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Pros and Cons of Paying Down Debt

I know what you are asking: “How can there be any cons related to paying down debt?” If you are not careful, there are several ways you can dig yourself deeper into debt trying to pay loans and other bills. In a previous blog I addressed the option of cashing in retirement accounts and other investments to pay down debt. While there are a number of benefits to doing this, there are also quite a few downsides as well. In fact, the Department of Labor went public recently warning Americans that making permanent withdrawals from their retirement accounts is not … Continue reading →

The Pros and Cons of Special Ed Vouchers

Ohio has expanded its school voucher program to include all special education students. This means that parents of kids who have special needs, of any kind, can get financial support to put their child into a private school. The public schools may face financial difficulties as a result of the voucher system. According to Dictionary.com, a school voucher is “a government cash grant or tax credit for parents, equal to all or part of the cost of educating their child at an elementary or secondary school of their choice”. It may also be called an “educational voucher” or a “scholarship”. … Continue reading →

Staying Fit and Healthy

Most people take a break from their fitness routines when they are sick. Then, there are those who power through and risk getting even sicker. Ideally, you wouldn’t get sick at all, but that’s not reality. On the bright side, studies show that people who follow a regular fitness routine lower their risk of contracting colds and other common communicable diseases. Still, germs are everywhere. While most are harmless, experts say, roughly one percent of germs can cause life-threatening infections. To avoid upsetting your fitness routine, consider the following simple steps to help you stay healthy: Beware of Dirty Mats … Continue reading →

Summer Picnic Food—Meaty Italian Sandwiches and Three-Cheese Pasta Salad

Nothing says summer than a picnic in the park. With the Fourth of July holiday right around the corner millions of flag waving families will be trekking to local parks to view the annual fireworks displays. And with space at a premium most will be securing their spots from the early morning, which means packing a lot of food to keep the kids occupied until the big bang goes off at dusk. The following recipes are ideal picnic dishes as neither contains mayonnaise, which tends to spoil when left out in the hot sun too long. The first recipe for … Continue reading →

Don’t just sit there…stand there. A simple tip for events & expos.

When I joined as a direct sales consultant for a line of skincare products a few years ago, I became a “fair-junky”. I literally felt high when I watched hundreds of event-goers check out my products and booth. Speaking of my booth, I would often spend hours picking out perfect fonts for my sales fliers and adorning my skin-care bottles with raffia and decorative baskets. It was adorable. You could easily mistake my booth for a miniature high-end spa. Despite my efforts, I spent far more on the booth fee (and decorative accessories) than I’d earned in sales. I’d convinced … Continue reading →

Pros and Cons of WIC

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We have used WIC since our adopted children were first placed in our home. Now it is phasing out as the boys grow older. The benefits of WIC are good, but some people may not want to go through the difficulties that come with it. In Texas, you qualify for WIC if your children (foster, adopted, or natural) are on Medicaid. We were eligible because our children qualified for Medicaid because of their status as foster / adopted children. The reason to want to be on WIC is the free food. For each child over one and under five in … Continue reading →

Avoiding the Upsell

Chances are that if you have visited a restaurant, bought a major appliance or looked to contract a service lately then you have been subject to an upsell. Upsell techniques can cause you to spend more money without realizing it. Make sure that you are purchasing what you want at the price you want to avoid the upsell. What Is the Upsell? The upsell is when a customer is offered a higher priced product or service when they are about to make a purchase. So, for example, if you order a chicken sandwich at a fast food place, you will … Continue reading →

Potential Problems of a Home-Based Business

As we are nearing the end of 2011, you might be thinking about ways to increase your home-based business or start one up. While there are many, many positive reasons to work from home, there are also potential problems that have to be realized. You may end up using this blog as a defense weapon as well, the next time someone tells you how “easy” you have it being able to work at home. No matter what your business is (inside or outside the home), there are always good and bad parts to it. One of the biggest problems you … Continue reading →

Why Making The Switch To A Home-Based Business May Be Easier Than You Think

If you currently have a job and are considering leaving it to start a home-based business, you may be wondering how you will ever be able to afford to make the switch. After all, you are accustomed to your current level of income and have been for quite a while. While it is true that many home-based businesses take a while to get off the ground before they start making good money, you may not suffer as much as you think during the transition. There are a few things that you may not have thought of that will help you … Continue reading →

Just Say “No” – You Can Do It!

“No”. It is one of the shortest words in the English language, but it is also one of the most important words as well. “No” can help you avoid overfilling your plate, prevent you from taking on clients that are more trouble than they are worth, and assist you in establishing boundaries with others, among other things. All too often, we are told that “no” is a negative word and this may lead us to avoid using it, even when it would be good for us to do so. Do you ever find that your life is hectic and you … Continue reading →