Saving Money: When Is a Bargain Not a Bargain?

You’ve probably heard this before. That’s OK, you’ll hear it again because it’s still true. It isn’t the things you don’t know that get you, it’s the things you know for sure that just aren’t right. That’s particularly true when it comes to saving money. We grew up accepting certain things about saving money that may well have been true at one time. They may still be true in some cases. If you don’t know which case is which, you may as well take some of your cash and torch it. (Or send it to me and I’ll do it for you. Yeah, right…

“You’ll save money buying the biggest size __________.”

Maybe so, but I want my handy pocket calculator to verify it. Here’s how I see it.

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12 Ways to Pay Less

Every where you go it seems you are bombarded by “Buy and Save”
sales ads. Why only shop the sales, why not look to save money
on other purchases not advertised as sales? Here are insider
tips and strategies to get the lowest prices on things you want.

Pet Medicine

Prescriptions for Fido or Kitty can be costly and treatments
for fleas and ticks can vary widely depending on the
veterinarian. Head online to find a pet pharmacy where prices
can be as much as 40 – 60% less than a local vet.

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Do I Need a Financial Planner to Get Ahead?

It’s never too early or too late to plan for your financial future.

And whether to use a financial planner is one of the choices you’ll need to make as you chart your course.

“A financial planner can be that third party who guides you and helps keep things in emotional perspective,” says JJ Montanaro, a Certified Financial Plannerâ„¢ with USAA.

Some people do a great job planning for themselves, but it can be a big burden. Tackling your long-term financial goals requires attention to detail, keen financial knowledge and a willingness to keep up with tax rules.

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Business To Business Finance

A financial transaction occurs when a financial asset is created or transferred. Examples of financial transactions are loan granted by a bank to a company, equity stock issued by a company, the purchase of debentures in the secondary market and the sale of goods on credit. While this list can be easily extended, the point is financial transactions are very pervasive throughout the economic system. Hence, financial markets that exist wherever financial transactions occur are equally pervasive.

Financial markets are generally divided into two classes: money market and capital market. Money market deals in short-term debt, in contrast to the capital market that deals in long-term debt and stock (equity and preference). A well-developed money market uses a broad range of financial instruments (treasury bills, bills of exchange etc). This channels savings into productive investments like working capital and promotes financial mobility in the form of inter-sectoral flow of funds.

Business to business finance is a term that implies a financial transaction from one business to another. For example, if someone wants to open a hardware store, that person as a business might have to take advantage of a loan from another business – a bank, for example. There are many other examples. Any entity can loan another entity money. Also, if a business needs to purchase a product or service from another company, the purchasing business can get financing for the express purpose of making that necessary purchase. Different rates and systems apply to individuals and businesses, so therein lies the distinction.

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Business Banking – An Overview

Making a success of your business depends on planning and judgement. ‘The bottom line’ is all about managing your finances wisely, whether that means sourcing the funding you need to start up or keeping on top of your accounts.

Setting up or running a business calls for a separate account. Not only will this make your accounting a lot simpler, but also business accounts are tailored specifically to the needs of business clients. Many have a specialised team to deal with business accounts, and can offer help in the form of start up packs and individual advisers. Business accounts differ from personal accounts in that you will normally be charged for transactions – for making deposits and withdrawing funds, for example.

This guide gives you a broad overview of how to open and manage your business account, including:

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