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Beat High Gas Prices Now

Learn how to: Make gas go farther when you drive to work or go shopping Find the cheapest gas in your neighborhood Save gas if you're a two-car family Calculate your fuel costs to see exactly how much money you're spending on gas Gas up at McDonald’s!

Beat High Gas Prices Now! The Fastest, Easiest Ways to Save $20-$50 Every Month on Gasoline

PLUS: Specific tips to help you save $20, $30, $40 and even $50 a month at the pump.

As featured in... Readers Digest First for Women ABC Radio Clear Channel Radio News Herald Newspapers Treehugger.com EarthShare.com

"Go out and buy 100 copies of this book. Keep one for yourself, and give the rest to everyone you know. Then read it cover to cover. You'll save all kinds of money, feel good about what you're doing ... This is the best gas-saving book I've ever seen"
-Andy Johnson, Host, "Down to Business" WYMM Radio, Jacksonville’s Talk Superstation, former member, Florida House of Representatives

“Diane has tracked down everything you need to know to make your gas dollars last longer and help you drive farther on a gallon of gas. Diane offers the simplest, easiest read on how to save gas."
-Sue Goldstein, host, The Underground Shopper, Air America Radio
Aka "The Diva of Discounts"

Useless job-hunting methods

If you employ any of these techniques in your career search, you're wasting time.

Time is money -- whether you've got a job or not. While it may be tempting to chase down every possibility when you're searching for work, don't. Many can lead you down a blind alley -- where you may lose the contents of your wallet.

Avoid these five job-hunting "don'ts" that will yield the poorest of results.

1. Spray and pray.

Don't blindly send your resume unsolicited, electronically or otherwise, to any company without first making verbal contact. Says Ryan, founder of AskLizRyan.com, "Tossing out un-customized cover letters and undifferentiated resumes in huge volumes and crossing your fingers is a job-search non-starter. That doesn't work, and it hasn't worked in 10 years, or more." Establish a connection before sending a customized cover letter and, adds Ryan, "You can even customize your resume if a job opening calls for it."

2. Stand in line for a job fair.

Admits Ryan, "Sad to say, but most job fairs are a waste of time. Avoid the huge cattle call-type job fairs where zillions of employers have booths, yet no one is taking resumes." There are some job fairs that have value. Ryan, a former human resources executive, points to company-specific open hours and college placement job fairs. Tap your network to learn if anyone can recommend worthwhile fairs. "Ask around before you head off to a job fair or risk having your time wasted and your ego dashed."

3. Earn certifications nobody wants.

It's common to feel less-than-confident in your skills if you're having a hard time finding work, but don't rush out to spend money on any additional training unless you're certain it will yield improved results. Ryan reveals, "Before you sign up for a certification training program, check the job boards to make sure that employers are asking for it. There's no sense investing time and money in a certification no one wants."

If you're getting the hard-sell from an educational institution, Ryan says, "Ask the people at the school that's doing the certifying, 'Which local employers have hired your graduates in the past year?' If they can't tell you, run away."

4. Pay a headhunter.

Don't dole out money to any kind of recruiter or sign a contract agreeing to do so. "Real headhunters, also known as search consultants or third-party recruiters, won't take your money. They get paid by employers to fill open jobs." She warns, "If a recruiter calls or emails you to say s/he's got jobs open, and then invites you to his or her office for a counseling session and presents you with a range of career-coaching services, bolt for the exit. Real search professionals won't take a dime from their candidates."

5. Sign up with a resume fax-blast service.

This old-school -- and desperate -- tactic is a total turn-off to potential employers and smacks of spam. Ryan says, "Services that send out hundreds or thousands of your resumes might have been worthwhile 20 years ago. Today, they're worse than pointless, because it irks employers to get unsolicited resumes. Forget the fax-blast services and do your own careful research to reach decision-makers with messages they actually want to hear."

5 Artists You Need To Be Listening To...

5 Artists You Need To Be Listening To...

If you already aren’t listening to them.

1. Blue Merle
These two guys from Nashville are perfect music for the summer. They only have one album from 2005 but it is fabulous and timeless. I love “Bittersweet Memory” and “Boxcar Racer”. Great chill music.

2. Brett Dennen
If you listen to Joshua Radin or Amos Lee (others you should be listening to) you probably are fortunate enough to already know Brett Dennen. This fellow ginger has a way with his words. Listen to “Ain’t Gonna Lose You” and you will fall in love with him too.

3. John Butler Trio
If you are looking for some funky music then this is it. It is hard to sit still when listening to John Butler Trio. Download “Used to Get High" and “Better Than”.

4. Matt Hires
His album isn’t out for another week but his EP, Live From Hotel Café, is so wonderful that I have such a good feeling that that his album will be wonderful. It better be! Listen to “Honey, Let Me Sing You A Song”. I am a sucker for a guy with a guitar.

5. The Rocket Summer
I was recently introduced to The Rocket Summer. This kid can play ALL of his instruments himself. Impressive. It is a little more rock than I normally listen to. Still not that much rock considering I listen to a ton of acoustic music. Listen to “So Much Love”.


P.S. It is almost impossible for me not to mention a few more to listen to. So download some Citizen Cope, Minus the Bear, Sean Fournier, Ratatat, Will Hoge, and Kyle Riabko to make your collection of music even better! Enjoy.

Sale and Clearance Deals

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25 Ways To Save Money

1. Do not buy things from vending machines.

I do not use the vending machines in the building. I make sure I always have bottled water
in my bag so that I have something to drink at all times. I have trained my mind to ignore the stuff from the vending machines and since I always have a snack with me I am not tempted to use the machines.

2. Buy in bulk.

Well we all know about buying in bulk in order to save money. Now I do not just buy things in bulk JUST because they are in a bulk package. I buy the things I would normally buy anyway in bulk so that I can get a better rate.

3. Use Compact Fluorescent bulbs .

I think we have already beat this one to death. The CFL bulbs save energy. I have replaced all the bulbs in my house with them, even the one in the refrigerator. I have also cut down on the number of bulbs used. The fixture in my bathroom has slots for four bulbs but I am only using one. It still lights up the room enough so that I can get all my stuff done with just the one light.

4. Use natural light.

In order to cut down on the electricity bills even more I use as much natural light as possible. Since I live alone I just leave the bathroom door open constantly and let the light from everywhere else stream in. (My doors are constantly dead-bolted people in addition to being locked and I live on the second floor so I doubt anyone will ‘accidentally’ walk in through the sliding glass doors in the living room.)

5. Open the windows.

I put up curtains to ensure privacy and I open windows. I have the bedroom window open during the day so that fresh air can circulate freely so the place does not get all stuffy. During the summer this allows a breeze to go through which cuts down on the need for the air conditioner most days. When it starts to heat up more then I use a fan with adjustable settings that will turn itself on and off according to the temperature.

6. Order free samples online.

Now you guys and gals know how I just LOVE to get FREE stuff. I can get stuff online or from other folks it really does not matter. The thing I just love about ordering things online is that you can get samples shipped to you for free and who does not like free stuff.
I have used the trial sample of tylenol to keep in my purse at work in case I need a pain killer. I kept one of the trial deodorants in my glove compartment for that odd day when I rushed out of the house only to discover that I had not put on any deodorant before getting dressed. My favorite website http://www.spoofee.com/

7. Use candles .

I wrote previously that you could save money by spending more time in the dark. I have candles in my bathroom now that I use to serve multiple purposes. I have the prayer candles that I burn every so often as part of my spiritual journey and I add scented oil to the ones that are not already scented to give a lovely smell to the bathroom. These candles are placed in front of the mirror so that the light is reflected through the room and I do not have to turn on the light in the bathroom….so I save on the electricity. It has seriously lowered my electric bill so I will keep doing this.

8. Turn off unused appliances.

Do I REALLY need to get into this one? If you are not going to be using the appliance then there is really no need for it to be on. I only use my microwave to heat water for breakfast and then again to heat either my lunch or my dinner. This means the microwave is being used twice for the day. I unplug it as soon as I am done because it does not need to stay on. I have two watches, two cell phones (one is old and is not being used) and a battery powered clock (rechargeable batteries y’all) that I can get the time from. I do not need the microwave to function as a clock during the day and it is not like a refrigerator that MUST stay on constantly.

I have my computer on a Energy Saving Power Strip that is separate from the strip the cable modem is on. At night when I go to bed I turn the strip with the computer off because the computer will not be in use from about 9pm (yes I am like a chicken, I go to sleep early) to about 3pm the next day when I get home from school. That is 18 hours of non use where I can save on electricity costs. I also have the VCR unplugged because I rarely ever use it. Now I guess I should unplug the television too…but I have not because I do not want to have to reprogram the channels. (Bah!).

9. Make my lunch.

Yup I am the only one in the office who has stuff in the refrigerator. Every day I come in and put my little sandwich and my container of yogurt in the back office. I make cheese sandwiches or tuna sandwiches and bring them to work every day. Sometimes on Fridays I would bring one of those little frozen dinners if I had decided to splurge sometime. If I cook during the week then I take my little dish of leftovers and (gasp coworkers) heat it up in the microwave thoughtfully provided by the office. I also bring grapes or bananas to work to have as a snack during the day. I save money by always having something to eat during the day so that I am not tempted to go to the vending machines.

10. Pick up pennies.

I am always scanning the ground when I walk across campus as I go to and from class. When I go to do laundry I make sure to look at the floor around the lint bins too because people always leave money there. I am always finding pennies on the ground so I pick them up. You would be amazed at the number of pennies people leave on the ground in laundries, near the bus stop and in offices. I guess they think a penny is not worth stooping for…but I love the penny!

I have set up a little automatic transfer from my checking account to my online savings account. I have a little emergency fund called my Never go back to Broke fund that I am working on currently. Right now I do not have much in there since I just started it and I can only put in about $5 a month but it is better than having no savings at all in my opinion.

12. Pay bills online.

I use my Chase account to pay my bills online because it is free for me and offers me a great way to track my spending. I modify this online system by continuing to receive paper statements (bad for the environment I know….soon I will stop getting them) so that I can monitor the due dates. The money is taken out of my account and sent to the appropriate place and I do not have to lick any stamps or carry cash around. I also have a record of when the money was sent and when the check was actually cashed so I can gauge the time it takes for each bill to get paid.

13. Reduce interest rates.

I have called my credit card companies and asked for the interest rates on my cards to be lowered. I know that the ideal situation would be to not carry a balance from month to month but at this point I am not able to pay off the cards in full. Since I have already resigned to carrying a balance and working at bringing down the balances it is in my best interest to get the interest rates lowered on the amounts that I am already paying. In some cases I took advantage of a lower rate on a balance transfer so that I would have to pay less in interest and fees.

14. Take the bus or walk.


15. Cook for multiple days.

I don’t like to cook and I certainly do not want to cook every day. I cook on the weekends and a couple of times during the week but when I do make something I make a HUGE amount. The extra food goes into the refrigerator and I have meals for two or three days. I make an extra large container of potato salad (my FAVE!!!!! yum yum) and that lasts for about three days. I do not like to eat food that has stayed more than three days so by then I have to cook again.

16. Use coupons.

I believe in using coupons but only for the things that you REALLY use all the time. I get a lot of coupons but I usually throw them out because they are brands of things that I do not use or else they are items I would not event think of using in any case. There are however items that I get coupons for that I use all the time.

17. Buy generic.

There are some instances where I will only use the brand name item e.g. Palmer’s Cocoa Butter (because it makes my skin feel GREAT) but I have learned to use the generic brands of most items. Great Value evaporated milk tastes just as good as Carnation milk and contains the same vitamins so I go with the cheaper version. I save few cents on every can of milk and still get the same nutrition.

18. Keep extra money in high yield savings instead of checking.

I keep all my money except for the rent money in my high yield savings accounts online to gain some interest and make my banking easier to track. I pay my bills online and this has freed up so much time for me that I cannot imagine how I used to do it before.


19. Use the library.

I love to read and get free books from the library. I may have to wait a little bit longer when a new book comes out but it is better to wait a couple of weeks than to just pay money for the book when I may not like it. If I really do love a book then I will buy it AFTER I read it for free from the library. Reading also keeps me occupied and cuts down the time I would spend watching television or surfing the internet, which saves on electricity.

20. Wash dishes by hand.

I wash my dishes by hand all the time and only use the dishwasher to store the dishes so they can air dry. I do not see the point of running the dishwasher especially since I do not like my dishes to accumulate. I don’t know how much I save but I am sure it is a good amount because I am not using all the water it takes to run the machine and I am also not using any electricity to get my dishes clean.

21. Re-use plastic shopping bags as trash bags.

Every time I go off to supermarket I get tons of those little plastic shopping bags. While I have a tall trash can in the kitchen I have the normal medium sized ones in the other rooms. I use the Walmart shopping bags as my trash bags instead of buying bags. This saves me money and makes use of the bags that I get from shopping.

22. Use a water filter .

I drink tap water to save money instead of buying bottled water. I did invest in a filter because the ordinary tap water tastes a bit funny to me. The cost of the filter is absorbed over the time period it is used and I have great tasting water all the time.

23. No Cable.

I do not pay for cable (although sometimes I do miss the shows I do not regularly get to watch) because right now that is an unnecessary expense. I watch the television shows online, for free usually at hulu.com I also spend time on this blog and I use the internet at school a lot so that I do not miss the cable too much.

24. Use Paypal for purchases.

I use my paypal card to purchase things so that I am operating on a cash-like basis. The card will only work if I have the money in my account so I am using it like a debit card and not racking up any more charges on my credit cards. However I do get 1% cash back if I hit credit when I use the card. Getting a 1% cash back might not seem like much but when you operate on a cash basis you do not get anything back so I am winning here. Another way I look at it is that I get a 1% discount every time I make a purchase. Way to go PayPal!

25. Make lists…and stick to them.

I have found that one of the best ways for me to save money is to make lists and stick to them. When I go shopping I only buy what is on the list and nothing else. That way I can stick to my budget and not end up overspending on anything. I also make lists of my chores for the day and rearrange items so that I have minimal walking or driving to do. I combine trips when possible so that I can also save on gas and time.

Turn Superstition into Marketing Gold

From Entrepreneur.com

By Jennifer Wang

Good Business in Lucky Numbers Lauren Block and Thomas Kramer are the Lippert professor of marketing and associate professor of marketing and international business, respectively, at Baruch College's Zicklin School of Business. They say businesses can take steps to mitigate losses on Friday the 13th, as well as capitalize on positive superstitions.

Home store Crate & Barrel, Kramer recalls, ran a "Lucky You" campaign last year on Friday the 13th. "They played off the superstition and got people to come out anyway." Because consumers are not always aware of the extent to which they rely on superstitions, this is perhaps one model that businesses can follow.

Superstitious Customers Pay More for Less

Superstition and business don't openly mix in Western cultures, but in Asia, particularly in China and Taiwan, the two are intertwined. According to research done by Block and Kramer, superstitions can influence the buying habits of Taiwanese people, especially where it concerns lucky or unlucky colors and numbers. "We found, very interestingly and somewhat counter-intuitively, that people are willing to over-pay to avoid an unlucky number," Block says, referring to a study in which Taiwanese consumers often paid more for a package of three tennis balls than four, because the number four is considered ill-omened. In Mandarin Chinese, the pronunciation of "four" is similar to that of "dead."


Kramer concludes that it's important for business owners to be aware of any superstitions held by their target market. "Then they can both capitalize on [this knowledge] as well as avoid mistakes."

Read the entire article at Entrepreneur.com

What great tips do you have?

Everyone has a tip that someone else can benefit from.

Substitute honey for sugar in recipes
Carry your business card with you wherever you go
Using vinegar as a stain remover

Almost everyone I know and meet is interested in improving something about ourselves. That could be our productivity, office organization or our impact on the environment. How To books are one of the top ten best selling types of books in the world. You can spend hundreds of dollars on books or you go to Tipstrs.com The best (free) tips on all subjects. Tipstrs is a massive resource list that is almost guaranteed to have something of use for everyone. This is a great way to brand your name and herd traffic (consumers) to your website.

Step 1
Tipstrs

Step 2
Click on Log In & register for a new account. Don’t forget to click on Remember Me

Step 3
Click on Add A Tip

Step 4
Write a tip

Step 5
Don’t forget to add a link

Step 6
Add Categories

Step 7
Verify Humanity

Step 8
Click on Add Tip

EXAMPLE

How to tell, what to do if computer is infected (AP)

- Computer-virus infections don't cause your machine to crash anymore.

Now a days, the criminals behind the infections usually want your computer operating in top form so you don't know something's wrong. That way, they can log your keystrokes and steal any passwords or credit-card numbers you enter at Web sites, or they can link your infected computer with others to send out spam.

Here are some signs your computer is infected, tapped to serve as part of "botnet" armies run by criminals:

• You experience new, prolonged slowdowns. This can be a sign that a malicious program is running in the background.

• You continually get pop-up ads that you can't make go away. This is a sure sign you have "adware," and possibly more, on your machine.

• You're being directed to sites you didn't intend to visit, or your search results are coming back funky. This is another sign that hackers have gotten to your machine.

So what do you do?

• Having anti-virus software here is hugely helpful. For one, it can identify known malicious programs and disable them. If the virus that has infected your machine isn't detected, many anti-virus vendors offer a service in which they can remotely take over your computer and delete the malware for a fee.

• Some anti-virus vendors also offer free, online virus-scanning services.

• You may have to reinstall your operating system if your computer is still experiencing problems. It's a good idea even if you believe you've cleaned up the mess because malware can still be hidden on your machine. You will need to back up your files before you do this.

How do I know what information has been taken?

• It's very hard to tell what's been taken. Not every infection steals your data. Some just serve unwanted ads. Others poison your search result or steer you to Web sites you don't want to see. Others log your every keystroke. The anti-virus vendors have extensive databases about what the known infections do and don't do. Comparing the results from your virus scans to those entries will give you a good idea about what criminals may have snatched up.

By Yahoo Tech News

5 Money-Savers

In today’s economy, we all need to stretch our dollars. Spiking gas prices and grocery bills means a little less splurging and a bit more budgeting. We know that scrimping and saving is never fun, but we’ve got five ways you can save without totally giving up the luxuries you love.


1. Save on groceries. The key here is to plan, plan, plan. Put together a grocery list of items that you’ll need for the next two weeks. Then cross check to see if any of those items are on sale at your local stores. Look for money-saving coupons online or in your Sunday newspapers. Sometimes you can even cut costs by buying certain items in bulk.

2. Smart cooking. Now’s the time to really think about the foods you want to prepare and be creative with them. For some recipes, you can modify them to substitute with cheaper ingredients that would still give you the same results. Also, there are recipe ideas out there that are easy on the wallet but still deliver the delicious results – from simple delicious recipes that just use a few ingredients to recipes that use most ingredients that you might already have in your pantry. Check out our budget-friendly recipe ideas here!

3. Learn to find deals. Are you a “shop-a-holic”? Learn to skip the mall and find better deals online for clothes, shoes, and accessories. If there’s a store at the mall you just can’t give up, sign up for their online newsletter for access to coupons and to get the heads up on their next in-store sale.

4. Find a less expensive way to socialize. Meeting up with friends often means shelling out lots of cash at a fancy restaurant. Even budget-friendly restaurants can wreak havoc on your budget if you go too often. So try a new way to socialize—set up a dinner club schedule with your pals. Each person can host the group for dinner and everyone brings a potluck dish. This lets your group spend time together and showcase their culinary skills, while saving you all on pricy restaurant bills, parking, and tips.

5. Bring the fun and experience home. Don’t feel like you’re missing out on that overpriced cup of coffee every morning. You can save money by setting up an at-home coffee bar. Buying a new coffee or espresso machine will ultimately save you a lot. Get a few extras, like chocolate shavings or a bottle of flavored syrup, and you can enjoy a hot cup of Joe at home for much less. And instead of heading to the theater, rent a flick at home. Lots of mail-in services make it much cheaper to watch a recent release. As an added bonus, you’ll save on those outrageous concession stand costs—pop your own popcorn or make your own snacks at half the price.