Carry only Cash to save money so I can actually have a FUTURE

I have a hard time saving money and spending money on things that i dont really need. I seem to buy stuff i really dont need or i just buy just because and wasting money on high price clothes.

Have it your way

Carry only Cash. it is easier to spend money you don't see like with a credit or debit card or check. also carry only a small amount.

if you need to make a bigger purchase it will give you time to go and get the money and prevet the impulse buy. also carry small bills. if you want a soda go in buy a soda and pay with ones. you don't feel like you need to buy a couple items to use your fifty.

budget your money only allow you self a certain amount of cash a week and once its gone and it gone

Do carry only cash and write down every single penny you spend. Then ask yourself some hard questions such as, "Do I really want to spend $100 a month at Star Bucks or do I want to save money so I can actually have a FUTURE!"

Quicken mint: It is a FREE on line budgeting program. You allocate money to specific categories and if you don't have a category you don't spend, if you have spent all your clothing budget, that is it. You can carry forward excess but you can't borrow ahead. Simple, and works.

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There are many factors that increase/decrease the interest rate on a mortgage, you know

The length of mortgage (usually 5, 15 or 30 years), fixed vs variable rate, the amount of money you put as down payment, your credit score, current debt and assets, current income and expenses

Your bank determine your ability to pay back by looking at your credit score. It is more risky to lend to someone with lower credit score/bad credit so they will charge your more for interest.

Most likely you will have to put a lot of money as down payment in order to get a normal interest rate

right now a 30-Year Fixed from well fargo is 4.625%

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How can I get the numerical range of % interest on a mortgage?

I have bad/poor credit and im trying to guess what my interest rate would be on a loan but i have no clue for i am a first time buyer. Is there like a rangee?

Have it your way

Well, if you have bad credit, you likely won't qualify for a mortgage at any interest rate. Note that bad credit is different than no credit, since bad credit means you have failed to pay your bills on time, and no credit means you just haven't had any debts.

For a 30 year fixed rate mortgage someone with good credit is probably looking at about 5.5%. If you can get a mortgage, the interest rate for you will probably be 7.5% to 9%.

If your credit is very bad you should probably not be getting a mortgage though. The extra interest is VERY expensive, over $50,000 on a $200,000 mortgage, and you are unlikely to be able to make your payments, since you have a history of not being able to make your payments.

with bad/poor credit, you are not going to get a mortgage at any rate and yuo will need a lot of cash for down pmt and closing costs anyway - even with good credit

Check with your local bank, they have their rates posted. In most cases, these rates are negotiable, but if you don't have good credit and/or lack of good income, they will not lend you much or at all.

There are two basic types of rates. Variable and Fixed. Variable is based on the prime lending rate, so if the prime rate goes up, so will your rate. Fixed rate is just that, it won't change for the remaining term.

There are two time periods you need to know, Term period and Amortization period. Term period is the length of the contract in which your rates are set for. After this term period you will need to either repay the entire mortgage or sign a new term. Amortization period is the time period in which your payments are calculated out to. The longer the amortization period, the lower your monthly payments; more interest in the long run however.

Things that will affect your ability to obtain a mortgage: down payment, credit history, earned income, current debt, current assets, etc. More assets, down payment, and income you have, the better. Also less or no debt, and good credit.

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Talking about the importance of advertising in the marketing mix

Spending on Advertising is huge. One often quoted statistic by market research firm ZenithOptimedia estimates that worldwide spending on advertising exceeds (US) $400 billion.

This level of spending supports thousands of companies and millions of jobs. In fact, in many countries most media outlets, such as television, radio and newspapers, would not be in business without revenue generated through the sale of advertising.

While worldwide advertising is an important contributor to economic growth, individual marketing organizations differ on the role advertising plays. For some organizations little advertising may be done, instead promotional money is spent on other promotion options such a personal selling through a sales team.

For some smaller companies advertising may consist of occasional advertisement and on a very small scale, such as placing small ads in the classified section of a local newspaper.

But most organizations, large and small, that rely on marketing to create customer interest are engaged in consistent use of advertising to help meet marketing objectives. This includes regularly developing advertising campaigns, which involve a series of decisions for planning, creating, delivering and evaluating an advertising effort.

In the marketing mix there are the four Ps. Product, Place Price and Promotion. In order to have an efficient, effective, successful and profitable Business you have to take into consideration all the four Ps.

Leaving out Advertising of your products (Part of the Promotion mix) means that your existing customers and also the new potential customers will not be able to learn for your products henceforth not asking for them and finally not buying.

By Not buying, I think I do not have to explain the consequences of this senario. The stronger and more targeted oriented is an advertising campaign the more successful it is.

First, there is the issue of what is advertising. Traditionally, advertising included things like TV, print ad (newspapers, magazines), radio, maybe outdoor (billboards and buses). However, today many less formal media are apart of the mix even if they are not what the industry used to call "measured media"- media which they could tell you things like "the demographics for the "Today Show" on NBC are X, Y, Z and roll up to 7 million people each day."

Things like social media (Facebook) or even pr or word of mouth campaigns are increasingly used by companies instead of or in addition to traditional advertising. Small brands in fact may find traditional media too expensive for their needs (i.e. you hit your target but you are also hitting a huge number of people who are not in the target that you are paying for as well) and so these newer tools are becoming even more important.

E-mail campaigns are often not thought of as advertising but once you have a customer database they are a great way to reach a narrower target- probably far better than traditional advertising. Sponsorships are also a form of advertising that might not often fall under the banner of advertising.

Even historically, however, advertising might not be the right choice for more niche brands or products-- think of selling Yoga apparel before it was trendy. Someone like Luluemon surely spends some dollars on advertising but their brand ambassador approach is famous now as a more grass roots way to reach your market (they basically get the local yoga instructors to wear and/or endorse their products).

Why run an ad in the newspaper where 90% of the people might be off target when you can go to this approach. Perhaps more expensive per impression (people who see the ad) but ultimately a much better investment.

Finally, there are also some brands where they target businesses. In those cases a direct sales approach might be the winer for them, perhaps supported with some trade show appearances. In these cases advertising might be a tiny part of the marketing mix.

Where advertising has traditionally been a big part of the budget has been for mass-marketed consumer products (laundry detergents, soap) or automobiles (where someone like Honda needs to reach the masses a lot to drive Honda Accord sales).

If you need to drive awareness in a hurry advertising can be the key tool. Ultimately, for many brands that's the role it plays- either building awareness or maintinng it. Few people are unaware of Budweiser but it helps to keep in front of people when there are so many brands out there competing for your attention.

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How much does it cost to ask someone to make a website?

To ask them is free and they will quote you a price depending on how complex the website you want is. A single page will be very cheap. A few pages with a booking feature, for example, would be more expensive.

Decide what you want and then speak to a few different web designers to get a good price. Ask to see examples of their work and for their ideas on how your website should be.

You could find a website you like for another bar and restaurant and contact the designers of that.

It depends on where you are. In our small town the charge is 350 and up. In the city prices start at 550 and go up.
  • Do you have any college age kids working for you?
    If so, ask them.
    You would be surprised and they might now already how to set up a site.
    Quite a bit of kids know how to do this.
    I'm basically and idiot and I went and got a book called
    Creating a website for Dummies.
    Very simple book. It's not a hard process to create your own or get a kid to do it
it costs nothing to "ASK"

to actually create one - it depends on what yuo want - for a restaurant, all you would need are a couple of pages - main page with picture of restaurant, address, telephone number, hours you are open, a link to google maps so people can find you

page 2 - your menu

bingo - you're done

you could probably get a high school kid to create it for $50 -100
monthly website hosting can be as low as $5-10/month and probably $60 annual charge or less for your domainname

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Advertising can influence attitude?

Advertising as a in mainstream media like TV/newspapers/radio can only incite awareness, interest. Information not really - most people surf the internet for more info, refer to friends who bought it. The ad can point a website where the info can be obtained.

Advertising can make a particular product a must-have, trendy. So I can't say I agree with your argument. The pillar in advertising is the belief that you can change behaviour.

For eg. "Hot dog is a sausage" is an information statement. "XYZ hot dogs are so yummy" and you show people enjoying it - is advertising. And when a human sees another eating a hot dog, they want one, even though before then, they were thinking of snacking on fries for eg. But that's a TV Ad. Sale Ad in newspapers are the ones that can influence behaviour. After all, what makes you go and queue up for 70% off even though you don't know what's on offer.

Advertorials on the other hand are information based and so is press releases/public relations.

Advertising can influence attitude. It has to do with the human reward response system. Successful companies communicate these rewards effectively. When we perceive a reward, our brain emits dopamine into a particular part of the prefrontal cortext which is responsible for attitudes, emotions, and personality. Communicating the reward will create positive brain activity, making us feel good.

For example, someone mentioned a face cream. If the company shows a person using the product and gaining the rewards, the customer is more likely to have a positive outlook on the product.

People will react positively to products and ads that best fit them.

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I need coupons tell me What are some good websites for it

You mean for groceries/household items? I Subscribe to Coupon Bug ( Free to join. The coupons change monthly and always feature coupons for grcery/household items that I'm going to buy anyway. No issues with surveys or spam.

There are a bunch more sites, but I find that they all seem to feature the same coupons at the same time, so I see no sense in signing up for several.

Also....go to the websites of the products that you plan to buy. Some real "gems" can be found. Many times I find coupons on the company site that you don't see offered anywhere else.

Other sources:

Clip coupons from Sunday paper. I save at least $15 just from manufacturers coupons each week. Here's a tip: If the barcode of a coupon begins with the #9, it will not double. However, if it begins with the #5, it will automatically double, even it it the coupon states "DO NOT DOUBLE".

Store coupons. At my store, they hand them out when they hand me my receipt. Some of those are big savers, too.

Get the store sale circular and "do your homework" BEFORE going to the store. Absolutely a must. Build your grocery list (and meals for the week) around the sale items. Yes, I said "list". NEVER go grocery shopping without a prepared list. It's just stupid. The night before I go shopping, I have in front of me at the kitchen table: Store circular, all of my coupons, my "list in progress", and a cold beverage. Plan your meals, snacks, and beverages around sale items. It's so easy. If something is not on sale this week, it, or something similar, will likely be on sale next week, so buy it then.

Learn your store's "patterns." It becomes very predictable as to when something will go on sale, stretching your coupons even further.

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The best way to build your credit is with a credit card

I basically want to increase my score without the use of money that isn't mine. Although I would be willing to get a loan.

I get into trouble with credit cards. Thankfully I didn't have that much debt and was able to close it out.


You need open, active lines of credit to build your credit/score. That means loans or credit cards.

Installment loans build your credit by making payment over time. You have to pay on an installment loan for at least 12 months for it to do much for your score. The interest you have to pay is a pretty expensive way to build credit/score, if you are just taking out the loan to build your score.

The best way to build your credit is with a credit card. Use the card for regular puchases, wait for the statement, and pay the balance in full every month. That will build your good payment history and avoid interest. If you can't handle a credit card tho, don't get one.

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