Is Energy can be saved by turning off the appliances

Do you know that turning off appliances alone will not help in saving power? The power consumed when the appliances are not in use may be negligible but over the long haul it adds up. The DVD player, fax machine, iron box, microwave and even cell phone chargers which are plugged in but not used may also consume power. There is a report saying at least 5% to 10 % of residential electricity use can be attributed to standby power.

Start saving power! Save money on utility bills! Don’t forget to remove the plugs.

Family Saving Program is the leading U.S. provider of consumer-printed coupon marketing and technology solutions

Family Saving Program is the leading U.S. provider of consumer-printed coupon marketing and technology solutions.Family Saving Program's core couponing, customer acquisition, and e-mail marketing services provide clients with creation, distribution, tracking, and reporting of consumer-printed coupons that can be used for traditional in-store redemption. A network of hundreds of consumer websites, consumer packaged good manufacturers, and pharmaceutical suppliers distribute offers via Family Saving Program's distribution network and Digital FSI platform. Independent and privately held, Family Saving Program represents the most flexible, effective, fraud-resistant, print-from-the-web coupon solution available in the marketplace, and the most popular alternative to traditional couponing.


To get coupons printed visit this site
http://groceryreliefprogram.com/about.php

New tool to teach children about money

We all wish we had learnt the basics of financial management early in our life. Now there are many interesting services, websites which are trying to do that. I came across one such web service called "FamZoo"(http://famzoo.com/). Overall it looks interesting, but it would have been much better if FamZoo don't charge $6 for this sevice.

Recently NYTIMES wrote an article about it. here's the excert of the article:
"FamZoo is one of a growing number of resources aimed at teaching children the value of money and work, especially children in affluent households. Others include ThreeJars.com and Zefty.com.
FamZoo is essentially a virtual bank. At the site, parents — the “bank managers” — can set up accounts for each of their children and track the money the children receive and how they spend it.
The site is designed to be flexible so parents can adapt it to fit their own financial values. “You own the bank as a parent and you make the rules,” Mr. Dwight said. “I wanted to give parents a bunch of building blocks so they can reflect their values.”
Parents can create any number of accounts in three categories: saving, charitable giving and general spending. Parents can then set up automatic allowance deposits and have different percentages automatically allocated to the various accounts.
Parents can also create automatic debits and loans of sorts where a certain percentage of money from allowances or other deposits is automatically allocated to accounts for, say, paying off the costs of a computer or covering an online game subscription. This can help teach children the value of how much something costs, Mr. Dwight said. Meanwhile, to teach their children about compounding interest, parents can also set up interest on the accounts.
In addition, parents can create checklists of chores or other requirements for their children, which, when completed, result in account deposits. Mr. Dwight offers more details about how the site works in this video.
The idea is that parents can make entries while their children are watching and thus, teach their children about money by showing rather than by telling.
The site has a subscription revenue model. After a two-month free trial, it costs $5.99 a month per family to join. Since January, Mr. Dwight said nearly 500 families have signed up.
Currently, only parents can make entries into the accounts. But Mr. Dwight said parents will eventually be able to allow their children to make entries, probably by the end of the year. And once children have real bank accounts, Mr. Dwight said the site can still be used to track their overall spending.
Why the name? He said it describes his family life. “Once you start having kids, your life becomes very much zoolike,” he said.
What are your favorite tools and resources to teach children about money?" -NYTIMES
http://bucks.blogs.nytimes.com/2010/07/05/a-new-tool-to-teach-children-about-money/?ref=your-money

ING Direct's Independence Day Promotions - July 1st and 2nd Only

The independence promotion have been started by ING direct ,scheduledto last through July 2,2010.The electric orange bonus is $76 but not as good as last years Black Friday Promo.The present promo requires 7 purchases using EO debit card or through ING Directs Person2Person Payments,and the debit card purchases can be either signature or PIN based.

one can make another easy $76 through ING Direct's ShareBuilder promo. The bonus requires that at least one transaction, that will cost at least $4. As a brokerage account, it's not FDIC insured. One thing to note is that in addition to stocks, we can also buy conservative ETFs and mutual funds.The EO promo is also open to those who only have an ING Direct Orange Savings Account. if we don't have either the EO or the savings account, we can open the savings account through a refer-a-friend bonus and then apply for the EO promo. The extra requirement is that we must fund the savings account with a $250 minimum deposit.There are no codes for these promotions. However, we can apply through the promo page at www.ingdirect.com/independence.

Saving money on telephone bills

I have spent lot of money on cell phone bills sometimes nearly $400 per month. Once past the allowed free minutes any call during day time shoots up my cell phone bill. Most of these calls were unavoidable, particularly from home (abroad). I tried a number of calling cards but everything nearly failed. I only ended up paying more for both my cell phone as well as my calling card. Then I came to know about Vonage.

Vonage offers a VoIP (Voice over Internet Protocol). It was really helpful for me. My parents and my relatives live abroad. I subscribed to vonage at a monthly rate of $33. It acts as a landline to me. I am no longer constrained to nights and weekends. I can call in day time without burning out my roll over minutes. we can speak to anyone for any number of hours and its totally free.

Most of us in US will have internet connection. To activate Vonage, we only need the internet connection. We can make unlimited calls to 60 countries. In addition to this usually they are offering first month free. So for me this is really freedom from all the cell phone tensions and saving money.

SAVING MONEY ON DVDS

People have the habbit of renting DVDs or buying DVDS .Every penny counts is the important fact here.We Can get a membership in the library in your county and we can take DVDs from the library. Most libraries have a huge collection of DVDs. More importantly the membership is free. So dont spend even a single penny on DVDs.There are a number of websites which gives links to many movies.

SKIPPING PRERINSING BEFORE LOADING IN THE DISHWASHER MAY SAVE MONEY

I read an interesting article in yahoo about precleaning vessels
Experts unanimously agree that you should NOT pre-rinse your dishes before loading the dishwasher.
Why not? Because your dishes will not get any cleaner if you rinse them before loading your dishwasher. Pre-rinsing is therefore a complete waste of time, water, energy, and money. And, in some cases, it can actually harm your glassware.
Complete article read here http://green.yahoo.com/blog/the_conscious_consumer/137/should-you-pre-rinse-your-dishes-before-loading-the-dishwasher.html