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What Atlanta’s #Snowmageddon 2014 Taught Us From a Financial Standpoint

Review and shop out your car insurance coverage often. Typically, you can shop your rates out on a semiannual basis to see if you’re getting the best deal possible.  If you were someone who was sliding around in the snow and ice and had Comprehensive and Collision coverage then your insurance will pay to repair or replace your car if it is stolen or damaged in an accident, regardless of who is at fault. Depending on your car, amount of a balance you have left on your car note, distance you commute, and cash flow you can look at ways to increase your deductibles, reduce your coverage, or you can check out my other article about taking a defensive driving class(http://www.ajc.com/weblogs/atlanta-bargain-hunter/2013/dec/04/perks-driving-defensively/) to find ways to reduce your premium. Travel with a full tank of gas. Unfortunately, some friends needed to sleep in their cars overnight and had over 14-24 hour commutes home; some inevitably abandoned their cars because they ran ...

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What Your Restaurant Menu Won’t Tell You

Think twice as you read your next menu.  Unbeknownst to you, the menu just might be designed to get you to spend more money through some pretty clever strategies.  Also, you should keep in mind that there may be extra incentives for your server for lunch or dinner that day. Staggered Prices – Prices are generally shows right after the dish, and not in a column all neatly labeled on the right hand sign.  In addition, you will often find the cheaper dishes on the left hand side of the menu and the more expensive ones on the right hand side of the menu.   All of this is in part designed to make it difficult to quickly compare dishes and prices. Bold Type – On almost every menu, you will several items in BOLD FACE type.   This is intentionally done as bold type will draw your eye much quicker to it than the dishes that are not in bold type.  ...

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Procrastinators Beware! Listen Up!

Procrastinators:  Listen Up! A big enabler of perpetual procrastination is what I like to call, “Southern Hospitality Syndrome.” Simply put, this is when you have a habit of being kinder to others than you care to be toward yourself.  It sounds like the epitome of “nice” and the opposite of “selfish,” but if this syndrome sounds uncomfortably familiar, it may be seriously contributing to your procrastination. If you have Southern Hospitality Syndrome, you are probably keeping commitments to others while ignoring or compromising commitments to yourself.  After a while, letting yourself down in this manner will begin to compromise your self-care, self-esteem and self-worth – and may leave you hopeless to change or downright depressed.  How? Let’s say that you and I were scheduled for a lunch date and I couldn’t make it.  What would I do?   Call you up and reschedule, of course!  If I did nothing at all…never called, never acknowledged it…just blew off the whole thing, what ...

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VIDEO | Back to the Brown Paper Bag!

Take your lunch to work just one more day per week than you do now. I know that eating out lunch is a lot of fun, so I wouldn’t recommend cutting it out entirely. It will take you a lot of discipline to eventually make that habit stick. However, with the average cost of going out to lunch being approximately $10 dollars, this could help you save $40 more per month by bringing in your lunch one day per week. ...

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Where did all my money go??

We're about 60 days into 2009, and one of the things people have been asking themselves is "where does all my money go?" When you look at your overall financial situation, your 401(k) has now been reduced to a 201(k). Your real estate property probably has devalued substantially, and really at the end of the day you make some income but you're not quite sure where all of money goes after you pay your expenses. One of the things that we recommend at this time is to ensure that you've got a quality spending plan in 2009. ...

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