This version of the page http://kievgid.com/ (0.0.0.0) stored by archive.org.ua. It represents a snapshot of the page as of 2006-12-26. The original page over time could change.
kiev gid

Money Help For Christmas

Easing the Financial Burden of Christmas Shopping

Although we all would prefer to not have to worry about finances when it comes to Christmas shopping the unfortunate truth is that the majority of people do not have unlimited funds to spend on Christmas presents for their friends, relatives and co-workers. As a result most of us have to set budgets for Christmas shopping and have to repay any debts which are incurred while shopping for Christmas presents. However, there are ways to ease the financial burden of Christmas shopping. Some of the most common ways to easy the financial burden include spreading out the Christmas shopping throughout the year, opening a Christmas savings account and sticking to a strict budget when it comes to purchasing Christmas presents.

If you typically wait until the last minute to do your Christmas shopping you probably understand the stress of last minute Christmas shopping all too well. Not only is it stressful to have to find appropriate gifts and purchase them, wrap them and deliver them to the recipient in a short time period but it also places a tremendous strain on the wallet especially for those who purchase a large number of gifts or for those who purchase extravagant gift for the recipients on their Christmas shopping list. The problem with this type of Christmas shopping strategy, in addition to the stress of finding great gifts, is the buyer is faced with paying for all of these gifts at one time. This can be very difficult especially for those who are already on a tight budget and may not have a great deal of money left over in their monthly budget. Without proper planning these individuals may be faced with the dilemma of either shortening their list of gift recipients or purchasing inexpensive gifts for each member on their list. However, if these same people plan to shop throughout the year they may find they are able to purchase gifts for one or two individuals on their list each month with the money that is left over in their monthly budget. This strategy of spreading out the Christmas shopping throughout the year makes the financial burden of Christmas shopping significantly less difficult.

Opening a Christmas savings account can also be very useful for the purpose of easing the financial burden of Christmas shopping. This is helpful because most Christmas savings accounts accrue interest and do not allow you to withdraw money from the account before a certain time. This allows you to gain a small amount of interest on your savings and ensures you won’t be tempted to use the money you are saving for Christmas shopping for other expenses throughout the year. You could always take an envelop and add a percentage of each one of your paychecks during the year but if you save this way you will not be earning any interest on the money you are putting aside. Additionally, you may be tempted to use some of the money for small purchase or emergencies which arise during the year. A Christmas savings account is so convenient, you can even have money directly deposited into it from each paycheck or you could simply transfer money into your Christmas savings account from another savings account or your checking account each month.

Finally, the financial burden of Christmas shopping can be eased by setting a strict budget and sticking to this budget. This is important because it can help to keep you from spending more on shopping for Christmas gifts than you had intended. If you budget carefully and plan on only spending as much money as you already have saved or as much as you can afford to spend than you do not have to worry about going into debt to provide Christmas gifts for your loved ones. While it is important to set a budget, it is also important to track your purchases to make sure you are sticking to your budget. If you go over your spending limit on a few people on your list, you will have to consider either eliminating a few people or reducing the amount of money you can spend on a few people. This will help you to remain under your budget.

PPPPP

Word count 708

Kievgid.com - What is Road Hazard Warranty? Do You Really Need It?

You are prepared to spend an average of $300 - $500 for new sneakers for you vehicle. It’s a maintenance item that is not optional and then the salesperson asks you if you want to purchase the Road Hazard warranty.

“It’s ONLY an additional $10 - $20 for each tire,” he or she says. So, you’re thinking, “Don’t my tires come with a warranty already?”

Great question! Most tires come with a warranty which covers workmanship and materials. In other words, the tire maufacterer covers things which are in their control, like defects. They are not interested in warranting the condition of the roads or your inability to hit debris.

This is where a Road Hazard warranty can save you money and aggravation. Road Hazard warranties are one of the best values, yet one of the most misunderstood benefits. Let’s start off by expalining exactly what is a Road Hazard warranties and how does it save me money?

Most Road Hazard warranties are set up to protect you, from paying full price, even if you happen to get a flat or even destroy a tire beyond repair. If you are fortunate enough to have purchased the warranty, you will only pay for the amount of tread that you used prior to the needed replacement. (This is called pro-rated).

Here is an example. Let’s say your tire is 1/2 way worn at the time of the flat. With tires averaging $100 each, your replacement cost would only be $50.00. Much better than full price, yes? Definitely - great value.

Typically, Road Hazard warranties will cover things like nails, glass, metal, stones etc. and almost anything else that could puncture or damage a tire. Some Road Hazrd packages provide a nationwide coverage, which are great for people who are traveling, or vacationing, because you now have peace of mind knowing that you are protected while away from your local area.

In addition, many Road Hazard warranties offer other benefits like free rotations and free balancing (check where you purchase your tires for all the details). Regular maintenance is the best way to extend the life of your tire and get as many miles as possible for your investment.

Next time you are ready to purchase tires, ask your tire dealer for the road hazard warranty. You’ll be glad you did.

Gene Grant is retired from the automotive industry after 25 years and has created the resource http://www.acarmart.com.

Kievgid.com - Kiev-Tour, Ukraine - Kiyv rent apartment kiev, Kiev apartment for rent

Kiev-Tour, Ukraine - Kiyv rent apartment kiev, Kiev apartment for rent
Kiev-Tour, Ukraine - Kiyv rent apartment kiev, Kiev apartment for rent, Kiev hotels and apartment service, Kiev accomodation, lodging, excursion, transfer

Kiev Apartments, Kiev Hotels. Ukraine Hotels, Ukraine Apartments in
Kiev Apartments, Kiev Hotels. Ukraine Apartments, Ukraine Hotels. UKRAINE accommodation portal. Legal hotel service with 6 years experience. 500+ apartments and hotels in 50 cities of Ukraine.

Kiev central apartments
Provides apartments in the heart of Kiev as alternative to hotel. Daily, weekly and monthly rates. Car rental service is also available

Kiev 60 Kalibration
JUST BECAUSE IT’S A KIEV DOESN’T MEAN IT HAS TO ACT LIKE ONE (You may Right-Click on any image to save a larger version of it to your hard drive.) I’ve put this book/site together because I like

SEC “Biomass” - News
CD with Proceedings of the Second International Ukrainian Conference on Biomass for Energy (held in September 2004 in Kiev) has been issued. Proceedings include unique materials of Ukrainian and

Kiev Marriage agency part of the Honest Marriage Network
Kiev Marriage agency, a agent of www.khersongirls.com 18-20 Viktoriya Lady #: 2028 Age: 20 21-30 Alisa Lady #: 9023 Age: 25 31+ Elena Lady #: 1858

Kiev
Kiev Overland Odessa - Kiev - Yalta Yalta - Kiev - Odessa Highlights of tour: Day One: You will start your Kiev overland tour with the same

Ukraine tour Kiev agency service Ukraine travel tourism Kiev agency
Ukraine tour Kiev agency service WELCOME TO KIEV Dear Ladies and Sirs !!! Association “Edem-club” invites you to visit very beautiful

Odessa Rental, Apartments for rent in Odessa, Kharkov, Kiev Ukraine
Private Hotel, Apartments for Rent in Odessa, Kharkov, Kiev Ukraine, accommodation, hotel services, low prices, airport transfer, Visa support

Kievgid.com - kiev

kiev
… Send Flowers to Kiev, Gift Delivery Service in Kiev. Flower, Gift, Fruit Basket, Cake … Fast Courier Delivery in Kiev, Ukraine. Belarus Estonia Kazakhstan Kyrgizstan Latvia Lithuania …

Kiev photo gallery
Biztravel.kiev.ua - usefull information about travel to Kiev and Ukraine. … Travel Kiev. Welcome to Kiev - the gateway of Ukraine …

Kyiv - Wikimedia Commons
From Wikimedia Commons. de: Kiew - (Ukrainisch: , Kyiv) -ist die Hauptstadt der Ukraine. en: Kiev is the capital city of Ukraine. nds: Kiew is de H ftstadt vun de Ukrain. Contents. Independence Square

Kiev Camera
Kiev Camera is pleased to offer the Kiev 60 and Kiev 88 medium format cameras and accessories. Each has its own unique features - such as 35mm-like handling or interchangeable backs - that will appeal to a variety of photographic preferences.

Sherborne Guest House
Small hotel offers accommodation in furnished guest apartments in Kiev centre.

A Kiev Woman - American-Owned and Operated Dating Agency
American-owned and operated elite matchmaking agency featuring hundreds of beautiful, sincere Ukrainian ladies looking for love, romance and marriage. … A Kiev Woman is an American-British-German owned and managed dating and matchmaking service for clients who … If you are coming to Kiev to find a foreign bride or …

KSF Software Development Company - Offshore Custom Development and Outsourcing
Kiev Software Factory offers offshore software development services (outsourcing, development of custom desktop and client-server solutions including Web-applications, GIS-based solutions, customized Web design). … Kiev Software Factory, Ltd. is an offshore software development company based in Kiev, Ukraine. We have been providing …

G L O B A L U K R A I N E
. - . .

Kievgid.com - Kiev Class - Project 1143

Kiev Class - Project 1143
GlobalSecurity.org is the leading source for reliable military news and military information, directed by John Pike … The fourth unit of the Kiev-class, the Baku [later renamed Gorshkov], is sometimes considered a separate … bought the retired aircraft carrier Kiev from Russia. The Kiev, which served …

Kievgid.com - Japanese soldier missing since WWII resurfaces in Ukraine

Japanese soldier missing since WWII resurfaces in Ukraine
CBC News - A long-lost Japanese soldier last seen by his family when he left to fight in the Second World War is returning to Japan from Ukraine to see his relatives. The family of Ishinosuke Uwano, now 83, had agreed in 2000 to have him declared dead

Jewish custom aided by Internet
Home News Tribune - OLD BRIDGE The ancient Jewish custom of leasing leavened grain products to non-Jews during Passover has taken on a modern twist. Jews worldwide now use the Internet to find willing buyers for the pasta, cookies and crackers they must part with

More Ukraine News
ESPN Soccernet - Yvegeny Sukhina, a goalkeeper with Ukrainian club Simferopol Krymteplitsy, has been found dead from carbon monoxide poisoning, Ukrainian media reported on Monday. France have given up hope of reaching an agreement with Ukraine over their Euro 2008

Home > Short Publications > Energy Security, National Security, and
American Enterprise Institute - For the past four decades, discussions of energy security and the security implications of energy supplies have focused on oil. But, increasingly, this focus will appear to be too narrow. If current trends continue, the United States will face a

Kievgid.com - Kyiv, Ukraine Forecast : Weather Underground

Kyiv, Ukraine Forecast : Weather Underground
Find the Weather for any City, State or ZIP Code, or Airport Code or Country. Email: Password: Wunder Photos. View More Photos: Maps. United States. International. Information. Vacation Deals. Condos and Vacations. Kyiv Singles. Bodybuilding Supplements

My Kiev’s Journal
Below are the 20 most recent journal entries recorded in My Kiev’s LiveJournal: Wednesday, April 12th, 2006. 4:47 pm. [for_to4ka] :

kiev
… Send Flowers to Kiev, Gift Delivery Service in Kiev. Flower, Gift, Fruit Basket, Cake … Fast Courier Delivery in Kiev, Ukraine. Belarus Estonia Kazakhstan Kyrgizstan Latvia Lithuania …

Kievgid.com - Payday loan: A Complete overview

From different surveys, it is seen that the number of customers taking payday loan as well as payday lending companies are increasing frequently. If you are a person taking the payday loan for the first time or want to gather information regarding payday loan, then this article will be of great help to you.

Definition of payday loan:-

Payday loan is a very short term loan. Usually the term is 1-2 weeks. There are other names of payday loan like - Cash Advance , Paycheck loan , Check loans , and Payroll advance loans . After you get your paycheck, the loan is to be repaid. If you can not repay the loan amount plus lender s charges for payday loan on your payday, you can rollover the loan amount by paying extra fees to the lender plus you have to pay the interest along with for the rollover period. So, payday loan can be termed a Loan Sharking .

Necessity of payday loan:-

By the end of the month, you may face some problems in maintaining some urgent family expenses like paying off your Medical Bills, Phone Bills, and Electric Bills, House Rent or some other utility bills. These things usually happen when you fail to maintain a proper budget at the time of getting your paychecks or not keeping your expenses up to your income limit. Hence in order to meet such urgent expenses you need a payday loan.

Payday loan companies:-

There are so many companies who are promoting check cashing facilities online. Besides some banks and other financial institutions also provides you with a payday loan. You can apply online for a payday loan or you can visit physically to an institution to avail a payday loan.

Conditions to be satisfied to get an instant payday loan:-

The criterions of different payday loan companies are-
1. You must have a job or there should be a regular source of income.
2. You should have a Checking A/c in a bank.
3. You should be an US citizen.
4. You should be at least 18 years of age.
5. Your monthly income should be at least $1000 Per Month.
For more, please visit http://www.ampmcash.com/quick-approval.html

Best application time of payday loan:-

If you apply for the loan from Monday to Thursday, you will get the loan on the next working day, i.e. Tuesday to Friday. If you apply for the loan on Friday, then you will get the loan on the next Monday, and if you apply on Saturday or Sunday, you will get the loan on Tuesday.
So the best time to apply for the loan is Monday to Thursday.

When will you get the money?

As the process is very simple to get the loan amount, in general you will get your loan amount within 24 hours of application. Company will check your documents and verify your data with an automated system named as VPN Based software, and then approve your loan. The entire process of verification of your identity and depositing the money to your Checking A/c takes 24 hours of time. There are some companies who will deposit the loan amount in less than 24 hours.

Costs of payday loan:-

Usually a payday loan company charges 15 to 30 USD per $100 borrowed. So, if you borrow $100, you will have to pay 115 to 130 USD on the very next payday. The APR of payday loan cash advance interest boosts up to 391%.

Maximum limit of payday loan:-

If you are taking a payday loan for the first time, you may get up to $500 for the first time. After you repay back your first loan amount in time, you can avail more than $500 when you revisit the company for another payday loan.

Think before taking a payday loan:-

1. You should keep in mind the APR factor of the loan before taking it. You should find the company which is charging a lower APR than its competitors.
2. You should take care about the privacy of your document and information. So, if the tendency of the company is to process applicant s information in an encrypted page, you should think that your information will not be licked out, and then you can proceed on.
3. You should read the company policy and legal matters complied with before submitting an application form to them.

Repayment of payday loan:-

The lender company will take the money off from your checking A/c on the date of your payday. You should be ready and aware about your payday and the amount to be repaid. If you fail to repay the loan on the scheduled date then you may have to ask the lender to rollover your loan amount.

Alternatives to payday loan:-

1. In order to avoid taking such high interest loan like payday loan cash advance, you should make an appropriate budget which is according to your income.
2. You may also save certain amount of money from your paycheck every time you get it.
3. Before taking a payday loan cash advance, you should be looking for a loan from a friend or relative as they will not take any interest for lending the money to you. Another thing is also involved here that if you not be able to repay the money in future, you may not have to run away from your creditors. For more information regarding alternatives to payday loan, visit to-http://www.ampmcash.com/loan-alternative.html

Angelina Rosario is an Author of http://www.ampmcash.com/ and she is currently working with http://www.ampmcash.com/faq/ To contact her, mail to:elizabeth@ampmcash.com

Kievgid.com - Want to Work from Home? Ever Given a Thought to Telecommuting?

There are many mistaken definitions of what telecommuting means. The very name gives the impression of someone answering work telephone calls from home or typing furiously away at their computers.

Traditionally, telecommuting meant that an employee was linked from home to their company s computer network. But today telecommuting is much broader than that and really includes anyone who does even a portion of his or her work at home. This can include the computer or telephone work the name implies, but it can also mean researching, working on drawings, or performing other types of information analysis. Telecommuting really is as simple as a person working from somewhere outside the office.

There is also a misconception among many of today s workers that you have to own a business to work from your home. This just isn t always the case anymore. More and more people are able to perform their jobs from home. Now more than ever the business world is realizing the variety of benefits telecommuting can have on companies and their personnel.

Exactly what are the benefits of telecommuting? Here are just a few:

1. Less time for commuting means more time with the family.

Even if a worker s commute is only 30 minutes each way, which isn t much in today s business world, not having to take this commute can add an extra 5 hours a week an employee can spend with his or her family. This is 5 hours the employee wasn t previously working or doing personal things. Just 5 hours of dead time during the week getting from one spot to another.

2. Telecommuting can also provide a person with the ability to handle personal appointments without having to take entire days off.

Employees can take an hour or two through the day to go to doctor appointments or school conferences close to their homes and simply make up the time later in the day. This can equal higher productivity for employees.

3. Less commuting can reduce an employee s costs.

For many of today s employees, the price of gas and car maintenance is on the rise. These costs associated with going to the office can be greatly reduced by telecommuting even a couple of days a week. Many workers today even say they would take a job making a little less money if they had the opportunity to telecommute. This can truly be a win-win situation for the employer and employee.

4. Less distraction equals more work.

It s no secret that often the hardest place to work is at the office. There is a world of distractions there ranging from ringing telephones to chatty co-workers. Even telecommuting part of the time can reduce these distractions and make work more efficient. And if everyone comes to the office at least one common day a week, meetings and review sessions can be held on this day and the rest of the week left for more intense work.

There are some challenges to telecommuting for both employees and their companies, but if you really want to telecommute most of these can be handled with a few simple strategies:

1. Communicate.

If your employer feels face-to-face communication is important for your business, suggest that all of the employees come to the office on at least one common day a week. Meetings can be held on these days, and you can go over what you ve accomplished while on your telecommuting days.

2. Set and track goals and progress.

One of the biggest fears of employers when it comes to the idea of telecommuting is that they don t have any way to monitor what the employee is doing through the workday. It takes a lot of trust to assume an employee is hard at work when they are out of the boss s sights. Help eliminate this concern by coming up with ways to track and share your progress. This will also help you make sure you are making the most of your opportunity while still fulfilling your work responsibilities.

3. Delineate between your workspace and your personal space.

It s just good practice to have a spot designated for your work. Even if it is the kitchen table, set yourself up in the morning and pack your things back up in the evening when work time is finished. This will help you stay on track when working, and not be tempted to work when it is your personal time. It will also serve as an indicator to your family of when you are working and preferably not to be disturbed.

If you are looking for more information on telecommuting, such as how to approach your boss with the idea, you can contact The American Telecommuting Association for some more information. They sell some booklets on telecommuting topics, but their site (http://www.knowledgetree.com/ata.html) also has free information available.

Vishal P. Rao is the owner of http://www.home-based-business-opportunities.com - One of Internet’s leading website dedicated to starting, managing and marketing a home based business.

Kievgid.com - Ukraine web cameras. Kiev ( Kyiv )

Ukraine web cameras. Kiev ( Kyiv )
SAM TRAVEL COMPANY provides full range of travel services in Ukraine (Kiev). It is one of the leading agencies in Ukraine. Web camera. Hotel reservation.

www.day.kiev.ua/
Similar pages

Kiev.info
Guide to Kiev by Optima Tours, a travel company based in Russia. Local information, hotels, travel tips and details of services provided by the company.

Kyiv (Kiev) Travel Guide. Everything you might want to know about
Kiev (Kyiv) City Guide is a comprehesive reference to the capital of Ukraine. Useful telephones, services, places to visit, places to eat, shopping, hotels.

Kiev Camera
Offering Kiev cameras and accessories, including the Kiev 88 and Kiev 60 medium format cameras, and Kiev 19M and Kiev 35A 35mm cameras. Atlanta, GA.

US Embassy Kiev - Select language
With information on applying for a visa, and a CV of the ambassador.

KPnews.com
Daily News on Ukraine.

  • Sections:

    • Uncategorized
  • Archives

    • December 2006
    • April 2006
    • February 2006
    • January 2006
    • December 2005
    • November 2005
  • Meta:

    • Login
money ideas more money tips money tips