Below is a list of free unusual electronic greeting cards for Kids. These are great cards for kids to send to friends and family or for family members to send to kids. You won’t have to worry about your cards arriving late and you end up paying zip for postage. A side benefit of many of these cards is that they may draw your kids into other fun and educational offerings on the same web site.
With college tuition costs on the rise, the answer to your college budget woes may be close to home.
Here are 5 reasons why community colleges can be a great deal and still get you where you need to be in your career.
Leaptocheap.com wants all visitors to be generous and careful in their charitable giving. Scams tend to pop up whenever good people step out to help those in needs.
LeapToCheap.com supports and stands behind this Charity:
Smart Giving to Help Disaster Victims
Once of the most efficient and organized charities in the world, Samaratans Purse headed by Franklin Graham was not only one of the first responders to Haiti, but they have a strong reputation for quickly analyzing what assistance organizations are providing and then precisely delivering just what is needed when it is needed (From Medical to basic needs). Please take a look at this CNN video on Samaritans Purse’s disaster response in Haiti.
Need more information?
Check our charity page that will show you how to review the statistics on the top 200 charities in the united states.
As most Americans watch politicians fiddle around with our health care options, emotions tend to kick in. And that is to be expected given that most people don’t view their health care as political, but rather as a life and death issue (directly affecting their families).
Over the years, politicians have equated messing our health care system to throwing their political careers in front of a moving subway car.
Our president has pressed this issue knowing full well that he was putting his political future at stake. If you care about opinion ratings, the ongoing health care debate has clearly not helped his political career.
Instead of a bull-in-the-china shop approach, what do you think about starting with the small changes first that will likely yield a huge benefit?
Most Americans are not aware that health care insurance companies are not allowed to sell their insurance products across state lines (thereby severely limiting competition). For example, let’s compare insurance rates in the state of Idaho vs. the state of California.
In Idaho, you have very few health insurance companies to choose from, so it ends up being a pay the inflated price or go without health scenario for many citizens of Idaho.
In California, there are so many insurance companies that actively compete for the consumer’s business by running TV and print ads comparing / contracting the cost and value of their product vs. their competitors.
If our Government were to do nothing more than break down the existing state line barriers, all of our health insurance premiums would go down and it would not cost us any more in taxes.
There does not seem to be much to loose here, but rather quite a bit to be gained.
What do you think? Please comment on this editorial below (click SHOUT).
– Chet Scott
The Chief Cheapskate
On this site we spend a lot of time showing people how to save money. Now we are turning our attention to good stewardship of your money. Hey, if you’re thoughtful enough to donate your hard earned money to the needy, you should expect that most of it goes to the target of the charity.
A quick way to sort through which charities meet your giving criteria, take a look at Forbe’s report on the 200 largest charities by clicking here. http://www.forbes.com/lists/2008/14/charities08_The-200-Largest-U.S.-Charities_CharComm.html
Remember, that you can click on the column header links to sort by what is important to you.
FREE Giving?
Yep, you can donate to your charities just by using goodsearch.com . You just specify your charity, use their search engine (just as you would Google) and your charity receives money from goodsearch.com.
Another option accomplish a similar result to feed the hungry is the thehungersite.com . When you click on sponsor links food is donated to the hungry.
While you won’t be able to obtain credit or an MIT college degree, the MIT Open Courseware online e-learning curriculum provides lecture notes, exams, and videos from MIT. No registration is required and there are 1900 courses published so far. So, if you’re the curious type that craves learning, this freebie may be for you.
When shopping at the grocery store you may want to bring your calculator with you. While you may find per unit prices on many shelf items, you probably won’t find it shown on all products. Instead of just comparing the prices of one item to another, we suggest that you compare price per unit (e.g. price per ounce, etc) to ensure that you are getting the most for your money. We found that while some products are priced less to attract buyers, after a closer look at the per unit price, we learned that we would actually end up paying more if we were to buy the product with the lower shelf price.
If a per unit price is not listed on the shelf, use your calculator to determine the unit price. Simply take the shelf price of the item and divide it by the total number of units in the container. Then do the same for the item you are comparing the first product to and then simply compare the two unit prices.
The same technique can be used for paper towels, napkins and other items that are marked with a product count.
After you start pricing by unit, you might be surprised at what you find (especially if it those extra dollars in your pocket)
The U.S. Department of Energy is offering some great rebates, tax credits and financing for consumers who choose energy efficient options.
For example, you may be able to get a 20% rebate on the purchase of an energy efficient appliance when you turn in your old energy hog. So, this example alone could be a pretty good deal when you consider that you can save on both the appliance purchase and your monthly power bills as well.
According to the Department of Energy:
Consumers can find financial assistance for energy efficient purchases and improvements in the form of tax credits, rebates, and energy-efficient financing.
Learn how you can take advantage of federal tax credits for your energy efficient purchases and improvements. For information on state and local tax credits, see State Incentives for Renewables and Efficiency.
Rebates for ENERGY STAR Appliances will be available from your state in late 2009 or early 2010. Find out how the program will work and how you can apply.
Learn about your options for energy-efficient financing programs, including mortgages to home improvement loans.
According to the Federal Trade Commissions FTC Gift Card Message
There are two types of gift cards.
The FTC suggests that you take the following measures to protect yourself and/or the gift card recipient:
For more information about gift cards and how to use them, visit the FTC’s gift card web page at
http://www.ftc.gov/bcp/edu/pubs/consumer/alerts/alt010.shtm
Read about new Gift and Credit Card federal laws going into affect in this year (2010). According to the FDIC, “Under the new law, gift cards and similar cards cannot expire within five years from the date they were activated unless the expiration date is clearly disclosed. The law also generally prohibits an inactivity fee on gift cards except in certain circumstances, such as if there has been no transaction for at least 12 months.“
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