Posted on 07 January 2011
Tags: 22 Free Things, 800-FREE-411, Adorama, American cuisine, Apple, art institute of chicago, BBC, Ben & Jerry, Ben & Jerry's, British cuisine, business centres, Business education, certain online photo album services, Comic book, Concerts, CPR courses, craiglist, Cuisine, Culture, Desserts, E-card, entry ticket, few days, Food and drink, free advice, free pets, Gizmo Project, going to college, good education, graduate courses, Gym Membership, Hallmark, Human Interest, Ice cream, Italian cuisine, Kodak, Language classes, language lessons, MIT, movies, mp3, mp3 player, Museums, nothing in this world, pets, poor grades, Sampling, shopping, shows, Skype, Small Business Administration, Snapfish, Snapfish and Adorama, Starbucks, tea, Title Trader, transportation, Twitter, undergraduate, wrinkles
It might seem to everyone that nothing in this world is for free. However this is not true. There are certain things that can be obtained for nothing at all. Below we shall consider 22 things that can be obtained for free.
1. Language Lessons
Since the world has become more mobile a good idea would be to learn languages. The good news is that this can be done for free. The internet has made things much easier for people.
You can learn any language that interests you, from, Spanish to Urdu. You can use these resources via podcasts. A good place to start is BBC. You can easily put all the required information into your mp3 player and listen to it whenever you have the time to.
2. Classes At MIT
There are many people who might not have been able to get a good education. This could be due to poor grades or because they were not able to afford going to college. However MIT now offers many of its undergraduate and graduate courses online.
There is a disadvantage. The courses will not actually count towards any actual college credit. However people just wanting to study and increase their knowledge should take up some courses.
3. Museums
Many museums charge very high prices for an entry ticket. However there are a few days that somemuseums offer free entry to people. An example is the summer programs organised by the Art Institute of Chicago.
4. Pets
Nowadays buying a pet can be quite expensive. However it is possible for people to get free pets. Websitessuch as Craiglist and Petfinder do provide free pets.
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Posted on 22 May 2010
Tags: abilities, alternative energy, Attract, bookkeeping, Business, business plan, Competition, criteria, document, educational grant, Eligibility, employer, firm, funding, Google, health care, Home Depot, idea, information, inventors, investors, Money, network, paper filing, professional editor, profit, Resources, Small business, Starbucks, technology, Venture capital firms
Your million dollar business idea is not getting off the ground, though you have tried from company to company, till your money and network resources went in vain. At the end, nothing is left in your hand. This happens if you don’t get a little financial help. Venture capital firms are comprised of private investors that research, negotiate and fund businesses in their earlier stages of development. Today’s some of the top leaders in business such as Home Depot, Starbucks, and Google relied on venture capital in their early stages.
Studying the Competition:
To apply for venture capital, you have to present your idea with paper filing, business plan writing and demographic analysis. Usually these firms receive almost 5,000 businesses plans every year, so your business plan, will be having strong competition with others’ business plans for funding consideration. From all those plans only 10% plans are considered seriously, out of those only 1-2% are Read the full story
Posted on 13 January 2009
Tags: advice, cable, Cable TV, cancel your membership, cellphones, cellular telephone, cheaper economical car, credit card debt, Credit Cards, Cut your credit cards, Debt, Expenses You Can't Afford, food, food lunches, food purchases, food stops, frugality, fuel guzzling expensive car, get a cheaper economical car, how to, If You Have Credit Card Debt, live frugally, live without television, Loans, minimum payment, Money, monthly food budget, no dining out, Personal Finance, savings, say no to tv, Starbucks, stop all shopping, tips, transfer your debt, when you are broke
You need to cut down your monthly expenses and live frugally if you ever want to get out of debt. Let’s assume you have a $20,000 in credit card debt and you current minimum payment is around $500 per month. Unless you really don’t want to pay your credit card bills at all. You have to pay it in full before you can cancel your credit card.
Let’s say you have $14,000 in credit card debt and your current minimum payment is $350. At 21% with a minimum payment of 2.5% it will take you 542 months to get rid of your debt. In that time, you will pay more than $32,000 in interest. this is not at all funny. but this is how this works.
If you keep paying a fixed amount of $350 dollars (which is your current minimum payment),It will take you 70 months to be rid of your debt. In that time, you will pay $10,290.27 in interest. Still Its unacceptable.
However, If you manage to reduce expenses by $200 each month and apply that amount to your credit card’s minimum payment, then each month you can payback $550. this way, It will only take you 34 months (3 years) to get rid of all your debt. during this time, you will pay only $4,692.23 in interest. this is also crappy but better than 542(45 years) ye and 70 months(6 years) and you will save some where between $6,000 to $28,000 in your interest payments.
Best course of action in this situation is to transfer your debt to a low interest credit card or apply for a debt consolidation loan
If you still doubt in what I say, You can use this Minimum payment calculator to find out how much money you will be wasting by not paying off your credit card balance as quickly as possible.
Indeed, there is no feeling like getting out of debt. Its always better than watching cable tv or dining out with friend. You will get more joy out of these activities when you are debt free.
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