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If you feel like it’s getting pretty expensive to keep your home warm in the winter, you’re not alone. According to the Energy Star program’s website, the average single-family household in America spends $2,200 a year on energy bills, and 29 percent of that goes to heating alone. (Summertime cooling expenses eat up another 17 percent.) We’ve all heard the standard advice to update the smoke detector, insulate windows and invest in a programmable thermostat — and maybe you’ve even squared away those tasks....

Stock market trading is an activity that can bring huge profits or entail large losses, depending on the trader’s experience, knowledge and competency. Trading stocks implies, besides the common elements of technical analyze used with other instruments like currencies or commodities, an in depth knowledge and research concerning the stocks you want to trade with and their related industry. If trading commodities or Forex involves macroeconomics, trading stocks involves also microeconomics and supplementary data, increased risk and attention. Do...

So, finally you have happily shifted to your new house. The atmosphere appears to be extremely nice and peaceful. All the positive hopes would be residing in your mind right now. You’d be definitely dreaming about good future moments as well as different occasions of celebration. But yes one thing appears to be missing in the home and that is home decoration. Whenever, a family shifts to a new house, the ladies are extremely keen towards home decoration especially mothers. And men also often love to become a part of such activity by...

Monthly phones bills can get out of control when you have to add on different features, make international calls, send text messages and need unlimited amount of minutes.  The good news is that there are options for people who want these features but need to save money on their bills. Let’s show you how you get more for your buck and not sacrifice the features you want. Let Skype Be Your Source of Communication With smartphones being more popular than ever, users have apps like Skype that can help them communicate for low prices and...

When it comes to buying a car, you can’t take chances. After your house, your car purchases are some of the most expensive purchases that you’ll make. It’s important to make a good decision when it comes to financing because, if you’re like most people, you’ll be paying for that purchase for 3-5 years, and sometimes up to 7 years. Here’s how using a car purchase calculator can help you. Find Out What You Can Afford The most important factor in purchasing a vehicle is determining your budget. Although...

Recently compiled statistics by the Baymard Institute suggest that customers abandon shopping carts online a whopping 67.45 percent of the time (on average, according to over 20 different studies). Fighting against shopping cart abandonment takes some creative solutions, and may even require a business to change marketing and advertising strategies. Shoppers Visit Many Times One of the interesting habits of online shopping is that an extraordinary number of shoppers will visit a website multiple times before they actually make a purchase....

Relocate to a new home or renovate? Old vs. new? These are questions many homeowners wrestle with. With mortgage interest rates at historic lows, many homeowners decide to finally build their dream homes — brand new. Others decide to renovate their existing homes or buy fixer uppers. Whatever your decide, there are pros and cons. Before you invest time, resources and money into renovations or sign a purchase contract for a new home, here are some factors you should consider before making a decision. The Arguments for Renovations Costs:...

Moving is one vast undertaking; and that’s nearly an understatement in itself. If your family is amongst the average household size of four persons (two adults and two children, plus pets), this matter becomes even more complicated for you. Moving is arduous and time consuming, and can also be a rather costly endeavor. It is one that you should consider hiring professional movers for to avoid any of the common pitfalls that can be experienced with a move gone bad. To better help you understand how a moving service can assist you, the...

If you’re a real estate agent, you’re probably looking for ways to boost your real estate sales.  The best real estate agents quickly learn that there is no quick and easy “formula” to replace good, old-fashioned hard work.  While many real estate agents sell houses based on being good salespeople or having exuberant personalities, it’s your work ethic and understanding of the clients that will ultimately sell houses.  Here are some of our best real estate sale techniques: Have a Consistent Work Schedule It’s tempting to...

Whether you are a contractor, self-employed or a business owner, you may have found the task of getting a mortgage isn’t an easy one.  Since self-certificated mortgages were outlawed by the Financial Services Authority (FSA) in 2012, many self-employed workers have found proving their income to the banks and mortgage lenders has been difficult. After approaching the banks and traditional mortgage lenders and facing this difficulty, many people are now asking, how do I get a self-employed mortgage? Overcoming the self-employed mortgage...