Tag Archives: alternative

Living a Quality Life for Less the Price – Part II

Here is the second part of free stuff you can take advantage of.

Everything comes with a price. The food you eat, the clothes you wear, the services you avail, all of them you have to pay for. The truth is living a normal daily life costs money. However, saving money doesn’t mean that you should stop using these products. You don’t have to deprive yourself of experiencing the better things in just because you don’t have money. That’s why we’ve researched ways you can avail of practically anything without having to open up your wallet. Look at this list and start your journey towards a life that is cheaper but not any worse in quality.

Education and Profession

Tuition Fee Assistance and Scholarships
Perhaps one of the best aides in life is having your tuition paid for or having a scholarship that covers the cost of schooling. However, many scholarships have strict requirements such as the financial status, high IQ, and special conditions. And if you do not fall under any of these categories, then you’re tempted to skip collegiate school altogether. Don’t fret, there are alternatives. Many schools offer free college education with lenient requirements. For example, Alice Lloyd College in Kentucky offers free tuition in exchange for work hours. In Missouri, College of the Ozarks also asks only for work hours to offset the cost of their student’s college education. You can also opt to find schools that offer big discounts to locals. Visit FastWeb.com and check out the colleges that offer scholarships. Also, take note of grants given by the federal government and the department of higher education of states.

Grad School
For people seeking higher education but don’t have the time nor money to support this endeavor, you might just want to ask your employer. According to a survey done by the Society for Human Resource Management in 2014 has found that an estimated 50% of companies in their list offer grad school assistance while 54% offer assistance for undergraduate education. Usually, availment of this benefit requires the employee to remain with the company while maintaining a grade on their education. There’s no harm in asking so find out if you have that option in your company.

If you’re not out to get a full degree due to some reason and another but still want to keep learning then you may want to get free classes, you only have to do a bit of research and be disciplined about your educational ethics. The ushering in of the digital age has made sure that most, if not all, has a website online. Find the school’s website that you are interested in and chances are they have free online classes or their course material will be available there. Check out Saylor.org and see compiled open courseworks. Other material online include free lectures, tutorial, and videos from universities across the country.

Educational Apps
One more thing that technology has made easy for everyone is the acquirement of education through smartphones, tablets, and pcs. Today, all kinds of applications are available from music to social media to fitness and even education. Teach your technology addicted kids through applications such as iTooch, MeeGenius, Blanks, and Khan Academy. Subjects range from math, science, and vocabulary.

Language Lessons
Language lessons are expensive and not to mention time consuming but today, all you need is a laptop and an earphones and you’re ready to learn a new language. The internet offers numerous applications and websites that teach comprehensive language lessons for free. They even have mobile apps so you can learn even if you’re travelling from and to work or exercising so you have the time on your hands. Openculture.com offers a list of language lessons on the internet which you can download to your device.

Creating Resume and Applying for Jobs
The employment field today has become so competitive that sometimes it all comes down to your presentation of yourself through your resume, interview skill, and job searching techniques. If you want to maximize your employment opportunities, you can go ahead and find the nearest One Stop Career Center near you. It is a career service developed and provided by the US Department of Labor that aims to help people who are trying to find internships, people who are finding work for the first time after graduating in college, and people who want to take a different career path. The center offers help in creating resumes, developing interview skills, job training programs, optimizing your job search methods, arranging on-the-job training, and setting up apprenticeships with employers.


Portfolio Analysis
If you are an owner of a portfolio then have you can have it analyzed for free. See if your list of investments are diversified enough, balanced enough and profitable enough for your financial lifestyle. Go to the Instant X-Ray Tool over at Morningstar.com and have your portfolio checked.

Retirement Plan
Plan your retirement for free by visiting Fidelity.com and have your future retirement income and expenses estimated so you can prepare accordingly. After planning out your retirement, Fidelity will then suggest the most appropriate investment strategy to keep you afloat through inflation.

If you’re interested in stocks, forex, or any form of investment then you can now keep track of the financial market smartly and for free. The Bloomberg app allows you get access to updated stock quotes, market events, and other stock news. Yahoo Finance, meanwhile, keeps you updated to every happening in the markets with news, videos, and articles. You can also go ahead and check out Robinhood if you are a trader that wants to pay less. They charge no commissions for buying and selling over 5,000 US-listed securities. Plus, there are no minimum balance requirements. If you’re into mutual funds, Morningstar offers instant mutual funds research.

Budgeting and Keeping Track of Finances
As we go through our daily lives, we have to juggle different tasks and what’s more daunting than keeping up with various financial tasks? Luckily, our smartphones are indeed smart enough to provide us with financial apps that lets us budget and keep track of our money accurately. Check out these following apps for your financial management: Mint, HomeBudget, Expensify, and GoodBudget. Track your expenses, save your receipts, search for the nearest surcharge-free ATMs, get coupons, and a whole lot more. It is amazing what you can do with your smartphone to optimize your finances today.

Next week, we shall continue to delve in the world of free stuff to covers food and travel. Until then, do your research because there are more free things out there than you think, you just have to be attentive.

Living a Quality Life for Less the Price

Everything comes with a price. The food you eat, the clothes you wear, the services you avail, all of them you have to pay for. The truth is living a normal daily life costs money. However, saving money doesn’t mean that you should stop using these products. You don’t have to deprive yourself of experiencing the better things in just because you don’t have money. That’s why we’ve researched ways you can avail of practically anything without having to open up your wallet. Look at this list and start your journey towards a life that is cheaper but not any worse in quality.

If you don’t live in Canada where healthcare is free, then you can go ahead and find free stuff in the following institutions to lessen your medical bills.

Preventive Care – Take advantage of health plans you have availed as most of them cover preventive care such as high blood pressure screenings, children vaccinations, and mammograms. Do your research about these free benefits and maximize your health plan. Check out Healthcare.gov to see a list of preventive services and eligibility requirements of your chosen health plan.

Diet, Fitness, and Workout – The emergence of smartphones has revolutionized the world of fitness. Nowadays you no longer need to pay money for gym membership or get a fitness advisor for your diet plans because all of it are now available as free applications. Sites as MyFitnessPal.com, SparklePeople.com, and Fatsecret.com offer just that. You can also research on your locality to see if they offer free fitness programs and such in your community.

Rx Drugs - The sheer number pharmacies out there make for a very competitive market for the healthcare industry. That’s why many of them offer free Rx drugs such as antibiotics, generic drugs, and diabetes medications in exchange for things such as loyalty program applications and surveys. Some companies that offer these include Publix, Harris Teeter, and PriceChopper. You can also go ahead and check out rxassist.org to see a more comprehensive list of companies and offerings in their patient assistance program that suit low-income people.

Dental Care - A great way to avail of free health care services is to research schools near you. Find dental schools and see if they have free dental care as most dental schools do as part of their curriculum for student practice and school program. Go to their respective websites and do your research. You can also inquire with your local health department to see if any services are offered for free or with a discount. To learn more, you can go to dentistryfromtheheart.org if there is an event close to your location.

Communication and Entertainment

Movies and TV – A monthly bill that many people have is for paying cable, satellite, and monthly subscriptions for streaming sites. Well, you can now get rid of those and watch your shows for free using any of the following options: free outdoor movies in your local community, a Redbox subscription that offers promo codes for a free movie rental, bank cards that offer free movies as benefits, and services from Hulu and Crackle that give free movies regularly for customers.

Concerts and Performances – The best way to get free passes to events such as these is to volunteer. As volunteers, not only do you have great access, you also have the chance to experience what it’s like to be part of such concerts and performances. Who knows, you might even meet new friends that could connect you to even bigger events. You can go to your local theater and see if they have availabilities. If you don’t have time to volunteer, you can also be on the lookout for free admissions as some theaters do to promote an event.

Cellular Service – Very much like the internet, having cellular service has become a necessity in this day and age. Get rid of that cell phone plan and get free data from FreedomPop worth 500mb and instead use free text services such as Textfree and Heywire. You can also use chat services such as Viber and Skype.

Internet Service – As technology develops even more, humanity finds itself depending more and more on the internet. However, just like other necessities such as food and clothes, it comes at a hefty price. One free internet service comes from FreedomPop that gives a 4G wireless internet.

Museums – One of the best things about museums is that they almost always have certain periods of time in a year where they open their doors for free admission. And to make things better, zoos and galleries also offer free admissions. You just have to be aware of their schedules and events to see when these things become free. Some famous museums that have allowed free admissions include the Getty Center in Los Angeles, the Lincoln Park Zoo in Chicago, the Museum of Modern Art in New York, and the Smithsonian museums in Washington D.C. Be on the lookout also for promotions that carry free admissions to museums such as cardholders of Bank of America that have free access to over 150 museums every first weekend of every month.

Sports – Buying tickets to any game can cost you a lot of money. However, what most people don’t know is that you can go ahead and see your favorite athletes for free if you know where to go. Training camps for all kinds of sports usually allow people to watch the pros in training. Research your favorite sports schedule and make that trip and have your memorabilia signed.

Video Games – Redbox not only covers movies and TV shows, they also give free video game rental monthly. Every state carries the RedBox kiosk in more than a total of 40,000 kiosks.

Next week, we shall continue to delve in the world of free stuff to covers education and finance. Until then, do your research because there are more free things out there than you think, you just have to be attentive.

Eight Ways You Can Invest Outside the Financial Market

Having an investment is one of the growing trends in the recent decades. Whether you have money lent out through bonds, or you buy and sell stocks, or you have a mutual fund, or any other common kind of investment, it is surely something to be financially be assured about. However, there are people who have invested time and money not on the traditional investments but on things that surpass the desire of financial security. These investments were made not only because of money but also because of passion. And like conventional investments, these things increase value over time and might even be better for your savings. See the different kinds of investments beyond what is on the financial market and maybe you too can hit it big with these.

1. Becoming a Collector
You’ve heard of toy hobbyists, connoisseurs for antiques, and of course, stamp collectors. All of these are people who invest on things that can be collected given, of course, that such items are proven authentic and rare. Collectibles can prove to be profitable because their worth only goes up through time. It takes skills to be a collector because many people are out there that want to profit even at the cost of fooling people. That’s why if you’d like to try your hand at investing in collectibles, then be sure you know your items well.

2. Devoting Your Money to Good Old Stamp Collecting
Perhaps the most famous (and not to mention lucrative) form of collection is that of postage stamps. It has a high potential of profit if you know what to look for in these little rectangles. The value of postage stamps come from their historical significance and geographical aspects. Learning the craft of it and a sharp eye for detail is also a must if you plan to make it a living.

3. Investing on Classic Cars
If you’re one of those people who’s got the time and especially the money to find and invest classic cars, then consider being a car collector. There is a large market for car enthusiasts that are out to find the rarest and most classic cars. There are even markets for other cars such as micro cars, brand specific cars and muscle cars. If you have a passion for cars then try your hand at car collection. It has the potential to give high rates of return.

4. Owning a Racehorse
Horse racing is one of the oldest sport in history and it has stood the test of time. A lot of people consider horse racing as one of the best betting games despite the allure of cards and slot machines. As an investor, owning your own racehorse is a great potential for profit because of the high returns on winning races and studding fees.

5. Locating War Memorabilia
People are, apparently, highly sentimental. One of the most active markets out there are dedicated to war memorabilia. It is understable, of course, because owning a part of history entitles you respect and idolatry. Despite the activeness in this market and the promise of high returns, locating such items, especially rare and significant ones are quite difficult so if you’re up for the challenge then go for it.

6. Appraisal of Precious Stones and Other Gems
Owning precious stones and other gems is similar to owning stocks. While they maintain their value at a usually high price, it fluctuates depending on market conditions. This is why owning them and waiting for the right time to appraise them is a game of patience and strategy. You can get high returns from them if you play your cards right.

7. Finding Rare Literature
The quest for the rare and classic also extends to literature. Books and comics have their own active markets respectively, the former sought for scholarly purposes while the latter for entertainment. Finding first edition of books and classic comics in mint condition can yield a fruitful revenue.

8. Pursuing a life As a Wine and Spirit Connoisseur
While it is common belief that aged wines and whiskies stored in casks are tradition and business that only prominent families can afford, modernization has allowed this investment to become a formal investment business with investors putting money in private wine funds. Although it promises luxury and of course an exquisite glass of wine, experts say that the guarantee of high returns for this investment has not been as lively as other investments on this list.

The key to investing in non-traditional things is to find an item that is rare and which is in mint condition to be sold to the right market. Anyone can invest even if it is not in the financial market as long as he or she has the time, the skill, the will, and the capital.