How to Make Deodorant


By now, most people are aware of the links between deodorants containing aluminum and Alzheimer's. Aluminum is one of several highly toxic substances the Food and Drug Administration doesn't protect us from. The non-aluminum deodorant choices stacked on mainstream market shelves don't do a lot to disinfect or cloak the sweat emerging underarm, either. Consumers wanting the healthiest alternatives are turning to do-it-yourself approaches and figuring out how to make deodorant or the sometimes pricey options available from a few of the more prominent green brands. Fortunately, where affordable deodorant is concerned, the do-it-yourself formula couldn't be easier to put…

Alternative Credit Scores


What are Alternative Credit Scores + Why Should We Pay Attention to Them? Currently the dominant credit scoring company is FICO. Their data is used by most businesses that need credit information to evaluate risk. Most people are familiar with how FICO's system works and we have a basic idea of what activity will lead to a good, fair, or poor score. FICO has revealed the main factors that build a credit score, but the exact algorithm is a trade secret. Alternative scoring companies like PRBC, use a different set of data to build credit score numbers. These alternative credit…

Does Your Spending Match Your Values?


[caption id="" align="alignright" width="230" caption="Image via Wikipedia"][/caption] There are a number of ways you can learn about people by watching what you do. Indeed, it is possible to learn a little bit about yourself by taking a step back and examining your own habits. As you consider what sort of person you are, and the kinds of things you value, it can help to look at your spending as well. You may not realize it, but your spending reflects what you truly value. Put Your Money Where Your Values Are Try this exercise: List out the things that you value.…

Facts About Public Liability Insurance


There are several forms of business insurance that are required by law, together with other policy types that are advisable in properly protecting any business. Mandatory forms of business insurance include public liability insurance (PLI). This is designed to protect the general public and customers when they are on your premises. Inversely, it affords protection when you are carrying out business activities on their premises. Employer’s liability insurance (ELI) protects the business against the costs associated with any claims made by staff that become sick or injured during the course of their work. Finally, professional indemnity insurance provides some level…

Not Another Top 10 Reasons to Cancel Cable List


We get subscribed to our cable television and phone services through the local (monster) cable company.  Last month (and quite a few months prior) our bill was $115.01 (13% sales tax hurts).  Internet isn't even included and we shell out $1380 a year.  This had to stop.  We decided we had to cancel cable and find more cost effective solutions. Enter the great resources over at HowToSaveMoney.ca.  I had already used Saving Mentor's site to research the best rewards credit card available to us and new this site would do us wrong, assuming SM had covered the Internet TV topic. …

When is the Dividend Ex Date?


If you are starting to invest in dividend paying stocks, then you are finally starting to see some dividends. You should see them coming in on a monthly basis if you have chosen to invest in stocks that pay dividends monthly. However, most stocks will pay out distributions on a quarterly or semi-annual basis. If you have decided to stagger your dividend payments, you can effectively create a dividend portfolio that will pay each month. There are even stocks that only pay dividends once a year. That is why it is important to know when the pay date is for…