#woroch

[telodogratis]

“Uno schifo”. L’auto oltre 150 km orari, lo schianto e Natasha muore sul colpo

[[{“value”:” Imogen Rowland e Natasha Woroch, entrambe 25enni, erano in macchina con il conducente Connor Malpass, 24enne, quando quest’ultimo è… L’articolo “Uno schifo”. L’auto oltre 150 km orari, lo schianto e Natasha muore sul colpo proviene da Notizie 24 ore. “}]]  ​Read More  [[{“value”:”Imogen Rowland e Natasha Woroch, entrambe 25enni, erano in macchina con il conducente Connor…

[moneymakingsense]

If you're not sure how to keep a few more dollars in your wallet, money saving expert, Andrea Woroch has some great tips in this episode. She also recommends checking out some ideas on the Experian webpage. #cutcosts https://ift.tt/brQWA2c — view on Instagram https://ift.tt/pj7ElvR

[mopiexnews]

Las mejores tarjetas de crédito para comprar comestibles tienen esto en común

Andrea Woroch Andrea Woroch es una experta, escritora, oradora y colaboradora frecuente en el aire reconocida a nivel nacional a la que le apasiona ayudar a las familias estadounidenses a encontrar formas sencillas de ahorrar más sin cambiar drásticamente su estilo de vida. Un recurso mediático codiciado en todo lo relacionado con finanzas y ahorros, Andrea ha aparecido en cientos de programas…

[alljaankari]

Money-Saving Habits of Successful People

A good saver starts early, says Janet Stanzak and Kristin Garrett, certified financial planners who started Financial Empowerment to help people change bad money habits. Children are often taught to save money for a rainy day, but even those who were not have also learned to take advantage of opportunities. “When they see that they have an option, such as a retirement savings plan through their employer, they take it,” Garrett says. Financial decisions shouldn’t be procrastinated by good savers.”

A Good Saver Has a Retirement Account

Investing between 10 and 15 percent of your paycheck into a retirement account each month isn’t new advice, but it’s worth repeating because this is your future we’re talking about.

Savings Should Be Based on Needs, Not Wants

According to Stanzak, one of the biggest lies we’re told these days is that wants are needs. “I have heard so many clients tell me that travel, new clothes, and eating out are all real needs,” she says. For more money-saving tips, read about the things rich people never waste their money on. Instead, good savers make a list of what they really need and want.

Autopay is Not a Good Saving strategy

A lot of people think autopay makes banking easier, but Garrett says that it makes it too easy for money to flow in and out without a sign. Whether you write out a physical check or fill out an online form, paying your bills intentionally helps your brain remember the expenditure. If you set up autopay, don’t forget to set it and forget it (no late fees, after all!).

At least once a month, check your transactions to make sure the charges are accurate (by the way, these are the bills you should not put on autopay). As Garrett says, good savers keep track of every transaction they make in their budget.

Budgeting is The Key to Good Saving

One of the hallmark money-saving tips from savvy savers is to keep a real, honest-to-goodness chart or spreadsheet that they update and balance regularly. “The first sign that someone has a money problem is when they can’t provide their monthly cash flow,” Stanzak says. Savings are impossible if you don’t even know how much you have.

Cash or Checks Are the Best Ways to Save

It’s not a hard-and-fast rule, but good savers often use physical types of money. The average cash transaction costs $22, whereas the average non-cash transaction costs $112. According to statistics, people spend more money with credit cards than they do with cash. It takes a mental speed bump to slow down many impulse buys when you hand someone cash or write out a check if you’re trying to save.

Saving is a Priority for Good Savers

As a consumer finance expert, Andrea Woroch says that one of the best ways to save money is to simply make saving a priority in your life. In order to have a stress-free retirement, make sure you avoid these retirement budget mistakes. They put savings into retirement accounts or other self-directed savings accounts first.

A Good Saver Keeps Track of Even the Tiniest Details

It’s just a latte here or an app for $0.99 there that can add up to big expenses, Garrett explains. A good saver records all expenses, even the tiniest ones, in their check ledger or budget. This can also help you uncover hidden fees you were unaware you were paying.

Look For Deals If You Want to be a Good Saver

Using coupons, hunting down the best deal, and researching all your options before purchasing are all part of being frugal. In order to make the best buying decision, Woroch advises that good savers research alternatives such as used options, compare competitors’ prices, find coupons, and read reviews in detail before making a purchase. Here are some coupon apps that can save you money and time.

A Good Saver Adapts to Life’s Changes

It’s amazing how many divorcees continue to live the same lifestyle even after they’ve been divorced, Stanzak says. Life changes, such as layoffs, divorces, and illnesses, inevitably affect our budgets. Regardless of how painful it may be to acknowledge, good savers adjust their spending to reflect their new earning or income status.

A Good Saver Takes Advantage of Free Money

You get a discount on your insurance if you get a checkup every year. Does your company offer employee stock options or match your retirement savings? Does your company offer flight miles or hotel points that you don’t use? The paperwork may take a little more effort, but it’s worth it. Many people leave this “free money” on the table.

A Good Saver Has Savings of Three to Six Months’ Expenses

You’re just one bad car accident or layoff away from financial ruin for millions of Americans who live paycheck to paycheck. Good savers are always saving, even though it seems obvious. Depending on your lifestyle, you may need to save at least three to six months of basic expenses like mortgage, insurance, utilities, and food. According to Garrett and Stanzak, savings need to cover three to six months’ worth of expenses.

Honesty is The Mark of A Good Saver

In spite of the fact that none of us are getting younger, Stanzak says that so many people are living in denial of the fact that each of us faces financial risks. The best savers are honest about their risks—advancing age, tenuous job security, chronic health problems, family issues, etc.—and plan their savings accordingly.

[superbnature]

Hot & Cold by marcinworochpl

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Morning on the Lake...

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Tatra Mountains.... by marcinworochpl

[we-are-in-gods-hands]

Morning on the Lake... by marcinworochpl Aerials Harrogate

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Hot & Cold by marcinworochpl

[travel-in-pictures]

Lesser Poland Voivodeship, Poland 

by Marcin Woroch from Poland 

Source | Google Maps

[clogging]

Kapliczka Św. Wawrzyńca na Śnieżce.... by marcinworochpl

[superbnature]

Pieniny Mountains.... by marcinworochpl

[atila2020]

Kapliczka Św. Wawrzyńca na Śnieżce.... by marcinworochpl

[connor-burrows]

Pieniny Mountains.... by marcinworochpl

[abcnewspr]

HIGHLIGHTS FOR ABC NEWS’ ‘GOOD MORNING AMERICA’ SEPTEMBER 30 – OCTOBER 4

The following report highlights the programming of ABC’s “Good Morning America” during the week of September 30-October 4. “Good Morning America” is a two-hour, live program anchored by Robin Roberts, George Stephanopoulos, Michael Strahan and Ginger Zee is the chief meteorologist. The morning news program airs MONDAY-FRIDAY (7:00-9:00 a.m. EST), on the ABC Television Network.

 Highlights of the week include:     

                                                          Monday, September 30– Author Debbie Harry (“Face It”); conservationists Bindi Irwin, Terri Irwin & Robert Irwin (“Crikey! It's the Irwins”); author Skai Jackson (“Reach for the Skai”)  

 Tuesday, October 1– “Dancing with the Stars” eliminated couple; author Rachel Hollis on her 90 days challenge to change your life

                              Wednesday, October 2—Actors Kevin Smith & Harley Smith (“Jay and Silent Bob Reboot”); savings expert Andrea Woroch; chef Helene Henderson

Thursday, October 3– Deals and Steals with ABC e-commerce editor Tory Johnson; actors Natalie Portman & Jon Hamm (“Lucy in the Sky”); cooking with Kevin Curry (“Fit Men Cook”); a performance by Runaway June

Friday, October 4– Actor Will Smith & director Ang Lee explore Budapest (“Gemini Man”); cooking with Lorena Garcia, Jordan Andino, Angelo Sosa

 ABC Media Relations

Caragh Fisher

(212) 456-3437

 Elizabeth Hecht

(212) 456-6872

– ABC –

[robeight]

If you're going to be staying in a hotel, you may as well try to get some free perks. Here are some tips to help.

We all know that person who travels all the time for work and always seems to get free upgrades and other perks and most of us have wondered why it can’t be us. Well, now it could be. Travel experts share their tips for getting hotel perks and extra amenities without having to spend a lot of money.

Try booking with the hotel directly - Budgeting expert Andrea Woroch says you can sometimes get a better deal when you book with the hotel because they don’t want to lose that reservation to a third-party booking site. And she says they’ll also be more likely to give you some free amenities when you deal directly with the hotel. After you do, try sending an email to the hotel with the details of your stay and tell them how much you’re looking forward to your stay, it may flag you for special attention.

Do a comparison with third-party sites - Sites like Hotels.com do a good job of promoting the free perks that hotels offer up front, like free breakfast and free parking, plus they make it easy to compare prices and amenities. Travel blogger Esther Susag prefers Booking.com for free upgrades and amenities.

Tell the hotel you’re celebrating - Chris Hutchins, a “financial optimizer,” also suggests sending a personal email, but taking it a step further by telling them you’re celebrating anything special. “I’ve seen this work so many times I stopped counting, and people have gotten free upgrades, free breakfast, a bottle of champagne, and one time, the hotel actually monogrammed the guest’s initials on their pillows,” he says.

Join the loyalty program - Susag says this is the best way to get extra perks, plus she believes hotel staff are extra accommodating when you’re a member of the loyalty program.

Do your research - Read those Tripadvisor reviews to answer questions about the hotel and talk to the hotel concierge to find out about on-site happy hours, activities, reservations and anything else you might need.

Just ask for upgrades - “Perhaps the easiest way to get hotel perks is by asking when you check in,” travel blogger Sean Lau says. They want their guests to be happy, so they’re often willing to accommodate your request. And if you don’t ask, you’ll never know.

Be nice - Susag advises calling the hotel itself because when you’re kind and polite hotel staff are much more likely to help you out. Hutchins says he’s found that just being nice to the person checking you in and asking if there’s anything special they can do for your stay can sometimes result in an unexpected surprise.

Source: Huff Post