Money Management Techniques

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Contents

10 Basic Principles of Financial Management

June 2, 2020 | Kathryn Bergeron Financial Planning

Organize Your Finances

Organizing your finances is the first step to creating wealth. Credit cards, bank accounts, personal loans, brokerage accounts, mortgages, car loans and retirement accounts should to be tracked. Budgeting software can provide complete solutions to track all such accounts, make on-time payments and more. Jeff Morris, a certified public accountant in Bethesda, Maryland, points out: “Once you enter your accounts and balances into budgeting software, you will be able to spend less time getting organized and more time making sense of your situation.”

Spend Less Than You Earn

Personal financial software provides powerful tools to help you track and budget your spending and take steps to achieve your long-term goals. If you learn to track your finances and know where you spend the most, you’ll be able to control your money. “The best way to ensure that you either overcome debt or avoid it in the first place is to never spend more than you make,” Morris says.

Put Your Money to Work

Take advantage of the time value of money. Morris gives the following example: “A 21-year-old who invests $17.50 a day until retiring at the age of 65 at a 5 percent average annual investment return can be a millionaire. At age 30, the required daily savings amount almost doubles. At age 40 the amount quadruples.” So save early and often, even if the amount is small.

Limit Debt to Income-Producing Assets

With credit cards and car loans, every penny you spend to repay that debt is money flushed down the drain. All but a few models of cars depreciate to zero and require more in repairs and finance charges than can be reasonably expected to be returned to the owner upon being sold. Morris explains, “With their ultra-high interest rates, credit cards utilized to buy household goods and clothes that quickly wear out are bad bargains. If you have to be in debt, stick to financing items that retain their value over time, like real estate and education.”

Continuously Educate Yourself

Budgeting software often links to hoards of research that puts the collective knowledge of Wall Street at your fingertips. “Read every financial periodical, book and blog you can find from well-regarded financial authors,” Morris recommends. “Understand why you are investing so that you will stick to your plan. Periodically gather research so you do not miss excellent investment opportunities.”

Understand Risk

The key to understanding return on investments is that the more you risk, the better the return should be. This is called a risk-return trade-off. Investments like stock and bonds that have a higher rate of return often have a higher risk of losing the principal that you invested. Investments like certificates of deposit and money market accounts with a lower rate of return have a lower risk of losing principal. Since no one knows the future, you cannot be 100 percent sure any investment will do well. Morris explains, “If you diversify your investments, one can go sour without severe impact to your overall portfolio.”

Diversification Is Not Just for Investments

Find creative ways to diversify your income. Everyone has a talent or special skill. “Turn your talents into a money-making opportunity. Investigate ways to make money from home and launch a home-based business,” Morris says. The extra income can supplement your full-time income or even result in an exciting career change. Good financial management software can show you how even a slight improvement in income can positively change your financial profile.

Maximize Your Employment Benefits

Employment benefits like a 401(k) plan, flexible spending accounts and medical and dental insurance yield some of the highest rates of return that you have access to. “Make sure you are taking advantage of all the ways benefits can save you money by reducing taxes or out-of-pocket expenses,” says Morris.

Pay Attention to Taxes

Financial planning software helps you manage your tax information. For example, Quicken quickly analyzes taxable investments and provides powerful organizing tools that make year-end tax filings go much smoother. Morris emphasizes, “We all know that any money you make is going to be taxed. That is why it is important to consider the related tax implications for every investment.”

Plan for the Unexpected

Despite of your best efforts, you’ll face unforeseen emergencies. Morris urges, “Save enough money and stock up on insurance to be able to weather extended unemployment, accidents, catastrophic medical care, large car or house repairs and natural disasters.” Increasing the amount of money you save when times are good can help you manage the cost impact of hedging against bumps in the road, making sure unexpected financial exposure does not derail your long-term goals and your family’s financial security.

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5 Ways to Master Money Management

Key Takeaways

  • Setting up automatic recurring payments makes it easier to manage and track your cash flow.
  • You can deposit checks anywhere at your convenience via your mobile device or computer and scanner.
  • Lockbox services from your bank can give you quicker access to your funds.

Every hour you spend taking care of financial chores — paying bills, collecting payments — is time that could be dedicated to building your business. If you’re still writing checks and running deposits over to the bank, you can win an easy productivity boost by adopting some new banking practices.

Consider these five money management tips to save you time each day.

1. Automate payments

Electronic bill pay services make it easier to schedule, manage, and track your business’ cash flow. Rather than writing a check for rent and utilities each month, you can set up automatic recurring payments. You can also receive notifications when bills and payments are due.

2. Deposit on your schedule

Deposit your checks when it’s most convenient via your mobile device or a computer and scanner. Remote deposits often allow for later cutoff times than branch or ATM deposits, and depending on your bank, you may see funds in your account as soon as the next business day. With Mobile Deposit 1 , you use your smartphone to take pictures of checks and submit the images via your bank’s mobile app. This can be particularly useful if you receive check payments on the road and makes it easy to deposit checks quickly.

Be mindful of daily and 30-day limits for remote and mobile deposits as they vary between financial institutions. Daily limits are typically $1,000, while monthly limits can range depending on the length of your relationship with the financial institution.

3. Use a lockbox service

A lockbox service provided by your bank can save you from handling checks altogether, while also speeding up deposits to your account. Lockboxes work by letting your customers mail check payments to a special post-office box. Your bank then opens and processes your payments. Banks typically receive checks at multiple locations around the country so you can ask customers to send their payments to the nearest one, reducing the amount of time that the check is in the mail. You can view payment images and transaction records online, which may save time on bookkeeping.

4. Outsource payroll

Calculating payroll and depositing payroll taxes is complicated and costly. The IRS recently issued nearly $4.3 billion in employment tax penalties, many of them due to inaccuracies or failure to pay. Payroll taxes are also time-intensive: More than one in four business owners spend at least six hours a month on payroll taxes, according to the National Small Business Association. Outsourcing these tasks to a payroll services provider saves you time and can help manage risk. Some payroll services also facilitate health and retirement benefits.

5. Sweep your funds

Services that automatically shift funds from one account to another — called sweep services — can help you optimize your use of cash and help ensure you’re able to cover operating expenses. For example, you might set a target balance for an account and if your balance falls below that number, funds are moved from a savings account or line of credit to cover the difference. Or, you might arrange for funds above the target amount to be automatically shifted to an interest-bearing account, such as a money market account.

The bottom line

Managing finances is part of running a business, but practices like these can help streamline routine tasks and allow you to spend your time and energy on more strategic work.

More information

We are committed to helping your business reach its potential. Our dedicated business banking professionals can help you find the right product to meet your business’ needs. To learn more about small business loans, please call 1-800-428-7463, visit us online, or visit your nearest Citizens Bank branch.

5 Ways to Improve Your Money Management

While it ranks below feeling connected to family and friends, having your finances in order through good money management ranks right up there with excellent health as an accomplishment that makes for a higher quality of life well into your Golden Years. Unlike excellent health, however, with its uncontrollable genetic component, good money management is, for the most part, available to everyone.

Whether you’re a natural whiz at managing the ins and outs of your money, or you’ve worked for years to make it look natural, here are five tips that will guide you to improve your money management skills.

5 Ways to Improve Your Money Management

1. Set Specific Goals

Setting goals is something all good money managers do, but how specific do you get? If your goals are as broad as, “Manage money better,” how will you know — until you experience the unexpected effects of managing money poorly — whether or not you’re succeeding? You have to get specific. It isn’t enough to set a goal of saving more money; declare how much you’re going to save each month and then set about doing it.

Likewise, it isn’t enough to say you’re going to pay down debt. Set a specific goal of reducing your debt by a certain percentage by the end of the year, and then, craft a plan that will help you follow through. Only by getting as specific as you can about every financial goal you have will you be able to take the steps necessary to reach them.

2. Always Track All Your Spending

The rise of the debit card has allowed for far too much wiggle room in many people’s spending — even the spending of self-professed excellent money managers. Whether it’s a $2 coffee or a $.50 newspaper, tracking all your spending all the time is the only way to truly know where your money is going.

Not only does keeping track keep you attentive and aware of the places in which you may need to tighten your belt, but it will also keep you safe against unauthorized charges or a rare mistake committed by your bank. Don’t trust the system, and don’t trust your memory. Write it down as you spend it, and you’ll always know exactly why you did — or didn’t — meet your financial goals.

3. Save and Invest

Many good money managers are good at saving money, but if you aren’t yet investing, your money isn’t working as hard for you as it could be. Investing can seem tricky. Especially if you didn’t grow up in an investment-savvy family or major in finance or banking in college, figuring out how to invest might seem daunting. If that’s the case, seek out help.

Find a financial adviser you either know well or one who comes highly recommended by someone you trust. Get some investment counseling, and start putting your eggs into multiple, interest-earning baskets. Savings is great, but alone, it isn’t likely to give you the freedom and flexibility you probably desire.

4. Automate Saving Money

Spend more than you make seems to be the American way, and while good money managers steer clear of this trap, they still might not save as much as they could. Automating savings withdrawals from your checking account will make it impossible for you to fail at saving.

Especially if you follow your budget well, you won’t even notice that pile of money over there that’s slowly getting larger. Automation can be utilized to make sure you always pay bills on time, too.

5. Think Longer Term

Many good money managers look down the road at the next five years and at retirement, but it can pay to look even further. What will your financial situation look like in 10 years? In 15? What would you like it to look like? What if you plan to live for 20 years after you retire, but you actually live for 30 or more?

By thinking in longer terms, you can see more easily where the gaps in your financial planning might exist. Then, you can address those gaps meaningfully. Longer-term thinking isn’t about knowing the future; it’s about exercising your imagination across a greater swath of what life might be like for you down the road, so you can have the money you need when you need it.

So, don’t settle for just being good enough. When it comes to money management, everybody’s got something they can improve in. From automating your savings to thinking more creatively about the longer-term, follow these five tips to better money management.

About Hank Coleman

Hank Coleman is the founder of Money Q&A, an Iraq combat veteran, a Dr. Pepper addict, and a self-proclaimed investing junkie. He has written extensively for many nationally known financial websites and publications about investing, retirement planning, and even how to find the best return on investment. Hank holds a Master’s Degree in Finance and a graduate certificate in personal financial planning. Email him directly at Hank[at]MoneyQandA.com.

Hank has written over 700 articles on Money Q&A. Learn more about Money Q&A on Twitter @MoneyQandA and @HankColeman.

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How to Manage Your Money | 18 Legit Personal Finance Tips

Money management and personal finance can be touchy subjects. Many people experience a lot of anxiety when they think about their financial lives, both as they are today and how they may look in the future.

Maybe you didn’t start saving for retirement as early as you’d hoped or perhaps you didn’t get an emergency fund in place and ended up in debt. Whatever your circumstances, deciding to take control of your situation now is always the best choice.

You simply have to follow a few key steps and you’ll be well on your way.

How to Manage Your Money

There are three important money management levers, all of which you can control:

  • Making Money
  • Saving Money
  • Investing Money

While each of these is important, when you manage all of them well, you’re going to be making the most of your money and your time.

See, the sum is much greater than the parts. It’s like a formula, where the more things that you do right the more money you’ll be making and the faster you’ll reach financial freedom.

It’s also important to track everything using a simple free app like Personal Capital.

When you manage your money well, it’s like making money in your sleep.

Now let’s dive into how to manage your money well.

18 Money Management Tips to Improve Your Finances

Managing money and learning how to manage money is easier than you think. If you aren’t sure where to begin, here are some of the most amazing money management tips to help you win on the personal finance front.

1. Make the Most of Your Full-Time Job

Even if you don’t like your full time job or dream of launching your own company, today it is the most immediate place where you can probably make more money.

The simple fact is most people are underpaid but they accept the amount of money they’re getting paid because they’re either afraid of getting fired if they ask or they don’t know how to get a raise.

You have the power. Don’t be afraid of your boss.

For many years employers had the upper hand and have been taking advantage of their employees, but this power dynamic has shifted and in many company’s and industries, employees now have the leverage.

There are too many open jobs in the economy right now to get filled and talent is in high demand. Don’t settle for the status quo.

Most people spend more time planning for their vacations each year than they do optimizing their careers. If you’re not making the most of it your full time job and making as much money as you can from it, you’re selling yourself short.

Figure out how much you should be getting paid by analyzing your current market rate for someone with your skills and experience by using websites like Indeed and Glassdoor.

You should also contact and build relationships with at least two recruiters in your industry.

Because recruiters live so close to the market they not only know what you should be getting paid, but they can also recommend additional skills you can develop (check out my post on best skills to learn), and potentially even recommend a new higher paying job or company.

2. Start A Side Hustle

Diversifying your income can be just as important as diversifying your investment portfolio. By starting a side hustle, you can bring cash in and give yourself additional financial security.

A side hustle is anything you do to make money outside of your full time job.

While you can side hustle doing anything, you’re more likely to have success if you start a side hustle you enjoy doing and one where you set your own fee and hours.

While it’s not bad to drive for Lyft or Uber, there are real limitations with these types of side hustles because you are limited by the hours you can drive in a day and how much you get paid is set by the company, not you.

Any side hustle where you manage your own time and decide what you can charge has the potential to make you more money.

Some of the best side hustles:

  • Blogging: Read my guide on how to start a blog with Bluehost and get my FREE 7 day blogging side hustle email course — where I share the step by step blueprint thousands of people have used to start a blog that makes money)
  • Online Surveys: While you can’t necessarily earn a living by doing online surveys, you can earn some quick cash by sharing your opinion. If you want to make a little extra money, checkout the best survey sites.
  • Becoming a virtual assistant: Sound interesting? Find out how to become a virtual assistant.
  • Start a YouTube channel: If you think you’re worth watching, here’s how much youtubers make.

For more side hustle ideas, check out our series on side hustle success stories.

To learn more about side hustling check out Chapter 10, More Money in Less Time: How to Launch A Profitable Side Hustle in my book Financial Freedom: A Proven Path to All The Money You Will Ever Need.

In the chapter I lay out a very detailed step by step strategy to picking, launching, and growing a side hustle.

3. Start Budgeting

There are two types of people: those who like budgeting and those who don’t. I’m in the latter camp. I’m definitely not a fan of budgeting.

I find that budgeting often reinforces a scarcity mindset where you spend so much time cutting back on the small purchases that often bring you the most joy.

You track every penny going in and going out and it just takes so much time. But if you’re the type of person who thinks they might be into budgeting, then you should learn how to budget.

Instead of budgeting I simply focus on optimizing my three biggest expenses, housing, transportation, and food.

The average American family spends almost 72% of their incomes on those three expense categories.

While small purchases like daily lattes, glasses of wine, or your Netflix subscription can add up, you’re going to be able to save the most amount of money where you spend the most money.

Through house hacking (a form of real estate investing), you can easily save 30% percent or more of your income. Your rent or mortgage is likely your biggest expense each month so reducing it as much as possible and investing the savings will add up quickly.

In addition to your housing expense, it almost always makes the most economic sense to buy a used car instead of a new one and investing the savings.

It’s also worth taking the time to reduce your food expenses and work hard to save money eating out.

There you have it: save on your homeownership, car ownership, and food. It’s the only budget you’ll ever need. Then instead of budgeting, you can spend your time going out and making more money.

4. Get Out of Debt

Whether its student loans, credit card, or mortgage debt, being in debt often keeps us up at night and is incredibly stressful.

But don’t worry a lot of people get out of debt every day and you can too. Also, all debt is not created equal.

To learn more check out my post on good debt vs bad debt, but the basics are pretty simple.

Managing debt is just a numbers game. Always pay down your debt with the highest interest rate first.

In almost all cases, credit card debt carries the highest interest rates, followed by private loans, student loans, and mortgages.

While there are many strategies for paying down your debt, like paying off your smallest balance first and then moving onto your next biggest debt (aka debt snowball) or paying down your biggest debt first (debt avalanche), these aren’t great debt repayment strategies because they don’t focus on saving you the most money.

Pay off Credit Card Debt

You save the most money by paying down your highest interest rate debt first, no matter what type of debt that it is.

Credit card debt is bad debt because the interest rates are typically so high, often 20%+ or more. Credit cards make financial institutions a lot of money because most people don’t pay off their debt each month, so the debt grows.

Take the Sting Out of Student Loans

Student loan debt is somewhere between good debt and bad debt depending on 1) the interest rate 2) if you’ve used student loans to fund a degree that helped you get a job or a more lucrative career.

If you haven’t yet taken out student loans, it’s worth thinking really hard about whether or not they’re worth it. If you’ve already taken out student loans and the interest rate if above 5% then you should consider student loan refinancing and other ways for you to reduce student loan debt.

There are many types of student loans, so it’s also important to figure out what types of student loans you have before refinancing.

Over the life of an average student loan, borrowers can save up to $20,000 if they choose to refinance. By refinancing your student loans, you can secure lower rates and consolidate your debt, making your payments more affordable and convenient at the same time.

Pay off Your Mortgage Debt

Mortgage loans are another popular form of debt. It’s very common when buying a home or investing in real estate to take out a mortgage from a bank or lender to help pay for the home.

Mortgage rates vary widely so it’s worth taking the time to shop for a good mortgage rate if you haven’t bought a home yet.

If you already have a mortgage, you might be wondering whether it makes sense to pay off your mortgage rate as quickly as possible.

In most cases, it probably makes sense to keep your mortgage and invest any additional money you have into the stock market, especially if your mortgage rate is low.

For five years I had a 2.3% mortgage rate even though I could have paid off my mortgage entirely, it was a better financial decision to keep using the banks’ money and investing my money in the stock market instead.

I ended up making over $100,000 on my investments because they grew over 10% each year (10% is a lot better than 2.3%).

Pay Off High-Interest Debt with a Personal Loan

If you’re plagued by high-interest credit card debt, paying it off with a personal loan can be a smart move. Not only will you get a fixed interest rate, but the finite nature of the loan also makes your payments predictable. Plus, you’ll know exactly how long it will take to wipe out your debt, and may even see a credit score boost after paying off your card.

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5. Build Passive Income

When it comes to making money, building a passive income lifestyle business is the holy grail. But there are a lot of myths about passive income ideas and a lot of shady products being sold online that promise to help you build passive income sources.

Is it actually possible to build passive income streams? Absolutely.

But does this mean that you can make money doing nothing? We’ll not exactly Most passive income businesses actually take quite a bit of time to set up, but if you find the right one, then the time investment is totally worth it.

Best Ways to Build a Passive Income

Other ways to build a passive income business include: starting any side hustle or business where instead of trading your own time for money, you broker other people’s time.

I call this becoming the “uber of your life,” because Uber doesn’t own or drive cars, they simply connect people who need a ride with people who will give you a ride.

They’re actually a connector between supply and demand. You can do this in any industry. For example, instead of walking dogs for a dog walking company where you’re going to be limited by both the hours you have in a day to walk dogs and your dog walking rates are set by a company like Wag.

Instead of walking dogs for someone else, start your own dog walking company and focus on getting clients, so you can hire other people to walk the dogs instead of always walking them yourself.

Then you can set your own rates and you’re not limited by the hours you have in a day because you can hire other people to walk the dogs.

6. Make Your Checking and Savings Accounts Work for You

As I’ve discussed before in a post on how to start investing, there is a direct relationship between the percentage of your income that you’re saving (your savings rate) and the number of years it takes you to retire early.

When you combine a high yield savings account and a high-interest checking account, you make sure that all of your money is always working for you instead of just sitting there.

If you are looking for great high-interest checking and savings accounts, check out Discover Bank at 1.60% APY. They offer free options that can help you make the most of your money. Discover Bank Review

If you need to build a cash nest egg, automating your savings makes it simple. Decide how much you want to add every month or paycheck and schedule a deposit to move the money every time, ensuring you won’t forget to pay yourself first.

7. Invest Early, Often, and As Much As You Can

While you can invest in literally anything, the three most dependable investment classes are:

The reason they’re the most dependable is that we have a lot of historical data about how they perform, and you’re able to control a number of the key variables to maximize your investment returns while minimizing your risk.

While I’m not going to get into too much detail here (if you want to dive deeper check out how to start investing and my investing strategy posts).

But the basics are simple and in fact, the best investment strategies are actually simple.

Invest in index funds, like VTSAX, which has low fees and incredible diversification. Instead of buying individual stocks, buy the entire stock market. Stick with what works.

Once you’ve settled on an investment strategy, the next step is to invest as much money as you can.

The more money you invest the faster and more your money can grow due to compounding.

Here’s a simple example of investing $100 if we keep it invested at 10 percent annual growth for forty years, without adding any more money to it. Just simply because of time the $100 has turned into $5,370 in forty years.

This chart originally appeared in the Financial Freedom book by Grant Sabatier.

If you haven’t started investing yet the most important step is to simply start today using one of the best investing apps, which allow you to invest your spare change automatically.

If you’ve already started investing then you should try to increase how much you’re investing every month by as much as you can.

One easy way is to increase your investment contribution amount 1% every 30 days by talking with your human resources department or 401(k) provider.

Trust me, you won’t notice the extra 1% and within a year you’ll be saving 12% more of your money.

If you prefer to think in terms of dollars instead of percentages, then try to invest an extra $50, $100, $1,000 or more each month over the next few months. Every dollar adds up.

Try Real Estate Crowdfunding

Until 2020, real estate investing was the domain of the wealthy. Now, thanks to the JOBS Act, anyone can get into the game with real estate crowdfunding.

If you’re looking for a portal and don’t have a lot to get started, consider trying Fundrise.

Fundrise provides access to eREITs and eFunds, a form of real estate portfolio with a level of diversification.

By using the money management tips above, you can gain control over your financial future. Try one (or several) of them today and see if you can’t get headed in the right direction.

8. Plan for Emergencies

If you own your home, house repairs like roof replacements can easily cost $10,000 or more, depending on where you live. Similarly, if an appliance like your refrigerator fails, getting another one usually can’t wait and can quickly set you back hundreds or more. This is why an emergency fund is crucial.

Even if you don’t own a home, that doesn’t mean there aren’t major costs on the horizon. Replacing your vehicle usually costs several thousand, if not tens of thousands. Home computers can be as expensive as a major appliance and are deemed necessities in many households.

If you have something big you can’t live without or face regular maintenance costs, make sure to plan for them. Break down the expense by how many months you usually have before it hits (you can look up average lifespans for most things online) and set the cash aside to make sure it’s there when you need it.

Prepare for Medical Emergencies

Even if you have insurance, a broken arm, head injury, heart attack, or similar medical emergency will still be expensive. Ideally, you need to maintain an emergency fund that can not only cover your portion of medical costs but also handle a few months of living expenses. That way, if you miss work, you can pay your bill and keep up with your bills until you heal.

If you do not have an in case of emergency binder yet, make one now!

9. Take Control of Your Credit

Your credit report and score play a massive role in your financial life. By monitoring your credit, including your score, you can make decisions that improve your situation, both today and in the future.

While there are tons of credit monitoring apps out there, Credit Sesame helps you keep an eye on your report and score for free. You’ll receive customized recommendations and access to helpful tools, empowering you to make better choices every day.

10. Optimize Your Taxes

The average American pays over 20% of their income to taxes, so finding ways to save money on your taxes can really add up over time.

While you might think taxes are boring, it’s definitely worth learning the basics of tax optimization because it can not only save you money, but it also gives you more money to invest.

You don’t have to become an expert on tax laws, but it’s worth taking the time to really understand your own taxes each year, even if you’re using a service like H&R Block, TaxAct, or using an accountant, getting to know your own tax situation at a detailed level is an important step in managing your money well.

Over time as you do your taxes each year it gets easier to spot where you can save money next year, what new deductions you can take, and more.

Also, if you’re a side hustler you should consider launching an LLC so you have more opportunities to deduct your side hustle expenses from your taxes.

A big benefit of launching any lifestyle type of business is that you can actually reduce your tax bill in many ways as your business gets more integrated with your life.

11. Get Cheaper Car Insurance

Many people don’t reevaluate their car insurance regularly, and they pay a penalty for not taking a look. For example, if you recently paid off a car, you might not need full coverage anymore, presenting an opportunity to save, even if you don’t change carriers.

However, doing a little comparison shopping is always wise. You can get quotes from competitors for absolutely nothing, and might discover an option that costs much less than what your current provider charges.

If you don’t put a lot of miles on your car each year, you very well could be overpaying simply because most traditional insurance isn’t ideal for incredibly low mileage drivers. For those who barely take their car out of park, Metromile, a pay-per-mile option, could help you save a ton.

12. Get Life Insurance

No matter what stage of life you are in, life insurance should be viewed as a must. Otherwise, you saddle your loved ones with your expenses if you pass away, or leave them unsupported if you are the primary breadwinner.

If you want to compare life insurance options, check out our instant quoter below.

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Web surfers signed into yahoo, add like to search results

Webs surfers signed into yahoo, can add ‘like’ to search results. Example, I search for new cars. If logged in, I can scan yahoo search results. I click on a new yahoo! icon for a ‘yahoo! shout’, same a ‘like’ feature (i.e., facebook), letting the system know, which of the results I liked.

someone is listing viagra on my web site mwe3.com can you ask them to take it down! It is a music reviews site and not a viagra website!!

someone is listing viagra on my web site mwe3.com can you ask them to take it down! It is a music reviews site and not a viagra website!!

What a stuffed search engine. How about results of the actual item we are looking for.

Results that are actually relevant to a search would make life more enjoyable. Not interested in all the totally unrelated **** you allow to appear as “results”.

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