Personal Finance for College Graduates - The Frugal Toad

Graduating college is an exciting time in your life. ?You are finally on your own and facing many important decisions such as what career path to choose or where to relocate. Decisions made now can have a big impact on your potential income and living expenses. ?If I could offer one piece of personal finance advice to a new college graduate it would be to start saving money as soon as possible. ?Here are several other tips to get you on the road to financial success.

Choose your first job carefully. ?Choosing a first job as a new college graduate is one of the most important career decisions you will ever make so it is important to take your time and do your due diligence. ?The best way to make an informed decision is to make a list of factors to consider and weighting?them based upon how important they are to you. ?For instance, if opportunities for promotion and growth rank higher than job location for you, it would score higher. ?Using a weighted system to evaluate job opportunities results in a more objective evaluation.

Don?t buy a new car. ?The first thing many college graduates buy is a new car. ?Big mistake. ?By saddling yourself with debt right out of college you lock yourself into a monthly payment that will make it difficult to budget for other items. ?New cars lose an average of 20%-30% in the first year so if you put down less than 30% you are potentially putting yourself in a negative equity situation.

Educate yourself about personal finance. ?One of the best things you can do for your financial success is to learn as much as you can about money management. ?A few recommended books are: The Automatic Millionaire by David Bach,?Your Money Or Your Life by Joe Dominguez and Vicki Robin, and?The Total Money Makeover by Dave Ramsey. ?A few websites that I would recommend reading are: MyMoney.gov, The Consumerist, Kiplinger, and Wisebread. ?Another great resource is the Wisebread- Top Personal Finance Blogs?, a collection of the best personal finance blogs on the internet.

Enroll in a 401k for the maxiumum. ?Many employers are now enrolling new hires automatically in 401k programs however the downside is that some programs set the contribution rate under 5%. ?Perhaps the single most important financial decision you will ever make is how much you contribute to your retirement account. ?As a new grad you have time on your side and the more you contribute now the faster your investment account will grow. ?The maximum amount you can contribute to a 401K in 2012 is $17,000 and while you may not be able to contribute the maximum right out of college, contributing 12%-15% should be your goal. ?You should invest at least the minimum to qualify for any employer match and depending on your age, select the Roth 401k if you have the option.

Use?Credit Cards wisely. ?One of the biggest mistakes you can make as a new college graduate is to develop an appetite for debt. ?Credit Cards if used wisely can provide benefits such as loyalty rewards, insurance coverage, buyer protection, and can help improve your credit rating. ?Credit cards can also lead to expensive fees and damaged credit so they should be used with care. ?My recommendation would be to save up for major purchases and pay with cash. ?The next best alternative is to take advantage of no-interest financing.

Start an emergency fund. ?An emergency fund is for unexpected expenses such as an illness, loss of job, or a major expense. ?Set aside an amount each month so that you will be able to have a minimum of $1000 by the end of the first year. ? One of the key benefits of an emergency fund is that you are less likely to rely on a credit card to pay for emergency expenses.

Start?payments on your student loans. ?As a new grad you most likely will have school related debt that you will need to start paying. ?By making payments on your loan obligation you are building a credit history which will be necessary down the road when you are in a position to buy a home. ?Unfortunately the consequences for not repaying your student loans are severe. ?The IRS has the authority to garnish your tax refunds, and the Department of Education has the authority to garnish your paycheck. ?Your credit can be adversely affected for many years as well.

Don?t buy a home. ?Owning a home is typically more expensive than renting when you take into all the costs of home ownership. ?One of the most underestimated costs of homeownership is maintenance. ?The average dishwasher costs $400 and you can expect to pay another $150 for installation. ?A new washer and dryer will set you back around $1500 and a new refrigerator $800-$2500. ?A new air conditioning system will cost between $4000-$8000. ?Are you beginning to understand how expensive owning a home can be?

Get Insurance coverage as soon as possible. ?As a recent college ?graduate you have the option of remaining on your Parent?s health insurance policy until you reach age 26. ?If that is not an option, your employer is required to make health insurance coverage available to you and you should enroll so that you are covered for dental, vision, and medical coverage. ?A trip to the emergency room can cost thousands of dollars so the value of having health insurance coverage can not be over stated.

What personal finance advice would you give a recent college graduate?

Source: http://www.thefrugaltoad.com/personalfinance/personal-finance-for-college-graduates/

sag nominations derek jeter time magazine person of the year time magazine person of the year la clippers verizon galaxy nexus verizon galaxy nexus

What, Newt Worry? Gingrich Isn't Going Anywhere (ABC News)

Share With Friends: | | Politics - Top Stories News, News Feeds and News via Feedzilla.

Source: http://news.feedzilla.com/en_us/stories/politics/top-stories/200092358?client_source=feed&format=rss

gla virginia tech mike martz hokies norv turner quadrantid jerry angelo

Writing Articles That Convert Readers Into Subscribers

Published by Robertson | February 14, 2012 | | 91

The main goal that you should have with your article marketing campaign is to turn readers into subscribers. Why?? Because subscribers become buyers and this is how you turn your website into a legitimate source of income for yourself.

How do you write articles that turn readers into subscribers?

1.? Your article should do a good job of projecting your expertise on the subject that you are writing about.?? Even if you are an affiliate marketer,? you should be writing articles that show that you know about the subject that your article is about.

If you just regurgitate what everyone else is writing about,? then there is no way to make yourself stand out.? When you stand out,? you make sales.

2.? Don?t write just for the sale.? Now this may sound a little bit counter intuitive,? but your article?s only job is to get the reader to click through to your website with the impression that they are going to receive valuable information.

Writing just for the sale makes you sound like a pushy salesman and nothing more.? And this will quickly turn off ANYONE that is interested in your product or your service.

3.? Make the reader feel comfortable.? In many niches,? it is better to come of as just a regular person that just happens to know a lot about a particular subject,? than it is to project yourself as a GURU.? Many people are weary of people that present themselves in this way.

Writing articles can help you to attract a TON of traffic that will convert and take action with your offers and to sign up on your list of subscribers.

Source: http://www.1directory.net/writing-speaking/writing-articles-that-convert-readers-into-subscribers-4045.html

smokin joe conrad murray verdict tappan zee bridge jessica chastain jessica chastain nook tablet eagles

MIT's Error Correcting Codes Will Fix Your Crappy Wireless Reception [Wireless]

It doesn't matter how many signal relay towers blanket your city, the quality of your wireless reception can often change drastically—sometimes within a few steps. But MIT researchers think they've figured out how to improve reception using error correcting codes that work regardless of signal noise. More »

Source: http://feeds.gawker.com/~r/gizmodo/full/~3/NgAPu1JzirM/mits-error-correcting-codes-will-fix-your-crappy-wireless-reception

big ten acc challenge 2011 john wayne gacy amr jack del rio fired jack del rio fired made in america made in america

KB5B.net ? Blog Archive ? Panasonic Phone Systems

Published by ben on 13th February 2012

Panasonic is one of the largest electronics businesses in the world. It offers a wide array of products for use, both at home as well as in business. Its brand name of telephone systems are made to cater for the various communication needs of businesses. These phone methods mix multiple features without difficulty of use that leads to increased productiveness and price reduction in numerous businesses.

The anasonic Telephone System Network Communication Platforms provide sophisticated all in one options that are set to satisfy the communication needs of most businesses. These productiveness applications simplify all of the company?s information exchange by providing more effective indicates of communicating with both their employees and clients. Network communication platforms also allow accessibility at all occasions and places to a number of company communication programs. This is accomplished via an extensive range of intelligent and consumer friendly gadgets which are both wired and wireless.

The Panasonic IP Company telephone methods offer the company flexible options that can be networked to match perfectly in today?s changing business landscape. Their versatile features easily support among other people: numerous offices, a cellular workforce and scalability when it comes to altering staff sizes. Web Protocol (IP) phones are able to providing little and medium sized companies using the communications management energy that?s accessible to big firms. They consist of features such as integrated voice messaging for the office and productivity software program. These methods also offer support to get a variety of end points which consist of IP, SIP, analog wireless and digital. Additionally they provide flexibility along with all their business functions.

Electronic phone methods are perfect for that growing company whose success is pegged on providing hands on and personalized solutions to their clients. Little companies are needed to be continuously in touch with their clients and colleagues who must also maintain in contact with one another. With this particular item, Panasonic has the ultimate solution. It creates an smart, flexible and however affordable way to deliver communication to some small business at any place or time. This series offers easy support for each digital and analog phones from Panasonic. Additionally, it offers support for SIP trunking and an inauguration into IP phones without impacting or rendering their prior handset methods invalid.

The SOHO business telephone method from Panasonic offers businesses with a wide selection of options which assistance a number of types of proprietary phone kinds and designs. It allows employees to get and make calls from remote offices or perhaps from home. This implies employees can work from anyplace, therefore sustaining productivity. The system also supports get in touch with management and different computer telephony software. It is also useful in terms of saving the costs of the little company.

This entry was posted on Monday, February 13th, 2012 at 3:55 am and is filed under Uncategorized. You can follow any responses to this entry through the RSS 2.0 feed. Both comments and pings are currently closed.

Source: http://kb5b.net/?p=1620

pujols mythbusters miami marlins hanley ramirez blago mumia abu jamal mumia abu jamal

How To Select Floor Machine For A Maximum ... - Home Improvement

In most industry, labor represents 90 percent or more of the total expense of cleaning green. Which means that management must have a better cleaning system that lowers their own cleaning costs while maximizing efficiency.

One most practical method is the usage of automated cleaning green machine that can lead to greater productivity. Why? Ground machines are generally known associated with its efficiency on cleanup floors. It may clean wider cleaning paths in a shorter time effectively. Flooring machines can to execute multiple operations with a single machine.

A lot of cleaning green tools are you can purchase today and selecting the best is very important and requires careful consideration based on your cleaning need.

Gear Features ? the particular designed options that come with equipment can help increase employees productivity and decrease overall cleaning time while reducing the total cleaning charge. Duplex flooring machines offer you different unique features. They are able to clean large carpeted or perhaps hard ground areas within lesser time; highly maneuverable machine that cleans to the very edge and allows operators to work faster with less fatigue; more to the point, the idea reduces normal water usage. Battery pack powered such as Dupla floor scrubber truly has 1 great feature rendering it perfect for cleaning excessive traffic areas.

Multi-function Machines ? equipment that performs several operations boost productivity. One cleaning pass get rid of the need for workers to execute a variety of tasks creating cleaning green quicker. Like Duplex Salla ground machine, it features a unique multi-purpose design to operate four distinct tasks in one machine. It could be transformed into wet/dry vacuum, floor washing machine, sweeper and scrubber/dryer which are very helpful in challenging industries.

Durability ? ground machines shouldn?t only perform efficiently but additionally can stand test of cleaning times. Toughness is one essential aspect to think about in picking out cleaning green machines. Buying less costly floor machine that will only last for just two years or less isn?t a wise and cost-effective approach. For 20 years now, Duplex floor machines have proven it is durability on the market and still counting.

Minimal Equipment Maintenance ? flooring machines that are an easy task to clean and maintain will last longer. One should also ensure that there?s something available nearby to keep the apparatus running all the time.

Every Duplex cleaning green machine is made uniquely to do most useful atlanta divorce attorneys cleaning time which includes a greatest efficiency in fighting against dirt, airborne dirt and dust, grime and grease. This kind of ability contributes to the highest degree of floor-cleaning productivity as well as the cost efficiency of the business.

Related posts:

1. Select Proper National City Carpet Cleaning Machine To Keep A Dust Cost-free Home
2. Things To Consider When Choosing A Escondido Carpet Cleaning Machine
3. Info Center Cleaning, Sub Floor Cleaning, Computer Space Cleaning Thoroughly Clean Now
4. Finding The Best Contractors For General Public Building Floor Cleaning
5. Keep Your Floor Protected With Concrete Floor Coloring

Tweet

Source: http://homeimprovement24.com/how-to-select-floor-machine-for-a-maximum-productiveness-at-smallest-cleaning-charge/

occupy midnight madness midnight madness john henry john henry zack greinke zack greinke

Callaway RAZR X Hybrid at wholesale golf clubs in 2011

?

 In modern times,golf get more and more famous,then there is no doubt that golf item is a hot topic,so how are the golf lover?s reactions? The answer is positive, take me as an example,I pay attention to golf items on website every day, and collecting golf information is my habit,or I can say that I am enthusiastic over golf information.let me think,after a busy official duty,hum songs to search the golf information on computer at home,and chat with good friends who also love golf, that is really an enjoyment,even a relaxation!  Callaway RAZR X Hybrid attracted me last night,whatever the color,size,outline,and material. it is high-grade.besides,its price is pretty low,the appearance is very great, moreover,it touches good.  Accordind to the survey,Callaway is a huge name in golf and they have created many top products including the Callaway RAZR X Hybrids. These hybrids are made with a zero roll design so that golfers can hit higher and longer shots. They are considered an intertia driven club and are very playable for many types of golfers.meanwhile, They offer a faster ball speed off the face and they are available in both a standard model and a tour model. These are designed to be a more forgiving hybrid and it was even said that they are more forgiving than your grandmother.  The features as follow: The Key Benefits of Callaway RAZR X Hybrids: 1: Built for Power and Precision 2: VFT Technology to increase the size of the sweet spot 3: Razr X zero roll design to produce higher launch angles and more distance 4: Inertia driven club for more forgiveness and straighter shots 5:Built with an offset to make it easier to square the club face 6: Hybrid designed specifically for Women  The Callaway RAZR X Hybrid is uncompromised performance. The RAZR X Hybrid leverages the new Zero Roll Design to help golfers hit higher and longer shots, even when struck low on the face. These inertia-driven clubs are highly playable and offer hot ball speeds so players can dial in their ideal performance. The RAZR X Hybrid clubface with zero roll produces a higher launch angle on shots hit low on the face, increasing distance with softer landings.Increased head size of the standard RAZR X Hybrid model creates better forgiveness and produces shots that fly higher, longer and straighter.Precision shaping of the RAZR X Hybrid clubface thickness increases the size of the sweet spot and generates hotter ball speeds for longer distance.Standard RAZR X Hybrid models have an offset hosel to help square the clubface at impact while providing a look at address that boosts confidence. RAZR X Tour models have less offset to enhance workability.  This is all the information I knew on Internet,if you are the golf fans, welcome to chat with me about wholesale golf club.  

Source: http://entertainment.ezinemark.com/callaway-razr-x-hybrid-at-wholesale-golf-clubs-in-2011-7d33e6e0d33d.html

nfl playoff picture ryan seacrest sat cheating scandal the secret life of bees kyle orton kyle orton diners drive ins and dives