tag:blogger.com,1999:blog-8752377330115775592024-03-18T21:18:15.598-07:00The savingandinvesting.com blogsavingandinvesting.comhttp://www.blogger.com/profile/09403962540146151790noreply@blogger.comBlogger109125tag:blogger.com,1999:blog-875237733011577559.post-77631009427422771202011-09-15T09:09:00.000-07:002011-09-15T09:09:59.479-07:00New Video: V2D. Illustrated Shortcomings of the P/E Ratio (and other ratios)<span class="Apple-style-span" style="line-height: 14px;"><span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif;">The P/E ratio has numerous shortcomings - some of which relate to how earnings are calculated, and some of which relate to the nature of looking at one year's data (as the other ratios like EV/EBITDA and P/Sales) do as well. This video illustrates in brief issues that relate to looking at one year of data.</span></span>savingandinvesting.comhttp://www.blogger.com/profile/09403962540146151790noreply@blogger.com0tag:blogger.com,1999:blog-875237733011577559.post-7741588425063738252011-09-15T09:08:00.000-07:002011-09-15T09:12:33.513-07:00New Video: 10C. Gross Margin, Operating Margin and Net Margin<span class="Apple-style-span" style="line-height: 14px;"><span class="Apple-style-span" style="font-family: inherit;">This video looks at the Income statement in a bit more detail - and in particular, looks at the gross, operating and net margins and what they can tell us about how the company makes money, its efficiency, and how these margins can be used to compare companies.</span></span>savingandinvesting.comhttp://www.blogger.com/profile/09403962540146151790noreply@blogger.com0tag:blogger.com,1999:blog-875237733011577559.post-90058375583798042402011-08-05T15:35:00.000-07:002011-08-05T15:35:19.592-07:00New Video: The Illustrated Leverage Example<span class="Apple-style-span" style="font-family: arial, sans-serif; font-size: 12px;"></span><br />
<table id="table" style="-webkit-border-horizontal-spacing: 0px; -webkit-border-vertical-spacing: 0px; background-attachment: initial; background-clip: initial; background-color: white; background-image: initial; background-origin: initial; background-position: initial initial; background-repeat: initial initial; border-bottom-width: 0px; border-collapse: collapse; border-color: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-size: 12px; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; width: 750px;"><tbody id="videos" style="background-attachment: initial; background-clip: initial; background-color: transparent; background-image: initial; background-origin: initial; background-position: initial initial; background-repeat: initial initial; border-bottom-width: 0px; border-color: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-size: 12px; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px;">
<tr class="video even" id="video-mctrbKLbxZ8" style="background-attachment: initial; background-clip: initial; background-color: #f3f3f3; background-image: initial; background-origin: initial; background-position: initial initial; background-repeat: initial initial; border-bottom-width: 0px; border-color: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-size: 12px; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px;"><td class="column-details" style="background-attachment: initial; background-clip: initial; background-color: transparent; background-image: initial; background-origin: initial; background-position: initial initial; background-repeat: initial initial; border-bottom-width: 0px; border-color: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-size: 12px; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 10px; padding-left: 4px; padding-right: 4px; padding-top: 10px; vertical-align: middle;"><div class="video-panel" style="background-attachment: initial; background-clip: initial; background-color: transparent; background-image: initial; background-origin: initial; background-position: initial initial; background-repeat: initial initial; border-bottom-width: 0px; border-color: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-size: 12px; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px;"><div class="video-details" style="background-attachment: initial; background-clip: initial; background-color: transparent; background-image: initial; background-origin: initial; background-position: initial initial; background-repeat: initial initial; border-bottom-width: 0px; border-color: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-size: 12px; margin-bottom: 10px; margin-left: 140px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px;"><div class="video-description-expanded" id="video-description-mctrbKLbxZ8" style="background-attachment: initial; background-clip: initial; background-color: transparent; background-image: initial; background-origin: initial; background-position: initial initial; background-repeat: initial initial; border-bottom-width: 0px; border-color: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-size: 12px; line-height: 14px; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px;"><span dir="ltr" style="background-attachment: initial; background-clip: initial; background-color: transparent; background-image: initial; background-origin: initial; background-position: initial initial; background-repeat: initial initial; border-bottom-width: 0px; border-color: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-size: 12px; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px;">This video illustrates how leverage works when debt is used to augment our own capital (the equity) to purchase an asset.</span></div></div></div></td></tr>
</tbody></table>savingandinvesting.comhttp://www.blogger.com/profile/09403962540146151790noreply@blogger.com0tag:blogger.com,1999:blog-875237733011577559.post-65277675032374510292011-05-22T13:16:00.000-07:002011-05-22T13:16:36.145-07:00New Video: The Illustrated Cash Flow Statement ExampleWe have uploaded a new video - this video illustrates how the cash flow statement look and what it shows through an easy-to-follow example.savingandinvesting.comhttp://www.blogger.com/profile/09403962540146151790noreply@blogger.com0tag:blogger.com,1999:blog-875237733011577559.post-72089349705367472882011-05-15T08:39:00.000-07:002011-05-15T08:39:44.477-07:00New Video: The Illustrated Balance Sheet Example<span class="Apple-style-span" style="font-family: arial, sans-serif; font-size: 13px; line-height: 18px;">This video provides a sample Balance Sheet and illustrates the components of the Balance Sheet and what kinds of things can happen on the Balance Sheet.</span>savingandinvesting.comhttp://www.blogger.com/profile/09403962540146151790noreply@blogger.com0tag:blogger.com,1999:blog-875237733011577559.post-76823329716616893492011-05-02T11:36:00.000-07:002011-05-15T08:37:09.600-07:00New Video: The Illustrated Income Statement Example<span class="Apple-style-span" style="font-family: Verdana; font-size: 11px; line-height: 14px;">This video goes through an income statement - what it typically looks like, what information it captures and how it can be affected for example by a change in revenues.</span>savingandinvesting.comhttp://www.blogger.com/profile/09403962540146151790noreply@blogger.com0tag:blogger.com,1999:blog-875237733011577559.post-71226676494714587512011-04-23T09:50:00.000-07:002011-04-23T09:50:50.041-07:00New Video: The Illustrated Compounding ExampleWe have uploaded a new video - on Compounding - that shows with a very simple example how compounding can work in practice.savingandinvesting.comhttp://www.blogger.com/profile/09403962540146151790noreply@blogger.com0tag:blogger.com,1999:blog-875237733011577559.post-81656711932352552212010-10-23T03:02:00.000-07:002010-10-23T03:02:42.702-07:00Saving and Investing Workbook published<span class="Apple-style-span" style="font-family: Verdana, sans-serif;"><span class="Apple-style-span" style="font-size: small;">We have pleased to announce that we published a workbook based on the original 'Saving and Investing' Book - the workbook covers all of the materials and more through 937 questions with answers and explanations. It is a very comprehensive book structured in the same away as the first one that covers a huge amount of material that one should know with respect to saving and investing.</span></span>savingandinvesting.comhttp://www.blogger.com/profile/09403962540146151790noreply@blogger.com1tag:blogger.com,1999:blog-875237733011577559.post-33383321766735615012010-10-22T02:09:00.000-07:002010-10-22T02:09:38.822-07:00New UK tax saving guide today: Property Capital Gains Tax<span class="Apple-style-span" style="font-family: Verdana, sans-serif;"><span class="Apple-style-span" style="font-size: small;">Taxcafe has published a brand new tax saving guide today:</span></span><br />
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Property Capital Gains Tax<br />
by Carl Bayley</span></span><br />
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<span class="Apple-style-span" style="font-family: Verdana, sans-serif;"><span class="Apple-style-span" style="font-size: small;">This guide contains dozens of NEW capital gains tax saving strategies and is essential reading for ALL property investors and second home owners.</span></span><br />
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<span class="Apple-style-span" style="font-family: Verdana, sans-serif;"><span class="Apple-style-span" style="font-size: small;">Subjects covered include:</span></span><br />
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<span class="Apple-style-span" style="font-family: Verdana, sans-serif;"><span class="Apple-style-span" style="font-size: small;">* The new capital gains tax rules announced in the June Budget.<br />
* How to reduce your taxable income and pay CGT at 18% instead of 28%.<br />
* How one property investor could save over £30,000 by doing exactly that.<br />
* How your spouse or partner can now save you almost £18,000 in capital gains tax every year.<br />
* How one couple could save £167,000 in CGT and £40,000 income tax by following the strategies in this guide.<br />
* How your children can help you avoid capital gains tax completely.<br />
* How trusts can be used to safeguard children’s properties.<br />
* How to convert heavily taxed income into leniently taxed capital gains.<br />
* Main residence elections - How to enjoy a tax-free second home.<br />
* How unmarried couples can have two tax-free main residences... plus the traps to avoid.<br />
* How one property investor will pay £29,180 less tax per property by using a company.<br />
* The new Entrepreneurs Relief rules - How to pay tax at 10% and save up to £1.8 million.<br />
* How one investor with a £200,000 profit will pay just 4% tax after living in the property for only a year.<br />
* Plus lots more...</span></span>savingandinvesting.comhttp://www.blogger.com/profile/09403962540146151790noreply@blogger.com0tag:blogger.com,1999:blog-875237733011577559.post-33834088462433205712010-09-25T06:55:00.001-07:002010-09-25T06:55:03.192-07:00Kindle/Ebook Version availableAn e-book version of 'Saving and Investing - Financial Knowledge and Financial Literacy that Everyone Needs and Deserves to Have!' has just been published. Click on Link above to get to Amazon version - price is lower and content the same.savingandinvesting.comhttp://www.blogger.com/profile/09403962540146151790noreply@blogger.com0tag:blogger.com,1999:blog-875237733011577559.post-25587221213510591352010-09-15T04:51:00.000-07:002010-09-15T04:51:57.850-07:00TaxCafe has launched 'Salary vs. Dividends' UK Business Tax Guide for 2010 (UK)<div style="font-family: Helvetica;">TaxCafe is delighted to announce the launch today of a brand new edition of our bestselling business tax guide:</div><div style="font-family: Helvetica;">~~~~~~~~~~~~~~~~~~~~~~~~~~~~~<br />
Salary vs Dividends<br />
by Carl Bayley<br />
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~</div><div style="font-family: Helvetica;">This guide is a must read for EVERY company owner and director.</div><div style="font-family: Helvetica;">It will show you how to reduce ALL the taxes you face: income tax, national insurance, corporation tax and capital gains tax.</div><div style="font-family: Helvetica;">This latest edition is completely up to date and packed with new tax saving ideas.</div><div style="font-family: Helvetica;"><br />
</div><div style="font-family: Helvetica;">Subjects covered include:</div><div style="font-family: Helvetica;">* How to choose the most tax efficient mix of salary and dividends for YOU.<br />
* Exactly how much in tax-free dividends you can take this year.<br />
* Using loans to directors to achieve massive additional tax savings.<br />
* How one director will save up to £11,364 by doing this.<br />
* How to save almost £16,000 in corporation tax by timing your income carefully.<br />
* The best tax saving techniques for directors with spouses/partners.<br />
* Tax saving techniques for directors with children and family companies.<br />
* Tax saving techniques for older directors.<br />
* Advanced tax planning strategies for high-income earners.<br />
* Sample documentation to keep the taxman happy.<br />
* New capital gains tax planning strategies for company owners.<br />
* Plus lots and lots more...</div><div style="font-family: Helvetica;"></div>savingandinvesting.comhttp://www.blogger.com/profile/09403962540146151790noreply@blogger.com1tag:blogger.com,1999:blog-875237733011577559.post-68793927210115774722010-09-05T05:36:00.001-07:002010-09-05T05:36:40.266-07:00New Video: Mutual Funds 5: Fees: Load, No-Load etc.<span class="Apple-style-span" style="font-family: Verdana; font-size: 11px; line-height: 14px;">Mutual funds come with different types of fees - understanding these fees and being smart about keeping the fees under control is very important given the difference that a small percentage difference in the return per year can make over the long term. Part of this relates to active versus passive management, and a part of it refers to some of the other terms that are used, and a major part of it refers to just looking at this in some detail and reading the fine print.</span>savingandinvesting.comhttp://www.blogger.com/profile/09403962540146151790noreply@blogger.com0tag:blogger.com,1999:blog-875237733011577559.post-16690465728396554572010-08-26T22:09:00.000-07:002010-08-26T22:09:33.948-07:00TaxCafe has launched 'How to Avoid Property Tax' Guide for 2010 (UK)<span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><span class="Apple-style-span" style="font-size: small;">Please note that TaxCafe has just launched the 2010 UK Property Tax Guide. </span></span><span class="Apple-style-span" style="font-family: Helvetica;"><span class="Apple-style-span" style="font-size: small;">The latest edition contains ALL of the tax changes announced in the June Budget, making it an essential addition to every property investor's bookshelf.</span></span><br />
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<span class="Apple-style-span" style="font-family: 'Helvetica Neue', Arial, Helvetica, sans-serif;"><div style="font-family: Helvetica;"><span class="Apple-style-span" style="font-size: small;">They have also just released a fully updated edition of How to Save Tax, which contains 134 pages of tax tips and is free when you purchase How to Avoid Property Tax.</span></div><div style="font-family: Helvetica;"><span class="Apple-style-span" style="font-size: small;"><br />
</span></div><div style="font-family: Helvetica;"><span class="Apple-style-span" style="font-size: small;">Subjects covered in How to Avoid Property Tax include:</span></div><div style="font-family: Helvetica;"><span class="Apple-style-span" style="font-size: small;">* A plain English guide to the new capital gains tax rules.<br />
* How to minimise your CGT bill under the new rules.<br />
* How to use trusts to get extra tax-free capital growth.<br />
* How couples can now pay capital gains tax at just 10% on £10 million of capital gains.<br />
* How your spouse or children can help you save more tax following the June Budget.<br />
* How couples can save over £22,000 income tax every year.<br />
* How to delay paying tax on rental income by up to 2 years.<br />
* How to get the taxman to pay your travel costs (flights, hotels,restaurants).<br />
* How to get a tax refund of £50,000 when you buy commercial property.<br />
* How to write off new kitchens and bathrooms as repairs and get the taxman to pay 40%.<br />
* Motoring costs you can claim.<br />
* How to make the mortgage on your home tax deductible by borrowing against your buy-to-let properties.<br />
* How to claim tax relief for mortgage interest even if the money is used for personal reasons.<br />
* How re-mortgaging property can save you thousands in tax.<br />
* Plus lots more...</span></div></span>savingandinvesting.comhttp://www.blogger.com/profile/09403962540146151790noreply@blogger.com0tag:blogger.com,1999:blog-875237733011577559.post-65688739707091800932010-08-23T14:56:00.000-07:002010-08-23T14:56:22.929-07:00New Video: Why do Bond Prices fall when Interest Rates rise?<span class="Apple-style-span" style="font-family: Verdana; font-size: 11px; line-height: 14px;">At first it might appear confusing that bond prices fall when interest rates rise - when properly looked at though this makes a lot of sense. This video clarifies why this is the case.</span>savingandinvesting.comhttp://www.blogger.com/profile/09403962540146151790noreply@blogger.com0tag:blogger.com,1999:blog-875237733011577559.post-46347884949730738052010-08-11T02:52:00.000-07:002010-08-11T02:52:38.845-07:00New Video: B1. Book Review: The Big Short, by Michael Lewis<span class="Apple-style-span" style="font-family: Verdana; font-size: 11px; line-height: 14px;">In this series I would like to highlight entertaining books that relate to saving and investing or events that have taken place in financial markets. This first video highlights 'The Big Short' by Michael Lewis - a book about the players involved in the sub-prime lending fueled housing bubble, whose implosion allowed a small number of hedge funds to make spectacular returns, while the holders of this sub-prime debt got pulled down with the implosion leading to numerous bailouts and the ensuing debate about risk, bonuses etc.</span>savingandinvesting.comhttp://www.blogger.com/profile/09403962540146151790noreply@blogger.com0tag:blogger.com,1999:blog-875237733011577559.post-19229547965499393122010-04-03T18:02:00.000-07:002010-04-03T18:02:23.876-07:00New Video: The Key: The Basic PrinciplesWe have created a lot of videos on various subjects - some of them more detailed, some of them less - having done all of that - we thought it was a good idea just to provide a reminder of the most important thing to start with - the key: the basic principles.savingandinvesting.comhttp://www.blogger.com/profile/09403962540146151790noreply@blogger.com0tag:blogger.com,1999:blog-875237733011577559.post-57823178516661370892010-03-16T10:14:00.000-07:002010-03-16T10:14:06.597-07:00New Video: Introduction to Share-BuybacksWe have uploaded a new video - An Introduction to Share Buy-Backs - in the Corporate Finance Series. Share Buy-Backs represent a way for companies to manage their capital structure, to potentially use cash to buy undervalued shares and to signal potential undervaluation - for shareholders, like dividends, share buy-backs represent a return of cash from the company to shareholders.savingandinvesting.comhttp://www.blogger.com/profile/09403962540146151790noreply@blogger.com0tag:blogger.com,1999:blog-875237733011577559.post-78367750079057771362010-03-11T09:25:00.000-08:002010-03-11T09:25:36.345-08:00New Video: Time Value of MoneyWe have uploaded a new video regarding the Time Value of Money - an often spoken about concept that relates to compounding, discounting, present and future values.savingandinvesting.comhttp://www.blogger.com/profile/09403962540146151790noreply@blogger.com0tag:blogger.com,1999:blog-875237733011577559.post-62452934622887731172009-10-09T09:14:00.000-07:002009-10-09T09:24:41.711-07:00Guest Blog: A Budget That Works for You<div>Creating a personalized budget is simple once you determine what percentage of your monthly income is to be set aside for bills. You start by totaling all your debt and all sources of income before you can decide what amount can be designated per expense category. </div><div><br />List essential categories first, followed by other basic monthly bills. For example, Utilities, Food, House, and Medical will be the top priorities. Expenses such as Family, Clothing and Transportation will come next, followed by the non-essentials: Entertainment, Debt and Investments. Here is a break-down of these categories:<br /><br />Utilities: water & sewer, gas &/or oil, electric, telephone (wireless &/or land-lines)<br /><br />Food: eating out, groceries, snacks, or lunches; using coupons when grocery shopping offers extra savings, especially for sale items.<br /><br />House: mortgage or rent payment, repairs, property taxes<br /><br />Medical: prescriptions, health insurance, co-pays or relevant out-of-pocket costs<br /><br />Family: child support, alimony, or child care<br /><br />Clothing: work, school, formal occasions, uniforms<br /><br />Transportation: repairs and maintenance, gas, auto payments and insurance: also includes buses, subway, or toll booths.<br /><br />Entertainment: vacations, subscriptions, club memberships, movie rentals or cinema tickets, satellite or other television services<br /><br />Debt: student loans, credit cards, business loans<br /><br />Investments: 401K, Christmas club, stocks, savings accounts, or college funds<br /><br />Don’t overlook the occasional, miscellaneous expenses such as birthdays, weddings, anniversaries, and unplanned special occasions. Other expenses to plan ahead for are the seasonal ones like swimsuits, summer camps, field trips, new clothes and shoes for school, and school functions.<br /><br />One easy way to start your budget system is to buy a cheap coupon organizer, create your categories and for each one, put in the allotted amount of cash. Be sure to take care of the essential expenses first. Taking this first major step sets you on the path to becoming free of debt and effectively managing your hard earned money.<br /><br />A budget that is customized for you is vital for effective money management. Keep in mind that your debt was not created overnight and a budget is simply a tool that’s useless unless put into action. It may take a few months before you see the positive results of sticking to your budget. Creating your own budget by using these categories of basic expenses is the fastest and easiest way of reducing your debt and learning how to properly handle finances.<br /><br />If you need more precise guidelines to help you start the process of building your own budget, there are many resources available to you. Several of these can be found on the Internet simply by doing a search on “budgets” or “how to do a budget”.<br /><br /><br /><br />Debbie Dragon is a freelance writer providing articles for <a href="http://billeater.com">Billeater.com</a>, a site that helps it's readers <a href="http://billeater.com/">save money</a>, with unique <a href="http://billeater.com/">money saving tips</a> and tricks for your busy lifestyle.</div>savingandinvesting.comhttp://www.blogger.com/profile/09403962540146151790noreply@blogger.com1tag:blogger.com,1999:blog-875237733011577559.post-38466253192541206502009-09-25T00:03:00.000-07:002009-09-25T00:13:24.687-07:00Making Your Money Go FartherThis guest post is by Tisha Tolar, a writer for DebtFreeDestiny.com, where she provides information about <a href="http://www.debtfreedestiny.com">credit card consolidation</a>, debt relief and <a href="http://debtfreedestiny.com">how to get out of debt</a>.<br /><br /><br />With falling stock prices and job layoffs, stretching your money is more important now than it has been in many years. Budgeting is a common technique for managing money; yet many people find the budgeting process too convoluted. The spreadsheets and receipts become overwhelming. <br /><br />With any system, if it becomes too much work, you quit doing it. The solution for finding the right way to track your spending involves creating a system that is simple and easy to use with no more than one or two steps. <br /><br />Instead of using a combination of credit cards, checks, debit cards and cash, use an envelope system. The envelope system involves the use of only cash. This system pays for expenses such as food, haircuts, entertainment, gasoline, gifts and clothing. It generally does not cover fixed expenses such as mortgage, utilities, and telephone, tuition and loan payments. Here is how it works:<br /><br />Determine how much money you should be spending or have available to spend each month. Note that the amount should not exceed the disposable income you have available after paying your fixed expenses. <br />To arrive at this amount, subtract your monthly fixed expenses from your monthly income. The amount left is your disposable amount. <br />Divide your monthly disposable amount of money by four. This is how you arrive at your weekly budget.<br />Put cash in an envelope equal to the weekly amount you set aside. <br />For one week, all the money you spend comes from the cash in the envelope. This means you will not be using credit cards, debit cards or writing checks. This also means you don’t have to transfer the information from your receipts to a gad-awful spreadsheet. <br />At the end of the week, any leftover funds can be set aside for emergencies or larger purchases. Another option is to move the leftover money into next week’s envelope. <br /><br />The cash envelope system will stretch your money as it will force you to become more aware of how you spend your money. For example, if it is Tuesday and you only have $20 left for the rest of the week, you might decide to forgo going out for lunch and instead swing by home to eat leftover pizza from last night. <br /><br />As you use the cash envelope system you will likely become more familiar with the concept of cash flow. For instance, if you buy $50 of groceries on Monday and by the end of the week, your family will only eat $20 of those groceries purchased, you have an extra $30 of food sitting on your pantry shelves. That same $30 could have been used on Thursday for haircuts or an evening at the movie theater. <br /><br />In addition to helping you determine what is truly valuable in your life, this thought provoking system will stretch your dollar, put you in control and leave you feeling much better about yourself. <br /><br />This guest post is by - Tisha Tolar is a writer for DebtFreeDestiny.com, where she provides information about <a href="http://www.debtfreedestiny.com">credit card consolidation</a>, debt relief and <a href="http://debtfreedestiny.com">how to get out of debt</a>.savingandinvesting.comhttp://www.blogger.com/profile/09403962540146151790noreply@blogger.com0tag:blogger.com,1999:blog-875237733011577559.post-48318760654248299332009-05-12T05:44:00.000-07:002009-05-12T05:45:17.001-07:00New Video: P3. What is an ISA? (UK)An Individual Savings Account or ISA is one of the most common and easy to access saving and investing tools in the UK. This video provides an summary of this products.savingandinvesting.comhttp://www.blogger.com/profile/09403962540146151790noreply@blogger.com0tag:blogger.com,1999:blog-875237733011577559.post-70848966215408196642009-04-20T02:00:00.000-07:002009-04-20T02:02:15.333-07:00P2. What is a 401k Plan?401k plans are spoken about very frequently in the US, and represent a potentially very tax efficient manner for money to be set aside for the future. This video introduces what 401k plans are - building on the concepts of taxes and compounding, providers and users of capital, principles of taxation, mutual funds and even dollar-cost averaging.savingandinvesting.comhttp://www.blogger.com/profile/09403962540146151790noreply@blogger.com0tag:blogger.com,1999:blog-875237733011577559.post-64337410444754371702009-04-20T01:41:00.000-07:002009-04-20T01:42:35.980-07:00New Video: P1. Structures, Products and ServicesThis is an introductory video to some of the structures, products and services that we as investors have to consider on a regular basis. It builds on the concepts and examples of products of the other videos - in this series the items discussed are often more specific, and often specific to a country or region as opposed to being more generic and potentially available in many regions.savingandinvesting.comhttp://www.blogger.com/profile/09403962540146151790noreply@blogger.com1tag:blogger.com,1999:blog-875237733011577559.post-24485116820968101222009-03-13T04:13:00.000-07:002009-03-13T04:14:46.404-07:00New Video: S2. Securitization, CDOs and the Sub-Prime CrisisThe volume of issue of CDOs and the corresponding ability of banks to issue mortgages had a significant impact on the quantity of mortgages that could be made by banks. This video explores the topic of securitization further with a particular focus on CDOs and how that relates to the sub-prime crisis.savingandinvesting.comhttp://www.blogger.com/profile/09403962540146151790noreply@blogger.com1tag:blogger.com,1999:blog-875237733011577559.post-2645876049651252472009-03-13T03:25:00.001-07:002009-03-13T03:25:44.894-07:00E3B. Introduction to DeflationDeflation very much related to the subject of inflation, and in fact is a negative rate of inflation (i.e. prices are falling) for a sustained period of time. This video introduces deflation and some of the issues associated with it.savingandinvesting.comhttp://www.blogger.com/profile/09403962540146151790noreply@blogger.com0