Top 10 Tips to Save Money & Peace of Mind
Top 10 Tips to Save Money & Peace of Mind
- Always Use Strong Passwords for Online Accounts, Cell Phones and Email.
Use a combination of at least 8 letters, numbers and characters whenever possible. Use different passwords for each account. - Back-up your files and photos regularly to an External Hard Drive
Use a 1 TB Hard Drive or larger to store your memories – Pictures eat up a lot of space.
You don’t want to lose important data or your memorable digital photos and videos. - Don’t tell telemarketers you’re not interested, instead tell them to take you off their calling lists.
In most cases, once you make the request, they are required by law to remove your name from their calling lists. Otherwise, they’ll just continue calling at dinner time. - Change Oil every 7,500-15,000 miles:
Edmonds states on their website we are unnecessarily spending millions of dollars and spilling an ocean of contaminated waste oil. The majority of automakers today call for oil changes at either 7,500 or 10,000 miles (not 3,000 miles), and the interval can go as high as 15,000 miles in some cars. http://www.edmunds.com/car-care/stop-changing-your-oil.html - Get your tires balanced and rotated every 3,000-7,000 miles.
This will keep your warranty in order, help prevent uneven wear, give your car better control and handling on the road, provide better gas mileage and increase the longevity of the tire. (this service is usually included in the optional “Road Hazard Warranty” when you purchase your tires). - Create a Living Trust to Keep Your Assets Out of Probate.
A will designates where your assets go upon death. But sometimes you need someone to make these decisions when you get sick. This is why you need a living revocable trust. You can appoint yourself as the trustee when you are well and a successor trustee if you become incapacitated. This makes it easier to get money to your beneficiaries without going through probate court, which can take between 6 months and two years. A living revocable trust with an incapacity clause will cover all of the bases. - Put some Savings into a Retirement Account.
Contribute to a 401(k) retirement plan or a Roth IRA to the maximum every year to take advantage of tax-free growth. If you contribute only $100 a month to your investment and it appreciates at 10% a year for forty years, you’ll net over $632,000. - Consider a 15 Year Mortgage over a 30 Year Mortgage to Save thousands of dollars over the term of the loan.
You can also save thousands by making just one extra payment on your loan each year. Be sure to let your lender know you made an extra payment and not just an advanced payment. - Use Programmable Thermostats and LED Lights.
Program thermostats to 82 degrees while your away from the home or office, then set it for the desired temperature a half hour before you normally return.LED lights use 85-90% less energy and can last for over 20 years. - Want to Save Time and Money on Your Next Home Sale or Purchase?
Please Call Kevin Postal at 772-785-8569
or feel free to email: info@AtlanticPropertyGroup.com
Always seek advice from qualified professionals when it comes to your Real Estate, Law, Health and Finances.
