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Saving Money For Your First Home

For many people, buying their first home is only a dream. They simply can’t come up with the money for a down payment. But if they really looked at how they spend their discretionary income, there may be several areas where they could adjust or cut back and still enjoy life.

Everyone will have their own methods of changing their spending habits. It will still take time to save, but it can be done. Here are some ideas for saving money, one bit at a time towards the big picture – your new home.

Many of these tips are as old as time, but if they are followed, you will see the numbers start adding up in your savings account.

- If you have a gym membership and don’t use it regularly, cancel it. You can buy inexpensive DVD’s for home workouts.

- Stop buying specialty coffees every day. Choose a small or medium size of regular blend or bring a thermos of your favorite coffee from home.

- Take the bus to work. This may get you lower rates on car insurance.

- Collect and use coupons. It really works!

- Take your lunch to work.

- Ask for a reduced rate on your credit card.

- Pay off your credit cards every month.

- Pay for basic cable channels only.

- Rent movies instead of going to the theatre. Homemade popcorn is better anyway!

- Read magazines online, at the library or your doctor’s office.

- Find a bank that offers no fees on checking accounts, without requiring a minimum balance.

- Pay car insurance semi-annually, or annually to avoid extra charges.

- Stop smoking! This can add up to hundreds, if not thousands of dollars every year.

- Choose a slower Internet service that is less expensive.

- Sign up for free customer rewards programs. This saves money and gives you free goods on a regular basis.

- Write a shopping list and stick to it. Do not go grocery shopping when you are hungry.

- Invite friends over instead of meeting at a restaurant.

- Make your favorite dish and freeze portions. This also helps when you don’t have time to cook.

- Shop at consignment stores for clothes and household items.

- Your local dollar store has everything from greeting cards to socks, and sometimes food that you buy regularly.

- purchase cards, wrapping paper and gifts for the following year after the holiday at half price, even Mother’s day and Valentines Day.

- buy generic or house brand products. It is often made by the same manufacturer as the name brand, but costs less.

- become an expert at mix and match wardrobe purchases.

Another trick is to set up a Finance Journal and record your spending every day. You may be surprised to see where your money goes every month. How much of that could have been put in your savings account to buy your first home? It doesn’t take long, and soon you’ll be picking out new paint, or furniture for your very own home.

Horror Collectibles

If you are an avid collector of horror merchandise, then there are many websites on the Internet where you can find a generous treasure trove of such items.

You might be seeking a rare old horror movie poster, such as those of the Universal or Hammer movies. For example, an original Dracula one sheet poster (27×41-inches) style F featuring a colorful illustration of Bela Lugosi and Dwight Frye aboard a doomed cargo ship sold in 2009 for $310,700 (Heritage Auction Galleries). Only three examples of this super rare poster have surfaced to date. Or, if you are a horror bookworm, then you might be searching for that ever-elusive creepy paperback that is now out of print. For example, the original New English Library editions of the Robert Lory Dracula series, which enjoyed great popularity back in the 1970′s, are still much sought after, and being one of the people who missed these books first time round, I was both thrilled and extremely lucky to finally track down a seller on eBay who still had these Lory Dracula books available! And in very good condition they are too, I am pleased to say, considering just how old these paperbacks are.

Original autographs of the top horror actors (e.g. Karloff, Lugosi) are also much sought after items, and many of these rare signed photos have occasionally been tracked down both on eBay and also on various horror movie memorabilia sites. Horror figurines – like the classic Aurora glow-in-the-dark monster kits – are also a very popular commodity with collectors, and it is good to see that even though those much-loved Aurora self-assembly figures are now phased out, there are many new and exiting types of horror figures that have been launched on to the market, enabling the horror buff to add not only Frankenstein, Wolf Man and Dracula to their collection, but also the more modern-day monsters like Jason Voorhees, Michael Myers and Freddy Krueger!

Old horror magazines are also greatly sought after by collectors. For example, the 1950′s EC comics, Tales From The Crypt and Vault of Horror, still exchange hands for quite considerable amounts of money. Moving on to the seventies, glossy colour horror magazines like Monster Mag – which often folded out into a gorgeous big poster of a Hammer film – can sometimes be discovered on eBay and horror merchandise sites. But when buying old horror movie posters, collectors should always bear this in mind: fake posters have surfaced in recent years, and the list includes some Universal Pictures horror movie titles.

Buying from a reputable auction house or dealer who back their merchandise with money-back guarantees can provide a collector added piece of mind. So if you are an ardent horror fan and love collecting old horror memorabilia, then if you can’t find that much-desired item at a car boot sale or in an old book shop, then there is a very good chance that you will come across it on one of the many thousands of horror merchandise sites on the web.

Data Network Affiliates (DNA) – Business Opportunity?

Reading this article will provide you with a comprehensive look at Data Network Affiliates (DNA), a Network marketing company. If you are reading it, you are probably looking at DNA as a potential business opportunity or you are already involved. Either way, I hope to enlighten you with some information.

Opening its doors in 2009, this company is relatively new. That is a good thing for you, looking at the opportunity, because that is still considered a ground floor opportunity. Being new, there is always a good chance you can make some serious cash, but on the flip side, there is always a chance the company is a fluke. Since the company hasn’t been proven yet, you need to be careful and do as much research as you can before you jump in.

One of the first things you need to look at when analyzing potential business opportunities is the leadership. This company seems to be solid in this department. CEO and Founder George Madiou has been around network marketing for a long time as he is owner and publisher of “The Network Marketing Magazine” which has a huge spear of influence in this industry. Standing by Mr. Madiou is President and Founder, Arthur Kurek who is no stranger to business and is a very educated man.

When writing about a network marketing company, I would be crazy not to mention the products. Data Network Affiliates has multiple products, the biggest being data. DNA is a data collection company and they pay you to do the collecting for them. Similar to Narc That Car, you collect license plate numbers from cars and submit them into their database. This helps law enforcement agencies and lien holders locate their collateral. The second product you will push as an affiliate is third party products. Some examples are Direct TV, ADT, Dish Network, and Debt Management. You earn a commission from these sales. The last, but not least is DNA Cellular and again you earn money by selling phones, plans and accessories.

The compensation plan can help you earn a few hundred extra bucks per month. When you submit your 20 plates to DNA, you get paid $2.00. Alone that doesn’t seem like much, but you also get paid $2.00 for each affiliate below you that does the same thing. That goes ten levels deep. You aren’t going to become a millionaire by signing up in this free program, but if you are looking for a little extra cash each month, it might be worth building a team of free affiliates and teaching them how to get their plates and earn their income.

I hope you find this review helpful in your quest for a solid business opportunity. If you have any questions you can reach me using the contact information on this page or by clicking on one of the links below!