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Debt Free Living – Top 10 Grocery Strategies For Saving Money at the Grocery Store




Have you noticed that grocery prices seem out of control? In today’s world, we need a plan to save as much as we can and live within our budget. If we can figure out how to save money on food, then we may have to charge on our credit cards just to survive. Here are the top 10 grocery strategies that can help you save money and live debt-free when it comes to buying food.

1. Never shop without a list. To gain the most savings, you must have a game plan. Make your plan according to the weekly specials. Your list is your action plan. Without a list, you will be much more influenced by marketing strategies which encourage you to purchases higher profit items. Food companies spend more than $7 billion a year on advertising. Studies have shown that most shoppers make 2/3 of their purchase decisions in the store, often spending twice what they had anticipated.

2. Know a good price. This is a skill you need to use every time you shop because it only develops over time. Did you know that 20% of the highlighted items in specials are at or close to normal prices? You don’t want to fall victim to the illusion of a good deal. You want to shoot for items that are 25% off or more. Don’t assume bigger packages are a better deal. Sometimes small and medium size packages sell faster, so stores will accept a lower profit margin on them. Pay close attention to unit pricing.

3. Buy high value sale items in the largest quantity possible. The goal is never to pay full price. The more you stock up when prices are low, the less you’ll need when prices are high.

4. Stock pile items before you need them. When you wait to buy things until you need them, your ability to save money is decreased. When you can buy three month supplies of items, especially those you use frequently, you have a much greater purchasing control. For example, if you see an item you use a lot at the lowest prices in three months, buy a three month supply. By the time your supply is used up, the sale price will probably return. Also, focus on stock-piling expensive items such as meat, cheese, peanut butter, and coffee. Keep your freezer 2/3 full so you have room for unexpected bargains. Fill the other 1/3 with plastic bottles of water. In addition, save most of your freezer space for buying meat and cheese instead of frozen vegetables or dinners.

5. Be careful about buying non-food items at the grocery store. Grocery stores will get you in with low prices on food and try to make money on things like toothpaste.

6. Consider joining a warehouse club like Sam’s. Of course you can save money buy buying in bulk. However, this one depends on how much you spend. Don’t join a warehouse if your annual purchases won’t be more than 20 times the cost of the membership fee. For example, if the fee is $30, you’ll need to spend $600 annually to get the most benefit.

7. Buy store brands. There are 3 types of brands that you can buy. They are national brands, store brands, and economy brands. National brands are the most expensive. For example, 50% of the price of a box of cereal pays for the national brand advertising. Store brands are typically the same quality as national brands. However, they spend much less on advertising. Store brand products are typically 20% less than the national brand. Economy brands often cost 20% to 40% less, but they can be lower quality or irregularly sized.

8. Watch the cash register like it’s your money. Because it is! An investigation my Money magazine found that because of scanner errors, as many as 30% of supermarkets may overcharge their customers. So if you don’t watch carefully as your items are rung up, some sneaky scanner may eat your lunch!

9. Avoid Prepared Foods. Prepared foods include items like frozen dinners, canned stews, or hot foods from the deli. While these items are convenient, they are generally more expensive. If you like convenience, here is a suggestion. When you cook, make double batches and freeze half of it for future convenience.

10. Learn to substitute ingredients and experiment. If a recipe calls for a spice you rarely use or don’t have, substitute something else or omit the item. This helps avoid trips to get a single item. It saves time and money because most people can’t go to the store and just get one item.

Even though grocery prices are out of control, there are steps you can take to get your budget under control. Use these top 10 strategies to help plan your next trip to the grocery store. By making a few slight changes, you can live within your budget without whipping out the credit cards.


Source by Michael G. Harris


iPhone Application Development – Earn Money Through iPhone App Store




The Internet Revolution! I’m sure you read and heard a lot about it and so I won’t list the myriad ways in which it has changed everything. Professionals capable of working independently and creatively have benefited the most from the ubiquity of the internet.

There are so many ways I which you can showcase your talent to the world (or hawk your wares): you can write a novella, self-publish it over Amazon, and if people like it, you will mint money; you can post a funny video over YouTube (or start you own ‘Channel’), and using nothing more than your skills and ingenuity, find fame and fortune; or you can use your iPhone application development skills, sell your app(s) in the Apple App Store, and buy that yacht you’d always wanted!

Over 2 billion apps are downloaded from the iPhone App Store every year, and as the sales of iPhones continues to rise and more people start using iPhone, the demand for iPhone apps will increase. iPhone apps are constantly making the news and they are one of the prime reasons for the success of iPhones. Experts predicts that 3G smartphones which offer all the facilities of internet will replace PCs and laptops, and apps are the things that make it easier for the users to use their smartphones in lieu of computers: the market for apps is huge, and it will only grow further over time.

Do you have creativity, talent and innovative ideas? There are school students out there who are making serious money developing iPhone apps and selling them using the iPhone app store. Do you think you have the app idea of the decade? You don’t necessarily have to have a scientific and technical mind to gain success at iPhone application development: all you need is an idea and the ability to transform it into reality.

The best thing is that there are a number of free tutorials and SDKs available on the Internet; you can use download them for free and learn how to develop apps for iPhone apps. You might need t invest some time to study how to develop the best apps, and then how to market them over the net, but thereafter your creative ideas will take you far.

Even if you are not good at logic and math and programming is just not for you, you can still take help from professionals and pay iPhone developers to develop an app based on your idea. If your idea is really good, you could convince them to work for royalty from the sales of the app. And if your idea is really good and you are sure that the app based on your idea is going to sell like hot cakes, its best to pay the developer upfront and have complete control over all the profits on your iPhone app!

Once the app is ready, you just need to follow the simple guidelines on the iPhone app development store and list your app on the list of available apps. But there are millions of apps on the iPhone app store, and so you will need to do things to get publicity for your apps: get a website in the name of the app, try and make someone do a piece about in a magazine, keep your fingers crossed, and wait for the world to wake up to the proof of your genius!


Source by Vatsal M

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What Can I Use Bitcoins For?




Practically, almost any product or service that can be bought with dollars or other currencies can also be bought with bitcoins. On the other hand, the high volatility of bitcoins is a huge risk for some people that might want to use this cryptocurrency, but they are afraid about price differences. Even so, the characteristics of bitcoins make them perfect for internet payments:

1. Fast transactions

A bitcoin transaction is processed in 10-15 minutes. In case of a bank transfer, it might take hours or even days for the money to get from one account to the other. Some might say that PayPal or other ewallets are even faster. It is true, but there are other aspects that ewallets can’t give: privacy and smaller commissions.

2. Privacy

When you send bitcoins to a partner over the internet, the transaction will be registered in a blockchain. The list of transactions is public, and it can be verified on specialized websites. Only the identification number, the sum and the time are recorded. There is no way for somebody to find out from where the bitcoins come, and where they go. This is characteristic of bitcoins attracted many people. Well, some of those are interested about it because they can buy illegal goods with those, but the majority of bitcoin users are people that want to buy legal items and services, but which don’t want to disclose their identity. Porn and gambling websites might be immoral, but they are not illegal, so people that want to subscribe for those services can safely pay in bitcoins on the websites that accept this currency, knowing that their reputation will not be affected.

3. Smaller commissions

The average commission is 0.002 BTC for a transaction. It is significantly smaller compared with the PayPal or banking commissions. Moreover, you are not even obliged to pay it. By paying a commission, you “reserve” the computational power of a pool (or at least a part of it), to process your transaction faster. You even have the possibility not to pay the commission. In this case, you might need to wait two or even three days for your transaction to be processed. If you are not in a hurry, this might be the perfect opportunity to make money transactions with zero costs.

Of course, there are also disadvantages for using bitcoins, such as the possibility to lose them. If somebody steals your bitcoins, or if you delete the wallet files, it is impossible to recover those. As long as the bitcoin is not regulated, there is no central organism for arbitrage between divergent parts. In other words, you can’t complain if you lose or you are robbed by your bitcoins, simply because there is nobody to complain to.


Source by Stanculescu Mihai Bogdan

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Things You Should Know About Bitcoin Black




What is Bitcoin Black?

Bitcoin Black is basically the cryptocurrency of the people, by the people for the people. It will be adopted for use as a peer 2 peer payment system which gives the power back to the people.

If we talk about Bitcoin, Bitcoin has failed at this, real value comes from real use of the ecosystem and empowering people. Bitcoin transactions are slow and expensive, and it can be said that Bitcoin is somewhat centralized. Bitcoin takes power of people because it is heavily manipulated and through cycles that discourage participants from cryptocurrency in general.

People buy bitcoin to get rich, not to be involved in the ecosystem. The one percent elite takes advantage of bitcoin and creates discouragement, strategically increasing the price and attracting entry for the dream of wealth and dumping coins for their benefit. In fear of adoption. Bitcoin is completely controlled, pumped and manipulated at will, for many different reasons.

Bitcoin Black is focusing on solving these problems as the coin is a cryptocurrency with a fair distribution Airdropped to 1 Million wallets prior to IEO which all funds will go to community groups voted by the community to move the project forward with focus on fair distribution, mass adoption, usability, education, ease of access, simplicity and community.

The goal is to make it a real decentralized autonomous network giving back power to the people. He does not belong to a group, but belongs to many branches of the community.

Distribution of Coins

Bitcoin Black is aim to have airdrop to at least 1 million wallets initially with not more than 0.5% of supply owned by 1 founding member making it truly decentralized cryptocurrency.

The project have a pre-sale of 2.5% of total supply which is almost 900 Million coins.

If we take a take a look at the IEO, 7.2 billion IEO coins will be allocated to several community foundations that will help the community move the project forward in the future.

Counterpart funds for manipulation (around 5%). Part used for the stability control fund to eliminate the possibility of early manipulation at low volume and maintain currency stability.

Finally, the rewards for introducing the application will be 14.4 billion coins.

Introduction of 30 million members with an increase in the rate of new users. A method of bringing the coin into every schoolyard / university / workplace and community.

Total Supply

A maximum supply is 36 billion coins.


3.6 billion coins to be claimed by members who help share Airdrop.

Simple social sharing platform in one click. Share a social message that provides an introduction to encrypted video and the app download link that will allow your friends to download it. Currently the platform is active and functioning well.


The best innovation is the Fee free transactions. You can send bitcoin black to anyone free of charge. The transactions are Instant and you can send money as easily as sending an message.

The wallets are easily accessible and very simple to use.


Bitcoin black have a fair mass distributed currency with supply spread widely that it will create less volatility by synchronized pumps and dumps and lead to a more stable price. Bitcoin black is going to be the next bitcoin. You can register for the airdrop by clicking here. I wish someone back in 2008 would have included me on the Bitcoin airdrop. Bitcoin Black will be life changing and we want to tell this to as many as possible.


Source by Mark West

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