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Love to Go Shopping?
Well, who doesn't enjoy shopping for new treasures? A nice fun bonus and a chance to show off your new things!
In today's world their are simply so many great retailers and service providors offering almost everything under the sun.
Want To SAVE MONEY While Shopping?
Perhaps a rhetorical question - but here are a few helpful shopping tips you may not have thought of.
Shopping for Airline Fares?
1. Compare low-cost carriers with major carriers that fly to your destination. Remember, the best fares may not be out of the airport closest to you.
2. You may save by including a Saturday evening stay-over or by purchasing the ticket at least 14 days in advance. Ask which days of the week and times of the day have the lowest fare. 3. Even if you are using a travel agent, check airline and Internet travel sites, and look for special deals. If you call, always ask for the lowest fare to your destination.
Shopping for Rental Cars?
1. Since car rental rates can vary greatly, compare total price (including taxes and surcharge) and take advantage of any special offers and membership discounts.
2. Rental car companies offer various insurance and waiver options. Check with your automobile insurance agent and credit card company in advance to avoid duplicating any coverage you may already have. Shopping for Life Insurance?
1. If you want insurance protection only, and not a savings and investment product, buy a term life insurance policy.
2. If you want to buy a whole life, universal life, or other cash value policy, plan to hold it for at least 15 years. Canceling these policies after only a few years can more than double your life insurance costs. That's no bonus.
Shopping for... Home Equity Loans?
1. Be cautious in taking out home equity loans. The loans reduce or may even eliminate the equity that you have built up in your home.
(Equity is the cash you would have if you sold your house and paid off your mortgage loans.) < If you are unable to make payments on home equity loans, you could lose your home. 2. Compare home equity loans offered by at least four reputable lending institutions. Consider the interest rate on the loan and the annual percentage rate (APR), which includes other costs, such as origination fees, discount points, mortgage insurance, and other fees. Ask if the rate changes, and if so, how it is calculated and how frequently, as this will affect the amount of your monthly payments. 
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