Investing For Beginners

In addition to working hard, making good financial and investment decisions is going to play a large role in your financial future. There are two things you can do with money, spend it or increase its value by investing – this is how the wealthy remain rich while others seem to never get ahead.

indsexStart Now

The sooner the better. Waiting until you have that extra 10K to invest is not the way to go about it. If you wait until you have the funds you will never get any traction. The truth is, it doesn’t matter how much money you have, start by putting aside $10 a week and increase¬† as your financial situation changes. If you start investing in your 20s you will be in a better position in your 40s than someone that waited until they had that 10K.

Rid Yourself of Unnecessary Debts

Debt is the exact opposite of investing. Instead of using your credit to make purchases use your own money and cut down on spending whenever possible. The money you save can be invested in your future.

Get Professional Help

Take the proper steps to get yourself familiar with the market. Before committing to a plan speak to a professional to find out what your options are. For example, you can start opening and managing share accounts with financial services companies like Interactive Investor. Certain assets may suit your needs better than others, professionals will help you find which will work best for you.


Learn about your investments and investment options. The more you know the better you will be at making decisions like when to invest and when not to. Some people prefer to be passive investors – leaving your money with experts. While this is a perfectly good option if you are the type of person that likes to be involved in your financial future it will help you to understand what is happening with your money in the long run.



5 Tips to Save on Airline Tickets

Saving and budgeting for you vacation can be a challenge, even before factoring in the cost of airfare. Yeah, you could go on a road trip or stay close, but sometimes it’s worth it to go far far away and truly relax. Whether you are looking for adventure or leisure you can make the most out of your dollar by minimizing the cost of travel.

indexHere are some tips that you can use to save on your next vacation:

Know When to Buy

Watch the rates well in advance of your vacation. Buying air plane tickets well in advance or waiting until the very last minute is not the best practice, instead you want to buy your tickets 6 to 8 weeks in advance. At this time airfare typically hits a low point, so make sure to purchase during this time.

Be Flexible on the Dates

Sometimes you can find lower rates by looking for flights in a range of dates instead of at a specific time. Flying mid-week can save you up to 10%, Wednesday is usually the best day if you are looking to save.

The Early Bird Gets the Worm

Not only are there specific days of the week where airlines will offer discount rates, but also early in the morning flights tend to be cheaper. Try to fly in the morning and throughout the workday to get a better rate.

Buy on a Tuesday

Take advantage of the industry’s competitive nature! Mid-week is not only the best tie to fly, it’s also the best time to buy tickets. On Tuesdays most airfares will start to go on sale when the airlines adjust their fares to match competitors.

Know When to Pull the Trigger

Airfares not only fluctuate day by day, but also hour by hour. Take time to learn the market and be ready to pull the trigger on a good deal!

The Top 5 Coupon Apps for Your Smartphone

Couponing is becoming a trend these days, so why not save the scissors and have those coupons available at the touch of your smartphone screen. Here are our 5 favourite coupon apps sure to help you save some cash:

Living Social

Screen Shot 2013-09-24 at 4.57.54 PMLiving social offers its users the opportunity to do things locally, in their city, on the cheap. There are different deals every day that offer coupons and discounts at various restaurants, bars, stores, spas and more. Living social also gives its users the opportunity to get free deals by sharing deals through e-mail, facebook and twitter. When your friends purchase a deal that you’ve shared with them you get it for free.


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Groupon offers its users deals on products and services, they partner with top-rated businesses allowing users to feel comfortable trying something new. You can browse deals by location or categories. Groupon also offers featured deals, vacations, goods, occasions and gifts making it easy to get exactly what you need at a good price.

Google Offers

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Google offers allows users to find offers on all of their favourite Google products and services. You can find deals for shopping, restaurants, bars, courses, travel, beauty and more. By taking more deals the app learns your needs and will start to give you more customized suggestions for future purchases. When you buy an offer you have the option to use it right away for save it for later.


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Using GeoQpons you can brwose a variety of products from automotive, to children’s, to groceries. The app makes it easy to use the coupons in a store by allowing users to simply show the coupon image on their smartphone to the cashier. Using a coupon online is also easy, you just have to copy and paste the code in the coupon box during checkout.


Screen Shot 2013-09-24 at 5.20.08 PMUsing RetailMeNot you get to save when you want, where you want. The app sends you deals that are based on your current location, such as your local mall, and offers coupon codes on everything from clothing to entertainment and even food.

Finding the Best Car Insurance Rates for Seniors

The baby boom generations is growing older, and with that comes more senior citizens on the road. Luckily, people in their 50’s and 60’s pay less fir car insurance than any other age group. After 75, however, insurance rates increase sharply, this is because the elderly get into nearly the same amount of accidents as teenagers, and the rates reflect this fact.

personalized-coverage-insurance2What to Look for in an Insurance Company

In the end the best insurance company for you is going to be one that meets your individual needs. Older drivers generally prefer companies with great customer service and are willing to pay a little more for it. As senior you may prefer to purchase a policy through an agency so that you always have a contact that can answer your questions. Here are a few considerations that you may want to take as a senior citizen looking for car insurance:

  • Would you rather handle your insurance policy through an agency or would you like to manage it online?
  • You should find an insurance company that will reward your good driving history.
  • You may want to consider getting multiple policies from teh same insurer.
  • Choose good medical coverage.
  • Look up pricing for usage based insurance if you are retired and as a result are driving much less.

When choosing an insurance company it’s important to find one that will suit your needs. By doing some research you can find affordable insurance, reflective of your lifestyle, while still maintaining your needs.