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Is Now The Right Time to Join a Country Club?

There has always been an allure about joining a local country club. With how things are going in the overall economy these days, now may be the perfect opportunity to venture into that country club that you always wanted to join, but thought that you could never afford. Many of the upper-end country clubs today have either reduced or waived their overall initiation fee, which is the first hurdle for most people. ...

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Is it Worth Having a Gym Membership?

Lately, I've been thinking of canceling my gym membership. What I've found is that most people do not use their gym membership to its full capacity, especially for as much as we all pay for it. My membership is a dollar a day, which is approximately $35 dollars a month including taxes. How often do you go to the gym in a month? Is it worth $35 a month? I haven't been to the gym for about two months and I usually go once every other month and I know for a fact that I have not use it like I should. If you do use your gym membership—that is awesome, you are definitely getting your money’s worth! ...

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Craigslist Shopping – Money Saving Tips by Cristina Briboneria

It’s important that you have someone there to help you determine if what you want is something you should purchase at the store or on Craigslist so that you know you’ve made the right financial decisions. Click here to Visit or Call Oxygen Financial at 678-551-7955 for a consultation to learn more so you don’t feel overwhelmed while you’re shopping online! Happy hunting!! ...

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Have you shopped your gas bill lately?

I don't know if you've noticed, but the natural gas price to oil price is at an all-time low when you look at the spread differentials between natural gas and oil. Many of the gas companies will lock your overall gas rate on your bill from anywhere from 12 to 18 months on a fixed rate dependent on your local gas company. ...

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Feeling Confused About Investing? It’s fight or flight

One of the worst feelings you could possibly have as a consumer is that notion of being confused about where you're going to invest your money, what type of insurance you're going to buy, or just making a major purchase to your house. It seems the more information you get, the more confused you can become about what is the right decision. Most people say a confused mind says no. ...

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Make Sure To “Beta” Test Your Portfolio

Beta is one measure of risk your portfolio is taking. Generally, what it measures is how risky your portfolio is to the market as a whole. For example, a portfolio that has a beta of more than one is generally going to be more risky than the stock market as a whole, and a portfolio that has a beta of less than one is going to be less risky than the stock market as a whole. ...

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IF YOU CAN’T EXPLAIN IT ON ONE PAGE . . . DON’T DO IT!!

Over this past week, I've been watching many different proposals around health insurance in the United States. In one magazine, Investors Business Daily, they had a flow chart of what the health insurance plan would look like. It looked more like an electrical engineering chart of the Empire State Building than it did a health insurance plan. ...

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Focus on the purchase price . . . not the payment.

The other day, my mom called me up from New Jersey and she was shopping for a car. She told me over the phone what she thought was she could afford on a monthly basis for a payment. That’s when I stopped her and said, “Never tell the dealership what you want your monthly payment to be when you negotiate a car price.” If you talk about monthly payments at the car dealer, that is when you get yourself in a trap. ...

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Could Your Blackberry Make You Money?

Could your Blackberry or iPhone actually save you money? Whatever type of PDA device you use, there are more and more websites out there now that give you ability to download coupons right into your phone. Two of the web sites I wanted to mention you should take a look at if you are trying to save money overall while you are going out shopping is... ...

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