5 Luxury Products that Make Affordable Gifts for the Holidays

Purchasing luxury products as holiday gifts will get you a lot of praise and thanks. Luxury gifts don't have to be expensive; they can still exhibit the signs of luxury without breaking the bank. Here are five luxury products that are affordable, useful and perfect gifts for the holiday season.

For The Person Who Loves To Cook: A Himalayan Salt Slab

Salt slabs are a perfect gift for foodies. These salt slabs are crafted from solid bricks of Himalayan salt, which is full of magnesium, iron, potassium and other nutrients that your body needs. When you cook using one of these slabs, the salt and nutrients are leeched into your vegetables or meats. It's the perfect component for cooking and baking. It's a luxury product, but you can score a nice one for under 50 dollars.

For The Person Who Shaves Often: Shaving Equipment

Quality shaving gear is important. Without proper shaving pieces, your face and body can suffer from micro tears and cuts caused by cheap razors and shaving creams. Luxury shaving accessories aren't cheap, but they are an investment. The Art Of Shaving makes these products more affordable than you would think. By making an investment in quality shaving equipment, you can avoid the constant expense that is associated with replacing disposable razors and other cheap products. These quality items can also help to prevent serious skin problems.

For The Tech Geek: iPad Folio

A luxurious and designer iPad folio is the perfect gift for the tech geek in your life. A nice case for their iPad or other tablet brand can be the ideal gift you can give to your loved ones or friends for the holidays. Designer companies often come out with cases around the holidays, which makes it so that you can purchase the latest designs and styles when you truly need them. This means that you can get your techie something that is useful, but that also keeps them current with the latest fashions and looks.

For The Old-Fashioned Writer: A Moleskin And Fountain Pen

A Moleskin and fountain pen are all the traditional writer needs. These perfect gifts are luxurious, beautiful and ideal for the person who loves to write. This gift is not one that will be forgotten any time soon, and it is sure to be well loved and used for a long time to come. Both of these things will also help to preserve the work of the writer, making sure that generations will be able to read the text that they wrote.

For The Fashionista: A Silk Scarf

A luxurious and silk-blend scarf is a perfect holiday gift that will not only keep the recipient warm during the winter, but it will also keep them looking fashionable. Silk is a luxury, and it's one of those gifts that simply cannot be turned down. It's perfect for the holidays, and it's a worthwhile investment. To avoid returns, choose a solid color like black or navy, since both of these colors will be able to match with the style of just about anyone.

Reverse Mortgage Lenders.

To put it simply, reverse mortgage can be categorized under home loans that possess special features. One of these special features permits you to receive cash for a certain portion of the home equity. This system of mortgage is particularly beneficial for the older generations, specifically the retired ones who do not have any means of income. This can help them positively and with its increasing benefits becoming more popular among the masses, reverse mortgages have gained immense popularity and there are several companies that are vying to provide and offer this incredible service to their customers. 

Reverse Mortgage is a lending system that is typical of the United States and traditionally involves activities by large, well known banks. 2011 was the year when several famed banks emerged victorious in terms of providing reverse mortgage. To name a few, Wells Fargo, Bank of America and MetLife Bank made it to the top of the list. Of the total reverse mortgages, Wells Fargo and Bank of America were successful in generating 43 %, which was promptly followed by MetLife.

All the same, it should be noted that there has been a drastic change in the reverse loan markets and the scenario has changed quite dramatically. Earlier, it was the banks that were held in high regard when it came down to reverse mortgages. The tables were turned when in the year 2011, Wells Fargo and Bank of America found it inappropriate to provide reverse mortgages to their customers. They gave a very simple reason, which was quite the concern at the time – the dwindling prices especially concerning homes. Besides, the financial standing of the person borrowing the mortgage did nothing to influence their decision making process. This area received another blow when in 2012, MetLife made a crucial decision of parting ways with retail banking. Therefore, what the customers have today are several small scale reverse mortgage lenders mushrooming all over the globe that do not particularly have any experience in the areas of traditional banking.

It took just 2 years to completely transform the face of the reverse mortgage world. Between the years 2011 and 2013, a tremendous change took place and therefore, the popular banks that were known for providing excellent reverse mortgage services suddenly died down and were replaced by smaller known companies. As per the latest information, this year, the company that tops the list of providing ace reverse mortgage services is Liberty Home Equity Solution, which is followed by Security one Lending and American Advisors Group to secure the second and the third place respectively. The top 10 list was rounded by Associated Mortgage Bank.

Although these companies emerged victorious in the year 2013, there has been a drastic reduction in the overall volume of the reverse mortgage, 50 % to be precise. There is a possibility that the consumers have a deep sense of trust instilled in bigger, well known brands and therefore, they fail to apply the same level of trust on brands that are not that well known, despite their specialisation and area of expertise belongs specifically to the reverse mortgage area.

The best thing that you can do is familiarise yourself with these companies and learn more about their policies and standards. Usually, it is far easier to learn more about well known stalwarts like Wells Fargo since people are aware about it. However, it is also important that you go the extra mile to learn about the other reverse mortgage lenders as well before you make your decision. The best way to do this is by thumbing through reviews of people who have previously availed of their services.

Five Ways Internet Can Help Seniors Save Money on Everyday Shopping

A penny saved is a penny earned, we know it’s true, but for some reasons our mindset is becoming more and more inclined towards money making, and we are not so keen on saving money.

Now, money saving is not something meant only for poverty-stricken. Regardless of how affluent you are, you shouldn’t squander your money on something that is not priced for what it is. And when it comes to knowing the right price, or saving money on a particular purchase, there’s nothing as effective as the Internet.

Here’s how Internet can help seniors save money on everyday shopping …

Coupons & Discount Codes

Some of these discounts appearing on daily deals websites might sound too good to be true, but most of these deals and discounts are actually legit. Special deals and hefty discounts are one of the most effective ways for attracting customers, and businesses are always ready to offer heavy discounts to get new customers on board. And while it is not feasible to browse through various daily deals, or coupon code websites in search of a discount at an everyday item you are looking to purchase, you can simply search for a relevant deal at one of those deals search engines. It will save you a lot of time, and hopefully, a lot of bucks as well. 

Price Comparison

In any given market, you will find plenty of businesses offering pretty much the same products or services, but not all of them are fair with their pricing. You will find big differences in their prices, when you compare all of these products side by side, except that it is not possible at a brick and mortar store. However, a simple search on Internet will give you many options to compare prices and figure out the average market price. You can also search for available options within your budget like best tablets under 100. This will help you in bargaining and making sure you are not paying unfair prices.

Free Shipping

Even if you aren’t finding massive discounts or discounted prices, you can visit some online store and see if they are offering free shipping to your doorstep. Remember that getting the products shipped at your doorstep will mean you can save the trouble, time, and money that you’ll have to spend on going to the market and making a purchase.

Avoid Scams

It goes without saying that you should do the due diligence when you are looking to invest your life savings in a business or some scheme. Remember that there are many scam artists and businesses, promising big profits on incredibly easy terms. Then there are businesses which are not really scam but investing your money will mean certain risks that you are not ready to take.

The simplest way to check the credibility and reliability of a business is to search online. Usually, you will find a scam or rip-off report pertaining to the business that is involved in shoddy practices, and you need to stay away from that business to save your hard earned dollars. However, searching online is just the first step; it doesn’t mean you should blindly go ahead with the investment in case you don’t find anything online about that business. No news is not always good news.

Seniors Discounts

There are two types of discounts, first the regular ones that will be applicable to all and sundry, and then there are special discounts like discounts for veterans, student discounts, or group discounts. Similarly, some businesses offer special discounts to seniors, and the only way to keep tabs on all such discounts is to search online and keep track.

Want to Keep Collecting and Save Money? Here's 5 Places You Should Look

For collectors, it is always a constant task to look for new treasures and add them to a growing collection. This is a pleasant and enjoyable hobby for many, even (and perhaps especially) at an older age. However, at times, it can be difficult to know where to find the best pieces and easily expand the collection, especially if you're on a budget. By frequenting the most popular places to look for collectibles, it can make for a great way to find rare products at a great price. 

1. Antique Stores 

Antique shops are an ideal place to find unique items that are still in great condition and are well-preserved. It can be an enjoyable experience to scour the store and be able to view hundreds of incredible items, while having the opportunity to ask questions about the history of each item.

For those who want to purchase a number of collectibles, antique malls are an ideal place to frequent and find dozens of merchants in one location. This is a great place to barter and negotiate with sellers. If you ever spend over $20 at an antique mall, ask for a 10% discount—you should receive it. This little secret can end up saving you lots!

2. Pawn Shops

Pawn shops only sell items that have value, making it easy to find historic products that can increase in value. Jewelry is a high commodity, along with coins, stamps, and musical instruments for plenty of like items. If an item is too expensive, it's appropriate to ask for a cheaper price, as well as pawn a separate item to be able to make the purchase. If you're looking at boats, vehicles, or aircraft for sale, you should keep in mind that the pawn shop will probably rack up the price higher than they bought it for (so be willing to pay more).

3. Garage Sales

It may take a bit of work and energy to dig through another person's personal belongings, but garage sales are one of the best places to search for valuable finds after people often clean out the garage or attic. Better yet, you'll probably find collectibles at their cheapest here. Precious dolls, pocket watches, and antique spoons are a common find for those who frequent the weekend deals.

For older products, estate sales often sell hundreds of items that may be worth even more they are selling for. Keep on the lookout for items like this. If you live in a neighborhood that doesn't hold a lot of garage sales, go to a local thrift store. You can find things for very cheap there, and quite often there are hidden treasures amongst all the junk.

4. The Internet

For those searching for a specific item to add to their collection, the best place to look is online where a basic search can pull up hundreds of websites. Online sellers often sell specific products, making it easier to purchase a gem for a convenient process that beats driving around town. You can try sites like eBay for online auctions; often you can get a really good deal that way, and you can control how much you pay. If you're looking for larger items, such as collectibles cars or planes, you can try trade-a-plane.com. Sites like these will have Trade a Plane airplanes for sale which you can find for a good price. Make sure you don't outbid yourself and end up paying more than you wanted.

5. Flea Markets

Flea markets are an upgrade to garage sales, making it easy to shop in one place for rare finds that are hard to find in stores. Flea markets are often a place where the work has been done for you by merchants who scour garage sales and then sell their best finds. You can barter here as well and get a good price on a valuable item.

Power Up Without Losing on Your Finances! Buy Your Power Generator Wisely

Stationaire Brons 8 cil. VG motor met generator. (Photo credit: Wikipedia)

Anywhere in the world, the issue of power outage is no longer infrequent. It has been and will always be an intermittent problem to people who survive their daily grind with the assistance of electricity. In so many ways, it is disrupting our activities and sometimes causing delay to things we need to accomplish. Much more to our business pursuits, the possible damage could be substantial. Though we know it is inevitable, we still wish to avoid it. Definitely, we cannot avoid it. But we can do something about it.

Consider buying a power generator. Yes, a power generator can do miracles when it comes to dealing with this dilemma. As a regular consumer, you need to know what you are going to buy and buy it right. But before you buy your power generator, consider the following insights in order to save and not waste your money:

1. The need. How much power do you require to run your devices? Is it for household or for business purposes? Do you want your generator standby or portable? How much do you know about generators? These are some of the questions you must know the answer before making a purchase; otherwise, you will end up getting the wrong equipment.

2. The type. You should think and analyze which type of generator would suit your need. Do you want it permanently installed or you want it adaptable? A standby power generator will automatically perform its function during blackouts. While the advantage of the portable generator is, it can be used anywhere you need it and for different purposes.

3. The budget. Of course, you want the high-quality system but just within your budget. Do your homework and study the market. You may check on some auctions, read online testimonials about your prospect items, and make a little comparative price study. However, do not dismiss from your mind your aim of buying the best. 

4. The operation. A generator might be a common item for you, but the “how to use it” part could be a little tricky. By simple means, you have to learn the do’s and don’ts of using the generator. For safety and security purposes, you can ask an expert’s guidance on this department or study the manual. You should also make sure that the item you buy is warranted.

5. The maintenance. If you want your generator to last for many years and for it to regularly function, you should know how to properly take care of it and maintain its operative condition. Make the most of your money by keeping your generator functional and protected.

Just like procuring an oil well equipment, buying a power generator is not an easy task. Properly using it is another thing to master. Maintaining it is a big challenge. But always keep in mind that having a power generator at home or in your commercial building will surely make you feel comfortable and less worried of any power outage. 

Brandon Peters is an entrepreneur, writer and travel enthusiast. He is always fascinated at trying and learning new things that will allow him to go beyond his comfort zone. He also loves checking out on Tradequip. 

Ditch the Ramen: Saving Money by Replacing What You Use

It's the end of the month, you look in the cupboard for something to eat, and Ramen noodles sit staring you in the face. It's back to school time for your kids and you're shopping the thrift stores instead of the mall. What has gone so horribly wrong? Obviously something needs to give. If you're bank account is a deeper shade of red at the end of the month, you have changes to make. Here are just a few items in your home that you can replace to start saving money:

1.Central Air

No one wants to live in a sweat box during the summer. If you are looking to make a change, you may want to consider alternative ways to cool your home. Central air conditioning is an expense that you can do away with quite easily. It does take some getting used to, but turning off your whole-house cooling system can save you a great deal of money each month.

Plant trees outside of the windows that get the most sun during the mid-afternoon. Install light-blocking shades and curtains on these same windows. Put window fans in your windows and run them at night to cool off your home. Install an attic fan to draw up the hot air in your home during the day. Keep your windows closed during the hottest hours of the day and open them wide in the evening.

2.Utility Bills

Can you replace your utility bills? Not necessarily. What you can do, however, is sign up for budget payment plans, effectively replacing your high energy bills. Most utility companies allow their customers to sign up for a budget payment plan based on the customer's monthly consumption.

Paying in this way makes it easier to pay your bills when they are higher in the winter by spreading out your payments into equal monthly installments. For example, what may be $150 bill in the heart of the cold weather season could be an $80 bill on the budget plan. 

3.Premium Cable

It's hard to cut the cable cord, especially for people in rural areas who can't get an over-the-air signal to save their lives. Instead of cutting the cable completely, get rid of what you can. Keep in mind that you can only watch one channel on one television at a time. Also keep in mind that you can watch many of your favorite shows on the Internet, and that a Netflix subscription costs less than $10 per month. What kind of cable are you paying for? If you're like the average cable television subscriber, you are paying over $100 per month for the privilege of watching television. Get rid of your premium channels and sports packages. Whittle your package down to basic and you could save over $50 each month. If you are screaming "But what about my DVR?!" at your computer screen right now, think of it this way: Your DVR will have you eating salty, dried noodles at the end of the month. Wouldn't you rather have a dinner designed for adults?

4.Your Car

Egads! Get rid of your car? That's right. While it's not feasible for everyone, it is feasible for more people than you may think. If you have more than one car in your family, dump the others. If you have access to public transportation, ditch every car that you own. If you simply can't fathom life without a car, you are wrong. Think about how much money you could save if you got rid of your car. No more insurance payments, and no more need for gas. Don't worry if your car is financed; you can easily find someone to buy it for what you still owe. It takes minor adjustments when you don't have a vehicle, but you can still get things done. A subscription to Amazon prime costs under $90 per year. Amazon prime gets you free shipping. This means that you can do your grocery shopping, pet food shopping and clothes shopping online. If you want to go on a vacation, you can rent a car. If you have a medical emergency, you can call an ambulance. Give it some thought.

Will all of these options work for everyone? Of course not. But at least one of these options might work for you. There's no reason to live paycheck to paycheck when you can make changes in your life that will keep your bank account in the black. Talk to family and friends and visit www.securitysystems.net/frontpoint-vs-adt.php for more money-saving ideas.

Chelsea McCary is an avid finance blogger. If you want to learn more about ways to save money without scrimping, you can follow her at @ChelseaMcCary.