NO CONDO FEES! This exciting unit has many upgrades and extras! There [...]]]> View Photos
Starts: 5/20/2012 1:00:00 PM
Ends: 5/20/2012 3:00:00 PM
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NO CONDO FEES! This exciting unit has many upgrades and extras! There is nothing to do here but move in! The cabinets, stainless appliances, and solid countertops make this unit shine! 3 bedrooms, 1.5 baths and a full basement that you can finish off for more space. The sellers have worked hard at landscaping and it really shows with a private patio, koi pond, big deck with trex decking, pond views from your back yard. This unit is located in a cul de sac minutes to the train and Route 95.

Here are ten tips to master frugal grocery shopping. A little planning can save you some big bucks over the long term.

1. Make a list.

Before you head out [...]]]> If you are looking for ways save money, cutting back on grocery expenses is often an easy way to reduce your spending.

Here are ten tips to master frugal grocery shopping. A little planning can save you some big bucks over the long term.

1. Make a list.

Before you head out to the store, prepare a list of everything you need, making sure you have everything needed for your weekly menu. Before you leave, check to make sure you don’t have it in your pantry, fridge or freezer. Stick to that list and don’t buy anything else.

2. Plan a menu.

Plan a weekly menu for each week. This way you will know exactly what to buy. Be sure to plan a leftovers night.

3. Don’t shop hungry.

When you’re hungry, everything looks good. When you shop hungry you’ll end up spending a lot more. Eat first and then you will be able to stick to your list.

4. Set a budget.

When you go to the store, know exactly how much you can spend. Then try your best to stick within that limit. Keep a running tally as you shop to ensure that you’re within your budget.

5. Create a grocery spreadsheet.

Keep your grocery receipts, then enter into a spreadsheet. This will be your price and comparison list. Use it so you know when bulk or sale items are a good deal.

6. Cook and freeze.

Plan to cook a big amount of food and freeze it for multiple dinners. A great idea is to use one Sunday and cook a week’s (or even a month’s) worth of dinners. Plan 5-6 freezable dinners and cook them all at once.

7. Shop for specials.

Every store has specials. Be sure to look for them in the newspaper, or when you get to the store. Don’t buy things you don’t use just because they are on sale; make sure you will use the items.

8. Buy store brands.

Brand names are often no better than generic, and you’re paying for all the advertising they do to have a brand name. Give the store brand a try, and often you won’t notice a difference.

9. No “one-item” trips.

They waste gas, and almost inevitably, you buy more than that one item. If you plan ahead, make a weekly menu, and shop with a list, this should drastically reduce the number of trips you make for a small number of items.

10. Stock up.

Sale items can be a great deal. If it’s an item you normally use, buy a bunch of them.

The student loan market looked [...]]]> You’ve heard about the Credit Crunch and its tightening effect on lending guidelines in the mortgage industry, but what does it mean to millions of Americans who need student loans to help pay their college tuition? Here is what you need to know from Credit.com.

The student loan market looked pretty bleak during the first quarter of 2008. Not only did the reduced benefits created by the College Cost Reduction and Access Act in 2007 kick in, but for the first time in 40 years, no bonds backed by student loans were purchased during this time. The new bill, which was good news for students, was funded by cutting subsidies to student lenders already feeling the effects of the credit crunch. According to Forbes, this loss of liquidity spooked a lot of investors of the student loan asset-backed securities market, destabilized Sallie Mae, the largest federal student loan provider and servicer, and sent student lenders into turmoil, as at least 50 federal student loan providers scaled back or ended participation in this type of lending.

Since then, Congress has passed legislation and taken other measures to ensure that student loan companies continue to issue federally subsidized student loans. Now, according to the National Association of Student Financial Aid Administrators (NASFAA), most “traditional” students should have no problem getting federal student loans from the remaining 2,000-plus lenders participating in this market.

For those students forced to seek private or alternate education loans, however, this is a much different story. NASFAA says many students could have trouble getting these types of student loans. Because of this, NASFAA added that private student loans should only be used as a last resort when it comes to paying for college.

Which students are affected?

Students attending smaller schools and for-profit career or trade colleges, or other institutions that rely heavily on private lenders, will find it more difficult and expensive to gain access to private student loans than they have in the past – especially if they have credit issues.

Older students, students with poor credit, or those students without a creditworthy co-signer (e.g., mom and dad), are likely to pay higher rates for whatever private student loans they are able to find.

Students whose college tuition is more than their federal loans provide could also be affected if a) a private loan is necessary to make up the difference or b) the student does not qualify for Federal Perkins or PLUS loans or other types of financial aid programs.

It’s important to note that financial aid, including Pell Grants, Federal Work Study, and education tax benefits are not affected by the Credit Crunch.

This is a Ranch style home and features 4 total rooms, 1 full bath, 2 bedrooms, 0.11 Acres, and is currently available for $79,900.

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