As with any other goal, the key to achieving your financial goals is laying out a process that will ultimately lead you to success.

If you’ve set yearly financial goals in the past, but have failed to achieve them, now is a great time to re-evaluate your process. And don’t let past failures discourage you, because you are not alone – only 12 percent of consumers reached their financial goals in this year, according to a recent Zogby IBOPE survey commissioned by TransUnion, one of the three major credit reporting companies.

“Now is the perfect time to appraise your current financial situation and make goals for where you want to be,” says Heather Battison, TransUnion’s senior director responsible for consumer education.

So what can you do to ensure financial success in the coming year? TransUnion offers five tips for planning and achieving your goals:

* Check your credit reports every three months. Monitoring your credit can help you recognize bad financial habits, like making late payments, which can affect credit score. Regularly checking your credit report is also a way to protect yourself against identity theft. If you ever run into a situation where you suspect identity theft, TransUnion provides a guide for what to do next.

* Check for accuracy. Make sure the information on your credit reports is up-to-date and reflects your current credit history. Give yourself at least 30 days to resolve any issues. Online dispute forms are available at TransUnion.com.

* Know your score. Your credit score helps determine your interest rates on credit purchases. A healthier credit score can help you receive the best interest rate, ultimately putting more money in your pocket as your work toward achieving your financial goals.

* Create a monthly spending plan and stick to it. Breaking down your spending habits into smaller and more manageable increments can help you achieve your financial goals. Through breaking it down by month, you can also set aside a fixed amount each month to deal with unexpected financial emergencies that may come up later in the year. If you don’t have to spend this reserve fund, you can treat it as a year-end bonus, or, even better – put it toward next year’s goals.

* Take additional measures to minimize your exposure to identity theft. In addition to frequently checking your credit, you can sign up for a credit monitoring service that will alert you whenever something changes in your report.

Setting yourself up for a successful financial year means developing plans now that you can execute as the year goes on. Additional planning tools to help you understand your credit information, manage your debt load, protect your identity and help you achieve your financial goals can be found TransUnion.com.

Courtesy of BPT

(BPT) – Planning out a big move across town requires a bit of organization. Enlisting the help of friends and family, packing all of the belongings carefully into containers and once moved, finding homes for everything – the to-do list can go on and on.

Using your truck will make the move much easier, as you shuttle belongings – both large and small – from your old home into your new abode. Be sure your truck is equipped to handle the big move by scheduling a tune-up the week before and checking that all accessories like elastic cords are handy for use. Also consider purchasing a truck bed cover to help make your move easier by securing and protecting your belongings while they are in transit to your new home. Made of heavy-duty, double coated vinyl, the ACCESS truck bed cover installs quickly and easily with a clamp-on installation and is designed specifically to fit your truck.

Put the following tips to good use in organizing your move, and be sure to reward your helpers for all the hard work they do when the day is done with a fun dinner out or a gift certificate for a favorite store.

* Secure parking – If your new home is on a busy city street or part of a large condominium complex, you will want to reserve parking for your truck ahead of time. Contact the association or the city and register for a parking permit to block off space in front of your new home for your moving day.

* Divide and conquer – Give your helpers tasks they can do unassisted. Have one helper monitor the loading of your truck with boxes, making sure each is marked with its correlating final room destination. Another helper can be based at the new home, making certain all belongings end up in the proper rooms. If you have additional help, assign them the tasks of unpacking boxes – like kitchen dishes. Put sticky notes on the cupboards where you want dishes to be located to make this task easier. Having your helpers assigned to specific jobs allows you to handle any last-minute packing, or other jobs only you can handle.

* Keep your belongings secure en route – Whether you’re stopping overnight and leaving your truck parked in a hotel lot, or pausing for gas, leaving items open to view in the bed is an invitation for theft. A locking truck cover, like the ACCESS truck bed cover, allows you to shield the bed contents from the elements and the eyes of thieves.

* Provide nourishment – Keep plenty of food and water available at both homes to provide fuel and nourishment for all workers. Also encourage short breaks to help keep energy levels going strong throughout the entire day.

* Encourage communications – Provide your helpers with cellphone numbers or two-way radios for a quick way to communicate during the day. Keeping communications open allows for a quicker moving process, and also helps to prevent any confusion on where belongings will go once they arrive at the new house.

* Keep children and pets occupied – Having pets or small children around can distract your helpers, and potentially make it dangerous for everyone involved in the moving process. Consider hiring a babysitter or pet-sitter for the day, or ask a family member to watch over them during the moving process in lieu of helping you out with the move.

Most importantly, keep calm during the chaos of moving day. Your calm demeanor will influence your helpers to stay relaxed, which encourages everyone to move more efficiently and safely. And just know, at the end of the day, while you may still have belongings in boxes, you’re in your new home and ready for future adventures to begin.

Courtesy of BPT

Are you thinking about applying for a loan, or wondering why your interest rate is what it is? Chances are good that your credit score is going to play a big role in both. What is your credit score? Your credit score is your ability to pay your debts and how big of a risk to a lender you would be. The higher the score, the higher your chances of getting a good loan with a lower interest rate.

How is my Credit Score Calculated?

There are many factors that go into this. Roughly a third of your score is determined by your credit history and whether you pay your bills on time. Other factors that go into your credit score are how many lines of credit your have and how much of your credit you have used up. The more cards you have the better and the less credit your have used up the better.

What are Some Ways I can Check my Credit Score?

The first step to checking your credit score is to get your credit report. How do I get my credit report? You can go to one of the three credit bureaus and request a credit score. You can also go to your bank or credit union and request a copy. Each borrower gets one free copy of their credit report a year.

One thing that can affect your score is the accuracy of your credit report. There could be mistakes on my credit report that could affect my credit score, you might be asking? Yes, not all creditors report accurately on your credit report, so make sure that it is accurate by requesting a copy at least once a year to check for errors that can be holding your score down.

How Else can you Improve Your Credit Score?

Pay your bills on time and make sure that you don’t get in over your head with debt. Repossessions and bankruptcies can damage your score and make it less likely to get a loan in the future.

Your credit score is going to be the way that a lender determines whether or not to give you a loan. If you have a high score you are going to have a better shot at getting a loan for a car or a house. Make sure you are keeping up with your credit report and paying your bills on time.

by: William Hauselberg

Courtesy of BPT

Here are 5 things you can do to successfully reduce your home energy consumption and save money in the process courtesy of Washington Energy Services in Seattle, Washington:

1. Seal the leaks around windows and exterior doors. This is easy to do, and will help your home keep the heat in. Caulk, spray foam or use weather stripping and it will have an impact on improving your comfort and reducing utility bills. Don’t want to fuss with this – contact a handyman, or a reputable window, insulation or painting company. Many of them provide this service.

2. Fix your insulation situation. Insulation is typically the #1 way to save energy in your home. According to the Department of Energy (www.ornl.gov) “heating and cooling account for 50 to 70% of the energy used in the average American home. Inadequate insulation and air leakage are leading causes of energy waste in most homes.” And according to EnergyStar, you could “save up to 10% of your total annual energy bill” just by sealing and insulating.

3. Clean and seal heating ducts. Almost 20% of the air that moves through your duct system is lost due to leaks and poorly sealed connections. Over time, ducts can sag or collapse. Vermin and other animals can chew holes in crawl space duct work. Ducts can also come apart at the seams. When this happens, any air that should be going to the rooms in your home is instead being wasted by ending up in your attic, your walls, or under your house. If duct tape was used on your duct work originally, it’s best to have it replaced with aluminum or foil tape. Traditional duct tape deteriorates quickly. Metal seams should be cleaned and then sealed with duct mastic, which doesn’t crack. It creates a permanent seal.

4. Let your equipment breathe. Your heating and cooling systems depend on a flow of air to maximize their efficiency. Homeowners can take easy steps to help – change the furnace filter, and check for leaves/debris around an outside heat pump or air conditioner. A clogged air intake outside or dirty indoor furnace filter limits air flow to the equipment and causes it to function inefficiently. It can eventually lead to costly breakdowns and repairs. This is similar to changing the air filter in your car. Electronic filters typically need cleaning at least twice per year and paper filters need replacing. Check your product warranty for your manufacturer’s specific instructions.

5. Open those registers. Many people close floor registers to push heat into certain parts of their house. Since about the late 60’s the products installed in homes have been forced air furnaces. These are designed for a specific amount of air to flow through the furnace while operating. The duct work is designed for this amount of air also. When air registers are closed it reduces the airflow and allows heat to buildup in the system. That heat has to go somewhere, and that somewhere is up the flue and out of your house. Closing 1 or 2 registers is fine in rooms that get too hot. Keep as many registers open as possible so your furnace can operate at maximum efficiency. This is the same for heat pumps and central air conditioning. Airflow is key to efficient heating and saving money.

Not sure where to start to make your home energy efficient? Consider a home energy audit. A certified audit uses the latest technology to analyze your house, measuring heat loss, combustion and air leakage. An audit will show you how your home uses and wastes energy. This will help you prioritize what you can do to get the most energy savings. Learn more about audits at
washingtonenergy.com.

 By: Gretchen Marks 

Department of Energy – http://www.ornl.gov/sci/roofs+walls/insulation/ins_01.html

Energy Star – http://www.energystar.gov/

Washington Energy Services – http://www.washingtonenergy.com

http://www.articlecity.com/articles/environment_and_going_green/article_1146.shtml

There are do’s and don’ts when it comes to writing a professional property description that sells. An effective property description can determine whether or not you sell the property.

Headline:

To begin, your headline must jump out from the page and catch the attention of the buyer. Make the headline appealing with captivating and positive words.

Description:

Always begin your description with the selling points of the property. List the best features first to keep the attention of the buyer. Use adjectives to spice up the description. For example, instead of stating dining room, try spacious dining room for your family to gather and share a meal. Let the buyer know why they will want the selling points of the house.

It’s important to sell the area to potential buyer as well. Are you selling to someone looking for a single family home or a multi-million dollar estate? Highlight points in the area that appeal to your buyer like schools, shopping, public transportation, etc.

Location:

Include the geographical area in your description. Many buyers are looking to buy in a specific area.

Price:

Including the price of the property is especially important for the sale by owners. Price inclusion is also a way to screen potential buyers.

Call to Action:

End your description with encouraging words for buyers to call you. Give them a reason for a call to action. “This beautiful property will go fast, call now for more details.”

Wording:

Choose your words wisely and keep them positive. Certain words sound better and are more appealing to potential buyers. For instance try cozy instead of small.

Now that you know what should go into an effective property description, you need to know what shouldn’t. Avoid the following:

* Spelling, grammar and punctuation mistakes

* Uncommon abbreviations

* Clichés

* Jargon

* Passive voice

* Over the top vocabulary

Write in the present tense and make sure to include words like you and your in your description. This way potential buyers will feel as though you are speaking directly to them.

by: Rose Manning

Article Source:

http://www.articlecity.com/articles/home_improvement/article_7348.shtml

Your organization’s financial health depends upon sound financial management. Nonprofits have an obligation to act as responsible stewards in managing their financial resources. Nonprofits should use their financial resources to accomplish their missions in an effective and efficient manner. In addition, an organization is accountable to its board, staff and the general public to know how much revenue it is receiving and how that money is being spent. It also needs to ensure that grants and all other income are spent in the manner intended. Establishing clear policies and practices to regularly monitor how funds are used will make managing your organization’s finances simpler and easy to account for.

A great place to start is creating and following an annual budget. Look at your budget as a plan that identifies the financial resources to achieve your objectives. Once constructed, this plan assists staff and board in managing the organization financially throughout the year. Unique accounting standards require that nonprofit organizations report contributed income in one of three categories – unrestricted, temporarily restricted, or permanently restricted. It is a good idea to track the revenues by fund category.

It is important to plan ahead for difficult financial times. The demand for services is increasing at the same time that traditional sources of funding are shrinking and changing. Nonprofit leaders know that it will take creativity, innovation, and focus to weather this period. Adapting to these challenges also demands leadership and an open mind. A wise choice would be to develop a reserve fund as well as an investment policy for your organization.

Auditors have always considered the quality and sufficiency of internal controls as a component of an audit. When weaknesses in internal controls are observed, audit firms are more likely to highlight organizational shortcomings by submitting a management letter to an organization’s board of directors citing weaknesses and recommending action. Establishing appropriate internal controls will help prevent improper use of funds and to ensure that costs are controlled. Establishing these controls will also assist your organization in an audit or financial review

Financial Management will help you understand basic practices and build the basic systems and practices needed in a healthy business. For more information visit the Center for Nonprofit Success website at http://www.cfnps.org

Courtesy of BPT