Energy Saving Tips for Every Home Owners and Renters

Posted on May 5, 2012 by UltimateSmartMoney

How high does your home electric & gas bill reach?  Many home owners and renters are trying to cut their energy cost because it can get very high if you stop controlling your energy use.  However, people who are not yet independent may not be aware of how high the energy cost can be.  Most people are aware that it takes more energy to heat your home compared to cooling your home, which means energy bill is higher during winter than summer.  I live in a single family house that is about 3000 square feet of living space including basement and my energy bill ranges from $125 – $360 per month in a 12 month cycle.  Here’s what I do to lower my energy cost as much as possible. Continue reading →

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Don’t gamble with your money

Posted on April 27, 2012 by Guest

There are numerous ways in which individuals can invest their money. Purchasing stocks and bonds, placing the money into money markets or CD’s, or building a portfolio that contains a variety of investments are some of the ways that are popular among investors. Though the reasons are different for many and the lengths of time vary, the goal of each and every person that puts their money into any investment vehicle is the same. They wish to increase the value of their money over time without effort. The money must multiply in order for the investment to be considered a success. Continue reading →

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A SMART Way to Use Credit Cards

Posted on April 24, 2012 by UltimateSmartMoney

Believe it or not, credit cards do have many benefits.  If you are a SMART credit card user, then you can take advantage of their cash back, bonus points and even airline miles.  You can also use credit card to increase your credit scores.  Unfortunately, many people get into financial trouble by depending too much on their multiple credit cards.  So as a credit card user, you should follow the guidance listed below so that you can be SMART about credit cards. Continue reading →

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Koreans Go Grocery Shopping at Metro Station

Posted on April 7, 2012 by UltimateSmartMoney

I recently ran into this YouTube video on how one of the supermarket chains in Korea is implementing virtual supermarket stores at various subway or metro stations.  This virtual supermarkets are on the walls of the stations and looks just like the shelves at the supermarket.  Each grocery products have a QR code, which can be scanned using their Smartphones.  At the checkout, the users pay via their Smartphone and the grocery items are hand delivered directly to their house in the evening time.  Continue reading →

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5 Reasons to File Your Tax Return Using TaxAct

Posted on April 1, 2012 by UltimateSmartMoney

One of my least favorite things to do is filing my tax return.  When the new year comes around, I start getting worried because of this.  Not only do I have to itemize everything including mortgage interests, property taxes, and donations, I also have to worry about investments and rental property.  Not to mention the cost associated with filing taxes. Continue reading →

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Hit The Jackpot, Mega Millions at World Record $540 Million

Posted on March 30, 2012 by UltimateSmartMoney

I could not believe when I heard on the radio on Wednesday morning that nobody hit this past Tuesday’s Mega Millions drawing.  Of course the next day at work, everyone  started to talk about this Friday’s drawing.  Ten people eventually decided to chip in $5 each and bought $50 worth of tickets and I was one of these two people.  Obviously, we’re not going to hit the jackpot.  But, it is little exciting to think about the potential… Continue reading →

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