How to Save Money and Still Follow the Trends

by Justin Weinger on April 30, 2017

It’s the existential dilemma for every fashionista; how to look your best and always in fashion while still being able to afford to pay the rent and buy food.

And while there are many fashionistas out there who would choose a new pair of pumps over a meal, this article has some information which should negate the need to make that decision.

Are You on the List?

A question you likely hear when trying to enter the hottest night spot of the season. However, it also applies to saving money on current fashion items. Each time that you are at the counter and see a mailing list, sign up. If you are browsing a store online and see an option to sign up, do it!

While these types of mailing lists get a bad reputation, it’s all based on old perceptions when stores used to bombard their mailing list addresses with pointless information. This lead to nothing short of a consumer revolt as fingers all over the world reached for the SPAM button; a trend merchants picked up on and adjusted their tactics.

Nowadays, these mailing lists provide shoppers with relevant and appealing discounts and sales on current and next-season stock. That’s right – NEXT season stock. If you get on the right mailing list, you could find yourself with early access to collections before they even hit the runway and with the option to buy them before anybody else.

Surely There Is a Coupon for It?

A good question; and one to which the answer is a resounding YES. Looking for a new dress? Check online for a coupon for free shipping. Need a pair of winter house shoes? Head to the Groupon Coupons page for Ugg to get deep discounts. How about the latest shades of eye-shadow? You guessed it – there’s a coupon for it.

The next time that you see an item in store which you simply must have, take note of its item code and go home to spend some time looking for a coupon or voucher. Whether it’s a small percentage off or free shipping, money in your pocket is exactly that!

Online Forums

Forums are not commonly known to people who aren’t well versed on the internet. Particularly those who didn’t grow up with the internet. Forums are a text based space for people to communicate on shared topics. They are similar to message boards, and there are numerous different sites which accommodate for every pastime and hobby. Including fashion.

Look online for fashion based forums and message boards where you can speak with devoted fashionistas like yourself about underground sales and secret discounts which only people who are in the know are aware of. Forums are also the place where designers can provide details of sample sales and warehouse deals which aren’t available to the public.

When it comes to looking your best all the time, these are some great ways to help you strike a balance between looking good and…eating.

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Why Start With Paper Trading?

by Justin Weinger on January 23, 2017

Lots and lots of aspiring day traders have stars and dollar signs in their eyes. Jumping into the daily trading of stocks with serious ideas about making serious profits right away. And they lose their shirt on the first day, in the first week, after the first month. What they never knew about, what could have saved them is this: Paper trading.

Gwen knew about paper trading. She was transitioning from being stay at home mom as the kids started going to kindergarten when she discovered Warrior Trading. From the beginning, as she made her way through the online courses, the instructors had a regular refrain: Don’t start live trading until you have a month under your belt in simulated trading.

What is simulated trading you might ask? It is a fully interactive experience that Warrior Trading offers to its students, where the student traders have a chance to work in a real-time market that mimics Wall Street. Warrior’s paper trading simulator has real time Level 2 capability, where students have access to Level 2 orders and immediate order execution. That capability means that you can test your newfound skills in an environment that looks and feels like a real day trading space.

That is how Gwen got the chance to hone her day trading abilities before funding a real, live account with cash and going out into the market. Sure, she stumbled at first, but those stumbles were smaller and more manageable, due to the time she spent in the trading simulator. Gwen had the opportunity to develop risk management and stock picking strategies in real time, while not risking any real money.

On her first day in the trading simulator, Gwen was presented with $100,000 in virtual trading power. She executed her first trade and saw the results that day, because the Warrior simulator was able replicate a real brokerage account. It worked just like in the real world, but it was simulated trading. And Warrior’s simulator, unlike other trading simulators, has advanced charting abilities, so novice traders like Gwen can work on their chart reading skills. Being able to weed out technical indicators from complicated charts is a valuable skill in day trading.

Gwen is earning a comfortable living from her home office these days, working in the morning, making the profits she needs and then picking up the kids in the afternoon from school. She put the time and effort in to make that happen.

Do you think you have what it takes? See Warrior Trading on Facebook and take a look at the website too. All the potential is right there.

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5 Credit Myths that May Be Hurting Scores

by Justin Weinger on October 17, 2016

Now that summer is over and we are enjoying the fall trees turning and the cooler weather move through, that can only mean one thing; winter is coming and another holiday spending season.  Spending never really ends, there is always something will want, so you need to set limits on yourself.  Any mortgage, loan, or credit card interest rate you have is driven by credit, so why not strive to have the best score.  Whether you have great credit or issues in the past, there are a few ways to raise your credit score now. Of course if all else fails, it never hurts to look into credit repair services.

Watch Credit Card Spending, even if Paying the Balance

A large portion of your credit score is based off credit balance compared to limit, so even if you are paying off the balance each month, watch maxing out your accounts.  Depending on the timing that credit bureaus are refreshing your credit each month, it could show a large balance, lowering your score drastically.  Sure paying off the balance each month can continue to raise credit limits, showing you are a responsible spender, but do not hurt yourself in the process.

Closing Old Credit Accounts

Even if you are not using a credit card account, it is better to keep it open instead of closing.  If you have other credit accounts with balances, closing can reduce your total available credit, lowering the margin between balance and limit.  If anything cut up the card, check the online statement every month to make sure there is no suspicious activity, and leave it open.

Checking Your Own Credit will not Hurt Scores

Speaking of suspicious activity, it is important to monitor your full credit report, so at least once a year you should take advantage of getting a free copy of your credit report from any of the credit bureaus, although the score itself may be an extra charge.  Pulling this report will not impact yourself negatively, and in fact if you are interested in your scores, most of the creditors are now including your FICO score in each monthly statement, or clickable on your online statement, so you can see exactly where you are month over month.

Using Cash for Spending Will Help Credit Rating

Using credit accounts is not bad, abusing them is, so paying with cash instead of credit is not helping scores.  If anything, pay with credit, and pay off the balance each month.

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Some Items to Avoid Buying Cheap

by Justin Weinger on May 23, 2016

Buying the most expensive brand is typically not necessary, but when it comes to some items, price vs. quality comes into play.  If quality is less, you may find yourself replacing more often, or using more to get the job done.  Instead you should be finding discounts on high quality items, with in-store sales or clipping coupons.

Toilet Paper

When you purchase cheap toilet paper it is typically single ply, so in order to use a needed amount, you will need to unroll more, fold it over, and even seeming like you used the entire roll compared to a normal two-ply roll.  The cheap single ply probably is not the most comfortable to use, and if you buy cheap two-ply paper, you can expect it to feel like sandpaper, and will probably be a little red after.  Spend a little extra money and buy the good stuff, you will thank yourself.

Paper Towel

For simple wiping down counters, cheap paper towels will soak up fast and require you to pull off more sheets.  For spills, forget about it, you will have soaked and torn pieces of cheap paper towel everywhere.  Spend the extra money and buy a name brand or even a big box brand and avoid brands that contain the word “value”.

Bedding

You sleep in your bed every single day, upwards of eight hours a day, so why would you want to compromise sleeping, and your back, on a cheap mattress.  If you find yourself being tired with a stiff neck and back to go along with, it might be time to replace your cheap mattress, you will not regret it.  Same goes with sheets.  They do not have to be the highest Egyptian cotton, but something at least in the hundreds in thread count will make for a much more comfortable and cooler temperature sleep.

Investments

Investments probably sounds like an odd item to include in this list, but it’s probably the most important of them all. Too often you find people investing in penny stocks that go bust and they lose all of their money! Just like with everything else, when it comes to investments, you get what you pay for.

Paint

I finally realized I needed to stop using cheap paint when I tried to paint my ceiling recently; using three coats and it still looked bad.  I purchased a premium brand that was only slightly higher in price per gallon and it made the world of difference, finishing the rest of my house in that brand.  Although I still put on two coats just to be safe, I could have even got away with one coat, but the coverage in just spending a little more money will thank your arms, patience, and wallet.

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