Life is short - begin every day with a smile!
If you’re like me you probably have at least half a dozen keys on your key-ring, and chances are several of them look just alike.
That can make it difficult to quickly identify the exact key you need, and that’s no fun when you’re standing outside in the cold and rain fumbling with one key after another till you find the right one.
Luckily, there’s a very simple way to mark your keys so you’ll always be able to find the right one at a glance.
It’s always been a good idea to review your credit report for errors and omissions every now and then, but with identity theft happening so often these days it’s absolutely critical that you keep an even closer check on it than ever.
Credit reporting agencies used to charge a fee every time someone asked for a copy of their own credit report, but now the federal government requires them to provide every American with one free copy per year.
Be aware that there are several private companies that offer “free” credit reports, but those companies all require something in exchange. Most experts recommend steering clear of those websites.
Do you buy a bag of ice every time you pack your cooler for a camping trip or a family picnic?
Does that ice tend to melt sooner than it should, leaving you with a bunch of soggy food and lukewarm drinks?
Well, I’m going to suggest an awesome and dirt-cheap alternative…
If you’re one of the millions of Americans making mortgage payments every month you probably dread having to write out that big check every time the next one comes due.
And if you’re a typical borrower with a thirty year mortgage, you probably know you’ll be writing out a grand total of 360 of those large checks.
What’s more, you probably know you’ll likely end up paying about as much in interest over the course of the loan as you borrowed in the first place!
If you’re unsure what I mean, here’s an example courtesy of Bankrate.com:
If you enjoy eating out you’re probably used to leaving a tip for good service after you’ve finished enjoying your meal.
If you happen to be one of the millions of Americans who struggle with doing math in your head, I’m going to show you a simple trick for quickly calculating the amount you’ll need to leave for a tip.
And you won’t need a calculator or a pen and paper to do it!