Buying

Graphic: Top S & P 500 Sectors by Annualized Five Year Return

How has the five year bull market treated you?

Check out the graphic below of the top sectors based on annualized 5-year return. Consumer discretionary has been killing it with a 33.48% return. Can it keep that up or should you look to the utilities sector which has lagged its peers with just a measly 15.72% return for the same period.

Image via @FaireGlobalLLC

Saving Money on Groceries Without Using Coupons

Everyone in this world knows that you can take advantage of big discounts when you use a coupon while you are in a grocery store. But what if you do not have a coupon? How will you save your money? Here are some ways that you can make the most out of your money without using coupons for groceries. nike air max pas cher So enjoy the tips below on saving money on groceries without using coupons. Nike Air Max 2016 Dames blauw saving money on groceries without using coupons DECIDE ON WHERE TO GO SHOPPING Choosing the right grocery shop will help you see a big difference when it comes to the cost of your food. It is helpful to know a grocery store that gives you the cheapest prices for the items that you regularly need. Spend some time in looking for a grocery store that has inexpensive necessities that you regularly purchase. You may think that this tip requires you to do a lot of work, but the ongoing benefits can save you hundreds if not thousands each year. Adrian Gonzalez Authentic Jersey Hard work pays off! PREPARE AHEAD You will save a lot of money if you plan ahead of time. Also, planning lets you avoid the impulse shopping attitude. Bring along a list of the things that you need to buy before going to the grocery store so that you will stick to necessities as you shop. College Jerseys FIND SUBSTITUTES FOR EXPENSIVE ITEMS If you are going to shop and you notice that you are buying expensive items, you may want to consider looking for alternatives for them so you can save. baskets ASICS Sirloin steaks cost a lot of money, so why not buy some ground and/or lean beef? That is much cheaper compared to the sirloin and shares most of the same nutritious value. BUY IN BULK Purchasing non-perishable items in a warehouse store can make you save a lot of money. nike air max 2017 dames Blauw You can buy bulk of paper towels, laundry detergent, canned goods, pasta, etc. just make sure that you are buying products that will not expire soon, or else you will end up wasting your money on the things that you will just throw away in the future because they cannot be used anymore. UA Clutchfit Drive II STOCK UP ON SALE ITEMS When you see an item that you regularly buy and it is on sale, make sure that you jump into this opportunity and buy as many as you feel you can use. Just make sure that this item can be used in the near future and make sure that it will not be expired soon. Some stores put items on sale because the expiration of that product is coming up soon. kanken baratas Always check the dates when you stock up on sale items. LOOK AROUND. LEFT AND RIGHT. Los Angeles Angels Jerseys UP AND DOWN When you are searching for something in an aisle, take time to move your head up and around to look for some items that are cheaper than the product that you regularly use. You see, premium types of products pay more to the grocery owners so that they will be displayed in the level where people notice them first. If you look up a little bit, you might see some items that are the same as premium items but a different brand.

How do I Pick My Insurance if I Have a Choice at Work

Choosing a health plan at work can be confusing and often overwhelming. The specifics will vary with each employer, but there are ways employees can evaluate their options to find their best mix of cost and coverage.

Picking Insurance

Cost
Cost for the employee falls into two categories:
1. Up-front premiums.
2. Charges at the time of service.

The premium is the amount taken out of each paycheck for the employee’s share of the insurance company’s charge for the plan. Most employer plans are designed so that premiums are deducted pre-tax, meaning the employee saves on federal income and Social Security taxes and possibly also state income taxes.

Charges at the time of treatment are the out-of-pocket amounts patients must pay to receive medical services. Co-pays, deductibles, and co-insurance can vary a lot depending on the chosen plan and services used. In evaluating this factor, the employee must remember that, under healthcare reform, any service designated by the federal government as preventative should be provided at no charge to the patient.

The cost factor in choosing a plan often comes down to balancing higher premium cost against lower charges for treatment and vice versa. But this relationship between premiums and out-of-pocket does not always hold because of the variable of coverage.

Coverage
Depending on plan design, coverage will vary among plans in multiple aspects:
1. Is a service covered at all?
2. Is there a cap on the service (number of visits, frequency of tests, etc.)?
3. How much flexibility does the patient have in choosing the provider or opting for a procedure?
4. How often are referrals and preauthorizations required?

Don’t assume a service is covered by all plans just because it is covered by one. If an individual plans to use a particular service, she should review all the plans she is considering to make sure coverage is available for that service.

Perhaps the service is covered but the plan puts a limit on the number of visits. The employee should compare any such limits with his anticipated use of the service. If the plan will not cover his full utilization, the employee must determine if, for him, the extra out-of-pocket expense is worth the service or if another plan is the better approach. Depending on the employer, the employee might also have options such as a Flexible Spending Account (FSA), a mechanism for the employee to set aside pre-tax dollars to use for any medical expenses not covered by insurance.

As a general rule, the more flexibility the patient has to choose doctors and services without getting a referral or preauthorization the higher the premium cost. Plans can range from the HMO, which requires all medical services be arranged through a primary care physician, to a traditional indemnity plan, which places almost no restrictions on where the employee can seek care. The employee must look at her own situation to decide how much choice and flexibility she is willing to pay for relative to the other factors.

Saving Money with Coupons

You can cut down the price of your grocery bills by means of clipping some coupons and saving them over time with persistence and control. Control how you spend and reward yourself with different things once in a while and search out coupons that will allow you to purchase some luxury items once and a while.

saving money with coupons

Here are steps on how you can start saving money with coupons:

Organize your coupons by means of making a comprehensible system, a binder can help out with filing coupons. Keep it near you and always remember it as you go shopping. Keeping it in your car will make sure it is close by.

Search for coupons in magazines, food packages, newspapers, coupon mailers, grocery store receipts and of course on the internet
By cutting out coupons for the products that you may purchase or try you can always be prepared. Do not be lured by the ‘irresistible’ savings that coupons show you. Buy only the things you need, not the things you want.

Know the prices of the products that you want to buy. Usually, products with brand names cost higher than generic products.
Hidden costs matter.

Find out if your favorite grocery store matches the coupon of the manufacturer so that your savings can be doubled.

COUPONS FOR ONLINE SHOPPERS

Almost everyone in the world uses the internet for shopping. Shopping online  is easier because of the power of comparison shopping. But how are these coupons helpful for online shoppers? Do they really help? What are the perks of using these coupons?

BIG, BIG DISCOUNTS

Consumers, presently, love to shop online. A person can now enjoy shopping more because a coupon offers more that 40% discount on a purchase of an item. That means, if you are a shopper and you have a discount coupon, you only need to pay less than 50% from the price of a product. Finding these coupons is also easy online and you can sign up for online alerts that can deliver these right to your inbox.

COUPONS WILL NOT PUT YOU IN DEBT

Even if you are shopping online and paying via credit card, you will not be buried with huge amounts of debts. Coupons actually help people lessen the debts they will incur when they use credit cards for shopping because the product that is going to be bought has a much lower price, therefore less interest is charged.

WHY ARE COUPONS THE BEST FOR ONLINE SHOPPING?

GAS SAVER

When you shop online, you do not need to get out of your house and drive yourself to an online store just to buy one thing. Meaning, your gas is saved and your energy is saved, too.

SHOP ANYTIME AND ANYWHERE

Another perk of shopping using coupons is you can shop regardless of where you are. You can shop while you are at the spa, you can shop while you are at home, from smartphones you can simply shop anywhere.

So there is no need for you to hurry from work to reach a store as it is closing, or planning your evening around shopping.

If in case you want to go shopping but you are too lazy to go out, you can always go online and shop using your coupon codes, just the same as you would use printed coupons in a store. This is ideal for people who are very busy that they do not have time to get out to do their shopping, or search through a few retailers to comparison shop.

Love Birds Love Saving

Valentine’s Day is right around the corner. It is not just the perfect opportunity by sweet candy and delicious chocolate for your loved one, it is also another chance to spend some money!  But here is the good news; you do not have to break the bank to show your significant other how much you care.  Give this list a good once over and you will walk away with some sweet ideas.

1. Be Crafty

Homemade gifts can mean so much more than something store bought, so be creative and get crafty!  Try using a free photo editing site to do something cool with a picture of the two of you. Make a coupon book of sweet and/or romantic requests.   So have fun with this one! Check out Pinterest for some other awesome ideas.

2. Bake Away!

I do not care who you are, cookies, brownies, cake, or any other sugary treat always hits the spot.  Break out a new recipe or an old favorite and bake up some love for your love.  Someone mind passing this tip on to my boyfriend?

3. Everyone Loves a Good Movie

You and your love bird have probably seen at least 3 movies together since becoming an item.  Renting a movie on Red Box or through Netflix is inexpensive and a great way to just spend some time together.  You will make popcorn, hot chocolate, and some great memories.

4. A Walk Down Memory Lane

This tip is definitely more for the couples who have been together for at least a couple months.  Take your significant other on a walk through your relationship. Go to the place you first met, then your first date, then to the last place you were together.  You do not have to buy anything, just talk about the good memories you have from those places. You will laugh, maybe even cry, but you will definitely make some good memories.

So happy early Valentine’s Day to all the loves birds out there and give these tips, one or more, a try. Let me know how it goes!