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How To Protect Yourself In An Economic Crisis

Does the current economic crisis have you worried? Are you wondering how to achieve financial freedom so you can protect yourself and your family from the coming financial crash? Here is what you need to know.

The first thing you need to understand is what the word economics means in terms of thinking about your family, and how you can use what it means to your financial advantage.

Forget what the media says about economics when they talk about the roller coaster ride o...

economic crisis,economy,finance,money,credit card,income,savings plan,financial freedom,economics

Does the current economic crisis have you worried? Are you wondering how to achieve financial freedom so you can protect yourself and your family from the coming financial crash? Here is what you need to know.

The first thing you need to understand is what the word economics means in terms of thinking about your family, and how you can use what it means to your financial advantage.

Forget what the media says about economics when they talk about the roller coaster ride of the stock market, supply and demand, inflation, banking industry mortgage defaults and the unemployment rate. Those are ‘economic characteristics’ that measure an area much larger than you can control.

What you can control is your own household economics. The definition of economics I am using is the original one; meaning “the art or science of managing a household or business.” And that is something that you, as an individual, can control.

There is an art to managing a household. It takes having certain skills and abilities, like organizing things so they run smoothly. There is a science of managing a household, especially in the area involving money. Here is what you can do to make sure that the economics of your household are strong and stable, even though the economy of the country may be on the slippery slide to disaster.

1 – Spend Less Than You Make

Take a lesson from your parents or grandparents who made very little, but lived very well. Keep expenses down to a level below what you bring home in your paycheck after taxes. The fastest road to financial disaster is spending more than you make. It’s possible to maintain your quality of life while cutting optional spending. This can be done by doing something as simple as renting a movie and making popcorn at home instead of going to the theatre, to buying a new used car instead of a brand new car.

2 – Pay CASH

Every time you purchase something using credit cards that you cannot pay off as soon as the statement arrives, you are committing your future earnings to the credit company. Those future earnings will be needed to pay your regular household expenses, so you end up in economic slavery known as the credit trap. The exception is purchasing property that increases in value, such as buying a home or investing in a commercial building that puts more income in your pocket.

Tip: When paying with cash; negotiate a cash discount. When the economy is sliding down and credit is harder to get, the guy with the cash is king. In addition, find out how to buy wholesale instead of retail to further lower your cost.

3 – Make the Money BEFORE Spending It

If there is some large purchase you need to make or want to make in the future, start putting small amounts in a savings account towards that purchase and keep that up until you have the cash to pay for it. If you have 10 years before your child enters college, then find out what the tuition will be and figure out how much you have to put away every week to have the cash the year they graduate from high school. Plus apply for every student scholarship, grant or financial aid package you can locate.

4 – Stash Some Cash for Emergencies and Living Expenses

Nothing will make you sleep better at night than the financial freedom of having some cash tucked away for emergencies like having to get the car repaired, needing some unexpected dental work or losing a job. When you have a cash cushion you can get your hands on immediately, then magically, you stop worrying about money, your attention goes back on living life and enjoying it, and making money suddenly gets easier.

The only thing you have to fear in an economic crisis is not having some cash reserves in a savings plan you can immediately get your hands on. Did you know that more millionaires were made during the Great Depression in the United States than during any other era in our history? How did that happen? In that time, the economy crashed, the stock market crashed, inflation took prices of everything through the roof, the unemployment rate went sky high as businesses closed, and people who lost their jobs also lost their homes.

The people who had cash stashed away were able to buy houses, property and whole companies for pennies on the dollar. They ended up being millionaires because they had enough cash to weather the storm called the Depression.

Out of every bit of income that comes in the door, immediately carve off 10% and put it in a savings account that you have designated for your cash cushion. Even if you have to work an extra job and cut expenses on top of that, JUST DO IT! As the weeks roll by you’ll find you sleep better at night and walk through life with a lot more confidence knowing you have achieved financial freedom and have protected yourself from the economic crisis looming on the horizon.

 

How To Protect Yourself When Buying Model Trains On The Internet

The internet is one of the best things that has happened to model railroading in recent years. It's never been easier to find a huge selection of trains and accessories, from anywhere in the world.

No longer do you have to wait weeks for your local train store to order something for you. Now you can just hop onto your favorite model train website or even eBay and order the exact piece you want, all within minutes.

There is a downside to the internet's reach though. You ...

model trains, model railroading, buying model trains, model railway

The internet is one of the best things that has happened to model railroading in recent years. It's never been easier to find a huge selection of trains and accessories, from anywhere in the world.

No longer do you have to wait weeks for your local train store to order something for you. Now you can just hop onto your favorite model train website or even eBay and order the exact piece you want, all within minutes.

There is a downside to the internet's reach though. You don't always know exactly what you're getting and it's easy to be fooled by an inaccurate description or misleading images.

These issues can be avoided, however, with some simple guidelines.

1. Buy from a reputable dealer
2. Buy brands and products lines that you have some experience and are familiar with
3. Ensure the website offers a good return guarantee
4. Use a credit card or some other payment method that provides you with protection in case of a problem

If you are unsure of a website's reputation, check with other people who are interested in the hobby. There are plenty of discussion groups and forums for model railroaders where plenty of people visit regularly.

Chances are good that someone has had experience with the website you're looking at - good or bad. People are generally quite happy to share their experiences, especially if they had a bad one.

If you can't find anyone who has dealt with a particular website before, it may be best to find an alternate source. They could just be new, but they could also be some kind of fly-by-night operation that may be difficult to deal with.

Most model train enthusiasts will continue to buy more equipment and accessories over time. For this reason, you will likely be developing a relationship with the vendors you like. Spending a little time to research them up front will ensure that you have a good experience and will find a vendor that you can continue to deal with for years to come.

 

How to Protect Yourself When Purchasing a Home

When you are purchasing a home, whether it is your first or not, it is important that you protect yourself and your investment. Many people will make sure their appliances have warranties, as well as their vehicles. Most people will not make a big purchase like those without a warranty, so why is it that so many people make the biggest purchase of their lives (a home) and do not get a warranty?

Home Owner Warranty, Home Buyer Warranty, Home Seller Warranty, Homeowner Program, Air conditioner Repair, Furnace Repair, Appliance Repair

When you are purchasing a home, whether it is your first or not, it is important that you protect yourself and your investment. Many people will make sure their appliances have warranties, as well as their vehicles. Most people will not make a big purchase like those without a warranty, so why is it that so many people make the biggest purchase of their lives (a home) and do not get a warranty?

There are many things you can do to protect yourself when you buy a home but probably foremost is ensuring that you have a warranty on that home. A home warranty is not a new product - in fact, home warranties have been around for quite some time. In the past, however, most people thought that home warranties were only offered by builders on new homes, but that is not the case. In fact, you can purchase a home warranty on any home, new or used.

Usually, either the buyer or the seller will purchase a home warranty. A buyer purchases a home warranty on an older home to safeguard themselves from any major repairs that need to be done that can't be seen on inspection, or foreseen. It's hard to tell that the water heater or furnace is about ready to kick the bucket and need replacing from looking at it. A home warranty protects from those repairs and replacements for the term of the policy. A seller will purchase a home warranty for the home they are selling as a selling feature. A home warranty helps secure their pricing near where it's listed at. Also, many homes that come with a home warranty will sell much quicker than one without.

With this, it is important then that when you are purchasing a home that you ensure you have a home warranty. A home warranty will save you a lot of time, money and trouble if something major should go wrong. In most cases, a home warranty will cover:<ul>
<li>Air conditioning system
<li>Built in dishwasher
<li>Built in microwave
<li>Built in trash compactor
<li>Ceiling fans
<li>Central heating unit
<li>Duct work
<li>Electrical systems
<li>Garbage disposal unit
<li>Plumbing systems
<li>Refrigerator
<li>The oven or range
<li>Washer and dryer
<li>Water heater</li></ul>

Here is a list of things that are generally not covered with a home warranty:<ul>
<li>Outdoor sprinkler systems
<li>Outdoor water systems
<li>Faucet repairs (unless otherwise stated in the policy)
<li>Spas (you can request/add this coverage in some cases)
<li>Pools (you can request/add this coverage in some cases)
<li>Hot tubs (you can request/add this coverage in some cases)
<li>Permit fees
<li>Hauling away debris
<li>Hauling away old appliances</li></ul>

There are items that are often not covered by some plans, which are covered by others, including:<ul>
<li>Washers (because they are not built in to the home and are not always included with a home.)
<li>Dryers (because they are not built in to the home and are not always included with a home.)
<li>Garbage disposals
<li>Garage door openers
<li>Refrigerators</li></ul>

The best thing to do is to talk to the agent you are dealing with and ask what is and isn't covered in detail with your policy. Anything you talk about should be put in writing and signed by the agent. If he says the garbage disposal is covered, then ensure it is written in the policy.

It's best to take some time and do your research if you are purchasing your own home warranty package for a home. The rates, coverage and deductibles vary from company to company, and from state to state. There are many options available to you, so talk to a qualified home warranty agent to discuss what type of home warranty program suits your needs the best.

If you are buying a home that comes with a home warranty, it's important to remember that this type of warranty is non-renewable; whereas if you purchase your own, it is likely able to be renewed when the initial year-long period is up. Again, it's important to ask of the seller what is included and not included in the warranty before purchasing the home. Read through the policy to be sure you are clear on what is and is not covered.

Buying a home is an exciting time, but it can also be quite daunting. You never know what you are getting when you purchase an older home, but a home warranty can help dispel any misgivings you have.




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