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Get your hosting plan and save $50

Dreamhost is one of the best hosting service providers. I use it for more than 6 years. Dreamhost is my first choice for hosting.

Here is the DreamHost Promo Code “G2SAVING“. You can save $50 if you enter this promo code on signup yearly.

Dreamhost hosting has following features:

  • Unlimited Storage
  • Unlimited Bandwidth
  • Unlimited Full Shell users
  • Unlimited Email accounts
  • Unlimited MySQL database
  • Debian Linux based

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Get RESP for your kids

RESP is Registered Education Savings Plans. It is best saving plan for your kids.
Parents buy RESP for their kids. They can put money every year until the kid is 17.
Canada government will give some grants.
Here is an example.
1) One kid born in 2011.
2) His parent opens the RESP account for him when 6 month old.
3) Deposit $2000 into this account.
4) Government will give following grants to him

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5 Proven Ways to Maximize Your Cash Flow

There are five proven ways to help you maximize cash flow.
1. Pay yourself firs.
Set a savings goal – 10% or 15% of your gross income, and have that amount automatically transferred into a savings account every two weeks or half month. It is very important that keep the money there. Don’t make it accessible by ATM.
2. Build up a cash cushion for unexpected expenses.
It is kind of emergency fund. So you don’t have to resort to expensive credit on it.
3 month gross income is a reasonable figure.
3. Simplify your finances by consolidating your accounts in one place.
If your bank knows you are a good customer, it will give you better rates on mortgages, loans and term deposits. Maybe will waive the bank charge or give you a free safer.

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Get the Coupon Code for your Next shopping

We shops almost every day. Most of them are local retail store. Some are department store. We lives in a material world. We need to spend the money we earned. And we have to spend money wisely.

Now it is 2012, more and more online shopping became part of our life. Online shopping give us a chance to save the gas and time. Cut the distance between store and us. We can even buy stuff from foreign online store. But, it is not enough. One of the most important things is SAVE money. Every time I do shopping online, I will looking for a coupon or coupon code.

Use coupon code at online store is almost same as use a printed coupon at a local store. But you do not have to collect the coupon from the news paper, coupon book, or magazine. You just need a click to go to to find the coupon you want. has almost all kinds of coupons at a wide range of stores. It has a category. Just browsing the popular category, such as, cell phone, beauty, pet, etc. you will always find the one you are interested. There are also seasonal section. Now it is Easter.

Use the coupon you get from at your next shopping, so that you will get the best savings you can.

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Tax-Free Saving Account of Canadian

Starting in 2009, a tax-free savings account (TFSA) is a new way for residents of Canada to set money aside tax free throughout their lifetimes.
Contributions to a TFSA are not deductible for income tax purposes and the income earned in the account (for example, investment income and capital gains) is tax-free, even when it is withdrawn. Interest on money borrowed in order to contribute to a TFSA is also not tax-deductible.
The above definition is copied from CRA site.
The person who is at least 18 and with valid SIN card and is a Canadian resident can have this kind of account.
For 2009, if you are eligible, you can contribute up to $5,000 to your TFSA. After 2009, the annual TFSA dollar limit will be indexed to the inflation rate.
It is one kind of Tax Free tools to save your money.
There is one issue of TFSA vs RRSP or other unregistered investment.
Capital Gain and /or Capital Loss

Tax Decuctions you may Overlook

These Deductions are only work on the Blogger, like you or me.
Don’t get caught leaving money on the table. Here’s a list of potential deductions that you might have overlooked. Consider:
1. Monthly Hosting Fees or Annual Hosting Plan.
2. Annual Domain Costs, say $8 each per year
3. Design/Logo Fees
4. Internet access fees – this clearly includes DSL, Cable or dial-up, but don’t forget charges that you might pay away from your home or office such as wi-fi charges in Internet cafes
5. Paid blogging platform charges (such as Typepad monthly charges or add ons through WordPress)
6. Cell phone usage
7. Long distance usage related to your blog – remember that the IRS will not allow you to deduct the cost of your primary land line but you may deduct long distance charges
8. Second phone line for business or fax
9. Design or word processing software – this includes Photoshop, Illustrator, Word and similar programs for business use
10. Computers
11. Keyboards, mice and other periphery
12. Web cameras
13. Digital cameras – and memory cards
14. Film processing for traditional cameras
15. Costs paid to use or reproduce images
16. Downloaded music or other audio
17. Blackberry, Treo, iPhone charges
18. Business cards
19. Headshots for web site or promotional materials
20. Letterhead – remember that printed materials not be professionally printed to be deductible!
21. Promotional stickers and items – Frisbees, magnets, etc.
22. Web advertising – text and banner ads including AdWords,
23. SEO services,
24. Paid site submissions
25. Prizes for giveaways and contests
26. Postage – it’s impossible to keep track of every single stamp that you use in your business, so buy a sheet or two and keep them in a folder just for business use
27. Post box fees – I recommend this if you’re working from home, it looks professional, it’s inexpensive and it keeps sales people from showing up on your doorstep late at night
28. Transportation – this includes mileage for car transportation, train and bus fare for public transit, cab fare, airline tickets, so keep a good transportation log is better way.
29. Dining while away on business
30. Hotel charges for overnight conventions and business travel
31. Entertainment for clients
32. Professional advice (from lawyers, accountants and tax preparers)
33. Tax software, like Quicken Tax
34. Accounting software
35. Copy paper, memo pads, photo paper
36. Office supplies – pens, folders and post-its can add up!
37. Books, magazines and subscriptions
38. Professional affiliation and membership dues
39. Professional informational sites (like imdbPro)
40. Paid research sites (like LEXIS/NEXIS)
41. Trademark fees and related costs
42. Conference fees – such as for BlogHer and BlogExpo
43. Promotional sponsorships – golf holes at tournaments, that sort of thing
44. Charitable donations – limited to the cost of the production, not the FMV of the final product (in other words, if you blog about quilts and you donate a quilt, your deduction is limited to the cost of the quilt materials, not the FMV of the quilt)
45. Backup tapes
46. Zip drives
It is not easy to track every each item above. I always recommend that you can make a clear list and prepare some record paper to log each one by your pencil.
(The list are based on the 46 Tax Deductions that Bloggers Often Overlook)

I ordered Dreamhost L1 Hosting

I heard a lot of time that the Dreamhost is so powerful and it has so many included features others doesn’t.
Yesterday night, I made a order with the saving coupon.
It cost me USD93.8 in the first two years. The average cost per year is USD46.9.
If I paid year by year, it will take me USD141.8 for first two years.
The calculation is shown as below:
One-Year Pre-payment: 9.95/month
So: 9.95X12=119.4/year
Use one coupon to save USD97.
Then 119.4-97 = 22.4 is the first year.
The price of following year will come back to the original price without coupon. 119.4/year.
Two-Year Pre-Payment: 7.95/month
So: 7.95X24 = 190.8/two year
Use one coupon to save USD97
Then 190.8 – 97 = 93.8 for two years.
Now you know, why I bought two year pre-payment plan on it.
In the two year term, I can save USD97 if I pay it year by year. I can save more when I pay it every two year. It save me $145
I’d like to share this promo code


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