Real Family Life

 Many people assume that buying a brand element guarantee quality. But is this really the case? Generics are just cheap imitations of the real thing, or are expensive but equally reliable alternatives less? As with many things that Yes is the answer to this question and no.

Even if the answer is not "cut and dry", we can list a few things, you should buy more generic:

I am surprised, that you a product that is less than the exact can sell same product 40%, only because it comes in a different color or bottle. However, this is the case, if it around on the medicines counter (OTC).

The food and Drug Administration (FDA) have requirements in place, which make sure that generic OTC have exactly same active ingredients (in the same doses) than the brand name drugs with which they compete.

The generic equivalent is no different from the more expensive brand name. Like many other brand versus generic comparisons, we, that the price difference will find most budgets (among others) is due to the difference in marketing, advertising and packaging.

This is drugs, eye drops, pain not only for pain relievers, but also for the cold and cough relief patches and most other OTC medicines. In any case, are the ingredients both to be sure.

Yes, I know that this article says "always buy", but me excuses. Keep in mind what we on the FDA and over-the-counter medications above said? Now, the same rules apply for prescription medicines as well as. The generic version of a prescription drug must have the same Active dosage units as brand counterpart.

For some people, drugs are more effective for their State but the brand. Actually, there are some people, the fair better if you include the generic version of a drug with the brand. I have no idea why the (because I'm not a pharmacist or doctor), but after he I know for a large pharmaceutical company, this to be true.

Make sure that you talk with your doctor before you decide to opt for the generic version of a drug. Based on your condition, other medications you are taking, or other factors, he can recommend to hold the branded version.

As I began, I remember hear stories of certain gas stations to water down their gas! The common theory was that any "no-name" gas station, priced significantly less than a brand name was station directly across the street, water, gas, added to make more money per gallon. Therefore, they could have lower prices.

If we (my friends and other drivers, I know), that a difference in the performance we then believed our cars which with both types of gas in the tank, unnoticed, that explains the gas only inferior and why it was cheaper. The big oil companies only took for themselves the "good" oil and left the no name with the "bad" oil! Hey you all! We were children, give us a break!

Then, a related got a job for one of the largest oil refineries in the country. He told me that this would be huge oil tankers each oil company fill up with gas. From the same supply lines, each company was given its gas; Which means that there is absolutely no difference in the gas as it is pumped into the trucks.

The other amazing thing, which I said is, that (at the time), if a company wanted to say that their gas contain special detergents, was it good for your car, everyone only needs oil tanker a gallon to!

This means that you can feel comfortable with the purchase of the cheapest gas in your area. I think it also means that you should pay definitely no premium for gas, which claims full of detergents to clean your fuel pipe be!

Bleach is bleach!

I think I over this right should write? Name brand and no name bleach solutions are mainly water. What you have to compare, is the percentage of the active ingredient (sodium hypochlorite) in the solution. Of course there are other types of bleach for more specific uses, but if you are just buying regular, household chlorine bleach to clean the basic areas of your home, save your money and go generic.

As long as the bottles have the same amount of the active substance, they are virtually identical for cleaning purposes.

A former musician and emergency sound man, I have to purchase a number of cables in my life. Add in the fact that I gadgets and computer love, and this number is growing and growing! I honestly, not too many products for you a wide range of prices for essentially the same product can find!

I have purchased computer cables out of the local dollar store work well! No need to spend $50 for an Ethernet cable by a chain of electronics! The same goes for this insanely expensive Monster Cable (yes I or two in my younger days)!

The less expensive cables are good, and they are destroying your expensive electronic devices with them.

This is another odd. There are huge tags for basic spices in most grocery stores. You are just buying salt, oregano, pepper and nutmeg, etc.-These are all things we receive dollars, from the local store if we out run. I don't really think that the other companies have a better salt "Recipe"!

Photo by Suat Eman

What are some of the items for which you will never buy the generic version?Which items would you to this list add top?Tagged as: dollar store, food costs, shopping

 It's no secret that can coupons to save you money; the problem is usually with the search to these coupons. Sometimes you luck and come across a great coupon, but not too consistent savings result in happiness. You must have a consistent plan to see significant savings through the use of coupons, where you use them. Here are a few tips coupons you find so you can save money on the things that you really want to buy.

The newspaper
Their Sunday newspaper is still a viable source for coupons. Also if you can not set of with great discount coupons in the paper, no other source the newspaper for the sheer amount of discounts beat. You can the purchasing power of your newspaper coupons by search after a grocery store, a double coupon day every week has increase. I buy regularly several copies of the newspaper, so I have some of the same coupons to use so that I can create my stockpile.

In the supermarket
Many companies now make their coupons in the supermarket. How's that for convenience? While you shop you do, pay particular attention to the small plastic coupon dispenser. Make sure that you pick up coupons relating to one of the products that you buy regularly. You even may save the coupon is the product for sale for further savings.

Visit the website of the company
Companies do just about anything to get their demographic customer information. If a product that you particularly enjoy, or one that is particularly expensive, please visit this company's website. Often, when you register your e-Mail address on their website, the company will send special coupons or other offers. Don't forget to check whether they have a Facebook page.

Product packaging
To repeat consumers to promote purchases, the manufacturers sometimes placed coupons on the packaging. Search on the bottom of the label for coupons, you can take to your next trip to the grocery store. Since the coupon on a product you already have bought was, you will already know if your family like the product.

Entertainment Book
Forget you for useful coupons that are suitable to your own site, check out "Entertainment Opernmagazines." These books are sold as fundraisers for schools, churches and other groups. From retailers, restaurants and attractions in the entertainment book, you will find coupons for everything.

Online coupon codes
Finally, forget not to locate, coupons, when to order you online. I make it habit, never buy anything on line without to see if there is a discount. CouponSnapshot.com is a great resource when searching for the latest online coupon codes.

So, what are your tips for scoring valuable coupons?

 Many of you have already either get your tax refund or expect in the next few days. Can be very simple to just waste the money, which will provide a great benefit for you on something. Here are more productive ways to spend your refund.

If you don't already have an emergency fund in place, and receive a refund, trade tax refund this year, here's your chance! The point of an emergency fund is so you can make money aside, if something unexpected comes. If you are not financially prepared for emergencies, you can be then forced, rely on high-interest credit cards, or tap out to get in your retirement.

Even if you are in debt, you can really do have a "reasonable amount" of savings! It can be tempting, apply the full amount on debt repayment, or spend even blow on a new toy. However, if you aren't ready for an emergency are run the risk of falling into financial ruin.

If you are in debt, try aside enough to cover reimbursement of your tax to 1 month the cost of living, then proceed to the next suggestion…

To be honest, I wanted to make the proposal, which you pay off all debts you may have, but I wanted a mortgage to shift debate not the focus of this article.

If you have debts for you a high interest rate are charged, you must use your tax refund to remove! It can sometimes just lose motivation when attempting, you pay debt with small amounts every month.

With the restitution is a great way to give your debt repayment plan a great shot in the arm!

Set up an emergency fund and get out of debt should be at the top of most of our lists. This allows us the financial stability, shock, and the freedom of choice for an unconventional path handle have!

I run into people of all the time, a heart to give, but not about the resources will have. There are many things in life, which can complicate to be in need. I've also noticed that many times if we of what is to do with think a flat rate (such as a premium or a refund of tax), we automatically try to find something, providing a significant advantage for us. However, we should consider this also as an opportunity to comply with our request.

There are a number of causes and organizations that we provide. If you are a member of a church, is the first place you should give your local church. Then, you think of other ministries to support the causes that align with your heart. Of course, you must not a Christian to be - there are so many large organizations (of various affiliation) that look to make a difference! If you, family members or friends who could use a helping hand, may know, a further option for your tax refund.

So, before you think about all the great things you can buy with the refund check, the less happy than you, and use this as an opportunity to help.

This is an area, need in the most Americans some serious help! Many people are in despair behind, when it comes to prevention. One of the easiest ways of to get your retirement provide a kick start is using your tax refund fixed to an individual retirement arrangement (IRA)! Check out the current IRA contribution limit and start today!

You can increase also the amount you contribute to an employer-funded pension account, such as such as a 401 k. This makes sense, especially if you have reached your limit on the IRA. What you can do is leave your refund in your savings account, and then increase your annual contribution (be sure not to exceed the 401k contribution limit) of the amount.

Have you ever wanted, to learn a new skill or trade? You feel as if your career could use a boost of more training? If so, take your reimbursement of trade tax and invest in your professional development!

Many universities and community colleges provide training and/or professional development courses during evenings and Saturdays. Courses, you can start your computer skills to improve, or even to a professional certification or degrees!

This list is not exhaustive, but simply can serve as a starting point, if what do with your tax refund, taking into account. Also, do not think that planning a vacation or buy furniture with the refund is wrong! To verify that you are responsible in your decision.

If you gain more satisfaction from your debts see disappear or building an emergency fund, take the holiday to another time.

Photo by Salvatore Vuono

Have you received a refund trade tax refund this year? If so, how to spend it? Follow the same logic, when it comes to other one-time payments?You are one of the millions of people, who do not yet have tax declaration? If so, don't hesitate to contact us for tax preparation.Tagged as: debt, emergency fund, other than money, shopping, spending