6 Weird Ways To Make Money From Home

Topic: 6 Weird Ways To Make Money From Home Taped 2/16/16 Listen every Tuesday morning at 8:00 a.m. on ROCK 100.5 | Atlanta’s Rock Station to “Your Smart Money Moves” with The Rock 100.5 Morning Show and oXYGen Financial. Ted Jenkin, CFP® and Kile Lewis, CRPC® are the founders of oXYGen Financial, and our chief financial officers. All your money questions answered Breathe easier at http://oXYGenFinancial.net ...

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5 Ways To Get A Great Deal On Leasing A Car

Ownership is still one of the greatest feelings in the world.   I’m not talking about a house you have with a big mortgage because you really don’t own it yet.  The day you pay that puppy off will truly be cause for celebration.  It’s a feeling that less than the majority of people get to experience in America.   When it comes to your automobiles, I’m a much bigger fan of owning versus leasing.   The one time in my life I had a leasing experience, back in 1993, with my Nissan Altima, I felt like an upside down pineapple cake by the time it was all said and done.  Since that purchase, I will only buy used cars and I will only own them.  However, there are cases where leasing can make sense here are your smart money moves on how to do this right. Negotiate The Price, Not The Payment– One of the trick people get suckered into when they ...

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Down Payment Vs Invest The Difference

While 30-year mortgage rates are not at the lows of 3% we saw in 2012, mid to low 4% rate are still really good. It is very tempting to make a small down payment and use the difference in an investment with a higher potential for return. If you only make a 5% down payment instead of a 20%, you will pay thousands in extra interest and PMI insurance. Plus, beating your 4% cost of funds is no slam dunk. Making a larger down payment will ensure that you your return on money is equal to your mortgage rate and will give you a small monthly mortgage payment, leaving you free to invest the extra cash or hang on to it for everyday expenses. Making additional principal payments on your mortgage can save you thousands in interest and pay off that loan quicker. It’s hard to put a return on investment by becoming mortgage free, but taking the weight off ...

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5 Ways For Women To Build Confidence

So I know what you are about to say.  What does a 44 year old guy know about women building confidence.  I’m not about to tell you that I know the secret of women, but I thought I would attempt to list some things women can do to build confidence.  After reading  from the book The Confidence Code by Katty Kay and Claire Shipman, I picked up these 5 ways woman can build confidence: You don’t have to make things perfect, so stop tinkering You have to keep moving forward and tinkering takes time.  Even if you are wrong, failing fast can reduce the time going down blind alleys. Leave your comfort zone Try something you thought you’d never be good at.  The old saying  “What doesn’t kill you will make you stronger” is so true. Take credit for your successes Don’t just brush off a compliment, accept it.  Use it to give your next step confidence. Give rid of ...

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Five Ways Social Media Can Make You Money

There are still some people who are avoiding the whole game of social media.   They don’t quite get Twitter or have no interest in Facebook.  In fact, even if they are in the business community they haven’t added their entire professional summary to LinkedIn.  If the whole idea of social media hasn’t garnered your attention, perhaps the notion of putting some dollars in your pocket would be more intriguing.  Here are my five smart money moves on how social media can help you make some cash. Coupons and Deals- If you “follow” the financial people who are ‘frugal’ or cheap on social media websites like Twitter, you can get great advice on coupons, deals, and savings ideas.   Getting these deals just in time can even give you ideas on weekend events where you can receive discounts to places like fairs and festivals. Job Opportunities- Being in relevant groups and paying attention to discussions may help you land your next greatest ...

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Three Ways To Lower Your Family Mobile Phone Bill?

Round and round she goes, where she stops nobody knows.   That seems to be the prevalent thinking today when it comes to your family mobile phone bill.   Your youngest wants the latest and greatest in technology to impress their friends, and your oldest texts faster than you can run the 40 yard dash.  With a drawer full of old plugs, cords, and adapters, it is almost becoming a full time job to keep up with managing your family mobile phone bill.   Here are three very smart money moves for you to consider to keep your monthly bill in check. Who Is Your Top Ten?– Most of the mobile phone companies will offer some type free minute program around your top ten friends and family you call the most.   Between my phone, my wife’s phone, and the three phones my children have, we did an inspection to see which numbers were called the most in order to access the most amounts ...

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Five Simple Ways To Eat Healthy On A Budget

Whoever thought that eating a box of Twinkies® could be less expensive than eating a bowl of Brussels sprouts?   This whole notion of eating ‘organic’ has really hit the country like a tidal wave over the past five years.   More and more families want to make sure that their foods aren’t genetically manufactured out of a laboratory.   Parents more than ever want to make sure their kids don’t have foods with lots of toxins or synthetic hormones.  What we’ve also realized is that these foods are incredibly expensive which is why the running joke is that Whole Foods will take your whole paycheck.  Here are five simple ways you can still eat healthy if you are trying to watch your budget. Begin The Day With A Protein Shake– They say that breakfast is the most important meal of the day.  If you’ve looked recently at the cost of a pint of strawberries and blackberries, you’ll quickly realize that you can’t ...

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