If you can’t quit smoking, at least make the switch to Volcano e-cigs

Each year, thousands of people try to quit smoking, and many of them fail. This isn’t because of any lack of desire to quit on their part. The unfortunate reality is that quitting smoking can be an enormously difficult thing to do. In fact, nicotine is commonly considered to be one of the most addictive substances on the planet. It’s no wonder then, that so many people can’t quite kick the habit.

Volcano Ecig CouponsBut quitting smoking does not have to be an all or nothing deal. One thing you can do is stop using tobacco products and instead use e-cigarettes instead. E-cigarettes allow you to inhale vapor instead of smoke, and is thus considered to be better for your lungs by many people. You still get nicotine from the vapor you inhale, so e-cigarettes can satisfy your nicotine cravings. That said, e-cigarettes don’t have tar and other cancer causing substances, so it’s still a step above from smoking, at least in terms of your health. They are also quite safe and pose absolutely no fire hazard, unlike smoking.

Good e-cigarette, such as the ones you might get from Volcano Ecig, will make the experience of vaping (the term used for the act of using an e-cig) very similar to the experience of smoking. If you use a tobacco flavored e-liquid, the transition should be relatively easy.

An added benefit to using e-cigarettes is that they are a lot cheaper. By using Volcano Ecig coupons and buying my e-cigs over the Internet, I estimate that I save about a hundred dollars a month. (For a list of current coupons and promo codes from Volcano, go to this e-cigarette coupon page.) Many people who switch end up saving even more. Just think of all the things you can do with that extra money.

So the bottom line is that e-cigarettes cost less and in all likelihood are much better for your health as well. Making the switch to using e-cigarettes should therefore be a no-brainer. Using e-cigarettes is something that might take some getting used to, but in the end, I think most people who switch over are happy they did. Without question, quitting nicotine products altogether is the best option. But for those of us who can’t quite make that drastic change in our lives, e-cigarettes provide a really good compromise.

How to know the right amount to save

savings planI always like simplicity. That’s why I use a rather simple formula to calculate how much to save for retirement. According to the formula I use, I put away 20% of my after-tax income into a brokerage account or retirement accounts such as a 401k or Roth IRA.

So where did I come up with the number, 20%? Basically, it’s based on a formula that was developed by former Harvard professor Elizabeth Warren. It’s called the 50-30-20 rule, and it tells you to spend 50% of your take home pay on needs, 30% on wants, and 20% on savings.

20% may seem like a lot at first, and it may require some adjustments to your lifestyle. But once you get used to it, you probably won’t notice much of a difference in your quality of life. As for myself, I really like the peace of mind that 20% buys. I sleep better at night knowing that I have a good deal of money set aside for a rainy day.

It’s never too late for true love if you use eHarmony

Last week, I wrote a post about using Match.com for free. Today, I’d like to spend some time talking about one of Match’com’s main competitors, eHarmony.

Many of my friends give up on meeting someone or searching for love once they hit their 40s or 50s. And I’ll admit, years ago, it must have been difficult for people in such age ranges to meet eligible singles in the same age group.

This all changed overnight as the Internet brought us online dating sites. Now, it almost doesn’t matter what demographic you belong to. As long as you have an Internet connection, you have no excuse for giving up the search for true love.

Some sites, such as Ourtime even target people who are above a certain age. Other sites target things like religion, politics, or other characteristics that people who date may be looking for.

eharmony free trial offer

While such sites may seem to have a lot of appeal, I find nothing wrong with using more popular, general dating web sites like eHarmony. After all, such sites are geared toward matching you with people you will be most compatible with. While the system they use is complex, age is one of the criteria that is used to find your matches. To get a free trial of eHarmony, just go to Couponleaf.com.

One potential hurdle for older people is getting used to the idea of online dating. Keep in mind, these people grew up in a time before the Internet was invented. The whole notion of finding love online may therefore feel a bit strange or even unnatural to them. I suspect this will change however, as the Internet gets more and more prevalent in our everyday lives. And as older people hear more and more success stories from people who have successfully found love online, they may become a lot more receptive to the idea.

I certainly hope this will be the case, since nobody should have to live their lives alone unless that is their preference. Dating sites like eHarmony can be a powerful tool for older people in search of love, and it is in their best interest to take full advantage of it.


Can You Use Match.com For Free?

The Internet has spoiled us in many ways. Many things that used to cost money, like movies, are now free. Even entertainment is oftentimes free on the Internet. Just think of all the videos, music, and games you can play online at no cost.

It comes as no real surprise then, that when it comes to online dating, many people search for a free solution as well. And to some extent, it’s possible to use dating sites for free. Some of them, such as Okcupid, are actually free to use. But the higher quality dating sites such as Match.com and Eharmony, however, typically will cost you a decent chunk of money.

match.com free trialIf you are really serious about finding a quality date or even a soulmate, I would not hesitate on paying the subscription fees for sites like Match.com. After all, this is your love life we’re talking about. Looking for discounts for things like household items or office supplies is one thing. But for something as potentially life changing as the love of your life, why take the chance with an inferior, free website?

That said, it is possible to use some features of good dating sites like Match.com for free. Setting up an account, creating a profile, and searching other members, for example, are all things that won’t you cost you anything.  When you reach a point where you would like to start communicating with other members, you typically have two options. The first is to get yourself a Match.com free trial. This allows you to use all the features of the site, but as with all things, there is catch. The free trial only lasts for 3 days, so you likely won’t get too far on your online dating journey in such a short span of time.  Nevertheless, click the following link if you want to get the free trial of Match.com.

The other option is to just bite the bullet and get a Match.com subscription. Fortunately, the site is reasonably priced compared to many competitors. If you purchase a long-term subscription that lasts, say, 6 months, your monthly cost will be under $20. That’s the price of one modest dinner, and well worth the price in my opinion given that there are millions of eligible singles on Match.com.

How to reduce the amount of paper you use and save on ink

Ever since I’ve run a business, I’ve noticed that the most frequent purchases I make are for paper and ink. No matter how hard I try, there seems to always be a certain amount of printing I must do. However, it’s also true that there are quite a few methods you can use to reduce the amount of paper and ink that you use. This can ultimately translate into sizable savings for your business.

Granted, things like email and electronic checks have already reduced the amount of paper I use to a significant degree. But equally important, you can use less paper and ink by relying more on electronic receipts. This can be a PDF, an email, or any other form of receipt you receive. All electronic receipts must have the vendor’s name and address, transaction date and the amount paid.

The easiest way to manage your electronic receipts is to store them in special folders. You can also create subfolders for different categories of expenses or dates. The main challenge for me has been organizing the folders in a sensible way. If you don’t have tons of receipts, I think arranging them by month is the easiest.

Ever since I began doing this, I noticed that I use far less ink and paper. But I still do end up printing some documents out of convenience. The cheapest inks I’ve been able to find have been from inkfarm. At this store, you can use inkfarm coupons and save additional money by purchasing used or non-OEM cartridges. I like to get my InkFarm Coupons, promo codes, and discounts from the site, inkjetprinterdiscounts.com.

As for saving on paper, I find that Walmart has the lowest prices for computer paper. I usually try to buy in bulk to get the best deal possible.

The best way to listen to music online

One of the things I enjoy most is vaping a good e-cigarette while listening to music online. Sites such as Pandora, Spotify, and Vevo are some of the most visited sites. And one of the greatest things about listening to music online is that you can highly customize what you’re listening to. It’s safe to say that the Internet on the whole has been really good for the music world.

Today, you have quite a few options for listening to music. One is to simply listen for free using sites like Pandora or Spotify. This is similar to listening to a radio station, and you will be subjected to quite a few commercials. At most sites, you can upgrade to a premium account and be able to skip the commercials completely. This usually ends up costing you around $10 a month.

Another option is to simply purchase the songs you like. I prefer this method because I actually own the songs, and do not have to keep paying a subscription fee to listen to the music. With that being said, I’ll be the first to admit that buying songs can be a hit to your wallet. Most music or mp3 vendors like Amazon charge $1.29 per song. This is a bit high in my opinion, and perhaps that’s why so many people to this day illegally download songs on applications like eMule or by using other software.

But not long ago, I found a better option that is legal and safe. That’s to buy the MP3 files from foreign MP sites like Mp3caprice or Melodishop. If you purchase from these foreign sellers, you can obtain relatively high quality MP3 files for around $0.10 per file. Note that this is a fraction of what you’d pay at most music download sites. I download songs this way almost daily, and the last one I downloaded was ‘Could Have Been Me’ from MP3spotter.com.

The only downside is to use such sites, you first need to make a deposit, and the deposits are usually a minimum of $20 – $30. However, after you make your initial deposit, you can literally download hundreds of files. It’s conceivable that the deposit you make will last you for years, depending on how many files you download. Therefore, although there is an upfront cost, using this method to purchase MP3 files will still save you a great deal of money long term. But this is just one of the ways you can save money on the Internet. You can get other ideas about saving money on things like E-cigarettes and E-liquids by going to E-cigbargain’s facebook page.

So if you want to own your music, stop using expensive download sites or subscription sites, and be sure to give foreign MP3 sites a try.

Two ways to add security to your business using backup systems and Deluxe

I’ve been the victim of data loss on a number of occasions, and they typically occur suddenly and unexpectedly. A hard drive can fail at any moment, and unfortunately the results can be devastating. This is especially true if you run a business or manage financial matters on your computer.

carbonite screenshotIt goes without saying that having some sort of method of backing up files is absolutely essential. For a long time, I used a backup hard drive, but to be honest, I was not very diligent about making backups. I would sometimes go weeks or months without making necessary backups.

These days, I use a backup service called Carbonite, which automates all the tasks. Once installed, the program runs on your computer and conducts all backup tasks “behind the scenes” while you’re doing other things on the computer. As far as I can tell, Carbonite does not use a lot of resources either.

As for price, Carbonite is quite affordable, costing around $60 a year, which ends up being about $5 per month. Before signing up, I used a free trial for 14 days so I understood exactly how the program works.  If you already know you want to purchase Carbonite, however, you can take advantage of  carbonite coupon code from various shopping sites get 30% off of the regular price of the software.

Regardless of whether or not you use Carbonite, it’s important that you use some type of backup solution. Other options you might consider include Norton 360, Idrive, and CrashPlan. For a full list of great backup services, check out this article on PCMag. If possible, make sure you get a free trial for any of these programs so you have a chance to check out how they work before placing an order.

Something else you should be doing at your business is buying high-security checks from companies like Deluxe. Check fraud, unfortunately, is still a large issue that plagues many businesses. The best way around this is to invest a bit of extra cash upfront by purchasing high-security checks. By using Deluxe Checks Coupons, you can get such checks at a relatively low price. Get the most recent Deluxe discount codes here. It’s important to remember that you should also buy as many checks as possible in a single order, since this will also bring down the price you pay.

You can also add security to your business by moving away from paper checks altogether and using Deluxe eChecks instead. This eliminates the possibility that a lost or stolen check will be cashed in by somebody who does not own the check. An eCheck will be sent directly to the recipient’s email address, and they will then be able to print and deposit the check.

Getting free shipping for vitamins

Bottle of VitaminsIf you take vitamins on a regular basis, the last thing you want to do is purchase them locally from stores like Hi Health, Vitamin Shoppe, or Whole Foods. The reason I warn against purchasing from such stores is that they charge a lot for their supplements. In most cases, you can get a much more favorable price per bottle by looking for the same supplements online. Sometimes, you can get the same brand for half the price you’d pay at any of the stores I just mentioned.

The one issue about online purchases, however, is that you must pay for shipping. The best way to get around this is by placing a large order. At most online merchants, you will receive free shipping at a certain point if your order is large enough. Typically, you need to have about $50 to $75 worth of supplements in your cart before you will qualify for free shipping. This has made it necessary for me to plan carefully and purchase several months worth of supplements each time I place an order.

This is no longer the case, however. Recently, I discovered a discount supplement store called Pureformulas. The thing that makes Pureformulas different from other online stores is that they offer free shipping on all orders, regardless of size. This means I can now order a single bottle of a vitamin or supplement, receive everyday, low Internet prices, and not have to pay shipping on top of this. Before Pureformulas, I was buying single bottles from local stores despite the higher price, because I didn’t want to pay $8 for shipping. I no longer have to do this, thanks to Pureformulas’ free shipping policy. And don’t forget, you can get Pureformulas coupons online if you go to Referralbusinessbuilders.com, which will increase your savings even further.

For information about other online stores that sell vitamins and supplements, make sure you pay a visit to http://www.referralbusinessbuilders.com/

Introduction and Welcome

woman running

I’m not going to lie. The last 10 years of life have been a bit harsh. I not only lost my home, but also a lot of money through bad investments. Just about ever real estate investment I put money in prior to 2007 ended up going belly up. This included condominium projects, mortgage paper, and rental units.  All said, I lost almost all of my assets during this period.

When times are rough, there can certainly be a domino effect, and through this difficult time, other aspects of my life began to fall apart as well. This culminated with serious health problems that landed me in the hospital. At the time, I did not have good insurance, (this happened before the ACA kicked in) and I therefore ended up taking an additional financial hit.

SInce that time, I’ve slowly managed to recover physically, mentally, and financially. I realized that nothing happens overnight, but that you have to chip away and make small progress each day to reach your goals. I decided to start this website to help anyone who might be facing challenges in their life. To this end, I will focus on 3 things.

  1. Personal Finance
    You need to have your financial house in order first and foremost. But most Americans are surprisingly ignorant about personal finance. I recommend everyone get a program like Quicken, and also read a few books about investments and wealth. A good place to start may be the Rich Dad, Poor Dad series of books. For those who don’t know, these books are considered classics and help individuals understand the basics of building wealth.Another topic this site will be devoted to is saving money, which goes hand in hand with personal finance. My focus will be on online shopping and using tools on the Internet to make wise financial decisions. I will be sharing online coupons and plenty of tips on how to hunt for bargains on the Internet. I truly believe that the Internet is a great resource for finding ways to save money. I use it all time to to get great deals, and purchase most items on the Internet these days.
    A good site to visit to learn more about personal finance is Forbe’s personal finance page.
  2. Physical Health
    It’s not easy to be healthy in today’s world. Instead of giving you a strict regimen to follow, I believe in taking baby steps. To this end, I will be sharing a number of tips to improve your health. This can include things like switching to E-cigarettes, taking daily vitamins, and simple exercises you can do.No one thing will revolutionize your physical health, but if you start making habits of doing small things that are good for you, don’t be surprised if after a few months you start looking and feeling a lot better.
  3. Using the Internet
    We’re all online these days, but I continue to believe the Internet is an underutilized resource. I think the main problem is that so many people use the Internet strictly as a social or entertainment outlet. While the web is great for such purposes, the greatest strength of the Internet in my opinion is its value as a research tool.I spend all my time online, and come across lots of great information, great sites, and neat tools I can use to improve the quality of my life. I will be sharing these finds with you in future posts.

It’s also important to set concrete goals. You can say things to yourself like you’re going to start saving money, but such a vague goal usually does not yield results. It’s better to make a specific goal, such as telling yourself you will set aside 10 percent of your income and put it into a savings account. Another example could be creating a budget and allocating a maximum number of dollars to spend each month on certain expenses.

I used to not track my spending at all. But this all changes years ago when I started using financial software such as Quicken. I also use spreadsheets to track my investments and personal spending. These two things alone have contributed greatly to living a much more financially responsible life.

I suppose I’ve rambled enough for my first most. The main theme, in case you haven’t noticed yet, is that knowledge is power. I hope to help you learn how to harness the power of the Internet to become more well-informed about health, finances, and how to shop and save money.  This is my goal. Now that life has gotten better for me, I aim to give something back to others. I learned a lot from my mistakes, and maybe by sharing some of what I found out the hard way, I can save some of you from making the same mistakes in life that I made.

In my next post, I will be talking about how you can get free shipping for vitamins.