Author: Morgan D. James
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Article URL: http://www.isnare.com/?aid=81455&ca=Finances
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Author's Email Address: jime[at]synnex.com (replace [at] with
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The internet is one of the most important and easiest-to-use
tools of our time. Using the internet wisely can help you save
time and money.
But what if I can't afford the internet at home?
You can always access the internet from your public library,
your school library, or a friend's house. If you plan to spend
long hours on the internet, consider going to the local college
to use their computer lab. Some computer labs are password
protected, and others aren't.
You could also choose a cheaper connection. Many of the premium
internet connections are overpriced. You can get a mid-speed
connection for very reasonable rates.
Research
You can use the internet to research everything. You can
research if you are being paid enough at your current job. If
you find that you are being underpaid for the market, you could
possibly ask for a raise, bringing with you up-to-date proof
that your skills are a more valuable asset than the company
admits.
If you are starting out with something that you are not that
familiar with (for instance, getting a loan), you will want to
find websites with information that can help you on your way.
Gaining information will save you time, because you will know
what you are looking for. As you know from finding this
article, there are articles on almost any topic on the
internet. The more you know, the better deals you will be able
to achieve.
Shop Around
It used to be that shopping around was a time consuming (and
gas consuming) event. Now, you can determine what store you
want to visit at the click of a mouse. Before you make any
major purchase, you will definitely want to use the internet to
research your options. You can compare major brand prices on the
internet. Check out the different home pages for varying
information, for instance, on cell phones.
Oftentimes there are consumer guides available online that will
help you with your comparisons. You can read reviews of products
by other consumers. You can find out things that the salesperson
isn't likely to tell you. Third party comparative sites can be
very helpful for you in framing your research.
Even if you are not buying something tangible, like a car, the
internet can help you decide. The internet will have current
investment rates for all the major banks, and it will have
rates for other items like insurance.
The internet not only allows you the opportunity to compare
different prices, often there are online comparison
calculators. Use these calculators to your benefit, but always
get a second opinion.
Buy Online
Just because you have researched your purchase online doesn't
mean that you have to buy it online. However, you might
consider making a major purchase online if you trust the seller
and the price is right. Often, shopping sites like eBay or
Overstock can help you find better deals than you would in
stores.
Websites like Indigo or Staples often offer the same items they
do in their store. However, they might have bargain deals on
their sites that are not available in-store.
Remember: when you are making an online purchase, you need to
take into account the shipping costs and taxes. These can often
make what seems like a great deal online into an unwise
purchase. You should be able to easily find out the shipping
costs, or else don't buy the item.
Buy Electronic
Sometimes the items that you buy online will be electronic. It
will cost you less to buy an Antivirus program that you simply
download, than to buy the equivalent CD. Would you rather
download an album or buy it at the store? Do you prefer
e-books or books? Would you rather read your morning paper
online? Consider electronic alternatives for your purchases to
save you time and money: these purchases are often just a click
away.
Also: if you don't mind reading e-books, you can check out many
free books online (from Project Gutenberg) whose copyrights have
expired. Read the classics for no cost.
Make Money Online
Use the internet to make you money, not just save you money!
You can use the internet to advertise for your company, or to
post upcoming events. You might even consider working for an
internet-based company. If you feel entrepreneurial, you can
start an eBay store and make money that way. There are many
guides on how to make money using the internet. Just be sure
not to buy into any scams.
Caveats
When you are researching anything on the internet, you need to
judge the validity of the source you use. Three of the major
points for judging sources are content, currency, and
respectability. Is the site's content what you expect, or is it
reasonable? Is the site current? There is not use looking at
pages from 1998 because those prices will be out of date. Is
the site reputable? Is it a site that you have heard of, or is
it affiliated with a company you have heard of? The site might
even be written by someone you know. Before taking anything on
the internet as gospel, ask yourself these three questions to
judge the validity of the site you are viewing.
Do not make online purchases unless you feel comfortable. If
you don't feel comfortable using your credit card online, then
don't. Make sure that you only give your information to
websites that you trust.
If the old adage time is money holds true, watch that you don't
spend all of your time on the internet. You don't want to waste
your valuable time that you can spend in other ways, though
investing a little bit of time online often pays off in many
ways.
Although you have to be wise when you use the internet, the
internet is a valuable tool that can help you on your path to
financial success! Happy Surfing!
About The Author: Morgan James is the editor of
http://www.theguideto-loans.com/debt-management/. Check out the
guide to loans for more information on how to save money, how to
get money, and how to find financial satisfaction.
Please use the HTML version of this article at:
http://www.isnare.com/html.php?aid=81455
For more free-reprint articles by Morgan D. James please visit:
http://www.isnare.com/?s=author&a=Morgan+D.+James
Monday, November 27, 2006
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