| How to Earn Extra Money Without Getting a Second Job (personal finance)
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How to Earn Extra Money Without Getting a Second Job
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Tax Deduction Possible with Home Improvements But Not Home Repairs
When you are considering doing some work on your property, you need to consider whether it will fall under the category of home repair, or home improvement. This is a crucial distinction because home improvements are tax deductible, whereas home repairs are not.
So what constitutes home improvement? In its basic form, it is any task that will add to the quality and therefore the value o... Read personal finance article
How and Why Interest Rates vary
When you borrow money, one of the most important things to consider is the interest rate you will be paying. This is the money you pay to the bank in return for them lending you money. It is like a fee. You never see it again.
But it is much more. It is determined by three major factors.
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The first factor, the Federal R... Read personal finance article
How to Earn Extra Money Without Getting a Second Job
Many times, people want to earn a little extra money, but don't want to have to get a second job. The truth is, there are quite a few ways to earn extra money, and many of them don't even require you to leave the house! Here are a few ways you can easily earn some extra money each month, with just a little time and effort:
- Use eBay: If you go through your house, you can look for things you don't use or want anymore, and sell it on eBay. Also, if you do any crafts, or make something others might like, you can sell that as well. You don't even have to leave your house except to ship the item, and it can be done any time of day or night.
- Have a yard sale: Usually these are held on weekends, but you can get rid of anything you don't want or need anymore, and make some quick money.
- Answer Surveys: There are many companies out there that are willing to pay you in cash or prizes to fill out surveys on the web. They can be filled out at your convenience, and you can end up getting a decent amount of money for it. While some only pay a little bit, other surveys are willing to pay a lot more!
- Mystery Shop: There are also many companies out there that will let you do mystery shopping. Here you will go to a store or restaurant and pose as a regular customer, but you will take a look around and watch how the store is run, and how the employees are. You will not only sometimes get a meal or product for free, but you will also end up getting paid as well. It's not a way to make a huge amount of money, but it's great to end up with a little extra cash, or a free meal every now and then.
As you can see, there are many ways to earn extra money without getting a second job. The best part is that most of these can be done on your own schedule, without having to set certain hours. While they will not bring in as much as your first income, they will definitely help pay the bills, or give you some extra money for whatever you need it for.
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Become A Millionaire - Stop Smoking
So you want to be a millionaire? If you smoke or are thinking about it - I will give you at least $1 million reasons not to start. For the sake of discussion, I am going to use me as an example. I have smoked for over 20 years and frankly I enjoyed it. It wasn't until I finally got it through my head about the health risks to me, my family and the rising costs that I finally decided to quit.
You all know or should know about the health risks and I will not rehash it. What I want to talk to you about is the financial impact. I smoked 2 packs of cigarettes per day and on a good Friday night out on the town it could sometimes be as much as 3 packs.
Ok.. here it comes. Two packs of cigarettes per day at an average cost of $3.50 per pack multiplied by seven days equals $49.00 per week or $2555.00 for one year. Now lets take a teenager at age 18 who starts to smoke and lets also assume they were to stop at age 65 on retirement which is 47 years. 47 years x $2555.00 = $120,085.00 spent on cigarettes at today's prices.
Now a hundred and twenty thousand dollars is in itself not enough to make you rich but you could buy some pretty nice stuff for that amount. The magic is in a little thing called compound interest. Assuming that instead of smoking - You took that same two packs per day or seven dollars and invested it in a mutual fund. Let's also assume that you invested it in an index mutual fund which over the lifetime of the stock market has averaged 10% per year. After 47 years you would retire with $2,730,489.02. That almost $3 Million dollars. How is that for an incentive to not smoke?
What about the rest of us who have smoked for 20 plus years? A man or woman who quit at age 40 under the same scenario who save $282,615.51. Now that's not a million dollars but it would still buy a pretty nice home. What is even more astounding is that these figures are based on today's prices and don't even account for inflation over the same amount of time.
Even if you are not interested in investing the money saved from smoking then think about this: $2555.00 applied one time each year to a $200,000.00 mortgage would cut 10 years off of a 30 year loan. You would be paying your home off in one-third the time.
The bottom line: If your health and family aren't enough to make you stop - Think about why your not living next door to the rich and famous. I hope this gives you food for thought about all the extras in life you are giving up by smoking.
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