Biweekly Mortgage Payment Option: Pay off your Mortgage Fast
I was recently introduced to the concept of Biweekly Mortgage Payment, and am completely amazed with it. I am really surprised to see that biweekly mortgage payment plan can reduce the mortgage tenure so much.
Let's say you have $225, 000 mortgage at Rate of Interest of 6.5%. If the original tenure of mortgage is 30 years for monthly payment option, then just switching to biweekly payment option would reduce it to 24 Years! A reduction of complete six years. Isn't that amazing.
Biweekly Mortgage Payment option simply means that instead of making your payments monthly, you make your mortgage payments biweekly.
So, if you were paying $1000 monthly, then you would be paying $500 after every 2 weeks. Its as simple as that. This simple step to change your mortgage payment plan to Biweekly Payment option would help you in repaying your mortgage so fast.
Let's see why Biweekly Mortgage payment option is so advantageous:
1) You have to pay lesser interest, as you are making a new payment after every 2 weeks.
2) The main reason is that you actually manage to sneak in one extra installment each year by just switching to biweekly mortgage option.
For example, let's say you were paying $1000 monthly. Then, you paid $12000 for whole year. However, in case of biweekly option, you pay $500 every 2 weeks, so are able to pay $500*26 = $13000 per year. That's one whole extra installment in there
The best part is that you do not feel that you are paying that extra money as essentially it gets divided over 26 biweekly installments that you will be making.
Also, because you get your salary every 2 weeks, you are able to align your mortgage payment with your salary.
Here are a few calculators for Biweekly Mortgage Payment Calculation. Try these out, and see your savings.
What do you think of this payment option? Have you tried it? Share in comments.
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How Much Calcium Do We Actually Absorb?
The benefits from taking adequate doses of calcium are numerous, both for sedentary individuals and for athletes. Its bone formation properties as well as its effects on fat loss are well known today.
Taking a calcium pill of 500mg doesn’t mean that’s how much gets in your system. There is available calcium, but there is also something called “absorbable” calcium.
For example calcium carbonate and citrate are the two salts with the most absorbable calcium – 40% and 21% respectively.
The same holds true for most of the calcium containing foods: Milk and milk products have the highest levels of absorbable calcium followed by some dark leafy greens and calcium fortified foods.
There are some vegetables, which are well known for their high calcium content. However, they contain certain compounds, which bind to the calcium and render it not absorbable. Example: spinach – only 2% of its calcium reaches the blood stream.
Athletes, especially those involved in the sport of bodybuilding should be very considerate about these facts. The simple reason is the individuals, practicing this type of physical activity normally require higher levels of calcium due to their higher protein intake. Calcium is the mineral that the body uses to neutralize the protein.
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How to Save Money on Car Wash
That's a pretty big expense, so I decided to drastically reduce it. Here are some tips that I am going to follow:
1) Do one wash myself, one at the car wash: I have started this practice of doing every alternate car wash myself at home. So, it basically reduces the trips to car wash in half, and does the same to car wash expenses. Apart from saving money, it is fun as well. Try on a sunny day, and you will see how good it feels.
Related Article: 10 Tips to Reduce Car Expenses
2) Go to Self Service Car Wash: Even when I go to Car Wash, I will try to go to self service car washes. They provide everything - automated hoses, brushes etc. I just have to insert a few quarters, and do a quick car wash. Last time it just cost me $2 to completely clean my car at a self service car wash.
3) Try to get Car wash free with all auto repairs: Car Spa normally offers free car wash with oil change. So, I have started getting oil change done from there. It costs the same as shops charge for oil change, but they throw in a car wash also free. I went for getting state inspection of my car done today ( I am in Texas). I got that also done from Car Spa - again got a free car wash.
4) Park the car at right places: I have seen that the car gets more dirty if it is parked in the open, or under trees. So, I have started parking in covered parking wherever available, and also have started avoiding parking under the trees. That makes sure that car does not becomes dirty that often, and needs lesser cleaning.
5) Look out for Car Wash Coupons: Most of the car wash companies regularly send car wash coupons. This is especially true for new companies. I am always on look out for such coupons, and that saves a ton of money. Here are some quick links for online car wash coupons:
My guess is that all these tips will reduce my car wash expenses from $240 to under $75 every year. That's a lot of money to save. If you have some tips to share, do mention in comments.
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How to Save Money on Groceries: 10 Money Saving Tips
1) Shop in a Hurry
This might sound stupid, but is a very effective tip for saving money on groceries. Many researches have proved that you spend more if you spend more time in store. So, try to shop in a hurry. Just get your stuff, and get out. No checking out that tempting looking stuff.
2) Don't take a cart if you don't need one
This might again sound stupid, but researches have proved that we tend buy more stuff if we shop with a cart. The reason is that we get a psychological feel that there is space in the cart, and we can fill more stuff in it. So, avoid cart if you are planning to buy just a few items. Or take your canvas bags, or shopping basket. You won't buy a lot if you can't carry it - right? (Like this article? Click here to be notified via email when a similar article is published. )
3) Look Up and Down
Most of the shops keep the expensive stuff that they want to sell soon at eye level. So, those are the things that catch your attention first. They place cheaper things at bottom, or towards the top. So, make sure to look up and down to spot those hidden items. This turn of eye can save money on groceries :)
4) Check out Clearance Aisle
Most of the grocery stores have Clearance Aisles. They are normally towards the end of the stores. Most of the items in clearance aisles are Deli or Bakery items that would pass recommended sale date in a day or two. So, grocery stores put huge discounts on those. If you need something to consume within a day or two, make sure to check out those aisles.
5) Buy from Wholesale Stores
Try to do most of your Grocery shopping from wholesale stores, such as Costco and Sam's Club. These stores sell in bulk, and help you Save Money on Groceries.
Related Article: How to Save Money on Women’s Clothes
6) Buy in Sale
Try to buy Groceries while they are on sale. Sales are also good time to stock up groceries that have good shelf life. Of course, don't buy anything that will pass recommended sale date soon. The favorite ones I like to stock are: Cereals, Cookies, Canned foods.
7) Use Manufacturer Coupons
Make sure to cut out all those manufacturer coupons for groceries from your Sunday newspapers. File them properly so that you can find those when you need them. You can also check out manufacturer coupons for groceries from following websites:
Such coupons are always my first step towards saving money on groceries
8) Be Flexible about Brands
This tip itself can reduce your grocery shopping by 15-20%. Don't be fussy about your favorite brands. They might be the most expensive ones. Instead, check out other cheaper brands as well. Just because they are cheap does not means that they are not of good quality. Give them a fair chance. (Like this article? Click here to be notified via email when a similar article is published. )
9) Check Rates in Multiple Stores
Most of the times, prices of items can vary a lot among stores. So, its always better to check grocery prices at multiple stores to see which one has the cheapest stuff. Spending a little bit on gas can save a lot on groceries.
10) Don't buy stuff while waiting in line
Ever noticed how many times you have bought stuff (magazines, for instance) just while waiting in line. That is because those places are specially designed to encourage impulse buying. Don't fall for those. They ruin all the money savings tips for groceries.
All these tips will help you in saving money on groceries. Want to share some of your own tips? Mention in Comments Section. (Like this article? Click here to be notified via email when a similar article is published. )
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Why is this the Best Time to Buy a New Car
Contrary to the general perception, this is really the best time to buy a new car. Car prices are at an all time low, dealers are giving huge discounts, and financing can be secured at very low rates. If you ha
Everything follows the principle of demand and supply. Same is applicable in case of cars as well. Dealers have huge piles of unsold cars in their inventory. Apart from that, companies have a huge inventory of unsold cars, that dealers are not taking up. Both these things means this is a buyer's market. You can get the car that you wanted at the rates that you want, or even lower.
On top of this, dealers are also giving huge discounts to reduce their inventories. Some are giving in form of discount on MSRP, or some are throwing in some free accessories. Either way, you get to gain.
Related Article: Best Strategies to Buy New Cars at Lowest Prices
Obama has said that government will back all the warranties that are issued by American automakers. So, that takes out the worry of automakers going down.
Finance companies have become more cautious in providing loans for cars, but if you are eligible (good credit score and history), then they are willing to throw in a great deal.
All these factors make it one of the best time to buy a car. (Keep in mind, though, that your trade-in might not fetch good value, because all the above factors will now be working against you - the seller).
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Get a FREE Gillette Fusion Razor
Friends – I recently came across this fantastic offer. Gillette is giving 500 Gillette Fusion Razors Free every day till May 16, 2009.
Here are the offer conditions:
500 Gillette Fusion Razors are available each day for 31 days. Beginning at 12:00 noon ET each day starting on 4/16/09 and ending on 4/16/09, use the link below, and login with your email address and password.
If you are one of the first 500 people to register on that day, you will be eligible to receive a Free Gillette Fusion Razor.
I recommend to create an account before hand, so you do not have to waste time in registering for an account at that time. The whole quota of 500 razors expire in just a few minutes each day, so you will have to try to login at exactly 12:00 noon ET.
I tried logging exactly at that time, and was confirmed that I will get a Free Razor (yeyyyy!).
Check out the offer here. Best of Luck! Meanwhile, I will try for this offer again tomorrow, to see if I can get one more razor free :)
Let us know you experience by leaving comments.
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Free Online Backup 2GB: Mozy
I had recently written an article about Microsoft SkyDrive that offers 25 GB of Free Online storage space. However, that service cannot be effectively used for free online data backup because it does not have a desktop software that can automate the backup process.
The solution to this problem is Mozy . It offers 2GB of Free Online Backup space. Even though the Free online storage space is less than Microsoft SkyDrive, but still it is more than enough for normal home users.
The best part of Mozy is that it comes with automated software which is designed with moto of set-it-forget-it. Essentially, you just download Mozy software, and schedule the backup in that. Mozy
will automatically take free back up of data and free backup of files online, at the set schedule. You just install it once, and forget it.
(This article is a part of my series of articles on FREE Software. Check out other articles in the series here)
Mozy 
is Simple
Mozy offers business-level features at consumer-friendly prices.
Mozy is Automatic
With Mozy's "set-it-and-forget-it" design, you'll have more time to spend on other important matters.
Mozy is Secure
Enjoy peace of mind in knowing that your data is encrypted and stored in a safe, remote location.
Here are other cool features of Mozy :
- Open/locked file support: Mozy will back up your documents whether they're open or closed.
- 128-bit SSL encryption: The same technology used by banks secures your data during the backup process.
- 448-bit Blowfish encryption: Secures your files while in storage, providing peace of mind that your private data is safe from hackers.
- Automatic: Schedule the times to back up and MozyHome does the rest.
- New and changed file detection: MozyHome finds and saves the smallest changes.
- Backs up Outlook files: Disaster-proof email protection.
- Block-level incremental backup: After the initial backup, MozyHome only backs up files that have been added or changed, making subsequent backups lightning fast.
Try out Mozy . You are surely going to love it!
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What Exactly Is Sugar Alcohol?
We, bodybuilders, and in fact anybody, who understands the importance of proper nutrition for the health, often avoid foods containing sugar. Some of them are sweetened with non-caloric sweeteners, some of them with sugar alcohols. We know about the sweeteners, but what are the sugar alcohols?
Sugar Alcohols (also named polyols) are hydrogenated carbohydrates, whose structure resembles that of alcohols. That’s where their name comes from.
The most common sugar alcohols are sorbitol, mannitol, maltitol, erithritol and xylitol. They are almost as sweet as table sugar at half the calories. The reason is they are poorly absorbed in the intestines. That’s the main reason why in higher quantities (30gr and more) they can cause stomach discomfort, bloating and diarrhea. Exception is only the erithritol, which is absorbed in the intestines but is excreted unchanged.
Sugar alcohols are usually added to sugar free foods to mask the strong aftertaste of non-calorie sweeteners. If a food is sugar free but it’s sweetened with sugar alcohols, the sugar alcohols have to be listed in the nutrition facts label.
As a person who realizes the importance of moderating insulin levels, you should certainly avoid high glycemic carbohydrates as well as refined sugar.
If you have to use sweetener go with erithritol if the others cause you stomach discomfort. If you want to go absolutely calorie free go with the non-nutritive sweetener stevia.
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Are You Losing Fat Or You Are Losing Muscle?
You know what the difference is between weight loss and fat loss. The firs one means you’re losing weight – fat and muscle. The second one means you’re losing fat, but keeping your muscles. And the second option is the one you should be aiming at.
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