tooth whitening products

The key is not only having say 10 different stocks but they should also be distributed amongst various segments of the economy and across various economies (read countries).

What are good markets/industries for the next 20 years?

Think about India, China, oil, health care. An excellent way to invest in oil with a small amount of money is to purchase an ETF, such as PXE or XLE or IYE or VDE or IEO or PXJ or USO. XLE is the most popular.

For China there is also an ETF: PGE or FXI

Regretably there is not yet an ETF of Indian stocks but there are about 12 or 16 traded on the NYSE. There are a couple of closed end funds that specialize in Indian stocks.

For health care there is these ETFs: XLV, IBB, PPH, BBH, IHY, PJP, IHE, IHF, IHI, XPH, XBI. Seems like there are more ETFs than there are companies. ha ha.

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I mean it do this to EVERY freakin website i go on. Its Driving me nuts, How do i get rid of this crap. I’m not buying the freakin product

pwned.

Please tell me your current home owner rates and monthly cost please include where you live. If you have websites or links that would help me get accurate rates for todays economy that would help too! Thanks!

Check Zillow.com. This will give you regional home values. I would not advise anyone to answer with home values, rates and payments on an open forum like Yahoo Answers. For acurate rates, check Yahoo Finance.

1.) Figure out how much money you need to cover mandatory expenses. (Rent, electric bills, basic groceries, credit card minimum monthly payments, etc.) Keep this much money in your checking account each month.

2.) Look at the amount of money you have coming in that is in addition to your mandatory expenses. This will combine to be your savings money, your pay-off-that-credit-card-debt money, and your fun money. Maybe your amount is $600- you could put $200 in each category.

3.) Pay yourself first- I would set up both a short-term emergency fund, and a permanent retirement savings fund. Even if you think you have too much debt to save for retirement right now, I think it is very important to begin, at whatever level! If your employer offers a 401(k) with a match, enroll, even if it is only at 1%! Once you see how easy 1% is, you will be motivated to bump it up until the next thing you know, you’re saving 10% of your paycheck, which is a great goal.

You should also have an emergency fund so that the next time the car breaks down, you don’t have to put it on the credit card. Choose a high-yield savings account. I do mine online through ING Direct- you get 4.5% interest at the moment, and it’s really easy to set up automatic deposits from your checking account. Even if you can only do $30 a month, you will still have $360 at the end of the year. If you can do more, fantastic! This emergency fund can double as your home buying fund, or fund for whatever other short-term financial goals you have.

4.) Now, to pay down the credit card debt. If you have multiple cards, look at the statements and see which one is charging you the highest interest rate. That is the one you want to focus on paying down first. Of course you will need to make the minimum payment on all of them to protect your credit score, but whatever amount you can pay above the minimums, put towards the one with the highest rate. You’ve got to do this- it will take years and years to pay them off if you only pay the minimum!

5.) About those credit cards- put them in a big Ziploc bag, and fill it with water. Now, shove the whole bag in your freezer. This way, if you have a genuine emergency, you have your cards, but it will be a lot harder to make any impulse buys.

6.) Whatever amount you designated for fun money, take it out in cash. If you are going to buy something you want, as opposed to something you need, pay cash for it. If you have cash in your wallet, you can buy it. If you don’t, you can’t- it’s as simple as that. At the same time, if you have cash, you can buy it without feeling one bit guilty about it!

When I first started budgeting, I beat myself up so much over every single purchase, I was pretty miserable. This method finally allowed me to stick to a budget and feel happy about myself.

thanks in advance

i know this is the wrong category really but i always get good answers here

I think it’s important to also account for emergency expenses as well. Such as a vehicle breaking, your child getting sick…things like that. Also, keep in mind that you really can live off of less money. My husband and I combined make about $9000 monthly, and I save $7000 every month. I do this by putting all of the money into our savings account and allowing $300 weekly to live off of. We usually have lots left over for the next week and then it goes back into savings. Just think about what you are going to buy and if you really need it. Everything always works out in the end Also, good on you for staying home with your child.

Good luck and congrats!

I can get you quicken home and business for a fee. Like. . . sending a person who buys a computer – I do custom builds. I’m trying to sell so I can get one of my own. Anyway, hope this helps.

Also, I just googled "money management software" and the first site was for a free download.

Will you go as often?

Will you stretch your appointments but still keep them with your stylist in the salon?

Will you take on the hair cutting and coloring task at home?

For me…….I have a cold wave perm………I can go from 3 to 5 months and do maintenance at home……….after that……….I should be able to afford to go to the salon…….for a re-touch.

The most important part is doing maintenance to the hair between appointments to keep my hair in good condition.

Victory of Creativehairillusions