Retirement Planning Consultant 11th St People save and invest to improve their quality of life. However, it is easy to make mistakes that can cause stress and cost you money. You can avoid those mistakes and keep your investment on track by outlining your financial goals. It is a common investment mistake for investors to have no idea why they are investing. So, you should ask yourself Why are you investing? Do you know why you are investing? What are you going to do with your money? What is most important in your life? Making money is not a good enough reason to invest. How do you see yourself spending your money in a year? Five years? Ten years? If you can clearly explain your goals, you have taken the first step toward making your own investment plan. With that in mind, write down your financial goal. One simple sentence is all you need. For example, you can write buy a home, pay for college, start a business, or retire as a millionaire! Next, write down the amount of money you think you will need to accomplish your goals. Don't worry about trying to fit in every little cost. You can always revisit your target later when you check your performance. Focus on your goal, and try to write down a target number. This number will be different depending on your goal. For example, maybe you're buying a $100,000 home, you may want to save $10,000 for a down payment. Maybe you need $5,000 to start a business or $50,000 to pay for college. If you don't have much money to invest, you can make up for it by investing over a long period of time. Finally, consider the importance of your investment goals. How important is your retirement, your kid's college tuition, or your down payment on a house? The importance of your investment will give you an idea of your risk level. Every investment has risks. You don't want to take too many risks. However, you need to take some risks to earn a reasonable return. Also consider the amount of time you will be invested. If you have more time to invest, you may be able to take risks and still catch up if you run into trouble. Ask yourself if you are ready to invest before you move on. Be honest with yourself. You may not need to invest your money. Would you be better off paying off your debt? Can you afford to just save your money rather than invest it? Make sure you can commit enough money and time to investing. It is important to stay motivated toward your goals and keep them in mind when you invest. Every investment decision you make should move you closer to your goals. You should be willing to learn, improve, and work toward your goals as you invest. If you can stay committed and keep that motivation toward your investment goals, you are much more likely to succeed! A. Michael Hayes, Jr You can learn more about how to achieve your financial goals at my website, Great-Mutual-Funds.com. Source by A. Michael Hayes Jr Tags:
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Fact Sheet: Key Outcomes of U.S. Priorities at the UN Human Rights Council's 33rd Session Fact Sheet Office of the Spokesperson Washington, DC October 4, 2016 Although the United States is not a voting member of the UN Human Rights Council this year taking a mandatory year off, while standing for election on October 28 for the 2017-2019 term it is sustaining robust engagement in the Council and working with countries from all regions to address urgent human rights situations and issues. At the Council's 33rd Session in Geneva from September 13-30, U.S. leadership proved critical to shaping the international community's response to these challenges. Burundi: The United States was a key sponsor of the EU-led resolution on Burundi, which passed 19Yes-7No with 21 Abstentions. The resolution establishes a Commission of Inquiry and highlights the findings of the final report of the UN Independent Investigation on Burundi released on September 20. Sudan, Somalia, and Central African Republic: The United States supported renewing the mandates of the Independent Experts on Sudan, Somalia, and Central African Republic. The Independent Experts will provide continued reporting on the human rights situations there as well as recommendations for technical assistance and capacity building. Syria: The United States was a main sponsor of the resolution that drew continued attention to the serious human rights situation in Syria. Yemen: The United States is pleased that the Council adopted a consensus resolution on Yemen, reaffirming the critically important role of OHCHR in helping establish the facts and circumstances of human rights violations and abuses and in advising on appropriate accountability measures. Political Participation and Safety of Journalists: The Council adopted two resolutions that address the curtailing of the enjoyment of freedoms of expression, association, and peaceful assembly around the world. The resolution on political participation, led by the Czech Republic, will provide draft guidelines on the implementation of the right to participate in public affairs as set out in Article 25 of the International Covenant on Civil and Political Rights. The resolution on safety of journalists impresses upon states the urgency of developing strategies to promote and protect a safe and enabling environment for journalists, free from harassment, intimidation, and violence. Indigenous issues: The United States co-sponsored resolutions on the rights of indigenous peoples; renewing the mandate of the Special Rapporteur on the Rights of Indigenous Peoples; and revising the mandate of the UN Expert Mechanism on the Rights of Indigenous Peoples (EMRIP). The EMRIP resolution changed the composition and functions of that body, enabling it to be more responsive to indigenous peoples' concerns. Cambodia and Venezuela: The United States joined efforts to heighten attention to the human rights situations in Cambodia and Venezuela. The United States read a joint statement, supported by 38 other countries, expressing concerns about impediments to the rights to freedom of opinion and expression, peaceful assembly, and freedom of association, as well as condemning the escalation of political tension in Cambodia. Paraguay, on behalf of 29 states including the United States, read a joint statement urging political dialogue and expressing concern for human rights and threats to democracy in Venezuela. Appointment of Special Procedures Mandate Holders: The United States welcomes the appointment of Vitit Muntarbhorn of Thailand as the first UN Independent Expert on Sexual Orientation and Gender Identity. In addition, we welcome the appointment of Asma Jahangir of Pakistan as the new Special Rapporteur on human rights in Iran, replacing Dr. Ahmed Shaheed of the Maldives, who will now take on the mandate of Special Rapporteur for Freedom of Religion or Belief. The Office of Website Management, Bureau of Public Affairs, manages this site as a portal for information from the U.S. State Department.External links to other Internet sites should not be construed as an endorsement of the views or privacy policies contained therein. Source link Personal Finance Advisor Carter Drive Middletown DE RELEVANCE: In recent years, the Oman economy has undergone a number of reforms, resulting in a more market-oriented economy. Particularly, the financial impetus extended by the Sultanate of Oman had signaled the beginning of a positive trend. The size of Oman industry is becoming much bigger and the expectations of various concerned parties are also increasing, which can be satisfied only by good Corporate Governance. The importance of good Corporate Governance has also been increasingly recognized by the industry for improving the firms' competitiveness, better corporate performance and better relationship with all stakeholders(1). In oman also the industries have obliged to reform their principles of Governance, for which, Oman companies will now be required to make more and more elaborate disclosures than have been making hitherto. This necessiates to adhere to the uniform and proper accounting standards, as the standards reduce discretion, discrepancy and enhances not only the degree of transparency in sharing of information with the parties concerned but also reinforces the broader role the directors need to play for achieving Corporate objectives in the midst of challenges and adversities. Here, the Corporate Governance is a voluntary, ethical code of business concerned with the morals, ethics, values, parameters, conduct and behavior of the company and its management. The corporate responsibility begins with the directors who are the mind and soul of a firm. The Board is expected to act as conscience-keeper of the corporate vision and mission, and devise the right type of systems for organizational effectiveness and satisfaction of stakeholders. Thus, the Corporate Governance is a system of accountability primarily directed towards the shareholders in addition to maximizing the shareholders' welfare(2), where the debate on disclosure/ transparency issues of Corporate Governance eventually centres around the proper accounting standards and their practices and issues, as the application of accounting standards give a lot of confidence to the corporate management and make the disclosure more effective and ensure the good Corporate Governance to promote a healthy investment climate. Thus, the study of practices of accounting standards is an important and relevant issue of good Corporate Governance in the present environment, as the standards are viewed as a technical response to call for better financial accounting and reporting; or as a reflection of a society's changing expectations of corporate behavior and a vehicle in social and political monitoring and control of the enterprise(3). STUDY: The old ways of selective and conservative reporting is yielding place to more transparent and voluntary disclosures, in tune with the changing times. There is no alternative to adopting by the corporate entities of new standards of accountability, where the accountability is largely a matter of disclosure, of transparency, of explaining a company's activities to those to whom the company has responsibilities(4) i.e. the disclosure in simple, understandable and comparable form, forms clearly the basis for accountability, which can be provided only if companies adopt uniform accounting policies and disclose adequate information about the accounting standards followed. Thus, accounting standards ensure the comprehensive disclosure of the corporate's accountability, which may be regarded as a prime issue and a pre requisite for good Corporate Governance. An examination of practices of accounting standards, and their issues in Oman industry may help to understand the existing practices of accounting standards, which in turn help in designing the effective standard practices so as to ensure good Corporate Governance leading to a healthy investment environment. In this context, an attempt is made here to examine the accounting standards and their practices in Oman, with a view to strengthen the accounting standards and improve their practices for good Corporate Governance. The data for the study are obtained from the annual reports (published during 2001-'02) of ten Omani companies of different nature, selected from the top companies in terms of assets. The sample consisted of 6 private and 4 public companies. The simple per centage method is used to analyze the data. The authenticity of the data is verified with the opinions of management, who are aware of the company affairs and Corporate Governance. The corporates' perceptions on the relevance of accounting standards for good Corporate Governance in the context of Oman are also examined. STANDARDS IN OMAN: In any country, the awareness and competitiveness among the corporates would be strengthened when they understand each other and compare their performance, for which the simple, understandable and comparable disclosure is an important instrument. The main objective of disclosure would be fulfilled and the utility of the disclosure towards good Corporate Governance would be improved when the disclosure is done on the basis of uniform and consistent accounting standards. Thus, the development and the practice of uniform accounting standards has become an essential ingredient of Corporate Governance and the various bodies have been contributing their wisdom to strengthen the standards to make the Corporate Governance more effective in the context of the changing corporate environment. The corporate management is also now feeling the pressure for reforming accounting practices and level of transparency emanating from alert lenders, regulatory agencies, financial analysts and above all, board of directors who realize that it is the quality of information which will determine how efficiently they have discharged their responsibilities towards the good Corporate Governance. In Oman, though the financial statements have been prepared in accordance with International Accounting standards issued by the International Accounting Standards Committee (IASC), interpretations issued by the Standing Interpretation Committee of the IASC and the requirements of the Commercial Companies Law of the Sultanate of Oman and the disclosure requirements set out in the rules for disclosure issued by the Capital Market Authority of the Sultanate of Oman, the disclosure is inadequate and is a negative phenomenon to a country which wishes to be strengthened further, because it cannot hope to tap the GDR market with inadequate financial disclosures, since the more transparent activities of a company governed by the proper accounting standards, the more accurately will its securities be valued(5). The International Accounting Standards followed in Oman industry are Presentation of Financial Statements (IAS 1); Inventories (IAS 2); Cash Flow Statements (IAS 7); Net Profit or Loss for the period (IAS 8); Fundamental Errors & Changes in Accounting policies (IAS 9); Events After the Balancesheet Date (IAS 10); Construction Contracts (IAS 11); Income Taxes (IAS 12); Segment Reporting (IAS 14); Effects of Changing Prices (IAS 15); Property, Plant and Equipment (IAS 16); Leases (IAS 17); Revenue (IAS 18); Employment Benefits (IAS 19); Accounting for Govt. Grants & Govt. Assistance (IAS 20); Effects of Changes in Foreign Exchange Rates (IAS 21); Business Combinations (IAS 22); Borrowing Costs (IAS 23); Related Party Disclosures (IAS 24); Retirement Benefit Plans (IAS 26); Consolidated Financial Statements (IAS 27); Investments in Associates (IAS 28), Hyperinflationary Economies (IAS 29); Banks & Similar Financial Institutions (IAS 30); Interests in Joint Ventures (IAS 31); Financial Instruments: Disclosure & Presentation (IAS 32); Earnings Per Share (IAS 33); Interim Financial Reporting (IAS 34); Discontinuing Operations (IAS 35); Impairment of Assets (IAS 36); Provisions, Contingent Liabilities & Assets (IAS 37); Intangible Assets (IAS 38); Financial Instruments: Recognition & Measurement (IAS 39); Investment Property (IAS 40); Agriculture (IAS 41). Though the Oman industry has been following all the International Accounting Standards, in practice, some of them are not free from criticism due to certain inherent weaknesses. The practices of these standards in the Oman industries and the gaps are discussed in what follows with a view to strengthen them for ensuring the good Corporate Governance. PRACTICES: The primary and secondary data collected from the select companies are carefully examined to find the extent of compliance with the accounting standards and issues in corporate practices. Some of the important findings are as follows: i) Perceptions on the relevance of Accounting Standards for Corporate Governance: Except one sample of private companies which has not disclosed its opinion, all others (90% of the sample) have expressed the accounting standards as more relevant for Corporate Governance. ii) Practices of Accounting Policies Disclosed in Annual Reports: The majority of the sample companies (80%) disclosed twenty to twenty five policies and the remaining is equally distributed between less than twenty and more than twenty five standards disclosed by the select companies. All the select public limited companies have complied with twenty to twenty five accounting standards. iii) Practices of Inventory Valuation: The sample companies have adopted either the lower of cost or net realisable value or moving average methods for the inventory valuation. iv) Practices of Preparation of Cash Flow Statement: All the select companies have presented cash flow and changes in equity statements. v) Corporate Practices of Depreciation: The study revealed that the majority of the sample companies (90%) have followed straight line method for the computation of depreciation and the remaining followed diminishing value method. Further examination revealed that all sample public companies followed the straight line method of depreciation. vi) Practices of Construction Contracts: The sample consists of one construction company, which has followed per cent of completion method. vii) Practices of Research & Development: None of the select companies has disclosed the expenditure on research and development. viii) Practices of other Standards: The study revealed that the accounting practices related to fundamental errors and changes, effects of changing prices, business combinations, hyperinflationary economies, financial statements of banks and similar financial institutions and agriculture were not disclosed by any of the select companies as the companies are not concerned with such activities. From the analyses of practices and general discussions, some of prime issues of accounting standards in the context of Oman are identified and presented here under in brief. ISSUES: i) Disclosure of Accounting Policies is followed by most of the sample companies, since it is mandatory. The items stated under accounting policies or notes are more or less same in all the concerns selected for the study, but the treatment of some items were not similar to the other concerns. The requirement of the disclosure standard is only to disclose the material facts, what is the material or immaterial it would be decided by the organization, where the influence of personal judgement is expected in the absence of concrete guidelines. Therefore, the existence of the standard is doubtful. ii) In few accounting standards, such as, valuation of inventories and depreciation accounting, the alternative accounting treatment is allowed. This kind of flexibility creates problems in judging the quality and reliability of financial statements of an enterprise and the different methods are followed for different companies or for different periods, the possibility of inter-unit, intra-industry or inter-period comparison is impaired. The lack of comparability renders the financial information less useful and creates confusion in the minds of the investing public. iii) In case of construction contracts, the standard provides for adoption of either completed contract method or percentage of completion method for recognition of profit on completed contract, which attracts the same limitation of comparability. iv) The hybrid method of accounting i.e. accounting for income on cash basis and expenditure on accrual (mercantile basis), followed by corporates, conveniently allows them to manipulate their reports. v) The standards setting process is closed and narrow and the execution is unsound , that causes the various practices and imperfect disclosure, which defeats the prime objective of accounting standards in achieving the good Corporate Governance. vi) The adoption of IAS in toto without looking into their relevance in the context of Oman industrial environment, lacks the focus on the domestic problems and indigenisation. The following suggestion are made on the basis of discussions with the corporates to solve the above issues and to improve the utility of accounting standards for ensuring good Corporate Governance. SUGGESTIONS: i) The most important suggestion for strengthening the accounting standards to improve the quality reporting thus Corporate Governance values, is focusing on the local conditions, improving the relevance i.e. indigenisation of accounting standards to make the standards more suitable or appropriate to the existing industrial phenomenon in Oman. ii) The Capital Market Authority in Oman in consultation with other professionals and regulatory bodies should evolve some mechanism to limit the scope of alternative methods available within an accounting standard. Thus,the use of uniform accounting standards would enhance the qualitative and comparability dimensions of financial statement and reporting. iii) The establishment of harmony among the applicable laws like Companies Act, Income Tax Act, Banking Regulations etc., which have significant bearing on different items of financial statements, would give true and fair view of business. iv) The formulation of comprehensive and indigeneous standards, like accounting for changes in prices, inflationary economies, segment accounting, accounting for joint ventures, earning per share, investment in subsidiaries, associates etc., useful to make accounting standards more user friendly and international acceptable. To sum up, though the entire industrial community in Oman has been following the International Accounting Standards and adopting disclosure practices to ensure true and fair view of the economic activities, still a lot more needs to be done to promote good corporate governance and a healthy investment climate. The other middle east countries, which adopt the policy of liberalization and intend to increase in international capital market activities due to globalization should learn that reducing the variety of approaches in the each accounting standards, formulating the comprehensive and indigeneous standards and making all accounting standards as mandatory have to be given top priority for attaining the required objectives, otherwise it will be exceedingly difficult for Oman investors to trust the Corporate Governance. ************************************************************* * The article is presented in Accounting, Commerce & Finance: The Islamic Perspective International Conference V, held in Brisbane, Australia during 15-17, June 2004. REFERENCES: 1. Tiwary, Ojha, Arun Kumar, Corporate Governance in India: What it Means and What it needs?, The Indian Journal of Commerce, New Delhi, Oct-Dec,1998, p.154. 2. Chandratre, KR, Role of Board of Directors in Emerging Dimensions of Corporate Governance and Impending Changes in Company Law, The Chartered Secretary, The Institute of Chartered Secretary of India, New Delhi, May 97, p. 505. 3. R.I.Ticker, Corporate Responsibility, Institutional Governance and the Roles of Accounting Standards in Michael Bromwich and Anthony G. Hopwood (Eds.), Accounting Standards Setting, An International Perspective, Pitman Books Ltd., London, 1883, p.27., Cited in Lele RK, Jawahar Lal, Accounting Theory, Himalaya Publishing House, New Delhi, 96,p.56. 4. Sir Adrian Cadbury, Developments in Corporate Governance, The Company Secretary, The Institute of Chartered Secretary of India, New Delhi, May 97, p. 497. 5. The Report of the Cadbury Committee on Financial Aspects of Corporate Governance, The Company Secretary, The Institute of Chartered Secretary of India, New Delhi, May 97, p. 573. 6. Verma, Garg, Singh, Disclosure of Accounting Standards Vis--vis Company Characteristics: A Study of Indian Corporate Sector, The Indian Journal of Commerce, New Delhi, Oct-Dec,1998, p.131. *************************************************************** Source by Kanukuntla Shankaraiah Tags: retirement,business,financial,services,insurance,glen mills,middletown de,wilmington pike,financial consultant Staff of the Commodity Futures Trading Commission's (CFTC) Division of Market Oversight held a public roundtable meeting on Friday, June 10, 2016, to discuss certain elements of the CFTC's notice of proposed rulemaking (NPRM) regarding Regulation Automated Trading (Regulation AT). Source link ... WASHINGTON, D.C. styles for commemorative coins honoring the 100th anniversary associated with the founding of Lions Clubs Overseas had been revealed today during the business's 99th annual meeting in Fukuoka, Japan. Resource website link Tags: growth,business,wyandotte,average annual,wealth management,safe haven,brian teets,financial services,investments insurance,insurance retirement,financial planning,wealth accumulation,safe haven wealth management,investments,retirement planning Retirement Planning Commentator East 840 North All about college credit cards College credit cards are the credit cards that have been specially designed for college students. College credit cards are more popularly known as student credit cards. College credit cards allow the students to experience the benefits of credit cards much earlier in their life. Through college credit cards, the college students are able to learn more about credit cards and their use. In fact, for most of the students, their college credit card is their first credit card that acts as a gateway to the world of credit cards. Some other students might have previously used supplementary credit cards linked to their father's credit card account; however, for such students too, their college credit card is the first one that is truly theirs. College credit cards are not very different from other types of credit cards in the basic sense; they function in the same way as any credit card would. However, there are some differences, which basically arise from the fact that college credit cards are used by people who have no prior experience with credit cards and who perhaps don't understand the concept of credit cards completely. Hence, the credit card supplier is at risk with issuing credit cards (college credit cards) to such people whom he is not sure about. Most of the students don't have a credit history either. In such a case, the supplier of college credit card cannot be sure of receiving the credit card bill payments in time (and even receiving them at all). To counter such risks, the supplier of college credit card requires the parent of the student to co-sign the college credit card application form as a guarantee. Moreover, the credit limit on college credit cards is generally around $500-$1000 per month, which is lower than what it is for other credit cards (this credit limit is generally sufficient to fulfil the typical needs of a student). Another risk mitigation instrument used by the college credit card suppliers is the interest rate or APR. The APR on college credit cards is generally higher than that for other credit cards. Again, this is done to dissuade the students from overspending on their college credit card (and finally not being able to pay their credit card bills). However, if we were to look at these impositions in a positive sense, we would find that these are actually in favour of the student (who is still getting trained to take on the real world of credit cards). Moreover, college credit cards also help the students in establishing a (good) credit history which is another important benefit that becomes handy when the student needs any type of loan at a later stage in his/her life. So, college credit cards are really something that every student should consider going for. Tags: WASHINGTON The U.S. Department of Housing and Urban Development (HUD) these days launched an agreement with the proprietors and providers of Swansea http://www.marketwatch.com/story/american-teens-dont-want-to-work-2014-05-01 Senior Apartments in la to eliminate allegations they violated fair housing laws and regulations for refusing allowing a resident with handicaps to own a live-in aide and making discriminatory statements to him. 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You simply require dedication and organization. You understand how much cash you create and how much spent all things considered, you are the one spending it! Whether you are investing in the stock exchange or buying a sandwich, you create cash management choices each and every day you will ever have, of course you don't like the results you are getting all you need to do is replace your practices. Like most topic, monetary guidance includes its very own language, so you've probably heard words like 'budget' and 'statement of web worth'. This terminology can be somewhat intimidating nevertheless thing to remember is these are merely names the resources that will help sort out the amount of money you have got, where it is going and how you can generate more of it. 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Most likely, in the event that you ask it to, it's going to provide you with right here. Resource by Analaura Luna Tags: Financial Professional Wilmington Pike Glen Mills WASHINGTON, DC The United States Mint (Mint) and the Bureau of Engraving and Printing (BEP) will share booth #690 within United states Numismatic Association's (ANA) World's Fair of income from August 9 to 13, 2016, within Anaheim Convention Center in Anaheim, Ca. Resource website link Tags: retirement,business,financial,services,insurance,glen mills,middletown de,wilmington pike,financial consultant... Tags: retirement,business,financial,services,insurance,glen mills,middletown de,wilmington pike,financial consultant Business Directory for Lucernemines, PA - ChamberofCommerce.com I must admit that my wife and I like to eat out. We probably eat out too often really and at times, we have even let it put a strain on our budget. We recently learned though, that local coupons and deals can save us a lot of money at many of our favorite restaurants. The Best Local Deal Sites For instance, I have signed up on the mailing lists of Groupon, Amazon Deals and Living Social. All of these companies send me emails featuring great local deals. In the case of Groupon, I have specified that I am only interested in hearing about restaurants in the city where we live. The company is great and only sends me emails that fit that category. Now, when I see I have an email from Groupon I am anxious to open it because I know it will contain big discounts (usually 50% off) at a local restaurant. In fact, before we go out to dinner now, my wife and I quickly check on the websites of these three companies to see if there are any local deals available to use. If there are, we can quickly buy them, print the coupon and save ourselves $10 to $20 off our dinner bill! Who wouldn't love that? More Coupon and Deal Ideas Of course restaurants are just one way to use coupons. I know that many homemakers have been using local coupons in their grocery stores for years and years. While it might seem that a few cents off here or there won't add up to much, you may be surprised! I have a cousin in another state that has made using local coupons a true art form. She determines what the minimum face value of each coupon needs to be and then takes them down to her local supermarket where she receives double (and sometimes triple) the value of the coupon. As a matter of fact, she has been so successful at this that she has turned it into a business. For instance, let's say she has a coupon for 75 cents off a tube of toothpaste that costs $2.39. If she gets triple the value of the coupon then she gets a discount of $2.25. That tube of toothpaste now costs her only fourteen cents! Like my cousin, I have heard stories of shoppers using local coupons and deals all over the country. These folks may end up paying $5 or $10 for a shopping cart that contains over $100 worth of merchandise! Sure, it takes time and some effort, but many people work all day and don't make $100. It is worth it! The Value Of Local Deals You work hard for your money. Why not get the best value every time you make a purchase? You will find that using local coupons and deals to save you money is an ideal way to do just that! Source by Keith Cantelmo |
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