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Even if you are an adult, having a piggy bank is worthwhile. You can easily set aside some coins that are of low value and if you manage to put a dollar or so a day, in one year there will be $350-400 in your piggy bank, which is a respectable amount that can buy you lots of things! So, instead of keeping the coins in your purse, give them to Piggy and she will save them for you. |
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Child life insurance is an example of how unscrupulous merchants drain money out of caring parents. A cunning salesman approaches you and tells you that if you are a good parent and you want to protect your child, you might want a child insurance policy. Besides, it is cheap, so if you really care about your child, you ought to insure him or her. |
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Having a choice is tough – you have a mortgage and credit card debt. Which one is to be paid first? If you are still in the grace period of the mortgage, it is a no-brainer: pay your credit card debt before its interest accumulates more and more. If your mortgage grace period is over, the choice is not so easy to make because if you don't pay your mortgage, you risk losing your house but on the other hand, mortgage interest rates are much lower than credit card interest rates, so you still need to make your best to pay off as much credit card debt as possible. |
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Not all ATMs are equal. Or at least not in terms of charges and security. While it might be very convenient to use the nearest ATM, make sure that it is your bank's ATM or if it isn't – that this is an ATM that will not charge you fees for the transaction. Also, if you are charged per transaction, try to limit the number of your transactions. For instance, instead of withdrawing $50 twice a day (when you need it), withdraw your weekly (or even better – monthly) amount in one transaction and then just pay cash. |
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If you participate in a frequent-flier programs, don't forget to check if the points you have earned can be converted to gadgets, magazine subscriptions, or gift certificates. Many airlines allow reward points to be converted into something attractive, so just ask and you might be able to get yourself (or your beloved ones) something really nice. Many clubs and other organizations that reward their regular customers with points also offer an exchange, so check this out as well. |
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Many companies offer special deals to their employees. This includes not only goods manufactured by the company but also goods from partner companies or supermarkets. These company discounts can be especially useful when you need to buy gifts, so make sure that you are aware of all the opportunities your employer is offering. |
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Choosing gifts can be a very tough task even if you know pretty well the person for whom the gift is. And it is really disappointing to spend long hours searching for a gift and then to realize that the gift is of no use. |
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A wedding can be a time of joy and sorrow. Joy – if you marry somebody you love and sorrow – if you marry not because of love but because you have to. But above all a wedding can be a time of financial disaster. The average American couple spends about $20,000 for their wedding! (And God knows how many times that when they divorce a couple of years later). |
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