Love to garden but short on money? Here’s 10 money saving ideas.

A great perk of organic gardening is finding different ways to achieve the same or improved result.

Many items that are normally binned can be of great use to the outdoor enthusiast. Here are ten ideas that won’t cost you anything.

1. Food leftovers: All leftover food is to be composted. Composting is becoming quite a thing to do, and special composting bins can be bought or even made quite easily. There are many different stories of what to do and each person will find the way that suits them. Keeping the temperature quite warm is the key to success. If you need quick results then just keep chucking it on the top and then just pull some out of the bottom of the heap, then sieve it and the compost will be ready to use for seeds and small plants.

2. Hedge cuttings: Instead of ordinary composting or burning it on the bonfire, see if you can get a hold of an electric garden muncher.

This takes branches of up to one inch thick and you just put them into a hole in the machine and it munches it up into little chips. These are great for keeping the moisture in the soil, so just spread them around the base of shrubs and fruit trees to control the temperature of the ground.

3. Decorating trays: Keep all roller paint trays and anything similar to use as seed trays. Get a pen and make some holes in the bottom of the tray for drainage. Add a little vermiculite or small pieces of gravel and fill with seed compost.

4. Thrown-out carpets, old cardboard boxes, and other bits and bobs can be put over the vegetable plot in Autumn to prevent those early spring weeds from coming up. Spread over the whole area and weigh down with rocks, lift off on a sunny spring day a few days before you want to work on it.

5. Recycle glass jars: One’s with sealable lids are the best for storing seeds, peas and beans until next year. After cleaning the jars, make sure they are totally dry by popping them into a warm oven before storing your seeds. Try and collect dark coloured jars, or wrap paper around clear jars to prevent light damage to the seeds.

6. Yoghurt cartons: In fact all dessert pots are great for re-potting seedlings. Again, make a hole in the bottom, put a little fine gravel or vermiculite and then fill with compost or soil.

7. Metal coat hangers: Make little cloches with old wire coat hangers. Make them into a square and then put the hook in the soil push down until the curve rests upon the top of the soil. Put another one a small distance away to make the two ends of the cloche. Then chuck over a sheet of plastic and weigh down the corners of it with rocks.

8. Lolly sticks: These make great row tags in your greenhouse rows or seed trays. They don’t last indefinitely but they are really good for writing the names of seeds on.

9. Aluminium bottle stops: Keep these from milk or juice bottles and coloured foil around drinks bottles. String together with cotton to make a bird scarer and put on fruit bushes before the birds start munching on the fruit.

10. Transparent plastic: These can be placed over a plant in cold weather to protect from frost damage.

For more info go to:Gardening Articles

Life Insurance – Money Saving Top Tips

More and more people are buying life insurance online and the numbers seem to be doubling every two years. The reasons are clear. Prices are lower on the Internet and life insurance is fundamentally a simple insurance product.

Despite the underlying simplicity of life insurance, most web sites channel their online clients through a telephone based help and advice service manned by experienced personnel. They represent your safety net so if a little technical knowledge is called for, help is at hand.

But it’s always a good idea to have a few Top Tips in your back pocket when you’re shopping online for life insurance. They’ll help you ask the right questions and find the best policy.

1. Always have your Life Insurance policy “Written in Trust”.

This means that in the event of a claim, the money goes directly and immediately to the person(s) you nominate when you first take the policy out. It also avoids all possibility of your estate having to pay Inheritance Tax on the proceeds of your policy and that could represent a 40% tax saving !

All you have to do is tell the online brokerage organising your policy that you want your policy “Written in Trust” and the names of the people who the life insurance company pay in the event of a claim. They will then sort it all out for you. The extra good news is that this service is invariably free of charge. So it’s a win win situation and there aren’t many of those around these days !

2. In the early years a Reviewable Life Insurance Policy will be cheaper but a Guaranteed Policy will work out a better buy in the longer term.

With a “Guaranteed Policy” the insurance company guarantees never to increase your policy’s premium.

With a “Reviewable Policy” you agree that your insurance company can review the cost of your policy at regular intervals. But don’t be kidded – in our experience a “review” is just another word for a price increase. After all, who’s ever heard of an insurance company passing up a chance to charge you more! The review intervals are usually between 2 to 5 years but this does vary between insurance companies. You will find the details of the review intervals on the documents sent to you before you accept the insurance – these are called The Key Features Documents.

So, comparing otherwise like for like policies, in the early years the premiums for a “Reviewable Policy” will undoubtedly be lower than the premiums for a “Guaranteed Policy”. Thereafter, the premiums for a Reviewable Policy increase eventually catching up with and overtaking, the premium for a “Guaranteed Policy”.

In our experience, you can expect the monthly premiums for a Reviewable Policy to exceed those of a Guaranteed policy in about 7 to 10 years and then within the following 10 years, more than double again. If your budget is currently tight then by all means choose a Reviewable Policy – after all your salary may increase in coming years and ease the strain. On the other hand, if the premiums for a Guaranteed Policy are affordable, we think they represent your best buy.

A footnote. Many insurance companies have stopped offering “Guaranteed” rates for standalone critical illness insurance policies. This because they have experienced much higher claim rates than they initially expected. However, you may still find a Guaranteed life insurance policy that also provides critical illness cover. As we have explained, “Guaranteed” rates are especially good value and if you can get a quote for a Guaranteed life policy that includes critical illness cover, you may have a real bargain.

3. Thinking about a Joint Life Insurance Policy?

A Joint Life Insurance policy is usually written on a first death basis. This means that the policy will pay out on the death of the first policyholder, subject to the policy being in force at the time. This leaves the second person uninsured and older. Older people can struggle to get life insurance at an affordable premium, so rather than a Joint Policy consider taking out separate policies now. Overall it will work out a little dearer – but you get twice the cover and double the peace of mind.

4. Taking out a Life Insurance Policy? Now would be an ideal time to include Critical Illness cover.

Are you likely to need Critical Illness Insurance in the future? Yes? Then consider adding it now to the life insurance policy you’re arranging. Why? There are three reasons.

Firstly, a Life Insurance policy combined with Critical Illness cover will work out significantly cheaper than buying two separate policies. Secondly, as we have already explained in the footnote to Tip 2, you may be able to buy a combined Life and Critical Illness policy with a guaranteed premium. That could be a real bargain. Finally, premiums for critical illness cover increase rapidly as you get older – so the sooner you take it out, the cheaper it will be.

5. Don’t confuse Terminal Illness cover with Critical Illness cover.

There’s world of difference between Terminal Illness and Critical Illness cover so it’s important to understand the difference.

Terminal Illness cover pays out the insured lump sum if a Medical Doctor diagnoses you with an illness from which the Doctor expects you to die within 12 months. Most good life policies automatically include Terminal Illness cover at no extra cost. It’s basically an early, and welcome policy payout.

A Critical Illness policy pays out the insured lump sum if you are diagnosed with one of a wide range chronic illness and there is no life expectancy criteria. Indeed, with many of the insured illnesses you could expect to survive for many years. For example: certain cancers, heart disease, stroke, multiple sclerosis, loss of speech, sight or hearing, onset of Parkinsons or Alzheimers disease, third degree burns etc. Say you were an engineer aged 40 and you lost your sight. A Critical Illness policy would pay out immediately and that money could well be vital in helping you and your family through many difficult financial years ahead. If you just had Terminal Illness cover there’d be no chance of a payout.

So as you can see, Critical Illness cover is far more comprehensive than simple Terminal Illness cover and for that reason critical illness cover always costs you extra.

Home Buying – 3 Money Saving Secrets

Home buying is about finding the right house, and this includes getting the right price. There are five basic ways to buy a home for less. Here are three of them.

Home Buying Secret – Buy In Inexpensive Towns

Yes, there are still inexpensive towns that you might actually want to live in. In fact, there are still towns in this country where you can see a good movie, put the kids in a good school, go shopping, enjoy nearby natural beauty, and buy homes for under fifty thousand dollars. My wife and I bought a beautiful little home with hardwood floors, a full carpeted basement, and a garage, in a pretty mountain town, for $17,500, in 2002. You can still get homes for under $35,000 there.

What you can’t find easily there, is a good job. These towns with the cheapest homes usually have a bad job situation. They are great places to retire to, or to move to if you have a business or profession that isn’t location-dependent. Writers and internet entrepreneurs are beginning to discover them.

This may not work for you, of course. If you already have determined where you will be living, or if you need a town with high-paying jobs, try the following ways to save money.

Home Buying Secret – Buy Inexpensive Houses

One way to save when buying a home is to find a less expensive alternative that still fits your needs. This can mean buying in the inexpensive parts of town, or buying the inexpensive types of homes. Don’t set your mind on one type of home or one neighborhood before you know what all the alternatives are.

This isn’t about buying a cheap dump to save money, or buying in a dangerous part of town. It is more about a philosophy of defining your true needs so you can find the least expensive way to meet them. You may be surprised at what is available for less.

Home Buying Secret – Negotiate A Lower Price

No matter what you buy, you can save a lot if you know a few basic negotiating techniques. You’ll find easy-to-learn techniques in any good book on negotiating. Is it worth a few minutes reading and an hour or two of practice to save thousands of dollars?

There are simple negotiating techniques that are used by the masters of negotiation. They are used in all areas of business and real estate. You don’t need to become a master, though, to knock a couple thousand off the price of that next house. In fact, a little knowledge goes a long way in home buying.

Great Money Saving Tips

Everyone wants to save money, but no one wants to change his or her lifestyle to do so. Many people think that the only way to save is to go without; Give up eating out at restaurants, stop going to the movies, stop shopping, etc. This is not the case! It is very simple to still enjoy going out, as well as save money. You just have to find ways to spend less while going out. Here are some examples:

When going to a restaurant:

· Always use coupons! I can’t stress that enough. There are many ways to find them. The Sunday paper usually has coupons for a few restaurants. Many restaurants send out coupons in the mail hoping to get you to visit them. The Entertainment Book has coupons for many restaurants. The restaurant’s own website might have a coupon that you can print out and bring in. Sometimes you will find coupons in their take-out menu. You will be able to save a few dollars just for taking a few seconds to look for a coupon.

· Share a meal. If you’re going out to dinner, many times you can get away with ordering one main course and an appetizer or salad and sharing them with your partner since the portions are so large. By splitting them, you will save a lot more then if you had each gotten your own meal, plus you will get more of a selection since you’ll get to taste both an appetizer and an entrée.

When wanting to see a movie:

· If you want to go to the movies, consider going during the day, or in the early evening. These are all considered matinee showings, and you will usually pay about half of the price you would pay at night! It doesn’t sound like that big of a savings, but if you go to the movies just once a month, you can save $54 a year per person. You’ll save even more if you go more often!

· If you want to save even more money, you can rent the movie once it goes to DVD. Many websites will allow you to buy packs of 10 DVD rentals, and you will end up saving anywhere from $0.50-$1.50 per rental! This can really add up. If you rent one movie per week, you can save up to $78 a year! Also keep an eye out for coupons that allow you to rent one and get the second free.

There are many other simple things you can do to save money when going out to enjoy different forms of entertainment. For other tips like the ones you just read, see the website below.

Five Money-Saving Travel Tips for Small Businesses

Saving money is a priority for any business, especially a small business.

Small businesses often need every break and discount they can get, and traveling can be one of the most costly areas for small businesses. Unfortunately, many of the best travel advantages only go to big businesses.

To help your business compete, here are a few tips to make your traveling expenses a little more palatable.

* Search for cheap airfares. Internet search engines provide a great resource for cheap fares. Be sure to get on these sites’ e-mail lists so you stay abreast of specials.

* Avoid alcohol. Drinking alcohol at meals can boost your bill. Stay away from adult beverages and you will be much happier when the check arrives.

* Stay in and watch a movie. By simply staying in your room at night and not going to bars or nightclubs, you can save yourself a lot of cash.

* Use free time for free attractions. Instead of heading to the golf course, go to a museum. Free attractions can be enlightening and easy on the wallet.

* Look for a deal on your rental car. You may want to join a discount program for car rental.

Car rental discount programs for business have traditionally only been offered to large businesses. But now, Thrifty’s SmartBiz program is breaking new ground as the first car rental discount program designed specifically for small businesses.

With a SmartBiz account, you’ll get low business rates with no minimum financial commitment. A free SmartBiz account also gets you unlimited miles, free additional drivers, free enrollment, no fees, no dues and no contracts. The account offers one free day of car rental after every 16 rental days with no blackout dates.

Eleven money saving tips that will extend the life of your refrigerator/freezer and lower the cost of energy in Atlanta.

To reduce the need of repairs, use the following preventative measures. Proper maintenance and care is essential in keeping your refrigerator and freezer running efficiently. Improper care will cause your unit to overwork by using more electricity to keep you clothes clean than if properly maintained. By following these tips, you can prolong the life of your refrigerator/freezer and avoid many costly repairs.

Eleven money saving tips that will extend the life of your refrigerator/freezer and lower the cost of energy in Atlanta.

1. Always ship refrigerators upright. Placing the refrigerator on the side may cause a Freon leak that will prevent cooling. Placing refrigerator on its back will damage the condenser coils and cause the compressor to fail because if the unit is restarted before allowing the oil enough time to drain out of the lines and compressor back into the oil chamber.

2. Locate refrigerators away from heat sources like your range, a radiator, or a sunny window. To prevent overheating and system failure, do not locate the refrigerator near anything that can restrict the airflow to the motor, coils and compressor. Also, do not place refrigerators on top of carpeting because most condensers are located under the refrigerator and carpeting retains heat and restrict air flow.

3. To avoid burning out the compressor, always plug the refrigerator directly into the wall. If you absolutely need to run an extension chord, make sure a heavy duty, 3-pronged extensions cord. If unsure, consult the manufacturer specifications in the user guide.

4. Never run frost-free refrigerators with freezer compartments in unheated areas with air temperature below 60 degrees. When the air temperature goes below 60 F, the compressor runs less, keeping temperatures in the refrigerator compartment cold enough for fresh food but not cold enough in the freezer. At air temperatures below 40 F, the compressor stops running, so the freezer compartment rises to air temperature and food thaws and spoils. Also below 32 F, water melted during the automatic defrost cycle may freeze again and block air passages.

5. When leaving for an extended time like a vacation or other long trip discard perishable food, turn off the ice maker and leave the refrigerator on.

6. Do not over fill the refrigerator because cold air can’t circulate freely to regulate the temperature food.

7. To prevent odors and food quality; cover or wrap all exposed foods. Clean up spills and remove spoiled food immediately

8. Clean the refrigerator/freezer regularly by taking out all food and removable interior parts. Wash with a mild house hold detergent or baking soda and rinse with warm water. Rinse and wipe dry. Take out removable glass shelves and plastic and repeat the procedure. Be careful not put cold glass or plastic in hot water; they may crack. Clean the door gasket with detergent solution; rinse and dry. Do not use abrasives.

9. Especially in warmer climates like Atlanta and its long hot summers, it is recommended to clean condenser coils twice a year by gently brushing off the buildup that may cause overheating.

10. Regularly clean the seals in order to maintain proper temperature control and system efficiency. Atlanta, Georgia has high humidity, to prevent mold growth, clean the seals monthly with warm water and a mild detergent

11. Sweep or vacuum dust and other debris under and around your refrigerator to promote good airflow and temperature.

By following these tips, you can prolong the life of unit and avoid many costly repairs. Nonetheless, there are times when a repair is needed; in North Georgia contact Atlanta Refrigerator Repair. Atlanta Refrigerator Repair can fix most brands and models of refrigerators and freezer including Kenmore, Whirlpool, General Electric, Amana, Maytag, Jenn-Air, Insinkerator, Frigidaire, Sub Zero, Kitchen Aide, Magic Chef, and Scottsman. They repair most refrigerator problems including poor cooling, leaks, loud noises and icemakers.

Attempting to repair a refrigerator or freezer without proper training and safety standards is dangerous. Refrigerators and freezers should only be repaired by skilled professionals who have the knowledge and experience to safely bring them out of disrepair. Repairs performed by unqualified people risk serious injury or even death. A relatively small outlet can easily carry 150 times the current needed to kill a person.

Atlanta Refrigerator Repair can be reached at (678)-391-9243 or for fast, reliable professional service. They service most of Atlanta and North Georgia including Fulton, Cobb, Dekalb, Gwinnett and Cherokee Counties. Some of the municipalities serviced include Alpharetta, Roswell, Marietta, Decatur, College Park and Duluth.

Proper maintenance and care is essential in keeping your refrigerator and freezer running efficiently improper care will cause your unit to overwork By following these tips, you can prolong the life of your refrigerator/freezer and avoid many costly repairs.

By Manuel Enrique Lopez “QuiQue” is Chief Marketing Officer Home Partners Associates in Atlanta.

Eleven Money-Saving Auto Insurance Tips for Senior Drivers

Following a few simple tips and taking these measures will ensure that you are getting the lowest rates possible on your auto insurance policy.

1. Avoid more Accidents, Pay Close Attention at Intersections. Auto accidents involving seniors often occur at intersections. Make sure to look ahead if you plan to quickly change lanes after an intersection. Pay attention to protected left turn lanes with their own arrows, and always keep your tires pointed straight ahead when stopped, so that a rear-end accident doesn’t push you into oncoming traffic.

2. Follow the flow of traffic, Drive at the at or near the speed limit. Driving too slowly can be just as dangerous as speeding, especially when entering or exiting interstates or freeways. It can also trigger dangerous “road rage” in less patient drivers. You don’t have to be Mario Andretti, but keeping to the right and following the flow of traffic is the safest bet.

3. Many violations include failure to yield right-of-way, improper turning or incorrect lane changes, so keep current on the traffic laws relating to new traffic designs.

4. Sit high enough in your seat so that you can see at least 10 feet in front of your car, advises the National Highway Traffic Safety Administration. If your car seat does not adjust to allow this, add a cushion. This will make it easier to see pedestrians and bike riders, and reduce problems from oncoming headlight glare at night.

5. Do not wear sunglasses or tinted glasses when driving at night. For many older drivers, night vision is reduced, so safety dictates not driving at twilight or after dark.

6. Make sure you learn how to operate a New Car. Things like Anti-lock brakes, for example operate differently in slippery situations. If you have never driven a car with anti-lock brakes, sure to get training on proper use.

7. Senior drivers can refresh their skills and knowledge — and get a discount on auto insurance in many states — by taking a refresher driving course, such as the eight-hour “55 Alive” course offered by AARP. More than two-thirds of states mandate auto insurance policy discounts for such courses, and many insurance companies offer the discounts voluntarily.

8. Look for cars with rear-view mirrors that automatically dim and filter out headlight glare.

9. Air bag technology has become more advanced, with sensors that deploy air bags based on the weight of the occupant, reducing air-bag-related injuries. Some new cars also have side air bags in the seats or door frame that offer better protection.

10. Consider fit and comfort in your new car. Seat belts that comfortably fit over your shoulder and low on your lap will keep you safer. Automatic transmission, power steering and power brakes require less physical effort.

11. Last but definitely not least, Check to see which companies offer specific ‘Senior Discounts’ While shopping around for the best auto insurance rates is important, which insurance company you choose might depend on how they treat senior drivers. You’ll get their best rates if you’re healthy and drive a safe, modern vehicle.

Electronic Logistics – The Money Saving Solutions

The concept of conventional logistics covers all activities relating to the procurement, transport, transhipment and storage of goods. Logistics as generally understood is concerned particularly with material flow (raw materials, interim and final products), but also involves providing companies with services and information.

Nowadays the development of electronic information and communication technologies affects all spheres of life. Naturally, it influences significantly economic life, including logistics. As a result, nowadays it is possible to speak about electronic logistics as extremely perspective field for further development.

On researching the problem of electronic logistics, it is primarily necessary to dwell upon the methods that are traditionally used in the related researches. Basically, it is possible to use phone inquiry, face-to-face interviews with companies implementing electronic logistics in their business. Also it is possible to interview management consultants and IT suppliers.

Obviously, nowadays electronic information and communication technologies are widely used in the field of logistics. As a rule, it is widely used in buying and selling transactions, as well as material follow transactions. It is necessary to point out that logistics services providers use electronic logistics wider than companies operating in the field of manufacturing and trade.

In the current a situation, the advantages of electronic logistics are evident since it creates new operating models that provides a company with a competitive advantage compared to the companies using conventional logistics. It also permits to develop efficient management of larger entities and correct information in constantly changing market situation.

Nonetheless, it is necessary to emphasize that electronic logistics is a relatively new field and it makes its first steps in the contemporary business. In such a situation, certain obstacles and challenges, the companies implementing electronic logistics face, are quite natural. Among these obstacles and challenges may be singled out the following: scarce financial resources for investments, lack of capabilities of network parties, lack of standards, challenges in integrating inter-company information systems.

However, electronic logistics is still quite popular due to the perspective of business process re-engineering skills, since it provides the possibility to use technologies to support business processes.

Thus, electronic logistics is a very perspective field that needs further research in order to provide better opportunities to its proper implementing and wide use.

Commercial Patio Furniture-Money Saving Ideas for Resort Owners

There are many ways that resort and hotel owners can save money when furnishing their property. Furniture is essential for any resort. Owners want to purchase furniture that reflects their resort and provides comfort and confidence in the resort. Purchasing quality commercial patio furniture does not have to be expensive. There are many ways to stick to a budget get everything you want for you and your guests.

Buy in bulk. Buying commercial patio furniture in bulk is a great way to save money and receive discounts. Most commercial patio furniture sellers offer great discounts for the more patio furniture you buy.

Different types of commercial patio furniture are available for hotels on resort. The type purchased can depend on many factors. Owners typically want to purchase furniture that is low maintenance and elegant as well. There are several types of commercial patio furniture that meet these criteria. Aluminum strap patio furniture and aluminum sling patio furniture are two great choices that will fit any budget and are extremely low maintenance. They are also very pleasing to the eye.

Resin patio furniture is another great, inexpensive, and low maintenance choice for resort owners. Grosfillex resin patio furniture is stain, scratch, burn, and fade resistant. It is easily washed with just soap and water. When purchasing Grosfillex patio furniture, it is important to be sure it is commercial grade, and not residential.

When purchasing commercial patio furniture, it is important to order the right amount. Order enough so there is furniture for all outdoor setting, plus a few more for seating extra guests or for damage. Do not order too much furniture just to receive a discount. Storing lots of extra furniture can be a burden for resorts with little extra space.

Purchasing resort furniture is an important task that should be carefully planed and executed. Planning will save resort owners lots of time, money, and headache in the long run. It will also provide the best patio furniture for the money, and for the guest’s enjoyment during their stay.

Ceiling Fans – A Money Saving Way To Cool Your Home

Ceiling fans first originated in hot, tropical countries with somewhat poor economies. While more wealthy countries have removed ceiling fans with the advent of air conditioning, the ceiling fan of yesteryear is making an important comeback. This is no doubt due to the continuing escalating cost of utilities and the expense of maintaining a full house air conditioning system. People are finally understanding that comfort doesn’t need to mean cold and in the process they’re able to save significantly on the monthly electric bills. How much savings of course depends on local utility cost and the amount of time an air conditioning system is in operation. Typically though, a 2-3 dollar per DAY savings is not unreasonable if a household can use ceiling fans a major part of the day instead of running the air conditioning system.

Although ceiling fans were in widespread use in the early 1900′s, they gave way to the air conditioning systems of today. A ceiling fan however is much more than an air movement machine. They’re beautiful and can be ordered to perfectly fit into any decor or room of your home. Ceiling fans have a central motor with three to five blades attached. this unit is then mounted to the ceiling. Depending on the height of the ceiling, the unit can be close mounted, with the motor almost touching the ceiling or on a matching decorator bar to allow the unit to hang down into the room a little more if the ceiling height is greater than the typical 8 feet. The motor drives the blades of the ceiling fans which move the air around. Air movement naturally cools people and makes them comfortable without resorting to the brute force of removing moisture and cooling through a compressor air conditioning unit.

Many people wrongly assume that a ceiling fan is only good in the summer. Actually most fans built today have a reverse switch installed. This allows the fan to either pull air from the floor area or push air from the ceiling. So in summer, you would want air movement from low to high but in winter, with hot air rising, you would naturally want the warmer air at the ceiling to be pushed down to warm the whole room. Ceiling fans also are a great to use anywhere there’s people or living spaces including bedrooms, living and family rooms and even out on the backyard patio or deck.

So in the end, a ceiling fan can be a great way to add a nice decorating touch to your home while saving big dollars on that monthly electric bill. It’s not unusual to save the price of the ceiling fan in the first month, just on the electric bill alone. With your home more open, natural ventilation will make it more pleasant and enjoyable both inside and out.