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The Money Jar Trap
By Jeffrey Strain, Fri Dec 9th ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Publishing Guidelines:This article may be freely distributed so long as the copyright,author's information and an active link (where possible) areincluded. A complimentary copy of any newsletter or a link tothe website where the article is posted would be greatlyappreciated. ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ The Money Jar Trap By Jeffrey Strain Hundreds of thousands of people place their extra change into ajar or bank every night when they return home thinking that theyare saving money. In reality, the dynamics of saving coins haschanged over the last 10 years so that by placing your extracoins in a jar, you may actually be losing money. This is thenew money jar trap. The money jar has been a classic way for people to save moneyfor generations. The concept was easy. After coming home for theday, you simply empty out your pockets and put the coins into ajar. When the jar was full, you take it to your local bank, havethe coins counted and place the money into your savings account.While this sounds simple enough, the savings generated in thecoin jar may not be worth their face value depending on how youredeem the coins. The problem with the money jar game is that banks and otherenterprises have figured out that they can charge you for takingyour Vending Drinks Machine Bedfordshire
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Sony planning PlayStation 3 and Blu-ray vending machines - Thetech Herald Seemingly not content with selling its goods at walk-in retail outlets and through online stores, Japanese consumer electronics giant Sony Corp. has this week revealed its plan to join with Universal Pictures in creating a range of ?entertainment ... My Debut Year--An Essay (sort of) And it's a challenge to sleep in a different hotel bed each night and an even bigger challenge to not to indulge in the small, dangerous comforts of vending machine d... Fag * Luck Charms * 2 Seven Eight Vend posted a photo: Sample 2 from Fag Lotte Five Drink Flavor Candy Lotte Five Drink Flavor Candy Lotte, one of Japan's favorite candy makers combines their flavors with that of popular Japanese soft drinks readily available at your nearest vending machine (in Japan) to make for a wonderfully refreshing hard candy for you to savor this summer. Inside you'll get indi... Read the full post from Recently updated products at JLIST.com No Future Gardens * Luck Charms * English Kills * 1 Seven Eight Vend posted a photo: Sample 1 from No Future Gardens Vending Secrets How to start a vending machine business? If this has ever been a question in your mind, we will help to make it happen. Yes, we will tell you how to start a vending machine business and be successful. There are lots of people in ... The Spiritual Combat - Chapter 53-58 Episode #58. Shiny little globe. The Feast of Corpus Christi, for you guys at least. Coveting liturgy. Mmmmmmm... iconostasis. God is the perfect good. Spiritual Communion. Recalling God's love for us. God can only create that which he wants. Untainted Love. God is not a vending machine. Our love, properly understood, is not for US, but for who we love, especially when we love God. Under the accidents of bread and wine, The Lord gives himself completely to us. The essence of sin is separation from God. Nothin' causes Him to do nothin' - so there. The 'Grampafication' of God. I promise Just get me out of this trap, and I promise... I'll never try to get the cheese again! The PRIMARY prayer we prays should be: THY WILL BE DONE. A harsh lesson in 'don't do that.' Jesus didn't heal everyone, but that doesn't mean He doesn't love everyone. Spiritual Communion. I'll pray... sometime, I'm sure I will. Really. So it's a cliche, but the attitude of gratitude is still the correct one. You can't have a divided heart. The offering of Christ to His Church and from the Church to Christ in the Eucharist. Transforming union. The end is near. Almost. Classic Vending Machines Film DVD: 1960s Film, Refreshing Look, Features Footage Of Classic & Vintage Vendo Antique Vending Machines For Cola, Soda, & Soft Drinks Classic 1960's vending machine sales film sponsored by Coke & The Vendo Co. Table Of Contents: (1) Young Man Uses Vending Machine (1950) - Funny scene from the start of an old social guidance film in which a young man uses an old 50's vending machine - 11 Seconds (2) The Refreshing Look (1960's) - Classic vending machine film sponsored by The Vendo Company and Coke, which encourages store owners to buy a Vendo machine filled with Coca Colas on the merits of the vending machines profitability - 16 MinutesDVD: Table Of Contents:, 1) Young Man Uses Vending Machine (1950) - 11 Seconds, (2) The Refreshing Look (1960's) - 16 Minutes Company: Quality Information Publishers Inc. (2006) List Price: $19.99 Amazon Price: $10.49 1.800.Vending Provides soda and snack vending machines to start a vending business, and compares various types of vending machines. Fastcorp F631 Ice Cream/ Frozen Food vending machine Ipod Vending Machine Time to Get Faded, Time for X-Rated. You got more snacks than a vending machine.... CD_CK.wmv Candy King of Augusta Altoid Vending Machine .WMV Huge Vending Machine Lego Custom Town Train Royal Crown Cola Vending Machine Vending Machine London , supplies , Vending Drinks Machine Bedfordshire, dvd rental vending machine , sodas from a vending Take the convenience of changing your coins at a grocery store.CoinStar and other businesses will take your change and give youa receipt that you can use for your grocery shopping, butthey'll also take a huge fee to do so. In effect, you aretrading the face value of your coins for something worth lessthan face value. More and more banks are also beginning to charge you to countcoins if they will accept them at all. With the current ratesthat banks are paying on savings accounts, you'll likely have toleave the money your received for your coins in the bank severalyears just to break even with what you initially had. What this all comes down to is that for many, keeping a coin jaris the same as losing money. Where it once was a great way toadd to your savings, it has become as wasteful as keeping abalance on your credit cards. We have come to a time where thecoin jar can actually cost you more money than you save. There are a few steps that you can take to make sure that youaren't actually losing money when you think you are saving it.First, you want to make sure never to have your coins changed ata grocery or similar store. By doing so, you will automaticallyhave around 10% of your money subtracted for fees. Before you take your coins to your bank, make sure they don'tcharge any fees for taking the money. The policy for banksvaries widely. Some will charge for loose coins, but won'tcharge if you roll the coins yourself. Find out what chargesexist and if any do, consider switching banks. Credit unions areusually better at not charging fees for taking coins than banks. If you can't find a bank that will take coins without chargingyou, then use the coins in your everyday use. You're much betteroff doing this that letting them sit in a jar where they willultimately lose money for you. You can amend the money jar gameto benefit your savings if this is the case. Instead of saving coins, move up to $1 bills for your money jar.In this scenario, you'll be doing exactly what you have beendoing, but you'll be saving $1 bills instead of change. Youdon't spend any $1 bills you receive, but any coins you receiveare fine to use. That means all purchases have to be made withcoins or large bills ($5, $10, or $20 dollar bills). At the endof the day, you place all your $1 bills into your savings jar.Since banks will not charge you anything to deposit $1 bills,you avoid the fees your would get for the change and save evenmore money than with coins. If you think that changing the game will keep you from saving,another way to change the coins is to take them to your localpost office and use them to buy stamps out of the vendingmachines there. By switching the coins for stamps, you get 100%value for your coins which is better than paying fees to havethe coins switched to bills. In the end it's important to remember that coins are legalcurrency and you can get full face value for them by spendingthem a little at a time. While a large amount of coins can betroublesome, there is no reason to pay a fee to have the coinsdeposited. About the author:Copyright (c) Jeffrey Strain. He is owner of Related Vending Drinks Machine Bedfordshire Articles
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