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Newsletter to Your Friends (Use this link only if you receive this newsletter by email) Week of April 19, 2010This is an OPT-IN list ONLY! If you feel that you have received this message in error, please follow the directions at the bottom of this email to unsubscribe. Thank you.Click Here to view this newsletter online. Navigate This ColumnGrandpa Terry's Update Welcome to The Budget Stretcher! If you were one of the lucky ones that had their credit card interest rates raised just before the new CARD regulations became law, there may be hope. ConsumersUnion.org has urged the Federal Trade Commission to consider new regulations to require credit card companies to roll back these unfair rate hikes. “Last year’s shameful frenzy of credit card interest rate spikes has saddled millions of Americans with high cost debt, including many consumers who always paid their bills on time,” said Lauren Bowne, staff attorney for Consumers Union. “The Fed should undo that damage by requiring banks to lower interest rates for customers who were treated unfairly before the new credit card protections went into effect.” Click Here To read more about this new proposal. Whether you're heading out on a weekend road trip, planning a month-long family vacation or waking a four-wheeled friend from its long winter's nap, you'll want to make sure the summer driving season brings maximum enjoyment and minimum stress. Before you pack up the car, check out these travel tips from our staff of road warriors. Click Here to view the list That's all for now. Remember, I really enjoy hearing from you folks. If you have any comments, complaints, suggestions or just want to say Hi, please send me an email to tre2000@midwest.net If you know someone that may be interested in subscribing to our newsletter just copy and paste the below link into an email to them and have them subscribe: http://www.homemoneyhelp.com/confirmsubs.html Have a great week, Grandpa Terry Sponsor AdvertisementAn amazing collection of 1, 300 organizing tips, ideas and techniques to help you organize your home, your office and your life! Clutter-control tips for every room in the house. Time management systems to help you gain extra hours in your day. Super ways to organize the paper monsters in your life. Ideas and systems to keep you motivated, and so much more! Click Here to check out Get Organized Now Grandpa Terry's Tip of the WeekSelling on the web is becoming more and more popular everyday. It is just common sense that you can reach a lot more people to buy on the web than you can using more traditional advertising like newspapers. Take a look at Ebay. At any one time literally millions of items are listed. These aren't all businesses that are listing. Although I don't know the exact figures, I would say that most are from individuals that are looking to make some extra money. Most sellers use PayPal. If you have something to sell you can always accept personal checks or money orders, however, this has it's own problems. The main problem is that you aren't sure a personal check is not going to bounce. Both take a lot of time and many people that say they are going to send a check or money order never do it. The best way to sell anything on the internet is to accept credit cards or online checks. These payments are instant and you have the money in your account within minutes. With PayPal the security of these payments is guaranteed making the buyer much more comfortable ordering what you are selling. The biggest benefit to PayPal is that it doesn't cost you a cent to join and there are no monthly fees for sellers. You only pay a small percentage of the purchase price (normally 2.9% + $.35) when you sell. This is way below what it would cost you to have a regular credit card merchant account. I have been using PayPal at Budget Stretcher for over 5 years and have never had a problem with them. They make it easy for me to sell and with the low fees I can pass those saving on to my buyers. If you want to learn how you can start selling on the internet or Ebay I have provided a link below that gives you the details. You will need to open a Business Account. This is absolutely free. https://www.paypal.com/us/mrb/pal=8CPU5MM49B4KE Effective immediately, I will be listing up to 3 classified ads in the newsletter for anyone that opens a Business Account through PayPal using the above link. This will get your item viewed by over 23,000 subscribers. All you have to do is send me the verification email that you will receive from PayPal and include the information about the item you want to sell. I will verify it and will let you know what you have to do. https://www.paypal.com/us/mrb/pal=8CPU5MM49B4KE This is your chance to make a little extra money. Sponsor AdvertisementPaying highest-interest debt first is the SLOWEST way out ... You can laugh at money worries - if you follow our simple plan. Discover savvy consumer money secrets your friends don't know and banks won't tell you. Limited time only. ACT NOW: ///////////////////////////////////////// Grandpa Terry's EmailTerry,Thanks so much for running this note on Advance Directives. This is something everyone should do. I'm using the information to send out in my newsletter today. Joyce Moseley Pierce http://www.emersonpublications.com http://www.preparedineveryway.com http://www.prepareandsucceed.com Follow me on Twitter: piercejam Grandpa Terry, I have been receiving The Budget Stretcher for sometime, but haven't had time to look at them. I have been saving them in a folder to sit down and start reading and using what I need. For some reason, I opened the current newsletter. I read the article about Advanced Care Plans. I copied 6 copies of them for my husband and I. We are in our 50's, but one never knows when you will need these documents in place. For some reason, God deemed it necessary for me to read the article and to make copies. I certainly hope neither of us need them for a long time, but I know that I have mine filled out and am going to get a witness to sign mine just in case. Of course I have a busy day ahead of me, but I am going to sit down this evening after everyone is settled for the night and start from the first issue of The Budget Stretcher and take care of what ever business needs taken care of in each and everyone for as many nights as it takes me. Thank you for providing such a great service to those of us who receive your newsletter. Have a safe and enjoyable Sunday. Sincerely, Terri Hi, My name is Sarah and I came across your page, http://www.homemoneyhelp.com/articles/finedu.html while looking for some information on frugal living. You have great resources and I wanted to let you know about one that doesn't seem to be working properly, http://www.geocities.com/sahmlomano/index2.html. This page, http://www.gogoshopper.com/resources/frugal-living-resources.html has some great information and resources on living frugally that would make a nice addition to your page if you are interested. Again, thanks for the resources.
Take Care,
Sarah Featured Articleby Rachel Paxton If you have refrigerated crescent rolls on hand, and are tired of having them as a side dish at dinner, try one of these recipes to prepare something different for dinner tonight. Crescent rolls are very versatile and can be used in casseroles, as crusts, and even in desserts. One Dish Breakfast 1 can crescent rolls 1/2 lb. ground sausage 1 1/2 cups hash browns, thawed 3 eggs 1/2 c. grated cheddar cheese Spread crescent rolls on cookie sheet. Seal all seams and curl up edges slightly. Pour over rolls the drained and cooked sausage, then uncooked hash browns, beaten eggs, and cheese. Season to taste. Bake in a 350 degree oven for 40 minutes. Cheesy Casserole 1 lb. hamburger 1/4 c. chopped onion 1 8-oz. can tomato sauce 1 pkg. spaghetti sauce mix 1/4 c. chopped green pepper, optional 1 small can mushrooms, optional 3/4 c. sour cream 3 oz. mozzarella cheese, grated 2 oz. cheddar cheese, grated salt and pepper 1 can crescent rolls Brown meat and onion. Add tomato sauce, spaghetti sauce mix and optional green pepper, and mushrooms. Salt and pepper to taste. In a 9 x 9" baking dish, layer meat mixture, then sour cream, then cheese. Place unrolled crescent rolls on top to make crust. Bake at 350 degrees for 30 minutes. Veggie Pizza 2 cans crescent rolls, not separated 8 oz. pkg. cream cheese, softened 3/4 c. mayonnaise or miracle whip 1/2 c. sour cream 1 tbsp. dill weed 1/2 tbsp. garlic salt 2 c. cauliflower, finely chopped 2 c. broccoli, finely chopped 3 carrots, shredded 3/4 c. shredded Cheddar cheese Line bottom and sides of ungreased jelly roll pan with crescent rolls. Bake as directed on package until golden brown. Cool. Mix cream cheese, mayonnaise, sour cream, dill weed and garlic salt until creamy. Spread over crust. Press cauliflower and broccoli into dip mixture. Sprinkle with carrots and cheese. Chill completely before serving. Serves 24 or more. Cream Cheese Strudel 4 (3 oz.) pkg. cream cheese 1/2 c. sugar 3 egg yolks 1/2 c. light raisins 2 tsp. grated lemon peel 1/2 c. melted butter 1/3 c. dry bread crumbs 2 cans crescent rolls Preheat oven to 375 degrees. Combine cream cheese, sugar, egg yolks. Beat at medium speed until well blended and smooth. Stir in raisins and lemon peel. Set aside. Open package of rolls and roll out to 1/4 inch thickness. Spread with 1/2 bread crumbs and cream cheese mixture. Roll and seal end. Repeat with other package of rolls. Place on cookie sheet and bake at 375 degrees until brown and golden. Brush with milk before baking. Rachel Paxton is a freelance writer and mom who is the author of What's for Dinner?, an e-cookbook containing more than 250 quick easy dinner ideas. For more recipes, gardening, organizing tips, home decorating, holiday hints, and more, visit Creative Homemaking at http://www.creativehomemaking.com. |
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