Saving on Business Startup Costs

Starting a new business can be both stressful and exciting, not to mention costly. Most small business owners I spoke to told me that they greatly underestimated the cost of starting up a new business. If you are considering starting a new business, here are some costs you should be aware of, and how you can save money on each of them.

1. Incorporation Fees
Some people hire a lawyer to help them form a corporation. I, however, do not believe this to be necessary. There are many services like LegalZoom that will sell you kits to help you incorporate for a fraction of the price you’d pay had you hired a lawyer. In most cases, such legal kits are more than enough to form a corporation. You can also download the necessary forms from government websites and fill them out yourself. This is often viable if you are forming a simple entity, such as an LLC with one owner. The least costly option would be not to incorporate at all and run your business as a sole proprietorship, but be aware that this is not advisable because it exposes you to a lot of legal risk. Depending on the state you live in, you can form an LLC for under $100, so it’s well worth the price for the limited liability protection you get in return.

2. Branding
logoTo brand your business or corporation, you should have a logo, a website, and basic stationery. Of these things, the logo is perhaps the most difficult one to get. Usually, you will need to employ a skilled designer to produce a high-quality logo. But there are ways around this. If you go to freelance sites, you can often find designers willing to create a logo for a cheap price, often below $100. But I don’t thing it’s a good idea to skimp on logos, so you should hire a reputable company like Deluxe Checks to design your logo. It should be mentioned that Deluxe also sells checks and other printed goods your business might need. They also provide website design services, so it can be a good one-stop shop for many of your business needs. Click the logo on this page to obtain a Deluxe Checks Coupon Code which can save you up to 40% off on your first order.

3. Office
Office space can be costly, but if you are just starting out and have no employees, consider working from home. You can often get a tax write-off if you use part of your home for business. Another option is to rent out co-working space, which is usually much cheaper than getting an individual office. You can rent many co-working spaces for a relatively low price, oftentimes as low as a couple hundred dollars a month.


Save Money on Your Electrical Bills

Depending on where you live, your electrical bill can range anywhere from $60 to $300 or more. Taking steps to reduce your bill is not only good for your wallet, but ecologically friendly as well. So what can you do to bring down your energy bill? Here are some quick tips.

flourescent light bulb1. Use flourescent bulbs
Switching to flourescent bulbs will require an upfront investment, but it can save you over $100 a year. Flourescent bulbs also last longer than traditional ones, so you will definitely make back your initial investment over the years.

2. Turn off lights
Don’t be lazy, and make sure you turn off any lights that are not being used.

3. Seal up any cracks in your home
There are probably cracks and openings near windows and doors. Use caulk to seal them up, and you should save a minimum of 10% on your monthly bill.

4. Program your thermostat
Don’t cool or heat your home when you are not around. It’s just a waste of money. Get a programmable thermostat, and make sure your temperature is adjusted to save you money when you are at work. Alternatively, you can adjust your thermostat manually. This just requires more discipline.

5. Air dry your clothes
Dryers eat up a lot of energy. That’s why we recommend drying your clothes the old fashioned way.

6. Make use of any fans you have
If you live in a warm area, use your fans. They can make a room feel much cooler, and you will have to rely less on air conditioning as a result.

There are plenty of other ways to cut down your energy costs, but the ones above are easy to implement.

How you can do your own taxes

Most people cringe at the thought of doing their own taxes, and believe me, I feel your pain. I once tried to do taxes on my own by following the publications published by the IRS. Not only were the instructions very long, they were also quite difficult to follow. In the end, I did manage to get my taxes done, but it took an entire day.

I’ve long thought that there should be shorter, cheat-sheet versions of IRS instructions, so everyone, including people who don’t have accounting degrees, can do their own taxes. Some politicians have advocated simplifying the tax code. However, it probably comes as no surprise that this has just been talk, and nothing has been done for years.

The next best thing to simple instructions, however, is tax preparations software such as Turbotax. Unfortunately, Turbotax if pretty much the only tax preparation program worth mentioning. Just about all other programs are vastly inferior and not much better than doing taxes on your own.

What makes Turbotax stand out, in my opinion, is that it uses a simple interview format for completing your taxes. This basically just means that you complete and “interview” where you answer a series of questions as the program completes your forms for you.

The downside, however, is that I find it very difficult to jump between different sections of the interview. In most cases, you can skip to a certain section easily, but then you are forced to answer all the questions in that section all over again. This is a serious flaw in the program that I hope will be fixed in future versions.

One great development with regards to Turbotax is that in recent years, it has become unnecessary to purchase a boxed edition of the software. Instead, you can complete all your taxes online for free. This is highly convenient, and saves you a trip to a software outlet. To get started using the free version of Turbotax, simply get the Turbotax Federal Free Edition available from

Once the software is done with your taxes and you are ready to file, you will need to purchase the program to proceed any further. The price you pay depends on how complex your returns are. That said, most consumers can expect to pay between $39 – $79.

Don’t forget to complete your state taxes as well. Turbotax offers software to complete your state taxes as well. For the most part, information from your federal form is copied over, and completing your state taxes therefore takes a lot less time.

Get more information about the turbotax free edition.

Saving money on Yoga

woman doing yoga
Rejuvenates abdominal organs, sends extra supply of blood to spine (due to forward bend). Helps to relieve backache. People suffering from stiff shoulders and arthritis of the back find relief in Halasana. Also very good for calming the nerves.

Exercise is one of those things that shouldn’t cost money, but yet it does. How much do we spend on weights, yoga classes, and memberships at fitness clubs. On the low end, it may only be a couple hundred a year, but some of us spend that much in a month or less.

But the good news is that exercising doesn’t have to cost a lot if you employ a few simple strategies. Take yoga, for instance. There are many free yoga videos online you can use to get started. Aside from that, all you really need is a yoga mat, which can be acquired quite cheaply, especially if you shop used. I recently came across a great article describing how you can do Yoga on the cheap, and I recommend you check it out –

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3 big advantages of buying contact lenses from

soft contact lensesDo you wear contact lenses? If you do, you already know that you spend more every year compared to what the average wearer of glasses wears. In addition to having to have a pair of backup glasses, you need to pay for contact lenses, solution, and more frequent eye exams, all of which can cost a lot of money.

For these reasons, it’s important to explore ways to get the best deal on contact lenses. I highly recommend that you check out the online store,, for the following reasons:

1. They offer cheap contact lenses and free shipping
Prices at are up to 70% off typical retail prices. On top of that, you get free shipping and additional discounts if you take advantage of online coupons. All said, your savings can be $100 or more year after year.

2. You can buy glasses very cheaply
Even though you wear contacts, you will still need a backup pair of glasses. Why pay top dollar for a pair of glasses you might only use a handful of times a year? offers quality glasses at a fraction of the price you would pay at other stores.

3. It’s way more convenient
Placing an order only takes a matter of minutes. will verify your prescription on your half. All you need is an old box of contacts so you can input information when you order, such as base curve for each eye.

For more information on how to save money on contact lenses, make sure you visit

A step by step guide to ordering canvas prints and other printing services

beautiful canvas printI personally find that canvas prints make the perfect gift. As long as you have nice photos that are meaningful to the recipient, it is rather easy to create canvas prints out of them. Best of all, they can be virtually any size, from small pieces you put on a table to a painting-sized canvas you can hang on a wall. I prefer the smaller pieces myself, but many of my friends have large, poster-sized prints all over their house.

The first step in getting a canvas print made is selecting the picture. This may end up being the hardest step. The picture will need to be high-resolution. If you are going to go out and take the photo to use, make sure you use a high-quality digital camera. The resolution can never be too high, and higher resolutions will give you more flexibility when it comes to choosing the size of your canvas print.

Next, you need to select a canvas printing company. There are quite a few to choose from online, but my personal favorite is Canvas People. They have good reviews from sites like, and they offer prints at a reasonable price. What’s more you can acquire a Canvas People coupon and get a discount.

Once you select the company you want to do business with, you will next upload the photo you selected. The procedure to do this will differ depending on the vendor you choose, but it’s usually a simple process. Finally, you would select any special features you want for your print, such as gallery wrap. Once you make all your selections, you can next pay for it using a credit card.

Most canvas prints should arrive in a week or two. Therefore, if you are giving the item as a gift, you should plan accordingly.

Ordering printing services for other items, such as posters, postcards, brochures, and business cards is also quite easy if you do it online. The process is similar to ordering Canvas Prints. For business and professional printing, however, I recommend a company called Printplace. There are quite a few Printplace coupon codes from Hot Printing that you can take advantage of to get discounts on your printing.

As with Canvas Printing, you’ll be able to upload your artwork over the Internet. After that, you’ll be able to instantly view a proof and approve it online. For these reasons, not only are business printing services cheaper and easier, such services have a better turnaround time as well.

Benefits of using eharmony

Dating on EharmonyThere are just so many dating sites these days. Christian Mingle,, Plentyoffish, Zoosk, eHarmony…

So how do you go about picking one? One thing you could do is simply get free trials at all the popular dating sites, use them for a week or so, and select the one that appeals to you the most. But this can be a long and tedious process.

I prefer to read reviews online and select sites based on the audience they cater to. It didn’t take long to find out the eHarmony is the most suitable site for anyone who is interested in a serious, long-term relationship and even marriage.

I’ve used eHarmony for a while now, and here is a list of what I consider to be the top benefits of using this popular dating site.

  1. It attracts people who are serious about love.
  2. It uses a highly successful matchmaking algorithm that matches you with people you will most likely be compatible with.
  3. You receive a free personality profile that many people find very insightful and accurate.
  4. You receive a manageable number of matches which you can review at leisure. I typically got 0 – 2 matches per day.
  5. The price is reasonable if you purchase a long-term membership (6 months or longer). I don’t recommend anything shorter than 3 months since it is not cost-effective.
  6. You can get started for free with an eHarmony coupon or promo code. The free trial allows you to receive matches and engage in some forms of communication.

The one thing about eHarmony is that you don’t receive unlimited matches and instead only get a handful at a time. For this reason, you will need to be a bit patient and have faith in the system. It has worked for thousands of other people, many of whom got married, so you need to give the process some time and keep at it.

To date, I don’t think eHarmony has much competition. Other sites like have attempted to offer compatibility matching systems as well. But if you look at the membership numbers, it’s clear that eHarmony still dominates the landscape for online matchmaking, and will likely continue to do so well into the future.

Read a full review of eHarmony.


Some surprising benefits of Nicotine

Nicotine has long been vilified, in large part because it is the addictive element in cigarettes. But recent studies have shown that nicotine by itself can have some benefits to some people. Some examples are listed below.

  1. e-cigarette typesNicotine can be beneficial to those with Alzheimer’s. Not only do smokers have a lower incidence of the disease, one study found that Alzheimer patients who used nicotine patches were able to maintain cognitive function for a longer time.
  1. Smokers are less likely to get ulcerative colitis, a debilitating autoimmune condition. There is some anecdotal evidence online of people who have ulcerative colitis treating their symptoms successfully by using electronic cigarettes or nicotine patches.
  2. There is some evidence that nicotine can be beneficial to people who have depression. Some studies have shown an increase in dopamine and serotonin when people use nicotine.

Given all these finding, however, I do not think it is a good idea to smoke, since smoking has been shown to have a myriad of detrimental effects on your health. If you already do smoke, one thing you might want to do is switch over to e-cigarettes. This will likely be better for your health, since electronic cigarettes, while they do contain nicotine, do not contain other harmful ingredients in tobacco such as tar and carbon monoxide.

I myself use e-cigs, and my favorite company to buy them from is Halo Cigs. I prefer their slim batteries, called G6, since they are the same size as standard cigarettes and very convenient to carry around. If you are interested in exploring e-cigarettes, I encourage you to obtain the most recent Halo Cigs promo code from this link here before placing an order with Halo. In addition, you should consider using discount coupons online to get the best prices possible on your purchase.

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4 Simple Steps Which You Absolutely Must Take To Get Affordable Health Insurance

Buying health insurance may be one of the most complicated purchases you ever make. And it’s also one of the most important purchases to ensure the well-being of you and your family. I found the article below and decided to share it because I believe it will help people who are currently shopping for insurance. With all that said, with no further ado, here is the article:


4 Simple Steps Which You Absolutely Must Take To Get Affordable Health Insurance

by Donald Saunders

Like so many things today buying health insurance can be a minefield with an enormous number of companies offering a wide range of plans and all competing aggressively for your business. Naturally the secret is to find the best policy to meet your own needs together with the needs of your family and to do so at the right price.

If you are buying a health policy for the first time, possibly needing to arrange cover yourself after many years of benefiting from cover under an employer’s scheme, then here are 4 simple steps which you must take if you are to ensure that you purchase the very best affordable health insurance plan.

1. Begin by determining exactly how much you are willing to pay for health insurance and then base your search for cover on this sum of money.

If you and your family members are all relatively young and in good health then you may find that it is not too difficult to find good comprehensive cover within your reach. However, where you are not able to find a plan at the price you wish to pay, then do not be persuaded to pay more than you can really afford!

Get a plan to match your budget!

There are many different plans on offer today with various different payment structures. It might suit your needs for instance to find a plan that has a high deductible and low monthly premiums which also qualifies for use in a health savings plan. This would then have the benefit of permitting you to build up cash within your plan to meet the cost of future claims and at the same time qualify for tax relief.

2. Shop around and look at plans being sold by several different companies. Make sure that any company being considered provides cover in your area and will also provide you with cover should you be traveling out of state either for work or for pleasure.

3. As soon as you have pared your options down to perhaps 2 or 3 possible health insurers, research these companies very carefully to satisfy yourself that they are financially sound and reputable. In many cases you will be considering major providers who have been in business for many years and are well-known ‘household’ names. However, if the company you are looking at is not as well known then you must check them out using an online service such as that provided by A. M. Best. Should you be in any doubt at all about a company then you are probably best advised to drop it from your list.

4. A first class indication of just how good an insurer is the number of complaints which it receives from dissatisfied plan holders. Clearly any insurance company with a high number of complaints and a lot of dissatisfied policy holders is best avoided and, luckily, you can find this information from the National Association of Insurance Commissioner’s website.

Health insurance is very much a consumer product today and plans are sold in all shapes and sizes to meet a multitude of needs. Take the time therefore to familiarize yourself with just what is available in your state and find the plan that best meets your individual needs. With a bit of time and some careful looking you will invariably find the right affordable health insurance plan.

A great place to start your search is which provides detailed information about finding individual cheap health insurance [] and family health insurance []


I hope you found the article above helpful. In addition to the information above, you may also want to check out this video with more information about health insurance. It provides basic, easy-to-follow information about how health insurance works: