personal finances help

Welcome to Wise Bread's Best Money Tips Roundup! Today we found some great articles on personal finance tips for recent college grads, haggling like a pro to get what you want, and tips to build your savings account.

Top 5

7 Most Important Personal Finance Tips for Recent College Grads — If you are a recent grad, don't forget to start building an emergency fund. [Money Crashers]

Haggle Like a Pro to Get What You Want — To haggle successfully, consider talking to someone higher up. [Savvy Sugar]

5 Tips to Build Your Savings Account — Build your savings account by setting up an auto transfer. [Not Made of Money]

Handling Your Finances - How to Create Wealth — Create wealth by cutting expenses in your budget. [Green Panda Treehouse]

7 Steps to Raise Your Credit Score — Raise your credit score by automizing paying your bills. [Moola Days]

Other Essential Reading

Dinners Your Kindergarten Cook Can Help Prepare — Get your kindergartener involved with dinner by making pizza! [Parenting Squad]

Health Insurance and Downgrading Your Job — If you are thinking about downgrading your job, be sure to plan ahead for your health care needs. [The Simple Dollar]

Ways to Use up Eggs — Do you have eggs in your fridge that are going to go bad soon? Separate the egg yolks and whites and freeze them to use in baking recipes later. [Ultimate Money Blog]

Keep Glass from Fogging Up with Shaving Cream — To get rid of fog on glass, use shaving cream to clean it off! [Lifehacker]

4 Reasons to Avoid Payday Loans — Stay away from payday loans. They could negatively affect your credit score. [Financial Highway]

Then, you'll get reminders - via email or text message - that you have bills and renewals due. You'll be able to pay online and the service will keep an archive of your bills for you. Manilla is free and while the service says it isn't ad-supported per se, you will see offers and notifications (um, ads) from the companies and magazines to which you're subscribed.

The service is aimed at making paper bills more manageable for customers, but it also offers a benefit to the businesses involved as well as an alternative to paper bills. According to the U.S. Postal Service's Annual Report, businesses send about 48 million billing statements and account notices each year. That's a ot of paper, that's a lot of postage, and that's a lot of garbage.

Despite the costs (financial and environmental), many businesses have been slow to convert to paperless billing. Manilla hopes to incentivize the move to online billing by making a simple interface that's attractive to both customers and businesses.

Manilla isn't the only startup in this space. Doxo launched last year with its own promise of being your "digital filing cabinet."

Surface Encounters proudly guarantees client satisfaction and value installing granite assurance. “I’m usually skeptical heading with new organizations, but your employees has created me a believer!” - Steve, Indianapolis

Surface Encounters is known as a fast-growing surface encounters firm and, nevertheless they've kept speed with every one of the modern buyer referrals. “This company is just about the most inexpensive, reputable and pleasant corporations from the total state. I would highly recommend them to people.” - Mike R., South Bend

A great deal of get the job done goes into creating stunning countertops from nature. The process comprises laser measurement creative vein matching, precision diamond and water-jet cutting, edging and skilled set up. A person can't plainly contact in their purchase for the customized countertop and also have it in per day or two. Outstanding takes time.

Surface Encounters encourages persons to go to a showroom to study further about purely natural stone countertops. Other than the variety and fabrication practice, one other critical piece of purchaser treatment is making certain one particular is aware learn how to care for their granite countertop to help keep it hunting new for decades to come.

Granite is definitely a wonderful pure stone item which can be a preferred substance employed for countertops and floor tiles in kitchens and bathrooms. Granite has surpassed marble in reputation simply because is it much more long lasting and much simpler to treatment for. Granite is unmatched by synthetic items for its strength and durability, tolerance to temperature changes and resistance to stains and scratches.

Granite is usually a naturally shaped stone that could be quarried from deep with the earth, harvested, lower, polished, sealed and set up in homes to add elegance, elegance and design. Since this is a healthy merchandise, no two slabs are just alike. Granite is accessible in a great number of hues through the a variety of minerals which are identified in the rock. Because it comes from throughout the planet, totally different areas and environmental reasons make it exclusive.

Granite is mostly produced up of quartz crystal, however it also consists of several amounts of other metals such as feldspar, mica, copper and iron. Some granite may well incorporate bits of gold or silver. The quantity of each metal is dependent on the area it arrives from. All granite is formed into a complicated stone by warmth and strain. Rain adds other minerals because it is forming. It is attainable all over the planet, in just about every country, and every single region will provide a surface encounters unique variety of granite.

Surface Encounters state-of-the-art machinery makes certain the greatest superior completed product or service because they style and create a number of the greatest kitchens and bathrooms. Granite Countertops enrich the warmth and attractiveness of residences although improving their price and improving lifestyles.

Surface Encounters can be involved with employee morale; happy staff are more probably to lead to the good results of the home business. In addition to becoming a triumphant organisation and a person that is definitely outstanding to give good results for, Surface Encounters does their component to protect our planet.

Surface Encounters does what's right for their users, workers and therefore the setting. Surface Encounters utilizes state-of-the-art h2o recycling capabilities to recycle up to 43,000 gallons of h2o each day. Additionally, 100 percent on the scrap created in establishing sophisticated kitchens and gorgeous baths is re-used as aggregate in road constructing, surface preparations and concrete.

The Columbus, Ohio Grand Opening of Surface Encounters qualities an artwork gallery showroom of Granite, Marble, Quartz and Engineered Stone counter tops. Save Supervisor, Scott Donnelly unlocked the doors with the showroom at 4717 Roberts Street, just west for the I-270 Beltway. The Surface Encounters production course of action employs precision, automated engineering all the way through the fabrication on the customer's personalized counter high, this kind of as: a laser measuring alignment that plans the diamond-tipped sculpturing blades. Surface Encounters' practice consists of computer-driven software system that perpetuates the stone's normal veins. Each and every Surface Encounter keep has not less than one particular registered, interior designer to help you in constructing the finished challenge you might be wanting for. The craftsmanship continues with the

House owners are deciding to remodel instead than sell their real estate in today’s market
Granite countertops are becoming a prime preference between Wixom people for kitchen remodeling jobs. Kitchen remodeling is often the initial undertaking tackled with families investing 3,000 hrs or more annually within their kitchen. Granite countertops give an natural environment that enhances the superior time put in with friends and family and acquaintances. Granite countertops very last a lifetime and increase the high-quality of real estate.

Surface Encounters Wixom save supervisor, Sal Dellacasa, says there are many motives buyers are deciding on granite for their countertop must have. “Granite countertops add elegance and elegance to a kitchen. Granite is accessible in a number of vibrant shades and prosperous textures and its strength and sturdiness is unmatched by every other all-natural stone or synthetic countertop material.”

Surface Encounters’ clientele delight in professional services and also a pleasant, beneficial employees to information them with the kitchen remodeling operation. Several of Surface Encounters new shoppers are referred to them by earlier prospects.
"This enterprise is among the most economical, reliable, and friendly businesses from the entire state. I would endorse them to any one." Mike R. Clinton Twp., MI

"The organisation has usually been there to assist me in whatever way feasible. Thank you so much!" David V. Lapeer, MI


Surface Encounters Macomb is the house of half-off granite for kitchen and bathroom countertops. Granite countertops by Surface Encounters have promptly turn out to be the top rated choice for Macomb residents who're remodeling their kitchens. Kitchen remodeling normally requires priority with families paying 3,000 hrs or more annually in their kitchen. Granite countertops furnish an surroundings that enhances the high quality time put in with spouse and children and good friends and increase the top notch of households.

Surface Encounters Macomb retailer supervisor, Sal Dellacasa, says there are lots of causes customers are picking out granite for his or her countertop needs. “Granite countertops add elegance and elegance to a kitchen. Granite is offered inside a number of vibrant shades and loaded textures and its strength and durability is unmatched by every other surface encounters healthy stone or artificial countertop substance.”

Surface Encounters’ users love expert services and also a friendly, useful workers to manual them with the kitchen remodeling technique. Lots of of Surface Encounters new prospects are referred to them by preceding shoppers.