Just Coffee

At the end of the day…

Mon, 16 Apr 2012 00:28:22 -0500

Many Americans who planned to retire within the next five to ten years are unhappy to find that their long-term savings, their nest egg, falls short of what is needed to retire when and as comfortably as planned. They are finding that their nest egg is not sufficient to secure a steady stream of income during their retirement years. And women are especially vulnerable. According to a recent GE Center for Financial Learning, most respondents underestimated the life expectancy of a -year-old today by five years or more. In fact, only of those surveyed knew that the average -year old today has a life expectancy over years of age. However, women tend to live longer than the average.The Administration on Aging reports that in , women accounted for nearly percent of the population age and older, and percent of the population and older. In fact, because women tend to outlive their husbands, women are less likely to be able to stay at home and so are twice as l...

Credit Fraud Secrets Thieves Don't Want You To Know

Sun, 08 Apr 2012 08:27:10 -0500

Have you ever been a victim of credit card fraud? If so, youknow just how traumatic it can be. What's more, if you don'tdetected it early enough, it could leave bad marks on yourcredit report that could haunt you for many years. The mostcommonly thought of credit card fraud is when your wallet orpurse is stolen, and the thief uses your credit cards to makeunauthorized purchases. But, with the increasing rate of online buying, another form ofcredit card fraud--known as misappropriation--is spreading likewildfire. These days the only thing a thief needs to createhavoc on your credit life is your credit card number--not youractual card. Here are just a few ways that this type of fraud can happen toyou: One day your telephone rings, you answer and the person on theother end of the line tells you that they have a one timespecial offer, good for today only--and that you simply need toprovide them with your credit card number to make a purchase.STOP! Don't ever give out yo...

Using Your Credit Card While On Vacation

Sat, 07 Apr 2012 00:22:29 -0500

Aiming to save money on our credit cards should be somethingthat we all should be doing. This can be done by switching yourcredit card to one that has a interest free offer on balancetransfers and purchases, or simply playing a credit card gamesuch as "stoozing". The term stoozing is used to describe thepractice of using the credit limit you receive on a credit cardto make money by transferring the balance to high interestsavings account.It can be so much simpler to save money without having to gothrough all of these games and switching from one credit cardissuer to the next. Many people while on holiday use theircredit card to either make purchases or to withdraw cash from anATM. This is one credit card usage you should always avoid.Your credit card will incur a load of different charges when itis used abroad, which will be adding up on the bill when youreturn from your trip. Many of these charges you will not evenbe aware of, as many of us do not even realise that ...

Using Your Credit Card While On Vacation

Wed, 04 Apr 2012 00:03:40 -0500

Protect Your Identity This Holiday Season

Tue, 27 Mar 2012 00:18:52 -0500

With the holiday spending season fast approaching, it's crucialthat you understand the dangers of identity theft. Though manyof the methods thieves use to steal identities are out of ourcontrol, there are many measures you can take to protectyourself from the threats identity thieves pose.Protect Your Credit Card Number From Prying EyesWhen making purchases with your credit or debit card, make surethat only the last digits of your card number are shown on thereceipt. The first digits should be unknown, and are usuallyreplaced by Xs. If they aren't, by law you are permitted to markout the first digits on the merchants copy with a pen. It is especially important that you check your credit cardreceipt at restaurants. Don't leave the restaurant's copy on thetable after your meal if all digits are shown. It's best tocross out the first digits and personally hand the receipt tothe wait staff. Otherwise, you risk an identity thief walkingaway with your name, acco...

Protect yourselves against fraud

Thu, 22 Mar 2012 09:07:20 -0500

By: CCN.com As with every financial instrument, there are credit cardrelated frauds too. There are thieves who scan through trash togain access to credit account related information and then useit for their benefit. Once in a while there could be atreacherous person at the till of a store or at the paymentcounter of a local restaurant. Even simply, your card could getstolen and put to fraudulent use.Whatever the possible ways of fraud is, we are just concernedwith ensuring that we have all the guards in place so as tominimize the possibility of fraud occurring with us. Such safeguards are generally provided by all credit card companies asinstructions to new card holders. Let's take a snapshot of whatthe most recommended safeguards are:Always sign at the back of your credit card, as soon as youreceive it. This is an explicit instruction from credit cardcompanies to all card holders and is an important means ofestablishing identity. Keep the details about your credit car...

Grocery Coupon Info You Need

Wed, 21 Mar 2012 09:33:29 -0500

Now more than ever it's time for folks to invest some effort inusing grocery coupons to save money.As gasoline prices rise and salaries stay the same if you'renot getting laid off that is, your budget needs some breathingroom and that's often found in the grocery budget.Next to the car payment, mortgage and utility bill, the grocerybill is the biggest. Besides, you can't take a coupon down tothe power company. They'd rather see you freeze!And last I checked the bank ain't taking coupons either.But your grocery store will always honor a legitimatemanufacturer's coupon because that means money in theirpocket... and good will from you, especially if they give youdouble or triple your grocery coupon value. Sadly when you go looking for GREAT Grocery Coupon information,most of what you end up with is JUNK.Sure, we've all seen those free coupons for dinner at some fancychain restaurant like Olive Garden or Chili's.Maybe you've even tried them like I have.After you've said...

Tips on how to save money

Tue, 20 Mar 2012 07:52:02 -0500

Money is an essential element in every body's life. It is theone that we exchange to get all the necessary things in life.And that is exactly the reason why we work all day and sometimesnight. Since the flow of money in one's life is not uniform, itis only prudent to save some money for the crunch days.Economics permits one to spend hisher money in any amount asheshe wishes. But how rationally one could plan so as tomaintain a minimum level of backup in any given day is directlylinked with hisher ability to save. In daily life, even if we know that we are spending money to buythings we need, most of us tend to over see the fact that morethan of the spending is for purposes that are quiteunnecessary or those expenditures can be avoided withoutaffecting one's basic life style. Exactly this is the point fromwhere one should start thinking of saving money. Distinguish between and clearly understand your needs and wants.Needs are those things one require to sustain hi...

Cheap Houses For Sale

Mon, 19 Mar 2012 01:13:17 -0500

We found cheap houses for sale all over the country. My wife Anaand I were on a seven-week drive around the country. It was avacation, but we looked at houses too, and bought one in a greatlittle town in the mountains of western Montana. It cost,, and after to fix it up, we lived there forseveral months before selling it for ,.We loved Anaconda. Where else can you fly fish, go to athree-dollar movie in a beautiful old art-deco theatre the thmost beautiful in the country, according to the Smithsonian,drop some nickles in a slot machine, eat at a fine restaurant,stop by the bar for a dollar beer, and buy a house for under, - all within a four block area! There are good schoolsand churches, a library with fast internet service, and wildlifeincluding bears a few hundred yards from downtown.Why Are There Cheap Houses For Sale?There are cheap houses in Anaconda, and nearby Butte becausethere aren't many good jobs. I easily found jobs in Anaconda -...

Measure It First, Then You Can Manage It

Sat, 17 Mar 2012 00:03:41 -0500

If you can't measure it, you can't manage it. Companies may beable to survive for a while if managers aren't using data tomake decisions, but they will eventually see their demise;likely sooner than later. Those companies to benchmark off arethe ones who are not only surviving, but thriving! Pick yourfavorite phrase: TQM, Process Management, Quality Circles,Improvement Teams, Standards and Measurement departments or anyother title you prefer. The function is the same. Look atbaseline data - percentages, dollars, hours, quantities - andcontinuously monitor the performance.There should not be any task that a supervisor or staff membersperform that cannot be measured. If you can't measure it, youcan't manage it. Take a fast food restaurant for example. Thereare a plethora of areas that can be measured such as dayswithout an accident, customer wait time in line, length of timeburgers are in the warmer, amount of money off in the drawers,customer complaints, etc. Graph it ou...

The Basic Rules for Finding Business Investors

Thu, 08 Mar 2012 06:17:05 -0600

The Basic Rules for Finding Business Investors By William CateWhen it comes to finding business capital, most entrepreneursspend most of their time wasting their time seeking the wronginvestor, making the wrong offers or making offers that won'tresult in the needed financing. Here are nine rules that will help you find the money yourcompany needs to grow.. Define Your Target Market. Everyone isn't interested ininvesting in your company. Develop a profile of potentialinvestors in your company. Angel investors rarely invest inbusinesses more than fifty miles away from their homes. VentureCapitalists won't invest in local businesses.. Have a Concise and Defensible Business Plan. Your businessplan should be focused on your Target Market. It must ring true!It must show your commitment to your company's success. A badlywritten business plan may not render your investment opportunityabsolutely unfundable. After all, someone might see the geniusbehind the clutter. However, ...

Your Credit Card Payment Is Rising

Wed, 07 Mar 2012 08:04:38 -0600

Did you know your minimum credit card payment is rising? A newgovernment program working to get Americans out of credit carddebt is pushing credit card issuers to raise minimum monthlypayments. Will you be able to make the higher monthly payment?Here are some tips for getting by. by Joel WalshIf you're an American, your minimum monthly credit card paymentmay soon be doubling. If you're only paying the minimums now,you'll have to be careful to adjust your budgeting to pay more.Who's Raising Your Monthly Minimum Credit Card Payment?Whose idea was it to increase credit card minimum monthlypayments? The Office of the Comptroller of the Currency, abureau of the U.S. Treasury Department that has become more andmore involved with reigning in the abuses of credit cardcompanies. Yes, this credit card minimum payment increase wasthought up by people trying to help you. Who will be raisingtheir monthly minimums? So far, some of the largest credit cardissuers have agreed to the n...

Your Credit Card Payment Is Rising

Fri, 24 Feb 2012 08:23:31 -0600

Summary: Did you know your minimum credit card payment isrising? A new government program working to get Americans out ofcredit card debt is pushing credit card issuers to raise minimummonthly payments. Will you be able to make the higher monthlypayment? Here are some tips for getting by.If you're an American, your minimum monthly credit card paymentmay soon be doubling. If you're only paying the minimums now,you'll have to be careful to adjust your budgeting to pay more. Who's Raising Your Monthly Minimum Credit Card Payment?Whose idea was it to increase credit card minimum monthlypayments? The Office of the Comptroller of the Currency, abureau of the U.S. Treasury Department that has become more andmore involved with reigning in the abuses of credit cardcompanies. Yes, this credit card minimum payment increase wasthought up by people trying to help you.Who will be raising their monthly minimums? So far, some of thelargest credit card issuers have agreed to the new sta...

Retirement Party and Retirements Gifts--Recommendations for a Happy Evening

Tue, 07 Feb 2012 20:15:13 -0600

Whenever your colleagues as well as colleagues are heading off, it's always an issue. They've put in their own professions contributing to your working environment, now it's time for them to start working on the next levels of the lifestyles. It's a good time for those to give the actual retirees playing cards as well as tiny wedding party involving understanding and to give thanks to them for all their own efforts for your company. And there's absolutely no far better approach to commemorate your colleagues than to chuck them the Retirement Party .When you're planning to commemorate your colleague with a retirement party, it's far better to start planning a...