Frugal Living http://www.wisebread.com/taxonomy/term/4800/all/more/more en-US Who Pays For the Bridesmaid Dresses When . . . ? http://www.wisebread.com/who-pays-for-the-bridesmaid-dresses-when <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/who-pays-for-the-bridesmaid-dresses-when" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/wedding_party_000011204768.jpg" alt="Women in bridesmaid dresses with bride at wedding" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>If you Google &quot;Who pays for bridesmaid dresses?&quot; hoping to walk away with answers, you're in for a massive disappointment. From experts at The Knot to <em>Say Yes to the Dress</em>, it seems that nobody can agree about whose responsibility it is to foot the bridal party's bill! Because every wedding is different, there is no &quot;right&quot; way to handle bridesmaid costs, but we can give suggestions based on unique situations. If you're a bride who's struggling to determine the proper etiquette for your big day, read on.</p> <h2>The Dresses Are Really Expensive</h2> <p>As a general rule, the bride should not require bridesmaids to pay for their dresses if her pick is astronomically pricey, say $300 or higher. Either cover the cost, pitch in to help pay for the expensive dress, or decide on something that's affordable for everybody!</p> <p><strong>The verdict:</strong> Bride pays, or at least helps pay, when the chosen dress costs a lot.</p> <p>RELATED: <a href="http://www.popsugar.com/smart-living/Save-Money-Free-Apps-13358326?stream_view=1#photo-13358340" target="_blank">Try These 16 Apps For Free and Save Loads of Money</a></p> <h2>The Gowns Are Custom Made</h2> <p>Getting custom-made gowns is a great idea for wedding parties because each bridesmaid is sure to have a perfectly fitting dress. However, the cost of building a garment from scratch can escalate quickly! In this scenario, the bride should pay for the fabric and trimmings.</p> <p><strong>The verdict:</strong> The bride pays for the fabric, while her bridal party pays for garment construction.</p> <h2>The Only Restriction Is a Common Color Scheme</h2> <p>If you want to stick to a specific color palette for your nuptials but don't care about the bridesmaids' individual dress styles, your maids should be able to choose a dress that they'll wear again. Because of this, they can invest in the pieces themselves.</p> <p><strong>The verdict:</strong> Bridesmaids pay, because they chose the dresses and can wear them again.</p> <h2>The Bridesmaids Are All Young and Broke</h2> <p>If your bridal party is made up of broke college students, the odds are that you're in the same position. Because you might not have the funds to spare for helping your maids in their purchases, try to decide on extremely affordable dress options. Better yet, allow them to wear a dress that they already own!</p> <p><strong>The verdict:</strong> Bridesmaids pay, but the dresses must be extremely inexpensive. Otherwise, the bride should cover their cost.</p> <p>RELATED: <a href="http://www.popsugar.com/smart-living/Free-Ways-Entertain-Yourself-Home-30926585" target="_blank">68 Mostly Free Ways to Entertain Yourself at Home</a></p> <h2>The Bridesmaids Are Making Major Changes or Sacrifices</h2> <p>For bridesmaids with unique personal styles, taking on such an important wedding role can be taxing. Some brides ask their maids to dye their hair, cover tattoos, take out piercings, and so on &mdash; if you're asking your bridesmaids to make these types of major changes for your big day, you should show appreciation by buying their dress.</p> <p><strong>The verdict:</strong> Bride pays, because she's asking the bridesmaid to make other (potentially costly) changes.</p> <h2>It's a Destination Wedding</h2> <p>Destination weddings are expensive for everybody involved. If you're asking your bridesmaids to travel to an exotic location and pay for lodging, you should cover the cost of their outfits.</p> <p><strong>The verdict:</strong> Bride pays, unless she's paying for airfare and lodging.</p> <h2>The Bridesmaids Have Total Freedom</h2> <p>If you're allowing your bridesmaids to choose any dress they want, they should foot the bill. They are able to choose a dress at any cost or skip paying altogether by bringing one from home!</p> <p><strong>The verdict:</strong> The bridesmaids pay for their own dresses, just like regular outfit shopping.</p> <p>RELATED: <a href="http://www.popsugar.com/smart-living/Things-Do-Instead-Spending-Money-34350539" target="_blank">121 Things to Do Instead of Spending Money</a></p> <h2>The Dresses Are Unwearable in the Real World</h2> <p>While we fully support your bridal right to enforce whichever aesthetic you desire for the wedding, you know when the bridesmaid dresses aren't ever going to be worn again. Whether it's a tulle skirt or an unflattering color that sets the dress apart from the norm, be sensitive to your bridesmaids' tastes &mdash; otherwise, you should be the one to pay for their one-time-wear dresses.</p> <p><strong>The verdict:</strong> If the dresses are something only a bride could love, she should consider paying or helping the maids pay.</p> <h2>The Bridal Party Is Gigantic</h2> <p>While it's a sweet gesture for the bride to cover the dress costs for her maids, it becomes a lot harder with a big bridal party. In this event, the bridesmaids should probably cover their own attire.</p> <p><strong>The verdict:</strong> The bridesmaids pay, unless the bride is expecting each maid to drop hundreds of dollars on a dress.</p> <h2>The Bridesmaids Are Covering Other Major Costs</h2> <p>Many brides like to treat their bridesmaids to spa services, mani-pedis, and hair appointments for the wedding. However, if the bridesmaids are covering these costs themselves, it might be nice to buy their dresses instead.</p> <p><strong>The verdict:</strong> Bride pays, because her maids are paying other large wedding costs.</p> <p>RELATED: <a href="http://www.popsugar.com/smart-living/How-Save-5000-Year-37102216" target="_blank">Money-Saving Strategies That Will Make You $5,000 Richer in Just 1 Year</a></p> <h2>The Wedding Is a Backyard, Low-Budget Affair</h2> <p>When funds are extremely tight, the couple likely hasn't designated funds to pay for their attendants' attire. In the event of a low-budget affair, the bridesmaids should pay for their own outfits.</p> <p><strong>The verdict:</strong> The bridesmaids pay.</p> <h2>The Uniform Is Cultural Garb</h2> <p>When a couple decides to marry in a traditional cultural ceremony, many members of the bridal party will be unsure of how to dress. In this scenario, the bride should not only guide her bridesmaids in the process of acquiring a proper outfit for the wedding, but also cover the cost.</p> <p><strong>The verdict:</strong> The bride pays &mdash; cultural garments are often expensive, and her maids will probably never wear them again.</p> <h2>The Bridal Party Is Tiny</h2> <p>When the bride only chooses one or two bridesmaids, it's a nice gesture for her to cover their costs. Understandably, this isn't always possible; sometimes the reason for the small bridal party is a tight budget! If it's a possibility, however, the bride should pay.</p> <p><strong>The verdict:</strong> The bride pays if she's able.</p> <h2>You Were Her Bridesmaid</h2> <p>If you served as a bridesmaid to one of your chosen maids, simply mimic her wedding etiquette. If she asked you to pay, you should do the same . . . or vice versa!</p> <p><strong>The verdict:</strong> It all depends!</p> <div class="field field-type-text field-field-blog-teaser"> <div class="field-items"> <div class="field-item odd"> Figuring out who pays for the bridesmaids&#039; dresses is tough, but depending on the situation, the rules are clear. Try this cheatsheet and good luck! </div> </div> </div> <div class="field field-type-text field-field-guestpost-blurb"> <div class="field-label">Guest Post Blurb:&nbsp;</div> <div class="field-items"> <div class="field-item odd"> <p style="text-align:center;"><a href="http://www.savvysugar.com" style="border:none;"><img alt="" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u921/POPSUGARrgb.jpg" style="height:95px; width:300px" /></a></p> <p><em>This is a guest contribution from our friends at </em><a href="http://www.savvysugar.com/"><em>POPSUGAR Smart Living</em></a><em>. Check out more useful articles from this partner:</em></p> <ul> <li><a href="http://www.popsugar.com/smart-living/Save-Money-Free-Apps-13358326?stream_view=1#photo-31022797">Try These 16 Apps For Free and Save Loads of Money</a></li> <li><a href="http://www.popsugar.com/smart-living/Free-Ways-Entertain-Yourself-Home-30926585">68 Mostly Free Ways to Entertain Yourself at Home</a></li> <li><a href="http://www.popsugar.com/smart-living/Things-Do-Instead-Spending-Money-34350539">121 Things to Do Instead of Spending Money</a></li> <li><a href="http://www.popsugar.com/smart-living/How-Save-5000-Year-37102216">Money-Saving Strategies That Will Make You $5,000 Richer in Just 1 Year</a></li> </ul> <p>&nbsp;</p> </div> </div> </div> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/popsugar-smart-living">POPSUGAR Smart Living</a> of <a href="http://www.wisebread.com/who-pays-for-the-bridesmaid-dresses-when">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-essential-pieces-for-your-capsule-wardrobe">8 Essential Pieces for Your Capsule Wardrobe</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-clothes-shopping-hacks-that-save-time-and-money">9 Clothes Shopping Hacks That Save Time and Money</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-style-secrets-for-women-that-flatter-every-shape">7 Style Secrets for Women That Flatter Every Shape</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-bridesmaid-dress-ideas-from-a-bridesmaid">5 Bridesmaid Dress Ideas From a Bridesmaid</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-greatest-story-ever-sold-is-a-fantasy-covered-in-blood">The Greatest Story Ever Sold is a Fantasy Covered in Blood</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Shopping Style bridesmaids dresses etiquette fashion weddings Fri, 24 Apr 2015 17:00:05 +0000 POPSUGAR Smart Living 1372905 at http://www.wisebread.com 5 Times a Gym Membership Isn't Worth It http://www.wisebread.com/5-times-a-gym-membership-isnt-worth-it <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-times-a-gym-membership-isnt-worth-it" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_gym_000035868972.jpg" alt="Woman realizing her gym membership isn&#039;t worth the money" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Some people swear by their gym sessions and feel joining a fitness club is the best and only way to lose weight or get into shape. However, there are no hard-and-fast weight loss rules, and what works for one person may not work for another.</p> <p>And the truth is, you don't need a gym membership to be physically fit. In fact, depending on your circumstances, joining a gym might be a complete waste of money (just don't tell my personal trainer that). A membership can easily run as much as $120 a month (I live in NYC, so it's a bit pricier than other places)</p> <p>No one's telling you to quit your gym if it's working for you, but if you're on the fence, here are five times when a gym membership isn't worth it.</p> <h2>1. You're Not Fully Committed</h2> <p>You may say that you want to lose weight or improve your health, but if you're not fully committed to the challenge that lies ahead, don't spend money on a gym membership.</p> <p>Losing weight or getting into shape takes more than desire &mdash; it requires action. You'll need to be physically active on a regular basis and you'll need to modify your eating habits. It's pointless to spend an hour at the gym only to go home and fill up on high-calorie, high-fat foods and undo all your hard work.</p> <p>This doesn't mean you should give up on physical activity altogether, but it doesn't make sense to spend $300 to $500 a year and not achieve any of your fitness goals. You're better off canceling the membership until you're ready to commit.</p> <h2>2. It's Too Crowded</h2> <p>If you're pumped and ready to exercise, there's nothing more frustrating than walking into a crowded gym and not being able to find a single piece of available equipment. You might spend more time waiting for equipment to become available than actually working out.</p> <p>Some people hit the gym in the early morning hours or late at night when it's less crowded. But if this routine doesn't work with your schedule, you may not be getting the most out of your membership. The gym isn't the only way to achieve health and fitness goals. You can take what you normally spend on a yearly gym membership and invest in equipment to use around the house, such as a bike, an exercise ball, weights, DVD workouts, etc. (See also: <a href="http://www.wisebread.com/these-at-home-exercises-will-give-you-a-gym-quality-workout-for-free?ref=seealso">At-Home Exercises That Give You a Gym-Quality Workout for Free</a>)</p> <h2>3. You're Too Busy</h2> <p>I believe it's important for everyone to make time for exercise, but if you have a hectic schedule due to juggling work, family, and other personal obligations, it might be cost-effective to cancel your membership and squeeze in a workout whenever you have a few extra minutes throughout the day. You can walk on your lunch break or watch a workout video in the mornings before you get the kids ready for school.</p> <h2>4. You Have Access to a Free Fitness Center</h2> <p>Fitness rooms at a recreation center or apartment complex might be small and have limited options, but the equipment available might be exactly what you need to reach your fitness or weight loss goals. It's also a cheaper alternative to a gym membership and you'll probably deal with fewer people. Some community recreation centers only charge $15 or $20 for an annual membership, which gives you unlimited access to fitness room. And if you live in an apartment complex &mdash; or have a friend who lives in an apartment &mdash; you might have access to a fitness center 24 hours a day.</p> <h2>5. You Need to Save Money</h2> <p>Even if you like the idea of working out at the gym, sometimes we have to face reality and cut costs when living above our means. If you're struggling to pay your bills every month, the money spent on a gym membership can go toward paying a more important household expense. You can still enjoy workouts, but you'll need to find them for free.</p> <p>Some people think they can't get results without their gym or trainer, but many workouts like walking, running, biking, and playing sports can transform your body. Personally I prefer physical activities in which I'm having fun and improving my fitness &mdash; like kickball and dodgeball. There are even plenty of exercises using your own bodyweight to tone and shape, such as push-ups, squats, and lunges, which also are better with a friend. You also can find a fitness-focused Meetup group to join for free, or round up your pals to plan a meeting schedule to work out and support one another.</p> <p><em>Do you know any other times when a gym membership isn't worth it? Let me know in the comments below.</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/5-times-a-gym-membership-isnt-worth-it">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/getting-started-in-indoor-cycle-class">Getting Started in Indoor Cycle Class</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/being-healthy-can-have-big-cash-rewards">Being Healthy Can Have Big Cash Rewards</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/is-the-wii-fit-a-cheap-workout">Is the Wii Fit a cheap workout?</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-road-bikes">The 5 Best Road Bikes</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-quick-workouts-you-can-do-during-commercial-breaks">9 Quick Workouts You Can Do During Commercial Breaks</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Health and Beauty busy schedule fitness gym saving money working out Fri, 24 Apr 2015 15:00:10 +0000 Mikey Rox 1396603 at http://www.wisebread.com 6 Healthy Homemade Yogurt Recipes http://www.wisebread.com/6-healthy-homemade-yogurt-recipes <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-healthy-homemade-yogurt-recipes" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/yogurt_parfait_000016879134.jpg" alt="Delicious impromptu yogurt parfait recipe that will change your life" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>One of my more indulgent grocery expenses is yogurt, and those tubs really add up. It doesn't matter what kind &mdash; plain, Greek, Icelandic, vegan, etc. &mdash; I'm hooked on all those healthy bacteria and tasty flavors.</p> <p>But did you know that you can make yogurt in the comfort and convenience of your own kitchen? It's true. Even better: It costs far less than the cartons at the store. So, go get your apron, 'cause it's yogurt-making time!</p> <h2>1. Crock-Pot Yogurt</h2> <p>What could be easier than simmering DIY <a href="http://moneysavingmom.com/2012/06/homemade-yogurt-in-the-crock-pot.html">yogurt in your slow cooker</a>? Start by pouring half a gallon of milk into your crock pot and setting it on low for just under three hours. Let it sit for three hours more. Then take a few spoonfuls of the warmed milk and mix with a half cup of your favorite yogurt as a starter (it should contain &quot;active cultures&quot; listed on the label). Combine with the rest of the pot, cover with a towel, and let rest for another eight to 12 hours before spooning into airtight containers and transferring to your refrigerator.</p> <h2>2. Countertop Yogurt</h2> <p>This <a href="http://holisticsquid.com/the-easiest-homemade-yogurt-ever/">raw yogurt</a> can be made right atop your kitchen counter. You'll need raw milk, packaged cultures, jars, a nonreactive saucepan, and some clean cloths. Heat your milk in the saucepan until it starts to rise, then let cool to room temperature before stirring in the cultures to create your starter. From there, take one tablespoon of starter and place in a glass jar. Fill the rest up with raw milk (leaving one inch for headspace). Let sit on your countertop overnight, then place in the fridge to set.</p> <h2>3. Coconut Yogurt</h2> <p>This delicious <a href="http://tasty-yummies.com/2014/06/03/how-to-make-coconut-milk-yogurt/">coconut milk yogurt</a> requires just four ingredients. Coconut milk (full fat, canned works best), sweetener, starter (like probiotic powder), and optional thickener. Once you gather these items, the process is simple. Heat the coconut milk and sweetener until just boiling, then allow to cool to 115 degrees Fahrenheit. Stir in the thickener. Once cooled, add the probiotics as well. Then let culture for eight hours to a full day.</p> <h2>4. Almond Milk Yogurt</h2> <p>Another great vegan alternative is this <a href="http://www.lexieskitchen.com/lexies_kitchen/2011/9/14/almond-milk-yogurt-dairy-free.html">almond milk yogurt</a> &mdash; starting with pure almonds. You'll need some additional thickening agents for this mix, including agar agar and arrowroot powder. From there, soak almonds in filtered water overnight. Blend everything in a high-powered blender and strain out solid pieces. You'll heat this milk and combine with the thickeners before adding to a <a href="http://www.amazon.com/gp/product/B000EX16RY/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=390957&amp;creativeASIN=B000EX16RY&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=MXHMNAJTHAEEL5AS">yogurt maker</a> and letting sit another good eight to 10 hours before chilling.</p> <h2>5. Greek Yogurt</h2> <p>Making thick <a href="http://tastykitchen.com/recipes/homemade-ingredients/homemade-greek-yogurt/">Greek yogurt</a> is very much like the processes in the other recipes. The difference is in the straining. So, after you've mixed and heated and set your yogurt, you'll line a colander with cheesecloth. Pour the yogurt inside and gather the corners to let it drain for five hours (or until you reach your desired consistency). That's the secret step.</p> <h2>6. Kefir</h2> <p>I only recently started enjoying <a href="http://www.diynatural.com/how-to-make-kefir/">homemade kefir</a> &mdash; a drinkable yogurt &mdash; as part of my everyday routine. And like most things, you can make it at home using whole ingredients. The key here is fermentation, which occurs when you allow milk to sit with kefir grains for 12 to 48 hours. After this critical part of the process, just pour through a strainer, store, and retain grains for future kefir-making sessions.</p> <p><em>Have you made yogurt at home? What's your favorite method?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-marcin">Ashley Marcin</a> of <a href="http://www.wisebread.com/6-healthy-homemade-yogurt-recipes">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-3"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-indulgent-desserts-that-are-actually-good-for-you">10 Indulgent Desserts That Are Actually Good for You</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/15-creative-delicious-things-you-can-make-in-a-blender">15 Creative, Delicious Things You Can Make in a Blender</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/14-cool-uses-for-a-blender">14 Cool Uses for a Blender</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/35-mouth-watering-lentil-recipes">35 Mouth Watering Lentil Recipes</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/50-ways-to-use-canned-salmon">50 Ways to Use Canned Salmon</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Food and Drink crock pot dairy health foods Homemade recipes vegan yogurt Fri, 24 Apr 2015 09:00:09 +0000 Ashley Marcin 1396577 at http://www.wisebread.com A Credit Card That Rewards You for Online Shopping: AT&T Access More Card From Citi http://www.wisebread.com/a-credit-card-that-rewards-you-for-online-shopping-att-access-more-card-from-citi <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/a-credit-card-that-rewards-you-for-online-shopping-att-access-more-card-from-citi" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_online_shopping_credit_card_000019207189.jpg" alt="Woman online shopping with credit card" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Online shopping has never been as easy or as popular as it is today. It's pretty hard to not indulge in the convenience of ordering the things you need and want from the comfort of your own home and then having it delivered right to you. But what if it was possible to make your online shopping trips even more rewarding? With the <a href="http://www.tkqlhce.com/click-2822544-12166125-1429794000000?sid=tran-1397912">AT&amp;T Access More Card from Citi</a>, you can earn bonus points on your online purchases. The benefits get even better if you're an AT&amp;T customer as well.</p> <h2>Some Card Highlights</h2> <ul> <li>Exclusive New Phone Offer.<br /> &nbsp;</li> <li>3 ThankYou Points for every $1 you spend on purchases made at retail and travel websites.<br /> &nbsp;</li> <li>3 ThankYou Points for every $1 you spend on products and services purchased directly from AT&amp;T.<br /> &nbsp;</li> <li>1 point earned for every $1 you spend on other purchases.<br /> &nbsp;</li> <li>10,000 Anniversary bonus points after you spend $10,000 in the prior cardmembership year.</li> </ul> <p><a href="http://www.tkqlhce.com/click-2822544-12166125-1429794000000?sid=tran-1397912"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/apply-now.png" alt="" /></a></p> <h2>How This Card Works</h2> <p>Cardholders can earn 3 ThankYou Points for every dollar they spend on online purchases at retail and travel websites. Additionally, you can also earn 3 ThankYou Points for every dollar you spend on products and services purchased directly from AT&amp;T. That includes cell phones, internet service, cable TV, and more. You'll also earn 1 ThankYou Point for every dollar you spend on other purchases. There is a $95 annual fee.</p> <p>Your ThankYou Points can be used to redeem a wide variety of exciting rewards through Citi's ThankYou Rewards network, including travel rewards, gift cards, electronics, and AT&amp;T products and services.&nbsp;</p> <p>There is a current <strong>sign up bonus</strong> for a new phone! Spend $2,000 in purchases within the first 3 months of account opening. Make your phone purchase (from AT&amp;T) on your card, then activate and maintain service with AT&amp;T for 15 days. You will receive a credit on your card for the cost of the phone (up to $650).</p> <h2>Other Benefits</h2> <p>This card comes with a number of Citi purchase protection benefits, including extended warranty, Damage &amp; Theft Protection, and Citi Price Rewind, a feature which allows you to receive a refund based on the price difference of an item you have purchased should a new and lower price appear within 60 days from the purchase date. There are also travel protection benefits included with the card, such as car rental and travel accident insurance and trip cancellation and interruption protection. This card is also equipped with EMV chip technology for added security.</p> <h2>Costs</h2> <p>The standard variable APR on this card is 14.99%-22.99%. There's a foreign transaction fee of 3% along with an annual fee of $95.</p> <h2>Pros</h2> <p>It's rare to find a credit card that offers rewards points specifically on purchases you make online, and being able to earn 3x points on those online purchases is a pretty significant deal. Also, if you're already an AT&amp;T customer, you'll earn 3x points on costs you're already incurring with no extra work. Considering the fact that this card is also backed by Citi's excellent purchase protection benefits, such as Citi Price Rewind, it's easily one of the best credit cards you can use for your Internet-based purchases.&nbsp;</p> <h2>Cons</h2> <p>If you prefer to do you shopping offline than online, or if you don't see yourself using AT&amp;T's products and services, then this card probably won't be the best fit for you. The annual fee and APR on the card isn't the most ideal either.&nbsp;</p> <h2>Who This Card Is Best For</h2> <p>Frequent online shoppers and fans of AT&amp;T's products and services have the most to benefit from this card, given the 3x points you can earn for making those purchases. But casual online shoppers should also consider checking out this credit card as well, as it's not often that you see a card offer such significant rewards for making purchases online. The exclusive new phone offer can also be a very attractive bonus for people looking to find a great deal on a new smartphone.</p> <p>While the $95 annual fee may be a bit steep, it can certainly be easier to bear if you take advantage of the rewards that benefit your online shopping lifestyle.</p> <p><a href="http://www.tkqlhce.com/click-2822544-12166125-1429794000000?sid=tran-1397912"><strong>Click here to apply for the AT&amp;T Access More Card from Citi today!</strong></a></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/william-tran">William Tran</a> of <a href="http://www.wisebread.com/a-credit-card-that-rewards-you-for-online-shopping-att-access-more-card-from-citi">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-4"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/citi-thankyou-premier-rewards-for-everyday-travel">Citi ThankYou Premier: Rewards for Everyday Travel</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/citi-prestige-card-world-class-benefits">Citi Prestige Card: World Class Benefits</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/citi-hilton-hhonors-reserve-enjoy-more-free-stays">Citi Hilton HHonors Reserve: Enjoy More Free Stays</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/citi-hilton-hhonors-visa-signature-card-big-rewards-with-no-annual-fee">Citi Hilton HHonors Visa Signature Card: Big Rewards with No Annual Fee</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/for-all-those-nights-on-the-town-citi-thankyou-preferred-credit-card">For All Those Nights on the Town: Citi ThankYou Preferred Credit Card</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards Shopping AT&T Citi credit card review Thu, 23 Apr 2015 22:51:22 +0000 William Tran 1397912 at http://www.wisebread.com Which Workout Foods Are Actually Worth the Money? http://www.wisebread.com/which-workout-foods-are-actually-worth-the-money <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/which-workout-foods-are-actually-worth-the-money" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_healthy_eating_000058507940.jpg" alt="Woman deciding which workout foods are actually worth the money" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>So you want to lose weight, or get stronger, or have more energy, or feel better. Well, there's probably a supplement for that. Be it a protein bar, a meal-replacement drink, or a meal supplement, there are a million products out there that claim to help your health.</p> <p>But these products are usually more expensive than plain old food, and almost everyone you talk to will recommend something different. So how do you know what will work for you? How do you know what <em>actually works</em>, period?</p> <p>Well, checking out the list below is a good place to start.</p> <h2>Protein Bars</h2> <p>Why in the world would you want to eat a protein bar? Well, studies show that weightlifters who eat three of these bars a day will gain significantly more <a href="http://www.ncbi.nlm.nih.gov/pmc/articles/PMC539287/?tool=pubmed">lean muscle mass</a> than the ones who don't. So if you're looking to <a href="http://www.eattoperform.com/2015/04/08/real-worldwide-epidemic-not-obesity-paul-nobles/">gain muscle</a> &mdash; as many of us probably should be &mdash; protein bars can probably help.</p> <p>But there are a million types of protein bars out there, even more that claim to be healthy but aren't necessarily focused on protein. How in the world do you choose the ones that will help you and not tank your entire self-improvement project?</p> <p>When it comes to protein bars (or any bars, for that matter), the biggest danger is sugar. Many of these bars, even the ones loaded with good protein, have as <a href="http://www.leanitup.com/review-the-protein-bar-power-rankings-30-popular-bars-torn-apart-and-ranked/">much sugar as a candy bar</a>. While these will taste good, and the protein might help you, no one needs that much added sugar in their lives.</p> <p>You also want a protein bar that contains high quality protein. Some experts recommend <a href="http://www.builtlean.com/2013/05/08/healthy-protein-bar/">whey protein</a>, or a blend of whey and casein. They claim that soy protein is often easier for manufacturers to get and is usually cheaper, but it can be harder for your body to utilize. Studies, however, show that <a href="http://www.ncbi.nlm.nih.gov/pubmed/15588291">athletes consuming soy protein</a> have muscle mass gains, too. So look for whey, casein, or soy protein, because the best bars will be full of these.</p> <p>When you want to buy a protein bar, the best thing you can do is read the label. Make sure the bar actually focuses on protein, doesn't have too much sugar, and is made from quality ingredients. If you need some help, there are a few websites out there that recommend particular bars or offer a comparison or ranking. If you can find high quality bar that helps you meet your goals, these are definitely worth your money.</p> <h2>Shakes and Drinks</h2> <p>Shakes and drinks can fall into several categories. First, there are the ones focused on delivering protein. These are basically protein bars in a can (or a glass or shaker). As such, they should be examined and purchased based on the parameters outlined above. Avoid sugar and poor quality ingredients, and you're good.</p> <p>Other people use drinks or shakes as meal replacements, often in order to lose weight. Drinking a shake can be easier than eating, especially if you end up skipping meals because you're always on the go. They also provide you a set number of calories, so you don't have to think about calorie-counting or recording detailed data about everything you eat.</p> <p>If you decide to buy some meal replacement beverages, there are some things you should think about:</p> <ul> <li>Sugar. Once again, many of these drinks only taste good because they're full of sugar.<br /> &nbsp;</li> <li><a href="http://mothernaturesdiet.me/2013/12/17/meal-replacement-drinks-the-bad-the-worse-and-the-plain-ugly/">Fake ingredients</a>. If eating clean is important to you, most of the drinks on the market won't qualify.<br /> &nbsp;</li> <li>Price. Some meal replacement beverages are very expensive. Unless they offer something that another drink doesn't, avoid these.<br /> &nbsp;</li> <li>Your long term plan. Do you want to buy shakes forever? Will you eventually transition back to food? And how do you plan to not regain weight if you make that transition?</li> </ul> <p>If you decide to look for shakes in order to lose weight, you can get some guidance online regarding which ones might be healthiest for you. Check them out for yourself, though, before you buy a case, to make sure they are worth your money.</p> <h2>Meal Supplements</h2> <p>We talked about the bars and shakes above, but any other meal supplements you choose will be based on your overall health and physical goals. For instance, if improved weightlifting is your goal, you may want to try <a href="http://www.webmd.com/diet/truth-behind-top-10-dietary-supplements?page=3">creatine or caffeine</a>. If your joints hurt, glucosamine may help you reach your goals. Many doctors recommend vitamin D to almost everyone, because most of us don't get enough.</p> <p>Speaking of your doctor, before you start any supplements, it's a good idea to give him or her a call. Sure, everyone says that, but we say it because it's true. Some supplements can be hard on your kidneys or liver (like creatine), especially if you have a history of problems or tend to be sensitive to supplementation. And if your doctor has concerns about a particular supplement, they may be able to offer you another option that will work better with your body.</p> <p><em>Do you use any of the products mentioned in this article? How do you decide whether they're worth your money?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/sarah-winfrey">Sarah Winfrey</a> of <a href="http://www.wisebread.com/which-workout-foods-are-actually-worth-the-money">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-5"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/need-to-lose-some-weight-put-some-money-on-it">Need To Lose Some Weight? Put Some Money On It!</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/imagine-eating-to-lose-weight-and-save-money">Imagine Eating to Lose Weight (and Save Money)</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-health-rules-you-should-be-breaking">6 Health Rules You Should Be Breaking</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/20-great-body-weight-exercises-and-why-you-should-do-them">20 Great Body Weight Exercises (and Why You Should Do Them)</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/ready-to-eat-meals-for-weight-loss-can-they-fit-into-your-food-budget">Ready-to-Eat Meals for Weight Loss: Can They Fit into Your Food Budget?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty building muscle dieting losing weight meal supplements protein bars protein shakes Thu, 23 Apr 2015 13:00:08 +0000 Sarah Winfrey 1393779 at http://www.wisebread.com 5 Easy Ways to Save on Groceries in a Pinch http://www.wisebread.com/5-easy-ways-to-save-on-groceries-in-a-pinch <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-easy-ways-to-save-on-groceries-in-a-pinch" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_holding_groceries_000026443745.jpg" alt="Crafty woman saving money on groceries in a pinch" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Do you need to cut your budget &mdash; and fast? Stuff like blown tires, broken furnaces, and other unexpected expenses have to come from somewhere, and so many of our regular monthly expenses are fixed bills we can't do much to budge.</p> <p>So here are some ways you can dramatically cut your grocery bill in a pinch to redirect some of your hard earned dollars elsewhere. (See also: <a href="http://www.wisebread.com/how-to-eat-well-on-just-20-a-week-with-meal-plans?ref=seealso">How to Eat Well on Just $20 a Week</a>)</p> <h2>1. Dig Deep</h2> <p>Before heading to the store, dig into all your cabinets and drawers to assess what you have in stock. Pasta and rice can be dressed up to make delicious meals with few ingredients added &mdash; here are some <a href="http://www.wisebread.com/25-new-ways-to-spice-up-rice">recipes for inspiration</a>. A simple <a href="http://www.wisebread.com/50-ways-to-use-canned-salmon">can of salmon</a> can be transformed into a salad, sandwich, or soup. You may even discover some foods hiding around that are nearing their expiration dates. If you're stuck, try tools like <a href="http://www.supercook.com/">Supercook</a>, which allow you to look up recipes by searching the ingredients you already have at home.</p> <h2>2. Go Vegetarian</h2> <p>Some of the most expensive items in your cart? Meat and seafood. If you're up for it, try eating a vegetable-based diet for a period of time. It's likely your cheapest meal alternative. You don't need to worry about protein since you'll find plenty in inexpensive sources like eggs, tofu, nuts, etc. And if you think you can cut dairy, that's more savings. There are millions of people thriving on vegan diets around the globe. Who knows! You might even lose a few pounds. (See also: <a href="http://www.wisebread.com/35-slow-cooker-recipes-for-busy-or-lazy-vegetarians?ref=seealso">35 Slow Cooker Recipes for Busy Vegetarians</a>)</p> <h2>3. Plan Accordingly</h2> <p>It sounds counterintuitive, but meal planning might be costing you money. Variety can be tricky and require lots of expensive ingredients if you aren't careful. Though you want to keep a good balance of nutrients in your diet, try choosing a few cheap, satisfying meals that might sustain you all week long. We keep our breakfasts and lunches very simple: Usually oatmeal with banana and homemade hummus sandwiches with chopped raw veggies. For dinner, consider sticking to meals that use similar ingredients but have different flavors or textures. Pizza and pasta make a good duo, as do taco salad and quesadillas, for example. (See also: <a href="http://www.wisebread.com/35-grocery-items-you-should-make-at-home-and-5-to-buy?ref=seealso">35 Grocery Items You Should Make at Home</a>)</p> <h2>4. Substitute Similar</h2> <p>Have your heart set on certain recipes? Try <a href="http://www.wisebread.com/20-recipe-substitutions-that-save-money-and-prevent-food-waste">substituting ingredients</a> that you might already have at home versus buying new. There are a number of foods that can easily swap in similar ratios to get tasty results. The best part is that you'll not just save money this way, you'll also eliminate food waste and learn some new culinary tricks.</p> <h2>5. Track and Plan Ahead</h2> <p>I often shop at Wegmans. Something that's really helped save me money is using the <a href="http://www.wegmans.com/mobile">Wegmans app</a> to plan my trip in advance. I make an organized list on my phone &mdash; including the prices at my store that get tallied up at the end. That way, if I stick to the list, I know exactly how much I'll be spending (provided I don't grab something random off the shelf). A growing number of stores offer similar apps &mdash; like <a href="http://www.safeway.com/ShopStores/Get-Connected-Mobile-Apps.page">Safeway</a>, <a href="http://www.kroger.com/topic/mobile-app">Kroger</a>, and <a href="http://www.wholefoodsmarket.com/apps">Whole Foods</a> &mdash; giving you the power to write lists or even snag coupons.</p> <p><em>Have you had to cut food costs fast? Tell us how you did it in comments.</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-marcin">Ashley Marcin</a> of <a href="http://www.wisebread.com/5-easy-ways-to-save-on-groceries-in-a-pinch">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-6"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/20-easy-ways-to-stretch-your-grocery-dollars">20 Easy Ways to Stretch Your Grocery Dollars</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/13-ways-you-can-cut-grocery-expenses-today">13 Ways You Can Cut Grocery Expenses Today</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-best-5-credit-cards-for-groceries">The 5 Best Credit Cards for Groceries</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/breaking-the-bread-code-how-to-get-the-freshest-loaf">Breaking the Bread Code: How to Get the Freshest Loaf</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-best-and-worst-times-to-go-grocery-shopping">The Best and Worst Times to Go Grocery Shopping</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Food and Drink Shopping Cooking dinners groceries meal planning saving money Thu, 23 Apr 2015 11:00:10 +0000 Ashley Marcin 1393781 at http://www.wisebread.com Best Money Tips: 10 Foods You Should Be Eating Raw http://www.wisebread.com/best-money-tips-10-foods-you-should-be-eating-raw <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-10-foods-you-should-be-eating-raw" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_raw_food_000018499728.jpg" alt="Woman eating healthy foods raw" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found some great articles on food that are healthier if eaten raw, DIY car maintenance every adult should know, and ways to conquer shyness.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.lifehack.org/articles/lifestyle/10-foods-you-may-not-know-its-healthier-eat-raw.html">10 Foods You May Not Know that Are Healthier to Eat Raw</a> &mdash; You're able to absorb sulfuraphane (a super helpful compound) more quickly when you eat broccoli raw compared to cooked.[Lifehack.org]</p> <p><a href="http://www.moneyunder30.com/diy-car-maintenance-every-adult-should-know">DIY Car Maintenance Every Adult Should Know</a> &mdash; Knowing how to check and refill your engine oil level will help keep your car up and running longer. [Money Under 30]</p> <p><a href="http://www.pickthebrain.com/blog/15-tips-anyone-can-use-conquer-shyness/">15 Tips Anyone Can Use to Conquer Shyness</a> &mdash; Have a few conversation in mind so you're ready for every encounter. [Pick The Brain]</p> <p><a href="http://www.popsugar.com/smart-living/Dollar-Store-Item-DIY-Projects-22623041">36 Dollar-Store DIY Projects to Try Out</a> &mdash; Make a Spring table runner with dish towels from the dollar store! [PopSugar Smart Living]</p> <p><a href="http://www.csmonitor.com/Business/Saving-Money/2015/0419/These-three-mistakes-could-cost-you-thousands-in-retirement-savings">These three mistakes could cost you thousands in retirement savings</a> &mdash; Don't accept low rates of return. Go over your investment options and find a good balance between the risk and earnings. A 1-2% increase in earnings now will make a big difference later!&nbsp;[The Monitor]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.carefulcents.com/quit-your-job-gracefully/">How to Quit Your Job Without Burning Bridges</a> &mdash; Always tell your employer or supervisor that you're leaving before you tell your co-workers or anyone else. [Careful Cents]</p> <p><a href="http://afewshortcuts.com/2015/04/7-tips-for-healthy-hair">7 Tips for Healthy Hair</a> &mdash; Give your hair a break from tight hair ties to prevent breakage, or opt for loose-fitting creaseless ties. [A Few Short Cuts]</p> <p><a href="http://www.shebudgets.com/food-drink/10-delicious-meals-secret-ingredients-wont-believe">10 Delicious Meals with Secret Ingredients You Won&rsquo;t Believe</a> &mdash; Using coconut oil in banana bread will make it a bit denser, healthier, and more amazing. [SheBudgets]</p> <p><a href="http://thinksimplenow.com/communication/how-to-listen">4 Things Good Listeners Do</a> &mdash; Good listeners ask questions &mdash; it helps the other person feel heard and makes the details of the conversation easier to remember. [Think Simple Now]</p> <p><a href="http://parentingsquad.com/how-to-encourage-your-child-s-school-to-use-more-technology">How to Encourage Your Child&rsquo;s School to Use More Technology</a> &mdash; It's expensive to equip an entire school district with the tech essentials. You can help raise funds by researching applicable loans and grants. [Parenting Squad]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/amy-lu">Amy Lu</a> of <a href="http://www.wisebread.com/best-money-tips-10-foods-you-should-be-eating-raw">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-7"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/gluten-free-carb-free-noodles">Gluten-Free, Carb-Free Noodles</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-easy-ways-to-save-on-groceries-in-a-pinch">5 Easy Ways to Save on Groceries in a Pinch</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-healthy-homemade-yogurt-recipes">6 Healthy Homemade Yogurt Recipes</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/25-quick-cheap-lunch-ideas">25 Quick, Cheap Lunch Ideas</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/35-slow-cooker-recipes-for-busy-or-lazy-vegetarians">35 Slow Cooker Recipes for Busy (or Lazy) Vegetarians</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Food and Drink best money tips raw food Wed, 22 Apr 2015 19:00:08 +0000 Amy Lu 1397674 at http://www.wisebread.com 4 Green Home Rebates That Save You Big in 2015 http://www.wisebread.com/4-green-home-rebates-that-save-you-big-in-2015 <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/4-green-home-rebates-that-save-you-big-in-2015" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/solar_panels_000016723163_0.jpg" alt="Solar panels are green energy option for home rebate" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>For the first time, I'm beginning to seriously consider buying a home and I'm deep into the research and learning phase. One of the aspects I'm most intrigued by these days is how to perform a &quot;green&quot; renovation on an existing home. I've been happy to learn that there are multiple green rebates and credits that you can use in 2015 toward specific green improvements.</p> <h2>1. Geothermal Heat Pumps</h2> <p>Not surprisingly, energy consumption is one of the key areas that benefit from tax credits. <a href="http://www.energystar.gov/about/federal_tax_credits/geothermal_heat_pumps">Geothermal heat pumps</a> are renewable energy appliances that are not only good for the environment, but also an incredibly comfortable way to heat and cool your home. These heat pumps utilize the ground to generate hot water, heat, and air conditioning, unlike traditional heat pumps which utilize air. Geothermal heat pumps are more efficient &mdash; and therefore less expensive &mdash; to run than traditional heat pumps.</p> <h2>2. Small Wind Turbines</h2> <p>Windmills may conjure visions of Holland or Don Quixote. But they should also give you visions of green, as in green energy and green back in your pocket. <a href="http://www.energystar.gov/about/federal_tax_credits/small_wind_turbines">Small wind turbines</a> convert kinetic wind energy into electricity that connects to your home's electrical system, and homeowners enjoy significant tax credits for their implementation</p> <h2>3. Solar Energy Systems</h2> <p>Solar energy systems have undergone significant innovation over the years, making them more efficient and less expensive than when they first appeared on the residential energy scene. In terms of tax rebates, there are two types of <a href="http://www.energystar.gov/about/federal_tax_credits/solar_energy_systems">solar energy systems</a> that qualify: solar water heaters and solar panels that convert sunlight into electricity. (See also: <a href="http://www.wisebread.com/cut-your-electric-bill-with-solar-panels?ref=seealso">Cut Your Electric Bill With Solar Panels</a>)</p> <h2>4. Fuel Cells</h2> <p>Of all of the green home rebates, the <a href="http://www.energystar.gov/about/federal_tax_credits/fuel_cells">fuel cell</a> is the newest kid on the block. Fuel cells take advantage of the emerging hydrogen economy to power cars and other consumer goods that have traditionally been powered by fossil fuels. They offer a much cleaner alternative to fossil fuels.</p> <p>While these are the formal green home rebates offered by the federal government, there are plenty of other ways to save money (and the environment) with improvements to your home. ENERGY STAR offers an online <a href="https://www.energystar.gov/index.cfm?fuseaction=HOME_ENERGY_YARDSTICK.showGetStarted">Home Energy Yardstick</a> that will help you determine the energy efficiency of your home as it currently stands, and will make suggestions for ways to improve it.</p> <p>These improvements include better insulation and sealing, ENERGY STAR appliances and proper use of light fixtures, and even changes as simple as installing drapes, storm windows, and programmable thermostats. While these improvements don't carry tax rebates, they will help lower your energy costs without compromising your comfort. Good for you, good for the planet.</p> <p><em>How have you made your home more &quot;green&quot;? </em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/christa-avampato">Christa Avampato</a> of <a href="http://www.wisebread.com/4-green-home-rebates-that-save-you-big-in-2015">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-8"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-frugal-ways-to-keep-your-home-warm-this-winter">10 Frugal Ways to Keep Your Home Warm This Winter</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-simple-ways-to-make-your-refrigerator-more-efficient">8 Simple Ways to Make Your Refrigerator More Efficient</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-much-money-will-you-save-with-energy-star-appliances">How Much Money Will You Save With Energy Star Appliances?</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-cheap-and-easy-homemade-mosquito-repellents">4 Cheap and Easy Homemade Mosquito Repellents</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/naturally-get-rid-of-ants-in-your-kitchen">Naturally Get Rid of Ants in Your Kitchen</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Green Living Home Taxes eco friendly energy efficiency rebates renovations solar tax credits wind Wed, 22 Apr 2015 17:00:09 +0000 Christa Avampato 1392475 at http://www.wisebread.com 6 Health Rules You Should Be Breaking http://www.wisebread.com/6-health-rules-you-should-be-breaking <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-health-rules-you-should-be-breaking" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_drinking_water_000020137742.jpg" alt="Woman breaking common health rule about water" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>The real rules of healthful living aren't black and white. But oh-so-many of the tenets of good health we all grew up with &mdash; drink eight glasses of water a day, don't read in the dark &mdash; are precisely that restrictive. Now new research is finding that many of them are also false.</p> <p>&quot;Research is revealing that whoever wrote the old guidelines didn't have the whole picture, and that there are more paths to optimal health than we previously thought,&quot; said Harvard Medical School psychologist Alice Domar.</p> <p>So rule breakers, rejoice! And then read on for our roundup of all the things you thought were good for your health &mdash; but actually aren't.</p> <h2>1. Don't Swim on a Full Stomach</h2> <p>As it turns out, the 30-minute rule every child loathes &mdash; don't get in the water directly after eating &mdash; is a full-blown myth. Though enforced by well-intentioned parents (and begrudgingly followed by their water-loving children), experts have debunked the theory that <a href="http://www.nytimes.com/2005/06/28/health/28real.html?_r=0">swimming on a full stomach</a> leads to cramps, which increases the risk of drowning. In fact, less than 1% of all drownings in the U.S. occur after the victim has eaten a meal.</p> <h2>2. Avoid Reading in Dim Lighting</h2> <p>The notion that reading in a lowly lit room will damage your eyesight is false, although it will <a href="http://www.health.harvard.edu/healthbeat/safeguarding-your-sight">tire your eyes out</a> more quickly. Experts say the best lighting arrangement for a night in with a juicy book is a lamp with an opaque shade pointing directly at the reading material, so as to avoid a glare. However, reading by candlelight won't do you any harm.</p> <h2>3. You Need Eight Hours of Sleep</h2> <p>The ideal amount of sleep is different for everyone, depending on factors like age, genetic makeup, and gender. Ten-year-olds need about nine hours of slumber, while adults older than 30, including senior citizens, require about seven hours. Women tend to sleep longer than men, but only by 14 minutes. &quot;It's not difficult to figure out <a href="http://www.washingtonpost.com/opinions/five-myths-about-sleep/2012/11/21/4e1c9f44-3273-11e2-bb9b-288a310849ee_story.html">how much sleep we need</a>,&quot; writes sleep expert Till Roenneberg. &quot;When we wake up unprompted, feeling refreshed, we have slept enough.&quot;</p> <h2>4. Drink Eight Glasses of Water Per Day</h2> <p>There's simply no scientific evidence to back up this claim. Drinking eight glasses of water certainly won't harm you, but there's no reason to think your health will benefit from meeting this daily threshold. The purpose of drinking water, of course, is to hydrate your body, flush it of toxins, and improve various bodily functions. But most of your required <a href="http://fivethirtyeight.com/features/you-dont-need-8-glasses-of-water-a-day/">daily water intake</a> is contained in foods &mdash; no liquid required.</p> <h2>5. Eat More Fruits and Vegetables</h2> <p>Anything made of vegetables is healthy, right? Not necessarily. A veggie burger is still a burger, and can contain more than 1,000 calories when loaded with toppings and a bun. Plus, the vegetables in these patties undergo a good deal of processing, which zaps many of the nutrients. Another example: Avocados. These delicious green fruits are packed with vitamins, minerals, and&hellip; lots of fats. Healthy fats, but fats nonetheless. In fact, about 85% of the total calories in an avocado come from fat. If you overindulge, you're likely to start packing on the pounds. Even healthy fats can cause weight gain when over-consumed.</p> <p>Dried fruit is another misleading health food. That's because dried fruits are packed with up to eight times more calories as fresh fruit. Fresh grapes, for example, have 60 calories per cup while raisins have 430.</p> <h2>6. Eat Something Every Three Hours</h2> <p>The theory that your <a href="http://www.theiflife.com/eating-more-meals-does-not-speed-up-your-metabolism/">metabolism will crash</a> if you don't snack throughout the day has been debunked. Research shows that it's the amount of food eaten, and not the rate at which it is consumed throughout the day, that determines the health of your metabolism. In fact, those who adhere to a diet of snacks rather than meals run the risk of over-snacking, thereby consuming too many calories for a single day.</p> <p><em>What stale health rules are you happily breaking?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/brittany-lyte">Brittany Lyte</a> of <a href="http://www.wisebread.com/6-health-rules-you-should-be-breaking">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-9"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/which-workout-foods-are-actually-worth-the-money">Which Workout Foods Are Actually Worth the Money?</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-naturally-reset-your-sleep-cycle-overnight">How to Naturally Reset Your Sleep Cycle in One Night</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-get-more-sleep-without-spending-more-time-in-bed">How to Get More Sleep Without Spending More Time in Bed</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/youre-doing-it-wrong-6-health-and-fitness-rules-that-have-changed">You&#039;re Doing It Wrong: 6 Health and Fitness Rules That Have Changed</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/your-sleeping-position-may-be-hurting-you">Your Sleeping Position May Be Hurting You</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty dieting drinking water health rules reading sleep swimming Wed, 22 Apr 2015 11:00:08 +0000 Brittany Lyte 1392476 at http://www.wisebread.com The 5 Best Road Bikes http://www.wisebread.com/the-5-best-road-bikes <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-5-best-road-bikes" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/man_bike_city_000023347045.jpg" alt="Man riding best road bike through town" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Looking for a great way to explore the roads in your area without having to find a walking buddy? Looking into a sturdy, affordable road bike is what you need to get into the groove of riding to see some great scenery, to get in shape, or to start training for a competition. Just because you don&rsquo;t cycle in the Tour de France doesn&rsquo;t mean you don&rsquo;t deserve a great road bike for your own personal enjoyment.</p> <p>Whether you are a competitor or looking to get some great exercise, cycling is a great way to get your heart pumping while getting to explore the local road paths around your neighborhood.</p> <h2>What is a Road Bike?</h2> <p>Just like their name implies, road bikes are bikes built specifically to be used on paved surfaces like roads as opposed to rougher, more erratic terrain. Their tires are thinner than other kinds of bikes, and have very little tread. The construction of these bikes is much lighter than that of others, and they are usually built with derailleur gears, though variations like single speeds also exist.</p> <p>A road bike&rsquo;s handles are wider, perfect for use over longer periods of time while other bikes are not optimized for this kind of comfort. The wider handles can make it a little harder to control this kind of bike, but a road bike&rsquo;s build is unmatched in pavement riding ease and enjoyment. If the roads around your neighborhood are littered with potholes or are notoriously unsmooth, a mountain bike, which is built for more unforgiving terrain might be a better investment. Even so, a good road bike can handle a little bit of gravel or packed dirt, but don&rsquo;t expect the same amount of smoothness or comfort that comes from riding on the pavement.</p> <h2>Top 5 Road Bikes</h2> <h3>Trek Madone 6 Series</h3> <p><a href="http://www.trekbicyclesuperstore.com/product/trek-madone-6.2.-172895-1.htm"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/Trek%20Madone%206%20Series.jpg" width="250" height="150" align="right" alt="" /></a>The <a href="http://www.trekbicyclesuperstore.com/product/trek-madone-6.2.-172895-1.htm">Trek Madone 6 Series</a> is considered the best road bike overall by consumersearch.com, if you are looking to get into hardcore cycling and want a good time-trial bike to get started. A complete redesign from preceding Madone models, the 6 series has been made lighter and more aerodynamically fit with this iteration. This bike took second place for Bike of the Year in 2013 according to Road.cc, and with the improvements made to the Madone design, it&rsquo;s not surprising. The KVF tube shapes create a special condition where the air traveling around the bike treats it as though it is a much deeper shape, making the bike much faster than ever before.</p> <p>One of the major points of enjoyment for this bike is actually the comfort when using the seat. Bikes of this performance level can be uncomfortable, but the Trek Madone series has found a fabulous blend of comfort, performance, and durability. The frame itself is made of optimum compaction low void carbon, making it super stiff but not as heavy. This rigidity is essential in frame longevity and resilience to twisting.</p> <p><em><a href="http://www.trekbicyclesuperstore.com/product/trek-madone-6.2.-172895-1.htm">Currently $2,499.99 on Trek Bicycle Superstore</a></em></p> <h3>Critical Cycles Single Speed Road Bike</h3> <p><a href="http://www.amazon.com/gp/product/B0085HTF38/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B0085HTF38&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=GFDZG75U7YDJNHY7"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/Critical%20Cycles%20Single%20Speed%20Road%20Bike.jpg" width="250" height="200" align="right" alt="" /></a>Considered the best single speed road bike on consumersearch.com, the <a href="http://www.amazon.com/gp/product/B0085HTF38/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B0085HTF38&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=GFDZG75U7YDJNHY7">Critical Cycles Single Speed Road Bike</a> is a good fit if you live in a not too hilly area and want a road bike for a good price. One of the things customers really appreciate about Critical Cycles Single Speed Road Bike is that it comes with many customizable options like color and various upgrades to make your bike the perfect fit for your needs. The frame is made of steel and the bike itself can be fast on the handling. With two modes activated by the flip-flop hub, riders can switch between fixed-gear mode to cruising when switching to single speed mode. The BMX style handlebars make this a great bike for anyone looking to do or learn tricks with this bike.</p> <p>Be aware that the Critical Cycles Single Speed only has one set of brakes in the back, which, according to some users, might wear out more quickly than expected. Its gears are a ratio of 48:16 (petal crank cog to rear crank), making the bike ride smoothly on your average road but struggle once things take a turn for the hilly. If you&rsquo;re still interested in this bike but know your area isn&rsquo;t the most flat, changing the chainring is a suggested course of action.</p> <p><em><a href="http://www.amazon.com/gp/product/B0085HTF38/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B0085HTF38&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=GFDZG75U7YDJNHY7">Currently on Amazon for as low as $195.15</a></em></p> <h3>Takara Kabuto Single Speed Road Bike</h3> <p><a href="http://www.amazon.com/gp/product/B0041QF9EQ/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B0041QF9EQ&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=KXGMKN2TR4Y6QNKX"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/Takara%20Kabuto%20Single%20Speed.jpg" width="250" height="212" align="right" alt="" /></a>An Amazon best seller, the <a href="http://www.amazon.com/gp/product/B0041QF9EQ/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B0041QF9EQ&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=KXGMKN2TR4Y6QNKX">Takara Kabuto Single Speed Road Bike</a> is another great option for people who want to get into road biking without breaking the bank on their first purchase. In particular, this bike is advertised as a good commuting bike, with a steel frame and horizontal dropouts that can make riding through the big city a breeze. This does make the Kabuto heavier (at about 30 pounds), but it still rides extremely smoothly. The tires it comes with are larger than average which add to the comfort factor in this bike since they are great for riding over city obstacles like potholes. A major advantage of this bike is its flip-flop hub which allows you to go in between single and fixed gears, giving you the opportunity to cruise if you&rsquo;d like.</p> <p><em><a href="http://www.amazon.com/gp/product/B0041QF9EQ/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B0041QF9EQ&amp;linkCode=as2&amp;tag=bguidelink-20&amp;linkId=KXGMKN2TR4Y6QNKX">Currently as low as $179.99 on Amazon</a></em></p> <h3>Cannondale CAAD8 7 Sora</h3> <p><a href="http://www.cannondale.com/nam_en/2015/bikes/road/elite-road/caad8/caad8-7-sora"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/Cannondale%20CAAD8%207%20Sora.jpg" width="250" height="164" align="right" alt="" /></a>The Cannondale brand has its roots in making bikes out of aluminium and the <a href="http://www.cannondale.com/nam_en/2015/bikes/road/elite-road/caad8/caad8-7-sora">CAAD88 7 Sora</a> is no different. Getting rave reviews of amazing balance, this bike is a proud addition to the Cannondale family of road bikes. It finds a healthy medium between the comfort road bikes of this variety like to offer the newer users that inevitably purchase it and the intensity of more expensive, serious competitor road bikes on the market.</p> <p>This bike also seems to perform well on some dirt road conditions as well, making it a great bike if you know there&rsquo;ll be a rough patch on your route here and there. The frame is made of aluminium, making it exceptionally stable while retaining a light weight. The headtube on the bike is higher than some other models, meaning you might find the handlebars to be low when riding the CAAD8 7 Sora, but now low enough that it causes discomfort or distracts from its great handling. If you live in a more hill-heavy area, the Cannondale CAAD8 7 Sora come with 34/26 low gear, meaning getting uphill won&rsquo;t be as strenuous an uptaking as it would with other models.</p> <p><a href="http://www.cannondale.com/nam_en/2015/bikes/road/elite-road/caad8/caad8-7-sora"><em>Currently listed at $980 on cannondale.com.</em></a><em> To purchase, find a dealer near you on the site listed below</em></p> <h3>Fuji Transonic 2.7</h3> <p><a href="https://www.performancebike.com/bikes/Product_10052_10551_1168910_-1_400315__400315_Review#reviewsTab"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/Fuji%20Transonic%202.7.jpg" width="250" height="167" align="right" alt="" /></a>There is no questions that the <a href="https://www.performancebike.com/bikes/Product_10052_10551_1168910_-1_400315__400315_Review#reviewsTab">Fuji Transonic 2.7</a> is a high performance road bike. If you&rsquo;re looking to take a step into serious cycling, this might be the perfect bike to get you there. The focus when creating this bike was clearly speed, so if you&rsquo;re looking to go fast you&rsquo;re in the right place. Carbon-fiber is what the frame consists of, a material known to be more durable and effective than the aluminium used in frames of lower-end road bikes.</p> <p>The bike is exceptionally smooth, making it great for speed, making it a great competitor especially when faced with crosswinds. The full Oval Concepts cockpit and wheels are a specifically Fuji design, ensuring the exceptional performance standard found in the Fuji Transonic family up to this point. The downtube sections are larger than you&rsquo;ll find on a usual aero bike, but their shape has not been compromised to maintain speed expectations. Brakes on the Fuji Transonic are very well hidden but very effective. At 18 pounds this bike is light and is ready to give you some of the best speed performance on the market for the price.</p> <p><em><a href="https://www.performancebike.com/bikes/Product_10052_10551_1168910_-1_400315__400315_Review#reviewsTab">Currently $1799.99 on performancebike.com</a></em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/janae-spinato">Janae Spinato</a> of <a href="http://www.wisebread.com/the-5-best-road-bikes">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-10"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/36-workouts-you-can-do-in-your-living-room-while-its-cold-out">36 Workouts You Can Do in Your Living Room While It&#039;s Cold Out</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-things-you-can-do-to-reduce-your-risk-of-diabetes">10 Things You Can Do to Reduce Your Risk of Diabetes</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-ways-to-track-your-diet-and-fitness-for-free">8 Ways to Track Your Diet and Fitness for Free</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/30-signs-you-were-raised-by-healthy-parents">30 Signs You Were Raised by Healthy Parents</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-of-our-favorite-fitness-and-diet-smart-phone-apps-0">8 of our Favorite Fitness and Diet Smart Phone Apps</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty Lifestyle bikes fitness product reviews road bikes Wed, 22 Apr 2015 09:00:09 +0000 Janae Spinato 1378291 at http://www.wisebread.com The 7 Worst Travel Values http://www.wisebread.com/the-7-worst-travel-values <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-7-worst-travel-values" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/couple_on_vacation_000054076798.jpg" alt="Couple on vacation experiencing worst travel values" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Treating yourself to a vacation should be just that &mdash; a treat. And treating yourself by paying extra for some things you normally wouldn't splurge on, such as a massage on the beach or an overpriced cocktail with a view, should be considered a normal part of some vacations.</p> <p>But some travel expenses &mdash; from small to big &mdash; just aren't worth the money. Even some things travelers believe actually save them money are also bad deals. Here are seven of the worst travel values we could find. (See also: <a href="http://www.wisebread.com/10-things-youre-paying-too-much-for-when-you-travel-and-how-to-pay-less?ref=seealso">10 Things You're Paying Too Much for When You Travel</a>)</p> <h2>1. Visiting Popular Locations in Peak Season</h2> <p>Sometimes you can't get around this, especially if you have children. If your family is set on going to Hawaii, Disneyland, or another popular resort during summer vacation, then plan on paying more as you compete with the masses for flights, hotel rooms, rental cars, and anything else you need. (See Also: <a href="http://www.wisebread.com/7-popular-vacation-spots-that-arent-worth-the-money-and-where-to-go-instead?ref=seealso">7 Popular Vacation Spots Not Worth the Money</a>)</p> <h2>2. Room Service Breakfast</h2> <p>It sounds like a good idea at night before you go to sleep: Check off a few items on the doorknob menu, and in the morning breakfast will be delivered to your door. While you may save time while getting ready for the day in your room, you probably won't save any money.</p> <p>Look closely at the room service menu and you'll not only see inflated prices for nearly everything, but delivery charges are usually exorbitant, too. The hotel restaurant is usually a cheaper alternative, and if that doesn't work for you, find someplace else nearby that serves breakfast. (See also: <a href="http://www.wisebread.com/19-things-most-tourists-overpay-for-and-how-you-can-avoid-them?ref=seealso">19 Things Tourists Overpay For</a>)</p> <h2>3. Not Doing the Math on Credit Card Points</h2> <p>If you have a <a href="http://www.wisebread.com/the-best-credit-cards-for-hotel-deals-and-rewards">hotel credit card</a> that gives you reward points for spending, it can be a smart way to get a free room for a few nights while you're on vacation. But different cards and loyalty programs offer different values for their points. Before you choose where to spend your points on (or even which <a href="http://www.wisebread.com/top-5-travel-reward-credit-cards">travel reward card to sign up for</a>), do your research to figure out which program has properties and award flights where you want to go. (See also: <a href="http://www.wisebread.com/comparing-miles-which-airline-loyalty-program-is-better?ref=seealso">Which Airline Loyalty Program Has the Best Value for Their Miles?</a>)</p> <h2>4. Perks That Cancel Each Other Out</h2> <p>Stacking perks is a great idea, but sometimes they can cancel each other out, and you won't get as great of a value as you thought. For example, using Hotels.com coupons prevents users from collecting its Welcome Rewards. And using one of its coupons that's worth less than 9% is actually worth less than using the reward points.</p> <p>Its Welcome Rewards gives users a free night for every 10 when collecting rewards, essentially giving 11 stays for the price of 10 &mdash; roughly a 9% savings. Therefore, finding a coupon worth 10% off or more is a better deal than collecting reward points. But if the coupon is less than 9%, then the rewards points offer better savings.</p> <p>Travelers can also use a rewards credit card to earn points and and use coupons or collect rewards to double down on benefits</p> <h2>5. Paying for Wi-Fi</h2> <p>Putting technology aside can be a good goal during vacation, but sometimes it's not that easy. An Internet connection can help you plan the next day by studying maps and looking for things to do. Unfortunately, travelers are often charged for Wi-Fi access, with $15 for 24 hours of use common.</p> <p>High-end hotels are more likely to charge for Wi-Fi, while smaller ones are getting the message that guests don't want to pay for such basic services, and usually offer it for free. If you can't get Internet service for free in your room, go to the lobby and have your device search for free access.</p> <h2>6. Guided Tours</h2> <p>With few exceptions, guided tours are often overpriced side trips that you can plan on your own. Tours are especially popular at cruise ship dockings, and can be booked through the cruise line at mega mark-ups. Instead, find a locally governed taxi to take you to the beach &mdash; along with a return trip.</p> <h2>7. Saving Money Over Time</h2> <p>Your vacation time is limited, making it a valuable asset that shouldn't be wasted. That hotel on the outskirts of town is probably a lot cheaper than one downtown, but it won't look like much of a deal when you spend an hour on a train or bus to get to the historic center of town.</p> <p>The same goes for travel. A short flight or train trip in Europe is more expensive than taking a bus or ferry (or both), but it will give you more time to spend exploring Paris, for example.</p> <p>Don't let these poor values dissuade you from traveling. It just takes a little extra work.</p> <p><em>How do you save while on vacation?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/aaron-crowe">Aaron Crowe</a> of <a href="http://www.wisebread.com/the-7-worst-travel-values">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-11"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/why-this-thing-in-your-wallet-is-almost-useless-today">Why This Thing in Your Wallet Is Almost Useless Today</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-14-best-ways-to-cut-food-costs-while-traveling">The 14 Best Ways to Cut Food Costs While Traveling</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/make-your-escape-with-these-14-affordable-weekend-getaways">Make Your Escape With These 14 Affordable Weekend Getaways</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/why-you-should-never-buy-souvenirs">Why You Should Never Buy Souvenirs</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-things-the-united-states-should-copy-from-other-countries">10 Things the United States Should Copy From Other Countries</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Travel peak season room service spending tourism vacation values Tue, 21 Apr 2015 17:01:57 +0000 Aaron Crowe 1392312 at http://www.wisebread.com Ask the Readers: What Is Your Biggest Monthly Expense? http://www.wisebread.com/ask-the-readers-what-is-your-biggest-monthly-expense <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/ask-the-readers-what-is-your-biggest-monthly-expense" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_health_expense_000016162288.jpg" alt="Woman saving money for monthly health expense" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>An important part of budgeting is figuring out how much we spend each month on various things &mdash; utilities, groceries, mortgages, credit card debt, etc. &mdash; and a popular tip for lowering our monthly expenses is to find a way to slash the biggest item on the list.</p> <p><strong>What is your biggest monthly expense?</strong> What percentage of your budget does it take up, approximately? Can you think of any way to lower this expense, and does it make sense for your situation to do so?</p> <p>Tell us what your biggest monthly expense is and we'll enter you in a drawing to win a $20 Amazon Gift Card!</p> <h2>Win 1 of 3 $20 Amazon Gift Cards</h2> <p>We're doing three giveaways &mdash; here's how you can win!</p> <h3>Mandatory Entry:</h3> <ul> <li>Post your answer in the comments below. One commenter will be randomly selected to win a $20 Amazon Gift Card!</li> </ul> <h3>For Extra Entries:</h3> <ul> <li>You can tweet about our giveaway for an extra entry. Also, our Facebook fans can get an extra entry too! Use our Rafflecopter widget for your chance to win one of the other two Amazon Gift Cards:</li> </ul> <p><a id="rcwidget_068865de" data-template="" data-theme="classic" data-raflid="79857dfa178" rel="nofollow" href="http://www.rafflecopter.com/rafl/display/79857dfa178/" class="rcptr">a Rafflecopter giveaway</a> </p> <script src="//widget-prime.rafflecopter.com/launch.js"></script></p> <p>If you're inspired to write a whole blog post OR you have a photo on flickr to share, please link to it in the comments or tweet it.</p> <h4>Giveaway Rules:</h4> <ul> <li>Contest ends Monday, April 27th at 11:59 p.m. Pacific. Winners will be announced after April 27th on the original post. Winners will also be contacted via email.<br /> &nbsp;</li> <li>You can enter all three drawings &mdash; once by leaving a comment, once by liking our Facebook update, and once by tweeting.<br /> &nbsp;</li> <li>This promotion is in no way sponsored, endorsed or administered, or associated with Facebook.<br /> &nbsp;</li> <li>You must be 18 and US resident to enter. Void where prohibited.</li> </ul> <p><strong>Good Luck!</strong>&nbsp;</p> <div class="field field-type-text field-field-blog-teaser"> <div class="field-items"> <div class="field-item odd"> Tell us what your biggest monthly expense is and we&#039;ll enter you in a drawing to win a $20 Amazon Gift Card! </div> </div> </div> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/ask-the-readers-what-is-your-biggest-monthly-expense">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-12"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/ask-the-readers-should-kids-get-paid-for-doing-chores">Ask The Readers: Should Kids Get Paid For Doing Chores?</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-often-do-you-get-your-paycheck">How often do you get your paycheck?</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/seven-monthly-expenses-we-dont-realize-we-dont-need">7 Monthly Expenses We Don&#039;t Realize We Don&#039;t Need</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/ask-the-readers-how-did-you-spend-your-first-paycheck">Ask the Readers: How Did You Spend Your First Paycheck?</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/ask-the-readers-do-gift-cards-make-a-good-gift">Ask the Readers: Do Gift Cards Make a Good Gift?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Giveaways Ask the Readers monthly expenses Tue, 21 Apr 2015 15:00:09 +0000 Ashley Jacobs 1393949 at http://www.wisebread.com 6 Old School Beauty Products We Want Back http://www.wisebread.com/6-old-school-beauty-products-we-want-back <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-old-school-beauty-products-we-want-back" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/women_makeup_000016656954.jpg" alt="Two women using old school beauty products" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>The makeup and hair products I used when I was young will always have a special place in my heart. They are the first beauty items that I got to pick out at the store myself and experimented with.</p> <p>Sadly, the beauty product industry is constantly changing, taking items off the market and replacing them with new ones. Some of my favorites have disappeared off the shelf over the years, leaving me remembering the good old days of the following six products.</p> <h2>1. Revlon Street Wear</h2> <p>If any one line of cosmetics could truly sum up the '90s, it would be <a href="http://mycitygossip.com/remember-revlon-street-wear/">Street Wear</a>. Revlon's teen-targeted line included lip colors and liners, eye shadows, mascaras, and nail polish in a colorful but grunge-friendly palate. There were lots of mauve and brown lipsticks, brightly colored nails, and everything glossy, glittery, and frosted. Basically, everything you'd need to be the unofficial ruler of your high school. The product line re-launched in India with different branding and products, but has long been defunct in the U.S. With '90s fashion back in vogue, why not revive this well-loved piece of the '90s look?</p> <h2>2. Caboodles Lip Gloss</h2> <p>Believe it or not, <a href="http://www.amazon.com/s/?_encoding=UTF8&amp;camp=1789&amp;creative=390957&amp;field-keywords=caboodles&amp;linkCode=ur2&amp;tag=wisbre03-20&amp;url=search-alias%3Daps&amp;linkId=P6AJPHVDG5KNTLHR">Caboodles</a> still exist in a few forms, although I could argue that they just aren't the same. The Caboodles lip gloss, however, bit the dust long ago. I don't think I knew a single girl who had a Caboodle and didn't have their lip gloss stashed inside. One version came on a key ring for oh-so-convenient carrying, and another came in a tube that fit nicely into the top deck of your Caboodle. The lip gloss was shimmery and thick, and came in flavors like &quot;Orange U Lucky&quot; and &quot;Fruitopian.&quot; If they were lovingly revived today, they'd be a guaranteed hit with young girls that are starting to get into makeup.</p> <h2>3. Bottled Emotion Perfumes</h2> <p>Bonne Bell was famous for their Lip Smackers and Lip Lix chapstick, but I loved their line of Bottled Emotion perfumes. They each came in a different bright color, and the scents were named after different emotions. So whether you were feeling Daring, Shy, or Playful, you could be appropriately scented.They also came in small, lipstick-shaped bottles that were easy to stick in your Caboodle or in one of your many overalls pockets. They were the perfect beauty products for teens: cheap, colorful, and appealing to their many, uncontrollable emotions.</p> <h2>4. Body on Tap</h2> <p>Lots of wacky things happened in the '70s, and not least of them is beer shampoo. The brand Body on Tap boasted beer as an ingredient, and claimed to provide big body and hold. Plus, it has the unspoken feature of attracting beer-loving men to its light beer scent. Whether they used the shampoo or not, many people may remember their line of <a href="https://www.youtube.com/watch?v=bNSCPod_Khk">sudsy commercials</a>. With beer being as popular as ever, how does this shampoo not still exist? Beer lovers want to know!</p> <h2>5. Naturistics Lip Balm</h2> <p>Who can forget the pretty little glass jars of Naturistics Lip Balm? The tops twisted off to reveal a cross between lip gloss and balm, perfect for everyday wear. They came in lots of flavors, such as Watermelon, Cherry Vanilla, and Bubble Gum. They also offered simpler, more sophisticated flavors like Cool Mint and Vanilla (which I wore). And don't forget their Sweet Lips line of tube lip gloss, whose packaging looked exactly like a small tube of watercolor paint. I used these lip glosses constantly, and the cute packaging made it feel like a treat. Plus, it tasted good. Not that I was eating my lip gloss&hellip;</p> <h2>5. Gap Fragrances</h2> <p>Although you can still get a buy a few scents at the Gap Factory stores from time to time, the Gap fragrance line is largely gone. More importantly, the original scents &mdash; Grass, Earth, Day, and Heaven &mdash; are no longer available. These light, unisex scents popped up in the mid-'90s, and were worn by high schoolers everywhere. You can still find mourners all over the Internet, saddened by the loss of their favorite scent. Grass was divisive, but fiercely loved by some (and hated by others, like me).</p> <h2>6. Hair Stamper</h2> <p>Don't worry, you can still buy a <a href="http://www.amazon.com/gp/product/B004W2OQPC/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=390957&amp;creativeASIN=B004W2OQPC&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=TD5QMNUJWMYAE7FP">hair crimper</a>. But the hair stamper, a flat iron that &quot;stamped&quot; shapes into your hair, has gone the way of the dinosaurs. The contraption, made my Conair with the model name &quot;Impressions,&quot; had interchangeable plates in heart, star, and zig-zag patterns. It actually seems like a pretty bad idea &mdash; wouldn't it damage your hair? And how do you keep the shapes whole, since hair is made up of lots of different hairs that move? It seems like it would have looked ridiculous, but that doesn't stop me from wishing it was still around. I'm dying to try the heart shapes for my next Valentine's 'do.</p> <p><em>Any beauty products we missed that you're particularly nostalgic for?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/laurel-randolph">Laurel Randolph</a> of <a href="http://www.wisebread.com/6-old-school-beauty-products-we-want-back">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-13"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-makeup-items-you-should-ditch-today">7 Makeup Items You Should Ditch Today</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-generic-beauty-buys-better-than-the-expensive-originals">7 Generic Beauty Buys Better Than the Expensive Originals</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/can-beauty-be-this-basic">Can Beauty Be THIS Basic?</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/budgeting-beauty-an-expert-tells-all">Budgeting Beauty - An Expert Tells All</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/wantable-makeup-premium-cosmetics-at-a-bargain-price">Wantable Makeup: Premium Cosmetics at a Bargain Price</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty cosmetics hair stampers makeup perfumes retro shampoos throwbacks Mon, 20 Apr 2015 15:00:13 +0000 Laurel Randolph 1390880 at http://www.wisebread.com 4 Mobile Phone Upgrades That Aren't Worth the Money http://www.wisebread.com/4-mobile-phone-upgrades-that-arent-worth-the-money <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/4-mobile-phone-upgrades-that-arent-worth-the-money" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/girl_phone_000039037532.jpg" alt="Girl realizing she has mobile phone plan she doesn&#039;t need" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>The old adage says &quot;If you buy what you don't need, you'll need what you can't buy.&quot;</p> <p>When you have a mobile phone, you're already shelling out some serious coin every month. The average U.S. <a href="http://www.cbsnews.com/news/6-reasons-your-phone-bill-keeps-rising/">monthly phone bill</a> ranges from $120 to $148. So, there's no need to pay for additional features you don't really need.</p> <p>Consider avoiding these four costly plan upgrades.</p> <h2>1. International Long Distance</h2> <p>Unless it's an absolute emergency, it just doesn't make sense to make international calls using your mobile phone's plan. For example, as an AT&amp;T subscriber, I would pay $2.19 per minute if I were to call to a landline in Ecuador, or $2.37 per minute if I were to call a wireless number.</p> <p>While paying $5 per line to upgrade to <a href="https://www.att.com/shop/wireless/international/long-distance.html?tab=1">AT&amp;T World Connect</a> lowers my calling rates to Ecuador ($0.35 per minute to landlines and $0.53 per minute to wireless), it is still not worthwhile. Without paying any additional fees, I can call any landline or mobile in Ecuador for $0.15 per minute, by signing up for a Skype subscription. I'd decrease my calling cost to landlines in Ecuador to as little as $0.075 per minute.</p> <p>You could also leverage smartphone apps, such as <a href="http://line.me/en/">Line</a>, <a href="http://www.tango.me">Tango</a>, or <a href="http://www.viber.com/en/">Viber</a>, that allow you to make international calls for free. Or, buy an international calling card with good rates for the country that you're trying to call. The point is that there are much more affordable options than upgrading for an international long distance feature.</p> <h2>2. Frequent Equipment Upgrades</h2> <p>T-Mobile Jump, AT&amp;T Next, and Verizon Edge offer variations of the same idea: Instead of committing to a single phone model for two years, you can upgrade to the latest model as soon as you want. No matter your phone carrier, if you have a frequent upgrade plan, you pay a monthly fee based on the full price of your selected phone (cost of service is separate).</p> <p>From a purely financial perspective, frequent equipment upgrade plans often aren't worth the money. For example, you could <a href="http://lifehacker.com/are-early-upgrade-plans-worth-it-1369868915#">save close to $650</a> by sticking to a two-year plan with AT&amp;T, instead of going with a frequent upgrade plan for two years. Similar savings scenarios happen with Verizon ($600) and T-Mobile ($340). (Note: Sprint retired its <a href="http://support.sprint.com/support/article/Learn_more_about_Sprint_One_Up/35e890a8-cbab-4cc4-99a7-91b0bc533e35?INTNAV=LP:Support:01102014:oneup&amp;ECID=vanity:oneup">One Up upgrade plan</a> on January 9, 2014). The premium that you pay for the &quot;convenience&quot; of having the latest model is too high and something that you don't really need.</p> <h2>3. International Data Plan</h2> <p>I get it, I really do.</p> <p>Just like many Millennial travelers, I believe that a trip isn't a trip without posting a few vacation pics for my friends to view. About 69% of Millennial travelers use some form of <a href="https://www.yahoo.com/travel/millennials-travel-survey-113198011097.html">social media during vacations</a>.</p> <p>Most service providers provide international data plans starting at 100MB. For example, <a href="http://www.att.com/shop/wireless/international/roaming.html">AT&amp;T's 120MB data plan</a> is $30, and <a href="http://www.verizonwireless.com/landingpages/global-roaming/">Verizon's 100MB data plan</a> is $25. The problem is that a 100MB allowance doesn't go very far. Consider how much data some common activities consume.</p> <ul> <li>Emailing a single high-resolution photo is 2MB to 5MB.</li> <li>Doing a 10-minute video call is about 24MB.</li> <li>Visiting 50 web pages equals about 10MB.</li> <li>Completing 30 social media posts with photos is roughly 10MB.</li> <li>Downloading 10 songs is 40MB.</li> </ul> <p>You could burn through 100MB of data in a single day. And that's assuming that you're keeping track of all of your data use. If you unintentionally left on the auto-push feature of your smartphone for all apps, you could easily burn through most of the data in just a couple of hours.</p> <p>Instead of buying an international data plan, take the following steps when traveling abroad (See also: <a href="http://www.wisebread.com/how-to-minimize-cell-phone-charges-when-you-travel-abroad?ref=seealso">How to Minimize Cell Phone Charges When Traveling Abroad</a>):</p> <ul> <li>Use the Wi-Fi from your hotel or from other reliable sources;<br /> &nbsp;</li> <li>Plan ahead with smartphone map apps, such as <a href="http://www.ulmon.com">Ulmon Maps</a> and <a href="http://osmand.net">OsmAnd</a>, which can work without an Internet connection;<br /> &nbsp;</li> <li>Keep your phone in airplane mode as much as possible to prevent data use;<br /> &nbsp;</li> <li>Prevent automatic upload of media.</li> </ul> <h2>4. Tethering</h2> <p>Sharing your data connection with all your other devices sounds like an awesome deal. However, the reality is that mobile tethering has several drawbacks:</p> <ul> <li>Most cellular carriers will require you to pay an additional fee or upgrade to a minimum MB plan to be able to tether through your device.<br /> &nbsp;</li> <li>There is no cellular carrier that will let you tether any device with an unlimited plan. You have to downgrade to a paid data plan, and figure out which one makes financial sense.<br /> &nbsp;</li> <li>You have a data cap when tethering, often ranging from 2GB to 5GB. Depending on your data use, you may incur overages and their corresponding expensive fees.<br /> &nbsp;</li> <li>Tethering is major drain to any mobile's battery life.<br /> &nbsp;</li> <li>Many users report that their Internet connection freezes when the phone receives a text or call.<br /> &nbsp;</li> <li>You're always trading off something when you're tethering. Tether via Wi-Fi, and your phone's battery drains quickly. Tether via USB, and only your computer can connect to the Internet. Tether via Bluetooth, and your connection gets very slow.</li> </ul> <p>This is why that tethering fee is something that you don't really need. Imagine if your home Internet provider would try to charge you for plugging an additional device to your home connection. You would probably tell your Internet company that they're crazy. If you really need a hotspot on the go for work purposes, you're better off investing in a mobile hotspot. That way you won't have to compromise for subpar service.</p> <p><em>What are some mobile plan upgrades that aren't worth the money?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/damian-davila">Damian Davila</a> of <a href="http://www.wisebread.com/4-mobile-phone-upgrades-that-arent-worth-the-money">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-14"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/15-modern-life-skills-everyone-should-master">15 Modern Life Skills Everyone Should Master</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-alternatives-to-cable-tv-that-will-keep-you-entertained">8 Alternatives to Cable TV That Will Keep You Entertained</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-digital-detox-how-and-why-to-do-it">The Digital Detox: How and Why to Do It</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/can-a-robot-called-digit-really-help-you-save-more">Can a Robot Called Digit Really Help You Save More?</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/beware-the-nasty-secret-of-the-craigslist-free-section">Beware, The Nasty Secret Of The Craigslist Free Section</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Technology data plans long distance mobile smartphones tethering upgrades Fri, 17 Apr 2015 15:00:07 +0000 Damian Davila 1388408 at http://www.wisebread.com 9 Quick Workouts You Can Do During Commercial Breaks http://www.wisebread.com/9-quick-workouts-you-can-do-during-commercial-breaks <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/9-quick-workouts-you-can-do-during-commercial-breaks" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/family_exercising_000027499027.jpg" alt="Family exercising together during 2-minute commercial break" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>The average half hour television show boasts a full eight minutes of commercials. Double that for your hour-long program, and you have a whole lot of time spent just sitting around. Even if you watch a single half hour show each day, that's almost an hour of extra time in your week when you could be doing something to better yourself. Specifically, something better for your health!</p> <p>So we've compiled the following workouts, all of which can be done in just two minutes each to fit between commercial breaks. Mix and match them during your next television session to add some good-for-you activity to your life. (See also: <a href="http://www.wisebread.com/these-at-home-exercises-will-give-you-a-gym-quality-workout-for-free?ref=seealso">These At-Home Exercises Will Give You a Gym-Quality Workout For Free</a>)</p> <h2>1. Explosive Cardio</h2> <p><iframe src="https://www.youtube.com/embed/hVOm5Thoazg" width="420" height="315" frameborder="0" allowfullscreen="allowfullscreen"></iframe></p> <p>This <a href="https://youtu.be/hVOm5Thoazg?t=1m15s">cardio workout</a> starts with high knees and quickly progresses into side skaters for a wide range of motion. Standard burpees kick the routine up a notch until its intense finish that adds an explosive hop to the mix. Phew! <em>Game of Thrones</em> is back on!</p> <h2>2. Micro Workout</h2> <p><iframe src="https://www.youtube.com/embed/WmrIEmQQoyA" width="420" height="315" frameborder="0" allowfullscreen="allowfullscreen"></iframe></p> <p>Whether you're sitting on the couch or at your desk, you can totally fit this quickie <a href="https://youtu.be/WmrIEmQQoyA?t=1m18s">total body workout</a> into a break. Squats give your legs a super boost, and you want them nice and deep to get the most benefit. Next, use your desk or dining room table for some standing push-ups before switching to one-armed planks in the same position.</p> <h2>3. Ab Blaster</h2> <p><iframe src="https://www.youtube.com/embed/7Qf9pPcGGwE" width="420" height="315" frameborder="0" allowfullscreen="allowfullscreen"></iframe></p> <p>For more targeted work, try these <a href="https://www.youtube.com/watch?v=7Qf9pPcGGwE">ab-blasting moves</a>. You'll begin with your legs elevated at a 90-degree angle for crunches. Then, contract your abs while you pulse your legs to work on the lower set of muscles. The rest are modifications with challenging static holds.</p> <h2>4. Total Toner</h2> <p><iframe src="https://www.youtube.com/embed/VNKOJqT24uc" width="560" height="315" frameborder="0" allowfullscreen="allowfullscreen"></iframe></p> <p>You can do this <a href="https://www.youtube.com/watch?v=VNKOJqT24uc">toning workout</a> in the time it takes to brush your teeth. Jump your feet back to a plank position and complete a couple push-ups at whatever position feels the most comfortable. The Superman pose is new to me, but I'm surprised how well it firms the muscles on the back of my body with zero impact.</p> <h2>5. Leg Lifter</h2> <p><iframe src="https://www.youtube.com/embed/IUQ-nOO7SrA" width="420" height="315" frameborder="0" allowfullscreen="allowfullscreen"></iframe></p> <p>This <a href="https://youtu.be/IUQ-nOO7SrA?t=1m">killer leg workout</a> is completed in just two power-packed minutes. The exercises are 30 seconds each, starting with a wide sumo squat. After that, do some lunges &mdash; making sure to keep your core engaged. These exercises both progress from slow to fast to get your heart pumping.</p> <h2>6. Arm Sculpter</h2> <p><iframe src="https://www.youtube.com/embed/DqtPHn1MnYQ" width="420" height="315" frameborder="0" allowfullscreen="allowfullscreen"></iframe></p> <p>Don't forget your arms! You can sculpt and gain strength with a <a href="https://www.youtube.com/watch?v=DqtPHn1MnYQ">fast arm routine</a> and a couple light dumbbells. Begin with a few jumping-jacks to get your cardio going, then move to alternating overhead presses, hammer curls, and tricep work. Don't have weights? Try using soup cans or water bottles!</p> <h2>7. Best Basic</h2> <p>If you'd rather not follow a video or instructor, try something basic like jumping rope, walking in place (or on a treadmill), or doing a mix of body weight workouts you know by heart. When in doubt, just keep moving for two minutes, whether it's doing crunches, push-ups, jumping jacks, side jumps, or even just dancing around the room with your kids.</p> <h2>8. Super Stretch</h2> <p><iframe src="https://www.youtube.com/embed/87KgosW6oHo" width="420" height="315" frameborder="0" allowfullscreen="allowfullscreen"></iframe></p> <p>Switch up your mini-workout series with a <a href="https://www.youtube.com/watch?v=87KgosW6oHo">good stretch</a>. These yoga poses flow from one to the next in quick succession. Control your motion and keep proper posture for best results. Your muscles will feel incredibly refreshed and relaxed after this one.</p> <h2>9. Big Breath</h2> <p><iframe src="https://www.youtube.com/embed/YaHClc2D5Tw" width="560" height="315" frameborder="0" allowfullscreen="allowfullscreen"></iframe></p> <p>Bonus: Most of us don't fit relaxation into our day, yet it's important to take time &mdash; even two minutes &mdash; to slow down and restore. This <a href="https://www.youtube.com/watch?v=YaHClc2D5Tw">breathing sequence</a> will help wind down your mind and body or, alternatively, recharge your batteries before the day's next big task. Inhale, exhale, and repeat.</p> <p><em>What productive activities do you do while watching the tube?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-marcin">Ashley Marcin</a> of <a href="http://www.wisebread.com/9-quick-workouts-you-can-do-during-commercial-breaks">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-15"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/getting-started-in-indoor-cycle-class">Getting Started in Indoor Cycle Class</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/beat-back-the-zombies-4-ways-to-avoid-sleep-deprivation">Beat Back the Zombies: 4 Ways to Avoid Sleep Deprivation</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-times-a-gym-membership-isnt-worth-it">5 Times a Gym Membership Isn&#039;t Worth It</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/if-youre-doing-these-4-exercises-your-workouts-are-worth-nothing">If You&#039;re Doing These 4 Exercises, Your Workouts Are Worth Nothing</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/where-to-find-free-or-cheap-yoga-classes">Where to Find Free or Cheap Yoga Classes</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty Productivity cardio commercial breaks exercise working out yoga Fri, 17 Apr 2015 13:00:10 +0000 Ashley Marcin 1388452 at http://www.wisebread.com