Household Homework

Kids aren't the only ones who have homework to do this fall. As the kids head back to school and do their homework every night, it's important for adults to also do their own household homework. Maintaining a well-run household is hard work, but the more you get into a groove of accomplishing your tasks, the easier it becomes!

Here are 10 "assignments" to add to your household homework list.

  1. Save for the holidays.
    It's never too early to start saving your pennies for Christmas, birthdays, Valentine's Day and any other holiday that involves gift giving. Every year, thousands of families go into credit card debt because they were caught off-guard when Christmas came in December! Save up for the holidays so you don't have to be in debt for the rest of the year.

  2. Check insurance rates.
    Don't just assume you are getting the best insurance rate possible. When it's time to renew your insurance policy, shop around to see if you can find a better deal. It may be tedious, but it's worth saving a few hundred bucks, isn't it? Do this with home, auto and any other insurance you renew annually.

  3. Get identity theft protection.
    While you're shopping around for better insurance rates, get some identity theft protection as well. For less than $100 a year, you can protect yourself from identity theft. It takes more than $100 a year to clean up the mess if your identity is stolen, so this protection is well worth it.

  4. Make a legacy drawer.
    Stop procrastinating and just do it! You need a will and other important documents neatly organized so your family is taken care of if something happens to you. It doesn't matter if you're single and making a small income or married and have 10 grandchildren, get your documents in order!

  5. Teach kids about money.
    Don't depend on the school to teach your kids about money. You don't want the government telling your child how to spend money, do you? Make a commitment to let your kids know the importance of money and what it takes to handle it properly. This is a great way to set a firm financial foundation for them.

  6. Get your credit report.
    Every year you can get a free copy of your credit report from the three different credit bureaus. Read over each report to make sure there are no inaccuracies. If you find a mistake, correct it as soon as possible. Make it a habit to check your credit report annually.

  7. Buy term life insurance.
    Whole life insurance is a complete rip-off. If you have it, cancel your policy and get term life insurance instead. You can find low rates that won't pinch your budget every year. Plus, by the time the insurance term ends, you should have enough money saved up to cover any life situation.

  8. Save for vacation.
    Does your annual trip always leave you in debt? This year, start saving early for your vacation so you can enjoy it without paying for it later. A vacation feels even better when you're able to return home without bills in your mailbox.

  9. Auto maintenance
    Don't forget to take care of your car, too! Taking it in for regular oil changes and check-ups is preventative maintenance, and it will save you from spending lots of cash later on. Owning a car is expensive, so make sure you properly maintain it in order to cut down on costs in the long run.

  10. Home maintenance
    Buying a home is probably the most expensive purchase you will ever make. Since you put so much money into your home, doesn't it make sense to take care of it? Don't ignore routine maintenance, like checking your HVAC unit, making sure all of your windows seal correctly, and fixing or replacing things that are broken. Take care of your investment!

These are just some of the ways to be an A student in your home. Try keeping a list on your refrigerator, devoting some time to a task each week, and then enjoy crossing items off the to-do list! You'll breathe much easier knowing your homework's getting done.

When was the last time you fine-tuned your budget and made it work the best for you? Find out how Dave Ramsey?s Financial Peace University will help you dump debt and build wealth.

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Source: http://www.daveramsey.com/article/household-homework/lifeandmoney_other

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15 Irrefutable Signs That Climate Change Is Real


Polar Bear Ice

From rising air and ocean temperatures to shrinking glaciers and widespread melting of snow and ice, evidence of a changing global climate is all around us. 

The Intergovernmental Panel on Climate Change has linked many of these changes in climate to an increase greenhouse gas emissions from human activities, which was documented in a 2007 assessment report compiled by thousands of scientists over decades of research and debate.

Regardless of their causes – whether you believe in anthropogenic drivers, like fossil fuels from power plants and cars or not — the observed changes in climate are scientific facts that have grave implications for the future of natural and human systems.

Global temperature trends estimated by four different research groups all show a warming of the Earth over the past century, with particularly rapid increases over the past few decades.

Source: EDF

Since 1901, global average surface temperatures have risen at an average rate of 0.13ºF per decade. The United States has warmed at nearly twice the global rate since the 1970s.

Source: EPA

The years between 1995 and 2006 rank among the 12 warmest years in the instrumental record of global surface temperature (since 1850).

Source: IPCC 2007

See the rest of the story at Business Insider

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Source: http://feedproxy.google.com/~r/businessinsider/~3/FJ0c8xAQ0jE/climate-change-global-warming-scientific-evidence-2011-8

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Bernanke Finally Admits Economic Realities And Still The Fed Does Nothing


Paul Krugman

One positive thing in Bernanke’s speech — I’m trying to look on the bright side — is that for what seems to me the first time he has more or less acknowledged that we are not, in any real sense, experiencing a recovery:

Notwithstanding these more positive developments, however, it is clear that the recovery from the crisis has been much less robust than we had hoped. From the latest comprehensive revisions to the national accounts as well as the most recent estimates of growth in the first half of this year, we have learned that the recession was even deeper and the recovery even weaker than we had thought; indeed, aggregate output in the United States still has not returned to the level that it attained before the crisis. Importantly, economic growth has for the most part been at rates insufficient to achieve sustained reductions in unemployment, which has recently been fluctuating a bit above 9 percent.

Read the rest of this article at The New York Times.

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Source: http://feedproxy.google.com/~r/businessinsider/~3/CusuZHv7j2M/

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HURRICANE IRENE: Terms You Should Know So You Can Tell When To Panic


hurricane

As Hurricane Irene barrels toward New York, here is an explanation of hurricane terms to help you figure out when things are getting really bad:

  • Hurricane Warning: Issued 36 hours before hurricane conditions (sustained winds of at least 74mph) are expected within the specified area. The National Hurricane Center issued a hurricane warning at 5 p.m. today for areas north of Sandy Hook, N.J., stretching all the way to Massachusetts, including New York City, Long Island, the Long Island Sound, coastal Connecticut and Rhode Island, Block Island, Martha's Vineyard, and Nantucket.
  • Hurricane Watch: We are past this point, but a hurricane watch is issued when hurricane conditions are possible. This is issued 48 hours before the hurricane is expected to hit.
  • Hurricane Advisory: Official information issued by hurricane warning centers that explains the watches and warnings, including details about the locations, intensity, and movement of the storm. For Hurricane Irene advisories, check here.
  • Storm Surge: A "dome" of ocean water propelled by the hurricane that can destroy large buildings and coastal communities. A storm surge can hit land five hours before the hurricane, and can also happen after the hurricane moves away, as the ocean water falls back to confined spaces like the Long Island Sound. Large areas of south Queens, south Brooklyn, the lower east and west sides of Manhattan, and the coastline of Staten Island could all suffer major damage in the event of "storm surge."
  • Landfall: The moment where the hurricane hits the coast. It's possible for the strongest hurricane winds to be experienced on land, even if the storm doesn't make landfall.
  • President's Emergency Declaration: President Obama issued an Emergency Declaration for Bronx, Kings, New York, Queens, Richmond, Nassau, and Suffolk counties in New York. This authorizes the Federal Emergency Management Agency to coordinate disaster relief and releases federal funding at 75%.
  • State of Emergency: New York and New Jersey have declared states of emergency for Hurricane Irene. This enables the state to use its resources to help local governments, bring in outside resources, and coordinate state agencies — and the National Guard — to respond to the disaster.

Compiled from multiple sources.

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Source: http://feedproxy.google.com/~r/businessinsider/~3/JZtlULvB1Ag/hurricane-irene-terms-you-should-know-so-you-can-tell-when-to-panic-2011-8

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Heinz Camouflages Price Hikes With Smaller Sizes For Strapped Consumers

H.J. Heinz has introduced smaller packaging to reduce the entry price for its packaged food products as consumers reduce grocery expenditures amid a weak economic recovery.

Source: http://www.forbes.com/sites/greatspeculations/2011/08/26/heinz-camouflages-price-hikes-with-smaller-sizes-for-strapped-consumers/

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Heinz Camouflages Price Hikes With Smaller Sizes For Strapped Consumers

H.J. Heinz has introduced smaller packaging to reduce the entry price for its packaged food products as consumers reduce grocery expenditures amid a weak economic recovery.

Source: http://www.forbes.com/sites/greatspeculations/2011/08/26/heinz-camouflages-price-hikes-with-smaller-sizes-for-strapped-consumers/

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Buffett?s Capital Never Comes Cheaply As BofA Knows

This deals comes at an opportune time for the bank and shows CEO Moynihan's willingness to pay a Buffett premium to help calm market concerns that Bank of America is under-capitalized.

Source: http://www.forbes.com/sites/greatspeculations/2011/08/26/buffetts-capital-never-comes-cheaply-as-bofa-knows/

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How Much Debt Can Your Debtometer Handle?

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People sometimes get in too deep with debt because they don't know when to stop taking on more debt. There's no thermometer or gauge that lets you know you're reaching your limit so it's easy to just keep charging and taking out loans until the banks cut you off. However, by the time that happens, it's often too late.

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Source: http://ezinearticles.com/6520509

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Even Responsible People May Find It Necessary To File For Bankruptcy

Even Responsible People May Find It Necessary To File For Bankruptcy There are times when a person, no matter how responsible they are, may have to file for bankruptcy. This will be a very difficult decision that will not go down well but fortunately there are laws in place that have been formulated to help [...]

Source: http://www.legaldebthelponline.com/2011/08/26/even-responsible-people-may-find-it-necessary-to-file-for-bankruptcy/

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