Tipping Tips – Your Excessive Tipping Causes Poor Service

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How To Save Money Eating Out At Restaurants

My friend Greg and I were eating at a restaurant the other day when he started complaining about the amount I tipped our server. He thought that it was excessive tipping and accused me of ruining service for the rest of us who would later come into contact with that server. He said it reinforced bad service. I wasn’t always excessively tipping servers at restaurants. It was quite the opposite in fact. My wife has changed the way that I tip servers at restaurants. I’ll say right up front that I’ve never worked in the foodservice industry. I don’t know anything about it other than being a customer. When I met my wife, I gave a standard 15% tip for average … Read more

The Simple Truth on How to Get the Lowest Interest Rate on a Car Loan

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Car Title

The interest rate you get on your car loan can have a significant impact on the amount you will pay over the life of your car. Even a change of 0ne percentage point can bring down your overall costs by thousands of dollars, depending on the terms of your loan and the price of the car. How do you get the lowest interest rate on a car loan? It is important that you do everything you can to bring down the interest rate on your car loan so that you can save money over the life of the loan. Here are a few tips for how to get the lowest interest rate on a car loan: How to Get the Lowest … Read more

Are Buying Extended Warranties Worth It or a Waste of Money

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Are Extended Warranties Worth The Cost?

Are extended warranties worth it? Retailers are pushing extended warranties with more fervor than ever, and consumers are buying. But in almost every case, they are a bad deal. Extended warranties are everywhere. It seems like every retailer is offering them now, even for purchases as small as a $30 toaster oven. And according to research done by Protect Your Bubble, a third-party gadget insurer, 40 percent of U.S. buyers are taking those stores up on the offers. Sales of extended warranties have seen between 15% and 20% annual growth over the past 3 years. And there’s a good reason for retailers to push them: Extended warranties are mostly just a high-margin upsell for the companies that provide them. And in almost … Read more

How to Run a Household Like a Business and Maintaining a Budget

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Running a Household Like A Business

When you assume the responsibility of running a household, you also must take an accounting of the costs it takes to make a house a home. In effect, how to run a household can be likened to running a business if you want your home life to be successful. That is why budgeting is so important in maintaining your home for you and your family. For example, just like a business, you should take an inventory of all those items you have on hand in your home for insurance and financial purposes. How to Run a Household Like a Business The Importance of Documents and Record Keeping Just like a business too, you should also keep an inventory and take an … Read more

Why I Am Considering Refinancing My Mortgage

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Why I Am Considering Refinancing My Mortgage

When I was in the bank the other day, the teller was telling me about the new rates on a 30 year fixed rate mortgage and how I could save by refinancing my current loan. So, it got me thinking about my mortgage. So, I thought that I would consider refinancing my mortgage. Here are a few things to consider when looking at refinancing and what I look for when refinancing my mortgage. With interest rates on the rise, lock in a low, fixed rate with Figure’s Home Equity Loan Plus today. Refinancing a Mortgage My Current Interest Rate When my wife and I bought our home in December 2008, we received a 30 year fixed rate mortgage from our … Read more