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4 ways to trick yourself into saving more money

first_img 9SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr by: Leslie TayneThink you’ve run out of ways to save? Think again. While it might not seem possible to squeeze any more savings out of your budget, you can find new ways to save by changing some of your money habits. But as we all know, old habits die hard. So to instead of struggling to change your spending patterns cold turkey, here are four easy ways to trick yourself into saving more money.1. Ignore Windfalls, Pay Raises & BonusesWhether it’s a $5 scratch-off or a big tax refund, whenever you come into contact with some unexpected dough, ignore it and put it away. It’s best to get into the mindset that unexpected money is best spent by planning for your future or paying off money owed. Before you know it, you’ll have that credit card bill or emergency fund finally taken care of!2. Try Cash-OnlySometimes it can be a little too tempting to go over budget when using a debit or credit card. Keeping yourself to a strictly cash-only lifestyle for a couple weeks is a great way to make sure you stay on budget. Just put your cards in a drawer or, if you don’t trust yourself to leave the cards in a drawer, freeze them in ice (yes, I am serious) so it will take a lot of work to use them. You should also look to remove your credit cards from any online accounts as well to keep yourself from splurging! This is especially important if you’re carrying a balance — which you are hopefully paying down. For extra motivation, you can see how your debt is affecting your credit scores by checking them, and keeping an eye on them as you pay off your balances. (You can get two of your credit scores for free on Credit.com, updated every 30 days.) continue reading »last_img read more

CUNA Payments Blog: Engage with marketplace lenders

first_imgFinancial institutions have bristled at the success of online “marketplace lenders” for some time.These firms have built high profiles and even higher valuations by encroaching on what has long been considered financial institutions’ turf: extending moderate-sized personal and small business loans.Yet again it appeared that banks and credit unions—in part due to being hamstrung by regulation—had been outflanked by Silicon Valley disruptors.Late last year, however, the narrative began to shift. Players like Lending Club, Kabbage, OnDeck, and Prosper had established their brands and a steady flow of loan demand.It was the other side of the equation that emerged as the “gotcha.”Lenders needed to package and resell these loans into the secondary market to free up capital to satisfy the next wave of borrowers. The capital markets suddenly grew wary of these placements for fear of default risk. continue reading » 7SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblrlast_img read more

SPI announces sale of Farley Speedway

first_imgBy Jerry MackeyFARLEY, Iowa – Keith Simmons, owner/operator of the Farley Speedway located on the west edge of Farley, Iowa, announced he has sold the popular 3/8-mile dirt track along with all the assets of Simmons Promotions.The new ownership group is headlined by Dubuque businessman Joel Callahan, owner of Calla­han Construction. Callahan is the majority investor of the new ownership group which also in­cludes Farley businessmen Jason Rauen and Roger Simon.Simmons owned and operated the Farley Speedway for 16 seasons bringing the track national recognition by providing outstanding stock car racing action that included a wide variety of Na­tional sanctions and many different types of race cars.Simmons has agreed to remain on as an advisor and will continue to oversee all track prepara­tion.“Selling the Farley Speedway was a very difficult decision for me to make but at the same time, I am very excited to see this group of owners come on board with a plan to keep racing alive and make several improvements to the Farley Speedway that I have had dreams about,” he said.The entire 2017 racing schedule has just been released and can be seen at the www.simmonspromotionsinc.com website. Details regarding major special events will be forthcom­ing in the coming weeks.last_img read more

N8.2bn Nigeria 2009 Broadcast Vans in Rot

first_imgOlawale Ajimotokan in AbujaThe huge investment of N8.2billion by federal government into upgrading the Outside Broadcast Vans for the FIFA U-17 World Cup in 2009 appears to have gone down the drain following the brazen cannibalisation of the component parts of the vans that have reduced them to monumental relics.The federal government headed by the Late Umar Yar’Adua approved the huge sum for UK-based company, Well Trade Services (WTS) in collaboration with Sony to upgrade six OB vans to Higher Definition format to enable the production and distribution of world-class live television signals from the eight designated centres in Nigeria to the rest of the world. The OB vans were used for the All Africa Games in Abuja in 2003 and were upgraded from Standard Definition to High Definition (HD) signals.The tournament was held in Lagos, Calabar, Kaduna, Ijebu-Ode, Abuja, Enugu, Bauchi and Kano from October 24 through November 15, 2009.But the alarming development is that 10 years after the successful hosting of the event, four of the mobile broadcast stations now stay lifeless at the packing space opposite the Nigeria Television Authority (NTA) office at the National Stadium, Abuja.After the hosting of the cadet World Cup which Switzerland won at first time of asking, the state of the art broadcast equipment was handed over to NTA as the national broadcasting station.Concerned citizens estimate the current market value of the brazenly vandalised broadcast components in each of the four OB vans at N2.5 billion.One of the vans is still in use and is permanently stationed at the Three Arms Zone, where it serves the National Assembly and the State House.It is not, however, clear in which part of the country the remaining one is deployed.THISDAY was reliably informed yesterday that each of the vans is fitted with HD facilities that can rarely been seen in any part of Africa, except South Africa that hosted the continent’s maiden and only FIFA World Cup in 2010.Some of the features of each van include 12 high speed television cameras, high capacity cables, control system technologies that allows slow motions, audio mixer, air conditioning system, switcher, router and servers that supported a variety of workflows among others. Some of the cannibalised parts of the broadcast equipment were installed in 2009 shortly before the hosting of the cadet World Cup.Share this:FacebookRedditTwitterPrintPinterestEmailWhatsAppSkypeLinkedInTumblrPocketTelegramlast_img read more