we do not get the education, we will not be able to develop ourselves. Through education, we will be able to learn how to develop ourselves, our thinking, our point of view, our actions, and many more. That is why in this case we can say that education is such a primary needs for everyone. When we get the good education, hopefully we will have the good life condition too.

In order to get the good education is not such a simple thing to do. There are many kinds of things that we should really consider. We need to have the strong motivation to learn so that we will really enjoy the process of the education. We also need to have the good financial. If you are in the condition in which you have to pay for your education and you are still in the difficult financial condition you can try to click www.loan-money-fast.com. Actually, choosing money loans for paying the educational fee is not recommended because you are expected to have the money savings first before you enroll yourself to

3 signs you need help with your debt

Meta tag: Worried that your debt is becoming unmanageable? If debt seems to be mounting up, you’re not alone, and there are ways you can confront it


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Many people find that borrowing money is a great way to bridge the gap before payday, or to buy a purchase which is quickly repaid when the funds come in. There is of course nothing wrong with this, and having a credit card has other benefits too – such as providing you with legal cover on your purchases. The problem is how out of hand the spending can become. Many people find themselves in overwhelming debt which they simply do not know how to re-pay. Here are some tell-tale signs that you are struggling with the debt you have, and what you could do about it:

#1 You can’t meet repayments

One sign that you are struggling with the debts you have is meeting the minimum repayments each month. By missing repayments, you are probably incurring extra fees and increasing interest. This only spirals out of hand even further the following month.

What can you do?

You could speak to your

Want to open a new Business? Here is the Solution!

Everyone cannot live without money for their living. We do believe that and we cannot avoid the fact that we will really need the money for our daily living. Do you need the money for your living? Well, all of people including us really need the money for our living. Without the money, as the ordinary people, we will not be able to survive in our life. Even for the smallest need in our life such as food, we will need to buy it by using the money.

Since money plays significant role for our life, we need to earn money in our life. By working hard, we will be able to earn money for our life. Of course, working here means you have to get a job and you need to show your hard work. By showing the good work, you will earn money from the salary that you get from your job. Indeed, getting a job for our life is not easy also. We need to show the good dedication for our job.

But somehow not all of people feel so comfortable with their own job. If you are such a person that does not feel so comfortable with your

5 succession plan tips for building a legacy for your family

The Greenville area includes some of the nation’s success stories. While household growth over the next five years is expected to be 5 percent, the number of millionaire households here is projected to increase at nearly five times that rate, 24 percent. However, a new U.S. Trust survey of wealthy Americans finds that poor planning – or even a lack of planning – by many of these affluent families is putting their wealth and income at risk.

One stereotype of wealth is that it’s inherited, but the opposite is usually true. Many of those who participated in the 2014 Insights on Wealth and Worth study are self-made business owners or senior corporate executives, including those with an entrepreneurial bent who are building the new companies seen in Greenville. They are deeply committed to their families, to their employees and to their communities.

While they sacrifice for their families and their communities, business owners often end up compromising in other areas. Many are not adequately planning for their own future or that of their business.

Business succession is a major challenge for the owners of many companies. More than three-quarters of those surveyed are the first generation to own their business, and two-thirds of

Organize Your Finances With These Helpful Tips

An out-of-control personal finance situation can destabilize your whole life. Below are some tips to help you improve your finances.

Your personal finance is very important. Make sure that you end up with more money then you started with. It is very common for people to overspend, and before they realize what is happening they end up with a mountain of debt. So make sure you are bringing in more than you are taking out.

Be aware of IRS income tax deadlines. You should aim to file as early as possible in order to get your refund faster if you think you will be getting one. If you owe the IRS money, file as close to April 15th as possible.

College education can be very expensive, academic scholarships can be a huge help in financing your education. Academic scholarships are awarded for excelling in school. Those who receive academic scholarships had an acceptable GPA, excelled in their studies, and the college would like that individual to continue studying at their school.

Home equity loans are tempting but dangerous. If you miss a payment on a home equity loan, you could lose your home. Make sure that you can afford the monthly payments and that

Financial tips for stay at home moms

If you’re a stay-at-home mom, anxious about your financial future and fearful that your spouse’s once hefty paycheck may at some point significantly decrease, check out these sound financial tips to help you keep your family’s finances on track in spite of the rocky economy.

As the American economy continues to nosedive on a daily basis and unemployment numbers increasingly rise, many stay-at-home moms are succumbing to the pressure to reign in their family’s spending habits and get the biggest bang for their buck.

1. Plan for a pink slip – even if you’re sure your spouse won’t get one

According to Lynnette Khalfani-Cox, a personal finance expert and the author of Zero Debt: The Ultimate Guide to Financial Freedom, while your family may currently be able to get by on just your spouse’s income, you must think about how you would fare if he lost his job. Avoid potential money battles by establishing a budget together, eliminating debt, and building up an emergency cash cushion. You’ll never regret being prepared for a “worst case” scenario.

2. Open at least one credit card in your own name

Ms. Khalfani-Cox notes that many stay-at-home moms make the mistake of allowing all the family’s credit to be

Finance Tips

There are many techniques of credit card relief available to debt ridden people these days. This has only made choosing one suitable way of being debt free even more complex. In turn it has made taking advice on debt relief inevitable for most of the people under debts. The advice on credit consolidating can be had from any person who has gone through credit consolidation process or for better results take the advice from professionals of the field whom you can find online.

Beware that Internet is considered as the best friend of man in this fast changing world. Whenever man is confused to make a correct decision, he does count on World Wide Web. Man taking a number of loans is a common phenomenon in the present day context. Everything goes hand in hand when you adhere to your monthly payment of loan regularly. The problem starts when you default in making repayment and the wise decision is to look for debt relief. Online credit card consolidation is a friendly approach to your entire debt problem.

There are many ways for credit relief. You can use credit cards if you have a good credit rating as you will get a much

7 Financial Tips Every College Student Should Know

College is an exciting time, but it’s also an expensive time. With the average debt for graduating seniors hovering around $29,000 (according to CNN), every incoming freshman should be taking a crash course in College Finances 101.

So before you hit the books, study up on these seven essential tips to get a handle on your finances and get the most out of your college experience, for the lowest cost possible.

  1. Know Your Financial Aid Options

Most students need some kind of financial aid to help pay for their education. The key is in making the most of the options available to you.

In addition to university-specific scholarships, research whether you qualify for other funding thanks to hobbies you pursue, the major you’re going into, and organizations you and your parents belong to. There are scholarships and grants out there for more than you might realize, and the more you can avoid borrowing to fund your education, the better.

If you do wind up having to borrow, moderation is key. Research your options, from federal loans to state tuition assistance programs to private loans, and make sure you’re clear on the terms of payment so you know exactly what you’re getting yourself into. Only borrow the bare-minimum

Ten financial management tips for tough times

Business Partners Limited data gathered over years of working with South Africa’s business owners tell a fascinating story about business survival.

Figures compiled by Business Partners Limited regional general manager Anton Roelofse show that 34% of businesses failures are caused by poor financial management. Add to that the 12% that fail because of poor record keeping, and it becomes clear that almost half of all business failures could have been avoided had the business owners done something to improve their financial management. In contrast, only 12% of business failures are caused by bad economic conditions. If ever there was a succinct and powerful argument for focussing on your financial management, this is it.

Here are ten ways in which you can survive the tough year ahead through better financial management:

Limit your capital expenditure

It is very easy to over-extend in a weak economy. One can safely say that when a business expands, for example by opening up a new branch, the owner will underestimate the operational difficulty and the cost. When that happens in an economic slump, the results can be fatal. The danger is even higher if you extend into unfamiliar markets or industry. As a general rule, don’t try to expand

5 Money Tips for Setting Up Your Family Finances

Look for ways to save each month.

Put some money back in your pocket and eliminate the excess money that you pay in unwanted services. The start of a new year is a good time to take stock of your money inflows and, most importantly, outflows. Take an inventory of all the recurring bills you pay each month. Be sure to look at those recurring charges that hit your credit cards. Those often go unnoticed and can rack up an extra couple hundred dollars a month. Online services like Mint.com and MoneyStream.com can help you track your spending by connecting to your accounts and automatically finding your recurring bills and income. They do the dirty work for you and then organize it all in a calendar for you to view and manage.

Save for College.

Contributions to 529 plans are tax deductible in the year they are made on many state returns. Some companies are now offering matching contributions to employees 529 plans. Inquire if yours offers this, and if not, suggest they do! UPromise helps you earn cash back toward college expenses when you shop at participating retailers. Right now they have 10,000 restaurants, 21,000 grocery and drug stores, and 950 online stores participating, such as Sears, Best Buy, Target, etc. The cash rewards can be

How Volunteering Can Save You Money

If you’re like many of us, your New Year’s resolutions might look something like this: get healthy, lose weight, save money, travel more, find a new job or make new friends. In fact, there’s one way you can accomplish many of these things, often at once: by volunteering.

Volunteering your time, whether it’s in your community, your workplace or somewhere far across the world, is a wonderful way to give back. Volunteering is especially smart when it’s not in your budget to make a donation. Besides helping to better the lives of others, volunteering can have a lot of unexpected benefits on your own life, as well. Here are a few reasons, besides the obvious, why you might want to donate your time this year:

You can skip the gym:

Many volunteer opportunities require some physical activity. Becoming a committed volunteer could mean you’re regularly burning calories and working fitness into your lifestyle. A few examples include shoveling snow and raking leaves for the injured or elderly; working in a soup kitchen lifting boxes and serving the hungry; helping build and repair homes; walking dogs; community gardening and weed clean-up; or playing with kids in need of a role model and mentor. Consider

7 Financial Blunders You Should Avoid in Marriage

That is, if all goes well. And many times, it doesn’t.

There are many issues married couples must deal with that singles don’t experience — and they aren’t simple issues to solve, either.

Think about it. When you want to buy that new car you’ve been eyeing since the fourth grade, you remember and think to yourself, “Oh yeah, I’m married. I just can’t go out and buy a car!” At least, if you’re an experienced married person, you won’t make the mistake of purchasing something big without talking with your spouse first. And that, can be complicated. Convincing your spouse isn’t always the easiest thing to do.

When you slip that ring onto their finger, it’s no longer all about “me,” it’s all about “we.” Unfortunately, many newlyweds aren’t truly ready for that level of commitment. So they learn as they go.

Whether you’re learning as you go, you’re doing well or you’re preparing for marriage, make sure you avoid these financial blunders in marriage.

1. Not creating and sticking to a budget. If you hear the word “budget” and cringe, don’t worry, you’re not alone. In fact, I hate budgeting. Why do I hate budgeting? It’s usually pretty boring.

Still, if you’re married, it’s

10 Things Millennials Should Do to Reach the Next Financial Level

Millennials have had a rough road when it comes to money. Not only did they come of age during the Great Recession, which made jobs scarce and benefits even scarcer, but many saw their parents lose big time in the stock or real estate markets, which scared them off of making their own investments. Still, there’s no more time for excuses, because millennials are all grown up and taking on increasing amounts of responsibility. From mortgages and parenthood to caring for aging parents, millennials are facing big financial milestones, whether they’re ready or not.

According to Bank of America’s Year-End Millennial Snapshot, which analyzed 2015 data from over 3,500 millennials, this young cohort of 20- and early 30-somethings continues to struggle financially: a tough job market, hesitancy to invest and student loans are just a few of the challenges in their way to prosperity. Still, the data suggest they are firmly committed to achieving financial independence one day. About half of millennials said the Great Recession changed the way they think about saving, investing and spending, with 40 percent saying they are more reluctant to invest in the stock market and 36 percent saying they are

How to Save Money on Thanksgiving Dinner

Whether your Thanksgiving plans include hitting the stores early or intentionally boycotting “Black Thursday” sales, most Americans have at least one thing in common on Turkey Day: the preparation of an epic meal. This year, some unwelcome news is wafting into households: According to the Department of Agriculture, the price of turkey will increase as much as 19 percent, or to a $1.36 a pound, thanks to the avian flu that’s impacted poultry prices all year.

Despite the turkey shortage, early sale prices are similar to what they were last year, with King Soopers currently offering USDA Grade A frozen turkeys for 69 cents a pound.

Still, finding the best deals on holiday dinner fare can be complex, depending on your menu and how many people you’re feeding. To help control the cost of your Thanksgiving dinner, I consulted the thriftiest grocery shopper I know: my mother-in-law Connie Perez.
Raised by small business owners in the small town of Silver City, New Mexico, Perez’s frugality and skills in the kitchen were cultivated at a young age. “Growing up in a family of seven, we had to be frugal,” Perez says. “My parents were on a limited income when I was a small

10 Infamous ‘Last Words’ of Personal Finance

Managing your finances can be confusing. You might hear all sorts of advice that seems prudent. And you might assume that you’re taking the right approach by acting on this advice.

But what seems like a smart course of action might actually jeopardize your financial security. Here are 10 personal finance statements that financial experts have heard at least once from clients or others that weren’t wise moves.

1. ‘I want to cash out my IRA and buy a new truck.’

Jeff Rose, a certified financial planner and founder of Alliance Wealth Management, said a client once said he wanted to use the money in his IRA to buy a new fully loaded GMC Denali. It might have seemed like a good idea to Rose’s client because he would be using his own money rather than borrowing to make the purchase. But there’s a high price to tapping an IRA before retirement.

“When I explained to him the taxes he would be paying by cashing out his retirement account were almost half of what the truck’s sticker price was, he back pedaled a bit,” Rose said. IRA withdrawals are treated as taxable income and subject to an additional 10 percent early withdrawal penalty if

5 Raleigh-based Startups That Emerged This Century

Apart from the Bay Area and its expansive Silicon Valley – unquestionably the most fertile ground for startups in the United States – the most auspicious place to start a new business, particularly in the tech industry, is Raleigh, North Carolina. According to an extensive report that evaluated local talent, access to capital, tech salaries and numbers of educated workers, Raleigh beat out other startup hot spots such as Denver, San Diego and Austin to claim the top non-Silicon Valley position.

Raleigh is the epicenter of a North Carolina region dubbed Research Triangle. The name comes from the triangle formed by Raleigh, Durham and Chapel Hill, each city housing a world-class research university – respectively, North Carolina State University, Duke University and the University of North Carolina. The presence of these schools, and the tendency of their students to stay local after graduation, provides local businesses, including startups, with an abundance of educated and talented workers. Among U.S. cities with greater than 100,000 residents, only Ann Arbor, Michigan features a more educated populace than Raleigh.

The city offers myriad advantages beyond human capital. Taxes are low, especially compared to California, and wages are strong when the area’s affordable cost of living is

Avoid These 10 Retail Scams That Target Holiday Shoppers

While you shop for gifts for your friends and family members this holiday shopping season, don’t fall victim to the schemes that retailers use to take advantage of your holiday spirit and eagerness to get a good deal. Learn the most popular retail tricks and why they often work so you can avoid or overcome them this holiday season.

1. They Relax You With Carefully Chosen Music

Think of how noise around you often affects your mood. Head into a store with loud, disruptive music or yelling, and you’ll likely want to get your shopping done and get out of there as soon as possible.

But research reported by the American Psychological Association and European Journal of Scientific Research shows that when you go into a store with relaxing music, you are much more likely to spend more time in the store. Spending more time in a store can lead to spending more money before you leave.

Shoppers who hear classical music while shopping, for example, might spend more money than they planned because classical music is connected to the perception of affluence, reported U.S. News. This tactic is used more frequently during the holiday season, according to retail specialist Mari Corella, who has

7 Ways to Save on Health Insurance

Health insurance costs are creeping ever higher. The Kaiser Family Foundation reports that average premiums will rise 5.1 percent in 2016 for the lowest-cost marketplace silver plans available to a 40-year-old nonsmoker earning $30,000 a year in 14 major cities. The increase will be lower for people with tax credits, but could still represent a significant jump in the monthly bill.

While there aren’t as many clear discounts for health insurance as there are for auto and renters insurance, there are ways to save. Here are seven tactics that can lower health insurance costs.

Increase the deductible. Health insurance premiums correspond to the plan’s deductible; that is, the total amount you must pay for care before insurance kicks in. Increasing the deductible can be risky — in a serious emergency the amount due can climb quickly, leaving you on the hook for hefty out-of-pocket expenses. Still, this might be a reasonable choice if you’re not concerned about the cost of routine care (which counts towards the deductible) and have funds set aside to cover a major illness or emergencies.

Choose an insurer with phone-in consultation. For someone who is generally healthy, a plan with a high deductible and