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O ne year ago today – Buying a Car from the U.S – The Pros/Cons and Process Interesting Investment Information @ Canadian Money Forum Preparing for a Heat Wave @ Frugal Dad Free Personal Finance Software: Microsoft Money Sunset Version @ Canadian Capitalist Everyday Philanthropy: Simple Ways You Can Start Helping Others Today @ Generation X Finance Previous Lives: Blowing Things Up @ Canadian Dream wealth and intelligence @ brip blap Work Kills a Piece of my Soul Every Day @ Money Smarts Blog What to Let Go to Get to Know Wealth @ The Sun’s Financial Diary Ways to Make Money Online Without Blogging @ The Financial Blogger Home Inspection Services Can Help You Sell @ Money Smart Life How much should a lawyer cost you? @ Thicken My Wallet 3 Year Anniversary – I’m Giving Away another iPad! @ Where Does All My Money Go Thinking of moving your blog? Check out the blog migration services @ Blog Crafted/My Dollar Plan Why is “Free” So Irresistible? @ Michael James on Money Invest in What You Know? (Part 1) @ Lazy Man and Money Getting hot in here @ Carnival of Personal Finance Get Out of Business Liquidation Sales: Not A True Bargain @ The Digerati Life Popular Posts: Canadian Discount Brokerage Comparison Top 6 ways to Save on Auto Insurance High Interest Rate Savings Accounts Top Cash Back Credit Cards in Canada Questrade Review Are Hybrid Vehicles Worth it? Tax Free Savings Account (TFSA) Copyright 2010 MillionDollarJourney – All Rights Reserved

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Buying U.S Cars, Investments and Preparing for a Heat Wave

First things basic, why are you looking to take up a part schedule job? Is it for the reason that you hunger to break away from the routine and. Read the original post: How to Earn Money Online in India Without Investment | Coffe Blog

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How to Earn Money Online in India Without Investment | Coffe Blog

No matter where you’re at financially, implementing one idea can start to save you money instantly. Before you know it, you might even be inspired to start adding a bunch of things together to make your savings account grow in leaps and …

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Use a points/cashback based credit card that gives me the best return for my spending.  In addition, when purchasing items online, I check for cash back Online rewards in addition to using my credit card.
I use basic cable instead of the fancy cable packages.

10 Little Ways We Save Money | Simply Frugal

For those things to save themselves and money , replace the disc brake like is easy to learn and it will save you money . Here is a simple replacement before the end of the brake pads will cost about $ 200 to do for a mechanic. …

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Most people don’t realize how inexpensive term insurance can be these days. The prices have consistently gone done for the last few decades, and chances are they will continue to do so. This is because of the competitive landscape among the different life insurance companies, and also because life expectancy continues to increase. If you want to quickly see how much term insurance would cost for you, I suggest using a term insurance comparison site like http://www.wholesaleinsurance.net. They show all of the top life insurance companies side by side. It’s interesting how much prices can vary from company to company.
Ordering your contacts, less than half of the costs from an eye doctor and I don’t have to pay for an annual eye exam. They ship to the door free of cost for bulk orders. I keep an eye out for companies that will ship for free, and there are a few.

How to Replace Your Own Disk Brakes to Save Money » Shock Replacement

Home business seems to be online one only but it is not the truth. I am going to show you things you need and I am going to give you some advice about things you should work with – by all means. Would you like to work with home business … Excerpt from:  Home Business And Your Ambitions About It « Online Nexus for …

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Home Business And Your Ambitions About It « Online Nexus for …

T his is an article from our regular real estate columnist Rachelle A topic of concern for landlords has been the continued erosion of tenant quality . In the last 13 years since graduated from property management school there have been significant changes in the industry. History Lesson When I first began working the law did not allow for market rents. Rents were controlled. Even if people would gladly pay more for your apartments it was illegal to raise the rent higher than the percentage amount allowed by law. Landlords Want Profit Landlords are not a social service agency, they are in the business to make money . The only way to increase profit in those days was to reduce or eliminate maintenance. Vacancy rates in the city were less than 1%. I’ll always remember a conversation I had at that time with the property manager about an apartment with a giant hole in the ceiling (caused by a leak). I asked him “ Are we going to fix that?” He replied in an arrogant tone “No, someone will take it” What he really meant was that someone would have to take it or live on the street. A tenant did take it a few days later and fixed it himself. In that particular building the only way to get work done was by city work order. Down Payments At the time, down payments on houses were 25%. It took a long time for people to save up the money to buy a home, during that time they rented. These were very good tenants, they took care of things, they paid their rent on time by postdated check. The building industry treated them as though they were trapped and had no choice. Bad Business My thoughts were that this way of treating people was wrong. Just because you can do something, it doesn’t mean you should! It also didn’t make sense to let your building run down to maximize profitability this quarter while accumulating deferred maintenance in the millions of dollars. Treat your customers like dirt at your own peril. Laws Change In 1998 the Tenant Protection Act came into effect. This law allowed for vacancy decontrol of rent. This means that once a unit became vacant the landlord could charge whatever rent the market would bear. Landlords had an incentive to provide better accommodation and charge more rent to those who could pay. Vacancy Rates Vacancy rates were very low and landlords could charge what they wanted as long as people would still rent their apartments. I remember showing a property and having 80 people show up. Condominium Building The Condominium Act became law in 1998 as well. Investors who had previously built apartment buildings began building condominiums. The property taxes on a condo building are about half what rental buildings pay. Developers could take their profits and move on to their next project. The owners of the condominiums took over liability through the condominium corporation for the building envelope and maintenance of very expensive machinery such as elevators, chillers, boilers etc. The Board of Directors were elected and knew absolutely nothing about these complex systems yet became responsible for budgets of millions of dollars. This is just my observation, but I have worked in rental buildings that are 30 – 40 years old that don’t have half the problems that much newer condominiums have. Is it possible that the developer, knowing that they will no longer be responsible for the building 3 years later, will make choices based on economy rather than durability? Down Payments At the same time as landlords were charging more rent and developers were building condos by the thousands, down payments began their downward spiral from 25% to 0% . Migration Our core tenants, the good ones, began a migration from our rental buildings to homes and condos. Why not? If you had a good job and good credit you could buy your own place. I did this myself. I was being treated like dirt by various landlords and became desperate to have my own place. Many homeowners can relate. Slowly but surely the trend began to empty out rental buildings. Quality of Tenant Applicants Decrease Property managers will tell you that the quality of tenants has decreased. I look at applications every day and I can assure you it’s true. We gladly approve applications and take chances just to fill our empty space. Renters are getting poorer as a group. More of them have bad credit and more of them go from place to place without paying rent. Landlord costs may decrease slightly if the apartment is rented but as a whole the base cost for operating a building is the same if the apartment has a paying tenant in it or not. The only reduction in expenses is to water and electricity. So What’s The Good News? The good news is the April 19th of 2010, 0% down payments are no more. An average house price is over $400,000 in Toronto. The new buyer needs to save at least $20,000 for their down payment. That takes time. During the saving period our buyer will have to live somewhere. Some may choose to live with family, but a vast majority will rent. This means lower vacancy rate, improved demand and better quality tenants for the industry. Investors need to put 20% down on an investment property, this means less people getting themselves in trouble by speculating on appreciation. The trend is less demand for houses and better financial stability for the owners of these rental properties. Less people will be buying income properties as the barriers to entry increase. This summer’s rental market has been slow since April. I see this lull decreasing and rents going up and demand for rental accommodation increasing going forward. Housing prices will also decrease as investors have to put down more cash per property and first time buyers have to save .(What a foreign concept!) It’ll be a great day when appreciation stops being the primary motivator for investment in real estate. Warren Buffet said it best. “The line separating investment and speculation, which is never bright and clear, becomes blurred still further when most market participants have recently enjoyed triumphs. Nothing sedates rationality like large doses of effortless money. After a heady experience of that kind, normally sensible people drift into behavior akin to that of Cinderella at the ball. They know that overstaying the festivities — that is, continuing to speculate in companies that have gigantic valuations relative to the cash they are likely to generate in the future — will eventually bring on pumpkins and mice. But they nevertheless hate to miss a single minute of what is one helluva party. Therefore, the giddy participants all plan to leave just seconds before midnight. There’s a problem, though: They are dancing in a room in which the clocks have no hands.” Counting on appreciation to make money on income properties is foolish. It’s worked in the past, but it’s hazardous now. The worst part of appreciation as a real estate strategy is that you can’t spend appreciation unless you refinance or sell. It’s useless for maintaining a building, paying your taxes or renovating your turn over suites. It’s all about the cash flow – you have to take the money to do these important things out of your income or your pocket. The idea that your building is worth $200,000 more than when you bought it is cold comfort when you need to pay $50,000 for a new flat roof. Having the money in the bank because you have income from the building is much cheerier. I welcome the return of fundamentals in the rental and housing markets . We’re all safer as a result. About the Author: Rachelle specializes in renting property on behalf of landlords and is the blogger behind Landlord Rescue . She also works with investors to find good investments in Toronto and surrounding areas. Her passion is bringing multi res properties back from the brink and maximizing profitability. Check out some of her other real estate posts on MDJ

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Good News For Landlords & Investors

How to Save Money When Online Shopping! Just a quick post to let you know i’m a member of Top Cashback and it is a great way of saving money on the things you buy online. Why don’t you join too? (It is completely free). …

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Use term insurance instead of universal life or whole life insurance.
Watch movies at home (rent DVD’s online) instead of going to the movie theater.

Perfectly Polished: How to Save Money When Online Shopping!

A lot of things go into the decision to move to a new location. Job opportunities, family connections, relationships and cost of living will all most likely.

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turn the car off at longer lights and train crossings. If you take the same route to work everyday, it should take 2 weeks or so to figure out how long certain red lights are. For new cars, any pause longer than 10secs is wasting gas to idle. For older cars, it can be as high as 30 secs (most lights are longer than this).
Unplug things (like lamps or a stereo) when they are not being used.Only turn a light on if you really need it.

Save Money by Choosing a Wallet-Friendly Commute | MyBankTracker.com

A Few Ways to Advertise Your Home Business . By valeri On July 27, 2010 Under Uncategorized. These are some of the things you can do to advertise your work at home business . Advertising both online and offline can bring customers to your … More here: A Few Ways to Advertise Your Home Business | Freelance Blogging

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A Few Ways to Advertise Your Home Business | Freelance Blogging

There are many things you can do to save money on auto insurance. Some consumers are paying thousands per year in car insurance. Here are some.

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If possible nurse your children. It saved thousands in formula, and if you believe the studies also in short and long term medical costs… there has barely been a sniffle. Plus I got to cuddle my baby a lot.
If you are not in a contract get the monitoring centre $9.99/ mo. vs $20 or $25 for others.
If you buy mutual funds (and I know some of you don’t like them) only buy high quality, low MER, no load funds…this will save you thousands over the years in management fees…

Save Money on Auto Insurance | Geo Blog