I Want To Open A Bank Account For My New Business. Do I Need An EIN?

When you are looking to get your business off the ground, capitol will often be the difference between your company succeeding and failing. When it is time start your business, you can easily gain the finances you need. Completing the EIN application is easy and you will quickly secure an answer.

What Goes Into the EIN Application?

The EIN application needs to be done if you are starting your new business, and you want to hire employees. When you want to open a business account or a line of credit, an EIN will help you get much needed financing. If you are going to change the character of a business or its ownership, you will need an EIN.

The IRS will treat entities differently depending on the tax structure. You can easily review what type of business to determine your entity. Any entity can apply for and secure an EIN.

How Can a Trust Apply for a Federal Tax ID?

There are two types of trusts that can secure a trust Tax ID Number, the revocable and irrevocable. Do not wait to secure a Tax ID number if you are considering a trust to manage your assets. The IRS uses this nine-digit number to distinguish your trust.

The revocable or living trust features provisions that can be altered or canceled by the grantor. The irrevocable cannot be modified without the permission of the beneficiaries. The irrevocable trust must obtain a federal Tax ID number.

An EIN can not only be used to help you get money when you are starting your business, but helps you when completing a tax return. The application is easy, and once it is done, you will be able to focus on running your business.

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Managing an Irregular Stream of Income

One of the most stressful aspects of running your own small business can be having to manage an income that is not consistent. It doesn’t matter if it is the economy, weather, seasons changing, or even just serendipity, you can easily go from famine one month to feast the next and vice versa. How do you deal with this? Here are a few strategies that can assist you in staying afloat in this choppy financial sea.

Payday Loan Alternatives

This is one good way to make it from one month or pay period to the next. Payday alternative loans are quite easy to qualify for. All you need is a social security number that is valid, a checking account that is active, and a place of employment that can be verified. You will be able to borrow up to $1,250 and the terms for paying it back are quite flexible. These are great when you need cash fast because once you are approved, you can have the money in your account as soon as the very next business day.

Credit Cards

Yes, it is true that you might be able to make it from one month to the next by using your credit cards. However, this can lead to you being in even more debt. You will need to have a budget and stick to it so that you will be able to reduce your credit card debt while you are also controlling your spending. Believe it or not, budgeting isn’t just for people who have steady streams of income. In all honesty, it can be even more critical for someone whose income isn’t steady at all. You can create a budget by determining your average income and using that as a guideline. You will also need to make a list of your expenses. Then, you will need to determine what you can spend on which expenses and what, if anything, needs to be cut down or out completely.

Keep Business and Personal Finances Separate

One way to better manage irregular income is to make sure that you keep your business and personal finances separate. Any accountant can tell you that this is necessary. It will make your record keeping, and even preparing your taxes so much easier, but doing this can also help when it comes to arranging and managing your finances. If you happen to have a system for accounting that is online, consider syncing your business account with it while setting it to automatically import and then track any expense transactions. This can provide you with a dashboard type view of your flow of cash. If you also happen to be working with a CPA or a tax preparer, this can make getting the reports that they will need that much simpler.

Set Money Aside

In addition to your business account and your personal account, you should also have a savings account. When you experience good times financially, you can put any additional income into your savings account. Then, when you fall on hard times, you will have something to fall back on. Your goal for a savings account should be anything from 3 to 6 months of what your net income typically is. You will be able to use this savings account so that you will have money for things like dental or medical emergencies, car repairs, emergency expenses for your home, such as a fire or flood, or even for expenses that might be related to bereavement.

You might also want to have a long term savings account in place. This could be a separate savings for things like down payments for new property, a retirement fund, or even a college fund for your kids.

Be Thrifty

We all face temptations to spend more than we have. Having an income that is erratic can do wonders when it comes to teaching you how to have and maintain a lifestyle that is cost effective. You can do this by looking for ways to save money on everything from business to personal expenses. You will also need to be careful with credit. Credit cards offer up their own temptations, but you should never charge more than you will be able to pay off when the bill comes in.

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Overrating Responsibility: The Case Against Contributing Extra to Your 401k

An employer-matched 401k is an outstanding benefit from any angle. An employer match for your contributions effectively doubles your money instantly, and all of it sits safe and undisturbed, patiently waiting for the day you’ve finally saved enough for that retirement cruise around the world. Saving for retirement seems like such a noble pursuit, it can seem like every dollar placed in the account is in the best possible place and for the thrifty type, the allure of contributing above the match maximum can be hard to ignore. However, is this really the case? Is contributing extra to your 401K the move of the savvy or the suckers?

The most commonly cited benefit of a 401k is that it builds value over time and allows your money to work for you. While this is true, the fact is that as an investment method, an employer-run 401k is extremely underwhelming in its potential. Check out Suncorp to learn more about planning for your own retirement.

These funds are set up to be as stable as possible, which sounds like a good idea until you realize that this strategy also limits your return. Interest rates on 401k investments are typically under 2 percent, and if you are already investing in your 401k at work, there are many places where your money could work harder without significantly increased risk.

An extra contribution to your 401k also reduces your day-to-day cash flow. This is certainly worth the deferral in the case of a full employer match for your contribution, but without such an appealing incentive it becomes much less beneficial to you. Many people would be better served applying their resources to immediate needs and retaining an emergency fund equal to about 6 months pay in case of an emergency.

Another reason not to overvalue employer contributions is that they can be temporary. Most employers only provide the match amount for as long as you are with the company, and if you part ways you may be left with the dual issue of no immediate income and limited liquidity.

Contributing to your 401k plan is a solid and prudent investment. However, there is certainly a point of diminishing returns on the concept, and an overinvestment here is an underinvestment elsewhere. The future cannot be overstated in its importance, but you have to go through the present to get there. Keeping as many financial options as possible open is the way to arrive fastest.

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Buy This, Not That: 10 Things You Are Wasting Money On

For a lot of people, generic equals inferior. In the past, generic brand products were packaged in white wrapping with black lettering which was a stark contrast to the bright, colorful packaging that sheathed most name brand products. Perhaps this is why generic brands are often still thought of as inferior. The thing is, generic products of today aren’t what they were 20 years ago. While in some cases the name brand really is better, going generic can save you a bundle of money on many products, and you probably won’t even notice the difference. Below you can find a list of name brand products you are probably wasting your money on.

Name Brand Prescriptions

Ever wonder why generic brand drugs are so much cheaper than name brand ones? When a company creates a new drug, they buy a patent that gives them the right to be the exclusive seller of that drug as long as the patent is current. When that patent gets older and will soon expire, other drug makers are able to obtain permission from the FDA to use the formula to create a generic version. Because these companies do not have to pay the costs of developing the drug, they can afford to sell it for a fraction of the name brand cost. The generic drug is not allowed to look like the name brand one, but the FDA requires that generic drugs be as safe and effective as name brand ones. Many “generic” brands are even produced by the same manufacturer that produces the name brand version.


There’s absolutely no reason to pay $4.00 for a box of cereal when you can buy the generic brand about 30% cheaper. But what about taste? Good news: in several blind test studies, kids who were given brand name and generic cereals could not tell a difference. Personally, I buy the generic brand of all cereals except Cheerios (simply because the generic brands seem to get soggy faster). If your kids are picky about their favorite cereal, try combining the name brand and the generic brand in a plastic container so they can’t see the difference.

Pantry Staples

Government regulations require the same manufacturing and storage procedures for all staples (i.e. eggs, milk, flour), no matter the brand. So buying the generic brand is just as safe and tastes the same. And staples rarely go on sale or have coupons, so buying generic is almost always cheaper.

Electronic Cables

Many companies will try to sell you a $100 cable to go with that new television you just bought. Consumers worry that a cheap cable will mess up their nice new electronic, but off-brand cables work just as well. One exception is Apple products. Apple has actually put a chip in their adapters that their products need, so third-party adapters generally won’t work. For all other electronics, check online for cheap options.

Beauty Products

Many off-brand beauty products copy name brand formulas; if the technology isn’t patented, it is fair game. However, anti-aging products often are patented, so going with the name brand might be best. The only way to know if a generic product is good is to try it. Many stores will let you return generic products even if you’ve used a noticeable amount. If you’re looking for a specific type of beauty product, look up customer reviews on different brands online.


Store brand beverages are produced regionally, so they are actually a smarter purchase than name brand ones. Regionally-produced products usually go through less processing and transportation that national brands, which can make them taste better. As far as sodas go, store brands are much cheaper, but many people are attached to a certain soda and can’t make the switch. When buying soda for a party or a soda that you’re not particularly attached to, opt for the store brands. In taste tests, many soda drinkers couldn’t tell a difference.


There is something to be said for the way a pair of Sevens will make you look and feel. But don’t rule out off-brand jeans; many of them will make look just as good for half the cost. Good jeans are tricky to find no matter what brand you get, so you may have to try on several brands before you find one. However, in the process you’ll develop an eye for how jeans are tailored, which will help you to quickly bypass the less cute ones. Read customer reviews online and try stores like Ross or Burlington Coat Factory for a wide selection of off-brand jeans.

Infant Formula

Generic brand infant formula is cheaper for the same reason generic brand drugs are cheaper. Generic brands don’t have to spend money on developing the formula, so they can sell it for less. The FDA requires the same nutrients in all of them, so your baby will get the same benefits. Generic formulas have to follow the same manufacturing and safety guidelines as well, so there’s no added risk. And again, some companies produce both a name brand and a generic brand formula.

Cleaning Products

Cleaning products can be tricky. Some generic cleaning products are equal to or even better than the name brands, while others are decidedly less effective. Consumers report that name brand paper towels and window cleaner are usually worth the money. Generic paper towels tend to be too thin and generic window cleaner often leaves streaks. However, off-brand scouring powders tend to be equal to name brand ones, as do disinfecting wipes and bathroom cleaner.


Some non-perishables like cookies and some chips have a less pleasing texture or taste than the name brand. But products like pasta, canned fruits and vegetables, and crackers tend to be equal in quality. The fewer ingredients an item has, the more likely that the generic brand tastes just as good as the name brand.

Remember that name brands spend a lot of money on advertising and attractive packaging to sell you a product that may not be better than the generic one. And in some cases, the generic and name brand companies are the same. If the labels say the products were made in the same town, chances are they were made by the same company. Be aware of sales and coupons for name brands that may sometimes make them cheaper than the generic brands, but generally shopping generic is a better value.

Edson Senna is a freelance writer who specializes in finance and law. As part of his finance work, he does consulting for companies like Infinite Wealth Advisors, financial planners based out of Greensboro, North Carolina. Edson is currently single. In his free time he enjoys, biking, running, and swimming.

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Knowing the Basics of Investing in Shares

Shares are one of the most rewarding long-term investment tools in the financial market. When you buy a share of a company, you’re buying a small portion of the ownership of the company. Along with other shareholders, you have voting rights, as well as accessing the potential financial gains of the company over time. However, before you get started with share investing, there are some essential things you need to know in order to successfully balance risk with reward…

investing in shares

What causes share prices to move?

Share prices are influenced by supply and demand. Share prices tend to rise if the future prospect of a company is good and fall if the performance is not promising. If a company is making profit or is growing and is likely to make a profit in the future, investors will buy the shares and the price will rise. For instance, Asos, a world leading online fashion retailer, recently announced that it would increase investment in people, technology, marketing, and logistics, including expanding its fulfillment center in the US. Stunning sales growth has also sent Asos shares up at 5.219 pence in November 2013 as compared to a share price of 4 pence in 2003.

Share prices are also affected by economic conditions. When the economy is doing well, companies are more likely to perform well and deliver strong profits. Investors are more confident in buying the shares of these companies. However, if the economic condition is poor or unstable, the companies’ performance will suffer. Investors may fear about future profits and hence reduce the demand for shares. Share prices will fall as a result.

Why invest in shares?

Although buying shares involves risks, the returns are high over the longer term. Shares tend to perform better than bonds, property and cash accounts. As shareholder, you benefit from a share in the profits of the company in the form of dividend payments, which are normally paid twice a year. Furthermore, shareholders have the opportunity of capital growth when share increases in value over time. It’s still important to note that neither of these returns is guaranteed.

Which shares are good investments?

Stock picking means you have to do your research. Find out about the fundamentals of the company by looking at its operation and economic health, including assets, liabilities, profits, losses, debts, and future growth. Read finance news and company annual reports to make an informed choice. Whichever companies you choose to invest in, it’s important to diversity your investments and spread your risk by holding a portfolio which includes shares of companies in different business sectors. The earnings of defensive sectors such as healthcare and telecoms are relatively stable and predictable during both good and bad economic times. Cyclic sectors, on the other hand, such as finance and construction are more susceptible to adverse economic impacts. A diversified portfolio helps to ensure that if one sector is not performing well, you will reduce your overall losses by spreading your money over other sectors that may be doing better.

Before deciding how much to invest, you must assess your investment profile based on your investment objectives, time horizon and risk tolerance level. Think about how much of a profit you’re aiming for, how long you expect to be on the market and how much you’re prepared to risk. You can then enter the trading floor armed with a good amount of knowledge and forethought.

Image by Andreas Poike, used under Creative Comms license

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Travel with Your Customers: The Many Benefits of eCommerce

The business model that utilizes online methods of reaching out to customers and completing transactions is called eCommerce. By using eCommerce, you can make customer satisfaction, integration, and reviews much more achievable. And by using personalized methods of reaching out to customers, such as social media articles, promotions for special members, and long-standing clients, sellers can establish a strong following that has more attachment to the general product or services. Websites can serve as an emotional facet of the company’s mission, values, and products by utilizing imagery, prizes, content, and access.

Starting an eCommerce Business

Starting on an online business does not have to be a daunting process, especially if you have a physical location for your store or office. There are a series of different software programs that allow you to incorporate eCommerce functions directly into your existing business, utilizing payment functions, carts, and technical support.

The benefits that come with a solely Internet-based eCommerce website are quite large, saving you money on standard office materials needed in rented spaces such as malls. Items such as bags, POS receipt printer, large POS systems, landlines, and utilities for a rented space can be written off all together. There will still be costs such as hosting, website design, as well as cell phone use, but overall, the costs are cut greatly, possibly saving a vendor the need to rent a space.

Build an Online Presence

An online presence is a term that means getting your business model and services out into the public eye. Social media platforms such as Twitter, Facebook, Linked In, and Google Plus are all invaluable tools for product awareness, as well as content and advertisements. A website that has branding expertise, a uniform color scheme for materials, descriptive content, analytics, social media widgets, contact information, and shopping cart features has a strong advantage in terms of standing out; being unique is the best way to gain a competitive advantage.

Follow Your Customers

Using marketing tools such as analytics is a great way to understand which sites and platforms contribute the most to your businesses traffic, allowing you to concentrate your focus on specific outlets rather than spreading yourself too thin. Analyzing market trends and factors contributing to your market sales is a great start and sites such as forbes.com always have updates related to marketing and business. Knowing you market allows you to better track, understand, and work with your customers to generate trust, improve leads, and eventually lead to word-of-mouth advertising; the gold mine of all advertising. Making your site compatible with smartphones allows your business to travel with customers and gives you a competitive advantage over other retailers that have web designs specifically for computers. Smartphones are becoming more and more essential in the retail market, so adapting to the emerging market is the best way to move forward with eCommerce designs and functions.

Overall, eCommerce is an emerging and necessary mode of business operations, and according to emarketer.com, B2C (business to customer) models are growing in popularity due to a strong convenience factor, so it’s important to take hold of the trend no matter how new or old your business is.

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Why You Really, Really Do Need Travel Insurance

If the cost of traveling simply was the cost of getting from point A to point B, a lot more people would do it a lot more often. The reality is travel includes a lot of other costs beyond getting to your destination such as accommodation, car rental, meals, activities and the rest. When you start adding the cost of all this all up, it’s usually expensive enough without having to worry about paying for travel insurance as well. This is one of the reasons that many people opt not to get it. However, not having travel insurance when you really need it could mean you pay out a lot more if something unexpectedly goes wrong.

planning a trip

Cancelled Flights

Say your flight gets delayed, cancelled or rescheduled, what happens then? If you have travel insurance, your insurer may pay for accommodation, meals and transfers while you wait for your flight. You could be also be reimbursed for prepaid accommodation, tours and activities you miss out on at your destination because of the delay.

Losing your Phone

It’s not unusual to take your phone, your tablet, your laptop, your mp3 player or your camera on holiday. What happens if you lose them or they are stolen? Travel insurance can cover loss, damage and theft to items of value while you are travelling. Bear in mind that you may need a police report if the item is stolen, and certain insurers will only cover an item’s value up to a certain amount.

Losing your Luggage

There’s nothing worse than waiting at the baggage carousel at the airport and your luggage not turning up. Travel insurance can cover your luggage if it is lost by the airline, and it can also cover it if it damaged, lost or stolen during your trip. If you have any valuable items, it’s usually a good idea to cover them with the insurer individually.

Hospital Trips

No one plans to get sick or injured while they are travelling, however, it does happen. If this were to happen to you, could you afford the medical bills? Say you were travelling in the US uninsured and you broke your leg. You could expect to pay almost $70,000 in medical bills. Imagine how much you would pay for a more serious injury that required hospitalisation or repatriation. With the right travel insurance, those costs could all be covered.

Fender benders

Thinking of hiring a car while you are away? What happens if you have an accident? Car rental excess can often be in the thousands – can you afford to cover that? Travel insurance can cover car rental excess if you need to make a claim.

Why you need travel insurance!

Medical: This can cover sickness or injury that requires medical treatment, repatriation and medical evacuation. You may also find dental cover is included, as well as accidental death and permanent disability cover.

Lost, Damaged and Stolen Items: Travel insurance can cover luggage as a whole, or individual items against theft, damage and accidental loss. Travel documents and cash can also be covered.

Snow sports: Snow sports can be dangerous – and costly if you need medical treatment. If you plan to take part in snow sports, you may need to take out additional cover.

Cover for the whole family: You can buy travel insurance as an individual, as a couple or as a family, depending on your needs.

Long and short-term cover: You can buy single trip insurance, longer-term cover, or annual cover.

Different levels of cover: Different levels of cover are available, depending on what you need and how much you are willing to spend.

If you want to find the best travel insurance for your needs, be sure to shop around for travel insurance quotes. Compare your options, read the terms and conditions, and make sure the cover you choose gives you the cover you need.

(Photo courtesy of Doug)

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The Psychological Benefits of Having Life Insurance

When people talk about life insurance, they usually focus on the practical side of purchasing it. This is certainly an important aspect, and everyone should take into account the practical benefits that come with having life insurance. These include such things as providing needed income, covering medical and funeral expenses, and paying for debts and taxes. What people often fail to take into account is that in addition to practical benefits, there are also a number of psychological benefits that come with having life insurance.

life insurance benefits

General Stress Relief

Money, or the lack thereof, can cause stress even in the best of times. This stress only compounds when a tragedy strikes a family. The last thing that grieving family members want to deal with is trying to figure out how to pay for all the short-term and long-term expenses that come with a death. Life insurances helps to alleviate this money stress. You can click here for more information.

Stress Relief for Beneficiary

This stress relief, however, isn’t limited to when a tragedy happens. Having life insurance also relieves the stress of having to even think about this stuff. The “What would I do if you died” question is taken off the table and no longer needs to be a discussion point when finances come up. By purchasing life insurance, you give your partner the ease of mind that if something should happen, they aren’t going to have to worry about how they are going to pay for things and where to get money far in advance.

Stress Relief for the Partner

At the same time, you both should feel more confident and at ease knowing that if one of you should pass, the other would be financially taken care of. They would be in a financially stable situation and not panicking about money on top of all the other issues going on. This gives you both one less issue to have to worry about when it comes to your finances.

Better Money Relationship

Even better, the discussion about financial needs when looking at life insurance should help both of you better understand the financial wants and needs of your partner. The discussion, while not always easy, will help flush out many other money issues that the two of you have, and as you come to compromises where you both feel satisfied with life insurance, you should also resolve other money issues that may have been hidden. By being able to talk about life insurance with open communication, you will reduce stress that comes with other money matters since they will need to be tackled when making this purchase.

(Photo courtesy of moolanomy)

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Things to Do After Winning the Lottery

You can’t believe what has just happened. You’ve pinched yourself to make sure it is real and you aren’t dreaming. You read the numbers half a dozen times just to make sure that you’re not going crazy. After a few minutes of hyperventilating, you suddenly realize that it is true. You really did just win the lottery. If you are like most people, this is likely a once in a lifetime event and something that you hadn’t planned on happening. Not surprisingly, you probably do not know what to do next. The following is some information that will give you some tips on what to do if you even happen to find yourself in this fortunate situation.

winning the lottery

Don’t Tell the World

Your first reaction is likely to shout from the rooftops and to post on all of your social networks about your lottery win. You are happy and you want everyone to know. However, the dark truth behind winning the lottery is that people will come out of the woodwork begging for some money, often in the guise of needing help. Fake charities will contact you, and relatives and friends you haven’t heard from in years will get wind of your financial upswing and suddenly come back into your life. People you’ve never met will write to you and ask you for money. Keep it as quiet as possible for the sake of your own privacy and sanity.

Get in Touch with Professionals

You should also contact an attorney and accountant, so you can be sure you are paying all of the necessary taxes and fees for your winnings. They can also help to ensure the safety of your winnings, and the accountant may even be able to help you invest some of your money.

Spend Smart

When you win, you will want to spend money. It’s natural for nearly everyone to have this innate need to buy something nice. You should do that. Give yourself a little leeway to buy a few things you want to have, but give yourself a spending limit. If you don’t limit yourself, there is a good chance that bankruptcy is just around the corner. The amount that you should spend will vary by the amount you win and your payment plan. Buy things you’ve always liked, but keep your head and wits about you whenever you are spending. That rare copy of The Amazing Spider-Man might be nice, but is it really something you need right now? Better your life before spending on hobbies.

Did You Choose the Right Payment Plan?

Some people feel that they should choose the annuity payments so they can receive money annually. While this might be a good choice for some, it may not be the best choice for everyone. When you have annual payments, they are going to be much smaller. You may not be able to pay all of your debt, and you may not have all of the changes in your life that you thought the lottery would bring.

Using a third-party to change your plan to a lump sum payment might be a better option. When you have the large amount of money in an interest earning account, you will be making money on your winnings. If your winnings are high enough, you might even be able to live off the interest. Many who choose to get a lump sum payment will actually take some of their money to invest in different areas, which can provide them with a safety net. Keep on working, at least part-time too, so you can still make some money to pay your regular bills. When you have the freedom that the lump sum payment can offer, you have the time to look for a job that you really enjoy. Smart planning makes having financial freedom easier for the rest of your life.

(Photo courtesy of Matthew Anderson)

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5 Ways to Hack Your Energy Bills

With the change of seasons and the weather turning colder, energy bills are likely to get more expensive as the heater needs to be used more and more. While it’s inevitable that you will need to use your heater during the winter months, the cost of doing so doesn’t have to leave you in the poorhouse. Nobody likes to needlessly waste money, but that is often what happens when easily fixable projects are delayed just don’t get done. There are a number of simple steps that anyone can take to help reduce the amount that’s spent on energy or they can consult the Energy Helpline . Here a five ways that you can hack your energy bill this winter to keep it as low as possible:

save on energy

Close Your Vents

If you have vents in your house, you better close them before you turn on the heat. This is something that people often forget to do. After all, sometimes we’re so busy during the year, that the simplest things slip our minds. Open vents circulate cold air in the summer, but they’ll also circulate air year round if they’re open. Having them open while you heat your house means that cold air is seeping into your heated rooms, driving up heating costs.

Use Ceiling Fans

Before you protest, ceiling fans aren’t only used for warmer weather. Hot air tends to rise and get trapped by the ceiling, which is unfortunate since it means you’re probably raising the temperature to keep the rest of the room warm. If you turn on your ceiling fan in reverse, or clockwise, will help push the warm air down to heat up the rest of the room.

Space Heaters

As an above tip stated, there’s no need to heat every room in the house, especially when you’re sleeping or not there. If you’re not comfortable layering on the blankets while you sleep, consider turning down the thermostat and plugging in a space heater. This will cut your heating bill by about 6 to 8 hours a day, which is a lot of you consider that it means you won’t be paying for 180 to 240 hours of heat a day.

Check Air Filters and Furnace Efficiency

Many of us probably don’t think twice about checking the status of our furnace or cleaning out air filters. But changing your air filters and checking your furnace each year will help make sure that everything is running efficiently. Sometimes the biggest reason for a high heating bill is because the furnace is old or the air filter is clogged, causing the system to work overtime to heat your house.

Room Insulation

One of the easiest ways to waste energy and money is by having doors and windows with poor insulation. When this happens, all that air that has been warmed to make the house feel cozy quickly escapes through the gaps forcing the heater to work harder and expend more energy. Make sure that all your doors and windows are tightly sealed so that no air is slipping through. If there’s cold air, your heater is going to have to work harder to warm up the room, costing you more money.

(Photo courtesy of Kenneth Lu)

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