My Personal Finance Blog » Imagine

House Buying Process – What Next After Buying the House?

admin — Tue, 06 Sep 2011 17:25:10 +0000

You have the home loan sanction letter in your hand and have chosen your desired house. You have paid an advance amount on the same. Now, what do you have to do after this to complete the house buying process?

i) Payment of the balance amount of own funding

Let us imagine your house is of the value of Rs 5,000,000. You have paid Rs 50,000 as advance and the bank has agreed to pay 80% of the value. Now, your own funding will amount to the balance 20%, i.e. Rs 1,000,000. Since you have already paid Rs 50,000 you have to pay the balance Rs.950,000 now. Pay this and procure receipt for the same.

ii) Registration

Next, you need to register the house at the Registrar Office in your name. You will have to submit your photograph, the sanction letter and the receipt for payment of your own funding.

iii) Collection of documents from the Registrar

After 2-3 days, you will receive all the registered documents from the Registrar/ Builder.

iv) Submit documents to bank requesting them to make the payment to the Builder.

After you have got the documents, submit it to the banker and request them to make payment to the builder. Once this is done, you can get the possession of the house. In case, any other date is listed in the document as the date of possession, then you can take possession only on that other date so mentioned.

Buying a house involves various intricacies and it is vital you understand them at each stage to make sure no one cheats you.

Maximizing Your Grocery Coupons Results In These Big Savings

admin — Wed, 08 Dec 2010 03:59:50 +0000

How I saved $92.89 last week. With the rising cost of gas and personal dwindling savings, I have found it even more imperative to find ways to cut cost and save. In reassessing my financial state, I noticed that one of my greatest expenses was in the area of grocery. A hundred dollars a week in groceries can easily add up to over $500 a month! Yes, this is one of those necessary expenses we have that tend to reach deep into our pockets and leave behind only a few pieces of chump change after all is said and done.

So what is the solution since everyone needs to eat and groceries need to be bought? I have found that what worked well in the past still works well today. You guessed it, GROCERY COUPONS! I used to clip coupons at one point but took a hiatus because I stopped receiving the Sunday newspaper which housed the coupons. Recently, I have started printing free coupons and clipping them again and am carefully watching my savings grow. Let me give you a concrete example of a grocery receipt that I had recently:

Total Cost $140.65

Balance $47.76

Total number is items sold = 29

VERIFIED TOTAL SAVINGS $92.89

My purchases at Ralphs Grocery store totaled $140.65. I used free printable coupons and regular coupons which saved me a total of $48. However, I ended up only paying $47.76 with a verified total savings of $92.89.

How did I do that?

I saved more than the coupon value because of double coupons. Double coupons are coupons that are scanned twice to save the customer double the amount. For example, if the grocery coupon was good for $1.00 off, you would end up saving $2.00 because of double coupons, imagine if you had printed a coupon that was $2.00 off! This is an automatic savings feature at the grocery store. But note that not all grocery stores are the same!

As of today, in my area, only Ralphs doubles all their coupons automatically. It used to be that both Ralphs and Vons doubled their coupons but Vons Grocery Store had discontinued their program. Couple the double coupon savings at Ralphs with their Ralphs Club program (a program with free membership that allows additional savings) and you can save up to triple the coupon amount.

Using this method, I ended up paying

* $1.00 for laundry detergents

* $4.50 for jumbo size Pull-up diapers

* $5.00 for jumbo size Huggies & Pamper diapers

* $1.00 for a large container of baby wipes

* $0.00 (free) for a 64 oz bottle of Juicy Juice

and so forth.

What is the work involved in clipping coupons, free printable coupons and using them to their maximum capacity?

* First, print your free printable coupons.

* Second, check the grocery advertisements that are mailed out each week. Look for items on sale and use the coupon then.

* Third, make sure you use the coupons at Ralphs Grocery Store (or any other grocery stores with double coupon offer) if they are having sales on the item in which you have the coupon. Sometimes other grocery store (which does not have the double coupon program) may have an item on sale that Ralphs does not. In this case, using the grocery coupons at the other grocery stores may end up giving you a greater savings.

Furthermore, you can save even more when you purchase your groceries with a credit card that give 5% or 6% cash back (please refer to my credit card article). If you pay $100 in groceries with a cash back credit card, you can get $5 or $6 cash back.

Since doing all these steps, I have found that my grocery costs have dropped down to a third or half of what it used to cost. I am able to save money as well as buy more quantity and higher quality foods for my family because of this and I get to try new foods that I would not otherwise buy!

For those with children on a low income budget, consider government assisted programs such as WIC. WIC stands for Women, Infants, and Children. This program helps families with children to buy the necessary foods without cost. For more information, go to the WIC Program

Donate Toys and Help the Needy

admin — Sat, 27 Nov 2010 11:38:03 +0000

If you are looking to make a donation, deciding who to donate to or what to donate can be a grand task on its own given the huge number of options available to you. For this reason I would ask you to spend the next few moments to read here and see how you can donate toys to the charity or hospital of your choice, and you even get to select what toy to donate.

I appreciate there are many alternatives to this, however after you have read and understood how this system works you will see that this method can bring happiness to a vast number of people – starting at home in your own life, then passing through but not stopping at, the child who is in a less fortunate position than ourselves, and the loved ones and healthcare workers of that child. In fact, it is overwhelming to think of the happiness that can be created when you donate toys – imagine if you were to do this twice. Imagine still, that you were to do this once a month, what an immense impact you could have on your local community, or even more so – on the community of the United States.

So you know the positive and massive effect that can be made by you when you donate toys, but how do you do it? This part is the easy bit, and after seeing how easy it is you may ask yourself why you haven’t been a part of this process before now, but that’s fine – it’s never too late and now is as good a time as any. Simply visit the Wonfurwons site – this is where your contribution begins. When you purchase one of the plush stuffed animals from the collection, you have the option to register the stuffed animal with the company and select another from the wide range available. This will be the stuffed animal that is donated. After selecting your stuffed animals, you can then go on to select the hospital or organization that you would like the stuffed animal to go to – revolutionizing the way you donate toys and making the whole experience a very personal one. As opposed to so many donation options where your donation is, of course, appreciated but remains a drop in the ocean, and you have control over the way the donation will impact the recipient.

So now you have the knowledge of how and who can benefit when you opt to donate toys, and you are also aware of a great method to do this – which is as personalized as donations can be. Visit www.wonfurwons.com and start the experience that has an immense number of beneficiaries, starting with yourself and your loved one that you choose to purchase the stuffed animal for and flowing through to a needy child, brightening their day and even going beyond this.

Prevent Acid Reflux Naturally, Safely And Most Importantly, Without Drug Based Medication

admin — Fri, 20 Aug 2010 00:31:49 +0000

As an acid reflux sufferer you will know only too well how distressing the heartburn that is causes can be and how much of a blight it can be on your life. You take your medication and it does give you relief, so why should you even consider how you can prevent acid reflux, naturally? What benefits can you gain?

Imagine being free of the distress of heartburn without having to rely on medication to achieve it. What difference would that make to your life? Don’t imagine, read on and find out you can achieve it.

Conventional medications will certainly provide relief from your heartburn but they all have one particular drawback and that is they only provide temporary relief. They also have a particularly important flaw and that is they only deal with the symptoms of heartburn and do not treat the causes of the acid reflux that trigger it. This why, as soon as you stop taking your medication, back will come your problem and then you have to start taking your medication again.

There is another drawback with these conventional medications which is causing concern for many sufferers. This is the very real problem with drug based medications, related to the many adverse and potentially serious side effects that they are known to produce.

So how can you break the vicious circle of “problem” and “medication”.

Well firstly you need to realise that there is a vast field of alternative remedies and treatments that are totally natural and drug free. There is a wealth of published information which proves that they give equally effective relief as conventional medication but prevent acid reflux without producing any adverse side effects.

Furthermore, these natural remedies will target the specific causes of acid reflux and not simply treat the symptoms. Consequently, they provide a more efficient, long term treatment.

However, as diet and lifestyle produce the major triggers for heartburn then, before any form of medication is taken, you should determine what these triggers are, in your case and eliminate them or avoid them. Then, you can combine these changes in diet and lifestyle with a course of totally natural medication, aimed specifically at the causes of your heartburn.

The result will be a highly effective program of treatment that will prevent acid reflux from occurring and give natural and long term relief from your problem. Crucially, as it does not involve any drug based medication, it is totally safe.

This philosophy has been the basis of a long-term investigation into the causes of acid reflux, which has resulted in the development of a totally natural, holistic program of treatment. By following the guidance provided in this unique course of treatment, you will discover the means to prevent acid reflux naturally and most significantly, permanently.

A permanent cure for heartburn – how good is that?

What is the deductible?

admin — Sun, 21 Feb 2010 14:34:30 +0000

This is the word you see most often when insurance companies talk about the best way to get a reduction in your premium rates. All you have to do, the smooth voice says, is increase the deductible and we’ll give you a 10% discount. And, it’s a fact. It sounds like a good deal. So why are insurance companies so keen for you to increase the deductible? The answer could not be more simple. Whatever deductible you sign up for is the amount you pay if you are involved in a traffic accident or incur a liability of some kind connected with your ownership of a vehicle. That means you pay and not the insurance company. For insurer this is a cool idea. You insure yourself. All the premium pays for is cover in case your losses amount to more than the deductible. This is really great. The insurer collects a premium and you pay the first however many dollars of the claim. Since the majority of claims are for small amounts – fender benders rarely cost that much to repair – the insurer is on a winner. In fact, the bigger the deductible you sign up to accept, the better off the insurance company is. OK, the company does give you a discount, but it’s rarely an adequate amount.

Let’s see how it works out. Suppose you opt to pay the first $1,000 of every claim and the insurer gives you a 10% discount, are your savings $83 a month? If they are and you are unlucky enough to have an accident at the end of the year, you will have broken even. Your $1,000 in savings just got paid out as a lump sum at the end of the year. Except, of course, there’s a Parkinson’s Law of money in operation – spending wipes out money available. In other words, we usually spend what we have. This leaves you without savings and so that cash sum has to go on your credit card with interest until you can pay it off. In reality, most people end up out of pocket if they have to pay the deductible on one accident. Now imagine the case if your luck is really bad and you have two accidents in the same year. Do you really have $2,000 lying around on the off chance of two insurance claims?

Now before we get all depressed, there are a range of other ways in which you can save money on your premiums without increasing the deductible. Use the online search engine on this site to get auto insurance quotes from as many companies as possible. Explore the different options. If you have the cash or can borrow, think about changing to a make and model of car that’s cheaper to insure. If there’s no chance of trading to a less expensive vehicle, look at the options of driving less, building up a driving record with no moving traffic violations and no claims, bundling your home insurance with the same company, and so on. All the companies offer different discounts and savings. By getting multiple auto insurance quotes, you can judge which discounts will give you the best overall savings. You should only increase the deductible if you can genuinely afford to pay out that initial sum and you are feeling lucky. If there are no other discounts or savings, and you are desperate, then playing with the deductible will reduce your premium. Once committed, it’s all down to the power of prayer to keep you financially safe.

Internet Marketing Advantages info

admin — Mon, 17 Aug 2009 07:11:29 +0000

The best and most efficient way to market and advertise for your business is by doing so through the internet. This is especially true if you have a website for your business that customers can use. This means of marketing is the best bang for your dollar and is much more successful than trying more traditional means of advertising. Here are just a few of the advantages of marketing via the internet to consider:

Imagine how many people go online to research products or businesses, or use the internet to shop. This number is the in the amount of hundreds of millions. What other means of marketing can give you that type of exposure for your business? The amount of exposure your company will receive by using a smart and well planned advertising campaign is astronomical. If you want to take your company to the next level your first step should be the World Wide Web.

Another key advantage of internet marketing is that it can be done using any type of budget. With methods like pay per click and search engine optimization it is up to you on how much money you spend. The more exposure you want your business to have the more you will spend. You will also be able to track how well the marketing is doing by using a system like pay per click. Be able to keep track of exactly how much you spend and how much traffic you are generating from your marketing campaign sets this type of advertising apart from other forms.

Another market that is great to tap into and can end up being very beneficial is by concentrating your marketing efforts to local searches only. This will save you money and will make it easier for your company to grow at a pace you are comfortable with. No matter what people are looking to buy or what service they are seeking usually they go online first before heading down the street to the store. Having your company come up before all the other local businesses will increase the amount of customers you have drastically.

The advantages of internet marketing are nearly endless. Because there are so many different methods and plans to choose from there is something that will work with any type of business. If you want to increase the amount of traffic your website sees or increase the amount of daily customers you have you should look into starting an internet marketing campaign.

Internet Marketing Services

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