College Food Shopping 101

College students are notorious for being broke partiers who stay up all night playing video games while eating the bare minimum. Being in that stereotype I’ve learned to adapt. Controlling your money wisely is a very unique characteristic for being 22 and dumb. Although it has taken me some time to figure out how to completely manage my money it helps when you don’t go out for every meal. Eating out is a definite way to run you wallet dry and leave your stomach aching for more food when your pockets are empty. In order to keep yourself on track and eating somewhat healthy I have some advice to give.

1. Don’t eat out: We all know how easy it is to run over to Chipotle or McDonald’s and grab food when you don’t want to have to go out, buy the food, then come home and make it. But in reality, what would cost you $10 dollars at your local sandwich shop, really would cost you 5 dollars at a grocery store and you’d be able to make more than one meal with. For example, my girlfriend loves to go out to Noodles N Company and eat all the pasta her little heart can desire. But in actuality, I can go to Wal-Mart and buy the pasta and Alfredo sauce and maybe even some garlic bread for $4. This is the difference between a $16 dollar meal between the both of us, but now only 4 dollars.

2. Stay away from the sweets: So you’ve made it to the store, but now you actually have to know what to buy. While being on a budget you soon learn to realize what you can make two dinners for price-wise, you can get for one box of fruit roll-ups. These boxes are designed to attract your attention and have you grabbing a $7 box when you can be can $7 worth the meet and potatoes. I’m not preaching healthy, I’m preaching smart. In order to get the biggest bang for your buck buy food that’s going to fill you up for hours, not 20 minutes. Staying away from brand names also helps in the long run. Many grocery stores offer great value brand items which are significantly less than your average name brand product.

Though just two suggestions, the process of not eating out and staying away from the name brand sweets and etc. will leave you more time for weekend money rather than scraping any bit of food together just so you don’t have to mooch off your roommate.

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Top Benefits of Shopping for Jewelry Online

Gone are the days when buying jewelry required hours spent with a marketing person who has only a handful of pieces in the store. Today, buying them online is as easy as just pick and click and the choosing at the tip of your finger dominates the offline retailers. Online shopping for jewelry that remembers your special occasions brings nothing but advantages to you as a buyer in at least 5 distinct ways.

Saves more money

Of any transaction, the price is a factor and it emerges largely when you are buying them, whether it is a costume for your kid’s school play or a diamond neck piece for a wedding present. Shopping online saves you more by giving you a detailed price information and making it easy to compare what other retailers charge for the same items. As a buyer, you can open multiple tabs in your system, each with an item you are willing to buy and directly compare prices.

Easy comparison

Searching for your favorite piece in various tabs helps in another way; it allows you to compare similar items side – by – side. This is not possible in – store shopping experience. To compare it at a traditional store, it might need some assistance and what gets shown might not represent the complete range of options. For instance, a simple gold ring comes with so many variations that no one store can fulfill your requirement. Online, finding the right piece you need is as simple as typing the keyword. Various jewelry retailers make it easy by offering a search bar on all pages. You just have to drill down their category.

Everything will be in stock

This is another area where online shopping for jewelry excels over in – store purchases is in the high probability that the piece you are looking for is in stock and ready to ship. A retailer might run of that particular piece you have set your heart on, but online jewelers are not limited to the stock.

Shopping at your own pace

Buying gold jewelry is potentially a huge – ticket purchase, and feeling rushed to purchase makes for a rewarding experience. Even if your offline store rep is being mannered, there are still a certain pressure to purchase quickly and go, which can end up to hurried decisions. This pressure is avoided when you shop online. Shopping on the web can be done in private, away from outside tension and without any sense of commitment.

Bundling orders together

Purchasing multiple items at once might be a headache in an offline store. Even if the retailer you visit, has that piece you were eying on but you might not be able to find the type of brooch or pendant you are looking for. Purchasing online gets around this situation by letting you purchase for as many pieces as you need and then bundling them together into one transaction with low shipping cost. Online retailers do offer free shipping for orders above a certain amount.

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Instant Messaging for Online Shopping

E-commerce websites are now-a-days opting various Tele-communication technologies to provide effective customers service. The hotline services or email support services from e-commerce websites often create hassle for the customers. Live chat option is the trending technology, where the customers can then and there communicate with the vendor regarding the size, color and quality of product.

Instant Messaging empowers clients to ask fundamental inquiries while shopping for a product or a service. E-commerce suppliers frequently report that live chat programming empowers them to address the sorts of specific inquiries that aren’t normal enough to warrant a reply in a FAQ area yet that can have the effect in bringing a deal to a close.

Through Instant Messaging (IM) tool the users can make point-point HD video calls. HD video calling provides customers a rich experience in availing the support services form the e-commerce companies. The advantages of live video chat in e-commerce websites for both clients and the vendors include: Real-time, one-on-one individual customer support. Client reps can impart Web screens to the client, impart the website route, and direct them to the site page and product(s) they get some information about. Clients can see the item up close. Reps can likewise help clients with inquiries regarding strategies on the best way to do something with an item. Create individual associations from social discussions and client help. Make internet shopping more proficient and agreeable.

How to use IM:

By enabling the live video chat option on every page of the e-commerce site, the customers can click on the video chat option to get live and instantaneous support from the vendors. Here there will be options for one-way or two-way video chat, in one way video chat the customer need not have a camera. In one way video chat, only customer support executive’s video will be visible to the client. The particular shopping associates can explore the website, give item suggestions, think about stock, exhibit item peculiarities, and examine insights about stock shades and examples.

Advantages of IM for online shoppers:

Video chat option in web shopping renovate the e-trade destinations as it would make the webpage more reliable, enhances number of leads, reduced number of product rejections. The following are the various advantages of live video assistance for the customers:

• Can visualize the product

• Check for the product availability based on the size and color

• Having clear knowledge on the product by discussing with the sales guys

• Though live video chat the customers can have the personalized shopping experience as of the real physical shopping.

• Complaints or after sale support will be more enhanced as the customer can clearly show where the product is damaged or how the product is not performing well.

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5 Mistakes to Avoid While Online Electronics Shopping

If you are planning to buy electronics, there is no better option than online electronics shopping. Thanks to the reasonable prices, convenience, wide variety, secured shopping environment and numerous other advantages the online medium of electronics shopping offers to us. However, quite a few individuals still hesitate to shop online because of the frauds and scams online shopping is prone to.

Although online electronics shopping is fun, but sometimes individuals tend to make some mistakes while shopping online and hence, there online shopping experience turns out to be a failure. In order to evade such a situation, one must avoid making some mistakes for the best results. These include:

1. Making a hasty purchase: Decisions made in a hurry often prove to be wrong. So make sure to avoid making quick decisions without evaluating each point of concern before buying electronics online. You must thoroughly check the terms and conditions of the store you are buying from, its return policy, shipping charges, contact details and other significant information.

If there is something about the website that doesn’t appeal to you or does not seem to be up to the mark, simply don’t buy the product. It’s better not to buy a product that doesn’t meet your requirement rather than returning it afterwards.

2. Buying expensive electronics without any discount: Buying expensive electronics at full price is a very common mistake that most individuals tend to make. It is suggested to buy electronic items during the festive season when most of the websites offer the best deals and discount offers on a range of electronic products. Most of the electronic stores offer Diwali discounts, anniversary sales, mid-season sales, winter discounts and more. You should make the most of these deals offered by different stores. You can buy your desired electronic item at a much lesser price at this time of the year.

In addition to the discounts, you can also get free gifts or free shipping as a bonus.

3. Choosing a random website: This is perhaps the most common mistake that people usually tend to commit. Due to our busy schedules, most of us choose any website randomly that offers the best price, but we forget to confirm the authenticity of the site. This may later cause us great loss.

Hence, you should always make a thorough research about the website before purchasing any item from it. Choose a website that’s absolutely transparent with the customers, read its reviews and also check its terms and conditions.

4. Not comparing prices: This is yet another big mistake that most individuals commit while shopping online. Not using the price comparison tools can be very disadvantageous.

Online shopping is known for offering the best prices, so you must use it to your advantage by comparing prices from the competitive websites in order to get the lowest price possible. Several online stores now offer price comparison tools to make your shopping experience even more simple and quick. Isn’t that great?

5. Following unknown email links or advertisements: This is one common mistake that can be very harmful for you. So make sure to avoid following any unsolicited emails or links, even if they emphasize on being authentic and trustworthy. It is because, these links can be a scam that would collect your personal information and misuse it later.

Albeit, online electronics shopping is much simpler and advantageous, it is also prone to scams and cheats. In order to have a safer online shopping experience, you must avoid making some common mistakes listed above. You should stay aware of the aforementioned mistakes and avoid making them at any cost.

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Benefits of Shopping At an Online Thrift Store

Local mortar retail thrift shops have been around for many years and today online thrift stores are becoming just as popular. Most people shop second-hand stores to find great deals on a wide variety of merchandise including, clothes for their family, home decorations, furniture, sporting goods, holiday and seasonal decorations.The Internet has made it possible for us to shop online from the comfort of our homes, saving us gas money and the time it would take for us to make the trip to our local thrift store. For those that are looking for that one particular treasure, they can simply search for that treasure from the home page of an online thrift store to see the stores’ latest availability.

Listed below are a few of the many benefits you can expect to receive:

Advantages

  • Very low prices!
  • Special deals & discounts
  • Convenience of shopping from the comfort of your home
  • Customers won’t have to battle with crowds of people
  • Customers save gas money
  • Customers saves time
  • Most online thrift stores will also offer new merchandise
  • An online thrift store will tend to be organized and easy to navigate
  • Easy to find merchandise through search capabilities
  • Some online thrift stores offer consignment services, which gives you the ability to sell your unwanted items and earn some extra money

Disadvantages

  • Availability – most second-hand merchandise will have a limited quantity
  • Customer service – In some cases, email is the only form of communication
  • Customer does not have the ability to see the product, except through pictures
  • Customer does not have the ability to try on apparel
  • Customer does not have the ability to test electronics or fixtures
  • Sold as-is condition
  • Security and safety of your payment and personal information
  • Shipping charges

Although there may be a few disadvantages, many online thrift stores have overcome these disadvantages by offering better return policies and they will often offer discounted or free shipping options. This is a great way to shop, because you can virtually received your merchandise risk-free and if you find that the product you ordered didn’t fit, wasn’t what you thought it was, didn’t work, etc. you simply return it.

Most online stores will have a “Contact Us” page listing their company’s phone number, mailing address and email address as a means of communicating with their customers. So, if you find a problem with your order or have a question about a product you seen in their store, don’t hesitate to contact them.

Security and safety of any online purchase has always been a concern. It is important to look for sites that have a high security level (SSL certification, don’t share payment or personal information, including email, etc.); this information can generally be found in the store’s policies, terms and conditions pages. Most secure sites will proudly display high security badges on their shopping cart pages or some will even display security badges on the header of their store pages letting their customers know that their information is safe.

Shopping online thrift stores can give you the great advantages of saving time and money purchasing your treasures, clothing and general merchandise at very low prices and receiving special discounts with the convenience of shopping from the comfort of your home.

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Avast SafePrice Guide – A Highly Useful Shopping Tool to Help You Get Deals at Trusted Online Shops

As far as browser extensions go, if there is one really worth installing it is Avast SafePrice. This extension displays the best possible prices of any products you are looking for at only trusted online shops. There is an extensive network of every type of store imaginable. No matter what kind of products or service(s) you are searching for, you can count on Avast to find exactly what you want at a low price. It will also offer recommendations and ideas.

Even if you don’t shop that much online, it’s still worth having. Avast SafePrice is available for all browsers: Firefox, Opera, Chrome, and Microsoft Edge. You can get it at the Avast website or as a feature in Avast Antivirus if you already have that. If the extension doesn’t manage to find a low price that you are happy with, it will still offer coupons and promo codes that are available from its network of stores to help bring the price down anyway.

How does it work? After installing and enabling the extension, simply search for the item you are searching for, and SafePrice will automatically check all trustworthy shops and offer you a list of the best prices and coupons. Look over all of the offers and select the deal you want. You can just click on it and you will automatically be taken to the website where you can finish the purchase.

Where Does Avast SafePrice Work?

You can still search at your favorite online store(s) like you regularly would, and if the Avast plugin finds a lower price at another retailer, it will pop up with the notification. The best deal will be listed in one tab and alternative options will be listed in the “offers” tab. Should you find the feature to be obtrusive, there is an option to disable it, or parts of it, for 24 hours.

Other settings can be customized as well. For instance, you can change the circumstances under which the pop up notifications appear, and for which sites Avast SafePrice actively searches for coupons and offers. There will be an icon located in the upper right corner of the browser for you to click on. Just select Settings (gear icon) and make relevant adjustments. You can even exclude specific sites if there are any that you don’t like to use.

Another great thing about this shopping tool is that it does not collect personal data. Avast SafePrice will only collect anonymous data about the products and pages visited. Since Avast is known for its security and privacy products, you can trust that your privacy will be kept safe when using the shopping extension.

Always use Avast discount codes when buying its security products. While Avast SafePrice for free (10+ million downloads in the Google Store), you’ll still want to consider getting the premier security suite, which comes with many other essential security and protection tools.

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Motorcycle Insurance – Things to Know When Shopping for Motorcycle Insurance Quotes

What you should know about shopping for motorcycle insurance including how to find the lowest quotes. How insurance companies rate motorcycle insurance and more.

  1. How do insurance companies rate motorcycle insurance?
  2. Do I have to have a motorcycle license to get insurance?
  3. Why is full coverage so much more than liability insurance on my bike?
  4. Are there benefits in using an agency to quote my motorcycle insurance?
  5. How can I find the lowest rate insurance quotes?

1. How do insurance companies rate motorcycle insurance? Insurance companies rate bikers insurance much like auto insurance with a few differences. Here’s a list of the main rating factors used to determine your rates….

  • Zip code – Areas with a greater history of losses rate higher
  • Date of birth – Wisdom and safety come with age
  • Driving experience – More experience equals lower rates
  • Marital Status – Married riders enjoy a little lower rates
  • Violation history – More violations, more premium
  • Coverages requested – Better coverages, higher premiums
  • Motorcycle Value – Only when purchasing full coverage
  • CC Size – Size matters, bigger engines pay more
  • Cycle endorsement date – the date you got a motorcycle license
  • Discounts & other rating factors – ask your company for details

2. Do I have to have a motorcycle license to purchase insurance? You don’t have to obtain a motorcycle license to purchase riders insurance, however, having a motorcycle license does have a bearing on your rates. Having a class M license shows the insurance company that you are an experienced rider and less likely to be involved in an accident. The longer you’ve had your motorcycle license, the lower the rates. There are many companies available for you to purchase motorcycle insurance from even if you don’t have a license but be prepared to pay a higher rate than those with a license.

3. Why is full coverage so much more than liability insurance on my bike? The reason why full coverage insurance on a motorcycle is so much higher than liability is simply because of the risk involved. Remember, liability insurance covers others, what you’re liable for, and not your bike itself and full coverage covers your bike as well as liability. If you hit someone with your motorcycle, your insurance company has to pay for damages you caused to others and their property. How much damage can you really cause with a motorcycle? That’s why liability motorcycle insurance is usually so inexpensive. The damage you can cause with your bike reflects the rates you pay on liability. Now, it’s a whole another story when it comes to full coverage. Almost any kind of accident will cause extensive damage to your bike that would have to be paid for resulting in much higher rates. Get quotes on both and compare your options before making a decision.

4. Are there benefits in using an agency to quote my motorcycle insurance? There are great benefits in using an agency. Agencies usually work with multiple carriers that have different guidelines, prefer different kinds of risks, offer different discounts and more. Agencies can enter your information in a comparative rater and instantly see the rates of all the companies they have to offer you. Agencies will usually do all they can, including but not limited to, offering all discounts available to help you find low cost motorcycle insurance.

5. How can I find the lowest motorcycle quotes? When shopping for any kind of insurance quotes, you want to do your best in providing the most accurate information. The reason why you want to do this is because a company quoting you the lowest rates with let’s say no tickets will not usually be the cheapest if you happen to have a ticket. Every company has their way of rating so when you are comparison shopping for your motorcycle insurance, provide accurate information, especially with past tickets to ensure you’re comparing accurate rates. Also, take the time to quote from at least 3 different companies to understand the range of prices you should be paying. Lastly, make sure to get a quote from at least 1 agency as an agency instantly quotes multiple companies so 1 call gets you the lowest of many quotes. Insurance agents can usually also offer discounts and advise to find you the Lowest Motorcycle Insurance Quotes.

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Shopping Checklist for Halloween

Halloween gives you one day to have as much fun as you want. You surely don’t want to commit any sort of mistake and miss any opportunity to enjoy yourself. Hence, it is better that you prepare in for the day in advance. Shopping is the crucial aspect of the preparation of an event like Halloween. The article talks about some of the important things that you need to buy way before the day actually arrives, in order to avoid any sort of haphazard in the last moment. Following is the checklist for the day. Make sure that you get them on time.

1. Halloween costume

It’s a very busy month for the retailer and before you realize the costumes will go out of stock. So, get your outfit for the party. You can get it tailored in time if it needs any alteration. Experiment with the costume and makeup. Make sure that you buy the dress for the kids as early as possible. Try them on and make necessary changes in case it is not comfortable. Same goes with the Halloween cat costume of your feline. Get a dress that fits in properly. This will give the kitty a very spooky look. Moreover, it is cozy and cute.

2. Candies

Get few packets of Halloween candies for your guests. This is the simplest way to share the spirit of the day. Buy some candies with the spooky faces on them. Pack them in small gift wrappers. It will surely bring a smile on the face of your guests. Go knocking on doors and distribute dry fruits covered with chocolates.

3. Decorative items

Decorating the house is the most time-consuming work of the day. So, get the things that you need to decorate the place now. Get the pumpkins and crave all the scary faces on it. Artificial spider along with spider web, skeletons and lightning are some of the things that you can’t afford to miss. For the lightning purpose, you can use the Jack-o-Lantern.

4. Movie and music

Buy the CD of spooky songs. You can even download them if you want. Get a collection of some scary music. This will set the mood of the day. Watch some Halloween movie with your friends. Nothing can be more fun than this. If possible get some scary book and read the Halloween stories.

5. Game essentials

If you have kids at home, then, plan some games for them and their friends. You can organize some drawing competition for them. Get sufficient papers and colors. Ask them to draw some scary characters on the paper. Or else you can even ask them to make a Halloween card. Keep a stock of materials that they will probably require.

Prepare well and get the things before they go out of stock. A bit of arrangement can make the day even more pleasurable for you and your family. Keep sufficient stock of paints that you will require for the decoration of the house.

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Prevent Late and Missing Bill Payments by Setting Bill Priority and Using Multiple Bank Accounts

Paying your bills on time is extremely important because the penalties can range from minor to very severe. This means that you might be a charged a late fee, have your service suspended or in worse cases your account could be closed and the related products or services could be completely removed. Keep money in multiple checking accounts in the same or different banks so that you do not have late or missing bill payments. Group invoices by importance so that critical bills like mortgages are kept separate from less important expenses such as recreation. This ensures that you have peace of mind when you are late in making payments or experience a shortage in cash.

Set Bill Payment Priority

You contribute monthly payments for multiple services and products that you need. However, some are more important than others. Give them a higher priority when you put aside money each month. Some examples of critical or high priority bills are your rent/mortgage, auto insurance, health insurance, electricity and internet service. In addition you might also wish to include money for home maintenance or repairs. On the other hand, non-critical services are those that you still need but can live without for a month or two or use less money for. Mark them as lower priority bills and assign the funds last. Some examples of general expenses are grocery, clothing and shoes, supplies for recreation, entertainment like concerts and music, and cable service. Remember to include online services that you use such as Netflix or Hulu Plus for entertainment, Pandora One for music and Amazon Prime for buying and shipping your purchases.

Use Multiple Checking Accounts

After you set you bill payment priority then you can decide to open another checking account at you bank or go to different bank. Assign one for the critical and the other for the low priority. Transfer money into the most important account first. Afterwards you would transfer the remaining funds to the low priority account. Make arrangements to pay bills from the bank or directly at each service provider.

Keep Track of Payments

Record the due date for each bill and check that you have enough funds to cover those that are more important. Check and update your budget after paying each bill. If you fall short on cash or experience a pay cut then you would still have made paid the essential bills first. Thus you would still have peace of mind in knowing that you managed your basic needs.

Avoiding late and missing bill payment is important in keeping your services connected so that you have peace of mind. Keep multiple checking accounts and assign one for high priority bills and the other for low priority bills so that you can manage your payments much easier. Transfer your salary to the most important account so that you pay for those services on time even if you experience a pay cut or shortfall due to unforeseen circumstances. Then you would pay the other bills with the remaining cash. Those are the ones that you can live without them for a few months or don’t mind experiencing a reduction in service for.

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Benefits of Leisure and Recreation

Although it may not seem so, in reality, Leisure and Recreation is the largest industry in the world. The benefits of leisure and recreation as an important part of life are easy to see. As an industry, it offers a variety of related employment and creates billions of dollars in revenue. Workers in parks and recreation, community agencies, sports agencies, youth development organizations, non-profit organizations, rehab and hospital agencies, the travel and entertainment industries all utilize and benefit from parks and recreation facilities world-wide. Additional benefits of leisure and recreation include environmental improvements from expanding green spaces, health benefits, and personal satisfaction benefits.

There are many civic benefits of leisure and recreation activities. Sports and youth activities offer leadership development for adults and children. Strong communities are built as parks become a hub of community life. Benefits extend to all ages, childhood, youth, young adults, families, and seniors. Both care for environment and wellness through green spaces are enhanced by beauty. This same beauty helps combat stress through the opportunity for mild exercise and mediation upon natural beauty. Wilderness experiences are available in some locations.

For personal benefits, leisure activities may include:

Hobbies

Exercise

Sports

Gardening

Crafts

Health

Coping

Family Bonding

Physical benefits include increased lung capacity from sports participation, plus reducing serum cholesterol and hypertension, increasing bone mass, strengthening the spine, reducing disease, increase in feelings of well being, reduction in stress hormones, improved attitudes and performances, and improved social skills. For childhood development, recreational areas assist in learning, can keep kids off the streets, and enhance their confidence. Studies confirm that physical activity can aid the learning process in children. Sports activities enhance large motor skill development and social skills. Adult leaders offer positive role models to children. Group sports are well known for promoting social support, networking, and developing friendships.

As if all the above is not enough to encourage support of leisure and recreational activities, consider the following additional benefits:

Stress management – the mild stress of leisure activity can reduce overall negative stress by contributing to relaxation.

Self esteem – especially in children and seniors, mild exercise, group activities, and hobbies and crafts will help create positive self images.

Positive lifestyle development – contributing to society, social interaction, development of leaders, being part of organized sports all encourage good lifetime activities.

Personal satisfaction – any creative outlet will enhance personal satisfaction. Being part of the leadership offers self satisfaction, and those who work in the recreational areas can feel the pride in keeping these areas vital and available to others.

Quality of life – fresh air, sunshine, social interaction, health benefits and self esteem all will improve quality of life.

Preventative health – regular exercise, physiological benefits from mild exercise, and stress reduction all are made easier by having leisure and recreational activities readily available.

Since the future seems to be headed for a shorter work week and more extra time, support of leisure and recreational outlets and locations would be prudent, and benefit all involved.

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