Champ Money

Stop paying for directory assistance!

The next time you need directory assistance, try calling 1-800-FREE-411 (easy to remember!).

It appears that this service is advertiser sponsored, so you might have to listen to a very short advertisement (about 10-12 seconds).

This is a minor inconvenience and well worth the ads in our opinion.

Unfortunately, the reality of business sometimes requires going to court and suing another business.

When this happens to small businesses it becomes even more of a problem, as working capital is tied up as the legal case crawls through the system.

Commercial Lawsuit Funding is available, however, specifically for this purpose. LawMax can advance you cash against your pending legal claim, providing critical cash to you business when you need it the most.

Best of all, there’s no risk to you or your business. You only repay the advance if you win your case or reach an out-of-court settlement – and then you simply repay from the proceeds of the settlement.

So, maybe there is no such thing as a free lunch. But, you can certainly save a lot of money on lunches with very little effort.

If you purchase a lunch everyday at work, you’re just throwing money away. Assuming a $5 lunch – which would be very cheap in most areas – this alone is $25 per week. If your spouse is doing the same, $50 per week, or approximately $200 per month.

That’s a lot of money.

Making a sandwich at home to bring to work is far less expensive, and more likely far healthier.

If you don’t want to deal with making a sandwich first thing in the morning, canned lunch foods are quick and easy, and still far less expensive than buying lunch out everyday.

Better yet, bring in some of those leftovers from dinner. Then you will be closer to that elusive “free lunch” than ever before.

Beware Of The Vampires.

…electricity vampires that is.

Your home and office are filled with electricity vampires that slowly suck the electricity from your wires, increasing your electrical bill.

They’re small and often go unnoticed – but those computers, DVD players, cable and satellite converter boxes, and home theater equipment continue to consume electricity, even when turned off.

Each component is different, and some are worse offenders than others.

If you don’t plan to use an electrical device to a period of time, unplug it. Or, utilize a power strip that can be turned off with a switch.

Common chargers for items such as cell phones and handheld video games continue to use electricity, even when the device is not attached to it. This is also true for DC adapters used by many electronic devices.

Look around your home and office. There’s sure to be several vampires lurking around your power outlets.

At the moment of this writing, the wholesale price of crude oil continues to drop. This is finally allowing for some noticeable relief at the gasoline pumps. Although, the price is still significantly higher than it was a year ago, and consumers are still feeling the effects via higher prices in other goods and services.

This is not a time to be complacent however.

The only way that energy prices will continue this downward trend – or even maintain their current prices – is by continued fuel conservation and greater pushes toward alternative fuels.

If you learned to drive less when gasoline was over $4 per gallon, you should continue that trend even as the prices drops closer to $3 per gallon.

When it’s time to replace your vehicle, it will be in your best interest to purchase the most fuel efficient model that fits your needs. Or, preferably, a hybrid.

All indicators are that fuel prices will return to their upward trend at some point in the future – probably sooner rather than later. Don’t get caught unprepared.

When looking for quality HDMI components, don’t waste your time driving around to your local electronics stores to browse their aisles.

Firefold.com has every HDMI product that you might need, from HDMI cables and HDMI adapters to switches, converters and even HDMI extenders.

You won’t find such an extensive selection locally. And you’ll waste a lot of time and fuel in the process.

Save the frustration, and shop online.

Good news for fans of MBT shoes – they are now available online!

With the convenience of their online store, these innovative shoes are no longer hard to find.

MBT (Masai Barefoot Technology) shoes are unlike any other shoe you’ve ever worn. With a more even distribution of pressure, your feet, ankles and legs will benefit from effective exercise created by these unique shoes.

In our credit oriented culture, many people have one or more credit cards that they classify as their “emergency cards”. That is, the intention is to only use these in an emergency.

Unfortunately, that often doesn’t end up being the case, and the “emergency” credit card is used for non-emergency and non-essential items.

A better choice is to build an emergency fund to handle most unexpected expenses. You’ll have a harder time parting with hard-earned cash than “invisible” credit. Establish this fund and add money to it on a regular basis. Even small amounts will accumulate quickly.

For double-protection, go ahead and keep that “emergency” credit card, but put it somewhere difficult and inconvenient to get at.

Many people underestimate the value of the data stored on their computers until they experience a loss of that data.

Even many businesses, with backup plans in place, fail to properly test their disaster recovery procedures until it’s too late – and then a flaw is discovered resulting in data loss.

In those cases, Data Recovery becomes an invaluable service and definitely something that should only be entrusted to seasoned professionals.

Flashback Data is the industry leader in computer data recovery and restoration. If you find yourself in this unfortunate situation, Flashback Data will be your best choice. Along with their quick turnaround times and very affordable pricing, you’ll receive the best data recovery service possible.

Seemingly, one of the hardest tasks to accomplish when there’s a need to put your financial world in order, is getting started.

It’s much too common that people will continually make excuses and procrastinate when it comes to finances. This is especially true for those in the greatest need of doing so.

Sometimes this is caused by depression about the current financial situations, and other times people just choose to ignore the money problems in hopes that they will just go away.

No matter the reason, delaying the sometimes hard decisions regarding finances and debt will only compound the problem, making it much worse in the end.

Whether you are current behind on bills, living paycheck to paycheck, or just have the desire to increase your savings, you must realize that no positive results will occur until you focus on your specific financial issue(s).

Make the decision to bring about positive change, then:

Just Do It.