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23 Orders NOT On The Menu At Fast Food Restaurants

We all like the idea of belonging to a special club.   From time to time, I’ve found myself in line at Starbucks’s and swear that the person in front of me was speaking in a foreign language while they place their order. If you want to be in the world of food ‘prohibilition’ here is a list of 23 orders not on the menu at some of your favorite fast food restaurants across the country.   Since it is holiday season, perhaps on one of your days off you might just stroll in and shock the people on line with you by placing one of these fast food orders. (all the credit for these 23 go to my friends at www.hlntv.com) Breakfasts of champions: 10:35 Sandwich (McDonald’s): So named because you can pretty much only get it during the magical few minutes between breakfast and lunch. It’s basically the innards of a McDouble (meat, cheese, condiments if you want ’em), plus the egg, ...

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10 Money Saving Deals On Veterans Day

There are so many ways we should thank our Veterans on this special day.   In this great country of ours, many restaurants and shops across American are giving back to our military and offering them some really amazing deals.  Here are ten of my favorites for Veterans to check out and please go to a great military blog http://themilitarywallet.com/veterans-day-free-meals-and-discounts/ to check out the full list. (source: TheMilitaryWallet)  Make sure to have the appropriate I.D. with you before you go and always check local stores to make sure they are participating in the program. Applebee’s, free meal, Nov. 11, 2014: Last year, Applebee’s served over one million free meals to military veterans and active service members. Applebee’s is again offering a free meal to military veterans and active-duty service members on Veterans Day, Tuesday, Nov. 11, 2014. There will be 7 entrées to choose from, beverage and gratuity not included. Military ID or proof of service required. More. California Pizza Kitchen, Nov. 11, 2014. Choose ...

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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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McDonald’s Happy, and Starbucks isn’t Lovin’ It

September 29th is National Coffee day and McDonald’s is going to be Lovin’ It.  If you drink coffee, you’re going to be Lovin’ It too.  The fast food chain will be giving away free small McCafe coffee during breakfast for the two weeks leading up to National Coffee Day.  While you and I are going to be lovin our SmartMoneyMoves, saving money for a couple of weeks; McDonalds is going to be smiling all the way to the bank.  This is the second time they have done a two week coffee give away.  At their spring event they gave away millions of cups and the huge success brought in many new customers.  The company has found that those coming for the free coffee, will also buy other breakfast items.  Their breakfast items are very profitable for them, so free coffee actually nets them millions. And if you get hooked on their flavor, soon you will see thru Kraft both McCafe ...

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Is The Best Part of Waking Up, Really Folgers In Your Cup?

Do you need a cup of coffee to get your day going, or a cup after lunch to carry you through the rest of the day?  According to Statistic Brain, 54% of Americans over the age of 18 drink coffee every day.  There’s definitely no shortage of places to purchase coffee whether it be from a grocery store, a coffee house, or a fast food joint.  Known more for their fast food, McDonald’s has recently launched a campaign to increase awareness around their coffee brand, McCafé.  It was announced that from September 16th until September 29th (National Coffee Day), consumers can get a cup of coffee during breakfast hours…all on the company’s dime!  Plus consumers are invited to share their pre-coffee moments with @McCafe #sipandtell.  If you are already a McCafé fan, you will be pleased to know that McDonald’s has announced an alliance with Kraft Foods to offer the brand in grocery stores by 2015! If you have a ...

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Save Big, Save Little for College

For many of us, one of the biggest expenses that we’ll have is paying for our own or our child’s college education. Personally, I knew that I wasn’t going to have a “Free Ride” during college. Although I played Division III college basketball, I still maintained 4 jobs in college and used the tutoring services so that I could qualify for as many academic scholarships as possible and to pay down some of my student loans before I graduated.  According to the College Board, statistics show that over the past 30 years the average annual increase for college tuition has ranged from 3-5% above and beyond inflation(Consumer Price Index). I recently had the chance to interview Mandy Ginsberg, CEO of Tutor.com/former CEO of Match.com, about the different ways to help students save and pay for college. Below are a few tips that Ginsberg shares with our readers. “Save Big” Ginsberg says. Many people transition from paying for day care to ...

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What Is An Appropriate Holiday Tip To Give?

Why is giving the right tip such a moral dilemma?  Year after year we are faced with the same problem, yet most of us have different solutions each time.  Was this a good year for me?  Was this a bad year for me?  Do I like this person less?  Do I like this person more? It’s enough internal dialogue to make you think you were front row for your own Woody Allen movie.   My mother was a fifth grade school teacher for her entire career.  We had many laughs over the gifts Mom got from kids in her class (which is why I guess they stopped this tradition). Your Smart Money Moves has prepared a holiday tipping guide for you this holiday season: Postal Worker- They can’t receive more than $20 anyways, so just stick to $20 cash.  If you really want do them a favor, use the post office more than you do today as pretty soon you could ...

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The Day I Couldn’t Find Starbucks

It’s true that all of us have a few brands that we are completely addicted to in our lives.    I’m not quite addicted to any one particular brand, but there are certainly a bunch of brands that I’ve grown a fond affinity for over the years.    For example, the last 15 years I’ve only run in Nike sneakers because I like the feel of the shoe as well as the style.   Arizona Iced Tea is one of my favorites, especially since they came out with the Arnold Palmer half and half lemonade and iced tea which is a definite A lister for me.    When it comes to coffee drinking, I’ve tried many of the different brands including the major ones like Dunkin’ Donuts and Starbucks.    With the new Keurig machines today, you can try all different types of coffee like Green Mountain, Wolfgang Puck, and even a Kahula flavored coffee drink.     When I really need a cup of coffee, I ...

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As Coffee Prices Go Up . . .

In the past year, the price of a pound of coffee beans has more than doubled on the commodities market in New York, to $2.23 a pound as of Thursday, May 24th of this year.  Roiled by everything from changes in the Brazilian crop to the cost of transportation from Africa to increasing demand from a growing middle class in China and India, the fuel of choice for many has become so precious there are reports of thieves stealing containers of beans at ports or even stripping trees in the fields. (source: m.knoxnews.com) What it has meant to most of us is that cups of coffee you get at Starbuck’s or Dunkin’ Donuts will be rising as well as the coffee you bring home in the supermarket. So what can you do to make a smart money moves during times when your favorite beverage of the day is soaring through the roof? Save last night’s coffee –  The apple must ...

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