10 Shopping Tips – Fashionable Finds Are Possible For Under $25!

When it comes to shopping sometimes the $20 sandals flatter you more than the $400 designer sandals. Style is not in the price, but in your approach. You can get more for less if you are savvy about your shopping. Fashionable finds are possible for under $25. How do you do it? Here are 10 Tips to think about when you’re out on a shopping expedition:

1. You Can Find Deals in Unexpected Places.

I got a purse for a steal at a Nine West shoe store in New Jersey. Not a shop I would normally think of to buy a purse. But I spotted it in the front window and fell in love. (Although maybe not as deeply as with my husband.) When I went into the store to ask a sales clerk about it, I thought this gorgeous tan satchel would be expensive. It looks like something that would be appropriate in Grace Kelly’s or Audrey Hepburn’s wardrobe closet. But now it’s in my closet.

2. Set Your Budget and Stick with It.

Yes, you’ve probably heard this before. However, forced to work within a box, you will come up with creative ideas. One year for Christmas, I set a working budget of $25 each for my nieces and nephew. Instead of getting them each one gift, I got them a number of small funky gifts and they each had 3 presents to open. It made opening gifts more exciting for them.

3. Read fashion magazines to get an idea of the trends.

Many clothing companies with budget-happy fashion lines will replicate the “look” or “feel” of pricey designer fashion. I read everything from New York magazine and the NY Times Fashion to Vogue, Elle and fashion catalogs to see what’s happening out in the fashion world. Go to your nearest public library and those fashion mags are FREE! If you learn what is cutting edge then believe me you will find cheaper versions of the trends. Or you will learn how to put an outfit together in your own expressive way.

4. You can find reasonably priced gifts at even the most expensive stores.

For example when I go online to Saks Fifth Avenue I can look under the gift category “Under $50.” Today for “$25 and under” I find: a Kate Spade notecard set, a hip style book on Dolce and Gabbana and Fresh waterlily soap—all would make lovely gifts. The price is so reasonable for the soap you could even include a little something else so that the recipient has another gift to open–always more fun. Go to a pricey chocolate shop. Then buy the smallest, but always tasteful box, sometimes under $15. Put it in a nice gift bag with the heavenly scented waterlily soap. Your gift card can read: “You deserve a little elegance in your life.” What friend wouldn’t be flattered.

5. Be open to new opportunities.

When I travel to new cities I like to explore new shops. I usually end up in the artsy section of town. To me that means galleries, museums, maybe a university–and fun shopping. I collect business cards of the stores I love and make notes or take pictures of what they have so I can call them and order from them later. If a town has a college or university it has plenty of stores with low prices to satisfy the students. And me too.

6. Know your own style.

Allow your self the luxury of an expensive item that you just can’t pass on. Especially if it defines “YOU.” Find deals for other purchases. I coveted a $99 sweater from J.Crew, but then I bought a purse for only $20 for a wedding. You can justify the expensive purchase. The sweater will last for years, amortizing into less money. If I wear the sweater often, cost-wise it pays for itself, while the wedding purse I might only use that one time.

7. Accessories are inexpensive ways to refashion the look of your outfit.

An $8.00 leopard print scarf I bought at H&M compliments my chartreuse cardigan, jeans and black boots. It’s a dressy-casual look that suits my style. And the scarf goes just as well with a knit purple dress and heels. A few strategically picked accessories means less outfits to buy.

8. Consider buying your purchases in the months they are traditionally on sale.

If you’re not in a rush to buy new towels then why not wait until January or August. Or if you thinking of painting your bedroom Robin Egg blue, that paint will be cheaper in April.

9. Sign up for email blasts from your favorite stores.

Stores will alert you to their sales and often give email subscribers exclusive discounts. You will learn about sales before the average customer. Then instead of spending a fortune on the skirt you admired earlier in the season you can scoop it up at a bargain.

10. Shop from your home and comparison shop online.

Yeah, why not. Shop in your pjs, my favorite way to shop. What do you think?

Car Insurance Costs Driven Down By Technology

Surprising for many is the fact that sometimes car insurance rates can actually go down. In fact, there are lots of exciting things happening that pose to save drivers lots of money. New technology that is already in the marketplace is saving money and lives already. Below are 3 new technologies that will keep more people safe on the road and reduce the cost of car insurance.

1. Electronic stability control (ESC). ESC systems use computer-controlled braking systems that help the driver maintain control of a vehicle that is beginning to lose control. In 2007, the National Highway Traffic Safety Administration began requiring all manufacturers to install ESC in all passenger cars, SUVs, vans, and pickup trucks. According to a study done by NHTSA, more than 2,200 lives were saved from 2008-2010 due to the installation of ESC. When more people are safe on the road, car insurance premiums tend to decrease.

2. Driver-less car technology. Google is leading the charge in developing cars that drive themselves. In fact, the Nevada DMV issued the first license for a self-driven vehicle in May 2012. While many do not want their car to drive them to work, the technology being developed will do amazing things to keep accidents to a minimum. Basically the car will know before you do that you are about to hit something and will react for you. Less accidents means less of a car insurance premium.

3. Attention control system. Driver fatigue causes thousands of crashes every year. Volkswagen has a new technology to combat this. A camera in the car monitors your blinking and if it detects a shortage of blinks, it assumes the driver is asleep. An alarm will sound that will alert the driver that is time to either pull over or switch drivers. Again, more safety means less accidents, which results in car insurance that is more affordable.

I would love to see a technology that would not allow a drunk driver to even start the car. That would also save thousands of lives. I’m sure this technology would be easy to develop if it hasn’t been developed already. Technology is improving every aspect of our lives. It’s even saving the lives of thousands. As better safety technology is developed, less accidents will occur on the road.

The safer everyone is on the road, the less we will have to shell out for car insurance. Car insurance companies will no longer have to spend millions of dollars on claims and we’ll all benefit!

Uses of Car Detailing

Owning a car has now become a norm for middle class families in India. With the country showing good economic growth, the average middle class consumer has enough money to splurge on a car. With a wide range of models to choose from, the Indian consumer is pampered for choice. From going out on picnics to having a fun drive, a car has become a part and parcel of an Indian family’s growth, happiness and transportation needs.

Buying an automobile is always a daunting task. First one has to decide if one needs a new care or a used car based on one’s budget and needs. But whatever be the case, a car once bought needs good care and maintenance for peak performance and all round reliability. Given that a car is a utility, due care must be taken to ensure that there are no breakdowns at any time so as not to be caught unawares. Besides periodic maintenance of the engine, chassis, turbocharger and other technical aspects, the aesthetic aspect of things must also be considered. A car is a work of art and over time, it is subject to a lot of wear and tear. The initial lustre may be lost, scratches and dents may occur. Further, when the owner decides to sell a car, he must ensure that he can attract potential buyers and convince them that their potential investment is good value for money. A first impression is always the best impression at any point in the lifetime of a car and here is where car detailing comes in.

Auto detailing is a technical process where an automobile is thoroughly cleaned, waxed and polished both on the inside and the outside to produce show quality level of detail. Besides improving appearance, it helps to raise the resale value of a car. It is subdivided into three aspects- exterior detailing, interior detailing and engine detailing.

Interior detailing involves cleaning the passenger compartment, trunk, dash board areas, panels, windows and carpet. Vacuuming is the first step and this may be followed by steam cleaning, use of liquid cleaners and brushing to remove stains. Exterior detailing involves cleaning and bringing to shine all the parts of the visible exterior like wheels, paint, chrome trim, windows, wheels and other components. Cleaning, polishing and protection are the three steps in exterior detailing. Cleaning deals with the removal of all foreign matter from the exterior surface. Polishing involves the use of machines to remove scratches and other imperfections from the surface. This is done by removing a micrometre of paint from the surface by special pads. Waxing or protection involves the application of wax on the surface to prevent foreign matter from adhering to the surface. The third aspect of detailing is where steam, high pressure water, degreasers and all purpose cleaners are used to clean under the hood of a car. A lot of car dealers in India offer restoration services in addition to car detailing. The best way to shortlist a company will be based on reputation, service quality and cost effectiveness.

How To Get Traffic As An Internet Marketer

Becoming a successful internet market is no joke. To really make more money than the guy that work his heart out from 9am-5pm takes knowing how to do the right thing. Some people say you need to work hard to make it in internet marketing. But, I would say that you not only work hard but work smart.

Every info-preneur or internet marketer undoubtedly needs to get traffic to make it in the internet business. The internet business is very competitive and if you do not know how to gain traffic to win the heart of people surfing the net, you may eventually become a failure. I have seen and heard many information marketer with right passion and excitement, become frustrated and fail in this business. You could avoid being frustrated and having the believe that internet marketing does not work or it is a big scam. You only need to become smarter to make 4 or 5 digit cash with an effective traffic strategy.

There are 3 skills that you will need to cultivate if only you want to make big money selling information over the internet.

*Perfect the bait
*Target the right people
*Delivering the right solution quickly

When you think of getting or gaining traffic for your internet marketing business, you must keep three things in mind:

1. Who is my target audience

2. What do they want?

3. How can i motivate this target audience to act now?

Let look at these closely;

Who is my target audience:If you want to market products/services or information you must first find a group of people who are hungry for such information. I call this ‘finding hungry fish’. I prefer a school of fish in ‘feeding frenzy’. If you drop your bait, that is traffic into such a school of hungry fish, they will attack your bait.
The most important part of marketing is not the traffic you could drive to the product. It is targeting your traffic to the right audience.

2. Where do you find your right audience:You have 2 choices;you can either devise traffic from someone else medium or create your own traffic strategy and get your own customers. In other words, you could pay for it as in using pay per click(PPC) or buying classified ads slot/space. But, for starters it could be expensive.

A free and no-cost method of getting traffic is to build a list. You can write a 8-15 pages report or create an e- book and give it out for free in giveaway events or forums sites. People who opt-in for your report, leave their name and email address. With this, they become willing subscribers you manage for your marketing activities.

3. How do I motivate the target audience to buy Now:As a student of marketing, i have discovered some principle that work. There are 6 of them:

a. Consensus:Give people what they want. The ‘hottest’ thing that is in demand by a large number of people. It will induce a potential buyer to say yes easily to your product.

b. Reciprocity:You should give them bonus for buying your products. Give them a free ‘gift’. It creates a subtle obligation to them to buy your product.

c. Scarcity:Attach a time limited and quantity limit to the amount you have to sell. This create urgency in the potential buyers.

d. Authority:Talk like an expert. If you are a newbie, you can have a joint venture with experts. you should note that people like to deal with experts.
e. Commitment:Whatever you promise you will do, stick to your words. Give yourself to doing what you say.

f. Liking:Make them like you and your products. appeal to their sense of liking to you and your product.

Traffic is the hub of your marketing campaign in internet marketing. Do every thing you can to get traffic. Always remember, without it you are less likely to succeed online. I wish you success and see you at the top.

No More Cash Problems With Fast Loans Online

There are still two weeks to go for payday and you are in need of cash. Instead of panicking or asking friends and family, you can now get loans easily. With fast loans available like payday loans, why worry about cash? Fast loans online are available to help people meet their emergency cash requirements on a temporary basis and then repay the loan together with interest on their next payday. However, there are certain things that you must take into consideration when you are in need of urgent cash.

How Payday Loans Work?
As suggested by the name, payday loans are supposed to be returned together with the amount of interest as soon as you have your next pay check in hand. This is why this loan is considered a very short-term loan. The loan period does not exceed more than 31 days is most cases. To repay the amount in such a short span, the amount granted to individuals does not exceed more than $1000 or $1500 in some cases.

While there is no credit check conducted before granting the loan, some lenders require that you deposit a postdate check with the principle amount plus interest. This is so that they automatically get the loan settled on the agreed date.

In situations where an individual fails to pay back the loan, the company extends the duration as well as the fees. At this point, positivity of these fast loans changes into negativity. Failure in paying back the money to the lender often leads to trouble because the increased fee keeps on accumulating and people repeatedly require more payday loans to get rid of their growing debts.

However, risks are associated with every business and proper money management can help an individual avoid all such risks. Moreover, such short-term cash lenders are also important for our society because people often need urgent cash and they may have no other option. However, at the same time, it is very important to plan your repayment accordingly and pay off the loan as soon as possible.

Taking a wise decision is recommended. It is always good to research for the right lenders and give enough time to go through the loan rules thoroughly. You will be required to give in some basic details about you and your current employment. The procedure is short and simple and in no time, the fast loans will be in your hand. Consider all your options before applying for payday loans.

Reminders on Your Safety When Traveling Out of the Country

Traveling is exciting but of course before getting excited you have to think about your safety when traveling abroad especially on places where you are not familiar with. Tourists are always the target of crimes and violence because tourists are usually not accustomed on the places they are visiting. Always remember that your safety should be your priority when traveling. Here are some tips to ensure your safety when traveling out of the country.

Before traveling abroad the very first thing that you should do is leave photocopies of your passport and itinerary to your family or close friends just in case you need to be contacted for emergency. It is best that your family and the people close to you know where you are and how you can be contacted. It is important that you have a travel medical insurance because you will never know when sickness or accident will hit you. It is best to be always prepared and mind about your safety when traveling out of the country.

When you are entering another country, you are subject to its laws so it is best to learn their local laws and customs before visiting. Read magazines, books, inquire in the embassies and most of all be updated with the current news about the country you plan to visit. Even as simple as photographing certain places or situations could put you in trouble. It is best to be informed than be sorry.

As mentioned earlier, tourists are usually the target of crimes so avoid being a target. To ensure your safety when traveling out of the country, be discreet on your clothing and accessories to avoid attention from people around you. Wear simple dress and avoid wearing expensive looking jewelry. Take care of your passport, cash and credit cards. Do not bring your wallet that contains important cards like social security card and all your credit cards. Avoid carrying large amount of money, one or two credit cards and a traveler’s check would be enough. Bring only those that you need. Do not use shoulder bags or body bags that are easy target for pickpockets or thieves.

Although you are enjoying your trip, be vigilant to avoid being a victim of crimes. Avoid or be extra cautious on places where you are more likely to be victimized by people looking for an opportunity like public markets, poorly lit streets, narrow alleys, underground passages and subways. Do not ride the elevator or take public transportation like taxis alone. With regards to strangers, it is okay to be nice but be cautious because there are crimes or pickpockets that will create scenarios like asking for directions or time just to have the opportunity to victimize you, so avoid interaction with people you do not know. To ensure your safety when traveling out of the country, never accept food or drinks from strangers, there are women raped or people murdered by drinking drugged foods and beverages.

Keep an eye on your luggage and never leave them unattended. Carry your passport and important documents with you and never leave them in your luggage that needs to be checked in. As much as possible do not bring too many things to make your travel easier.

Select a hotel with highly structured security to ensure your safety when traveling out of the country. When you get to the hotel, make sure you know the nearest fire exit and you should know the emergency numbers just in case you need to call. When going out, do not leave your valuable things in the hotel.

It is always fun to travel but of course your safety should always be your priority. Another thing that makes traveling really exciting is when you get to find discounts on airfare. Do you want to know how to obtain ridiculously low-cost airfare? Visit Save on Airfare Secrets

The Easiest Way to Write, Publish And Be Selling Your First Kindle eBook in 30 Days or Less

Who else would love to write their first eBook this month? Are you a coach, consultant, teacher or trainer who would love to see your first book published, downloaded and discussed around the globe?

The truth is, most online entrepreneurs crave the attention, the affection and the publicity that publishing a book will bring, but don’t have the stamina and persistence to get to the finish line.

After all… writers block is probably the biggest enemy for “REAL” writers who want to self publish, how much harder is it for online entrepreneurs and marketers who want to publish purely for publicity purposes, right?

I’m going to give you a really simple “secret” strategy that will help you overcome this obstacle, and if you follow my directions, you’ll have your first book ready to be uploaded within 30 days. (works in just about any niche you have PASSION or genuine authority or expertise)

The secret is simple.

Codify and collate questions from your community, into content.

For example, the Tumblr platform has baked this into their platform incredibly well, and as a result, some of the most popular Tumblr’s are now very books to boot.

How so?

The “Ask Me Anything” and “Submit” feature allows other readers from around the web to submit questions, thoughts, opinions or stories… and due to the viral nature of social media, and built in beauty of blogging around a topic that people share passion and a sense of purpose… you can get an AVALANCHE of submissions in YOUR niche, very quickly.

Next –

You simply take the best questions, content and submissions, and codify it into a structure that works as a book. It really IS that easy, and if you have a popular blog or Tumblr now with lots of existing readers, you can literally do this in a weekend. (especially if you are in an emotive niche where people like to share)

A great example of this?

There are a bunch, but one of my favorites is the “Clients from Hell” blog. Not only have they created a world famous blog around a pretty common shared experience by service professionals (difficult clients) they’ve turned the blog into a brand, a business and a blooming bank account to boot! (with a whole store set up around T-shirts, Mugs, and other branded goods that creative professionals buy by the busload)

Their book… and blog is ALL user generated content. Anonymous people submitting their horror stories working with clients, or short blurbs about difficult customers. It’s very entertaining, a lot of fun, and one of the most popular books (and brands) in the industry.

I’ve seen this done by psychics, mediums, personal development coaches, online entrepreneurs, designers, credit repair counselors, spiritual teachers and just about every other type of “publisher” you can imagine.

The good news? you can do the very same thing with WordPress, or any other blog platform that accepts submissions, and the truth is… you can do the same thing with Twitter, Facebook, and social media that allows you to accept content from your community.

It’s creative – and cool, and pretty darn easy to establish yourself as a bonafide writer, publisher, expert and authority site in just about any niche you choose… including the one that MAY make you rich!

Top Tips to Remember on How to Make Money From Home Online

Life may be hard, but you have no more reason to slack and complain because there are lots of ways to earn if you only know where to look. The best part about this is that you can even earn during your spare time and while you are at home. You just need to learn more about the ideas and techniques on how to make money from home online.

You can opt to pursue various opportunities, depending on the time and money that you are willing to spend in the venture, your skills, capabilities and interests. You can begin an online business, start your own website that you will monetize or apply for jobs that you can do at home.

For starters who are still not adept with how things work in various online schemes, these are some of the factors that you ought to look into as you search for the kinds of ventures that you can take part of.

1. If you will be asked to invest money in an online business, you have to read everything about it and pay attention to how you will be compensated and how long it would take before you get a good return for your investment. The opportunity must be able to pay investors like you in cash. Do not settle for points or rewards, even though the capital is small.

2. If the opportunity involves marketing, you must not choose something that involves hard selling. You must also think like a consumer. With so many gimmicks and schemes that can be found in the cyberspace, many people are getting more cautious before participating in any of these. There may be many people who have benefited from internet marketing, but if you are not an expert in the field, it is best that you focus your efforts on tasks where you can utilize your skills and work hard on your earnings.

3. When you see opportunities on how to make money from home online that sound too good to be true, such as the types that offer high compensation for less work, you might as well skip these and settle for the types, where you are required to do tasks that are commensurate to the earnings that you will get.

To make it easier for you to spot the right and suitable opportunities on how to make money from home online, you have to limit your options on the types that you are willing and capable of doing. In the beginning, your goal may be to learn more about the process and pursue other opportunities that will give you higher compensation after you have gotten the hang of how things work in this kind of venture.

Thrifty Car Rentals – Tripling Your Savings

Thrifty car rentals are becoming popular as an option for people who hardly drive their car except on extended trips. Then there are those people who would prefer not to use their own car on trips over uncertain roads for fear of the wear and tear in will cause. People also rent cars to upgrade or downgrade on the size of the car that they own. For instance, an architect might own a large SUV which he uses for bringing his materials to his projects. For non-business trips, the car has much more room that he requires and more engine power than he ever needs to avail of. So he visits a thrifty car rental to get a smaller car for his daily use. Again people might want to rent a car because they are interested in buying that exact same model but just want to try it out first for a week before actually making that purchase.

If you are thinking of a renting a car, you should know that they usually cost less than the up-front price. This is because thrifty car rental companies offer discount bonuses on most cars and at most times of the year. Discount bonuses can shave of from 10% to 50% of the amount you need to pay after renting it. Price shave-offs can be availed of if you rent on weekends or during off-peak season. You can also have price reduction on the average cost if you rent for a week or a month. The specifics for extended rental discounts may vary from company to company, but they are always there.

Right now, the going price for high-powered cars, has gone down with the recession. Due to the need to save, people are buying cars with less power and smaller build. The result is that cars like the SUV are rented out instead of sold. Now would be the right time to try out renting a SUV from a thrifty car rental. This car is ideal for outdoor adventures on virgin terrain, like camping in the wild or fishing out in a secluded lake. The SUV is also ideal for visiting friends who live in isolated areas.

Before renting for an extended period, you need to consider the amenities or accessories that are included or excluded for monthly or yearly rental plans. Before settling on a monthly rental plan, be sure to calculate whether renting daily for 28 days will cost more than an outright 30-day plan. There are some thrifty car rental companies whose price structure sets a higher basic rate for monthly plans. If such is the case, there may be amenities or add-ons for monthly rentals that you are not aware of. Ask the personnel about it.

Other than the basic discounts on the rental fees of thrifty car rentals, some offer discount coupons for tourist spots, hotels and restaurants. These discount coupons are issued by the establishments to encourage more visitors to their place. Among these establishments, you have Disneyland, Sea World and even Universal Studios. Holiday Inn and Grand Hyatt are two hotels that offer discount coupons for travelers.

Get That Perfect Pair of Horse Boots to Enjoy a Smooth Ride!

People fond of riding horses very well understand the importance of good horse boots. A horse riding boot is footwear worn for the purpose of riding on horses. Classic riding boots have been used since ages immemorial and refer to those that rise as high as the knees to protect the legs from being pinched by the leathers of the saddle. These boots also have a well-built toe that protects the rider’s feet when on the ground, and are also combined with high heels prevent riders from slipping through the stirrup.

But again all boots are not the same. There are several different kinds of horse riding events or sports and there are different boots to go with it. Wearing the correct horse boots for a specific sport or style is an essential element for each horse rider. It has been seen all throughout history that most societies have used horses combined with special clothing and boots in order to make best user of the horses. There are different sorts of boot styles and a very famous one amongst those is paddock boots. These boots have always been associated with aristocracy and luxury and have been worn by very famous people. Paddock boots use laces on the front and a heel.

Though there are various sorts of riding boots; horse boots are mainly divided into two categories, namely English and Western. The English boots are made with soft leather that is of high quality. English boots consist of different styles like tall boots that come up to your knees and paddock boots that come just above the ankle and provide the lower leg with more flexibility. The long ones also come in different styles and look quite graceful.We also have Jodhpur boots that are worn with Jodhpur trousers that come down to the ankles.

The Western boots are also available as long and short types. They are normally made of leather with a solid heel and sometimes have a decorative pattern on the calf area. Western boots always will come up to your calf. These are usually made of cowhide but sometimes even materials like alligator or snakeskin are used. Perfect and suitable horse boots are very important both for the rider as well as the horse to avoid accidents and injuries.