Daily Coupon USA

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Late bloomers don’t worry! Retirement planning for you

late bloomers

One of the biggest concerns is the right amount of money to save for retirement. This is where a lot of people go wrong. They don’t really know how much they should keep aside. The market is getting bigger day by day and so are the rates of commodities.

Saving money for retirement as early as possible is the most important step we all need to take at some point in time. However, there are some people who are not able to stick to a particular retirement plan and end up starting late. Chetan is one such guy who has had a casual attitude towards everything all his life. He didn’t really save anything for his future and consequently faced a lot of troubles while planning for the retirement. If he had invested his money somewhere, then probably he would be getting profitable returns now. One small mistake proved to be life changing for him, but he still managed to do well with his retirement as he got the right advice from experts. One of the biggest concerns is the right amount of money to save for retirement. This is where a lot of people go wrong. They don’t really know how much they should keep aside. The market is getting bigger day by day and so are the rates of commodities. Hence, the bottom line is that you should save as much as you can if you want to live a relaxed life after retirement. Everyone gets a second chance and so even if you are a late bloomer you could do well with your retirement planning. Know the Right Time to Start and Invest Heavily You might probably be a little bit late on getting started with your savings but it is essential to begin quickly. Whenever you have a big sum to invest, you should get started with your retirement planning and saving. When you grow older, you won’t be able to invest as much as you can now as your liabilities and responsibilities increase. So make a move and try to contribute a huge chunk of your savings in one of the premium pension or retirement plans in the market. When you have determined the amount of money you are looking to save, you should try and push back your retirement so that you can get some extra time to arrange more funds. Some examples of popular pension plans in which you can invest your money are discussed below. ICICI Pru Easy Retirement Plan Minimum/Maximum Premium Amount Rs 48, 000/Unlimited Methods of Premium Payment Monthly, Half-Yearly or Annually Minimum/Maximum Age of Entry 35 years/70 years PPT (Premium Payment Term) 5, 10 years or Policy Term Term of Policy 10, 15, 20, 25, 30 years HDFC Life Personal Pension Plus Plan Term of Policy 10 years to 40 years PPT (Premium Payment Term) Same as policy term Entry Age 18 years to 65 years Vesting Age 55 years to 75 years Birla Sun Life Insurance Empower Pension Plan Age of Entry 25 years to 70 years Period of Accumulation 5 years to 30 years and a maximum vesting age of 80 years Policy Pay Term Regular Pay Get Rid of All Your Needless Insurance Policies When you start cutting down your expenses, your savings automatically tend to go up. So, you should start getting rid of all your needless insurance plans which cost a lot of money. If you wish to follow a healthy savings route, you must eliminate all the unnecessary expenses from your daily life and start focusing on saving for your retirement. Avoid buying any luxury vehicle or holiday package when you have already started saving for the future. You should even pay off all your remaining debts, if any, so that you don’t have any financial burdens. In case you had taken a home loan some time ago, then you should first repay it and then proceed towards your retirement planning. Relocate to a less expensive locality or city There are innumerable ways of saving money and one of them is to relocate to a less expensive city or locality. It’s a tried and tested method of racking up funds for future. You could also shift to your hometown where everything is cheaply available rather than living in a costly metropolitan city. The property rates, rents and commodity prices in metropolitan areas are extremely high, which would have an adverse impact on your savings. Have all your monetary instruments well structured Over the course of time, we tend to invest our money in various money making instruments such as fixed deposits, mutual funds and real estate properties. When you have finally made up your mind to go for retirement planning, you should get all your instruments well structured. If there are any kinds of deposits which are not yielding you good profits, you need to close them down. When you have made all the arrangements, you can sit back and relax. Retirement planning in itself is a huge task which takes years to accomplish and hence, requires proper planning and structuring.

Source: http://www.moneycontrol.com/news/retirement/late-bloomers-dont-worry-retirement-planning-for-you_1048686.html

3 Quick Tips to Save Money with Coupons

You can save money by clipping coupons but it can be exhausting. This is especially so when you’re not sure what you are doing. However, when you save $32 here and $18 there, the effort is well worth it. Saving becomes challenging and rewarding.

A few tips to follow will help keep your savings going up and arm you with techniques even a beginner couponer can follow. Like everything else in life, it will take time and effort (all good things do).

In no time, it will become a part of your normal routine. Of course to start however, you will need to find room on your plate to fit it in. It will be worth the time if you can shave $200 – $500 on your groceries and household items. You’ll be a happy camper. Clipping coupons can easily yield these results when you make it a habit.

Step 1: Organize your coupons.

You can get all your coupons from the Sunday paper, from your stores sales ads and from the internet. It won’t take long to have a large stack which of course will need organizing. I use The Couponizer to organize my coupons.

Without a system to sort your coupons you will likely become frustrated. Figure out what works best for you and start clipping.

Step 2: Limit your shopping trips and track what you need.

If you find a particular day or evening is less hectic, use this time to clip your coupons. Also, it is best to choose 1-2 days each week for your actual shopping trips. Limit it as much as you can to save more money.

Keep track of items in need of stocking up with a free download that you can post on the refrigerator. Track this during the week and pull coupons you have. If you can match the coupons up with in store sales items, you’ll save big.

3. Meal planning for the week.

If you’ve never planned that far ahead you’ll be in for a surprise. Sitting down to organize the weeks meals will, in the end, save you time (and money).

There are sites you can pay to have them make out a plan for you. Like E-Mealz. It costs roughly $1.25 per week. But, planning meals yourself isn’t that difficult. It’s your choice of course, you decide.

Check out 5 Weekly Meal Planning Tips to help organize your week. And use the free Weekly Meal Plan download to hang on the fridge.

Have fun saving!

How do you save money with coupons? Please share some of your tips and tricks in the comments below.




The Major Pros And Cons To Online Learning

Ever since the entry of online learning, many have questioned its advantages and disadvantages over the more traditional model of classroom based learning. While each format presents its own pros and cons, determining which is more advantageous will depend on the circumstances faced by a student. Online learning may be the better choice for some, while sticking with an in-person format may better suit others. Choosing between the two options is a multi-faceted, personal decision for each individual.


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A key factor that has buoyed the popularity of online courses is the convenience it provides students. The need to travel to and from classes at a campus is eliminated. A student can simply log on to class at home or in a library to view the lessons. Transportation expenses for gas and parking are diminished. And since students are not running about going from one class to another, assigned tasks are completed at leisure rather than at a hurried pace.

In addition, students of online courses Australia are able to hone their computer skills. While working online, a student can take full advantage of the Internet as a resource for their studies to research for additional information. The course materials are provided in digital format hence the use of computer applications becomes second nature to students.
Learning online also teaches students the value of time management. The ability to manage one’s time is major challenge for students of traditional and virtual classrooms. In most cases, people who have taken up distance education courses indicate an increase in self-discipline as the key to eliminating the tendency to procrastinate. The independence to set one’s own schedule eases the pressure of studying thus making it easier for students of online classes to stick to their schedule.

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Unfortunately a key argument against education online courses is the quality of its content. With the growing number of providers over the Internet, it can be confusing for a novice looking for an online class. It helps to do one’s research and to seek out reputable providers that offer programs with full accreditation from recognized organizations.

For some, the lack of personal interaction with distance education courses is another difficulty that many find hard to overcome. This is particularly true of students who are motivated by the social interface provided by traditional learning. In response to this dilemma, an increasing number of providers have introduced various ways for their learners to socialize with the class. Some providers offer students the opportunity to interact with their tutors via email. In this manner, students can ask questions and expect a reply within a twenty-four period.

Regardless of which learning format a student may go for, the following tips for learning success remain true. First, time management is key so be sure to set aside time for study. Refrain from the temptation to deviate from the schedule. Second, ask reasonable and responsible questions. By asking the right questions, a teacher or tutor can help expand the lesson further for the benefit of all the students. Third, set a goal for completing the course in order to stay motivated.


Source: http://www.edudemic.com/pros-cons-online-learning/

What Are The Most Important Features Of Online Education?

http://edudemic.com/wp-content/uploads/2011/11/online-education.jpgA recently released U.S. Department of Education report contains enough statistics, p-values and information about “statistical significance” to entertain even the most extreme statistician.  Fortunately, the article also breaks down the information into terms that those that suffer from a statistics related phobia can still glean some useful information.

There are a few interesting topics covered in the study that are worth additional consideration.  When developing your online material, you may want to consider the information in this study about the use of additional media, as well as the methods that students are able to engage in that media.

Additional Media

This study looks at a compilation of previous research as it relates to the use of videos and online quizzes.  “Elements such as video or online quizzes do not appear to influence the amount that students learn in online classes” according to the report.  The immediate red flag that may go up for some online developers is a potential concern about a lack of assessment.  Notice though that this report is specifically covering quizzes and not assessments.  As mentioned in previous posts, these two things are often bundled together incorrectly.  There are plenty of ways to assess students outside of the utilization of a quiz or randomly generated test bank.

Online course developers need to always evaluate the inclusion of the various elements in a course as it relates to the amount of value that it brings to the learning outcomes.  Students can certainly utilize the course content (readings) to go back and answer various questions on a multiple choice test.  This would be something that would be covered in the “Remembering” level of Bloom’s Taxonomy.

With some additional effort and consideration, a developer should be able to move from “Remembering” into “Analyzing” and potentially even “Creating”.  What better way to engage a student in learning than allowing them to be challenged into doing more than simply regurgitating information for test bank questions.

Similarly, this study reminds developers to reevaluate the additional media that is contained within their courses.  “Inclusion of more media in an online application does not appear to enhance learning.”  This finding could potential be related to simply overwhelming the students with media, rather than valuable content, just for the sake of including multiple media sources.

Learner Control

The study addressed the methods in which learners were able to control the media content.  There is an indication that “some evidence suggests that the learner’s ability to control the learning media is important.”  In a study originally published in the American Journal of Distance Education, Dongsong Zhang, addressed the impact of the students ability to directly control the content.  “Zhang found a statistically significant positive effect in favor of learner control over Web functionality.”

During his study, he had a group that was required to watch content from start to finish without the ability to move around or continue to the next module until the current module was complete.  His second group was able to move around, rewind, and watch the content in any order that they desired.  While his study doesn’t provide the reason why the second group tended to perform better, there may be some things that developers can surmise or consider.

Certainly all learners don’t need the same remediation, or level of detail, on the same content within the course.  Requiring that learners look at all of the content may reinforce the problem of content overload, and the learners may be “checked out” when material that would be beneficial for them is actually delivered.  The requirement to step through all of the content would be similar to a traditional lecture environment which consists of nothing but one way dialogue.  Educators are now adapting to multiple learning styles/intelligence of learners and mixing up their delivery to account for how their students learn.  Online instruction shouldn’t be any different.

Money-Saving Coupon Apps Every Consumer Should Use

Coupons have always been a way to save, but increasingly, clipping newspaper coupons is a futile act. You’ll spend time cutting and sorting, just to have the majority of them will expire before you even get to use them; and even if you had valid coupons, you’d likely forget them at home until they expire anyway. But after years of coupon fails, technology has finally caught up with money-saving tactics. These smart phone apps take this process into the 21st century:



SnipSnap’s slogan says it all: “Never leave a coupon at home again!” There’s no forgetting your coupons when they’re in your smartphone, which for most people is practically the very thing that’s with them 24/7. Users take pictures of retail and restaurant coupons with their smartphones, a process deemed “snipping,” and the coupons are stored digitally in the app. While shopping, users then simply locate their desired coupon in SnipSnap, select “Tap to Redeem,” and show it to a store clerk at check-out. One awesome feature of Snip Snap is that users can access not only their snipped coupons, but also those of other users through the app’s “Discovery” feature; this creates more savings opportunities for everyone using SnipSnap. The app’s only con is that it only supports iOS, leaving Android users in the dark.


Coupon Sherpa

Android (and iOS) users have Coupon Sherpa, which is essentially the same concept as SnipSnap, with a few differences. Coupon Sherpa provides its users with coupon organization and a grocery coupon feature, while SnipSnap has neither. Nevertheless, these features are overshadowed by Coupon Sherpa’s shortage of coupon options, which is due to it lacking the snip feature that SnipSnap possesses. Still, Coupon Sherpa provides Android users with an easy-to-use interface that gives them in-store savings opportunities.


Grocery IQ

Looking for a grocery shopping app that is both organized and loaded with savings opportunities? Grocery IQ is the answer. It not only enables users to create grocery lists that are organized by category, but also allows them to save money through its coupon feature, powered by Coupons.com. When users begin typing an item to add to their list, coupons that match their query show up automatically; they can then save coupons digitally or print them out. Saving them digitally, however, is the best part about Grocery IQ. When users set up an account, they have the option to add their store rewards cards to it, thus enabling them to add coupons they want to their grocery store rewards cards. Then, all they have to do is click “add to card” and when checking out, for example, users swipe the rewards card and all of the coupons they’ve added to it are applied towards their purchase.


Saving Star

SavingStar is a unique coupon app. Users create an account, digitally store their rewards cards, such as CVS, and then add coupons for their favorite stores to their SavingStar account; these coupons are automatically applied to users’ appropriate rewards cards. When they check out at a participating store, they save money by using their rewards cards, though the savings are not seen immediately. Instead, the monetary value of their savings are added to their SavingStar account within 30 days, at which time users can opt to transfer their coupon savings to a bank account, PayPal account, an Amazon gift card, or to the non-profit American Forests.



The primary purpose of Tabbedout is to avoid the annoying process of paying your tab at a jam-packed bar. Through the app, users simply add their credit card, check into a bar, and pay their tab when they wish to leave; the entire process is paperless and hassle-free. “Tabbedout’s system seems incredibly well thought out and the company seems to be pretty aggressive about getting its systems in place nationwide, which could make a staple option of the mobile payments,” says Ryan Faas of CultOfMac.com.

If you’re a coupon clipper and you own a smartphone, these free apps will provide ample savings for you and your family.


Article Source: Consumer Media network