Save $10 off $20 purchase at Buca di Beppo!!
Go here to print your coupon. Exp 02/07/10
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Go here to print your coupon. Exp 02/07/10
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Saturday, January 30, 2010
Lets talk about your money....
I posted this post originally to my Texas based Yahoo Group. I am also posting it here for all of your comments. Please feel free to join in on this. Your comments could really help someone else.
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I know that we are all trying to save money thru many different means (couponing, cutting back, paying off credit cards, getting out of debt,etc...which are all good ideas). But I am curious about how you are actually doing about investing your money thru your bank.
Reason why?
By my nature, I am not a person that puts my money at risks and I have learned to conservatively invest my money and let it slowly grow. This way my investmentis not at a high risk-which is good. But the downfall is that your money grows more slowly and you have to diversify it in many different ways to conservatively do that.
Well, CD interest rates are down. If you can find a rate at over 2% or 3% (which in my opinion, 3% kinda stinks to begin with) its rare.
Yesterday at the bank, the teller was trying to intice me to purchase a CD at 2% interest rate. Which I kinda laughed at. I do not feel that its worth tying up my money for a 2% interest rate. Dont get me wrong, I do buy CD's but I try not to unless I can get a 5% interest rate on my return. Which in this economy, is hard to find right now. A few years ago, it was quite common.
I have several accounts at several banks because I was enticed thru promotions to open those accounts (by a higher interest rate for a year or two) if I open a new account with so much money in it. At the bank that I do my main banking thru (which is a Credit Union) I get the best rates. I keep the majority of my money in a Money Market account (because the interest rates are better in that instead of a Savings Account) and I transfer money into the Checking Account as needed for checks that I write.
I do this because there isnt a good interest rate on checking accounts (and lots of times there is not an interest rate at all in checking accounts)....and we all do need to have a checking account. So basically, I keep NO money in the checking account until I need to transfer money into it. And I do not write that many checks these days so it works well for me.
I personally predict that the nations economy is not going to be a quick fix and we may be in this boat for at least 2 more years with the current interest rates. There are things that I do purchase annually. Like my IRA's and I purchase those primarily for tax related reasons. **Iam sure that members of this group that are tax-preparers (like Rosie) would understand this. And I do highly recommend purchasing your annual IRA's if you can afford to do so.
When the economy tanked, I will admit (embarrasingly) that I am one of the many Americans that lost money in Mutual Funds. I lost at least 1/5th of my investment. And that is a BIG loss for me. However because of the loss, I have no choice but to leave the money in those funds and I have to sit back and wait for those Mutual Funds to slowly come back up. To say the least, I will not be buying any more Mutual Funds in my immediate future. But I do currently have money in these funds so I have to sit on them for a while.
If you personally know me, you will know that I am not a very patient person. But when it comes to money, I have learned to be patient with my investments. Otherwise, there is no reason to even invest.
I tell you all of that, to ask you this:
What are you currently doing with your money??
Are you putting money into your 401K? If so, what percentage?
Are you avoiding financially investing thru banks (with CD's ect) and deciding to invest thru real estate or land purchases instead? '
And how is that working out for you?
I have friends that invested in real estate and some of them are doing great...others are taking a hit and needing to get out from under their properties and cannot sell them even tho they are on the market.
Please share your 2 cents with the rest of this group...
Thanks, Rochelle
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------------------------------------------------
I know that we are all trying to save money thru many different means (couponing, cutting back, paying off credit cards, getting out of debt,etc...which are all good ideas). But I am curious about how you are actually doing about investing your money thru your bank.
Reason why?
By my nature, I am not a person that puts my money at risks and I have learned to conservatively invest my money and let it slowly grow. This way my investmentis not at a high risk-which is good. But the downfall is that your money grows more slowly and you have to diversify it in many different ways to conservatively do that.
Well, CD interest rates are down. If you can find a rate at over 2% or 3% (which in my opinion, 3% kinda stinks to begin with) its rare.
Yesterday at the bank, the teller was trying to intice me to purchase a CD at 2% interest rate. Which I kinda laughed at. I do not feel that its worth tying up my money for a 2% interest rate. Dont get me wrong, I do buy CD's but I try not to unless I can get a 5% interest rate on my return. Which in this economy, is hard to find right now. A few years ago, it was quite common.
I have several accounts at several banks because I was enticed thru promotions to open those accounts (by a higher interest rate for a year or two) if I open a new account with so much money in it. At the bank that I do my main banking thru (which is a Credit Union) I get the best rates. I keep the majority of my money in a Money Market account (because the interest rates are better in that instead of a Savings Account) and I transfer money into the Checking Account as needed for checks that I write.
I do this because there isnt a good interest rate on checking accounts (and lots of times there is not an interest rate at all in checking accounts)....and we all do need to have a checking account. So basically, I keep NO money in the checking account until I need to transfer money into it. And I do not write that many checks these days so it works well for me.
I personally predict that the nations economy is not going to be a quick fix and we may be in this boat for at least 2 more years with the current interest rates. There are things that I do purchase annually. Like my IRA's and I purchase those primarily for tax related reasons. **Iam sure that members of this group that are tax-preparers (like Rosie) would understand this. And I do highly recommend purchasing your annual IRA's if you can afford to do so.
When the economy tanked, I will admit (embarrasingly) that I am one of the many Americans that lost money in Mutual Funds. I lost at least 1/5th of my investment. And that is a BIG loss for me. However because of the loss, I have no choice but to leave the money in those funds and I have to sit back and wait for those Mutual Funds to slowly come back up. To say the least, I will not be buying any more Mutual Funds in my immediate future. But I do currently have money in these funds so I have to sit on them for a while.
If you personally know me, you will know that I am not a very patient person. But when it comes to money, I have learned to be patient with my investments. Otherwise, there is no reason to even invest.
I tell you all of that, to ask you this:
What are you currently doing with your money??
Are you putting money into your 401K? If so, what percentage?
Are you avoiding financially investing thru banks (with CD's ect) and deciding to invest thru real estate or land purchases instead? '
And how is that working out for you?
I have friends that invested in real estate and some of them are doing great...others are taking a hit and needing to get out from under their properties and cannot sell them even tho they are on the market.
Please share your 2 cents with the rest of this group...
Thanks, Rochelle
Free Signature Generator
Thursday, January 28, 2010
80% OFF AT RESTAURANT.COM!!
GET $25 GIFT CERTIFICATES FOR ONLY $2!
THAT IS 80% OFF!!!!
Enter Discount Code: BONUS EXP 1/31
FREE label sample from Avery!
More Dennys promotions!!
Register NOW through February 14th, 2010 online at www.dennys.com or in store to win one FREE Original Grand Slam® every week for one year.
It's more than just a Free Original Grand Slam® on February 9th. Anyone can register February 1st through February 14th, 2010 online at www.dennys.com or in store to win one FREE Original Grand Slam® every week for one year. There will be 52 winners announced, one each week. Winners will be posted each week on dennys.com.
From February 1st through 14th, the first 500,000 people who sign up for the new Denny.s
Rewards program online will receive a FREE burger and fries available March 1st through March 7th, 2010.
Rewards program online will receive a FREE burger and fries available March 1st through March 7th, 2010.
Denny's will provide free refills to any order of French fries or pancakes at participating
locations nationwide. In addition to the Free Original Grand Slam® giveaway and the sweepstakes, Denny's is distinguishing itself from its competitors with a limited time generous offer starting February 10th that takes refills beyond beverages and gives more everyday value to customers.
locations nationwide. In addition to the Free Original Grand Slam® giveaway and the sweepstakes, Denny's is distinguishing itself from its competitors with a limited time generous offer starting February 10th that takes refills beyond beverages and gives more everyday value to customers.
The Party's back at Denny;s. Consumers are invited to celebrate birthdays with a Free Original Grand Slam® meal at participating restaurants. The Original Grand Slam® offer is free for the birthday guy or gal dining in and who shows proof that it.s their birthday. The Denny.s birthday offer continues Original Grand Slam® kindness.there are more than 300-million Americans who celebrate birthdays
go here for more info:
Get a FREE CLEAN Warm Cotton Perfume sample
If you become a Facebook fan of CLEAN Warm Cotton Perfume and fill out the form, you will receive a CLEAN Warm Cotton Perfume sample.
Enter the following code:CLEANsplendicity
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Enter the following code:CLEANsplendicity
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Get a $5 e-gift certificate from Babies R' Us!
If you become a Facebook fan of Babies R' Us . They will give you a $5 e-gift certificate. You can use it online or in their stores. or online!
This is good ONLY today so HURRY! Your gift cards expires Feb. 20th.
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This is good ONLY today so HURRY! Your gift cards expires Feb. 20th.
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Tuesday, January 26, 2010
FREE Sample of Mariani Pitted Dried Plums!
Get a FREE Sample of Mariani Pitted Dried Plums!
You need to use the Promotional Code: ADSUPER
Go here to put in the promo code and it will direct you to the form
Please expect your sample to arrive in 7-10 business days.
GET 6 FREE BLIZZARDS AT DAIRY QUEEN!
GO TO THE DAIRY QUEEN FAN PAGE AT HTTP://WWW.BLIZZARDFANCLUB.COM AND JOIN AND YOU CAN GET 6 FREE BLIZZARDS A YEAR!!! RECIEVE 6 BOGO COUPONS!
NO FOOLIN'
http://www.facebook.com/dairyqueen?v=app_6009294086
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KRAFT PRINTABLE COUPONS
GO HERE and print some hot new coupons from Kraft.
Here is a list of the available coupons:
$1/2 Capri Suns$1/1 Clausen pickles
$1/2 Kraft Deluxe or Velveeta Shells and Cheese
$1/1 Kraft grated parmesan cheese
$1/1 Oscar Mayer bologna
$1/1 Oscar Mayer meat
$1/4 Philadelphia cream cheese
$1/2 Planters mixed nuts
$1/1 Velveeta cheese
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Here is a list of the available coupons:
$1/2 Capri Suns$1/1 Clausen pickles
$1/2 Kraft Deluxe or Velveeta Shells and Cheese
$1/1 Kraft grated parmesan cheese
$1/1 Oscar Mayer bologna
$1/1 Oscar Mayer meat
$1/4 Philadelphia cream cheese
$1/2 Planters mixed nuts
$1/1 Velveeta cheese
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File your taxes for FREE if you qualify...
GO TO: Free Taxes eFile and you may qualify a for FREE tax filing if any or all of the following apply:
you earned $31,000 or less
OR
you were Active Duty Military in 2009 with an AGI of $57,000 or less
OR
you qualify for Earned Income Credit (EIC)and live in: AL, AR, AZ, GA, IA, ID, KY, MI, MN, MO, MS, NY, NC, ND, OK, OR, RI, SC, VT, WV.
Thanks to Josie for this one..
Monday, January 25, 2010
GET A COUPON FOR A B1G1F 6 INCH SUBWAY SANDWICH!
Get a coupon for a FREE 6" sub at Subway when you buy another 6" sub plus a drink. Expires Buy one six-inch sub and 32oz drink, get a FREE regular six-inch Sub.
CLICK HERE , TO GO TO THE SUBWAY.COM SITE TO BUILD YOUR SANDWICH AND THEN ENTER IN YOUR EMAIL ADDY AND THEY WILL EMAIL YOU A COUPON!!
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CLICK HERE , TO GO TO THE SUBWAY.COM SITE TO BUILD YOUR SANDWICH AND THEN ENTER IN YOUR EMAIL ADDY AND THEY WILL EMAIL YOU A COUPON!!
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GET A FREE KASHI SAMPLE!!
GET A FREE KASHI SAMPLE!!
We’ll help you stay on track with your 2010 resolution to eat healthier.After all, it’s easy to eat right when it actually tastes great.
http://www.kashi.com/healthier_year/sample/select
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Saturday, January 23, 2010
Big Lots coupon for 20% off entire purchase!!
Big Lots has a printable coupon for 20% off your entire purchase!
It expires at the end of the month!!
TODAY is FREE pie day at Marie Callenders!!!!
Today at Marie Callender’s its National Pie Day!!!
Go today to Marie Callenders, January 23, 2010 for a FREE slice of your favorite pie with the purchase of an entree!
The pie gods have spoken!
FREE scented tattoo at Victoria Secrets
Get a FREE Love Rocks scented tattoo at Victoria Secrets.Visit this page for more info
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Thursday, January 21, 2010
70% OFF AT RESTAURANT.COM
GET $25 GIFT CERTIFICATES FOR ONLY $3!
THAT IS 70% OFF!!!!
Enter Discount Code: FEAST EXP 1/26
Save $10 off your $30 purchase at Party City
Save $10 off your $30 purchase at Party City, just print this coupon.
This expires on February 1, 2010 with Can also be used online w/ code PCVAL30.
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This expires on February 1, 2010 with Can also be used online w/ code PCVAL30.
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FREE Kind Bar on Feb. 5th at Starbucks!
On February 5th. Starbucks will sample KIND bars at all of their 7,000 stores across the country!
Drop in to try one of the two delicious flavors selling at your local Starbucks: Fruit & Nut Delight and Cranberry Almond+Antioxidants.
Click HERE to find a Starbucks near you
$10 off $30 at Borders!
If you are a Borders Reward member, go HERE and you can print a coupon for $10 off $30 purchase. Exp. 1/25.
Tuesday, January 19, 2010
Printable coupon for The Limited.
Get a printable coupon for $15 off of your $15 purchase at The Limited! Or you can use it to get $50 off of $150 purchase, or $30 off of a $100 purchase.
This coupon expires on Feb. 3rd.
Monday, January 18, 2010
CHOCOLATE CHEERIOS! YES!!
OH MY GOD!!I HAVE SPOKEN AND THE CEREAL GODS HAVE LISTENED!!
CHERRIOS HAS A NEW FLAVOR: CHOCOLATE!!!!
YEAH!
GO HERE TO PRINT YOUR $.50 COUPON FOR THIS NEW PRODUCT:
http://www.cheerios.com/ourCereals/ChocolateCheerios/ChocolateCheerios_home.aspx
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Join Sample Social
Sample Social is a fun new application through Facebook which allows you to have a new portal for samples and coupons
How does it work?
The process of requesting samples is very simple, but first we ask that you fill our your profile settings. These settings include your mailing address so we can mail your samples, and also some demographic information about you that helps us and the companies whose samples we distribute choose the right audience to offer their product samples to. After all, its is the goal of our partner companies to give you a sample of a product that you might eventually buy in the store! Therefore the users who may 'qualify' for a sample may differ based on demographic information. That's why its important that you be as accurate as possible in regards to filling out your profile settings.
Please note:
We take data privacy very seriously. Your information provided will only be used for the purpose of mailing samples to you, and determining your eligibility for certain samples. Your name, mailing information, and demographic information is never provided to our manufacturer partners. Your name and address is shared with our fulfillment centers strictly for the purpose of mailing your samples to you. Your email address is never shared with our manufacturer partners unless you specifically request it on the sample request page.
Free candle!
Just submit your info, to get this candle for free. No strings attached.
Be patient, allow up to 3-5 weeks for delivery.
Join Pop-Tarts Sprinklings
Join Pop-Tarts Sprinklings
Join now to get a bunch of fun for you and your family throughout the year, including a smattering of samples and a variety of values.
http://www.poptarts.com/moms/RegisterInsider.aspx?p=web
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Free Travel-Sized Item with any $10+ purchase at Bath & Bodyworks
Go here to print off a Bath and Body Works Coupon for a Free Travel-Sized Item with any $10+ purchase.
Free Signature Generator
Free Signature Generator
Friday, January 15, 2010
3 complimentary issues of Family Circle
Sign up here for 3 complimentary issues of Family Circle.
Enjoy the May, June, and July 2010 issues of Family Circle free. No strings attached. You'll never receive a bill
FREE photo calendar at Sears & NO sitting fees!!
Sears is currently offering a FREE photo calendar ($44.98 value) with NO sitting fee!
10 OFF $40 PURCHASE AT BATH & BODYWORKS
$10 OFF $40 PURCHASE AT BATH & BODYWORKS
EXP 01/17/10GO HERE TO PRINT YOUR COUPON:
http://ebm.cheetahmail.com/r/regf2?aid=528207786&a=0&n=31&cm_mmc=CH-_-20100113SCRDM-_-10016175-_-subPrintCoupon&cm_lm=
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