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MONTHLY REPORTS
First the Disclaimers and Legal Stuff: The information provided by and
through the Golden Rule Society from Professionals in their field of expertise
is general in nature. You should seek the advice of your own legal, tax,
investment and other qualified professionals before implementing any
program that is specific to your personal situation. You hereby acknowledge
that any reliance upon any information you receive from the Golden Rule
Society shall be at your sole risk.
Volume VII Issue 11 - Virus and Hoax Alerts
Get yourself an Anti-Virus Software Program. Back up your
computer on a routine schedule and always delete suspicious emails
or emails from unknown senders and NEVER OPEN their .exe
attachments. Note: Please don't forward Virus Alerts or
Suspected Hoaxes to everyone without checking it out. See the
sites below and click on the one you like to get the info on the
latest Virus Alerts and Hoaxes/Urban Legends.
In the Fall of 2000 my computer became infected with a
"Trojan" type virus. Unfortunately I backed up the
computer and the virus as well. It wiped me out for
weeks. I had sharp "techies" working on it but I
lost a ton of data. If I can help keep you from such a
maddening and expensive experience then we'll both be very happy.
Here are just a few web sites that you can check for more
information about Anti-Virus protection.
http://www.mcafee.com
(McAfee)
http://www.symantec.com/
(Norton)
And, here are some sites to check for virus hoaxes, urban legends, email
warnings and general hoaxes that are sent by malicious people and spread by
innocent people.
http://www.snopes.com/info/search/
(Snopes is a favorite)
http://www.truthorfiction.com/
http://www.urbanlegends.about.com/
http://www.hoaxbusters.org/
http://hoaxbusters.ciac.org/
http://museumofhoaxes.com/index.html
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Money Saving Tips
Follow these simple money saving tips and you can have hundreds if not
a thousand or more dollars to spend as you please. I do hope it makes you
glad that you're now a member in good standing of the Golden Rule Society.
I promised you the information on how to save a ton of money with low
interest credit cards. If you don't carry a balance on your credit card
then this information won't be of interest to you. However, if you do then
let's start saving you money.
For an extensive list of Banks that offer low rates, please contact
the site below. You have your choice of lower rates with an annual fee
or slightly higher rates with no fee. Pick the one you like and save yourself
far more than your you're probably paying right now.
http://www.consumer-action.org/
Foolish Stuff About Money
An outfit that calls themselves the Motley Fool has some interesting and
fascinating ideas and concepts about investing and other stuff. Visit them
at: http://www.fool.com/
Money Savers:
We Airline Pilots measure our fuel in pounds rather than gallons. The simple
reason is that the volume increases with a reduction in temperature. On
a hot day we'll need more gallons to get the required amount of pounds
of fuel. To make it real simple for you, refill your gas tank early in
the morning when the gas is the coolest. You'll get more useable fuel for
the same amount of gallons. The saving to the average driver is over $50.00
a year. And, don't gas up when the tanker is delivering gas to the
station because it stirs up the sediments, which could end up in your tank
and cause problems for your car.
Put your loose change into a "piggy bank" or a big jar. You'll find
that you'll save far more than the cost of membership in the Golden Rule
Society. At the end of each year use it to do something nice for
someone you love.
Save your Lottery money. It's a sucker bet to put $5.00 a week into
the Lottery. Put the money in a "Fun Money Envelope". Next year you'll
have $260.00 for fun and games. Remember for most folks have $260.00 after
taxes they'd have to earn approximately $346.00 before taxes.
Always pay yourself first. When writing your monthly bills, try paying
10% to your own savings account. Once in the habit of doing so, you'll
be amazed at how quickly the money grows. You should have an "Emergency
Fund" equal to six months of your fixed expenses. Keep it in a money market
fund or a savings account. If you need it, you want it to be accessible.
Once you have it in the Bank, then start an investment program that fits
your goals, your needs, your personality and your time frame.
To save hundreds if not a thousand or more on groceries just follow
these simple tips:
Find the best "Special Shopper Program". You can save up to $500.00
or more every year by taking advantage of the Supermarket's "Special Shopper
Program".
Triggered Purchase Coupons…These are the coupons they give you with
your cash register receipts. They're triggered by how much you have spent
at the Supermarket. We save hundreds of dollars a year this way.
Be a "Coupon Clipper". My wife Anne gets the biggest kick by saving
money with coupons. She enjoys getting the coupon discounts on things she
was going to buy anyway. Many times they offer double or triple coupons.
It doesn't take that much time to cut coupons. Just use 10 a week at an
average of only 50 cents each and you're now saving over $250.00 a year.
Those are after tax dollars you're saving.
Use the stores Membership Cards. Shoppers who use these cards automatically
save on the products selected by the Supermarket. Your savings can be over
$250.00 a year depending on your selections.
Stick to your shopping list. Avoid the emotional impulsive buying that
pumps up your shopping costs. This one tip can save you hundreds
of your hard-earned dollars. Trust me on this one friends. I'm the biggest
impulsive buyer. My wife will attest to that. She keeps me in control. hehe.
Buy Store Brands. If you only spend $100.00 a week on groceries,
you can save up to $1200.00 a year buying the store or generic brands.
When you buy the name brands you're usually just paying for the marketing
and packaging.
I know these ideas will take a bit of discipline on your part. However
if someone said to you that they would pay you all those tax-free
savings just for following the suggested savings tips, you'd probably be
happy to do it. Well, just do it. And, keep your hard-earned money in your
own pocket or purse.
Stay away from the "Get Rich Quick" schemes and never invest in anything
pitched over the phone by a friendly sounding stranger.
Before you run out and spend big bucks on a brand new car, take the
time to call your local Car Rental Agencies and ask them when they'll be
selling their rental cars. You can get some wonderful deals on great cars
if you have the time and the patience. Usually you'll get far more car
for your money. Pick out a good one.
For some neat info on buying, selling or financing a vehicle check out
a Web site used by many auto dealers for Internet sales. http://www.autoweb.com
If you're buying a Used Car check its history. http://www.carfax.com
To check out the Kelly Blue Book values go to http://www.kbb.com
Take advantage of your company's 401k retirement program and open up
your traditional IRA, an Education IRA or the newer Roth IRA. Whether you're
dreaming of a golden retirement, your first home or a college diploma,
an IRA can help you reach your goals. Hot Flash…if you do have an
IRA, don't make the very common mistake of reporting your IRA dividends
as taxable income. It's incredible how many people do. Uncle Sam
will be more than happy to take the extra taxes that you don't need to
pay.
Stay tuned for bigger and better money making and money saving opportunities
for you and your family.
Be sure to check the areas listed below.
Thanks and God Bless.
Len Kaine
Please choose from one of our useful member area links below.
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