Personal Finance

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  • How does a strong dollar affect you?

    Get Rich Slowly - Personal Finance That Makes Sense.
    William Cowie
    26 Nov 2014 | 3:00 am
    This article is by staff writer William Cowie. You have probably heard it before: At the end of yet another melancholy rant about how bad things are in America, someone inevitably adds “… and then the dollar is so weak, too.” Well, lament no longer because the dollar recently reached a seven-year high. How is the dollar measured? The U.S. dollar is used to measure so many things. The gold price is quoted around the world as so many U.S. dollars per fine ounce. Oil, too, is quoted as yea-many American dollars per barrel. Many other countries establish the value of their…
  • 14 Ways to Save Even More Money Shopping on Amazon

    My Dollar Plan
    Madison
    26 Nov 2014 | 7:43 am
    We’re gearing up for our third holiday season as Amazon sellers. Over the last few years, I’ve not only learned how to maximize revenue as a seller, but I’ve also learned lots of incredible ways for buyers to save money on purchases! In fact, I still do most of my holiday shopping on Amazon because you can get such great deals. It’s a deal seekers paradise when you combine the details about how Amazon works on the inside with normal deal finding strategies. Now if only I could find a way to get an Amazon Echo in time for Christmas! Here are tips and tricks to save…
  • 12 Ways to Save $50 a Month {Part 1}

    Everybody Loves Your Money
    Alexa
    18 Nov 2014 | 8:15 pm
    If you could find a way to save a recurring $50 each month in a total of twelve months you’d be able to cut your budget by $600 in one year! While it might feel overwhelming to find 12 different sources of income to save in one month doing these tasks one month at a time is a pretty reasonable plan. If you’re ready to drastically reduce your budget here are the first six ways to save $50 a month! # 1 – Switch Your Auto Insurance As an ex-insurance I can vouch for the fact that you should switch your auto insurance carrier every three years. If you don’t your premium is just going…
  • 12 Ways to Save $50 per Month {Part 2}

    Everybody Loves Your Money
    Alexa
    25 Nov 2014 | 8:15 pm
    If you could consistently save an extra $50 each month for a year that would end up in a total budget reduction of $600 per month, every month. That’s some pretty significant savings! Last week we started exploring twelve different ways to save $50 per month, listing the first six. Today we’re going to go over six more ways you can $50 per month. Hopefully you can find at least a couple different ideas that work for you. # 7 – Brown Bag It To me this idea is so obvious that I almost hesitated on sharing it. Then I got to thinking back about all my day jobs and the fact that the…
  • Top 5 Reasons Why Baby Boomers Are Screwed

    Yes, I Am Cheap
    Sandy Smith
    27 Oct 2014 | 10:54 am
    At 56 my mom is smack dab in the middle of the Baby Boomer generation.  For some reason, she still thinks that she’s pretty young and hip.  Her new obsession has become the weekly sales at Macy’s. I’ve tried hard to tell her that she’s getting old and needs to begin preparing for retirement, but, she somehow thinks that 50 is the new 40.  Instead my mom is busy updating her look from somewhere near 1984 into 2001. I know that at some point reality with hit her like a brick wall, because Baby Boomers, things aren’t going to be as simple as you thought it would be.  In…
 
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    Get Rich Slowly - Personal Finance That Makes Sense.

  • How does a strong dollar affect you?

    William Cowie
    26 Nov 2014 | 3:00 am
    This article is by staff writer William Cowie. You have probably heard it before: At the end of yet another melancholy rant about how bad things are in America, someone inevitably adds “… and then the dollar is so weak, too.” Well, lament no longer because the dollar recently reached a seven-year high. How is the dollar measured? The U.S. dollar is used to measure so many things. The gold price is quoted around the world as so many U.S. dollars per fine ounce. Oil, too, is quoted as yea-many American dollars per barrel. Many other countries establish the value of their…
  • What to buy on Black Friday

    Donna Freedman
    25 Nov 2014 | 12:01 am
    This is a guest post from former GRS staff writer Donna Freedman. Want to start a fight? Announce that you’ll be shopping on Thanksgiving Day. A whole bunch of folks will likely sigh and mourn the once-was-sacred Thanksgiving dinner with family. Why, they’ll ask, would anyone want to shop on this day? Why would anyone force retail clerks into manning their posts even though they’d rather be home melting marshmallows atop sweet-potato casseroles? One such pearl-clutcher, hearing that Macy’s would open at 8 p.m. on Thanksgiving, suggested to a Chicago-area newspaper…
  • Preparing financially for a job search

    Honey Smith
    24 Nov 2014 | 3:00 am
    This article is by staff writer Honey Smith. Looking for a new job is a multi-faceted process. Many of the aspects of career-building that I have been discussing recently are applicable even if you are just trying to keep a job you already have. But laying the groundwork for a successful job search is about more than just your reputation. A job search can take months — in some cases, up to a year or more — so it is very important to be prepared financially before you start to look. Here are three financial aspects to consider as you prepare. Job search finances tip #1: Beef up…
  • Ask the Readers: Where can you get a last-minute seasonal job?

    Linda Vergon
    21 Nov 2014 | 3:00 am
    This article is by editor Linda Vergon. When you think about getting extra money for the holidays, your first thought may be to get a job at your local mall. Retail is certainly one of the easier industries to break into to find a holiday job, and this year’s retail numbers are expected to be much better than in recent years. But your next thought may be that we are right on the cusp of the holiday season and those positions have probably been filled by now. After all, most retail companies start hiring for the holiday season in September and October. In fact, Challenger, Gray &…
  • Can a cash grocery budget save you money?

    Lisa Aberle
    20 Nov 2014 | 3:00 am
    This article is by staff writer Lisa Aberle. As I mentioned in my last article, I experimented with paying cash only for my October groceries. I had only one goal in mind: Spend less on groceries so I could save more money each month. Well, my little experiment opened a whole can of worms. The Experiment Basically, I always try to keep my grocery spending in check, but I usually don’t limit quantity or variety of food based on the budget. With that in mind, I think it is important how I picked my budget of $500. I didn’t look at my past spending. I didn’t do any research to…
 
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    Consumerism Commentary

  • Why Socrates and Plato Are the Only Financial Gurus You Need

    Luke Landes
    17 Nov 2014 | 10:42 am
    The self-help industry continues to produce hundreds of new books every year, explaining how people can live their lives, improve their identities, and build wealth towards financial independence. There’s nothing wrong with this approach, in particular. You never know when you’ll find an author, a blogger, or a friend who will put words in the right order, and the result is a connection that can change your life. I know this from experience. Over the last decade, readers have contacted me privately to thank them for the information and the stories I’ve provided here, whether…
  • Is Acorns the Next Best App for Investing?

    Luke Landes
    5 Nov 2014 | 12:06 pm
    I first heard about Acorns a few weeks ago. Acorns is a micro-investing mobile app designed to make it incredibly easy to invest small amounts in the stock market. As if designed perfectly for the Millennial generation, there’s no need to actually know anything about investing to get started; Acorn’s advisers simply designed a portfolio (based on “Modern Portfolio Theory”) that works for all investors using the app. The creators of Acorn have found a way to solve major problems with the financial industry’s typical path to investing, and the biggest is the…
  • The Best Cash Back Credit Cards, November 2014

    Luke Landes
    4 Nov 2014 | 12:25 pm
    Cash back credit cards can help consumers practice responsible spending while earning a little extra for their efforts when used properly. The days of earning 5% cash back for credit card purchases may be nothing but a memory, but the smart use of credit cards can still be profitable for diligent spenders. You may be able to find some credit cards offering a high level of cash back in certain spending categories, but these are often subject to maximums. Most of today’s better cash back credit cards offer 1% to 2% cash back on purchases. However, if you look hard enough, you’ll…
  • Naked With Cash: Laura and Leon, September 2014

    Luke Landes
    4 Nov 2014 | 7:15 am
    Naked With Cash is an ongoing series at Consumerism Commentary in which readers share their households’ finances with other readers. These participants benefit from the accountability that comes from tracking their finances publicly and the feedback of the four expert Certified Financial Planners (CFPs). For more information, read this introduction. This year, we have four participants who will share their financial reports, exposing the results of their financial choices. Each participant is paired with one of our Certified Financial Planners. The experts will provide insight and…
  • Naked With Cash: Brian, September 2014

    Luke Landes
    29 Oct 2014 | 11:34 am
    Naked With Cash is an ongoing series at Consumerism Commentary in which readers share their households’ finances with other readers. These participants benefit from the accountability that comes from tracking their finances publicly and the feedback of the four expert Certified Financial Planners (CFPs). For more information, read this introduction. This year, we have four participants who will share their financial reports, exposing the results of their financial choices. Each participant is paired with one of our Certified Financial Planners. The experts will provide insight and…
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    Forbes - Personal Finance

  • The Facts On Increasing The Minimum Wage

    Mike Patton
    26 Nov 2014 | 7:46 pm
    The minimum wage is one of those topics which tends to create a lot of attention. Those in favor argue that it will help the economy. Those opposed say it will hurt small businesses. Raise it? Keep it the same? What's the best decision? Find out in this article.
  • On Faith And Finance

    Vanessa McGrady
    26 Nov 2014 | 5:34 pm
    I did something really scary. My soul’s desire to go back to freelancing finally overpowered my need an infinite stream of paychecks, a cadre of charming coworkers, and all the Tazo tea I could drink in a day. I sat down with my manager, stammering as I told her, “I have some news …” and then quit, giving a month’s cushion to tie up and transition projects. I gave her a hug, went back to my cubicle and felt like throwing up.
  • October Slump: When Markets Drive Themselves

    Mitch Tuchman
    26 Nov 2014 | 11:13 am
    Investors love the idea of being able to predict the future. People who wouldn't be caught dead engaging a roadside psychic or fooling around with tarot cards nevertheless are convinced that some months are "good" for stocks and some months are "bad." We saw this happen once again in October of this year. Pundits far and wide wrote in the late summer and early fall that the market was due to correct, if not crash, in October. How would they know that? They wouldn't, but as it happens three of the biggest market collapses in history occurred in October: The Panic of 1907, the Great…
  • The Family (Business) That Stays Together...

    Anna Bahney
    26 Nov 2014 | 11:00 am
    Heading into the Thanksgiving holiday, some of us will be taking a few days leave from our employers – while some will be sitting down with them over turkey and stuffing.
  • 15 Ways To Avoid Holiday Debt

    Deborah Jian Lee
    26 Nov 2014 | 10:38 am
    How to enjoy a debt-free holiday season.
 
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    Yahoo News - Latest News & Headlines

  • Dramatic scenes from Ferguson-related protests around the U.S.

    26 Nov 2014 | 9:58 am
    Outrage over the decision in the Michael Brown case ignites a wave of demonstrations.
  • Video: Cop shot boy seconds after encountering him

    26 Nov 2014 | 4:34 pm
    CLEVELAND (AP) — The police officer who fatally shot a 12-year-old boy carrying a pellet gun fired within 1½ to 2 seconds of pulling up in his cruiser, police said Wednesday. During those few moments, he ordered the youngster three times to put up his hands, they said.
  • Snow makes Thanksgiving travel 'a little hairy'

    26 Nov 2014 | 4:00 pm
    MINEOLA, N.Y. (AP) — A sloppy mix of rain and snow rolled into the Northeast on Wednesday just as millions of Americans began the big Thanksgiving getaway, grounding hundreds of flights and turning highways hazardous along the congested Washington-to-Boston corridor.
  • Streets of Ferguson quiet after two nights of racial unrest

    26 Nov 2014 | 7:41 pm
    By Ellen Wulfhorst, Daniel Wallis and Edward McAllister FERGUSON, Mo. (Reuters) - The streets of Ferguson, Missouri, were mostly quiet on Wednesday after two nights of racially charged unrest following a U.S. grand jury decision to clear a white policeman over the killing of an unarmed black teenager. A couple of dozen protesters huddled in the falling snow outside police headquarters in the St. Louis suburb, in sharp contrast to the hundreds who took the streets on Monday in a night of arson, looting, sporadic gunfire and clashes with police that ended in more than 60 arrests. ...
  • East Coast storm hampers Thanksgiving travel

    26 Nov 2014 | 5:20 pm
    By Laila Kearney NEW YORK (Reuters) - A blast of rain and snow along the East Coast snarled traffic and disrupted flights for millions of Americans at the start of the long Thanksgiving weekend, traditionally the busiest time of the year for U.S. travel. The nor'easter that formed over the Gulf of Mexico brought rain to cities including New York and Boston. Higher elevations in New England will see about a foot of snow, National Weather Service meteorologist Andrew Orrison said on Wednesday. "Either way, travel is not going to be in a good state," Orrison said. ...
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    My Money Blog

  • Top 10 Most Commented Posts All-Time

    Jonathan Ping
    25 Nov 2014 | 5:45 pm
    In case you feel like some extra reading while digesting that turkey (or tofurkey), here are not necessarily the best posts on this blog, but the ones that generated the most discussion. Certain posts may contain some outdated information. Do You Make A Six Figure Salary? Share Your Story (413 comments) Lots of people sharing their situations and how they achieved $100,000 or more in annual income. Sure, it’s a bragfest but there are still some interesting information and trends to be found inside the comments. Straight Talk SIM Card + iPhone = $45 Unlimited Prepaid Plan (398 comments)…
  • No-Thanks-giving: The Things You Hate The Most

    Jonathan Ping
    24 Nov 2014 | 7:09 pm
    Before we get into being all thankful for family and friends and caffeine and stuff, let’s complain about all the stuff you hate dealing with. From a WSJ article on why we still hate the airline industry (shocker!), here is a list of what good and services Americans are least satisfied with. Based on the American Consumer Satisfaction Index survey. Let’s see what I think about the top 5: Internet Service Providers: Well, they do charge a lot for very mediocre speed and the reliability has been spotty recently. Not to mention they keep fighting Net Neutrality. I wish I had Google…
  • Dinner: The Playbook Book Review – Preplanning is Critical For Success

    Jonathan Ping
    23 Nov 2014 | 7:14 pm
    We hit consecutive 10 weeks of cooking at home x 5 times a week! (Now we’re going on vacation so the streak must end.) Some days are fun, some days you just want to get it on the table. Since I liked the first book by Jenny Rosenstrach so much, I also bought her second book Dinner: The Playbook – A 30-Day Plan for Mastering the Art of the Family Meal. While the first book was more autobiographical, this one is more focused on what you need to make home-cooked dinners happen. First, you need the right recipes: I can’t stress this enough: You will cook more regularly if you choose…
  • Cooking Dinner At Home: The Flowchart

    Jonathan Ping
    20 Nov 2014 | 9:05 pm
    I believe that most people would like to cook their own food at home, but sometimes the best intentions still end up with me eating Panda Express with those darn little splintery chopsticks! After many weeks of trying to cook meals at home, I’ve tried to identify my roadblocks and organized them into a geeky flowchart: The flowchart helped me identify ways to minimize failure points, like planning meals ahead of time, shopping for all ingredients ahead of time, and slowly building a repertoire of quick meals that I know I can pull off with minimal fuss. Right now I’m still riding…
  • Chart: Stocks and Bond Returns Tend To Move In Opposite Directions

    Jonathan Ping
    19 Nov 2014 | 9:06 pm
    Inside this AllianceBernstein post about the more complex concepts of levering bonds and risk parity strategies, there was a reminder about simple portfolio construction. For a very long time now, holding both stocks and bonds has been considered a “balanced” portfolio. Why is this? Because stocks and bond returns tend to move in opposite directions. This behavior can be summed up using the finance term Beta. The 5-year rolling average beta of the S&P 500 return to the 10-year US Treasury return has consistently ranged from negative 0.1 to negative 0.3 over the past decade.
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    The Simple Dollar The Simple Dollar

  • Everything You Need to Know About Workers’ Compensation

    Frank Addessi
    26 Nov 2014 | 12:00 pm
    It isn’t just construction workers who get hurt on the job. Every business with employees needs workers’ comp coverage. Virtually every business with any employees in the United States has to address the issue of workers’ compensation coverage. We’ll look at why you need it, how it works, and how to pay less for it. Most but not all states require that workers’ compensation coverage be provided in the form of an insurance policy purchased from a third-party insurer. There are a few exceptions, such as Pennsylvania, which offers employers the option of…
  • Seven Strategies I Use on Black Friday and Cyber Monday

    Trent Hamm
    26 Nov 2014 | 6:00 am
    I’ll be honest: since about 2009, I haven’t left the house on Black Friday. Instead, I usually sleep in after a long evening spent eating a big meal and having a few glasses of wine with family members. I do get up and check a few online sales, but I haven’t found anything in a brick-and-mortar store that makes it worthwhile to actually go out there and battle the crowds. That doesn’t mean I don’t utilize the bargains on Black Friday and Cyber Monday. I usually do end up buying an item or two each year based on those sales (though they have usually been online…
  • How to Save for Your Child’s College Education

    Kristen Kuchar
    26 Nov 2014 | 4:00 am
    Whether you hope to fund part or all of your child’s college education, here’s how to get started. Photo: Maxime McDuff When families talk about college, the subject of money is never far behind. Seeing so many graduates overloaded with student loan debt, with 19% of borrowers owing more than $50,000 upon graduation, can be pretty scary for parents and students alike. As parents, you think the best thing you can do for your children is to encourage them to go to college and get a good education — and, hopefully, that will help them land good jobs with higher earning…
  • How to Build Your Resume in College

    Kristen Kuchar
    25 Nov 2014 | 10:00 am
    Volunteering is one way to beef up your resume when you don’t have much experience yet. Photo: Texas A&M Building a resume is a tedious task, especially when you’re still in college. But a solid resume can help you score a great internship or land your dream job (and help you start paying back those student loans). Even though you might still be in school, with barely any experience to speak of, you can start building your resume today. Here’s how. How Can I Get Experience? Do an Internship An internship is the ideal way to build “real-world” experience in…
  • Figuring Out the Path Forward

    Trent Hamm
    25 Nov 2014 | 6:00 am
    Most of the questions I get from readers about their finances have some things in common. They’re at a crossroads of some kind. Whether it’s triggered by a major life change or not, they have a sense that their current direction in life isn’t perfect for where they think they want to be going. They have some idea of where they want to go in the future, but it’s often cloudy and unspecific. There is a vague vision of “retirement” or “getting out of debt,” but they don’t really have any specifics about what that will mean. The path between…
 
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    Wise Bread

  • Best Money Tips: Why You're Not Happy and How to Change It

    Amy Lu
    26 Nov 2014 | 2:11 pm
    Welcome to Wise Bread's Best Money Tips Roundup! Today we found some great articles on the reason why you're not happy, the hidden costs of cutting cable, roadblocks to avoid if you want to retire early, and more! Top 5 Articles The Reason You're Not Happy (and How to Change It) — If you tie...
  • Turn Your Home Into a Rental in 9 Easy Steps

    Mikey Rox
    26 Nov 2014 | 11:00 am
    As an early adopter of the micro-subletting culture — the founders of Airbnb invited me to join the service as it was just starting up back in 2008 — I fancy myself somewhat of an expert in successfully turning a home into a rental property. Six years in, I've not only made one home a...
  • Best Deals for Wednesday 11/26

    Amy Lu
    26 Nov 2014 | 10:49 am
    Link for teaser title:  http://www.wisebread.com/bestdeals/today Levi's Pre-Thanksgiving Sale: Extra 30% off sitewide, Toys "R" Us Cyber Clearance Blast: Up to 70% off, KitchenAid...
  • 15 Quick and Delicious Ways to Use Thanksgiving Leftovers

    Laurel Randolph
    26 Nov 2014 | 9:00 am
    After an enormous Thanksgiving feast, you may think you'll never be hungry again. But eventually, you will be. So here are 15 quick and easy ways to turn your holiday leftovers into another couple of delicious meals. 1. Sandwiches This Thanksgiving remake is popular for a reason — it's...
  • The Five Types of People Who Never Retire (Are You One of Them?)

    Marla Walters
    26 Nov 2014 | 8:30 am
    "I actually think the whole concept of retirement is a bit stupid, so yes, I do want to do something else. There is this strange thing that just because chronologically on a Friday night you have reached a certain age… with all that experience, how can it be that on a Monday morning,...
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    Bargaineering

  • Asking me to tip the maids at high-end hotels is a lousy plan to fight poverty among women

    Jen A. Miller
    17 Nov 2014 | 12:00 am
    Jen A. MillerWhen you stay at a Marriott hotel this fall you’ll be asked to pay for more than just your room. The giant hotel chain wants you to start tipping its maids. Tip envelopes have been placed in 160,000 of its 700,000 guest rooms at Marriott, JW Marriott, Courtyard, Renaissance, Fairfield, TownePlace Suites and Springhill Suites [...]Asking me to tip the maids at high-end hotels is a lousy plan to fight poverty among women from personal finance blog Bargaineering.com. This blog was posted by Jen A. Miller
  • My favorite no-fee credit cards provide lots of perks

    Vanessa Richardson
    10 Nov 2014 | 12:00 am
    Vanessa RichardsonA credit card that offers cash rewards, a low interest rate and no annual fee? What’s the catch? There might not be one – you may just have scored a good deal. The best credit cards are the cheapest credit cards and annual fees are often the biggest out-of-pocket expense for consumers who never, or [...]My favorite no-fee credit cards provide lots of perks from personal finance blog Bargaineering.com. This blog was posted by Vanessa Richardson
  • How to save money and avoid birthday party drama

    Dawn Papandrea
    3 Nov 2014 | 12:00 am
    Dawn PapandreaThe school year’s well underway and the weekly birthday party invitations are pouring in. If you’ve got a couple of kids in school, with 20 to 30 children in each of their classes, the birthday party circuit can get very expensive, very quickly. If you don’t want to add a line item into your budget [...]How to save money and avoid birthday party drama from personal finance blog Bargaineering.com. This blog was posted by Dawn Papandrea
  • How to buy furniture you like without spending too much money

    Jen A. Miller
    27 Oct 2014 | 12:00 am
    Jen A. MillerIn February 2013, I moved back into my house. Yes, moved back in. I bought the place in 2007 and turned it into a rental property when I moved in with my then-boyfriend. The relationship went bust at about the time my tenants were moving out, so I decided to go back home, and used [...]How to buy furniture you like without spending too much money from personal finance blog Bargaineering.com. This blog was posted by Jen A. Miller
  • Why I’m no longer afraid to deposit checks by mobile phone

    Jen A. Miller
    20 Oct 2014 | 12:00 am
    Jen A. MillerYour co-worker, your neighbor, the corner market owner. They all joined the modern world long ago. For awhile I was reluctant, but I too have gotten hip to the new age. Yes, I’ve started cashing checks through my smartphone I resisted the convenience for two big reasons. First, when the technology debuted, the time from [...]Why I’m no longer afraid to deposit checks by mobile phone from personal finance blog Bargaineering.com. This blog was posted by Jen A. Miller
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    fivecentnickel.com

  • How do you find happiness with money?

    William Cowie
    26 Nov 2014 | 12:00 am
    An acquaintance of ours returned from a missionary trip to Tanzania recently. As these cross-cultural encounters go, each side had plenty to share with the other about their lives. Toward the end the trip, she asked one of the locals what stood out from everything the Americans related. It was that there are people on this earth who actually spend money to walk. (He was referring to Americans either buying treadmills or paying gym memberships to walk on them.) They (everyday folk in Tanzania) have no choice but to walk miles every day, and they simply have a hard time imagining walking as a…
  • The sunny side of pessimism

    Richard Barrington
    24 Nov 2014 | 12:00 am
    From the Declaration of Independence to the space program, optimism was traditionally something of a core American value; however, it is one that has taken quite a beating in recent years. Not too long ago, an NBC-Wall Street Journal poll found that 76 percent of Americans lack confidence that their children will have a better life than they do. That is a stunning reversal from the onward-and-upward America in which baby boomers were reared. Then again, the optimism of the baby boom generation atrophied into a dangerous complacence which has been bad for the economy in general and for…
  • “Thinking Money” a rich change of pace from TV’s wasteland

    Jeffrey Steele
    19 Nov 2014 | 12:00 am
    Have you ever wondered why your next-door neighbor must have a new car in his driveway every model year? And not just a new car, but a new car with all the bells and whistles, like that 18-valve, turbo-charged, dyno-flex, hydroponic 4000 engine, 57-speaker audio system with Sistine Chapel acoustics and the buttery soft leathers imported from recently-discovered islands off the Madagascar coast? It turns out he is just giving in to the inclinations that characterize too many American big spenders, who gain their greatest joy from acts of overspending. That’s right, many humans are…
  • Retirement planning for women: Strategies for a secure retirement

    Suba Iyer
    17 Nov 2014 | 12:00 am
    More than two-thirds (68.1 percent) of the elderly poor are women. An October 2012 study by the American Association of University Women found that over the course of a 35-year career, an American woman with a college degree will make about $1.2 million less than a man with the same education. More than 70 percent of nursing home residents are women, whose average age at admission was 80. In 2006, the average annual cost of a private room in a nursing home was $75,000 and a shared room almost $67,000. It is a well known fact that women live longer than men. A 2010 survey by Transamerica…
  • Why lower gas prices are fleeting

    William Cowie
    12 Nov 2014 | 12:00 am
    If you didn’t hear it on the news, you probably noticed it the last time you filled up your car: gasoline prices have been dropping lately after holding fairly steady for a year or so, following world oil prices. After clicking your heels at the gas station when nobody was looking, you probably got in your car and started wondering: Is this for real? How long can it last? Is this just one of those blips you can clearly see on the chart, or are we seeing a fundamental shift toward lower energy prices? If lower energy prices sound like a dream, that’s because, in our lifetimes,…
 
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    Personal Finance Advice

  • What’s Open and Closed the Day after Thanksgiving (Black Friday)

    Jeffrey Strain
    26 Nov 2014 | 6:57 pm
    Everyone knows that the day after Thanksgiving is a huge consumer retail day with Black Friday sales going on at practically every retail store across the US. The Friday after Thanksgiving isn’t a federal holiday, but because it lands right … Continue reading →
  • What’s Open and Closed on Thanksgiving Day 2014

    Jeffrey Strain
    26 Nov 2014 | 2:09 pm
    Thanksgiving Day used to be a day where consumers could pretty much assume everything would be closed for the day, but that’s no longer the case. While the vast majority of institutions will shut their doors to let families celebrate … Continue reading →
  • What Time Do Stores Open on Thanksgiving Day?

    Jeffrey Strain
    26 Nov 2014 | 10:05 am
    Over the last few years, consumers have seen Black Friday creep into Thanksgiving Day when it comes to sales at retail outlets, and the beginning of the holiday shopping season. While there are still stores holding out and refusing to … Continue reading →
  • FDA Announces New Calorie Rules Including Movie Popcorn

    Julie Morse
    25 Nov 2014 | 11:56 pm
    Do most people know how many calories they consume? It’s estimated Americans consume 4500 calories on Thanksgiving day, but most people don’t know how many calories are in the food they eat at restaurants. That’s about to change. The US … Continue reading →
  • How Many Calories Do Americans Eat on Thanksgiving?

    Kendra Smith
    25 Nov 2014 | 9:20 pm
    Thanksgiving is a great time of year – friends, family and food…and calories. While we all tend to eat a little more during the holiday season, have you ever wondered exactly how many calories you may be eating as you … Continue reading →
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    Mighty Bargain Hunter

  • Want to make tons of money? Two keys

    John Wedding
    20 Nov 2014 | 2:33 am
    There are lots of people who claim to have the key to making money. And with this post, I’m going to bite the bullet and become one of those people who claims to have the key to making money. But, I’m not going to charge you anything for this key.  I’m not even going to ask you to sign up for my newsletter!  (Though, if you want to, please move your gaze to the right and enter your email address .) Recognize the other side of the transaction Over ten years ago (after spending twenty-three years in school) I began investigating ways to make money online.  I’m still…
  • Oh, you’re such a TEASE! Mastering teaser rates and more

    John Wedding
    29 Oct 2014 | 10:21 pm
    Do you like to be teased? If you’re seven, probably not.  If you’re twenty-seven and with your spouse or significant other … well, I’ll leave you two alone. Like everything else, it depends completely on the context.  And though businesses don’t tease the way a couple of love birds would, they do sweeten the pot a bit to encourage you to pull out your credit card. Simple Financial Lifestyle (follow him on Twitter) wrote recently about financial teasers.  Although the title says “NO!” the rest of the article says, “Weeelll, let me think about…
  • Credit card expiring soon? Eleven steps to stay in control

    John Wedding
    27 Oct 2014 | 7:34 pm
    My business credit card expires at the end of this month. I had had my brand-spanking-new one on my desk for over a month, and finally activated the card this month. Credit cards expire (and renew) for a number of good business reasons: Fraud protection.  Stolen or cracked numbers on an expired card are worthless. Re-evaluation of creditworthiness.  Just like car insurance companies only extend insurance for a set period of time, credit card issuers only extend credit for a set period of time.  An expiring card gives them the opportunity to adjust some (but not all) parameters on your…
  • Fourteen travel tips for infrequent fliers

    John Wedding
    18 Oct 2014 | 8:34 pm
    I don’t fly often.  In many ways, I’m very thankful for this. As an infrequent flier, though, I am vulnerable to being taken advantage of.  People who fly every month or even every week have parts of their travel routine down to a science.  I’ve traveled with fliers who not only have the basics down, but have the nuances of particular airports down so well that they just breeze through. This is like anything else:  The more you practice deliberately, the better you become. Rules change all the time I’m sure you’ve gotten a number of notices from various…
  • Amazon listens! (and what we can learn)

    John Wedding
    15 Oct 2014 | 10:02 am
    We do a lot of shopping through Amazon.  We love the convenience of our Amazon Prime membership, and even made the decision to get an Amazon rewards card. Amazon is a great place to save some money, easily. Amazon more or less singlehandedly gave rise to the term showrooming. We save even more on some of our staple foods with subscribe and save — automatic delivery of the same item at set intervals. We have a few more items that we’re looking to put on that list, which could increase the discount we get on the entire order. We talked, and Amazon listens There has been the…
 
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    7million7years

  • The One Sign You Will Be Rich?

    Adrian
    24 Nov 2014 | 11:20 pm
    Looking back on my last 14 or so years, I can tell you that this really is the one sign that you will be rich (according to a guy who runs a successful startup): Have you thought about what foreshadows who will become truly rich? It’s remarkable how clear the one sign really is when you think about it. “There are many types of rich — and I am talking about both external and internal rewards. Being rich is about having an abundance of what matters to you most.” Money and happiness, although complex, are linked says economist Justin Wolfers. Obviously, there are many ways to measure…
  • What are the most important lessons to learn about personal finance?

    Adrian
    27 May 2014 | 1:43 am
    Everybody has an opinion about the most important financial lessons that you can learn about personal finance. Just look at how many personal finance blogs there are [Hint: over 7,000 are listed] … and, here I am adding one more blog to that long list. What do these blogs suggest? What do they say are the most important lessons that their authors have learned along the way? Is it to avoid debt? Probably [here are 50 blogs just focussed on debt reduction]. Perhaps, you need an emergency fund? Of course [Googling “emergency fund” brings up 1,050,000 results]. How about…
  • I am 21 and clueless …

    Adrian
    20 May 2014 | 7:33 pm
    This is quite typical of the types of questions that I receive from time to time: I’m 21, and am clueless about finance. I want to start up a business at my mid 20s. Should I opt for endowment plans or unit trust? The first thing you’ll notice is that there are no further details, as though there’s a ‘pat’ answer for every clueless 21 year old. Still, let me suggest the following if you are 21 years old and also want to start a business ‘one day': 1. If you consider yourself clueless about personal finance, start by reading everything you can. Since you…
  • Advice for a new multimillionaire …

    Adrian
    4 Mar 2014 | 3:24 pm
    I realized that I’ve been talking a lot on this post how to become a multimillionaire, but I haven’t talked a lot about what to do when you get there! Let me rectify that right now: for my first example, take this young (and, new) multimillionaire: What advice can you give me, as a new 32-year-old multimillionaire, that you wish you had known at that age? Firstly, I told her, don’t overestimate your wealth … Spectrum (a Chicago-based consultancy that specializes in understanding the High Net Worth individual and family) surveyed a number of people whose net worth was…
  • Debt free or financially free?

    Adrian
    18 Feb 2014 | 5:13 pm
    A recently-graduated student asks: What would be a better investment than paying off $30K of subsidized low-interest student loans? Money available: 30k Interest on subsidized student loans: 3-4% Principle: 30k Do I pay them off, or look for a better investment, and keep the spread? What would be a better investment? If you’re also trying to decide whether you should pay off debt or start investing, here’s what you need to decide right now: Do you want to live debt free or do you want to live financially free? If you choose the former (debt free), you may make some GREAT…
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    Lazy Man and Money

  • To Get a New Television or Not on Black Friday

    Lazy Man
    25 Nov 2014 | 10:00 am
    Yesterday I gave some advice to those thinking about buying a television on Black Friday this year. The conclusion I came to was, that for most people, it makes more sense to wait for bigger 4K televisions (where the resolution will matter) and OLED. However, I left open the possibility for those with smaller or older televisions to upgrade if they happened to find a great deal. I felt a little like Suze Orman telling people what to spend their money on. That's a stink that I can't wash off with a dozen showers. Today, I want to put the "personal" in personal finance by explaining how I am…
  • Getting a Television on Black Friday? Read This First.

    Lazy Man
    24 Nov 2014 | 2:00 pm
    To get a television or not? That is the question. Just two months ago, I wrote about the next television revolution which combines two upcoming technologies OLED and 4K. OLED is a huge improvement for everyone with typical 1080P televisions (yes even those with plasmas). We'll get to it in a bit, but 4K isn't likely to make as big of a difference. So if you are looking to buy a television this season, you'll want to keep the following in mind: You probably shouldn't, unless you should, and it doesn't matter, unless it does and it doesn't matter, except for when it does. Confused? You should…
  • Deal: Top All-time Blu-Ray Movies for $3.99

    Lazy Man
    24 Nov 2014 | 4:33 am
    Every now and again I see a deal that I just can't pass up. I usually don't write about them, because I don't think they will interest most people. Today is different. If you like movies, which I feel is almost everyone, you'll probably enjoy this. Amazon has a bunch of Blu-Ray movies available for $3.99. I could never see paying $20 for the Blu-Ray version of a movie that I can for $3-4 on DVD, but for $4, I'm in. They aren't terrible movies either. Here's the three that I picked up: Fight Club (10th Anniversary Edition) Donnie Darko: The Director's Cut The Usual Suspects I'd like to say…
  • Should I Upgrade My Furnace and Water Heater?

    Lazy Man
    20 Nov 2014 | 4:15 am
    Sometimes, I ask a question and I have a good hunch of what the right answer is going to be. Today's article is not a such a case. As I write this article, I don't know where it will go. That's very different from most of my articles. In my last article, I wrote about how I got a recently energy assessment. One of the things I learned is that we have a 24-year old furnace. I had been told that the furnace was old before, but it was so clean (perhaps because it is a natural gas furnace), I thought that the company might have been trying to snow me on buying a new system that I didn't need. It…
  • Energy Assessments: Free Stuff and One Secret, Sneaky Tip

    Lazy Man
    18 Nov 2014 | 12:45 pm
    When was the last time someone showed up at your home to save you money... and gave you over a hundred dollars worth of free stuff? This happened to me recently... and I want to share the experience with you. A few weeks ago I wrote abour our journey to solar power I like to think that I covered it in excruciating detail at that link. As a condition of getting the state grants to subsidize our solar panels, our energy company has to review our home. At first it seems kind of strange, but when I thought it further it made more sense. The state shouldn't subsidize solar panels for me unless I…
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    No Credit Needed

  • What To Do After You Pay Off That Credit Card

    NCN
    18 Nov 2014 | 10:31 am
    You have selected and begun to execute your plan for getting out of debt – and you have just paid off that first credit card debt. You are awesome! Paying off that first account is an important milestone.  There’s a tremendous feeling of satisfaction which accompanies the completion of any worthy goal.  Take a while to enjoy the success – and then get pumped to move on to the next step in your plan. Before you move too fast, however, check one thing – the next monthly statement from your credit card company.  You may be in for a surprise. Even though you paid your…
  • Call For Discounts

    NCN
    24 Oct 2014 | 8:56 am
    This tip is an oldie but a goodie – and it works for me: From time to time, I call the companies with which I do business – and ask for discounts. I just (literally, one minute ago) got off the phone with our television provider – and was able to reduce our monthly bill by nearly 30%. All I did was call the company – and after trudging through their labyrinth of language-selection, account number-entry, and option-choice – I managed to speak to a customer service representative. I then had the CSR explain to me, line-by-line, the details of my bill.  (I had a…
  • Avoid These Budgeting Mistakes

    NCN
    30 Sep 2014 | 5:00 pm
    My family and I have been living on a budget for nearly 10 years.  Over that time, we’ve made our share of mistakes – and we’ve adopted some valuable habits.  When making your budget, consider the following – Do not wait until the last minute to make your budget.  Our budget begins on the first of each month, so we sit down and write ours out a week or more before then.  This gives us a chance to discuss the upcoming month – and it also gives us plenty of time to tweak the budget before the new month begins. Do not use an unmanageable number of budget…
  • How To Save Money On Repairs

    NCN
    29 Sep 2014 | 11:05 am
    Here are a few tips and tricks for saving money on repairs – Keep track of your manuals.  I have a binder wherein I keep the manuals for all of the tools and appliances that we buy.  Quick tip – If you’ve lost your manual, check online.  Search by manufacturer and model number. Check to see if the item is under warranty.  Remember those little warranty cards that come with the stuff you buy?  They’re important!  Keep up with them – and register stuff.  If something breaks, and it is still under warranty, you may have it repaired, or replaced, for free! See…
  • How We Are Paying Off Our Mortgage

    NCN
    28 Sep 2014 | 3:42 pm
    We have a 15-year fixed-rate home mortgage – and we are working hard to pay it off in less than 10 years. We purchased our home in February of 2010.  The original mortgage term of our our loan was 180 months, with the loan due to be paid off in March of 2025.  So far, we have whittled away 7 months from that date. Here’s what we do – Each month we make our monthly mortgage payment.  We do so via an auto-draft from our online banking account. Then, we make an extra, principal-only payment.  We write (type) the words “apply to principal” in the memo section of…
 
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    Blogger Terkutuk

  • crackapk.com Tempat Download APK Android Mudah

    Aldi Dwi Ferdian
    24 Nov 2014 | 7:50 pm
    crackapk.com Tempat Download Apps Android Mudah - apakah anda mempunyai Smartphone berbasis Android , ? pasti kalian suka mendownload berbagai file yang kalian butuhkan untuk Android kalian seperti Aplikasi APPS , Games , Laucher dll , tapi kalian suka bingung dimana tempat yang cocok untuk mendownload sebuah file tersebut ? kali ini saya akan Me Review website seseorang yang mudah di download dan tanpa iklan dan tanpa basa basi, yaitu www.crackapk.com cocok untuk kalian yang suka dengan Aplikasi Crack atau Berbayar menjadi Gratis. Kelebihan :Mudah di download hanya menekan tombol…
  • Fastssh.com Tempat Membuat Akun SSH Gratis

    Aldi Dwi Ferdian
    21 Nov 2014 | 11:19 pm
    Akun SSH Premium atau Secure Shell atau Internet Gratis adalah sebuah IP yang bertugas memalsukan IP kita agar terhindar dari hacker yang mendeksi IP kita jika IP Komputer kita bisa ketahuan dengan seseorang maka takut dengan orang orang yang tidak bertanggung jawab. lanjut ke Topik kita, Fastssh.com adalah salah satu Website Akun SSH Premium Secara Gratis , mungkin kebanyak orang sudah mengetahu website tersebut , karena website ini memberikan ssh secara cuma cuma tetapi ssh ini ada batasnya selama 3 hari , tetapi kalian juga bisa memperpanjang di website tersebut , apa sih kekurangan dan…
  • Download Game PES 2015 Singel Link Full Version

    Aldi Dwi Ferdian
    21 Nov 2014 | 10:41 pm
    Download Game PES 2015 Singel Link Full VersionPES 2015 mengangkat di lapangan realisme dengan tujuan menciptakan drama dan ketegangan terkait dengan pertandingan penting. PES 2015 menandai kembali bersama untuk nilai-nilai PES inti kontrol total, kontrol benar-benar responsif dan gameplay terbatas, di mana pengguna memiliki kontrol penuh atas bagaimana mereka bermain. Evert lulus, menembak atau run seimbang untuk memberikan kepuasan pemain maksimum dalam PES 2015 di lapangan aksi.SYSTEM REQWindows 7 SP1 / Vista SP2Inter Core 2 Duo @1.8 GZ (AMD Athlon II X2 240 or equivalent processor)1 GB…
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    Free From Broke

  • I’m Sick Of Hearing It’s For The Kids – Stop Spoiling Them

    Glen Craig
    21 Nov 2014 | 3:45 am
    Ever run across someone that gives their children everything? All the latest clothes, electronic gadgets, extracurricular activities, lavish weddings, education, you name it they have it. And then you find out the parents are struggling to keep their heads above water financially.  (Note: the parents aren’t always in financial jeopardy but I find it’s a common theme.) Not “we’re just getting by.”  No. I mean one month they don’t pay cable, another month they miss the electric bill; the rent gets paid late; always something and always “it’s for…
  • Think Long Term When Shopping Black Friday and Cyber Monday

    Glen Craig
    19 Nov 2014 | 3:28 am
    When you do your Black Friday and Cyber Monday shopping don’t just think of things for the upcoming holidays — think long-term! Many sales are at their best on these days.  Black Friday kicks off the big end-of-the-year holiday shopping frenzy and lots of people use it as an opportunity to stock up on gifts for the coming season. But you can also take advantage now and buy items for events and purposes throughout the year.  That’s right, you should think long-term when you plan out your Black Friday and Cyber Monday shopping. Many a time has passed where I thought…
  • 11 Ways to Prepare Your Home for Winter, Conserve Energy, and Save Money

    Melissa
    13 Nov 2014 | 11:18 am
    The changing of seasons is the perfect time to check your home’s energy efficiency, especially when much of the country will be facing cold temperatures in a few months (except for those lucky few living in warmer climates). As temperatures cool, now is the time to make some updates to your home to save energy and efficiency and avoid costly repairs. Here are 11 ways to prepare your home for winter and conserve energy: 1. Clean the gutters A few hours up on a ladder cleaning the gutters can save you later.  If you don’t clean the gutters of leaves and other debris before the snow…
  • A Giveaway From Nvestly You Need to Enter

    Glen Craig
    10 Nov 2014 | 3:25 am
    Who doesn’t love a good giveaway? I know I do!  Do an easy step or two and you can find yourself with some great prizes. Giveaways tend to be stuff like books or gift cards.  Sometimes it’s a great prize (like the Chromecast we gave away recently). How about a giveaway that gives you ownership in a company?  Interested, huh? Nvestly is doing just that! Nvestly Giveaway Nvestly is getting the word out on their social investing platform.  To help that along they are giving away $2,500 in Apple shares (roughly 25 shares of AAPL).  Yes, they are giving away ownership in Apple…
  • 10 Essential Tips For Shopping Black Friday And Cyber Monday That Will Save You Money

    Glen Craig
    3 Nov 2014 | 10:23 am
    Can you believe it’s November already?!? Know what that means?  Yeah, seeing family and overeating on Thanksgiving.  There’s that, sure. Know what else? Black Friday and Cyber Monday shopping deals! These two days have turned into crazy whirlwinds of shopping and sales (actually the whole week is full of deals).  Do your homework and you can score some great deals that you might not find the rest of the year, But if you aren’t careful these days can turn into a crazy hell that wastes your time and your money. Here Are 10 Tips You Need to Read Before Shopping Black Friday…
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    Blogging Away Debt

  • A New Budget – First Pass

    Hope
    26 Nov 2014 | 8:00 am
    I’ve put this off long enough, it’s time to come up with a new monthly budget for our new life and space.  Bear with me as I haven’t started receiving utility bills here yet so I’m not sure how they are going to run. I will tell you that we’ve had no A/C or heat running for the past month as it stays really warm in here with all the surrounding units running theirs constantly. Even now, the windows are open. So here’s my first pass at the new budget: CategoryEstimated Monthly Total Rent$1214 Water$125 Electric$150 Life Insurance$25 Auto/Renter's…
  • So Worth It – Kid’s Activities

    Hope
    26 Nov 2014 | 2:00 am
    I know that there were lots of opinions on my kids involvement in different activities and the amount of money I spent on them.  While much of their activities are bartered there are certainly costs associated with them, and the driving alone is a hefty chunk of my time not to mention gas….but I declare that as I/we get more selective, they do pay off.  I have talked alot about my youngest being a competitive gymnast and this past weekend his meet season kicked off.  I did good financially…in the past we have driven up, stayed a couple of nights, done some…
  • Chapter Closed

    Hope
    25 Nov 2014 | 11:00 am
    Well, almost…our house sold today. It’s officially over. As a result of the finishing touches I had to complete this week, it’s been extremely emotional for me, lots of crying. The new owners even moved in early, paying a per diem rate to take possession last Friday rather than waiting for today’s closing. My parents will come for a week long visit in one week, and my dad said that he will tell me at that time what, if anything I will receive from the sale. I’m not going to rehash this, I’m not holding out any hope, what I am going to do is do my best to…
  • Consolidation Station???

    Ashley
    25 Nov 2014 | 8:00 am
    The title of this post has nothing to do with anything, except it reminded me of the lyrics “conjunction junction, what’s your function” (from the School House Rock theme song). This is a quickie post, but something that may solve some of the high student loan APR issues that I’ve been talking about recently (see discussion here, see list of debts and APRs here). Any readers consolidate their student loans? Have good experiences? Bad experiences? What are your thoughts?? I’ve heard that you can only consolidate a single time, but that would be okay with me. My…
  • Gifts to Myself – A Mental Break

    Hope
    25 Nov 2014 | 2:00 am
    You are right.  I am overwhelmed, I am stressed out and I don’t trust my own judgment right now. So currently, my financial life is just trying to stay afloat, not make any big decisions and get a little ahead.  But I have this week decided to gift myself two things…. We will be going out for Thanksgiving.  Despite the hardships of the last few months, we have much to be thankful for and I do not take it for granted.  What I did take for granted was lots of counter space and a kitchen that more than one person could stand in.  So we are going out…I’m not…
 
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    Clever Dude Personal Finance & Money

  • How Knowing My Car Insurance Coverage Saved Me $250

    Brock
    26 Nov 2014 | 5:35 am
        Image courtesy of Naypong at FreeDigitalPhotos.net Well, Clever Friends, it’s been quite an expensive couple of days.   Last Saturday I shelled out $330 for two new tires on the family van so that we’d be as safe as possible as we left town Saturday night for a charity event. At 12:15am Sunday morning, while we were driving home from the event, I hit a deer that darted out in front of me while I was going 65mph. I slammed on the brakes which just about gave the deer enough time to get across the road unharmed. Unfortunately, I struck his back end with the passenger side…
  • Rotate Your Tires, Or Pay The Price

    Brock
    24 Nov 2014 | 2:34 am
      Image courtesy of Keerati at FreeDigitalPhotos.net The last two weeks have brought lower than normal temperatures, and a handful of light snowfalls. I noticed our van, which we purchased in January, was sliding quite a bit when I slowed at intersections, but just figured it was normal winter driving in the Midwest. But when I was unable to make it up a hill while driving home from a movie, I wondered to myself if maybe our tires should be checked. It suddenly occurred to me that I had completely spaced off having our tires rotated. I’ve been fairly good at remembering to have it done…
  • Clever Posts Of The Week – November 21st

    Brock
    21 Nov 2014 | 4:49 am
    I’ve got a busy, and potentially expensive weekend ahead of me.  Tonight we’re going to a friend’s 40th birthday party.  It’s in a nearby town, so I won’t be partaking in any adult beverages so we can come home and save on a hotel room.  But, we have to fill the tank, get a gift and eat dinner somewhere along the way.  Saturday evening my wife has a charity event to go to.  She already has the ticket and outfit purchased, but she’s got an appointment at the salon for hair and nails.  This event is also out of town, so more gas into the van.  I think…
  • Contemplating the Intricacies of Open Bar Etiquette

    Brock
    19 Nov 2014 | 3:29 am
    Image courtesy of iosphere at FreeDigitalPhotos.net While waiting for my wife to put the finishing touches on her makeup, I checked my wallet to make sure I had an ample supply of singles. We were headed to a wedding and I wanted to make sure I had one dollar bills to tip the bartender. As the minutes ticked by I occupied my time by contemplating the intricacies of wedding bartender tipping. Do I need to tip? The wedding was for a daughter of a coworker. He had told me about a discussion he had with the groom’s parents, and how he had emphatically stated that at his family’s weddings…
  • Save Money By Re-Purposing Your Outdoor Furniture For the Winter

    Brock
    17 Nov 2014 | 3:00 am
    One of my favorite summertime activities is sitting outside on the deck. Whether it’s having a cold one with some friends, or laying on our outdoor couch reading or book or even taking a little nap, I love being outside.   But as we enter the colder months of a Midwest winter, we are faced with the same question each year. Where are we going to store our outdoor deck furniture? While it is outdoor furniture, I don’t like leaving it exposed to the harsh winter elements.  So each fall, I play a fun game of deck furniture Tetris trying to fit the pieces together such that it takes up as…
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    Don't Mess With Taxes

  • Lame duck extenders deal turns into a tax turkey

    skbell1
    26 Nov 2014 | 3:55 am
    Just when it looked like things were going so well with the tax extenders negotiations, the Washington we all know (and some love) reared its political head. The more than 50 tax breaks that expired at the end of 2013 are likely to stay dead. Or at least that was the situation as of last night. What happened? The White House decided the proposal being hammered out by Senate Majority Leader Harry Reid (D-Nev.) and House Ways and Means Chairman Dave Camp (R-Mich.) was a turkey. The deal, according to the White House, was far too favorable to business interests at the expense of middle-class…
  • Are taxes why Kung Fu Panda left San Francisco for Boston?

    skbell1
    25 Nov 2014 | 11:33 am
    Major League Baseball fans on opposite sides of the United States are going to have very different Thanksgivings this year. In Boston, Red Sox Nation is very thankful for their team's signing this week of two of the sport's biggest free agents, third baseman Pablo "Kung Fu Panda" Sandoval and Hanley Ramirez, who plays (for now) shortstop. Click image for MLB.com story and video on Boston's blockbuster player acquisitions. San Francisco and Los Angeles baseball fans, meanwhile, will be crying in their turkey dinners. Exact contract details for the pair haven't…
  • Congress fighting over which business and individual tax extenders to make permanent

    skbell1
    24 Nov 2014 | 2:49 pm
    Apparently a lot of folks are not happy about proposals to extend the 55 or so tax breaks that expired at the end of 2013. Actually, that's good news. It at least means that people are talking taxes. The big issue is whether to do away with some of the extenders, the name given the technically temporary tax breaks that must renewed periodically by the House and Senate. Wait! Don't freak out. The tax provisions wouldn't be eliminated. They just wouldn't be extenders. Instead, they would become permanent parts of the tax code. Permanent tax trade-offs: That's what a lot…
  • Possible break in hunt for Lois Lerner's lost IRS emailsBut don't get too excited; there's no guarantee of a smoking gun email

    skbell1
    23 Nov 2014 | 1:44 pm
    Things have been pretty quiet of late in the Congressional crusade against the Internal Revenue Service, so you can't be blamed for thinking that the tax agency was off the hook for its ham-handed handling all around of 501(c)(4) applications. After all, a federal court judge on Oct. 23 threw out a pair of lawsuits filed by Tea Party groups, Linchpins of Liberty and True the Vote, against the IRS that had claimed the IRS targeted them for special scrutiny. Last week, however, another thorn -- or more accurately 30,000 thorns -- in the IRS side flared up. That's when the Democratic…
  • Tax crimes, in the U.S. and internationally

    skbell1
    23 Nov 2014 | 8:33 am
    It was global tax crime time last week at my other tax blog. In Russia, one of the contractors who helped get Sochi ready for the last Winter Olympics is facing tax evasion charges. Oleg Shishov, CEO of the building firm Mostovik, is accused of falsifying tax documents from 2009 to 2012 in order to avoid paying more than 515 million rubles, or $10.9 million U.S., in taxes. Shishov could face up to six years in a Russian prison if convicted. Closer to home, 18 South Florida college students were among 21 indivudals charged with participating in a $1.9 million identity theft tax refund fraud…
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    Money Smart Life

  • How to Improve Your Credit Score by Focusing on Payment History and Reducing Credit Card Debt

    Miranda
    10 Nov 2014 | 6:39 pm
    One of the things that many consumers are obsessed with today is a better credit score. After all, your credit score influences more than whether or not you qualify for a mortgage, or whether you get the best interest rate on an auto loan. Your credit score can also impact the insurance premium you pay, or what happens when you sign up for cell phone service. There are all sorts of “tricks” out there for improving your credit score, but really it just boils down to a couple of basics: Manage your payment history Pay down credit card debt If you make payments on time and pay down…
  • How to Avoid Double Closing When Buying a House and Selling Another

    Kevin Mercadante
    3 Nov 2014 | 7:42 pm
    If you’ve ever been involved in a real estate transaction before, you’re probably familiar with the term double closing. That’s an arrangement where you buy a new home on the very same day that you sell your old one. In a perfect world, you close on your old house in the morning, and then on the new house in the afternoon. Sometimes that arrangement actually works. Other times it’s enormously stressful. If you’ve ever been involved in the stressful kind of double closing, then you know why it’s something to be avoided at all costs. If you have two closings scheduled for one…
  • How it’s Never Too Late to Start Saving for Retirement

    Kevin Mercadante
    27 Oct 2014 | 1:10 pm
    People who haven’t saved money for retirement often avoid even starting out of fear that their efforts now will be too little and too late to make a difference. In truth, it’s never too late to start saving for retirement. Even if the money you save will be inadequate to provide a full retirement, it still has enormous potential to improve your life when your retirement years come. Here’s how: 1. Any Retirement Savings is Better than Nothing Think about the times in your life when you didn’t have enough money saved – when having just a few thousand dollars put away would have…
  • The Most Important Thing You Can Do To Get Out of Debt

    Miranda
    20 Oct 2014 | 8:01 pm
    One of the financial issues that seems to plague many consumers is debt. Getting out of debt can be a long, difficult road – especially if you have a lot of debt to get rid of. Before you try to pay off your debt, though, it’s important to understand that the single most important thing you can do is to stop debt spending. Are You Really Changing Your Money Habits? It’s a popular thing to power through your debt reduction. A dramatic debt reduction, by which you live like a pauper for a few months in order to get rid of your debt, can be an invigorating way to take care of your…
  • How to Use Peer-to-Peer Sites to Borrow Money from Friends and Family After a Layoff

    Kevin Mercadante
    13 Oct 2014 | 6:00 am
    Borrowing is never recommended after a layoff. But sometimes you have to do what you have to do. There are a lot of not-so-smart ways to borrow money, particularly when you are in desperate need of funds. Title loans certainly come to mind. But there’s a high risk of losing your car in the process, not the least of which because you don’t have a job to repay the loan. You can also turn to credit cards. After all, you can use the credit lines without having to qualify based on your income or credit, so the whole process is pretty much effortless. The ease of accessing money for credit…
 
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    MoneyNing

  • Should You Solely Rely on Rental Properties for Retirement Income?

    Alexa Mason
    26 Nov 2014 | 5:00 am
    Even though I’m contributing money to an IRA on a monthly basis, and even investing in some dividend stocks in my individual investing account, I’ve always felt like real estate could be a better investment option for retirement income. The idea started with a family member who’s doing just that: relying on a portfolio of rental properties, and one small business, for retirement income. This relative also has plenty of money in savings but hardly anything in the stock market. He’s quickly approaching retirement age without having to think about where his income will come from. He’s…
  • Is Buying a Home Affordable Right Now?

    Miranda Marquit
    25 Nov 2014 | 5:00 am
    I recently sold my home for $173,500 and this, combined with my move across the country, has me thinking a lot about home affordability. While I’m not anxious to buy again anytime soon, I was interested to see how my new local real estate market compares with the market I left behind a few months ago. First of all, I found there isn’t really anything in my new ZIP code that compares exactly to the home size, year built, and lot size I had previously owned. The closest I could find was a condo-type home (without the large yard we had) for $275,000. The stand-alone homes with…
  • 4 Mental Roadblocks That Prevent You From Paying Off Debt

    Allison Martin
    24 Nov 2014 | 5:00 am
    Debt is one of the easiest traps to fall into, and seems practically impossible to get out of. The formula to paying off debt is relatively simple; spend less than you earn, but it’s that easy to apply to your life. It’s difficult to create new habits and change your mindset about money. I’ve been there. I’ve had many days of non-stop anxiety and sleepless nights. But I made it through the tough financial times, and conquered my debt, so I know you can do the same. You just have to find out what’s really hindering your progress, and that’s usually a mental…
  • 4 Steps to Get Rid of Hoarding Habits and Save Money

    Ashley Eneriz
    22 Nov 2014 | 5:00 am
    When my in-laws moved to a different state, the real challenge came when we cleaned out their garage and started minimizing stuff for the move. “Where do you want me to start,” I asked my mother-in-law while looking at her very packed garage. She thought for a while and spent a good ten minutes telling what not to touch. I couldn’t touch those vintage items because she was going to get appraised. I couldn’t touch those boxes because my father-in-law needed to do through them. Opening up a cedar chest sent her into a huge sidetrack of memories as she looked at her grandmother’s…
  • 7 Things You Should Never Carry in Your Wallet

    Jessica Sommerfield
    21 Nov 2014 | 5:00 am
    The holiday shopping season is here again, and identity thieves are on the lookout for careless customers who either misplace vulnerable personal information, or leave it unattended in a cart. More than any time of year, this season is a prime time for stolen credit cards and swiped bank information. Why? Because your numbers and sensitive information is being used more than normal. While you shouldn’t obsess about circumstances you can’t control, (most of us have lost a card or an entire wallet at some point in our lives) there are ways you can avoid becoming a victim even if…
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    Money Blue Book

  • 4 affordable US cities with great dining

    13 Nov 2014 | 5:33 pm
    If you're anything like me, your love of good food and residential elbow room tends to find itself at odds with your need for reasonably priced goods and services. Fortunately for people like us, though, there exist U.S. cities where it's still possible to enjoy a lively and well-fed existence in a [...]
  • Yes, Obama's credit card was declined -- but yours needn't be

    30 Oct 2014 | 6:11 pm
    President Obama and I are like two peas in a pod. We both have quite a lot of grey hair. Er ... we both live in houses with street addresses that begin with a "1." And, um, we've both in the past had our credit cards wrongly declined. You see? POTUS and I are like brothers from different mothers. Pr [...]
  • 3 money moves to make before a career change

    17 Oct 2014 | 2:46 pm
    One of the measures of a healthy economy is workers' confidence in their ability to leave a job and find other employment. The U.S. Department of Labor's Bureau of Labor Statistics (BLS) tracks this number, also referred to as "voluntary separation" or the "quits rate." The higher the quits rate, th [...]
  • DIY finance repair: Pulling yourself back from the edge

    10 Oct 2014 | 4:15 pm
    Confession time: I'm an inveterate do-it-yourselfer. I've fixed vacuum cleaners, sink faucets, coffee tables, lawnmower engines -- you name it, I've tinkered with it. DIY efforts are usually successful if you follow the right advice, and the lessons you can learn from fixing your own stuff can stay [...]
  • Making your student debt worth its burden

    30 Sep 2014 | 5:09 pm
    If you write about personal finance for enough years, you end up on a lot of strange email lists. So I wasn't surprised when a message intended for debt collection agencies turned up in my inbox yesterday. But I did raise an eyebrow over its content. It was advertising a publication called "Student [...]
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    treesfullofmoney.com

  • Rental Property Case Study: Renting a Single Family Home

    Ben
    24 Nov 2014 | 5:00 am
    Are you considering the purchase of a single family home to rent out? Perhaps you already own a single family home and you’re wondering if it is better to rent it out or sell it. To help you decide if renting out single family homes is a smart financial move, I’ve prepared this rental property analysis case study specifically focused on single family rental properties. Download My Free Rental Property Investment Calculator! Before we get started, you’ll want to download a free copy of my Excel-based Rental Property Investment Calculator. This powerful tool will help you…
  • Small Business Profile: Winter Wreaths Inc., Franklin, ME

    Ben
    19 Nov 2014 | 5:44 am
    Every once in a while I like to profile a small business on my personal finance blog. Not only do these small business case studies provide inspiration for other prospective entrepreneurs, but the stories behind them are often very interesting as well. Winter Wreaths, Inc. Today I’d like to introduce you to Winter Wreaths, Inc., in Franklin, ME. Winter Wreaths Inc. is a small family run business that decorates and ships traditional and authentic Maine Christmas wreaths and Christmas centerpieces across the United States and beyond. Winter Wreaths, Inc. owner Lisa inspects a fresh…
  • Personal Finance is About More Than Just Saving Money

    Ben
    17 Nov 2014 | 5:30 am
    A lot of the articles on my personal finance blog deal exclusively with how to save money. Unfortunately, I often fail to look at the “personal” part of personal finance and focus more on the finance side (maybe MBA graduates shouldn’t be personal finance bloggers!). The truth is, there’s a lot more to personal finance than just saving money. If you want to achieve a healthy financial balance between spending and saving money, its helpful to understand this concept. For instance, take a look at my family’s decision to buy a boat this year. We could have saved…
  • The Best Way to Brew Coffee

    Ben
    14 Nov 2014 | 4:25 am
    From percolators, French presses and traditional drip coffee makers to espresso machines, Keurig K-Cups and Aeropress coffee presses, there are many different ways to brew a cup of coffee. I’ll review them all and determine once and for all, which method brews the best tasting cup of coffee (at least in my opinion)! When it comes to running a blog (personal finance or otherwise), the experts say you should stick with what you know. So in addition to my regular blog articles about paying down debt and investing, I thought it would be fun to spend a little time talking about the best way…
  • Does esurance (by Allstate) Actually Save Money Driving Hybrid Claims Cars

    Ben
    12 Nov 2014 | 5:30 am
    A recent advertisement by esurance (by Allstate) claims that one of the reasons they are able to save you money on car insurance is because they have a fleet of Ford Fusion hybrid claims cars. I certainly commend esurance for being socially responsible in their use of hybrid vehicles to reduce their carbon footprint. Indeed it is a great thing and I don’t disagree with their statement that they will save close to 69,000 gallons of gas by 2017 with their fleet of hybrid vehicles. However, I do take issue with their implication that hybrid vehicles actually result in a net savings that is…
 
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    The Dough Roller

  • DR 132: Robo Advisors–The Pros and Cons

    Rob Berger
    26 Nov 2014 | 4:40 pm
    The first so called Robo Advisor I recall is Betterment. Several years ago I met its founder, Jon Stein, and recently interviewed him for the podcast. Since then I’ve used or evaluated Motif Investing, Acorns, Wealth Front, Future Advisors, and JemStep. I’ve also used extensively the free Financial Dashboard offered by Personal Capital. It was with this background that I read the following emails from readers asking about two of these robo advisors, Betterment and Future Advisors: Ace: I am still thoroughly enjoying your podcasts. I have a new question. I am currently using…
  • DR 131: Retirement Plan Options for Small Businesses–An Interview with Fidelity’s Brian Hogan

    Rob Berger
    24 Nov 2014 | 7:19 am
    One of the biggest surprises for me as a blogger was the retirement plan options available to a small business owner. While a 401k maximum contribution is $17,500 (as of 2014) and an IRA is $5,500 (as of 2014), as a small business owner I can sock away more than $50,000 a year. It almost seems unfair. Recently I’ve received email from readers wanted to know more about their options. While I have experience with a SEP IRA, I’m by no means a retirement plan expert. So I invited Brian Hogan to be a guest on the Dough Roller Money Podcast. Brian Hogan is Fidelity’s Director of…
  • DR 130: The #1 Way to Save Money Is . . .

    Rob Berger
    22 Nov 2014 | 10:03 am
    The many ways to save money are limited only by our imagination. That’s why I asked the readers of the Dough Roller Newsletter their #1 money saving tip. In past weeks they have given some great replies to other questions: What is your favorite book about money? Where do you keep your emergency fund? What software or other tools do you use to budget? And they didn’t disappoint this week.  Listen to the podcast of their great tips, or read them below. Automate By far the most popular tip was to automate your savings: Rich:  The easiest way I have found to save money regularly is…
  • DR 129: 5 Simple Strategies to Stay Productive Working from Home (bet you never thought of #5)

    Rob Berger
    20 Nov 2014 | 5:29 am
    I‘ve struggled with productivity for years. Give me a deadline and I can work like a rented mule. Leave me to my own devices, however, and I’m as productive as carefree summer day at the beach. This really came to light for me when I started working from home. With no supervisors and few hard deadlines, I found a lack of productivity to be extremely frustrating. It not only affected my work, but also virtually every other part of my life. For example, I wasn’t getting the day-to-day stuff done timely. It was taking far too long to finish daily tasks.  Sometimes it would take me…
  • DR 128: What All Kids Should Know About Saving & Investing–An Interview with Author Rob Pivnick

    Rob Berger
    18 Nov 2014 | 10:28 am
    With a son and daughter now grown, I often wonder how well I prepared them to handle finances. While they are both now in their early 20’s, the truth is that their financial education is far from over. I continue to work with them on everything from budgeting to investing. And that’s why Rob Pivnick’s book, What All Kids Should Know About Saving and Investing, caught my attention. Don’t let the name fool you. This book could easily serve as the first book anybody, child or adult, reads about money. In fact, I’d say it’s more for teenagers than younger…
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    Moolanomy Personal Finance

  • 5 Preparation Tips to Buy and Sell a Home Simultaneously

    Contributor
    7 Nov 2014 | 4:56 pm
    Homeowners preparing to sell their properties and immediately buy new homes must carefully organize their plans to execute smooth transitions from owner, to seller, to purchaser. Prior to making offers on homes or listing current properties, […] Read Another Article: The Cost of Buying and Selling a Home What You Need to Know About Buying Bank-Owned Foreclosure Properties How to Sell Your House Fast – 9 Tips to Get The Most From Your… Selling vs. Renting: Should You Sell Your Home or Rent It Out? Capital Gains Tax Rules on the Sale of Your Home Read the rest of 5…
  • Best Banks with the Highest Interest Rate for Savings Account

    Pinyo
    10 Sep 2014 | 6:00 am
    Are you earning the most from your savings and money market deposit accounts? Deposit accounts are the pillars of a strong financial foundation, providing you with financial stability as you work to achieve your financial goals. […] Read Another Article: How to Choose the Best High Yield Savings Account The Difference Between Money Market and Online Savings Accounts Savings Basics: How to Get Started with Savings Accounts Alternatives to Savings Accounts: CDs and Money Market Accounts Comparing CDs, Peer-to-Peer Lending, and Reward Checking Accounts Read the rest of Best Banks with the…
  • 5% Cash Back Credit Cards, August 2014 Promotion Calendar

    Pinyo
    10 Aug 2014 | 6:00 am
    The following is the 2014 calendar of 5% cashback bonus promotions for some of the credit cards and debit cards that are currently offering a 5% promotion. These cards include Citi Dividend, Discover Card, Chase Freedom, […] Read Another Article: How to Get the Most From Your Rewards Cards Are You Selling Your Credit Score? Can a Prepaid Debit Card Help Your Credit Score? When to Use a Credit Card Instead of a Debit Card What is Your Credit Card Philosophy? Read the rest of 5% Cash Back Credit Cards, August 2014 Promotion Calendar at Moolanomy.com.
  • Top 10 Tax Deductions for Rental Property Owners

    Kevin Mercadante
    2 Feb 2014 | 5:00 am
    When you own rental property you are essentially running a small business. Here are 10 primary tax deductions for rental property owners that you can use to reduce your rental income for income tax purposes. 1. […] Read Another Article: How to Build Passive Income Stream With Rental Property Selling vs. Renting: Should You Sell Your Home or Rent It Out? Do I Get a Tax Deduction on Home Sale Loss? When to Hire a Property Management Company How to Invest in Real Estate Read the rest of Top 10 Tax Deductions for Rental Property Owners at Moolanomy.com.
  • Quarterly Estimated Tax Payments Due Dates for 2013-2014

    Pinyo
    2 Jan 2014 | 6:30 pm
    For all the freelancers, small business owners and self-employed individuals out there, staying on top of when the estimated tax payments are due is important to help you stay within the IRS tax payment guideline and […] Read Another Article: Do You Need to Pay Quarterly Estimated Taxes? Self-Employment Tax and IRS Estimated Tax Payment Late Payment Penalty for Quarterly Estimated Taxes Important Tax and Filing Dates for Individuals and Small Businesses Tips For Paying Self Employment Taxes Read the rest of Quarterly Estimated Tax Payments Due Dates for 2013-2014 at Moolanomy.com.
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    Hustler Money Blog

  • Holiday Restaurants and Merchants Gift Card Promotions: 2014 Edition

    Baller
    25 Nov 2014 | 6:33 am
    Many restaurants and popular retail stores have holiday gift card promotions for 2014. These deals basically reward you with a bonus gift card for FREE when you purchase a merchant gift card for a certain amount. If you’re looking for ways to save on dining out over the holidays or are planning to give a gift card this Christmas, this post is full of various restaurant promotional offers to help you with your goals! You can save plenty of money by taking advantage of these holiday promotions. American Express Gift Card: A bonus on holiday bonuses. Free shipping on American Express®…
  • Softcard App United MileagePlus 2,500 Bonus Miles

    Hu$tler
    25 Nov 2014 | 6:21 am
    Download the Softcard mobile payment app to earn 2,500 bonus United MileagePlus miles for connecting your United MileagePlus® Explorer Card(30,000 bonus miles after you spend $1,000 in the first 3 months). Then make sure you make your first transaction through the app to earn your 2,500 free miles. Pay with your Softcard app to earn an additional 500 United miles each month until February 28, 2015. To enroll in this offer, follow these steps: Add any eligible United MileagePlus card by Chase to Softcard—be sure to click on “Activate Card”. Once added and activated, click to see the…
  • United MileagePlus 5,000 Bonus Miles Transfer Promotion

    Hu$tler
    25 Nov 2014 | 5:47 am
    Get up to 5,000 Bonus United MileagePlus miles for transferring hotel points from hotel partner programs such as Hilton HHonors, Marriott Rewards, Starwood Preferred Guest good through December 5, 2014. Simply convert your hotel points into MileagePlus miles to receive 20% bonus miles for your first transfer today. They will credit your 5,000 bonus miles by January 31, 2015. Best Bonus Miles Cards US Airways Premier World MasterCard® offers 40,000 bonus miles after your first purchase + 0% Intro APR on balance transfers for the first 15 months after account opening. Enjoy first class airport…
  • Spirit 1,000 Bonus Miles Online Mall Promotion

    Hu$tler
    25 Nov 2014 | 5:30 am
    Spirit Airlines is offering 1,000 Free Spirit miles when you shop online through their SPIRIT Online Mall by December 31, 2014. Simply visit the FREE SPIRIT Online Mall to shop at your favorite online stores such as Groupon, Best Buy, Walmart, Macy’s, etc to earn  1,000 bonus free Spirit miles after your first qualifying purchase. They will deposit your 1,000 free miles within 50 days from the date of purchase. Here some more extra bonus miles to get to that 10K mark for your free one-way award ticket: 1,000 Spirit miles with a new Rewards Dining account and spending $30 (tax and tip…
  • Free Bonus Airline Miles, Points, and Rewards – November, 2014

    Hu$tler
    24 Nov 2014 | 9:07 pm
    Get the most out of your loyalty programs such as Starwood, Hilton HHonors, Priority Club, Southwest, Delta Skymiles, and many more . Find the most bonus points, miles and rewards program all in one place. With your bonus points and miles, you can redeem them in a dozen different ways ranging from airline tickets, vacation packages, cruises, car rentals, entertainment, shopping and charitable donations. Free Bonus Airline Miles, Points, and Rewards ProgramBonus Points/MilesRequirement(s)ExpirationReview Citi® / AAdvantage® Platinum Select® MasterCard®50,000Spend $3,000NoneReview Citi®…
 
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    Personal Finance News

  • What One African American Veteran’s Gift of Hope and Opportunity is Doing to Create Jobs for His Fellow Veterans And Non Veterans Alike!

    ACN Staff
    26 Nov 2014 | 8:30 pm
    LIGHTNING RELEASES (11/26/2014)— What would you do if you were disabled and then honorably discharged from the Military? Would you take a bow, graciously acknowledge you’ve served your country, completed your Tour of Duty to the best of your ability, and now comfortably (or not) relax while relying on others to take care of you? […]What One African American Veteran’s Gift of Hope and Opportunity is Doing to Create Jobs for His Fellow Veterans And Non Veterans Alike! was created by and is property of American Consumer News.
  • Global Syn-Turf and High Performance Turf Announce Strategic Partnership

    ACN Staff
    26 Nov 2014 | 2:33 pm
    SIMPLEPR: Hayward, California and Fresno, California (11/26/2014) – Global Syn-Turf, Inc., the leading manufacturer in the artificial grass industry, is pleased to announce its new strategic partnership with High Performance Turf, a leading one-stop resource for synthetic turf and landscape supplies in Fresno, California. With a broad assortment of artificial grass and landscaping supplies, Global […]Global Syn-Turf and High Performance Turf Announce Strategic Partnership was created by and is property of American Consumer News.
  • Spud Spikes Has Launched a New Line of Tender Meat Snacks on the Worldwide Crowdfunding Platform IndieGoGo

    ACN Staff
    26 Nov 2014 | 2:33 pm
    LIGHTNING RELEASES: SPOKANE, Wash. (11/26/2014) – Spud Spikes® has launched a new line of Gourmet Tender Meat Snacks under the Burly Babe™ brand. Owner Leon Frechette created this product, which he is very proud of, by blending his Spud Spikes original seasoning with local high-quality meats. The Tender Meat Snacks are packaged in both a […]Spud Spikes Has Launched a New Line of Tender Meat Snacks on the Worldwide Crowdfunding Platform IndieGoGo was created by and is property of American Consumer News.
  • Female African- American who Claims Invention of the Internet sets Record Straight

    ACN Staff
    26 Nov 2014 | 11:33 am
    LIGHTNING RELEASES (11/26/2014) – Ferguson , Missouri is only a microcosm of the state of racism in the nation . ABFY SELLERS GROUP CEO alleges that her claims to the Internet are not a joke or a “hoax” , but that she is held back by blatant racism and oppression . Dorothy M. Hartman holds […]Female African- American who Claims Invention of the Internet sets Record Straight was created by and is property of American Consumer News.
  • Happy Thanksgiving, from TTR

    ACN Staff
    26 Nov 2014 | 11:15 am
    LIGHTNING RELEASES: McMinnville, OR (11/26/2014)- Transaction Tax Resources, Inc. (TTR) is in the business of helping people. The people TTR focuses on helping are those trusted to get sales and use tax right. These professionals have one thing in common: they want to get it right, and they won’t stop until it is right. Sales […]Happy Thanksgiving, from TTR was created by and is property of American Consumer News.
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    Cash Money Life | Personal Finance, Investing, & Career

  • Is It Worth It To Pay Movers?

    Miranda Marquit
    17 Nov 2014 | 9:23 am
    This article was originally published on Cash Money Life | Personal Finance, Investing, & Career at Is It Worth It To Pay Movers?. I think that paying movers just might be worth the cost. My recent cross-country move involved full-service movers, and it’s been awesome. This isn’t our first cross-country rodeo; it’s our third. In the past, my husband and I have used a version of self-service moving. We’ve used those “you pack, we drive” services in the past. They are cheaper than paying for someone to load up the truck, but you don’t have to drive…
  • 2014 Veterans Day Free Meals

    Ryan Guina
    10 Nov 2014 | 3:42 am
    This article was originally published on Cash Money Life | Personal Finance, Investing, & Career at 2014 Veterans Day Free Meals. Veterans Day is a day to remember and thank military members for their service in the armed forces. As a military veteran, it always humbles me to see the thanks given by so many people on Veterans Day. Though none of us served for recognition, it is nice (and humbling) to be thanked for your service. Many restaurants and retailers also offer veterans special discounts, or even free meals on Veterans Day. This is very generous on their part, and certainly…
  • Moving and Banking: Do You Change Things Up When You Move?

    Miranda Marquit
    27 Oct 2014 | 8:18 am
    This article was originally published on Cash Money Life | Personal Finance, Investing, & Career at Moving and Banking: Do You Change Things Up When You Move?. I recently made the trek across the country to take up a new abode. I’ve researched the area that my family is moving to, and found that the bank that we currently use for all our primary money needs — and my business needs — doesn’t have a branch within 200 miles. This isn’t much skin off my back. Thanks to online banking access and remote check deposit, I rarely visit the bank branch a mile away from…
  • Federal Tax Extension Deadline – October 15

    Ryan Guina
    10 Oct 2014 | 7:42 am
    This article was originally published on Cash Money Life | Personal Finance, Investing, & Career at Federal Tax Extension Deadline – October 15. If you filed for a federal tax extension in April, your tax forms need to be filed by October 15th.  Taxes are normally due on April 15th every year, but taxpayers are eligible to file for an automatic extension if they need more time to prepare their tax return. It is important to note that even if you file an extension, your taxes are due April 15th, whether or not your tax forms have been completed and filed. If you filed an automatic…
  • 3 Reasons to Help Your Child Invest

    Miranda Marquit
    1 Oct 2014 | 1:54 pm
    This article was originally published on Cash Money Life | Personal Finance, Investing, & Career at 3 Reasons to Help Your Child Invest. We often think of investing as a “grown up” thing to do. Many of us don’t think about letting our kids invest. However, this can be a mistake. Now is the perfect time to help your child start investing. In fact, teaching your child to invest now can yield great results later. Here are 3 good reasons to help your child invest now. 1. The Power of Compound Interest The beauty of compound interest is that the longer you have for it to work, the more…
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    Grad Money Matters

  • Negatives and Risks of Telecommuting For Your Job

    GMM
    24 Nov 2014 | 2:00 am
    Lately, we have been talking a lot about telecommuting. Telecommuting can be a godsend in a person’s life, or a person might even hate it. It really just depends on your personality and how you like to work.Anyway, I recently published both of the articles Work Benefits and Perks To Negotiate For and Positives of Telecommuting For Your Job. However, what about the negatives of telecommuting?There has to be at least a few negatives to telecommuting as well or else everyone would be fighting to be able to do it.You might feel lonely if you telecommute.Working from home by yourself can…
  • 4 Reasons You Should Look Into Self-Employment

    GMM
    19 Nov 2014 | 1:00 am
    Self-employment is something I highly recommend that people try out if they are not happy working for someone else. I know a few people who actually hated self-employment and left the self-employment world, but I know many people who have tried self-employment and will never go back to working for someone else.Myself? I am someone who will never leave self-employment unless I am absolutely forced to. Self-employment has treated me greatly, and leaving this just does not seem possible for me.Below are four reasons for why you should look into self-employment if you are not happy at your day…
  • How Can Young People Begin And Maintain Their Financial Future?

    GMM
    18 Nov 2014 | 12:02 pm
    Finances are a topic that some young people overlook. This can then lead to money problems such as credit card debt and living paycheck to paycheck. However, hopefully that does not include you.Starting your financial future now will put you ahead and can help lead to less money-related stress and hardship in your life. There are many things you will want to think about as a young person who is interested in securing their financial future.You will want to think about investing, what you will do about student loans (if you have them), eventually moving out and living on your own (and the…
  • Five Blogging Mistakes That May Be Ruining Your Blogging Career

    GMM
    17 Nov 2014 | 1:00 am
    Many may not want to admit it, but every single blogger out there has made some form of a blogging mistake. If there is someone out there who wants to say that they are perfect, please send me an email because I want to personally bow down to you for being perfect There is nothing wrong with making a mistake when blogging, however, you do want to learn from and correct your mistake as soon as possible.Below are five different blogging mistakes that may be ruining your blogging career:1. You don’t care about networking.Networking is extremely important as a blogger. You want to connect with…
  • Can I Make Money Online?

    GMM
    13 Nov 2014 | 2:00 am
    Rarely does a day go by without someone asking me if making money online is a scam or not.Well, let me tell you now. It is NOT a scam to make money online. Yes, there are some scams out there, but there are plenty of legitimate online jobs out there where you can earn a full-time living from the comfort of your home.Below are different things you might want to think about when thinking about whether or not you want to make money online.Don’t ever pay in order to work.One way to spot an online job scam is if they ask you to pay money to them upfront in order to do the job. I guess in…
 
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    Everybody Loves Your Money

  • 12 Ways to Save $50 per Month {Part 2}

    Alexa
    25 Nov 2014 | 8:15 pm
    If you could consistently save an extra $50 each month for a year that would end up in a total budget reduction of $600 per month, every month. That’s some pretty significant savings! Last week we started exploring twelve different ways to save $50 per month, listing the first six. Today we’re going to go over six more ways you can $50 per month. Hopefully you can find at least a couple different ideas that work for you. # 7 – Brown Bag It To me this idea is so obvious that I almost hesitated on sharing it. Then I got to thinking back about all my day jobs and the fact that the…
  • 4 Ways to Check Your Credit for Free

    Alexa
    23 Nov 2014 | 8:15 pm
    If you ever plan on borrowing money, keeping your credit score high is crucial. Otherwise you’ll be paying far more in interest than you should be. Trust me, I’ve been there. When I bought my first car I didn’t have the greatest credit. It’s not that I had done anything wrong, it’s just that I was slow on building my credit. I was young and therefore had a short credit history which worked against me. During my car shopping process several dealers were offering me twenty percent interest – which was insane! Luckily, I wasn’t that stupid and instead kept searching. I finally…
  • Link Love 11/21/14

    Alexa
    20 Nov 2014 | 8:15 pm
    Happy Friday! Hope you had a good week and that you’re not too cold :) In case you’re in need of some weekend reading here are some of my favorite posts from the week! What to Know Before Becoming a Stay at Home Mom @My Stay at Home Adventures 5 Obstacles That Are Keeping You in Debt @Critical Financial How I’m Hustling to Pay Off My Enormous Student Loan Debt @The Budget Mama The Benefits of Long Term Food Storage and Preparedness @The Frugal Farmer Making the Same Debt Mistakes Again @Dinks Finance Have a great weekend! The post Link Love 11/21/14 appeared first on…
  • 12 Ways to Save $50 a Month {Part 1}

    Alexa
    18 Nov 2014 | 8:15 pm
    If you could find a way to save a recurring $50 each month in a total of twelve months you’d be able to cut your budget by $600 in one year! While it might feel overwhelming to find 12 different sources of income to save in one month doing these tasks one month at a time is a pretty reasonable plan. If you’re ready to drastically reduce your budget here are the first six ways to save $50 a month! # 1 – Switch Your Auto Insurance As an ex-insurance I can vouch for the fact that you should switch your auto insurance carrier every three years. If you don’t your premium is just going…
  • How to Get More Done When Working from Home

    Alexa
    16 Nov 2014 | 8:15 pm
    I’ve been on a big time management kick lately. It all started when I set the goal to triple my income in six months. Since then I’ve made steady strides and have been able to dramatically increase my productivity. For those of you looking to earn more income, whether that be from a side hustle or your work from home job, or for anyone who just feels like they’re not making good progress on their goals I wanted to share what’s really been working for me. Here’s how to get more done when working from home. Create a Specific Work Space I work from home. For the past year and a half…
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    CreditCards.com

  • Miami students flunk conmanship

    Jay MacDonald
    26 Nov 2014 | 5:25 pm
    If you're a parent with a college-bound kid, you likely have a wish that goes like this: May my child graduate with the career of their dreams that will enable them to pay off their student debt. But if you live in Miami, be careful what you wish for. An enterprising group of 18 current and former Miami Dade College students have been indicted for laundering $500,000 in other people's stolen income tax refunds through their Higher One student financial aid accounts, in exchange for a cut of the action. The FBI says the students, along with three others, were part of a Miami-based ring that…
  • Private student loan lenders to offer more flexible repayment options

    Sienna Kossman
    25 Nov 2014 | 11:00 am
    For private student loan borrowers facing high, inflexible monthly payments in times of unemployment or other financial hardships, relief may be on the way.Two of the biggest private student loan lenders -- Wells Fargo and Discover Financial Services -- are introducing loan modification programs to help financially struggling borrowers successfully repay their student loans to avoid falling behind and even further into debt. These new loan modification programs may also address many of the complaints surrounding private student loan lending. Private student loan lenders have been negatively…
  • Low credit score linked to higher heart disease risk

    Kelly Dilworth
    21 Nov 2014 | 6:15 am
    A low credit score isn't just bad for your wallet. It could also indicate you're struggling with your health. According to a paper published this week in the Proceedings of the National Academy of Sciences, bad credit is strongly linked to poorer heart health. "Following 1,000 individuals from birth to midlife, we show that low credit scores predict cardiovascular disease risk," write study authors Salomon Israel, Avshalom Caspi, Daniel Belsky, HonaLee Harrington, Sean Hogan, Renate Houts, Sandhya Ramrakha, Seth Sanders, Richie Poulton and Terrie Moffat in the report, "Credit Scores,…
  • How I beat coupons with discount gift cards

    Karen Haywood Queen
    19 Nov 2014 | 5:00 am
    The Coupon Maven placed $300 worth of groceries on the conveyor belt and I watched in awe as she used coupons to cut her bill to $250. I wanted to capture that kind of savings, too. So every week, I'd spend about 30 minutes clipping and ripping coupons from the Sunday newspaper. They piled up everywhere -- in the car, on my desk and, rarely, in my coupon book. But at most I'd save $10. Every couple of months, I'd throw away nearly all of the coupons, expired and unused. I felt like a failure. Then I discovered discount gift cards. People who receive gift cards they don't want sell them to…
  • 5 resourceful ways to save money on Black Friday

    Sienna Kossman
    18 Nov 2014 | 8:55 am
    Thanksgiving is just around the corner, which means consumers and retailers are gearing up for the busiest shopping time of the year.Cue the Jaws soundtrack. I've been an early morning-after-eating-too-much-turkey shopper a number of times, but I'm sitting this year out to save extra money and spend time with family. For me, the insanely cheap kitchen appliances and sweaters can wait.However, if you're one of the brave souls venturing out on Black Friday -- or even Thanksgiving night -- to snag some discounted booty, best of luck. I recommend using these thrifty tips alongside the usual "plan…
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    One Frugal Girl

  • Gift Exchanges: Really Crappy Gifts

    One Frugal Girl
    21 Nov 2014 | 8:02 pm
    Two years ago my brother and I officially stopped giving each other gifts for Christmas. I can say without a bit of remorse that I’m glad we ended the exchange. Every year it became more difficult to decide on a gift and the added stress and cost just wasn’t worth it anymore. It was a mutual agreement; my brother was just as happy to end the swap as I was. Honestly, I wish I could end the majority of my gift exchanges. I’d prefer Christmas to work like Thanksgiving where we drive to someone’s house, eat good food, spend quality time together and head home. More often…
  • Maternity Clothes: Dreading Winter

    One Frugal Girl
    20 Nov 2014 | 8:25 pm
    My son was born in October, which means my belly didn’t start blossoming until late spring/early summer. That was a great time to be pregnant because I didn’t need to waste a lot of money on maternity clothes. I found a bunch of inexpensive summer dresses and billowy tops and wore them while I was pregnant. They still reside in my closet and I pull them out every summer when the weather turns warm. This time around I’ll be pregnant in the midst of winter and I’m having a pickle of a time finding any clothes that work for me. I hate the feeling of maternity pants. I…
  • Free $10 Credit to Educents

    One Frugal Girl
    19 Nov 2014 | 9:20 am
    Get a free $10 credit when you join the Educents.com website. New members will receive $10 worth of Edubucks, which can be put toward the purchase of ANYTHING on the Educents site. No minimums or catches! Educents is an online daily deal site that offers affordable educational products for students, parents and educators by working with established educational suppliers. You will receive your code via email. Coupon expires in 6 months.
  • Nesting Progress

    One Frugal Girl
    18 Nov 2014 | 6:04 pm
    As I clean out the house in preparation for our new little bundle of joy I am perpetually amazed by the sheer amount of stuff that exists within the confines of our walls. Every time I revisit the closets, dressers and drawers in my house I find something else that can be dragged off to the donation center. Although I love reorganizing I absolutely hate seeing how much money I’ve wasted over the years. After moving things from room to room one too many times I finally decided to get rid of a box full of dishes, platters, plates, vases and candle holders. I hate to admit it, but most of…
  • Nesting: The Second Time Around

    One Frugal Girl
    13 Nov 2014 | 2:12 pm
    I love second trimester nesting! I’m currently twenty-one weeks pregnant and suddenly feel a compulsive need to clean the house, remove all the clutter and organize everything. I started in the kitchen, moved to the dining room, tried my best to wrangle the chaos that is our living room and then moved upstairs. I don’t feel as anxious about getting everything ready this time around. Before my son was born I wanted every little detail to be complete. I asked my husband to paint the nursery, I assembled the crib and dresser and applied jungle themed decals to the walls. Long before…
 
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    My Dollar Plan

  • 14 Ways to Save Even More Money Shopping on Amazon

    Madison
    26 Nov 2014 | 7:43 am
    We’re gearing up for our third holiday season as Amazon sellers. Over the last few years, I’ve not only learned how to maximize revenue as a seller, but I’ve also learned lots of incredible ways for buyers to save money on purchases! In fact, I still do most of my holiday shopping on Amazon because you can get such great deals. It’s a deal seekers paradise when you combine the details about how Amazon works on the inside with normal deal finding strategies. Now if only I could find a way to get an Amazon Echo in time for Christmas! Here are tips and tricks to save…
  • This Month’s Most Popular Finance Tips: November

    Madison
    25 Nov 2014 | 7:04 am
    This month our favorite finance discussion topics were ways to make extra money organizing your clutter, the sharing economy, inexpensive Christmas gifts, Black Friday free stuff and shopping tips, tips from Downsized, and the cost of cutting cable. If you missed the most popular finance tips this month, here’s a quick overview: This Month’s Most Popular Tips: November 6 Ways to Make Money Organizing Your Clutter. Kristen shares ways to get your house in order and make money at the same time! 6 Financial Tips from Downsized You Should Try Today. Tips you can apply to your own…
  • Black Friday Shopping Tips to Save You Money

    Madison
    24 Nov 2014 | 7:13 am
    The countdown is on… it’s only a few more days until Black Friday! Now that you are prepared for holiday shopping with your list and budget, it’s time to do some planning for Black Friday sales. When Do Black Friday Deals Start? Black Friday, which traditionally marked the beginning of holiday shopping, is the day after Thanksgiving. However, in the last few years we’ve seen stores open on Thanksgiving. This year, Pre-Black Friday sales seem to be the trend! We already picked up some Lego friends on sale and a few other items. I’m closely watching the items…
  • Black Friday 2014 Free Stuff

    Madison
    21 Nov 2014 | 6:45 am
    Black Friday 2014 Free Stuff! It’s the annual Black Friday 2014 free stuff list! It’s one of the most exciting and one of my favorite Free Money (or in this case free stuff!) offers. Compiling the list for free stuff on Black Friday is also one of my favorite holiday traditions! Black Friday 2014 Free Stuff I searched through all the Black Friday ad sites to compile the list of Black Friday freebies. It’s separated by free, free after rebate, and free with purchase. Be sure to check the ad scans for accuracy, and verify what time the price ends in your area. I put notes by each…
  • Upromise Rewards Cashback

    Madison
    20 Nov 2014 | 7:05 am
    Up next in our holiday cash back series is Upromise! Upromise is one of my favorite cash back programs. It’s also a reader favorite… Remember when reader Shaun highlighted Upromise as his go-to cashback program in his $12,000 Amazon Success Story? How to Earn Money with Upromise Sign up for a Upromise account. Earn cashback shopping online. You’ll get your payment in the form of a check, 529 plan contribution, or student loan payment. Upromise is a free rewards program designed to help you save for higher education expenses. However, it’s also a great cashback program…
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    My Financial Journey

  • Retirement Nestegg Report – October 2014

    MFJ
    2 Nov 2014 | 9:11 am
    Our nestegg grew this month slightly but our investments trailed the SP500 significantly for the 2nd straight month. Well I have now maxed out both my wife and my Roth IRAs for 2014. We will now focus on building up our our taxable investment accounts as well as finding ways to save in the cost of constructing our new house. I’m trying to convince my wife that despite me having zero woodworking experience that I can build use kitchen cabinets, tables, and other things for our house. So far I have not been so convincing. Taxable Account – $5,996.60 (-3.23%) Traditional Rollover IRA…
  • Retirement Nestegg Report – September 2014

    MFJ
    1 Oct 2014 | 5:04 am
    Well this month my nestegg shrunk and my investments under performed the SP500 index. I have a few more contributions to make to max out my wife’s Roth IRA and then I am going to start working on increasing my taxable account. I have not maxed out my 401k in a number of years and just put the bare minimum in to get my employers matching money. While my individual stocks that I invest in my IRAs and taxable accounts are much more volatile it has been impressive how much they have outperformed my 401k which is primarily invested in index funds. On top of having more control I do at some…
  • Retirement Nestegg Report – August 2014

    MFJ
    1 Sep 2014 | 6:47 pm
    Well another new all time high for my retirement nestegg and good performance by my portfolio. It’s amazing the growth of my nestegg the last few years and this has been an amazing time to have a good chunk of money invested in the stock market. I really wish I had more invested Taxable Account – $5,953.96(+2.16%) Traditional Rollover IRA – $ 34,038.64 (5.66%) My Roth IRA – $119,793.68 (+8.54%) Wife Roth IRA – $$67,215.02 (+8.24%) Traditional 401k – $202,494.53 (+4.22%) Roth/Traditional % = 42.60% (tax free) Total Retirement Nest Egg $429,495.83 (+6.10%) Monthly…
  • Retirement Nestegg Report – July 2014

    MFJ
    3 Aug 2014 | 10:15 am
    Taxable Account – $5,828.28(+6.15%) Traditional Rollover IRA – $32,215.25 (-7.11%) My Roth IRA – $110,364.18 (-1.51%) Wife Roth IRA – $62,098.14 (-0.23%) Traditional 401k – $194,298.56 (-1.90%) Roth/Traditional % = 42.60% (tax free) Total Retirement Nest Egg $404,804.41 (-1.87%) Monthly Contributions $758.84 (401k) SPY Performance -1.51% My Monthly Investment Performance -2.05% (-0.54% vs SP500) My Monthly Individual Stocks Performance -1.85% (-0.34% vs SP500) Copyright © 2014 My Financial Journey. This Feed is for personal non-commercial use only. If you are not reading…
  • Retirement Nestegg Report – June 2014

    MFJ
    1 Jul 2014 | 7:40 am
    Well a pretty good month for me. My investments crushed the SP 500 index and my retirement nestegg grew by almost $25k in just one month which I think is a record for me and is more than my retirement nestegg was worth when I started this blog in December of 2005 and did my first nestegg report. Compound interest is a beautiful thing. Taxable Account – $5,490.86 (+7.68%) Traditional Rollover IRA – $34,681.76 (+13.71%) My Roth IRA – $112,056.67 (+8.44%) Wife Roth IRA – $62,243.25 (+9.60%) Traditional 401k – $198,046.80 (+3.17%) Roth/Traditional % = 42.25% (tax free) Total…
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    MoneyCrush

  • Have You Reached That Moment Yet?

    Jackie Beck
    24 Nov 2014 | 4:00 am
    “A moment comes when the desire to do what you really want nearly overwhelms you and it feels like you can’t go another day without making a change.” -Tyler Tervooren, in his post Stand on a corner and sing That’s what it felt like when we finally did what it took to be debt free. And when I quit my job. And when…well, you get the picture. Have you reached that moment yet? The moment where you can’t go another day without making it happen? If you’re not already doing what you really want to be doing, what’s stopping you? That’s a little bit of…
  • Find Your Passion (It’s Probably Right in Front of You)

    <a href="https://plus.google.com/103781879383456582208?rel=author">Jackie Beck</a>
    17 Nov 2014 | 4:00 am
    “Find your passion,” we’re urged, and everything will fall into place. So we spend our time struggling to hunt down that passion as if it were some sort of elusive beast lurking deep in the jungle. The reality is, your passion is often right in front of you. You just can’t see it, because it’s covered up with ordinary. You spend your days going to work, doing what needs to be done around the house, and then relaxing for a bit in front of the computer, TV, or with family and friends. If you want to find your passion, you’ve got to open your eyes to what you…
  • Crazy Ways to Hide Money

    <a href="https://plus.google.com/103781879383456582208?rel=author">Jackie Beck</a>
    10 Nov 2014 | 4:00 am
    Do you hide cash or other valuables around the house, for emergencies or otherwise? (Should you admit that on the internet if you do? Probably not…) There must be quite a few people who do though, because I stumbled across a bunch of different ways to hide money around the house. Thank you, random Amazon suggestion for making me forget whatever I was actually looking for. Check out some of the things I found. (Clicking the images below will take you to Amazon using my affiliate link if you want get sidetracked like I was.) Apparently many of them are made from the actual objects, so I…
  • What Does a Holiday Budget Include?

    <a href="https://plus.google.com/103781879383456582208?rel=author">Jackie Beck</a>
    3 Nov 2014 | 4:00 am
    The holidays seem to sneak up on us, and then all of a sudden they’re everywhere we look. And they often seem to end up costing more than we thought. I suspect this is because we often forget to account for all of the little details that might be involved with a holiday. Take Christmas, for example. Depending on how you celebrate, it could involve a variety of purchases. (There’s everything from a gingerbread house kit to travel expenses.) So what does a holiday budget include? It could include things like: Decorations (tree, ornaments, wreathes, garlands, poinsettias, replacement…
  • Selling on Amazon FBA: My Personal Experience

    Jon Dulin
    27 Oct 2014 | 5:00 am
    This post is from reader Jon of Money Smart Guides, a personal finance blog that helps readers get out of debt and start investing for their future. He provides actionable advice to get you to where you want to be financially. My experience I enjoyed reading through Jackie’s Amazon selling experiment (parts one, two, three and four) and thought it would be helpful to share my own tips, tricks, successes and failures with selling on Amazon. What makes me qualified to talk about selling on Amazon? I’ve been doing it for almost 2 years now to make extra cash. On average, I earn about…
 
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    Million Dollar Journey

  • A Simple Low Cost Diversified ETF Portfolio 2014

    FrugalTrader
    24 Nov 2014 | 2:30 am
    This post was originally posted in 2008 but was recently updated to include the latest low cost index ETFs available to investors. Diversified indexing seems to be all the rage these days. To be honest, I’ve only recently started seeing the real benefits of indexing. As you may know, I am an aggressive investor and a performance chaser. However, even as an aggressive performance chaser, there is always room in the portfolio for some passive investing that goes with the flow that comes with the benefit of reduced risk. After doing some research, if I were to put together a diversified…
  • Save Money with USD to CAD Foreign Exchange using Norbert’s Gambit

    FrugalTrader
    17 Nov 2014 | 4:30 am
    With the U.S Dollar (USD) gaining strength in the global currency game, it has resulted in the Canadian Dollar (CAD) losing some ground.  While this means that shopping in USD is more expensive for Canadians, it’s great news for those who have some of their nest egg or generate income in USD. While it’s a great time to own USD, how does someone convert USD to CAD without getting gouged by the bank?  The answer – Norbert’s Gambit. I wrote an article about Norbert’s Gambit using the DLR and DLR.U ETFs as a cheap way to convert CAD to USD.  Basically you would…
  • Gas Rewards Programs Compared

    Guest Blogger
    10 Nov 2014 | 4:30 am
    Almost everyone needs to buy gas and I suspect most Canadians have participated in a rewards program affiliated with their favourite brand. But, are these rewards actually worthwhile? Are you getting a half decent return on your spending and, more importantly, do these rewards deserve your precious loyalty? In fact, some of these programs DO provide half-decent value while others probably aren’t worth the time it takes to collect them. You’d be better off focusing on all the other ways to save on gas. I’ve done an analysis to separate the wheat from the chaff and the results are below…
  • Aeroplan Promo, Estate Planning, Saving on Travel, Lessons from Elders and more!

    FrugalTrader
    7 Nov 2014 | 4:30 am
    For Aeroplan fans, TD Infinite Visa has an enticing limited time promotion (expires December 19, 2014): Current offer: Welcome Bonus of 15,000 Aeroplan Miles with your first purchase and an additional 10,000 miles when you spend $1,000 on your Card within the first 90 days (enough for a free flight in North America). Plus, no Annual Fee for the first year ($120 savings).    More info on the promo here. The card offers 1.5 pts/$1 spent at gas stations, grocery stores, drug stores and on AirCanada.com.  1 pt/$1 spent on everything else, and a very comprehensive travel insurance offering.
  • Net Worth Update November 2014 – Sean Cooper (+5.21%)

    Sean Cooper
    3 Nov 2014 | 4:30 am
    Welcome to the Million Dollar Journey November 2014 Net Worth Update – Team MDJ edition. A select group of readers were selected to be part of Team MDJ which was conceived after the million dollar net worth milestone was achieved in June 2014. Sean Cooper was selected as a team member and will post net worth updates on a regular basis. Here is more about Sean. Profile: Name: Sean Cooper Age: 29 Day Job: Employed with a major global pension consulting firm. Family Income: $50,000 (full-time job); $18,600 (rental income before expenses); and, $20,000 (approximate freelance income). $5,000…
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    Bible Money Matters

  • Giving Gift Cards This Holiday Season? Go Electronic

    Miranda Marquit
    26 Nov 2014 | 8:47 am
    A recent Bankrate report indicates that electronic gift cards are probably a better choice when you are giving to members of the younger generation. The post Giving Gift Cards This Holiday Season? Go Electronic appeared first on Bible Money Matters and was written by Miranda Marquit. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • 4 Ways To Develop A Thankful Heart Before Thanksgiving

    Craig Ford
    24 Nov 2014 | 4:00 am
    Take this Thanksgiving to answer what really are the greatest blessings you enjoy? Why are you thankful? The post 4 Ways To Develop A Thankful Heart Before Thanksgiving appeared first on Bible Money Matters and was written by Craig Ford. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • How To Avoid The 3 Biggest Risks In Peer Lending

    Joseph Hogue, CFA
    20 Nov 2014 | 4:30 am
    Know the risks and tools before jumping into the world of online loans, and you could join thousands of borrowers that are beating their banks. The post How To Avoid The 3 Biggest Risks In Peer Lending appeared first on Bible Money Matters and was written by Joseph Hogue, CFA. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • How To Take The Focus Off Gift Giving And Onto Jesus This Advent

    Melissa
    19 Nov 2014 | 4:24 am
    Every year, our culture seems to move further from "The Reason for the Season." What are your favorite ways to teach your kids more about Jesus? The post How To Take The Focus Off Gift Giving And Onto Jesus This Advent appeared first on Bible Money Matters and was written by Melissa. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • Why You Shouldn’t Give Your Child Everything This Christmas

    Melissa
    18 Nov 2014 | 4:58 am
    We Americans spend a lot on our kids for Christmas presents, according to Mint.com "the average family spent around $750 on holiday gifts." Is it too much? The post Why You Shouldn’t Give Your Child Everything This Christmas appeared first on Bible Money Matters and was written by Melissa. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
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    Canadian Personal Finance Blog

  • RRSP to TFSA Grand Jeté

    bigcajunman
    26 Nov 2014 | 6:08 am
    I like the title as Mrs. C8j is a former ballerina, so any time I can figure to use a ballet term I get extra points (one day I will figure out how to put Benesh Movement Notation in a post). What could I possibly mean by this odd title? For a long time folks have talked about how to deal with RRSP tax refunds (if you get them, some folks simply have that built into their taxation deductions, so they enjoy their refund all year round), and this is another interesting idea, that I am sure many folks are already using, but I will see if I can sum it up. The Full RRSP to TFSA Grand JeteImage…
  • TFSA Retirement Welfare Bums

    bigcajunman
    25 Nov 2014 | 6:16 am
    I am borrowing an expression that David Lewis made about Canadian Corporations getting far too many tax breaks (his phrase was “Corporate Welfare Bums“), however, I feel it is correct, given the furor in the main stream media about Rich Canadians getting fat off Retirement Welfare (again to paraphrase and add alarmist tenor to the argument). Typical Rich Fat Cat Canadian™ lying around with his TFSA and his tax loopholes! This all seems to be a reaction to The Harper Government™ proposing (or maybe only socializing) a doubling of the current TFSA yearly limit to $11K, and thus…
  • Inflation Stays High Despite Lower Gas in October

    bigcajunman
    24 Nov 2014 | 6:05 am
    Our friends at Stats Canada published their monthly report on the Consumer Price Index, and the numbers are not what I was guessing it might be (in that it is still inching up in the Bank of Canada Red Zone). To quote the report precisely: Higher prices for shelter and food led the rise in the CPI. At the same time, larger year-over-year price increases for transportation and for clothing and footwear contributed the most to the acceleration in the CPI. So, day-to-day living costs of shelter and food are up last month and thanks to transportation continues to drag the year over year number…
  • Financial Tweets of the Week

    bigcajunman
    23 Nov 2014 | 8:43 am
    No not financial twits of the week, given my propensity to pontificate on Twitter, I figured I’d add my considerable skill at finding useful information by compiling a few of my favorite tweets of the week (what is the tongue in cheek font?). The Physics of Finance: Slow steaming is still dreaming — a response to Paul Krugman @mark_buchanan – http://t.co/JSiMiV7Dea — Big Cajun Man (@bigcajunman) November 19, 2014 My New Twitter Icon Mr. Buchanan felt a little irked by the commentary of renowned Economist (and blow hard (IMHO)) Paul Krugman. Assuming that a physicist cannot…
  • Lake Effect Snow, Web Cameras, Travel Insurance and #BestThisWeek

    bigcajunman
    21 Nov 2014 | 4:10 am
    We got to see what Lake Effect Snow actually means with some vivid photos of Buffalo getting buried by 7 feet of snow. They are getting more snow today evidently, this is why I am happy that Ottawa only has a river running through it. The worst part of this is that it might rain in Buffalo putting all roofs in the area in the peril (7 feet of heavy wet snow is not what any how is designed to support). Mr. Cardinal Confirms, Winter Sucks Enjoy  your web cams and such? The laptop I am typing on has one pointed right at me, but evidently our Russian hacking friends have sites from hacked…
 
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    Early Retirement Extreme

  • The first step out of consumerism

    Jacob
    26 Nov 2014 | 8:59 pm
    For someone addicted to buying stuff as a source of satisfaction going cold turkey on the buying habit, like I did, is not recommended. Indeed, you either need a strong will or a great support network. Instead I think a solution which works brilliantly as a first step is to buy all your things used(*). (*) I have the following exceptions: Underwear, socks, footwear, safety equipment and things which I have not managed to acquire in a used condition after several months of trying (usually rare books and tools). Buying used has the following consequences It sets up a consumption barrier. Since…
  • Scientists vs engineers, a postmodern perspective

    Jacob
    26 Nov 2014 | 8:55 am
    The goal of this blog is not so much to give you tips to retire early. Retiring early is very simple, it is not rocket science. I sometimes get letters from people which say things like, and I paraphrase, “I recently found ERE. I’m writing to tell you that I did something similar 15 years ago (before ERE existed) and it’s been a blast.” This means that what’s really required to retire (meaning become financially independent to avoid having to work for money to pay bills) early is not “tips” but the ability to think critically and think…
  • Slaying the “I might need it someday”-monster

    Jacob
    25 Nov 2014 | 8:54 pm
    The following was a consequence not so much of a brilliant insight but more of external circumstances. When we moved into the RV, we obviously didn’t have a lot of space(*), so many things were packed into moving boxes and stored outside in the garden shed. (*) Although I think if we put everything in the RV in boxes, we’d still end up with quite a few. We figured, it would be easy to go out and get something in case we needed it. Surprise, surprise, this rarely happens, because it’s simply too much of a hassle to go dig up that esoteric/useless gadget when other solutions…
  • My top 5 tips to becoming an extreme early retirement expert

    Jacob
    25 Nov 2014 | 8:51 am
    I am not really a big fan of lists of tips of “small actionable steps”. While fun, at least as long as they’re short, I don’t find such lists very helpful(*), mostly because they either list things I’m already doing (turn the light off hen you leave the room) or things that do not apply (clip coupons). The tips I enjoy the most are the “maybe you should look into this”-type of tips. Pointers that would require some research on my part but which I would not otherwise have thought of myself in a million years or maybe two or three years anyway . (*) I…
  • Optimizing blogging with S-curves

    Jacob
    24 Nov 2014 | 8:47 pm
    Blogging has no threshold to get started. There is no need for a degree to apply, nor is advancement determined by “unionized” seniority. This means that there is little initial investment needed to get started in terms of time and money. In fact, it is possible to start a new blog right here right now in about 10 minutes. It also means that growth is solely determined by your own efforts and skills rather than management decisions, pedigree, or a preset corporate career track. Thomas recently asked me about how S-curves apply to pro-blogging. Making money with a blog usually…
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    PFBlog.com: The Unique Personal Finance Blog Since 2003

  • Monthly Update - October 2014 ($1,855,696, +$18,816)

    webmaster@pfblog.com
    11 Nov 2014 | 5:15 am
    Our net worth continued its steady growth in the month of October. The monthly gain of $18,800 propelled our year-to-date asset growth to almost $200K, handily beating our net worth improvement of $172K in the first 10 months of 2013. Our household balance sheet, along with monthly, year-to-date, and trailing 12 months comparison, are shown below: READ FULL POST ... Read more posts like this from PFBlog.com, The Unique Personal Finance Blog Since 2003.
  • Monthly Update - September 2014 ($1,836,880, +$21,587)

    webmaster@pfblog.com
    8 Oct 2014 | 8:20 pm
    Our family net worth grew a handsome $21,000, or 1.2%, in September, extending our winning streak of back-to-back five-figure monthly gains to the 6th month. For the first nine months of the year, we have grown our total assets by over $177K, besting the $146K gain in the same period last year. Our household balance sheet, along with monthly, year-to-date, and trailing 12 months comparison, are shown below: READ FULL POST ... Read more posts like this from PFBlog.com, The Unique Personal Finance Blog Since 2003.
  • Monthly Update - August 2014 ($1,815,293, +$73,983)

    webmaster@pfblog.com
    7 Sep 2014 | 12:26 pm
    Our net worth typically receives a big increase every August due to the annual vesting of stock awards from my employment. Last August, our net worth rallied $40K. The year before, it was $64k. And we are thrilled to see another $74K boost to our bottom line in the passing month. This adds to our winning streak -- five back-to-back monthly net worth improvement of over $10K. At $1,815, our net worth gained just shy of $250K in the last 12 months. Our household balance sheet, along with monthly, year-to-date, and trailing 12 months comparison, are shown below: READ FULL POST ... Read more…
  • Monthly Update - July 2014 ($1,741,310, +$19,798)

    webmaster@pfblog.com
    18 Aug 2014 | 4:02 pm
    With another $19K increase, July is the four consecutive month we enjoyed five-digit monthly net worth improvement. At $1,741K, our net worth rose a handsome $216K in the last 12 months, a good 14.2% gain. Our household balance sheet, along with monthly, year-to-date, and trailing 12 months comparison, are shown below: READ FULL POST ... Read more posts like this from PFBlog.com, The Unique Personal Finance Blog Since 2003.
  • Monthly Update - June 2014 ($1,721,512, +$16,499)

    webmaster@pfblog.com
    18 Aug 2014 | 3:33 pm
    We closed the month of June with a net worth increase of $16,499, or slightly below 1%. In the trailing 12 months, our net worth growth exceeded $220K, of 14.7%. Our household balance sheet, along with monthly, year-to-date, and trailing 12 months comparison, are shown below: READ FULL POST ... Read more posts like this from PFBlog.com, The Unique Personal Finance Blog Since 2003.
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    FIRE Finance

  • Happy Veterans Day

    11 Nov 2014 | 10:10 am
    Nov 11, 2014: We wish you a Happy Veterans Day :). It's a state and federal holiday across US. But those of us who are employees of corporate America need to go to work :(. Veteran's day has an inspiring history. In November 1919, President Wilson proclaimed November 11 as the first commemoration of Armistice Day with the following words: To us in America, the reflections of Armistice Day will Click on the post title to continue reading .....
  • Daylight Savings Time Reminder

    2 Nov 2014 | 1:01 am
    Nov 02, 2014: It is time to reset our household clocks and watches to get that extra hour on Sunday morning. We will get an extra hour of Sunday morning sleep on Nov 2, because of the time change that rolls our clocks back an hour every fall. This move back to Standard Time from Daylight Saving Time, or DST takes effect at 2 a.m. the first Sunday in November, rather than the last Sunday in Click on the post title to continue reading .....
  • Happy Halloween

    31 Oct 2014 | 1:11 am
    Oct 31,2014: We wish you a Happy Halloween. Hope you have a wonderful time at tonight's Halloween party dressed in fabulous yet scary costumes. Last night we filled our orange colored pumpkin bucket with colorful candies. Kids love them :). We know that pumpkin carvers are going to have a ball of a time today. There's a best pumpkin carver competition going on at our work place. Creativity Click on the post title to continue reading .....
  • Happy Columbus Day

    13 Oct 2014 | 9:09 pm
    Oct 13, 2014: Wish you all a Happy Columbus Day. We Americans celebrate this day to mark the anniversary of Christopher Columbus's arrival in the Americas, on October 21, 1492. Wow! It's over five hundred years since that discovery :). Thanks to Columbus else Americas would have remained utterly unknown to the world. History Behind This Day The first Columbus Day celebration was held in 1792, Click on the post title to continue reading .....
  • Three Quick Steps To Get Out of Debt

    24 Sep 2014 | 11:35 am
    Sep 24, 2014: At present we are debt free. It's a great feeling to have no financial debts. In fact it's said that the first step to save is to get rid of our debts. We agree. Your lifestyle can siphon off cash faster than the rate at which you earn it. More so if you lead a fast life where you are conscious of status symbols, social image and can spare no time to manage your finances. Such a Click on the post title to continue reading .....
 
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    How I Save Money.net

  • How Millenials Shop for the Holidays

    Lulu
    25 Nov 2014 | 11:42 pm
    Credit Karma sent some interesting information about How Millenials Shop for the Holidays. This gives some insight into the different shopping behavior among different demographic groups and it also gives retailers good tips on when to expect these groups. A great tip for the members of this group is to keep track of their finances because generally people tend to spend more when they shop online and use credit cards. Related posts: How Store-affiliated Credit Cards can Bring Cheer to Your Holidays(Guest Post) Money In the UK Credit report update
  • Have a Happy Thanksgiving!!!

    Lulu
    23 Nov 2014 | 4:31 pm
    Thanksgiving is right around the corner and I know many of you will be travelling. Please remember to stay safe and focus on the experience and not just spending money. The Black Friday sales have already started but just make sure to get things you want….not just things that look like a good deal but only cause you to spend money that you do not have. Related posts: Happy Thanksgiving 2010 Everyone!! Getting Ready For Thanksgiving Avoid Thanksgiving Disasters And Financial Strain
  • Get Your Bassbuds This Black Friday

    Lulu
    19 Nov 2014 | 3:48 pm
    So I got Bassbuds earbuds in the past and have been using them constantly in the office because I love them. They are truly a great pair of earbuds and they look good as well. So what are Bassbuds? Well they are a fusion of style and technology so you get great sound in a stylish in-ear audio technology system. They also come equipped with a Swarovski cut element in each earbud so you look super stylish while you enjoy your music. I got the white ones and I cannot seem to get a great photo of the bling but here is what they look like. BassBuds and BassBoomz make the perfect gift for music…
  • I Need To Go To Starbucks

    Lulu
    4 Nov 2014 | 11:35 pm
    I need to go to Starbucks and not just because I am under the influence of the latte effect. I need to go to Starbucks and not because I suddenly won the lottery. I need to go because I won some gift cards a few months ago and I have not been using them. I love coffee and while I do not want to spend my own money on the very expensive coffee at Starbucks I can certainly spend the gift cards that I won. I feel like I need some coffee especially at this time since it has been getting really cold lately and I am also not sleeping as well with the demands of work and school. I do not want to let…
  • November Finances: Week 1

    Lulu
    2 Nov 2014 | 2:31 pm
    I normally post my financial status on Fridays but since I forgot last Friday..and this is the beginning of a new month I thought it fitting to get it in now. This week my expenses were: $259.04 for my second to last tuition payment for the fall semester. I have one more payment to go because there was a glitch with the system and we were all forced to go on a payment plan while our waivers were applied. The good thing is the $25 installment plan was waived for my department because of the glitch so I got to spread out my payments without being charged extra for that privilege. $31.74 on new…
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    Funny About Money

  • Whatcha Doin’ for Thanksgiving?

    funny
    26 Nov 2014 | 10:07 am
    You have a plan for Thanksgiving? Eating in immoderation, I hope? Preferably with friends or at least relatives who don’t make you too crazy? M’hijito and I are going, once again, to the home of his delightful friends, the couple with the twins. Better them than me, eh? Seriously, the children are outrageously adorable and really very well behaved. Uhm…at  least, they were at the stage they were in the last time we saw them. LOL! Every year this couple throws a gigantic TG  shindig, to which they invite ALL the friends and relatives. This provides an opportunity to trot…
  • Another Day in Dystopia

    funny
    24 Nov 2014 | 9:49 pm
    So what are we to make of lynch mob by media? A police officer shoots an unarmed young man. One is White — the cop. And one is Black — the civilian. From there, the facts elide into contradiction, gossip, and ambiguity. The case is referred to a grand jury, and as jurors deliberate, news media predict mayhem. The President of the United States weighs in. Nay. The news and social media urged mayhem. Reported pre-mayhem. Smelled blood in the air. Prayed for mayhem to sell papers (and website ads). Lordie! Now we learn the grand jurors couldn’t discern enough evidence to…
  • Boob Update: Back, Forth, and Back Again

    funny
    22 Nov 2014 | 7:10 am
    Okay, so WonderSurgeon is at last convinced, and so am I, that the best thing to do is to have the boob OFF, and better yet, to get them both off so as to bring a stop to concerns about the other breast and so I don’t have to spend the rest of my life lopsided. It’s taken a while to get to this point. Last week (was it only last week?) I went in to see the radiation oncologist. By then WonderSurgeon and I had decided to keep the boob and do radiation and aromatase inhibitors. This new doctor, though, said she would do it but that the chance of recurrence was high and that the side…
  • Consumer-proof Packaging: What’s in YOUR Kitchen Drawer?

    funny
    20 Nov 2014 | 9:57 am
    So the other day I went to open a bottle of cheap wine, the type with the screw-on cap. Naturally, I reached into the kitchen drawer — premium real estate in this house — and quite naturally pulled out a wrench. Yeah. There’s a wrench in the kitchen drawer, something no woman in my mother’s generation (or in mine, until rather recently) would EVER have allowed to take up space there. This led me to reflect on the the ubiquity of consumer-proof packaging — almost everything you buy is hermetically sealed in layers of plastic (much of it hard as a football helmet)…
  • Neighborhood Patrol? Really?

    funny
    18 Nov 2014 | 8:41 pm
    What on earth could they be thinking? The current bunch that’s taken control, with vivacious élan and enthusiasm, of the neighborhood organization has decided that nothing will do but what we must have a neighborhood watch. Astonishingly, the Phoenix police department is aiding and abetting this bit of foolishness. The neighborhood association is recruiting people to join up and take a (1) training class, after which, presto-changeo, “you will leave the class trained to help with our PNP.” You realize Arizona is a concealed-carry state. The legislature in its infinite…
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    Lending Club Blog

  • New and Improved Statistics Page

    Lending Club
    13 Nov 2014 | 10:07 am
    We recently redesigned our Loan Statistics page to make our data even more accessible and useful for our borrowers and investors. Here’s what’s new: Updated interactive design – click on the graphs and charts to see new ways to filter, sort and view the data: Sort the “Average Interest Rate” by grade and by 36- and 60-month terms. Check out the “Grade Mix Over Time” graph and cut the data across 36- and 60-month terms. View the “Loan Performance Details” across different units (dollar amount, number of loans, % of issued loans). Review new information: See the “Net…
  • Lending Club Honored with Economist Innovation Award

    Lending Club
    15 Oct 2014 | 2:06 pm
    This month I was honored and humbled to be named the winner of The Economist’s annual Innovation Awards in the consumer products category. Now in their 13th year, the Innovation Awards recognize innovators across seven categories, from bioscience to the environment to communications. We’re very gratified to have Lending Club recognized for our efforts to transform the banking system by making credit more affordable and investing more rewarding.  I wanted to say a heartfelt thank you to all of the borrowers and investors who have placed their trust in us, as well as to all the dedicated…
  • Finding the right company culture for you

    Lending Club
    30 Sep 2014 | 8:54 am
    How important is company culture to you? At Lending Club, we consider our company culture a part of our businesses’ DNA – it’s at the center of what makes up everything we do to innovate and keep our business alive and thriving. When I look across our company I see certain traits embodied in every team member, and that’s because we look for candidates who have the traits that make up our company culture. No matter what job title, skill set or amount of experience one brings, we assess if the candidate is a culture-match. And, I believe that all jobseekers should do the same –…
  • Welcome Vermont Investors!

    Lending Club
    4 Sep 2014 | 4:12 pm
    Today, we’re thrilled to welcome residents of the state of Vermont to Lending Club’s investing platform and to take another step towards our mission to transform the banking system to make credit more affordable and investing more rewarding. With this exciting news, we want to share some fun facts about Vermont! Vermont is also known as the “Green Mountain State.” The state bird is the hermit thrush, the state tree is the sugar maple, the state flower is the red clover, the state animal is the Morgan horse, and the insect is the honeybee! Vermont churns out 35 percent of the…
  • We filed to go public today

    Lending Club
    27 Aug 2014 | 10:41 am
    We filed a registration statement with the SEC today regarding a proposed IPO. We’re now in what’s known as a “quiet period,” and during this time SEC rules limit our ability to provide more details than what’s in the press release below and in the registration statement. We appreciate your understanding these limitations and as always thank you all for your support! Lending Club Files S-1 Registration Statement for Initial Public Offering SAN FRANCISCO, CA, August 27, 2014 – Lending Club, the world’s largest online marketplace connecting borrowers and investors, today announced…
 
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    Personal Finance Buzz - Published news

  • Setting Financial Goals for the New Year

    frugalrules
    24 Nov 2014 | 7:05 pm
    Financial goals are vital to have if you want to move forward in growing wealth. I share some simple ways to set goals and keep them on track next year.
  • October 2014 blog income and stats recap

    rfindependence
    24 Nov 2014 | 5:58 pm
    October 2014 blog income and stats recap
  • How to Appeal High Property Taxes

    massrealty
    24 Nov 2014 | 4:43 pm
    Are the property taxes on your home too high? Do you know how to get an abatement if this is the case. See how to challenge your local property taxes.
  • Indonesia vs Filipina

    dika
    24 Nov 2014 | 4:20 pm
    Prediksi Indonesia vs Filipina: Selasa tanggal 25 Nopember 2014 timnas Garuda akan kembali berlaga pada babak penyisihan grup A Piala AFF 2014 yang akan berlangsung di Stadion My Dinh Hanoi Vietnam.
  • Perawatan Rambut Rontok Tradisional

    dika
    23 Nov 2014 | 2:18 am
    Perawatan Rambut Rontok Tradisional: Cara mengobati kerontokan rambut selain berkonsultasi dan berobat ke dokter ahli, banyak juga orang yang memilih Obat Rambut Rontok Tradisional dalam usahanya memulihkan kembali rambut yang lebat hitam legam dan berkilau cemerlang.
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    Money Crashers

  • 16 Tips for Better Online Video Chatting – Improve Quality & Appearance

    Laura Williams
    26 Nov 2014 | 2:00 pm
    As a freshman in college in the year 2000, I remember struggling mightily to pay my 400-minute monthly cell phone bill. I was trying to maintain a long-distance relationship with my boyfriend, but our time to talk was limited due to his packed baseball schedule, my two jobs, and, most of all, the fact that […] 16 Tips for Better Online Video Chatting – Improve Quality & Appearance is a post from the Money Crashers personal finance blog.
  • 7 Ways to Shop for a Cause This Holiday Season

    Jacqueline Curtis
    25 Nov 2014 | 11:30 am
    ‘Tis the season for cooking, baking, laughing, singing, and of course, shopping. After all, what is the holiday season for if not the joy of giving? Whether you’re picking up a present for your mom or for your significant other, much of November and December is dedicated to finding, purchasing, and giving the perfect present. […] 7 Ways to Shop for a Cause This Holiday Season is a post from the Money Crashers personal finance blog.
  • What Is Pet Health Insurance – Cost, Policies & Coverage

    Brian Martucci
    24 Nov 2014 | 12:30 pm
    Pets are family members, which means they need to be cared for in every way. They need food, shelter, love, and, yes, their long-term health needs to be looked after. For many pet owners, though, medical care can be a big expense. So, how can you do right by your pets’ health in a fiscally responsible […] What Is Pet Health Insurance – Cost, Policies & Coverage is a post from the Money Crashers personal finance blog.
  • 4 Cheap & Healthy Specialty Foods You Can Make at Home (Recipes)

    Laura Williams
    21 Nov 2014 | 9:30 am
    I spend a ridiculous amount of money at the grocery store. This is partly because my husband and I almost never eat out (but we do eat a lot), and it’s partly because we buy an abundance of organic, high-quality food. Over the last few years I’ve started trying new things in the kitchen, looking […] 4 Cheap & Healthy Specialty Foods You Can Make at Home (Recipes) is a post from the Money Crashers personal finance blog.
  • 10 Tips to Choose the Right Sneakers or Athletic Shoes

    Laura Williams
    20 Nov 2014 | 9:00 am
    John Wooden, the acclaimed UCLA basketball coach who won 10 NCAA championships in a 12-year span, used to start each season by teaching his players the right way to put on their socks and shoes. Now, you’d think that young men would know how to do this by the time they got to college, but […] 10 Tips to Choose the Right Sneakers or Athletic Shoes is a post from the Money Crashers personal finance blog.
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    Mighty Bargain Hunter

  • Want to make tons of money? Two keys

    John Wedding
    20 Nov 2014 | 2:33 am
    There are lots of people who claim to have the key to making money. And with this post, I’m going to bite the bullet and become one of those people who claims to have the key to making money. But, I’m not going to charge you anything for this key.  I’m not even going to ask you to sign up for my newsletter!  (Though, if you want to, please move your gaze to the right and enter your email address .) Recognize the other side of the transaction Over ten years ago (after spending twenty-three years in school) I began investigating ways to make money online.  I’m still…
  • Oh, you’re such a TEASE! Mastering teaser rates and more

    John Wedding
    29 Oct 2014 | 10:21 pm
    Do you like to be teased? If you’re seven, probably not.  If you’re twenty-seven and with your spouse or significant other … well, I’ll leave you two alone. Like everything else, it depends completely on the context.  And though businesses don’t tease the way a couple of love birds would, they do sweeten the pot a bit to encourage you to pull out your credit card. Simple Financial Lifestyle (follow him on Twitter) wrote recently about financial teasers.  Although the title says “NO!” the rest of the article says, “Weeelll, let me think about…
  • Credit card expiring soon? Eleven steps to stay in control

    John Wedding
    27 Oct 2014 | 7:34 pm
    My business credit card expires at the end of this month. I had had my brand-spanking-new one on my desk for over a month, and finally activated the card this month. Credit cards expire (and renew) for a number of good business reasons: Fraud protection.  Stolen or cracked numbers on an expired card are worthless. Re-evaluation of creditworthiness.  Just like car insurance companies only extend insurance for a set period of time, credit card issuers only extend credit for a set period of time.  An expiring card gives them the opportunity to adjust some (but not all) parameters on your…
  • Fourteen travel tips for infrequent fliers

    John Wedding
    18 Oct 2014 | 8:34 pm
    I don’t fly often.  In many ways, I’m very thankful for this. As an infrequent flier, though, I am vulnerable to being taken advantage of.  People who fly every month or even every week have parts of their travel routine down to a science.  I’ve traveled with fliers who not only have the basics down, but have the nuances of particular airports down so well that they just breeze through. This is like anything else:  The more you practice deliberately, the better you become. Rules change all the time I’m sure you’ve gotten a number of notices from various…
  • Amazon listens! (and what we can learn)

    John Wedding
    15 Oct 2014 | 10:02 am
    We do a lot of shopping through Amazon.  We love the convenience of our Amazon Prime membership, and even made the decision to get an Amazon rewards card. Amazon is a great place to save some money, easily. Amazon more or less singlehandedly gave rise to the term showrooming. We save even more on some of our staple foods with subscribe and save — automatic delivery of the same item at set intervals. We have a few more items that we’re looking to put on that list, which could increase the discount we get on the entire order. We talked, and Amazon listens There has been the…
 
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    Spilling Buckets Personal Finance

  • How to Trade Put and Call Options

    Ryan
    30 Oct 2014 | 2:59 pm
    How to trade put and call options is not all that difficult, nor are they the most volatile or riskiest of investments, once you understand the basics. To explain how to trade a call option let’s look at the below example. ABC Paper Company On June 1, the stock of ABC Paper Company is $67. There is a July 70 call with a cost of $3.15. This means the expiration of the call is the third Friday in the month. The strike price is $70. The total cost for 100 is $315. Do not worry about commissions for right now. Remember when you by a stock option you are purchasing 100 shares. The price of the…
  • 4 Home Updates that Appeal to Today’s Buyers

    Ryan
    28 Oct 2014 | 5:04 am
    When homeowners are considering listing their homes for sale they often work on improving the condition of the properties to yield the highest resale value possible. Sometime sellers hire home inspectors to evaluate their properties to ensure no major surprises hinder their return on investment (ROI). Before selling, owners might remodel an outdated bathroom, upgrade the back deck or refinish their hardwoods. While all of these home improvements should theoretically increase selling prices, some upgrades are more cost effective for the seller. The priority for home sellers is to appeal to the…
  • The Cash Drawer’s Effect on Business

    Ryan
    28 Oct 2014 | 4:55 am
    Having a cash drawer with an integrated point of sale terminal is one of the best upgrades a small to medium enterprise can invest in. The amount of time that a point of sale terminal with an integrated cash drawer can save is immense. Places like Shopify offer affordable cash drawer solutions for companies wanting to experience this level of improvement in their service. The cash drawer is an evolution of the old till system that our grandparents were used to seeing and that we grew up around. Most business owners that have been in operation over the last couple decades know how a till…
  • What items can you cover with a Funeral Insurance Plan?

    Ryan
    28 Sep 2014 | 5:07 am
    A funeral insurance plan is a great way of making sure that the people you leave behind when you die don’t have the extra stress of having to organize and pay for your funeral. If you visit a funeral director many of them will have people there who will speak to you about the arrangements you would like and talk you through applying for funeral insurance to cover the costs. They will advise you on the various items that you might want to think about covering with your insurance. What cremation or burial costs should you cover with funeral insurance? There are coasts that may be obvious when…
  • Where is the auto insurance industry headed for the coming decade?

    Ryan
    28 Sep 2014 | 4:54 am
    The auto insurance industry is growing far and wide casting its net into almost every corner of the world. This is important not only from the profitability point of view but also from the view that it helps people understand how important it is to practice road safety and make sure that they abide by the traffic laws. One of the reasons for this kind of a change could be the fact that simple activities of maintenance of traffic laws and driving rules can save you from skyrocketing premium rates. With more and more people realizing the fact that even trivial of activities that people assume…
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    Girls Just Wanna Have Funds

  • Here’s What You Missed From The #MyAvonStory Twitter Chat

    Ginger
    25 Nov 2014 | 8:00 am
    If you weren’t able to join us last week for the #MyAvonStory Twitter Chat with Jen Groover, never fear, I’ve got a recap for you. Inspirational.  Honest.  Empowering.  Bold.  Fearless. Just a few words I’d use to describe the event as all the women participating shared their perspectives posed by the marvelous Jen Groover.  The questions posed included: Q1. How have you grown your confidence, personally or professionally? MyAvonStory Q2. How many of you have successfully taken yourself out of your comfort zone? What have you done? MyAvonStory Q3. Self-doubt is…
  • You’re Engaged, Now What?

    Ginger
    25 Nov 2014 | 5:00 am
    A wedding is a milestone that will be filled with cherished memories as you start your future together. You’ve started looking at dates, venues, dresses and you’re the proud owner of a beautiful diamond engagement ring. Now what? Your wedding bands and engagement rings symbolize your love and commitment, and will continue to be important pieces throughout your lifetime, and you’ll want to know how to take proper care of them. Here are a few jewelry tips from Jewelers Mutual Insurance Company, the nation’s leading jewelry insurance specialists since 1913, on how to take care of your…
  • First Comes Divorce Then Comes Bankruptcy – Or Should It?

    Ginger
    24 Nov 2014 | 5:48 am
    Often, finances are the biggest stressors in relationships. Frequently, couples caught up in financial problems believe that divorce is the answer to their problem and each partner blames the other for the ongoing money woes. The belief that the other person is responsible, may, or may not, be true. A good adage to remember though is: you can divorce your partner, but you can’t divorce your debts; at least the ones you entered into jointly.?? Normally divorce should take a backseat to bankruptcy. If you wait to file bankruptcy in the middle of a divorce, the disbursement of property may…
  • 5 Smart Career Moves for the Modern Woman

    Ginger
    20 Nov 2014 | 10:20 am
    When it comes to analytics, there is a surprising shortage of talent in our technology-driven world. According to McKinsey & Company’s big data report, the United States could be short up to 190,000 qualified employees by 2018. There is a demand for employees who have the analytical skills and know-how to use the data produced to make effective business decisions. This demand has been recognized by colleges and universities across the globe — so much, in fact, they are developing new business analytical degrees to meet this shortage. Women in pursuit of a rewarding new career…
  • Join Our Twitter Chat for Entrepreneurs with Jen Groover, Avon + Me

    Ginger
    17 Nov 2014 | 4:00 am
    Female entrepreneurs ROCK.  And Avon is in the business of empowering women to embrace entrepreneurship giving them the financial freedom they crave.  This is my third series with Avon and I am continually amazed at the life-changing stories shared by women who utilized the opportunity to quit their job, pay off debt and/or achieve financial freedom.   I am in the business of empowering women to find their center – financially – so I feel personally invested in this campaign. I understand the need to create financial freedom, especially as a woman in today’s economy.
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    The Finance Buff

  • Vanguard Solo 401k Illegally Refuses Incoming Rollover From IRA?

    Harry Sit
    17 Nov 2014 | 4:49 am
    Speaking of solo 401k, I heard that Vanguard recently asked all its solo 401k plan customers to “amend and restate” their plan with a new package of documents. This is not unusual. Laws and regulations change. Plans are required to adopt the changes in order to stay compliant. After patching one amendment after another, amending and restating incorporates everything into one clean set of documents. I looked at the new document in Vanguard’s Individual 401(k) New Plan Kit. It appears to me that the new document says the plan accepts incoming rollovers from IRAs. Not…
  • Solo 401k CP 214 Notice: Much Ado About Nothing

    Harry Sit
    13 Nov 2014 | 4:54 am
    Whenever I get a letter from the IRS, my heart rate goes up. I’m afraid they are telling me something I don’t want to hear. The latest letter from the IRS is quite strange. It’s about my solo 401k plan. For more background on solo 401k, see Solo 401k When You Have Self-Employment Income. The IRS letter tells me that I may have to to file a 5500-EZ on paper or a 5500-SF electronically for the plan year ending on December 31, 2014. The filing isn’t due until July 31, 2015. Why do they remind me now in November, 8 months before it’s due? It’s way too early for…
  • Bank of America Travel Rewards Visa: Better Than Fidelity AmEx Or Citi Double Cash

    Harry Sit
    11 Nov 2014 | 4:58 am
    I opened a brokerage account at Merrill Edge and a checking account at Bank of America in August. I’m expecting the up to $1,000 bonus any day now. See previous post Merrill Edge + Bank of America = Free Trades + Free Checking + No ATM Fee. After three months, I qualified for Bank of America’s Preferred Rewards program. In addition to free trades and a free checking account that reimburses ATM fees with no minimum balance or direct deposit requirement, the third component I put into the Preferred Rewards program is a BankAmericard Travel Rewards credit card. On its own feet, this…
  • Fidelity Freedom Index Funds: Hidden Gems For Your IRA, Solo 401k, or Brokerage Window

    Harry Sit
    5 Nov 2014 | 4:57 am
    While automated investment management services using ETFs get the news coverage, don’t overlook the tried-and-true target date funds. They are still a very good choice at least for the IRAs, where most people have the majority of their retirement money, and where fancy tax loss harvesting doesn’t apply. Fidelity quietly opened up to retail investors a line of target date funds composed of index funds. Besides Vanguard, Fidelity has become a second major mutual fund company that offers target date funds based on index funds to all investors. These funds are called Fidelity Freedom…
  • Schwab Intelligent Portfolios: Game Over For Betterment and Wealthfront?

    Harry Sit
    29 Oct 2014 | 4:53 am
    Reuters broke the news a few weeks ago that Charles Schwab was going to unveil a free online investment advisory service within weeks. Now it’s official. Charles Schwab announced it in a press release on Tuesday. It’s called Schwab Intelligent Portfolios. Like the other so-called robo-advisors such as Betterment and Wealthfront, Schwab’s computer algorithm is going to suggest and manage a portfolio of ETFs for you. The minimum is only $5,000. You can have IRA and taxable accounts. You can fund the account with recurring deposits. It’s going to be automatically…
 
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    Maximizing Money

  • Staples Free $5 ePromo Card with $25 Staples eGift Card Purchase

    Max Messner
    26 Nov 2014 | 1:10 pm
    Staples is offering a free $5 ePromo Card with every $25 Staples eGift Card purchased online through December 13, 2014. Check out this Staples eGift Card Promotion to get $5 in free ePromo Cards for every $25 in eGift Cards purchased. The post Staples Free $5 ePromo Card with $25 Staples eGift Card Purchase appeared first on Maximizing Money.
  • 1,000 Airberlin Topbonus Miles from Sixt Rental Cars

    Max Messner
    26 Nov 2014 | 1:06 pm
    You can get 1,000 airberlin topbonus miles just for registering for this Sixt rental car promotion. The post 1,000 Airberlin Topbonus Miles from Sixt Rental Cars appeared first on Maximizing Money.
  • ShopRunner Free 1-Year Membership for Anybody with $100 Purchase

    Max Messner
    26 Nov 2014 | 12:18 pm
    ShopRunner has sent me a special link that will give anyone a free 1-year ShopRunner membership when you make 1 purchase of $100 or more on a single ShopRunner order. The post ShopRunner Free 1-Year Membership for Anybody with $100 Purchase appeared first on Maximizing Money.
  • Interra Credit Union $100 Checking Promo and Other Black Friday Deals

    Max Messner
    26 Nov 2014 | 11:59 am
    Interra Credit Union in Indiana is offering a $100 bonus to open a checking account as well as a variety of other Black Friday and Cyber Monday promotions from November 28th to December 6, 2014. The post Interra Credit Union $100 Checking Promo and Other Black Friday Deals appeared first on Maximizing Money.
  • Install Amazon 1Button App for $5 Off Next Purchase

    Max Messner
    26 Nov 2014 | 10:40 am
    Install the Amazon 1Button App and make a $25 purchase to receive a $5 credit toward your next purchase of $5 or more using the Amazon 1Button App. Check out this Amazon 1Button App $5 Bonus Offer for more details. The post Install Amazon 1Button App for $5 Off Next Purchase appeared first on Maximizing Money.
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    Abacus Wealth Partners

  • What’s the Nightly Rate on Your Vacation Home?

    Barrett Porter
    20 Nov 2014 | 4:05 pm
    There’s exactly one situation where I love vacation homes—when good friends own them. Vacation homes are a lot like kids: You will spend lots of time with them, you won’t regret having them (on most days), and you will drastically underestimate the costs and energy that will be involved. We all know how much we typically spend per night for a luxury vacation rental or hotel room. So before you buy that second home, perhaps you’d like to know what your equivalent “nightly rate” might be. Get clear about your long-term travel wish list before committing to a…
  • Mastering the 529 Plan

    Neela Bushnell
    13 Nov 2014 | 11:05 am
    This past year, I decided to open a 529 college savings plan for my future children. For those who know me, you know I don’t actually have children, but I hope to someday. Getting a head start on paying for growing college costs seemed like a good idea. If used for “qualified education expenses,” like tuition and room and board, withdrawals from a Section 529 Plan are free of federal taxes and in many cases state taxes. For example, if I funded an account with $10,000 and that account grew to $20,000, I could take out the whole $20,000 free of any taxes. By comparison, if I…
  • Five Ways to Help a Grieving Friend

    Alan Ungar
    6 Nov 2014 | 9:46 am
    Ten years ago my business partner and good friend, Mark, died of colon cancer. Though I was devastated, I focused on running the business and developing a succession plan. Many of our clients were widows, so I decided to take a grief-counseling workshop with the hope of learning to be more empathetic while helping them to move on with their lives. I “lost it” during one of the workshop exercises. Not only had I never allowed myself to grieve Mark’s death, but I had never gone through the grieving process when my mother died 50 years earlier. I handled her death much the way…
  • Introducing Our New Web Portal

    J.D. Bruce
    30 Oct 2014 | 1:13 pm
    Today, we are focusing our newsletter on new technology that can help you better access your Abacus account information. A few years ago we revamped our paper/PDF quarterly reports and launched the first version of our Web portal. Now we are updating our systems. We are thrilled to report that our technology partners have worked hard on our new Web portal, and we hope you’ll agree we’ve succeeded. Our new Web portal is available now. You can log in at abacuswealth.com/client-login. The entire Abacus Web portal is available as a free iPhone and Android app.Click To Tweet What You…
  • Three Questions to Ask Your Advisor about Social Security

    Alan Ungar
    23 Oct 2014 | 12:45 pm
    Thirteen years ago, I blew it. I took my Social Security at full retirement age, and by doing so my wife and I lost $250,000 of lifetime Social Security benefits. Not only that, but instead of getting $3,400 a month when I die, she will get only $2,600. The good news is that she has forgiven me and next year we will celebrate our 57th anniversary. Deciding when to take your Social Security benefits is more complex than ever.Click To Tweet New Ways to Optimize Benefits Recent advances in technology have allowed us to optimize Social Security benefits, and we no longer have to depend on the old…
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    theBKBlog

  • How Soon After Bankruptcy Will You Qualify for a Mortgage?

    Jonathan
    10 Nov 2014 | 2:02 pm
    One of the most difficult decisions for a bankruptcy filer involves surrendering a home. Nobody wants to take this step, but sometimes there is just no choice. Home ownership involves not only a mortgage payment, but it also includes repair expenses, homeowners association dues and utility bills.Giving up your home will be traumatic – even if you recognize the financial realities. Your family life will be disrupted, the kids may have to change schools, and you will have to sell or store furniture and other personal property that may not fit into a rental.One of the questions that I get…
  • Free Budgeting Resources to Help You Recover from Bankruptcy

    Jonathan
    9 Oct 2014 | 1:35 pm
    One of the issues that many of my bankruptcy clients have in common has to do with lack of budgeting. Most of us have a general idea about our income and expenses but very few people sit down and write out a formal budget.When preparing a bankruptcy petition, I use my petition preparation software to create a budget, which, of course, I discuss with my clients. Many of my clients are surprised or even shocked to discover how much they spend each month and how far in the red they are.In many cases, bankruptcy can help solve this problem by consolidating payments in a Chapter 13, or by…
  • Giant Collection Law Firm Sued by Government for Deceptive Practices

    Jonathan
    15 Jul 2014 | 9:23 am
    The Consumer Financial Protection Bureau (a federal agency) has filed a lawsuit in federal district court against Frederick J. Hanna & Associates and its three principal partners for operating a “collection lawsuit mill” that uses illegal tactics to intimidate consumers into paying debts they may not owe.According to the CFPB, Hanna & Associates violated federal law which prohibits deceptive practices in the consumer financial marketplace. The Agency wants compensation for victims, a civil fine and an injunction against the firm and its partners.The allegations in the complaint…
  • Appeals Court Denies Damage Claim for Clear Violation of the Automatic Stay

    Jonathan
    18 Jun 2014 | 11:12 am
    On May 8, 2014 the 11th Circuit Court of Appeals released an interesting ruling denying a claim for damages filed by Chapter 13 debtors against their mortgage company. The Lodge v. Kondaur Capital Corporation and McCalla Raymer arose when a mortgage company started foreclosure proceedings against Mr. & Mrs. Lodge who were then debtors in an active Chapter 13 case.Under the automatic stay provision of the Bankruptcy Code, of course, lenders cannot initiate or continue collection activity against a debtor who has filed Chapter 13 unless and until the lender first convinces the bankruptcy…
  • Bankruptcy Often the Least Desireable Option to Eliminate Student Loan Debt

    Jonathan
    4 Mar 2014 | 11:01 am
    I recently received this email from a prospective client (“Jane”) seeking to have her student loans discharged in bankruptcy.  Do you see the problems with this case?I am permanently disabled due to cognitive decline resulting from a craniotomy to repair one of three aneurysms. I also suffer from back pain, anxiety, depression and panic attacks. In addition to my 2012 brain and gallbladder surgeries, I underwent back surgery in 2011 and two foot surgeries in 2010, and due to complications from my back surgery I have not been able to return to work. . I was very recently approved for…
 
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  • Former NFL QB arrested in Wendy's lot

    26 Nov 2014 | 11:38 pm
    Former NFL QB arrested in Wendy's lotAPFree agent NFL quarterback Tyler Thigpen was arrested this week in the drive-thru lane of a Florida fast food restaurant.Bizarre condition cops found him inMore sports coverageNBA debating age limit changeLeBron leads Cavs to huge win
  • Effective Ebola vaccine could be coming soon

    26 Nov 2014 | 11:38 pm
    Effective Ebola vaccine could be coming soonGetty Researchers reported an experimental immunization shot for the deadly disease was safe and showed signs of protection among healthy volunteers. Questions remain about dosageIn other newsEbola survivors speak outHealth benefits of eating turkey
  • Jolie confesses how her relationship has changed

    26 Nov 2014 | 11:38 pm
    Jolie confesses how her relationship has changed AP Angelina's secret wedding made her want to try a new task at home.Brad doesn't seem to buy it ...Take a lookAniston sports very strange braWill Smith supports Alfonso
  • Latest executive order ruffling some feathers

    26 Nov 2014 | 11:38 pm
    Latest executive order ruffling some feathersGettyThe president joked that he may have passed down the 'most talked about executive action' on Wednesday.Admittedly 'puzzling' action he tookMore on ThanksgivingTurkey Day deals to gobble up9 ways for a waste-free holiday
  • Ferguson sees calm after two nights of unrest

    26 Nov 2014 | 11:38 pm
    Ferguson sees calm after two nights of unrest APProtesters continued to hold scattered demonstrations as business owners and residents boarded up windows and cleared away debris.Thanksgiving hopes of the communityIn related newsMichael Brown's mother in disbeliefNational Guard controls violence
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  • Former NFL QB arrested in Wendy's lot

    26 Nov 2014 | 11:38 pm
    Former NFL QB arrested in Wendy's lotAPFree agent NFL quarterback Tyler Thigpen was arrested this week in the drive-thru lane of a Florida fast food restaurant.Bizarre condition cops found him inMore sports coverageNBA debating age limit changeLeBron leads Cavs to huge win
  • Effective Ebola vaccine could be coming soon

    26 Nov 2014 | 11:38 pm
    Effective Ebola vaccine could be coming soonGetty Researchers reported an experimental immunization shot for the deadly disease was safe and showed signs of protection among healthy volunteers. Questions remain about dosageIn other newsEbola survivors speak outHealth benefits of eating turkey
  • Jolie confesses how her relationship has changed

    26 Nov 2014 | 11:38 pm
    Jolie confesses how her relationship has changed AP Angelina's secret wedding made her want to try a new task at home.Brad doesn't seem to buy it ...Take a lookAniston sports very strange braWill Smith supports Alfonso
  • Latest executive order ruffling some feathers

    26 Nov 2014 | 11:38 pm
    Latest executive order ruffling some feathersGettyThe president joked that he may have passed down the 'most talked about executive action' on Wednesday.Admittedly 'puzzling' action he tookMore on ThanksgivingTurkey Day deals to gobble up9 ways for a waste-free holiday
  • Ferguson sees calm after two nights of unrest

    26 Nov 2014 | 11:38 pm
    Ferguson sees calm after two nights of unrest APProtesters continued to hold scattered demonstrations as business owners and residents boarded up windows and cleared away debris.Thanksgiving hopes of the communityIn related newsMichael Brown's mother in disbeliefNational Guard controls violence
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  • Former NFL QB arrested in Wendy's lot

    26 Nov 2014 | 11:38 pm
    Former NFL QB arrested in Wendy's lotAPFree agent NFL quarterback Tyler Thigpen was arrested this week in the drive-thru lane of a Florida fast food restaurant.Bizarre condition cops found him inMore sports coverageNBA debating age limit changeLeBron leads Cavs to huge win
  • Effective Ebola vaccine could be coming soon

    26 Nov 2014 | 11:38 pm
    Effective Ebola vaccine could be coming soonGetty Researchers reported an experimental immunization shot for the deadly disease was safe and showed signs of protection among healthy volunteers. Questions remain about dosageIn other newsEbola survivors speak outHealth benefits of eating turkey
  • Jolie confesses how her relationship has changed

    26 Nov 2014 | 11:38 pm
    Jolie confesses how her relationship has changed AP Angelina's secret wedding made her want to try a new task at home.Brad doesn't seem to buy it ...Take a lookAniston sports very strange braWill Smith supports Alfonso
  • Latest executive order ruffling some feathers

    26 Nov 2014 | 11:38 pm
    Latest executive order ruffling some feathersGettyThe president joked that he may have passed down the 'most talked about executive action' on Wednesday.Admittedly 'puzzling' action he tookMore on ThanksgivingTurkey Day deals to gobble up9 ways for a waste-free holiday
  • Ferguson sees calm after two nights of unrest

    26 Nov 2014 | 11:38 pm
    Ferguson sees calm after two nights of unrest APProtesters continued to hold scattered demonstrations as business owners and residents boarded up windows and cleared away debris.Thanksgiving hopes of the communityIn related newsMichael Brown's mother in disbeliefNational Guard controls violence
 
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  • Former NFL QB arrested in Wendy's lot

    26 Nov 2014 | 11:38 pm
    Former NFL QB arrested in Wendy's lotAPFree agent NFL quarterback Tyler Thigpen was arrested this week in the drive-thru lane of a Florida fast food restaurant.Bizarre condition cops found him inMore sports coverageNBA debating age limit changeLeBron leads Cavs to huge win
  • Effective Ebola vaccine could be coming soon

    26 Nov 2014 | 11:38 pm
    Effective Ebola vaccine could be coming soonGetty Researchers reported an experimental immunization shot for the deadly disease was safe and showed signs of protection among healthy volunteers. Questions remain about dosageIn other newsEbola survivors speak outHealth benefits of eating turkey
  • Jolie confesses how her relationship has changed

    26 Nov 2014 | 11:38 pm
    Jolie confesses how her relationship has changed AP Angelina's secret wedding made her want to try a new task at home.Brad doesn't seem to buy it ...Take a lookAniston sports very strange braWill Smith supports Alfonso
  • Latest executive order ruffling some feathers

    26 Nov 2014 | 11:38 pm
    Latest executive order ruffling some feathersGettyThe president joked that he may have passed down the 'most talked about executive action' on Wednesday.Admittedly 'puzzling' action he tookMore on ThanksgivingTurkey Day deals to gobble up9 ways for a waste-free holiday
  • Ferguson sees calm after two nights of unrest

    26 Nov 2014 | 11:38 pm
    Ferguson sees calm after two nights of unrest APProtesters continued to hold scattered demonstrations as business owners and residents boarded up windows and cleared away debris.Thanksgiving hopes of the communityIn related newsMichael Brown's mother in disbeliefNational Guard controls violence
  • add this feed to my.Alltop

  • Former NFL QB arrested in Wendy's lot

    26 Nov 2014 | 11:38 pm
    Former NFL QB arrested in Wendy's lotAPFree agent NFL quarterback Tyler Thigpen was arrested this week in the drive-thru lane of a Florida fast food restaurant.Bizarre condition cops found him inMore sports coverageNBA debating age limit changeLeBron leads Cavs to huge win
  • Effective Ebola vaccine could be coming soon

    26 Nov 2014 | 11:38 pm
    Effective Ebola vaccine could be coming soonGetty Researchers reported an experimental immunization shot for the deadly disease was safe and showed signs of protection among healthy volunteers. Questions remain about dosageIn other newsEbola survivors speak outHealth benefits of eating turkey
  • Jolie confesses how her relationship has changed

    26 Nov 2014 | 11:38 pm
    Jolie confesses how her relationship has changed AP Angelina's secret wedding made her want to try a new task at home.Brad doesn't seem to buy it ...Take a lookAniston sports very strange braWill Smith supports Alfonso
  • Latest executive order ruffling some feathers

    26 Nov 2014 | 11:38 pm
    Latest executive order ruffling some feathersGettyThe president joked that he may have passed down the 'most talked about executive action' on Wednesday.Admittedly 'puzzling' action he tookMore on ThanksgivingTurkey Day deals to gobble up9 ways for a waste-free holiday
  • Ferguson sees calm after two nights of unrest

    26 Nov 2014 | 11:38 pm
    Ferguson sees calm after two nights of unrest APProtesters continued to hold scattered demonstrations as business owners and residents boarded up windows and cleared away debris.Thanksgiving hopes of the communityIn related newsMichael Brown's mother in disbeliefNational Guard controls violence
  • add this feed to my.Alltop

  • Former NFL QB arrested in Wendy's lot

    26 Nov 2014 | 11:38 pm
    Former NFL QB arrested in Wendy's lotAPFree agent NFL quarterback Tyler Thigpen was arrested this week in the drive-thru lane of a Florida fast food restaurant.Bizarre condition cops found him inMore sports coverageNBA debating age limit changeLeBron leads Cavs to huge win
  • Effective Ebola vaccine could be coming soon

    26 Nov 2014 | 11:38 pm
    Effective Ebola vaccine could be coming soonGetty Researchers reported an experimental immunization shot for the deadly disease was safe and showed signs of protection among healthy volunteers. Questions remain about dosageIn other newsEbola survivors speak outHealth benefits of eating turkey
  • Jolie confesses how her relationship has changed

    26 Nov 2014 | 11:38 pm
    Jolie confesses how her relationship has changed AP Angelina's secret wedding made her want to try a new task at home.Brad doesn't seem to buy it ...Take a lookAniston sports very strange braWill Smith supports Alfonso
  • Latest executive order ruffling some feathers

    26 Nov 2014 | 11:38 pm
    Latest executive order ruffling some feathersGettyThe president joked that he may have passed down the 'most talked about executive action' on Wednesday.Admittedly 'puzzling' action he tookMore on ThanksgivingTurkey Day deals to gobble up9 ways for a waste-free holiday
  • Ferguson sees calm after two nights of unrest

    26 Nov 2014 | 11:38 pm
    Ferguson sees calm after two nights of unrest APProtesters continued to hold scattered demonstrations as business owners and residents boarded up windows and cleared away debris.Thanksgiving hopes of the communityIn related newsMichael Brown's mother in disbeliefNational Guard controls violence
 
  • add this feed to my.Alltop

  • Former NFL QB arrested in Wendy's lot

    26 Nov 2014 | 11:38 pm
    Former NFL QB arrested in Wendy's lotAPFree agent NFL quarterback Tyler Thigpen was arrested this week in the drive-thru lane of a Florida fast food restaurant.Bizarre condition cops found him inMore sports coverageNBA debating age limit changeLeBron leads Cavs to huge win
  • Effective Ebola vaccine could be coming soon

    26 Nov 2014 | 11:38 pm
    Effective Ebola vaccine could be coming soonGetty Researchers reported an experimental immunization shot for the deadly disease was safe and showed signs of protection among healthy volunteers. Questions remain about dosageIn other newsEbola survivors speak outHealth benefits of eating turkey
  • Jolie confesses how her relationship has changed

    26 Nov 2014 | 11:38 pm
    Jolie confesses how her relationship has changed AP Angelina's secret wedding made her want to try a new task at home.Brad doesn't seem to buy it ...Take a lookAniston sports very strange braWill Smith supports Alfonso
  • Latest executive order ruffling some feathers

    26 Nov 2014 | 11:38 pm
    Latest executive order ruffling some feathersGettyThe president joked that he may have passed down the 'most talked about executive action' on Wednesday.Admittedly 'puzzling' action he tookMore on ThanksgivingTurkey Day deals to gobble up9 ways for a waste-free holiday
  • Ferguson sees calm after two nights of unrest

    26 Nov 2014 | 11:38 pm
    Ferguson sees calm after two nights of unrest APProtesters continued to hold scattered demonstrations as business owners and residents boarded up windows and cleared away debris.Thanksgiving hopes of the communityIn related newsMichael Brown's mother in disbeliefNational Guard controls violence
  • add this feed to my.Alltop

  • Former NFL QB arrested in Wendy's lot

    26 Nov 2014 | 11:38 pm
    Former NFL QB arrested in Wendy's lotAPFree agent NFL quarterback Tyler Thigpen was arrested this week in the drive-thru lane of a Florida fast food restaurant.Bizarre condition cops found him inMore sports coverageNBA debating age limit changeLeBron leads Cavs to huge win
  • Effective Ebola vaccine could be coming soon

    26 Nov 2014 | 11:38 pm
    Effective Ebola vaccine could be coming soonGetty Researchers reported an experimental immunization shot for the deadly disease was safe and showed signs of protection among healthy volunteers. Questions remain about dosageIn other newsEbola survivors speak outHealth benefits of eating turkey
  • Jolie confesses how her relationship has changed

    26 Nov 2014 | 11:38 pm
    Jolie confesses how her relationship has changed AP Angelina's secret wedding made her want to try a new task at home.Brad doesn't seem to buy it ...Take a lookAniston sports very strange braWill Smith supports Alfonso
  • Latest executive order ruffling some feathers

    26 Nov 2014 | 11:38 pm
    Latest executive order ruffling some feathersGettyThe president joked that he may have passed down the 'most talked about executive action' on Wednesday.Admittedly 'puzzling' action he tookMore on ThanksgivingTurkey Day deals to gobble up9 ways for a waste-free holiday
  • Ferguson sees calm after two nights of unrest

    26 Nov 2014 | 11:38 pm
    Ferguson sees calm after two nights of unrest APProtesters continued to hold scattered demonstrations as business owners and residents boarded up windows and cleared away debris.Thanksgiving hopes of the communityIn related newsMichael Brown's mother in disbeliefNational Guard controls violence
  • add this feed to my.Alltop

  • Former NFL QB arrested in Wendy's lot

    26 Nov 2014 | 11:38 pm
    Former NFL QB arrested in Wendy's lotAPFree agent NFL quarterback Tyler Thigpen was arrested this week in the drive-thru lane of a Florida fast food restaurant.Bizarre condition cops found him inMore sports coverageNBA debating age limit changeLeBron leads Cavs to huge win
  • Effective Ebola vaccine could be coming soon

    26 Nov 2014 | 11:38 pm
    Effective Ebola vaccine could be coming soonGetty Researchers reported an experimental immunization shot for the deadly disease was safe and showed signs of protection among healthy volunteers. Questions remain about dosageIn other newsEbola survivors speak outHealth benefits of eating turkey
  • Jolie confesses how her relationship has changed

    26 Nov 2014 | 11:38 pm
    Jolie confesses how her relationship has changed AP Angelina's secret wedding made her want to try a new task at home.Brad doesn't seem to buy it ...Take a lookAniston sports very strange braWill Smith supports Alfonso
  • Latest executive order ruffling some feathers

    26 Nov 2014 | 11:38 pm
    Latest executive order ruffling some feathersGettyThe president joked that he may have passed down the 'most talked about executive action' on Wednesday.Admittedly 'puzzling' action he tookMore on ThanksgivingTurkey Day deals to gobble up9 ways for a waste-free holiday
  • Ferguson sees calm after two nights of unrest

    26 Nov 2014 | 11:38 pm
    Ferguson sees calm after two nights of unrest APProtesters continued to hold scattered demonstrations as business owners and residents boarded up windows and cleared away debris.Thanksgiving hopes of the communityIn related newsMichael Brown's mother in disbeliefNational Guard controls violence
 
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  • Former NFL QB arrested in Wendy's lot

    26 Nov 2014 | 11:38 pm
    Former NFL QB arrested in Wendy's lotAPFree agent NFL quarterback Tyler Thigpen was arrested this week in the drive-thru lane of a Florida fast food restaurant.Bizarre condition cops found him inMore sports coverageNBA debating age limit changeLeBron leads Cavs to huge win
  • Effective Ebola vaccine could be coming soon

    26 Nov 2014 | 11:38 pm
    Effective Ebola vaccine could be coming soonGetty Researchers reported an experimental immunization shot for the deadly disease was safe and showed signs of protection among healthy volunteers. Questions remain about dosageIn other newsEbola survivors speak outHealth benefits of eating turkey
  • Jolie confesses how her relationship has changed

    26 Nov 2014 | 11:38 pm
    Jolie confesses how her relationship has changed AP Angelina's secret wedding made her want to try a new task at home.Brad doesn't seem to buy it ...Take a lookAniston sports very strange braWill Smith supports Alfonso
  • Latest executive order ruffling some feathers

    26 Nov 2014 | 11:38 pm
    Latest executive order ruffling some feathersGettyThe president joked that he may have passed down the 'most talked about executive action' on Wednesday.Admittedly 'puzzling' action he tookMore on ThanksgivingTurkey Day deals to gobble up9 ways for a waste-free holiday
  • Ferguson sees calm after two nights of unrest

    26 Nov 2014 | 11:38 pm
    Ferguson sees calm after two nights of unrest APProtesters continued to hold scattered demonstrations as business owners and residents boarded up windows and cleared away debris.Thanksgiving hopes of the communityIn related newsMichael Brown's mother in disbeliefNational Guard controls violence
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    Bible Money Matters

  • Giving Gift Cards This Holiday Season? Go Electronic

    Miranda Marquit
    26 Nov 2014 | 8:47 am
    A recent Bankrate report indicates that electronic gift cards are probably a better choice when you are giving to members of the younger generation. The post Giving Gift Cards This Holiday Season? Go Electronic appeared first on Bible Money Matters and was written by Miranda Marquit. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • 4 Ways To Develop A Thankful Heart Before Thanksgiving

    Craig Ford
    24 Nov 2014 | 4:00 am
    Take this Thanksgiving to answer what really are the greatest blessings you enjoy? Why are you thankful? The post 4 Ways To Develop A Thankful Heart Before Thanksgiving appeared first on Bible Money Matters and was written by Craig Ford. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • How To Avoid The 3 Biggest Risks In Peer Lending

    Joseph Hogue, CFA
    20 Nov 2014 | 4:30 am
    Know the risks and tools before jumping into the world of online loans, and you could join thousands of borrowers that are beating their banks. The post How To Avoid The 3 Biggest Risks In Peer Lending appeared first on Bible Money Matters and was written by Joseph Hogue, CFA. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • How To Take The Focus Off Gift Giving And Onto Jesus This Advent

    Melissa
    19 Nov 2014 | 4:24 am
    Every year, our culture seems to move further from "The Reason for the Season." What are your favorite ways to teach your kids more about Jesus? The post How To Take The Focus Off Gift Giving And Onto Jesus This Advent appeared first on Bible Money Matters and was written by Melissa. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • Why You Shouldn’t Give Your Child Everything This Christmas

    Melissa
    18 Nov 2014 | 4:58 am
    We Americans spend a lot on our kids for Christmas presents, according to Mint.com "the average family spent around $750 on holiday gifts." Is it too much? The post Why You Shouldn’t Give Your Child Everything This Christmas appeared first on Bible Money Matters and was written by Melissa. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
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    Christian Personal Finance

  • 10 Tips to Get More Done Than You Dreamed Possible Today!

    Kevin
    24 Nov 2014 | 9:00 am
    Have you ever noticed that some people are able to accomplish incredible things in just a single day? It’s probably because they know the ways to get more done. You can do the same thing, if you know what those ways are that will enable you to accomplish more. This list should help you do just that: 1Decide What’s Most Important and Make it the Priority Most jobs and businesses require multiple functions of you. But there are probably one or two tasks that you do each day that are most important. In fact, these tasks might even define your value or as an employee or a business person. We…
  • What You Should Do If Your Mortgage Is Underwater

    Kevin
    21 Nov 2014 | 9:00 am
    Much has been made in the past few years of homeowners who walk away from homes that are worth less than the outstanding mortgage balance. The process even has a name – strategic default – which is abandoning an investment that no longer looks promising. But is that the right course of action? And what should you do if your mortgage underwater? There are actually several things that you can do to deal with an underwater mortgage, but let’s start by discussing something that you shouldn’t do. An Underwater Mortgage is Not a Pass to Abandon the Home Many homeowners walked away from…
  • How to finally get started with your business idea

    Bob
    19 Nov 2014 | 8:26 am
    I remember sitting in my cubicle, with cloth walls surrounding me – or should I say caving in on me – with the sterile glow of a fluorescent light above my head. I had to stand up and look 50 yards in either direction just to catch a glimpse of sunlight. I still remember the best few minutes of my day was when I got to walk underneath a huge tree that stood just outside the building near the entrance of my corporate day job. To do this day, I don’t really understand why that tree inspired me to believe that I could start a business, but it did. I would walk under that tree…
  • 15 Healthy Slow Cooker Meals for under $10

    Jen
    18 Nov 2014 | 9:10 am
    Fall is the perfect time to break out the slow cooker.  I love that my family and I can still have healthy, home cooked meals for dinner, without the fuss and cleanup of actually preparing a huge meal every night.  Slow cookers are the perfect tool for a busy family and can help you save time and money.  These simple and healthy meals are easy to throw into the slow cooker in the morning, making your evening hassle free. Best of all, they are all under $10 a meal! Crockpot Honey Garlic Chicken   Slow Cooker Cuban Beef     Slow Cooker Chicken Parmesan   Slow Cooker…
  • How to Give a Cell Phone As A Gift: 8 Important Tips

    John Frainee
    18 Nov 2014 | 8:00 am
    Thinking about getting that fancy new cell phone for your someone special this Christmas? Great idea! But before you head to your local cell phone store, there are a handful of important tips you should know so that you don’t spoil the surprise or hit a roadblock. As an ex-employee of a major cellular carrier, I’ve seen it all. People walk through the door expecting to purchase a cell phone for their loved one, only to walk out with nothing. Why does this happen and what can you do about it? And, how can you find some ways to save money on your purchase? 1. Make sure you’re…
 
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    PT Money

  • 10 Ideas to Give More this Holiday Season

    Jason Price
    26 Nov 2014 | 11:38 am
    How often do we say the holiday season will be different as the season rolls around again? We’ll focus on giving and others more than succumbing to the busyness of the season.  We’ll slow down and truly focus on what we can be thankful for versus filling our priorities with Christmas lights, decorations and the mall. Those things are certainly okay and a fun part of the season, but if you’re looking for some ways to consider others and giving more of yourself this season, we think these 10 ideas will get you started. 1. Use Your Skills and Talents Perhaps you’re a great cook, possess…
  • How to Get to Zero Credit Card Debt with ReadyForZero.com

    Philip Taylor
    13 Nov 2014 | 6:45 am
    Creating a plan to get rid of your credit card debt is fairly simple. First, list out all of your debts and rank them according to one of three methods: highest interest rate (debt avalanche method), lowest total balance (debt snowball method), or most emotional. Then, start aggressively paying off debt #1, while making minimum payments on the others. Work your way down the list over the course of weeks, months, years until you are debt free. Easy, right? A company called ReadyForZero wants that process to be even easier. Their online based tool let’s you securely sign up and provide your…
  • 3 Financial Worries That Didn’t Exist For Your Parents

    Emily Guy Birken
    11 Nov 2014 | 7:50 am
    Between taking on way too much student debt, doing sensitive banking on smart phones, and forgoing home ownership, it may seem like all of us are ignoring the money lessons our parents and grandparents tried to teach us. Being careful with money is looking more and more like a skill from a previous century. But the real issue isn’t loss of money skills. It’s the fact that the financial world has seriously changed in the past few years—and how it will continue to change. Millennials (and the generations that come after them) are dealing with new and difficult financial problems that…
  • $2,500 AAPL Stock Giveaway from Nvestly

    Jason Price
    10 Nov 2014 | 6:00 am
    We all know that personal money management has it’s fair share of challenges.  Sometimes you can feel like you’re on an island all by yourself trying to figure things out.  This may be especially true for some of you when it comes to investing for the future. There are certainly well-known options you can pursue to tackle the difficult task of investment planning.  You can work with a financial advisor as many people do, read investment banks, blogs and more.  Obviously, you need to do your due diligence to make sure you can trust an advisor’s investment decisions and that they…
  • New and Improved Citi / AAdvantage Platinum Select MasterCard 50,000 Bonus Miles REVIEW

    Michael Pruser
    29 Oct 2014 | 12:00 pm
    It’s been some time since a bank has improved the offer on one of it’s frequent flyer credit cards but Citi recently launched an update to their American Airlines frequent flyer credit card.  The Citi AAdvantage Platinum Select MasterCard has increased a few important perks while keeping a low annual fee (waived for the first year) for all American Airline travelers.  Let’s take a deeper look into the pros and cons of card ownership. Following $3,000 in purchases during the first three months, Citi / AAdvantage Platinum Select MasterCard holders will receive 50,000 bonus…
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    RetirementRevised

  • Year-end tips for retirement savers young and not-so-young

    Mark Miller
    25 Nov 2014 | 6:32 am
    It’s year-end, and retirement savers of all ages need to check their to-do lists. These year-end lists often feel to me like endless, laborious chores, so I decided to limit suggestions in my Reuters column this week to just three – one apiece for three stages of life: already retired, close to retirement and just starting out. Already retired: don’t forget the Required Minimum Distribution (RMD). Distributions must be taken from individual retirement accounts (IRAs) starting in the year you turn 70 1/2 and from 401(k)s at the same age, unless you’re still working for the…
  • Kristof’s “A Path Appears” is a must-read for boomers who want to give back

    Mark Miller
    22 Nov 2014 | 9:17 am
    Many people approach retirement with thoughts of giving back and leaving a legacy, but they’re unsure about the specific path to take. Many struggle with tough questions – where to volunteer? How to give money effectively? Should I focus here or abroad? What’s the most important cause to work on? How do I get started? If you’re asking these questions, here’s a terrific new book you should read: A Path Appears: Transforming Lives, Creating Opportunity by  Nicholas D. Kristof and Sheryl WuDunn. Kristof is the well-known columnist for The New York Times; he is…
  • Medicare, ACA care and how to navigate during enrollment

    Mark Miller
    20 Nov 2014 | 7:26 am
    This is enrollment season for two huge public health insurance programs: Medicare and the Affordable Care Act health insurance exchanges. For older Americans, the overlapping sign-up periods can lead to confusion and enrollment errors. Insurers offering Medicare and ACA policies have big money at stake, and consumers are subject to a blizzard of marketing messages. Annual enrollment for Medicare prescription drug (Part D) and Advantage (Part C) plans began Oct. 15 and runs until Dec. 7; shopping for healthcare policies in the marketplace exchanges created under the ACA began Nov. 15 and ends…
  • Five takeaways on retirement policy from the midterm elections

    Mark Miller
    13 Nov 2014 | 2:52 pm
    Retirement policy wasn’t on the ballot in last week’s midterm elections. But the new political landscape could threaten the retirement security of middle-class households. With Republicans in full control of Congress, expect efforts to cut Social Security and Medicare benefits. And more Republican-controlled statehouses mean more efforts to curtail state and local workers’ pensions. One positive note: Congress and the White House could find common ground on some promising ideas to encourage retirement saving. My Reuters column this week looks at five policy areas to watch that…
  • Biggest surprises in retirement? The experts weigh in

    Mark Miller
    5 Nov 2014 | 6:59 am
    The Great Recession served up some nasty financial surprises to retirees – the housing crash, job loss and shrunken 401(k)s top the list of causes for the retirement insecurity that so many face. But retirement can bring lifestyle surprises, too. It’s one of life’s biggest transitions, and a major leap into the unknown. Hoping to lessen the guesswork for people who aren’t there yet, I asked retirement experts who work with people transitioning to retirement – about the surprises they hear about most often from those who have already retired. My Reuters column this week…
 
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    Intelligent Speculator

  • Top 101 Dividend Stocks – November 2014 Edition – Why 101 stocks?

    IS
    5 Nov 2014 | 1:00 am
    Every month I take a universe of stocks (typically the S&P500) and look at the top dividend paying stocks. I’m the first one to admit that yield is (just) one criteria among many others that should be considered but it is a good starting point. It is often among this universe that I’ll start my research when I’m making changes to my Ultimate Sustainable dividend portfolio. Here is the list! TickerNamePriceDividend YieldPayout RatioEx-Dvd Date RIGTransocean Ltd27.3510.9763.7911/12/2014 DODiamond Offshore Drilling Inc33.510.4588.692/12/2015 WINWindstream Holdings…
  • Time to Dump eBay ($EBAY)

    IS
    31 Oct 2014 | 3:19 am
    This morning, I’ll be closing one of my two remaining 2014 long & short tech stock picks. Why? At this point, I can no longer support holding eBay. Why? Valuing eBay as a Bank? For years, I’ve been saying that I value eBay as a bank. Why? Mostly because I’m not a big believer in its “online auctions/store” business. There is very little growth left: Really, the growth is in its payments business: That left a lot of “unlocked value”. But when eBay finally confirmed it was going to spin out Paypal, the stock reacted: I’d argue that while not…
  • Should I Short The Nasdaq($QQQ) ?

    IS
    27 Oct 2014 | 2:00 am
    As an investor, I believe in a few basic principles that guide my overall strategy. Most of my investments are concentrated into 2 key elements: -My diversified, passive investing ETF portfolio -My Ultimate Sustainable dividend portfolio Both of those are highly diversified and I can sleep without any problems even if we do see another big market crash. Another sector of my investments that is starting to worry me a bit more however is my technology stock investments. I’m not as worried about my long & short tech stock picks because they are “long & short” and thus…
  • Closing 3 Trades

    IS
    24 Oct 2014 | 3:22 am
    My long & short trades are generally a lot more volatile than my other trading portfolios which is why despite their strong performance, I will continue to put a limited amount of cash into that account. However, given the performance of the strategy over the past 5 years, it’d certainly be tempting to put more into it in 2015. I guess I’ll discuss that when I publish my post about the lessons that I take from my 2014 trading. Today, I will be closing 3 of the 5 remaining long & short tech stock trades: Long Apple (AAPL) & Short Yelp (YELP): +44,05% – Yelp is a…
  • Ultimate Sustainable Dividend Portfolio – October 2014 Update – Tough Market

    IS
    17 Oct 2014 | 2:00 am
    As many of you know the Ultimate Sustainable dividend portfolio was built over a year ago as an attempt to slowly become financially free. It is the most important part of my passive income plan and in weeks like the past 2 ones where we start to see panic in the financial markets, it’s a good process for me to go back and see how the portfolio is doing. As is always the case, you can get extra information in my newsletter, it’s free to sign up for here: Without further wait, let’s get started. Here are the portfolio holdings as of last night: TickerNameSharesOct 16 2014…
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    Don't Quit Your Day Job...

  • Can You Trust Your Favorite Financial Writer?

    PK
    24 Nov 2014 | 5:16 am
    Recently, Yahoo Finance covered an inspiring story about a 27 year old financial blogger who had already eclipsed one million dollars in net worth.  That blogger gave all the right advice – invest early, sacrifice in the present, live below your means, and (if you can) reach for those high headline numbers of savings rates – 50, 60, or 70%. Of course, there were a few alleged problems with the backstory – a bit of a problem with “the truth”, and more problems with “the whole truth”.  The major revelation from the Yahoo correction?  “75%-80%…
  • Net Worth in the United States: Zooming in on the Top Centiles

    PK
    20 Nov 2014 | 4:50 am
    Ever since the 2013 Survey of Consumer Finances was released (in September of 2014), we’ve been looking forward to zooming in a bit closer to the numbers in their (much appreciated) release of microdata.  Once we wrapped our head around how they have 5 imputations to turn 6,026 data points into 31,130, then further remove 11 ultra high (read: Forbes list high) net worths due to identity issues, we were able to wade into the shallow end with a basic breakdown of American Wealth. Here’s a quick look at our estimates for 2013 Net Worths at selected Net Worth centiles – first…
  • How Early Could You Have Called an Overbought Stock Market?

    PK
    17 Nov 2014 | 5:00 am
    Although the passive portion of my portfolio remains the same (with some accounts, such as the HSA and 529s still actively having investments added), I’ve been shuttling all my active accounts to cash since January (while keeping the stocks I do have in place).  Suboptimal?  Yes, and if I see an opportunity to get in on something with reasonable valuation, I’ll deploy a bunch of cash. Still, it left me thinking – obviously, I’ve left some gains on the table.  But let’s say you made a “too early” call in the past – how early could you have…
  • The DQYDJ Weekender, 11/15/2014

    PK
    15 Nov 2014 | 9:30 am
    Once again, I’m impressed by the number of new subscribers there are to welcome… so, welcome! You know what ‘they’ say, “it’s better to spend years searching for a good financial site than to spend years reading the wrong one.” …or something like that. Links We Liked! At Budgets are Sexy (where I didn’t activate a link last week), a nice piece on telling people exactly what you want, featuring our friend Anne from Unique Gifter and Money Propeller. Evan at M Journey to Millions discusses the concept of – or perhaps the myth of…
  • The 30 Year Mortgage and Housing Accessibility

    PK
    13 Nov 2014 | 4:12 am
    Last time in a real estate piece, we talked about the historical homeownership rate in the United States, since we were able to get data back to the 1890s. This time we’ll reach back just as far, but we’ll also discuss the mortgage status of homes. Even though we don’t have the resolution to discuss the actual mortgage “innovations” which may have helped or hindered the homeownership, we can still point to historical changes and see if those innovations at least possibly changed the trajectory. A Brief History of Mortgage Innovations This isn’t a term…
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    Quizzle Wire

  • Could crowdfunding help you pay for your dreams?

    Miranda Marquit
    26 Nov 2014 | 6:00 am
    Last year, I self-published a book about my experiences as a professional blogger. I’d published other books before, but never done it on my own, so I had never needed to come up with the costs myself. I wanted a professional project, and I knew it would cost money. I turned to Indiegogo to help me raise money and to, effectively, set up a system of pre-orders for my book. My campaign was a success; I met my goal and I was able to pay for the designers involved in formatting my book. I’m far from the only consumer out there looking to raise money for my goals. In fact, crowdfunding is…
  • What you should know about opening a joint account

    Miranda Marquit
    25 Nov 2014 | 6:00 am
    When you are in love, it seems as though you can’t wait to merge your finances and move forward with life together. Opening a joint account seems like a reasonable step to take with someone else. However, before you open a joint account with your significant other, you should consider the following: The other person has access A joint account is just that: joint. This means that the other person has equal access to the account. There is nothing to prevent your significant other from withdrawing large amounts of money and taking off. Before you open a joint account, you want to make sure you…
  • How to teach your kids about money when you don’t use cash

    Cathy
    24 Nov 2014 | 6:00 am
    These days, many of us hardly use any cash to pay for things. After all, credit and debit cards offer convenience, rewards, and various degrees of insurance and fraud protection. But how do you teach your kids about money when you don’t use cash on a regular basis? Here are some ways you can teach them valuable personal finance skills when you don’t use cash: Give them an allowance – There are pros and cons to giving your child an allowance, but one of the “pros” is that your child can learn some important real-life money management skills. Your child will learn…
  • 4 steps for preparing your finances for divorce

    Carrie Smith
    23 Nov 2014 | 6:00 am
    Getting divorced is tough enough, but it can feel even more overwhelming when you start dividing assets and talking about money. What’s the first step to take? How can you protect yourself? What can you do to plan for a better future? These are questions I asked myself while going through my divorce as 25 years old. Aside from the emotional stress of it all, you have to deal with money too. And that’s never easy. Here are 4 crucial financial steps to take in order to successfully prepare yourself for a divorce. Step 1: Get the Details Organized The first step towards preparing your…
  • Why Paying Off Debt is Not the End Goal

    Carrie Smith
    22 Nov 2014 | 6:00 am
    For many of us, being debt free is the end goal, the final step towards our journey of financial freedom. But we don’t give much thought to what life after debt will look like. When we imagine what our life will be like after paying off all your debts, it goes something like this; you’re hanging out on a beach somewhere, celebrating debt freedom, and able to buy anything you want. While this may come true some day, you’ll quickly learn (as I did) that reality is not quite as realistic as your dreams. Paying Off Debt is Just the First Step Setting a goal of being debt free, and…
 
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    Get Out of Debt Guy

  • My Student Loan Lender Wants to Take My House

    Steve Rhode
    26 Nov 2014 | 6:57 am
    No matter what your debt problem is, there is a solution. Click here for 3 things you can do right now to tackle your debt situation. “Dear Steve, I have a very old defaulted student loan that is being paid via an attachment to my tax returns annually. I just received a letter that I ... The post My Student Loan Lender Wants to Take My House appeared first on Get Out of Debt Guy.
  • Why Am I Not Getting My PayPal Master Card E-Statements From Synchrony Bank?

    Steve Rhode
    26 Nov 2014 | 6:51 am
    No matter what your debt problem is, there is a solution. Click here for 3 things you can do right now to tackle your debt situation. “Dear Steve, I have signed up for e-statements. The email account to which they were being sent was changed in October since I was not receiving the statement monthly ... The post Why Am I Not Getting My PayPal Master Card E-Statements From Synchrony Bank?...
  • Why Doesn’t My Student Loan Lender Apply My Extra Payments?

    Steve Rhode
    26 Nov 2014 | 6:44 am
    No matter what your debt problem is, there is a solution. Click here for 3 things you can do right now to tackle your debt situation. “Dear Steve, I have a question regarding paying extra on my student loans. I have three loans outstanding, with rates varying from 3.4% to 5.8%. I pay the minimum ... The post Why Doesn’t My Student Loan Lender Apply My Extra Payments? appeared first on...
  • I Have Unpaid Debts from the UK. What Can I Do?

    Jon Emge
    26 Nov 2014 | 6:14 am
    No matter what your debt problem is, there is a solution. Click here for 3 things you can do right now to tackle your debt situation. “Dear Jon, I have unpaid credit cards from banks, unpaid phone bills and I bought a laptop and a tablet on installment which I started to pay already. However ... The post I Have Unpaid Debts from the UK. What Can I Do? appeared first on Get Out of Debt Guy.
  • What I Learned as an Attorney From Discharging Student Loans in Bankruptcy

    Steve Rhode
    26 Nov 2014 | 6:08 am
    No matter what your debt problem is, there is a solution. Click here for 3 things you can do right now to tackle your debt situation. I asked attorney Lindsay Smith for some feedback to share with you about her experiences in representing consumers against student loan companies. 1) What did you learn from defending ... The post What I Learned as an Attorney From Discharging Student Loans in...
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    Creditshout

  • Great Gifts With Your Credit Card Rewards

    Christine Layton
    25 Nov 2014 | 5:00 am
    Want to give your loved ones gifts they’ll appreciate this year without paying cash? Why not put those credit card rewards to use!Holiday shoppers this year will spend $804.42 on average in 2014, up from $767 last year, according to the National Retail Federation. If you are looking for a way to reduce your holiday bills while taking advantage of all of those rewards you have saved up, this guide will help you maximize your rewards and help you get gifts for everyone on your list.So, what kind of gifts can you get with your card rewards? Here are some of our favorites.Important Note: If…
  • Starwood Preferred Guest Card Rewards Program Cheat Sheet

    Clay Wyatt
    13 Nov 2014 | 9:26 am
    CREDITSHOUT RATING: Very Good If you are a loyal member of the Starwood Preferred Guest program, your benefits will be better in 2015 than ever before.Two years ago, Starwood chose to focus on its most loyal customers who spend at least 50 nights in Starwood locations, offering enhanced benefits and rewards. Here is a look at what you can expect from the program and how to maximize your rewards.Enhanced Benefits for Gold and Platinum MembersAs a Starwood Preferred member, you will earn 2 Starpoints per $1 spent, while earning credit toward elite status on paid and Award stays and getting free…
  • Best Ways To Redeem Discover Cash Back in 2014

    Christine Layton
    13 Nov 2014 | 8:03 am
    CREDITSHOUT RATING: Excellent The Discover Cashback Bonus program (available to Discover it cardholders) is one of the most versatile rewards programs out there. Along with redeeming for cash, merchandise and gift cards, your rewards can go even further when you pay for online purchases with your Cashback bonus amount.Let’s take a look at your options and examine which actually makes your cash go the farthest when redeeming your rewards.1. Redeem for CashLike American Express and Capital One cards, you can always redeem your Cash Back Bonus for cold, hard cash. Discover gives you two…
  • Barclaycard Arrival Plus MasterCard Review

    Christine Layton
    13 Nov 2014 | 7:25 am
    CREDITSHOUT RATING: Excellent With frequent flyer programs becoming more restrictive lately, the biggest trend over the past two years has been general travel rewards cards that aren’t affiliated with a specific carrier.The Capital One Venture is one of the best-known examples of this, but Barclays joined the pack last year with their Arrival World Mastercard, which has now been rebranded as the Barclaycard Arrival Plus card. The name change comes with many upgrades to the program, many of which were asked for by the online travel community over the last year.New changes to the Arrival…
  • NFL Extra Points Credit Card Review

    Christine Layton
    13 Nov 2014 | 6:19 am
    CREDITSHOUT RATING: Very Good Are you a big football fan? If so, the NFL Extra Points credit card may be right up your alley. This card is designed for die-hard fans who want to show their love for a favorite team while earning unique NFL-related rewards and perks.You can redeem your points for everything from NFL tickets and exclusive experiences to merchandise, and enjoy no annual fee and 10,000 bonus points.Here’s what you need to know about the NFL Extra Points card in 2013.The Sign Up Bonus for 2015The NFL Extra Points card still has the same 10,000 point sign-up bonus as the last…
 
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    Credit Card Chaser

  • Ways to Save Money this Holiday Season

    Alice
    25 Nov 2014 | 4:16 pm
    Festive parties, twinkling lights, and gifts under the tree – the holiday season is a wonderful time of year. But between parties, decorations, and gifts for the whole family, it’s easy to spend much more than you planned and end up in debt at the start of the new year. If you’re looking for ways to avoid damaging your credit and your bank account, here are some tried and true methods for saving money during the holidays. Make the most of your finances by learning smart ways to celebrate. Create a Budget The first thing that most people do when they start thinking about…
  • What Are the Best Ways to Use Your Credit Card?

    Alice
    14 Nov 2014 | 6:08 pm
    If you have a credit card, you have an effective tool in your financial arsenal. While you may have heard horror stories about how credit card debt drove people to bankruptcy, that is not a common result. Responsible use of a credit card can actually help a person get great rates on loans or help an individual consolidate his or her credit card and other debts. Using Your Credit Card to Consolidate Outstanding Credit Card Debt A common method of debt consolidation is to put all eligible debts onto a credit card. To consolidate credit card debt, an individual can transfer all of his or her…
  • Top Mistakes People Make With Their Credit Cards

    Alice
    6 Nov 2014 | 10:38 am
    Credit cards can be beneficial in many ways to an individual’s finances. When used properly, they offer consumer protection on purchases, greater security than carrying cash, a financial cushion for emergencies and are inexpensive. However, there are many reasons that credit cards can hurt a consumer’s personal finances. Some of the uses of credit cards have their root cause in ignorance, while others are due to a lack of responsibility. The following are a few of the most common things people do with their credit cards that should be avoided. Saying your credit card number where others…
  • How to Avoid Getting Your Credit Card Declined

    Alice
    23 Oct 2014 | 10:56 am
    As most consumers have experienced at one time or another, an unexpected declined credit card can quickly side-line an enjoyable occasion and create an awkward or annoying situation. When a credit card is declined, at the very least, it will cause embarrassment and take up excessive time by having to run an alternative form of payment. As the universe would have it, a declined credit card transaction usually occurs during the most inconvenient time, and when it is needed most. With increasing credit card fraud, many card issuers continue to implement and improve internal policies that can…
  • Should You Use Cash For That?

    Alice
    10 Oct 2014 | 3:03 pm
    The decision between using cash or credit is not always an easy one, and there are definitely instances where cash is the better choice. Those small, day-to-day charges, for example, should be paid for with cash because constantly relying on plastic for these seemingly small purchases can lead to a large bill at the end of the month. Those who have trouble spending within their means may also want to use cash almost exclusively as this is the best way to stay out of debt. For those capable of responsible use of credit, however, there are multiple situations in which people should use credit…
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    Ready To Be Rich

  • Do You Want To Start a Business? Here’s Your First Real Step

    Fitz
    25 Nov 2014 | 12:01 pm
    Starting a business is one of the best things you can do in your life. It’s a challenging, but ultimately rewarding experience. And like a lot of difficult things, doing the first step is often the hardest part. In my step-by-step guide to starting a business, I’ve written that the first step is finding your […]Note:This is just a preview. Read the full article at Ready To Be Rich by clicking this link: Do You Want To Start a Business? Here’s Your First Real StepAttend a FREE Personal Finance SeminarLearn practical money management and investing strategies from the IMG…
  • Where To Find Employees and Freelancers For Your Business

    Fitz
    23 Nov 2014 | 3:32 pm
    An excellent product, a strong vision and a purposeful mission are not the only factors that make a profitable business. More often than not, a dynamic and innovative leadership coupled with a team of dedicated and hardworking individuals form the larger reason why a business becomes a huge success. Ask any entrepreneur what the most […]Note:This is just a preview. Read the full article at Ready To Be Rich by clicking this link: Where To Find Employees and Freelancers For Your BusinessAttend a FREE Personal Finance SeminarLearn practical money management and investing strategies from…
  • I’m Conducting a Webinar about Facebook Marketing

    Fitz
    22 Nov 2014 | 12:16 pm
    Based from the initial results of my latest survey, it’s apparent that almost 30% of you first heard of this blog through social networks such as Facebook. I know that this number will continuously rise because it’s only been around 3 years since Facebook really took off in the Philippines. Moreover, did you know that […]Note:This is just a preview. Read the full article at Ready To Be Rich by clicking this link: I’m Conducting a Webinar about Facebook MarketingAttend a FREE Personal Finance SeminarLearn practical money management and investing strategies from the IMG…
  • Blog Survey: Help Me, Help You

    Fitz
    20 Nov 2014 | 12:02 pm
    November is the month when I usually take the time to evaluate the year that was, and begin to plan for the year ahead. So that before the busy month of December comes, I am already starting to lay the foundation for my goals next year. In line with this, I’d like to now ask […]Note:This is just a preview. Read the full article at Ready To Be Rich by clicking this link: Blog Survey: Help Me, Help YouAttend a FREE Personal Finance SeminarLearn practical money management and investing strategies from the IMG Wealth Academy. Get more details here.
  • Overcoming Obstacles by Steven Claunch

    Fitz
    14 Nov 2014 | 11:11 am
    When faced with a bump in the road, sometimes we forget we have a choice: overcome the obstacle or let it overcome you. Steven Claunch, who was born without fingers on his right hand and with one leg shorter than the other and has excelled in basketball nonetheless, explains why obstacles can provide an opportunity […]Note:This is just a preview. Read the full article at Ready To Be Rich by clicking this link: Overcoming Obstacles by Steven ClaunchAttend a FREE Personal Finance SeminarLearn practical money management and investing strategies from the IMG Wealth Academy. Get more details…
 
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    Cash Flow Planning for Life

  • Do You Know the Business Deductions You Qualify For as an Independent Contractor?

    Mark
    26 Nov 2014 | 12:00 pm
    Home office business deductions is another area that has changed recently. The Internal Revenue Service has provided a $5 per square foot (max $1,500) standard deduction for individuals that qualify. This is the fifth installment of Independent Contractor Taxes…Know Your Options. It can be downloaded from our eBook library. The rules to qualify for a deduction have not changed and you should review your situation with a tax professional before taking any deduction as it relates to a home office. If you use your personal vehicle to travel to/from client(s) sites or run errands for business…
  • When You Are an Independent Contractor You Should Know Your Business Expenses

    Mark
    4 Nov 2014 | 12:00 pm
    Do you know your independent contractor business expenses? If not, see my eBook: 7 Things Every Small Business Owner Needs to Know for additional information on expenses. I will review below a few expense categories and taxes that I believe are common with self-employed individuals. This is the fourth installment of Independent Contractor Taxes…Know Your Options. It can be downloaded from our eBook library. Ordinary business expenses including rent for an office, utilities for said office, supplies and equipment needed to run the business are deductible 100% against income earned. I’m not…
  • Self Employment Form 1099 – Time to Contact a Tax and/or Legal Professional

    Mark
    15 Oct 2014 | 10:00 am
    The balance of this eBook is not intended to cover every situation. Once you determine that you are self-employed and will receive a Form 1099 for your services, I suggest you contact a tax and/or legal professional to guide you through your individual situation. This is the third installment of Independent Contractor Taxes…Know Your Options. It can be downloaded from our eBook library. Whether you’re a consultant, hair stylist, or painter, being self-employed is the same as starting any other business and you need to treat it accordingly. You may or may not have employees or a brick and…
  • Independent Contractors Need A Separate Business Bank Account

    Mark
    23 Sep 2014 | 8:45 am
    Are you concerned that you may be setting yourself up for a future problem when it comes to banking? It is a valid concern. This is the second installment of Independent Contractor Taxes…Know Your Options. It can be downloaded from our eBook library. Independent contractors need to set up separate bank accounts.  It is a must, be aware it will help you avoid depositing income earned and paying expenses out of your personal checking account. Two of the problems you may encounter are: 1) If you’re ever in a legal claim that bank account could be included in the case along with all those…
  • Determine Your Independent Contractor Status

    Mark
    3 Sep 2014 | 1:40 pm
    Need help determining your independent contractor status? First step is to review the rules set our by the Internal Revenue Service, see IRS.gov website. This is the first installment of Independent Contractor Taxes…Know Your Options. It can be downloaded from our eBook library. This is the third installment of 16 Year-End Tax Tips for 2013 which can also be downloaded from our eBook library. – See more at: http://www.cashflowplanningforlife.com/#sthash.0vrbp1KJ.dpuf The Internal Revenue service has boiled down the old 20 factor test to three categories: Behavioral Test –…
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    JoeTaxpayer

  • TurboTax 2014 Marketing Mistake

    Joe
    18 Nov 2014 | 5:00 am
    Remember New Coke? Remember Qwikster? My Spidey senses tell me that Intuit’s TurboTax product is about to have its own moment of marketing mishap. Now. As a tax nerd, I don’t put my TurboTax on the shelf after I file my return. I open it regularly to plan my year. Since one of my goals is to avoid paying more tax than I have to, I use it to plan my stock sales, Roth conversion, if any, and forecast my tax bill well in advance of April 15th. It’s been a ritual of mine to buy the new tax year software the weekend it’s out, usually the weekend after Thanksgiving. This…
  • 2015 Tax Rates Announced

    Joe
    5 Nov 2014 | 3:00 am
    The 2015 tax rates have just been announced by my friends at the IRS. If you’ve been reading this blog for a while, you know how taxes work, more or less. The tables aren’t the actual tax you pay on gross income, but on taxable income which is gross less a number of items, including the personal exemption which rises to $4,000 in ’15 and the standard deduction for single $6,300 or joint $12,600. I’ll be referring back to this article over the next year whenever the tax table is part of the conversation. Check out the new rate table and start planning for 2015. Single…
  • The Next Chapter of My Life by JoeTaxpayer

    Joe
    3 Nov 2014 | 3:00 am
    This post has been in the works for some time, nearly two years. Talk about a bit of writer’s block! Attending FinCon14 (The Financial Bloggers Conference) gave me a chance to share my story, and hear so many people encourage me to write and share it with my readers as well. Two years ago, shortly after my 50th birthday, my wife and I were both let go in a company layoff. 30 years, working for the same company, had come to an end. We both had our eye on our number and we had already agreed that she could retire as soon as she was ready to. The numbers all pointed to me taking a bit of…
  • 3 Tips for Righting Your Money Wrongs

    Joe
    31 Oct 2014 | 4:00 am
    Of all the potential problems life can serve up to us, money problems rank among the most stressful without a doubt. Ruminating about mounting debt, having trouble paying bills, knowing we are making bad choices can do quite a number on us mentally. If denial is no longer doing it for you, and you are ready to move towards a more ordered financial life, here are some helpful strategies to get you there. Do a Mental Purge One of the reasons we let our money troubles get so out of hand is our tendency to push our troubles out of our minds and go into denial mode. Obviously on some level, we are…
  • 2015 Retirement Plan Limits

    Joe
    26 Oct 2014 | 4:00 am
    This year has flown by and as we approach year end, the IRS shares the numbers that will impact your 2015 retirement savings limits. 2013 inflation was low enough that we saw no increase in ’14. 2015, however, sees a bit of a bump, so let me share these numbers. Employee contributions to 401(k), 403(b), most 457 plans, and the federal government’s Thrift Savings Plan is increased from $17,500 to $18,000. The cath-up provision, for those 55 and older in 2015 is also increased a bit, to $6,000. The IRA limit is unchanged at $5,500 with a $1,000 catch-up for 50 and older. The…
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    Simplified Saving

  • Best Buy Black Friday Deals with Amazon Price Comparisons

    Lisa Thompson
    26 Nov 2014 | 8:24 pm
    Best Buy has some sweet Black Friday Deals!  If you’re thinking about heading to Best Buy for your Black Friday shopping, I highly recommend checking out these Amazon reviews and comparing prices before heading out.  Some of the prices on Amazon are even lower than the Best Buy Black Friday Prices.  Happy shopping!!! Phones, Tablets and Computers 1. Apple 21.5″ iMac with Intel Core i5, 8GB Ram, 500GB Hard Drive — $899.99 –> Check Reviews and Compare Prices on Amazon 2. Apple 27″ iMac 8GB Ram, 1TB Hard Drive — $1649.99 –> Check Reviews and Compare…
  • Holiday Traditions with Hickory Farms

    Lisa Thompson
    24 Nov 2014 | 6:47 pm
    I love Christmas…actually I love the whole holiday season!  I start getting excited about Christmas in mid-October and the excitement continues til well after the New Year has begun.  I think that much of my love for the holidays stems from the memories I have of the holidays while growing up!  Holidays have always been a big deal in our family!  Just look at us all decked out in our Christmas finery for the picture above!  We’re seriously cool!!! My dad is the youngest of 6 and we grew up within driving distance of his family.  Our holiday get togethers were always…
  • Double Your Savings By Purchasing Gift Cards at Kroger #Kr2xdip

    Lisa Thompson
    24 Nov 2014 | 10:17 am
    The following post is a sponsored post. As always, all thoughts and opinions are my own! The weather in my neck of the woods has been crazy lately!  Today we have a wind advisory with winds up to 50 mph. With all the crazy weather around here, I’ve been limiting my shopping!  Rather than hitting a bunch of different stores to pick up a bunch of different items, I’ve decided to simplify the process…and save money while doing it! I’m planning on heading to Kroger to do my grocery shopping.  While I’m fortunate in that I don’t have to make anything for…
  • Black Friday Comparison Chart: Compare ALL the Black Friday Deals in One Place

    Lisa Thompson
    24 Nov 2014 | 9:17 am
    If you’re looking to do some serious shopping on Black Friday, this list has you covered! It compares Black Friday prices on the items you want, so you know the best store to purchase it from!  
  • Restaurant Coupon Roundup {11/21/2014}

    Lisa Thompson
    21 Nov 2014 | 8:59 pm
    Eating out sure can get expensive, so I’m always on the lookout for deals to make it more affordable.  Below I’ve included the top printable restaurant coupons for this week! Au Bon Pain – $1 Off $5 Purchase (exp: 12/1/2014) Black Angus Steakhouse – $17.99 Top Sirloin Steak, Lobster & Shrimp Meal (exp: 12/15/2014) Bob Evans – Buy 1 Breakfast Entree Get 1 Free When You Buy 2 Drinks (exp: 11/29/2014) Daphnes Greek Cafe – Buy 1 Get 1 50% Off Entree (exp: 11/30/2014) Extreme Pita – Free Bag of Pita Crisps When You Buy a Pita & Beverage (exp:…
 
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    Personal Dividends

  • How to Buy a Good Car at a Great Price

    Tom Drake
    25 Nov 2014 | 5:00 am
    If you are in the market for a new car, there’s a trap that is waiting for you. It’s a swindle that has been refined over years and has made the automobile industry very profitable. Here’s how it works. First, you get pre-approved by a lending company for a car loan. Then you get your current car priced and traded-in. You go on a delightful shopping spree, intoxicated by the new car smell, thrilled by the test-drive, and reassured by the practiced car salesmen sitting next to you that you’re on your way up in the world. You might also discover price promises from Dealership…
  • Want a Little Tax-Advantaged Investment Boost? Try the HSA

    Miranda Marquit
    18 Nov 2014 | 5:00 am
    One of my favorite accounts is the Health Savings Account (HSA). The HSA is a tax-advantaged savings account that provides you with a tax deduction now, and, if you only use the money for qualified expenses, grows tax-free to boot. It’s an account that allows you to save money completely tax-free — as long as you qualify for the account and follow the rules. What is a Health Savings Account? The HSA is an account meant to help you pay for costs related to health care. You put money in the account before taxes, and it grows. However, in order to put money in the account, you need…
  • How to Choose a Business Organization

    Miranda Marquit
    4 Nov 2014 | 5:00 am
    When you decide to head off on your own, starting your own business, it makes sense to carefully consider how you will structure your business. Figuring out how to manage as your own boss means that you need to have a solid idea of which business organization is best for you. Here are some things to consider: Paperwork The first thing you need to realize is that you will need to have some idea of how to handle the paperwork associated with your business. Different structures come with different paperwork requirements. If you decide to stick with a sole proprietor organization, there is no…
  • IRS Announces Retirement-Related Changes for 2015

    Miranda Marquit
    28 Oct 2014 | 5:00 am
    Every October, the IRS takes a look at the Consumer Price Index for the 12 months from September to September and determines what changes should be made in terms of cost of living increases for Social Security, as well as the rules for contributions to tax-advantaged retirement plans. Social Security Cost-of-Living Increase This year, the IRS has announced a 1.7 percent cost-of-living increase for Social Security. The news means that seniors will receive a little bit more money in their social security benefits checks each month. However, this increase might not be all that helpful to some…
  • Can You Really Make Money Following Your Passion?

    Miranda Marquit
    21 Oct 2014 | 5:00 am
    Often, we hear that you should follow your passion. As long as you are doing what you love, and you put in the work, you will succeed financially. You’ll never feel like you are working, and you’ll have material success as well as the warm fuzzies that come with doing what you love. Unfortunately, this isn’t always the case. Just because you follow your passion, it doesn’t mean that you will be an automatic success. Here are some things to think about before you throw over your career to follow your passion: Are You Cut Out to be an Entrepreneur? Often,…
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    Benzinga Feeds

  • GoPro Shares Could Give Bulls A Nice Present For The Holidays

    James Mecir
    26 Nov 2014 | 11:59 am
    GoPro Inc (NASDAQ: GPRO) shares are the darling of the risk junkies and the plaything of many day traders. Can the company's cool niche market create enough fundamental fire power to boost the stock through several layers of technical resistance that exist right now? Let's take a look.
  • Potential Play In Lululemon Following Breakout?

    Gavin McMaster - Options Trading IQ
    26 Nov 2014 | 11:07 am
    As stocks continue to push high and higher into the stratosphere, there are fewer and fewer stocks that present high value risk / reward setups on the long side.
  • Goldman Shows Revenue Growth & Cost Control; Should You Hold?

    Zacks
    26 Nov 2014 | 10:21 am
    On Nov 19, 2014, we issued an updated research report on The Goldman Sachs Group, Inc. (NYSE: GS). Shares of this New York-based investment manager have recorded a year-to-date return of 7.8%. Further, Goldman has outpaced the Zacks Consensus Estimate in the last four quarters, with an average beat of 25.95%.
  • General Growth Properties Hits 52-Week High: Is It A Buy?

    Zacks
    26 Nov 2014 | 10:20 am
    Shares of General Growth Properties Inc. (NYSE: GGP) scaled a new 52-week high of $26.67 on Nov 25. The stock closed at $26.59, reflecting a solid year-to-date return of 35.3%. The trading volume for the session was over 4.5 million shares.
  • Turkcell Looking Up This Thanksgiving, Should You Invest?

    Zacks
    26 Nov 2014 | 10:19 am
    With Thanksgiving just around the corner, the demand for turkey dishes is on the rise. Americans consume about 20% of the annual turkey meat produced in the country on this particular day alone. As retailers and restaurants coming up with attractive discounts, the average price of a 16-pound turkey has fallen by 11 cents.
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    Money Watch

  • Black Friday iTunes Discount

    Rob Lewis
    24 Nov 2014 | 2:28 pm
    Black Friday shopping, on the Friday after Thanksgiving, and seen as the beginning of Christmas shopping season, has begun to leak over from the US, and this year we’re starting to see a growth in Black Friday discounts here in the UK. This year, one such deal is Apple are offering a rare discount on iTunes gift cards. From Black Friday (28th November) to “Cyber Monday” (the Monday after Black Friday, 1st December), Apple are offering a 20% discount on iTunes cards of £25 and over via the new digital gift card service,GiftCloud. So if you’re struggling for presents…
  • iZettle Continues Expansion: Now Available In The Netherlands

    Rob Lewis
    20 Nov 2014 | 2:08 pm
    iZettle, which claims to be “Europe’s number one mobile payments provider” has extended its European expansion to the Netherlands. To celebrate the launch, the first 5,000 entrepreneurs and small businesses that sign up for the iZettle service there will receive one of its mini card readers free of charge. “A lot of people prefer to pay by card these days,” says Samy, who sells issues a week of the popular Amsterdam street newspaper Z! Samy, who buys Z! from the publisher for €1.10 and sells it on the street for €2, was one of the Dutch entrepreneurs and small businesses…
  • Paranoid Spenders: 43% of Britons Check Online Banking Twice a Day

    Rob Lewis
    19 Nov 2014 | 2:42 pm
    New research by a money saving website has revealed that over two in five Britons check their online banking and banking apps at least twice a day. Almost half of these revealed that they did so to ‘watch out for fraud,’ whilst three quarters (76%) felt they needed to ‘regularly track spending’. A discount website in the UK has carried out research to investigate the finances of Britons and how aware they are of their bank balances. The research revealed that over two in five adults check their finances at least twice a day. Furthermore, the survey revealed that more than two thirds…
  • Oyster Card Users: Are You A Victim Of “Card Clash”?

    Rob Lewis
    11 Nov 2014 | 2:37 pm
    Public transport in London has been pretty advanced when it comes to the use of contactless payments, but a problem has been uncovered whereby Oyster Card users could find themselves double charged, all thanks to the simplicity of the payment. Since the launch of contactless payments in September, travellers who have both an Oyster card and a contactless payment card in the same wallet may have found that their contactless card makes the payment when the Oyster card should have done so. Transport for London (TfL) have automatically repaid around £300,000 to about 50,000 travellers for these…
  • Mastercard To Launch Thumbprint-Reading Bank Card

    Rob Lewis
    19 Oct 2014 | 3:57 pm
    Mastercard has announced that it is bringing a thumbprint-reading card to the UK, which it hopes will improve card security and do away with PINs. The card has been developed in conjunction with a Norwegian firm, Zwipe, and lets cardholders pay for goods and services in store once it has verified their print. A copy of the thumbprint is stored on the card, rather than on Mastercard’s servers. In action, the system seems pretty slick, provided that it works reliably: However, I can’t help feeling that by the time this starts to be issued to users (Mastercard is suggesting it will…
 
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    Yes, I Am Cheap

  • Finance 101: Understanding Your Flexible Savings Account (FSA)

    Sandy Smith
    9 Nov 2014 | 10:12 pm
    Hey there! If you’re following along this is part three in my Finance 101 series. If you’re still employed and your employer hasn’t dropped your healthcare program then your open enrollment period is about to begin. There is where you get to change your healthcare options. If your company offers a flexible savings account or an FSA this is also the time for you to select how much money you would like to contribute to that account for the next year. Last year I realized that many people didn’t understand how the whole flexible spending account thing worked and how it…
  • Top 5 Reasons Why Baby Boomers Are Screwed

    Sandy Smith
    27 Oct 2014 | 10:54 am
    At 56 my mom is smack dab in the middle of the Baby Boomer generation.  For some reason, she still thinks that she’s pretty young and hip.  Her new obsession has become the weekly sales at Macy’s. I’ve tried hard to tell her that she’s getting old and needs to begin preparing for retirement, but, she somehow thinks that 50 is the new 40.  Instead my mom is busy updating her look from somewhere near 1984 into 2001. I know that at some point reality with hit her like a brick wall, because Baby Boomers, things aren’t going to be as simple as you thought it would be.  In…
  • 6 Months Unemployed + 9 Month Temp Job = $50,000+ Debt Slayed In Less Than 2 Years

    Sandy Smith
    23 Oct 2014 | 12:35 pm
    Get a comfy chair.  You’re going to be here for a while. Pressed for time? Just get a secret link to download this entire thing plus four additional pages of information when you subscribe. You can read at your leisure. Yesterday after paying down one bill I crunched the numbers and realized that since January 2013 I have reduced my total debt by $50,724.79.  I felt as if I had just finished running the New York City Marathon and had shoved the previous winner right out of a guaranteed podium spot.  I won. I could have kept it all to myself and silently celebrated my little…
  • October 1 Debt Check

    Sandy Smith
    20 Oct 2014 | 10:18 am
    I’m struggling. Financially, no.  I’m struggling with the direction of this blog both from a perspective of where it is and where I want it to go.  Every month for the past five plus years I have filled you in on how I was doing financially.  For the past two months I have not done so because I’m beginning to become to struggle with what the “right” amount of information is to share. It’s not that I have a problem with the process that I am going through of getting my finances to a comfortable place.  What I struggle with is maintaining some level of privacy in the age of the…
  • Thriving on Thrifting!

    Guest Blogger
    1 Oct 2014 | 7:23 am
    The following is a guest post from Crystal Stemberger over at Budgeting in the Fun Stuff.  Her daily posts cover her expenses, savings, and what she spends on the fun stuff in between. If you are a reader here, I assume you appreciate “cheap”…at least once in a while.  I am a HUGE believer that we can all afford anything, we just can’t afford everything.  Along those lines, I prioritize and spend more where it matters most for me (our physical home and travel) and less on pretty much everything else.  Thrift Shops for the Win Since clothing has never been a major habit of mine…
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    Money Reasons

  • Cheap Workout Sunday Report 8

    Money Reasons
    23 Nov 2014 | 9:28 pm
    I actually felt good today!  No major joint or muscle pains!This week I wasn’t looking forwards to working out so I started it later in the day than I would have liked to.  I’m not entirely sure if I want to continue this next year, but I definitely want to continue it until the end of this year.I’m still very weak compared to my old number, for instance, at one time I could do 275 lbs bench for 10 reps.  I’m very far from anything even close to that currently.  Shoot at this point in my life I don’t even know if I want to be that strong…Bench:45 lbs…
  • Cheap Workout Sunday Report 7

    Money Reasons
    16 Nov 2014 | 3:56 pm
    I’m back on my Sunday schedule.  Actually I skipped working out in the middle of the week so I was pretty fresh today!While I’m not a big football fan, I have followed my local area team to use it as motivation.  Sometimes watching your team win energizes you, must like a movie or an upbeat song does.  Unfortunately, my team lost today so I was in a crummy mood.  It was a hard workout session just because I was disappointed in my local NFL team’s performance.Bench:45 lbs –   the bar was really light like it should be.135 lbs – 8 reps warmup, but really it was kind…
  • Cheap Workout Sunday Report 6

    Money Reasons
    10 Nov 2014 | 6:05 pm
    This was a weird session today!  I felt tired and did everything wrong before lifting.  I ate some food, laid down and watched TV before lifting, falling to sleep in the process…  I woke up groggy and dreaded working out even.  Starting, I even thought to my self that my heaviest bench press was going to be 205 for 4 reps.Starting out, 135 felt heavier than I thought it should have felt, so again it re-enforced my believe that today was going to suck.  I was very surprised when I tried 205 lbs and got three more reps than I got the last time.  So much for taking it easy this…
  • Cheap Workout Sunday Report 5

    Money Reasons
    3 Nov 2014 | 5:10 pm
    Okay, I slipped again to Monday instead of Sunday as I normally would.  I was feeling various aches and pains in my pecs and shoulders, so I decided to give my body extra time to recover.  Currently, I’m doing all major body muscles on the same days and it’s taking it’s toll on my body.  Eventually, I’ll break it up doing pecs and legs on one day, then curls, back  on the other day.Again I decided to keep it quick and heavy, below is what I did on this fine Monday…45 lbs –   the bar for 8 reps (felt okay today, no clicks).135 lbs – 8 reps warmup, felt…
  • Small Business Info Series – Credit Card Readers – How to find the right one

    Money Reasons
    29 Oct 2014 | 10:19 am
    I’ve tried a few businesses on for size, but I never owned a business that required a Credit Card Reader!As I child, I remember that while my grandparents owned a small retail store, they used the old swipe and make a carbon copy type of credit card reader.  Wanting to consider all aspects of business, I am excited to present the following information on Credit Card Readers!Credit Card Readers – How to Find the Right OneWhen you have a business in which you accept credit cards for payment, one of the things that you need to do is to choose the right credit card reader for your…
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    Financial Woman

  • The Financial Freedom Magical Place

    Camille Gaines
    13 Nov 2014 | 12:08 pm
    My dad changed the oil in my Volkswagon bug for me as a teen. He used to say that most people could do or fix pretty much anything that they wanted; the problem was not focusing on it and then taking the time to do it. Dad was a smart man. Like many things he taught me, this truth applies to a lot of aspects of life. Today this paradigm is more real than ever with almost anything we want virtually at our fingertips; there are millions of bright shiny objects to distract us from our focus at any given moment. And when it comes to your money, have you ever noticed that it can be gone before you…
  • 3 Smart Reasons to Invest in the Stock Market

    Camille Gaines
    10 Nov 2014 | 8:35 am
    Here’s some pretty compelling data about why to invest in the stock market for building your wealth account, thanks to trusted Morningstar Investment Research: During only 12 of the 5 year periods from 1930 to 2013, large company stocks had negative average annual returns. But in 72 of those periods they had positive returns. You’ll want to read this Investor’s Business Daily article here. Financial Woman Insights on this article: 1. The 3 compelling reasons to invest in the stock market in this article are excellent ones! 2. Buying on sale is almost always smart! Always first see…
  • CNN Money Reveals Insights On Men Vs. Women Entrepreneur Study

    Camille Gaines
    6 Nov 2014 | 7:38 am
    Confession: I was a bit surprised about this article on women vs men entrepreneurs from CNN Money. The article revealed findings from a study done by BNP Paribas and consultancy firm Scorpio Partnership on more than 2,500 affluent entrepreneurs worldwide. Click here to read it.   Financial Woman Insight: Increasing income is the best way to build wealth. While investing smartly builds wealth over time, the reality is that long term investing earning 7% a year in your investment account is just not going to create a windfall. That’s why focusing on increasing income in addition to…
  • This Wealth Planning Step Could Save You Over $100,000…Seriously

    Camille Gaines
    5 Nov 2014 | 7:38 am
    Here’s a super simple action you can take that could save you tens or hundreds of thousands dollars in taxes… Drum roll please…. Check family members IRA beneficiaries and options, and make sure you are making the best choice. This isn’t some risky scheme or illegal tax move…it’s just smart wealth planning! It’s giving your money attention. If the thought of tax planning makes your skin crawl, you can always hire a financial planner or CPA by the hour if you don’t work one regularly to advise you on this very basic wealth planning strategy. Then…
  • 12 Rich Lifestyle Weekend Habits

    Camille Gaines
    4 Nov 2014 | 5:16 am
    This morning as I sat down to read my favorite daily financial newspaper, I ended up down a rabbit hole chasing this article about weekend lifestyle habits. (Anyone else find it hard to NOT see what Richard Branson suggests?) It was well worth the brief distraction so I’m sharing it here… Even these super successful leaders know that success is about way more than money. These article is packed with short but inspiring tips for life balance, health and time management . While they’re not really about money, but they are all about creating a rich lifestyle! What’s your…
 
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    Planting Dollars

  • Commercial HVAC Systems: Why Preventative Maintenance Contracts Are Worth the Investment

    Ryan
    25 Nov 2014 | 3:16 pm
    As a business owner, it is your responsibility to provide a safe, comfortable, and decent environment for employees and customers. Part of providing such an environment requires fully functional and operational facilities. One area of concern for most business owners is their HVAC systems. As the heating, cooling, and ventilation systems are responsible for providing comfort while indoors, it often requires routine maintenance, repairs, and replacements. Ensuring that your HVAC systems are running efficiently at all times is not something that should be taken lightly. Imagine the outcome of…
  • Advice for Getting Out of Debt and Rebuilding Your Credit

    Ryan
    24 Nov 2014 | 9:49 am
    Consumer debt can slowly take over your life. After evaluating how much you owe on credit cards, personal loans, auto loans and other bills, you might scratch your head and wonder how you’ll keep your finances on track. Getting into debt is certainly easier than paying off high balances. If your debt gets out of hand, you might fall behind and creditors may start calling your home or work. This can be embarrassing and frustrating, but you do have options. Here’s a rundown of some of the best ways to get out of debt and rebuild your credit: 1. Stop Impulse Shopping If you’re looking…
  • 11 Ways to Save Your Small Business Money

    Ryan
    25 Jan 2013 | 6:04 am
    Small businesses are always looking for ways to save money. Especially when just launching a small business needs every dollar they can get. Here are a few tips and ideas as to how you can lower your expenses and keep more money in your small business’ pockets. Sharing Space – If the business is just you, and you only need an office space, consider a shared work environment. This not only will save you money, but will make you leave your house and enter a productive work environment. Reduce Lighting Costs – Install higher efficiency light bulbs and motion detectors to use less…
  • Check Out This Free Excel Budget Sheet

    Ryan
    26 Nov 2012 | 8:35 pm
    Looking for a free budget sheet run with excel or open office calc? There are plenty online, but one of the most complex, and thorough budget sheets I’ve found as of late is over at No More Harvard Debt. If you haven’t already been to the website, Joe, a recent Harvard grad paid off about $90,000 in student debt in well under a year and used an excel spreadsheet along the way to track his progress. He offers the spreadsheet for free as a resource on his website. The excel sheet is very in depth, which I like because it covers things like: Each expense line by line. The percentage…
  • November 2012 Bartending Income Report

    Ryan
    25 Nov 2012 | 7:23 am
    Well November was more of the same, but the hourly was up a tad. Much like October, November continued the slow season at the bar with very few shifts, but a nice little boost from Thanksgiving weekend. With holiday parties coming up it’s expected to be a bit busier in December, but we’ll see. November brought in a little over $500, which is about half of my goal of $1,000 a month bartending. Head back to my bartending income tracker for more reports and bartending info.
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    Smart Balance Transfers

  • Rewards Pro – Booking Awards With US Airways

    Jason Steele
    26 Nov 2014 | 4:00 am
    US Airways Dividend miles program has a major disadvantage, or benefit, depending on how you look at it. There web site is incapable of showing awards on flights operated by its partners. This means that the only way that you can use their Dividend Miles, other than on US Airways flights, is by calling in […]
  • Rewards Pro: Choosing A Card For International Travel

    Jason Steele
    24 Nov 2014 | 4:00 am
    When earning credit card rewards, my goal is always to take a big trip. So when the time comes to hit the road, which cards end up in my wallet? Ironically, it might not be the cards I used to earn the rewards I needed to book the trip. My cards for domestic use At […]
  • The Carnival MasterCard Now Offers 15 Months Of Intro Financing

    Jason Steele
    21 Nov 2014 | 4:00 am
    Credit card users love to earn rewards for their spending, and many cardholders can also benefit from a card with a strong promotional financing offer. The from Barclaysbank offers rewards towards cruises as well as a competitive promotional financing offer. New cardholders can earn 5,000 bonus points when they use their card the first time. Cardholders […]
  • Citi Double Cash Versus ThankYou Preferred

    Jason Steele
    19 Nov 2014 | 4:00 am
    Citi has a very strong line of reward credit cards. They offer some cards that earn rewards in Citi’s ThankYou program while others earn cash back. Let’s see how Citi’s new Double Cash card compares to the entry level Citi ThankYou Preferred. This card offers customers 2% cash back on all purchases. 1% is credited […]
  • Activate Your Q4 2014 Quarterly Bonuses Now

    Jason Steele
    17 Nov 2014 | 4:00 am
    Those who hold the , , or the Citi Dividend Platinum Select receive 5% cash back on select purchases from categories of merchants that change each quarter. Now that the fourth quarter of 2014 has arrived, cardholders should immediately activate their bonus categories. Freedom’s bonus categories for Q4 2014 include all purchases from Amazon.com, Zappols.com, […]
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    Credit.com

  • Can You Actually Haggle on Holiday Gifts?

    Christine DiGangi
    26 Nov 2014 | 9:01 pm
    With all the spending people do during the holidays, it’s a huge priority for some people to save as much money as humanly possible. That’s part of the reason behind the popular Black Friday and Cyber Monday events, not to mention the slew of early bird sales and relentless ads consumers encounter this time of year. Battling Black Friday crowds and chasing sales aren’t the only ways to save money on holiday gifts. You may want to consider negotiating for the prices you want, rather than running around town to find them. We asked some experienced negotiators to share their…
  • The 5 Worst Credit Card Mistakes You Can Make

    Jason Steele
    26 Nov 2014 | 9:01 pm
    Like any powerful tool, credit cards can be useful or harmful, depending on how they are used. Used wisely, credit cards offer a secure and convenient method of payment along with impressive benefits and valuable rewards. Yet when cardholders make mistakes, it can lead to costly fees, interest charges, debt and ruined credit. So keeping that in mind, here are the five worst credit card mistakes that you can make. 1. Paying Late If you think about it, cardholders receive an amazing deal. They can buy what they want now and pay for it later — borrowing money at an interest rate of 0% by…
  • How Much Will Your Holiday Debt Really Cost You?

    Christine DiGangi
    26 Nov 2014 | 9:01 pm
    Last year, the average holiday shopper spent $407 between Thanksgiving Day and Sunday, according to the National Retail Federation, but that’s sometimes just the beginning of end-of-year spending sprees. Let’s start with a simple scenario of how much this could really cost: You only spent that $407 and finished your holiday shopping during the Thanksgiving weekend, and you put all your purchases on a credit card. You have a few options: Pay the balance in full when it comes due, make minimum payments or choose another amount to pay each month, until the bill is satisfied. That…
  • 3 Insider Tips for Getting the Best Airfare Deal

    Gerri Detweiler
    26 Nov 2014 | 9:01 pm
    If you love to travel but have a limited budget, one way to fly for cheap is to cash in the miles or points you get from a rewards credit card. But if you haven’t earned enough rewards to take the trip you want, there is another option: Find cheap airfares. Despite all the information available to consumers online, however, finding bargains can be time-consuming and confusing. Steffan Ileman, who for many years ran a travel agency and airline consolidation (airline ticket wholesale) business, has written a book, What the Airlines Don’t Tell You, designed to share what he learned. Some…
  • How to Budget for Student Loan Payments

    AJ Smith
    25 Nov 2014 | 9:01 pm
    The annual cost of college education has risen by 130% in the past 20 years, according to the College Board, so it’s no surprise so many of us have student loan debt. Finding out if you can afford your student loan payments is an important preliminary step, but making the payments happen can prove even more challenging. These tips can help ensure you make your payments without sacrificing the other expenses in your life. 1. Explore Your Options Look into student loan repayment options that suit your lifestyle. In standard repayment, you have a set amount you pay monthly over a period…
 
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    The Allstate Blog

  • Top Tips for Driving and Parking on Black Friday

    Cristel Mohrman
    24 Nov 2014 | 5:00 am
    While Black Friday shopping may bring the most extreme deals, the traffic and parking situations can be a nightmare. Parking spaces are limited, people always seem to be in a rush to get to the next stop and distractions are aplenty. But with a little planning and smart thinking, you may be able to prevent unnecessary added stress. When you head out to tackle your holiday shopping this year, remember these Black Friday traffic and parking tips. Plan Your Route Before You Go Checking out the sales ads and figuring out where you need to go before leaving your house can keep your day moving…
  • QUIZ: Are You An All-Weather Driver?

    Kris
    21 Nov 2014 | 3:00 am
    Whether it’s snowing, hailing, raining, or tornadoing (is that even a word?), you have to know how to steer your way out of severe weather. Because Mom is the CEO (Chief Emergency Officer) of her family, she needs to act quickly and make the right decisions. Do you have what it takes to make the right decision in a bad situation? Take our 10-question ‘All-Weather Driver’ quiz to find out how you would perform in an emergency driving situation. Javascript is disabled Javascript is disabled on your browser. Please enable it in order to use this form. Loading All-Weather Driver…
  • Fun Thanksgiving Activities the Whole Family Can Enjoy

    Nicole Markle
    20 Nov 2014 | 7:37 am
    When families and friends get together on Thanksgiving, it can often be an all-day and even weekend-long affair. And why not? For some, it may be one of the few times of the year the whole family gets together for a meal. But the big turkey dinner is only a small part of the holiday. Oftentimes people get together earlier while the meal is still cooking and stay later while their food is settling. And if you have out-of-towners come in, they may stay the whole weekend. So what do you do in all of those extra hours to get the most out of that special family time? Entertain with Crafts and…
  • Cats, Dogs and Thanksgiving: How to Keep Pets Calm This Season

    Nicole Markle
    20 Nov 2014 | 4:01 am
    Your pets are part of your family, and you probably want them to be there during your Thanksgiving celebration. But what if your cat or dog isn’t used to having a lot of people around? According to the Partnership for Animal Welfare (PAW), dogs and cats can get anxious or stressed over big crowds and extra noise invading their comfort zone. With a little bit of preparation, you can help put your furry friends at ease and bring out their best pet behavior this Thanksgiving. It Starts With Training Before introducing your dog to guests, PAW suggests making sure your pet knows the basic sit…
  • Small Space, Big Spirit: How to Decorate Your Apartment for the Holidays

    Cristel Mohrman
    19 Nov 2014 | 5:00 am
    Living in a small apartment or condo doesn’t mean you have to skimp on the holiday spirit. No room for a 7-foot tree in your living room or no dining room table on which to display a menorah? While you may not have a roof you can trim with holiday lights and it may not be possible to fit a large tree inside your home, there are still ways to decorate a small space. Here are a few ideas for adding seasonal touches to your home, whether you’re hosting the holidays or you just want to decorate your apartment your own enjoyment. Go for the Mini Tree For some, a towering tree with all the…
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    Centsible Life

  • Mabel’s Labels Stocking Stuffer Deals

    Kelly
    26 Nov 2014 | 9:00 am
    Disclosure: This post contains affiliate links, and I will be compensated if you make a purchase after clicking on my links. Over the next several weeks I’ll be sharing holiday gift picks on a budget. You’ll find everything you need for a centsible holiday. Start with our Ultimate Holiday Planning Guide and explore our Holiday Gift Guide postsfor tons of ideas for everyone on your list. From now until 12/30, Mabel’s Labels is offering their limited edition Stocking Stuffer Combos and Holiday Return Address Labels! Stocking Stuffer Combos  These sweet little combos are…
  • Minted Holiday Cards

    Kelly
    26 Nov 2014 | 4:00 am
    Over the next several weeks I’ll be sharing holiday gift picks on a budget. You’ll find everything you need for a centsible holiday. Start with our Ultimate Holiday Planning Guide and explore our Holiday Gift Guide posts for tons of ideas for everyone on your list. Today I’m sharing a great place to order your holiday cards. Minted offers a great selection and their products range from photo cards to chic to funny. They have just about everything you need for holiday cards, menus, and invites as well as some unique gift ideas. I share some of my favorites below. 7 Picks…
  • Black Friday Sales 2014

    Kelly
    25 Nov 2014 | 9:00 am
    Don’t miss a single post! Sign up to have my posts delivered to your email, and sign up for our monthly email newsletter that includes special content and two $50 gift card giveaway to help you spread some holiday cheer! Over the next several weeks I’ll be sharing holiday gift picks on a budget. You’ll find everything you need for a centsible holiday. Start with our Ultimate Holiday Planning Guide and explore our Holiday Gift Guide posts for tons of ideas for everyone on your list. Black Friday Sales You’ll find all your Black Friday Deals here. Leading up to Black…
  • Discover Helps you Save and Give This Holiday Season {sponsored}

    Kelly
    25 Nov 2014 | 4:00 am
    It’s officially the holiday season with Thanksgiving this week, and winter holidays just around the corner! This time of year is so busy, but also so amazing. We are busy with gift shopping and baking or cooking up our family favorites, but we also love to focus on giving back during the holiday season. Every step of the way our Discover card helps us to save more and give back in ways you may not expect. Easy Gift Shopping with Discover Do you know how you can make gift shopping easier? Use your CashBack Bonus! You can redeem your Cashback Bonus for gift cards to purchase gifts or give…
  • 10 Tips for Healthy Holidays from GIANT{sponsored}

    Kelly
    24 Nov 2014 | 12:30 pm
    The holiday season is here! With the holidays come holiday feasts, parties, and gatherings with friends and family all of which involve rich foods and sweet treats galore. I’m sure I’ll indulge a bit, but after sharing about my weight struggle I’ve working hard to lose weight, get healthy, and eat clean. That work has been paying off with a weight loss of 20 pounds and a lot more energy. I don’t want to take steps backwards this holiday season, so I’m trying to find the best ways to keep up with this lifestyle shift we’ve made at home. It seems like a…
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    The Daily Reckoning

  • Why You Should Be Prepared for Both Inflation and Deflation

    James Rickards
    26 Nov 2014 | 12:18 pm
    This post Why You Should Be Prepared for Both Inflation and Deflation appeared first on Daily Reckoning. [Ed. Note: The debate over whether or not the US economy will experience inflation or deflation in the near term is an extremely heated one… According to our own Chris Mayer, two respected economists almost came to blows over it. But, as Jim Rickards explains below, there really is no debate, since they’re both equally likely. Read on… Today’s investment climate is the most challenging one you have ever faced. At least since the late 1970s, perhaps since the 1930s.
  • The Real Black Friday: When Oil Prices Begin to Climb

    Byron King
    26 Nov 2014 | 10:46 am
    This post The Real Black Friday: When Oil Prices Begin to Climb appeared first on Daily Reckoning. If your town is like mine your daily newspapers and local news programs have been filled with ads for “sales” this coming Friday — the day retailers turn the corner from being “in the red”… to posting profits for the remaining of the fiscal year. Thus the perennial American obsession with “Black Friday”. My email box has been filled with notices from stores, telling me about “bargains.” All I need to do is hop in my car, fight traffic and crowds, get inside the front…
  • 3 Travel Secrets that Will Make Any Trip More Pleasant

    Chris Campbell
    26 Nov 2014 | 8:33 am
    This post 3 Travel Secrets that Will Make Any Trip More Pleasant appeared first on Daily Reckoning. [Ed. Note: Here at the Daily Reckoning, we strive to bring you a unique and entertaining view of the world of finance. But we also realize that there’s more to this world than money. After all… what good is money if you don’t know how to enjoy it? So as part of our ongoing “Tip of the Day” series — brought to you by our friends at Laissez Faire Today — we’re proud to share this little actionable tip on living a happier, healthier and more enjoyable life than you ever thought…
  • How Retail Investors Could Double Your Money In 14 Months

    Greg Guenthner
    26 Nov 2014 | 7:48 am
    This post How Retail Investors Could Double Your Money In 14 Months appeared first on Daily Reckoning. Stocks keep rising — and people are finally starting to believe this bull market is for real. That means one thing: a lot of ill-informed, rookie investors (AKA retail investors) are now jumping into the shark tank — I mean, the stock market. And luckily for you, there’s a way you can double your money while these newbies get eaten alive. Fiendish? Cruel? No, I’m not talking about trading against them. You won’t be profiting from someone else’s misfortune. What you’ll…
  • Swiss Gold Update: What a “Yes” Vote on Nov. 30 Means for Gold Investors

    James Rickards
    25 Nov 2014 | 1:40 pm
    This post Swiss Gold Update: What a “Yes” Vote on Nov. 30 Means for Gold Investors appeared first on Daily Reckoning. A Swiss Gold Referendum will take place on Nov. 30, 2014 — just 5 days from now. Its terms prohibit the Swiss National Bank (the central bank) from selling any gold, require the bank to purchase gold up to the level of 20% of Swiss reserves and require that all Swiss gold held abroad be returned to Switzerland. If it obtains a majority “yes” vote, it becomes law despite the objections of bankers and politicians. This would deliver both a demand shock and…
 
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    Canadian Finance Blog

  • Be Prepared with an Emergency Kit for Your Car

    Tom Drake
    24 Nov 2014 | 2:00 am
    We live in a country that is known for its tough winters. When winter sets in, there is a lot of snow and ice. With the temperature dropping and some roads becoming a bit hazardous, it might be a good time to look at creating a roadside emergency kit for your car. An emergency kit for your car can be a good way to protect yourself if you run into trouble. It’s not just about sliding off the road and getting stuck. In some cases, you might get stuck in a snowstorm and it might be safer to pull over and wait for a snowplow to come buy and clear the road. At any rate, having an emergency…
  • How Canadians Can Take Advantage of Black Friday and Cyber Monday

    Tom Drake
    17 Nov 2014 | 2:00 am
    Shopping in the United States is elevated almost to a contact sport. Sales and discounts abound on a predictable schedule. Here in Canada, it’s true that we get Boxing Day on December 26th. However, in the States they also end up with “after Christmas” sales, and sales all the way up to Christmas. But the “real” deals for the shopping year is the fact that the United States gets to take advantage of major deals before Christmas with Black Friday and Cyber Monday. If you want to take advantage of deals like our friends to the south, you do have options. Here are…
  • How to Reach Financial Independence at Age 31

    Sean Cooper
    10 Nov 2014 | 2:00 am
    What does financial freedom mean to you? To me it means “findependence,” a term short for “financial independence”, coined by veteran personal finance columnist Jonathan Chevreau. I really enjoyed Chevreau’s book, Findependence Day: How to Achieve Financial Independence: While You’re Still Young Enough to Enjoy It, and it got me thinking about my findependence. Here’s my three-step plan to achieving financial independence: 1. Paying Off My Mortgage August 1, 2012 will forever be a date etched in my memory. On that momentous day I became a first-time homebuyer and…
  • What Should You Do With Your Tax Free Savings Account?

    Tom Drake
    3 Nov 2014 | 2:00 am
    One of the good things about our government is the fact that it is interested in encouraging the population to save… at least to some degree. To this end, Canada’s government offers special savings accounts that come with tax benefits. One of these savings accounts is the Tax Free Savings Account (TFSA). What is the TFSA? The Tax Free Savings Account is a government program that allows your investments to grow tax free. You make your contributions with after-tax dollars, and you aren’t taxed on the earnings you receive from the investments held in your account. So, if you…
  • How Much Mortgage Can I Afford?

    Tom Drake
    27 Oct 2014 | 2:00 am
    Due to the economic crisis and mortgage crisis that swept the United States, not to mention the fact that many people have been concerned about a housing bubble bursting here in Canada. One of the policies that came out of the situation was that the maximum mortgage length was dropped from 35 to 30 years, and then to 25 years. Even without that change, it still makes sense to think that you might be asking how much mortgage can I afford? When you look at the situation in terms of monthly cash flow, this makes a big difference. As you start thinking about the type of home you want to buy,…
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    The Dividend Guy Blog

  • Buy & Hold – Boring and Outdated Way to Invest?

    DivGuy
    24 Nov 2014 | 1:00 am
    I’ve admitted it in the past; Im not the typical dividend investor. I started investing by trading, buying & selling every two weeks while most dividend investors usually buy and hold completing the sale transaction after several years holding their shares. In my opinion, the dividend investor is the upgraded version of the buy & hold investors. More often than not, the buy & hold and dividend investor is the same guy. I strongly believe in dividend investing, that is why 100% of my portfolio is composed of dividend paying stocks. I even wrote two books and created a whole…
  • Wal-Mart (WMT) Third Quarter Results + Why You Should Buy This Stock

    DivGuy
    17 Nov 2014 | 1:00 am
    Wal-Mart just released its third quarter results with a great performance. To be honest, I think we were many to doubt about WMT’s ability to generate growth before the Holiday season. We will go through the main highlights of their reports, but first, we will analyze what Wal-Mart has been doing over the past five years and determine whether or not it should be part of your dividend portfolio.  Let’s see if “Save Money, Live Better” can translate into “Make Money, Invest Better”! This dividend aristocrat has increased its dividend for 41 consecutive years. Over the past ten…
  • 1 Buy, 1 Sell

    DivGuy
    13 Nov 2014 | 1:00 am
    I don’t know about you, but I’m in line to have another very successful year on the stock market. Last year, my RRSP account showed a 21.7% jump (50% in Cdn stocks and 50% in US). This year, I’m already at 15.7% and counting! But it’s not a reason to stop looking at my portfolio. After all, in the middle of October I was only +9%… The wind changes direction in short order these days! This is why I made a small change in my portfolio last week; since I don’t have cash on hand, I sold a less performing stock and bought an amazing opportunity. Buy when there is blood on the…
  • Canadian Dividend Growth Stocks – 4 picks Out of the Ordinary

    DivGuy
    10 Nov 2014 | 1:00 am
    Year after year, I study both the Canadian and American stock markets to find the best dividend growth stocks. For the past 4 years, I have noticed something sad; the choice for high quality dividend growth Canadian stocks is very narrow.   Just for fun, I pulled out results using the following screener: dividend yield over 3% dividend payout ratio under 80% 5 year dividend growth positive 5 year revenue growth positive 5 year EPS growth positive   as you can see, I wasn’t very picky and simply started with an “acceptable” level of fundamental information.
  • A Scary Graph Leading to Buying Opportunities

    DivGuy
    5 Nov 2014 | 1:00 am
    Here’s a quick post this morning that will give you some food for thoughts. Take a look at the graph below:   When I look at this graph I think about two things:   #1 Canadians’ debt keeps growing higher and higher   #2 Americans seem to understand the importance of deleveraging   More traditional banks such as TD Bank (TD),BMO (BMO) and CIBC (CM) will probably be at risk in 2015-2016 due to their important mortgage book. I think their provision for bad debts and default will increase. Other banks such as Royal Bank (RY), National Bank (NA) and ScotiaBank (BNS)…
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    Steadfast Finances

  • The Truth about PayDay Loans

    CJ
    6 Nov 2014 | 6:28 pm
    If you’ve ever been low on cash with creditors knocking at the door, you’ve more than likely considered using a payday loan company. The idea is appealing, you simply hand over a post-dated check for the amount of money you need and presto, you have cash in your hands. Unfortunately, these loans seldom work out the way you think they will and before you know it you could wind up thousands of dollars in debt. Before you hand over that blank check to payday loan companies, here are a few reasons that you may want to reconsider your decision: High interest rates: You will certainly pay much…
  • If I have a Pre-Existing Condition is it Covered by my Health Insurance?

    CJ
    19 Aug 2014 | 2:18 pm
    If you already have a health condition you will want to know that your medical care will be covered by your health insurance.  You don’t want to have pay out large amounts of money if you’re not covered. There was a time when a pre-existing condition meant that insurance providers were wary.  Some could veer away from applicants who already had a condition and applications could be refused.  The situation changed with the arrival of the Affordable Care Act. Click this link to read more about HBF & how they handle pre-existing conditions. So how did the Affordable Care Act affect…
  • Personal Finance and Lending

    CJ
    10 Dec 2013 | 9:33 am
    When you decide that you want to take out a loan there are many things that you need to consider. Firstly you need to know about the range of loans that are available so that you know what sort of things you need to be thinking about in order to make a decision based upon the things that are important for you. Once you are armed with the facts on what is out there, bring it back to you. What is it that you need to consider? Amount It sounds silly but take considerable time thinking about the amount that you want to borrow. For example: If you are taking out a loan to make up a shortfall in…
  • Reasons to Get Life Insurance

    CJ
    24 Nov 2013 | 12:45 pm
    I was talking to a friend of mine the other day who is almost 3o and his wife is pregnant. When I asked him what type of life insurance he had, he looked puzzled. “Surely you have life insurance at your age, with a child on the way?” I asked him. I was shocked to find out that he did not think he needed life insurance because he was ONLY 30. Unfortunately, younger generations are failing to get adequate life insurance to protect their loved ones from financial challenges in the event that something happens to them – and they are using the worst excuses to ignore the problem.
  • Ways to Avoid Losing Money when Selling your Home

    CJ
    23 Oct 2013 | 12:21 pm
    If you are putting your home on the market, the chances are you want to get the best offer possible for it. The sale process is punctuated with a number of pitfalls that can result in a homeowner losing money on their home. Here are three ways to squeeze as much money as possible out of your house sale. Price your Property Appropriately When it comes to pricing your property, it is essential that you are bang on the mark. Pitching your price too high can prolong the sales process and cost you more in the long run. The current economic climate means that buyers are savvier than ever and you…
 
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    Fiscal Fizzle

  • Thank You

    Peter Kulicki
    31 Oct 2014 | 9:23 am
    To all of my readers, supporters, and friends: As of 2014, this blog is no longer active. Thank you for a wonderful 5 years, where I got to share anything and everything that came to mind about money. Ultimately, my life and my priorities changed, and this blog is no longer a part of that. The site will stay online indefinitely as a resource to those of you still making use of the articles posted here. You can also contact me at anytime with questions. With appreciation, WojoFiled under: Administrative
  • Top Tips for Inventory Control Policies that Work

    Peter Kulicki
    31 Oct 2014 | 9:22 am
    Once you’ve invested in a point-of-sale system and worked on taking your inventory live, you’re going to need to put policies in place to keep your inventory from backsliding to zombie status. Setting up these policies is easy, and you should have no trouble in getting your staff to adhere to them. As with all changes, though, it’s better to lead by example. Why You Need to Stay On Track Preparing and executing the detailed work involved in starting a live inventory is a hassle. It takes time, staff hours, and sometimes even overtime not to mention the cash needed to pay…
  • Short and Long-Term Financial Planning

    Peter Kulicki
    14 Oct 2014 | 6:51 pm
    Planning for the future may be seem like a daunting task for many hard-working individuals. At some point, it becomes important to make long-term plans for personal finances. Insurance companies offer financial services that are just as diverse and viable as those offered by banks and other institutions, such as credit unions. Retirement plans in the United States of America are available in unique packages that cater to workers in different public and private sectors. For instance, 401(k) plans are ideally designed for people who work for businesses. 403(b) retirement plans are made for…
  • Tips When Shopping for Tires at Costco and Sam’s Club

    Peter Kulicki
    18 Sep 2014 | 6:29 am
    I recently bought a new set of tires at Costco, and bought my last set at Sam’s about 3 years ago (for another car), so today’s post is simply a quick overview on how to get the most out of your tire purchase if you decide to buy at a “warehouse”-style store. There are a number of reasons why you might want to buy at a warehouse. My own personal reasons included: Cheaper price for tires, and installation. Even cheaper price if you include the ongoing tire sale that is almost always going on. The staff won’t bother you about dirty fluid or other things that need…
  • Avoid These Mistakes With Inherited IRAs

    Peter Kulicki
    30 Jul 2014 | 6:20 am
    As with many retirement and savings options, there are clauses located in the small print which relate to many aspects of how the money is handled. This can include anything from how and when it’s appropriate to withdraw money, and what happens if someone inherits your IRA. Very often, inheritors of IRAs are unaware of the rules in place around IRAs, and what it means for them and the account once it has been inherited. To start off at the beginning, an IRA is an Individual Retirement Account, which a person may elect to pay into to save for retirement, instead of a 401k option. A person…
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    The SpendLessTV.com Money-Saving Blog

  • Thanksgiving, Thankfully Budget Friendly

    SpendLessTV.com
    2 Nov 2014 | 6:20 am
    10 Festive ideas to celebrate Thanksgiving with great food, a beautiful table, warm home decor touches, and all within budget. Enjoy the video clips, and enjoy your holiday! Holiday Dinner – feed 30 People for under $60 –  Seems unbelievable, but Coupon Mom shows how easily it CAN be done! Southern Style Thanksgiving Budget Feast -  ”Simple Fresh Southern” cookbook authors, The Lee Brothers, Matt and Ted Lee, show recipes for a three-course Thanksgiving dinner to feed 8 for under $70. Little Pumpkin Pies – Author of the 99-Cent Only Store Cookbook,…
  • The Special Deal Days of Holiday Shopping

    SpendLessTV.com
    2 Nov 2014 | 6:10 am
      The holiday shopping season continues to start earlier in the year, and that means a growing number of “special shopping days” with more deals and discounts from retailers and online outlets. This is a greater opportunity for you to save on those items on your gift list. But with more and more sale days, it may be quite a challenge to keep your spending in check during the holiday shopping season. The keys to staying in control are: plan ahead know the best days to shop research and price compare ahead of time use coupons and promo codes stick to your budget Here are the…
  • Seasonal Crafts From the Kitchen & Yard

    SpendLessTV.com
    17 Sep 2014 | 9:00 am
    Setting a festive mood or bringing excitement into your home to enjoy some seasonal cheer doesn’t require a big wallet or bank account. Sometimes the mementos everyone appreciates the most are the ones that came right from home, handmade from the little things found right in your backyard or kitchen. Here are some fun, eco-friendly and budget-friendly do-it-yourself craft projects that use and re-use simple materials you may already have on hand so you can bring the outdoors in to appreciate all season long. How to Make Shrunken-Head Apples - Perfect for Halloween! A festive and…
  • Wallet-Friendly Fourth of July

    SpendLessTV.com
    1 Jul 2014 | 9:03 am
    The Fourth of July… What’s the perfect holiday for easy fun and easy on your budget, too? As Louise Sacco Reilly, from FrugalYankee.com puts it, “The Fourth of July is a dream holiday for frugal people: no one expects you to bring gifts and the entertainment is free!” Fireworks, parades, block parties – so much is available for a great celebration, and we here at SpendLessTV.com have brought you tips on how to make the most of this favorite summer holiday with videos full of money-saving and high-style July Fourth party ideas to put you in a festive mood and let…
  • July 4th (Frugal) Fun

    SpendLessTV.com
    30 Jun 2014 | 8:39 am
      The Fourth of July in the U.S. is a time for celebration, and most folks will be enjoying the warm long summer’s day off with picnic treats, grilling on the barbecue, outdoor and backyard fun, and fireworks. Here are  videos with ideas to add more festive fun to your day, party or event: Celebrate with budget-friendly craft activities to keep the kids happy, delicious recipes for tasty treats, and patriotic decorations for the table, (and yourselves). Have a fun and safe July 4th! Tasting & Table Setting Grilled Portobello Mushroom Burgers – This recipe for juicy…
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    MoneyProblems.ca

  • Mortgages: How Big is Too Big?

    J. Douglas Hoyes
    26 Nov 2014 | 4:00 am
    Is it possible to have a mortgage that is simply too large?  Here is the conventional wisdom: Buy as big a house as you can afford, because long term house prices always go up, so you can’t lose.   or It’s okay to take out a bigger mortgage, to increase... Read more The post Mortgages: How Big is Too Big? appeared first on MoneyProblems.ca.
  • 5 Tips to Choosing Credit Counselling for Debt Relief

    Ted Michalos
    19 Nov 2014 | 4:00 am
    Credit counselling is a very good alternative to dealing with debt problems. If you have a modest amount of debt, with very few creditors credit counselling, through a debt management plan, provides you with a voluntary program to pay off debt sooner. But how do you know if it’s the... Read more The post 5 Tips to Choosing Credit Counselling for Debt Relief appeared first on MoneyProblems.ca.
  • Comparing Car Financing Terms: Lease Versus Buy

    Moneyproblems Answers
    12 Nov 2014 | 4:00 am
    Choosing which car you want to drive is not the only difficult decision to make when you are in the market for a new vehicle. Just as confusing can be the choice between leasing or buying. It’s important to look beyond the monthly payment, and understand exactly how each of... Read more The post Comparing Car Financing Terms: Lease Versus Buy appeared first on MoneyProblems.ca.
  • Budgets = Freedom

    Gail Vaz-Oxlade
    5 Nov 2014 | 4:00 am
    Can you imagine how great it would feel to never having to worry about money? Some people think that means having so much money that you can buy whatever you want whenever you want it.  If that were so, why would people who inherit money or win the lottery often... Read more The post Budgets = Freedom appeared first on MoneyProblems.ca.
  • Do I Need To File Bankruptcy in My 20s?

    J. Douglas Hoyes
    29 Oct 2014 | 5:00 am
    It doesn’t happen often, but people as young as 18 have had to file bankruptcy in Canada. On average, about 12% of all insolvencies (both bankruptcies and consumer proposals) are filed by people between the ages of 18 and 29. And the truth is, it doesn’t take much debt to tip... Read more The post Do I Need To File Bankruptcy in My 20s? appeared first on MoneyProblems.ca.
 
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    JoeTaxpayer

  • TurboTax 2014 Marketing Mistake

    Joe
    18 Nov 2014 | 5:00 am
    Remember New Coke? Remember Qwikster? My Spidey senses tell me that Intuit’s TurboTax product is about to have its own moment of marketing mishap. Now. As a tax nerd, I don’t put my TurboTax on the shelf after I file my return. I open it regularly to plan my year. Since one of my goals is to avoid paying more tax than I have to, I use it to plan my stock sales, Roth conversion, if any, and forecast my tax bill well in advance of April 15th. It’s been a ritual of mine to buy the new tax year software the weekend it’s out, usually the weekend after Thanksgiving. This…
  • 2015 Tax Rates Announced

    Joe
    5 Nov 2014 | 3:00 am
    The 2015 tax rates have just been announced by my friends at the IRS. If you’ve been reading this blog for a while, you know how taxes work, more or less. The tables aren’t the actual tax you pay on gross income, but on taxable income which is gross less a number of items, including the personal exemption which rises to $4,000 in ’15 and the standard deduction for single $6,300 or joint $12,600. I’ll be referring back to this article over the next year whenever the tax table is part of the conversation. Check out the new rate table and start planning for 2015. Single…
  • The Next Chapter of My Life by JoeTaxpayer

    Joe
    3 Nov 2014 | 3:00 am
    This post has been in the works for some time, nearly two years. Talk about a bit of writer’s block! Attending FinCon14 (The Financial Bloggers Conference) gave me a chance to share my story, and hear so many people encourage me to write and share it with my readers as well. Two years ago, shortly after my 50th birthday, my wife and I were both let go in a company layoff. 30 years, working for the same company, had come to an end. We both had our eye on our number and we had already agreed that she could retire as soon as she was ready to. The numbers all pointed to me taking a bit of…
  • 3 Tips for Righting Your Money Wrongs

    Joe
    31 Oct 2014 | 4:00 am
    Of all the potential problems life can serve up to us, money problems rank among the most stressful without a doubt. Ruminating about mounting debt, having trouble paying bills, knowing we are making bad choices can do quite a number on us mentally. If denial is no longer doing it for you, and you are ready to move towards a more ordered financial life, here are some helpful strategies to get you there. Do a Mental Purge One of the reasons we let our money troubles get so out of hand is our tendency to push our troubles out of our minds and go into denial mode. Obviously on some level, we are…
  • 2015 Retirement Plan Limits

    Joe
    26 Oct 2014 | 4:00 am
    This year has flown by and as we approach year end, the IRS shares the numbers that will impact your 2015 retirement savings limits. 2013 inflation was low enough that we saw no increase in ’14. 2015, however, sees a bit of a bump, so let me share these numbers. Employee contributions to 401(k), 403(b), most 457 plans, and the federal government’s Thrift Savings Plan is increased from $17,500 to $18,000. The cath-up provision, for those 55 and older in 2015 is also increased a bit, to $6,000. The IRA limit is unchanged at $5,500 with a $1,000 catch-up for 50 and older. The…
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    Financial Samurai

  • How To Not Get Pulled Over For A Traffic Ticket: Race And Sex Matter!

    Financial Samurai
    26 Nov 2014 | 3:48 am
    When I got my speeding ticket for going 35 mph in a 25 mph zone, all my friends laughed and jibed. “Are you sure Moose can even go 35 mph in two blocks?” (Moose was a slow, 14 year old Land Rover Discovery) “How the hell can you speed during rush hour traffic at 6:45pm? It’s bumper to bumper then!” (SF traffic is horrendous thanks to robust employment compared to five years ago) “Dude, you’re a victim of racial profiling. Out of all the cars out there, they chose your piece of shit? Don’t they have something better to do?” I laughed at…
  • Motif Investing Review: The ETF And Index Fund Killer?

    Financial Samurai
    24 Nov 2014 | 3:48 am
    After spending 13 years in equities on Wall Street, I’ve been able to personally speak to some of the most successful institutional investors around on how to invest and manage money. The one consistent piece of advice I always hear is to invest in long-term trends and forget about the day-to-day minutiae. For example, shorting/underweighting Japanese equities since the late 1980s and going overweight commodities in the 1990s have been great winning decisions. As a result of my experience working with successful fund managers, I weaned myself off of trying to constantly trade around the…
  • The Epitome Of Perseverance: Joe Locke’s 14-Hour Swim Through Cold And Darkness

    Financial Samurai
    22 Nov 2014 | 3:48 am
    Joe swimming at 2am in the Pacific Ocean Life is funny. I remember looking out my new living room window one morning and seeing the Farallon Islands for the first time. Even on a sunny day, they sometimes don’t appear given they are 30 miles away. But everything was crystal clear this morning and I could see the island’s entire silhouette. I distinctly remember thinking to myself, wouldn’t it be crazy if someone swam from the Farallon Islands to the San Francisco shore and grabbed a cheeseburger for lunch at Outerlands Restaurant? Then that afternoon I saw on the news a man…
  • Why Are People So Ashamed About Inheriting Money?

    Financial Samurai
    20 Nov 2014 | 3:38 am
    “How did I get my million dollars? It was simple. One day, I bought an apple for a nickel. That night, I cleaned and polished it. The next day, I sold it for a dime. With that dime, I bought two apples. That night, I cleaned and polished them, and sold them the next day for twenty cents. I repeated that process every day, without fail, until I had amassed $6.40, whereupon my grandfather died and left me $999,994 in his will…” – A Yahoo commenter named Dave A funny thing occurred on Yahoo Finance the other day. A fellow blogger by the name of Anton was able to get…
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    Automatic Finances

  • You Don’t Need a Dedicated Computer for Online Banking. Just Don’t Be Stupid.

    Jason Unger
    26 Nov 2014 | 4:30 am
    This article made me laugh … and fear for the future of humanity. Use dedicated computer for online banking: The advice of the American Bankers Association (ABA) made four years ago regarding online banking is even more important advice today. In a gutsy but overdue move, the recommendation to small and medium-sized businesses was simple: stop using your regular computers for online banking. That’s right, stop using your regular computer for online banking. Instead, the ABA, still to this day, recommends the use of a separate, dedicated computer for online banking, one that is never…
  • Wearable Banking? Yeah, I Think I’ll Pass.

    Jason Unger
    25 Nov 2014 | 4:00 am
    Technology’s done a lot of good for society — that’s obvious. And in the world of personal finance, it’s revolutionized the way we access and manage our money, automate our finances, and save ourselves from overdraft fees. As a guy who has covered the technology space and loves a good gadget, I’m usually at the forefront of where tech is taking us — and a strong advocate for it. Wearable technology — like Google Glass or the upcoming Apple iWatch — aims to be the next frontier, making the connectivity of your smartphone not just an accessory…
  • Is a Big Bank The Right Choice for You?

    Jason Unger
    23 Nov 2014 | 10:41 am
    It’s incredibly easy to dislike (and make fun of) the biggest banks in the country — and often for very good reasons. They don’t care about you – they just care about their profits. They don’t make it easy for you to save money – they just want you to spend money and take out loans. We could go on and on. But there are some legitimate reasons why you may want to bank with a big bank. For as much as we talk about everything wrong with Bank of America, I still have an account there — simply opened because they had the most ATMs where we lived.
  • Bank of America Talks Their Mobile Banking Strategy

    Jason Unger
    30 Oct 2014 | 5:28 am
    Everyone loves to hate Bank of America — myself included. I certainly don’t feel bad about it (especially when you see things like this), but as one of the country’s giant banks, they can clearly influence the way the market goes — from the negatives like fees to the positives like technology. So as banking goes more and more mobile, Bank of America is obviously at the forefront of that trend. David Godsman, an executive at the Charlotte-based bank, recently participated in a Q&A with CharlotteObserver.com about their mobile banking strategy. Here are some of the…
  • What’s to Worry About Mobile Banking?

    Jason Unger
    29 Oct 2014 | 5:18 am
    Mobile banking only continues to grow, with new apps launching every day, and banks making it easier and easier to do business on your smartphone. With that in mind, GOBankingRates wanted to find just how comfortable people are banking on their smartphones — and what concerns they have. The results are pretty interesting. After polling nearly 800 Americans, they found that people’s biggest concerns about mobile banking are … None! I have no major concerns: 43.7 percent Identity theft: 37.35 percent Technical errors: 8.75 percent Misuse of information by companies: 7.18…
 
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    Saving Money Today

  • 4 Ways to Save on Apartment Utilities

    Mike
    17 Nov 2014 | 2:50 am
    By Jennifer Riner of Zillow Many prospective leaseholders erroneously calculate their monthly rent budgets without factoring in utility costs. Electricity, heat, water, gas, cable, internet and trash removal often act as separate expenditures, detached from advertised monthly rents. Sometimes, landlords include portions of utilities within rental prices. If rent is stand-alone, applicants without roommates should budget 20 percent of total monthly rent for utilities. Additionally, landlords can provide utility cost estimates for applicants to prepare accordingly. When utilities aren’t…
  • Free Two Year Subscription to LEGO Magazine

    Mike
    4 Aug 2014 | 7:12 am
    Whether you collect LEGO as an investment or just for fun, this is an offer that you simply cannot turn down.  Just sign up at the link below and you’ll receive a two-year membership in the LEGO club including free copies of LEGO Club Magazine.  You can also elect to receive LEGO Club Jr if you sign up with your child’s information. Click here to grab your free LEGO Magazine subscription.
  • Sizing Up Your Debt

    Mike
    22 Jul 2014 | 3:39 am
    Debt is a major problem in today’s world. It’s easy to get so far into debt that it seems like your every move is blocked by an insurmountable wall. But with the right plan, the right mindset, and a little bit of work you’ll be able to break that wall into smaller chunks and before you know it you’ll be on the other side…debt free! The first thing you should do is sit down and size up your situation so you can figure out exactly how much debt you’re in and where all of your money is going. This is a vital step that you can’t afford to skip. People who…
  • Steer Clear: What to Avoid to Save on Your Cell Bill

    Mike
    26 Feb 2014 | 1:51 pm
    Money is tight for just about everyone right now, barring the cell phone company CEOs who are raking in more money than they know what to do with because you’re paying too much on your cell phone bill. Sometimes bills are inevitable to avoid, but there’s an answer to the question on everyone’s mind –how do I save on my cell phone bill? • Avoid Texts. This is a no-brainer. There are about a million applications out there that offer the same type function of text messaging without having to set up a costly contract with a major company. Check out some alternative apps like…
  • 5 Ways to Save $50-plus Per Month

    Mike
    4 Jun 2013 | 4:59 am
    David Bakke constantly searches for new ways to save money and shares his findings on the personal finance blog, Money Crashers. Show me a bunch of ways to save $10 per month, and I won’t be too interested. Explain to me how to save $25 a month, and my eyebrows might rise a tad. But if you mention shaving off $50 per month from what I spend, now that gets some attention. Think about it: An extra $50 in your pocket each month comes out to $600 at the end of the year. If you can find five ways to save an extra $50 per month, and your savings rise to a whopping $3,000 per year Fortunately,…
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    Personal Finance Blog

  • 10 Worst Toys Of 2014

    Twila VanLeer
    25 Nov 2014 | 3:23 pm
    Toys That Cause Harm Are No Fun This toy gun is a replica of a real machine gun and can be mistaken for a real gun. On The 10 Worst Toys For 2014 list.The World Against Toys Causing Harm (WATCH) doesn’t play around when its reps find toys on the market that could be dangerous for children. The agency has just released its list of the 10 worst toys for 2014 – just in time for Santa to take note. For instance, be on the lookout for a “pencil catapult,” or the Alphabet Zoo rock and stack pull toy that has plenty of string to strangulate a small child – 20 inches worth, while safety…
  • Save Big Bucks On Energy Bills

    Twila VanLeer
    23 Nov 2014 | 8:23 pm
    Reducing heating costs can save money.Face it, folks. Indian Summer is not coming back, and already some parts of the country have posted record early-winter storms. Time to crank up the furnace so you can defy the elements and be comfortable in your own home. You can do it more economically if you learn some tricks about keeping energy costs in line. Many of the tips you hear are not really reliable and could be costing you money. For instance, programmable thermostats. They really don’t measure up to the hype. And if you’re using a fireplace to supplement the furnace output, you may…
  • What’s Hot? What’s Not? Let the Shopping Begin!

    Twila VanLeer
    21 Nov 2014 | 10:50 am
    Hot selling Christmas items include products featuring Disney’s Frozen characters.Thousands of Americans will step away from the Thanksgiving table, leave stacks of dirty dishes and head right into the front lines of the annual shopping barrage. More stores are opening on the Turkey Day holiday to accommodate early shoppers. Last year, Macy’s, one of shopping’s bellwethers, opened at 6 p.m. Thanksgiving. That prompted several large retailers to open a bit earlier. And so it goes in the world of selling. And there’s no whimsy about it. The science of money spending indicates that…
  • 6 Tips For LIving On One Income

    Sherry Tingley
    18 Nov 2014 | 8:12 am
    Determine a good budget to use and make sure you stick to it.One Income? Make It Enough Two-income families have become almost the norm in the United States, but some families, for whatever reasons, can and do get by on the earnings of just one breadwinner. It requires planning and commitment, but it is possible. Analyze Your Budget Start with an honest and thorough review of your current financial picture. How much do you spend? How much of the spending is for necessities and how much for luxuries you could do without? Think of ways you could cut back, such as eating more meals at home…
  • Wise Shopping During Christmas Time

    Sherry Tingley
    13 Nov 2014 | 11:29 am
    Get Ready! Get Set! Get Shopping! Get Christmas shopping done ahead of time.Anyone who is paying attention knows that holiday shopping begins earlier every year and this year October had hardly dropped off the calendar before the Black Friday/Cyber Monday deals were being ballyhooed. And you don’t have to wait for the turkey to become skin and bones to get in on the bargains, according to the shopping experts. But the wisest shoppers will go into the season with a strategy and a budget, those same experts say. Here’s how: Set A Goal Be a “mission” shopper. Have the list before you…
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    Unbiased financial advice from fee-only financial planners

  • Should Bears Become Bullish?

    Don Martin
    19 Nov 2014 | 1:05 pm
      Prominent formerly bearish fund manager Hugh Hendry was interviewed on MoneyWeek. Hendry had switched in November, 2013 to a bullish viewpoint after being possibly the world’s most bearish hedge fund manager. He feels that global Central Bank stimulus is so powerful that investors have no choice but to become bullish. Should bearish investors do as he did and become bullish? Jeremy Grantham of GMO funds, a noted bear and expert on bubbles recently said that the SP may go to 2250 before it crashes. That’s only 10% higher. When the market is in an uptrend it may move up …
  • Fixing Social Security

    Jim Blankenship, CFP®, EA
    19 Nov 2014 | 5:52 am
    For quite a while now we’ve been reading the reports from the Social Security Administration’s reviews of the status of the trust fund – where the prediction is that we’ll end up in the year 2033 with only enough money to pay 77¢ on the dollar of the promised benefits from Social Security. So far this revelation has not resulted in policymakers’ taking any actual steps to fix things, but sometime someone has to act. What can be done about fixing Social Security? What Can We Do About Fixing Social Security? As future recipients of benefits, we have some actions…
  • Five Principles Of Spending

    Matthew J. Illian, CFP®, AIF®
    19 Nov 2014 | 4:30 am
    Mitch Anthony is the author of “The New Retirementality“, a book we often give to clients considering retirement. He has a nice article in the November issue of Financial Advisor Magazine entitled, “A Life Well Spent.” The point of the article is that life planning is where comprehensive wealth management ought to start. Life planning conversations with clients, while not as frequent as the day to day financial planning, are nevertheless the most meaningful and potentially life-changing discussions. When trying to raise financially savvy children, there are three…
  • Software Crisis A Symbolic Warning to Investors

    Don Martin
    18 Nov 2014 | 8:36 pm
    This year has been a difficult year for software safety. Several months ago the Heartbleed bug was discovered which was described as the worst online security threat in 16 years. It was capable of defeating the “Open Secure Socket Layer” (SSL) used in internet commerce. Now last week a new bug in Windows was discovered which has been in existence for 19 years. One would think that after all this time the bug should have been detected and fixed much sooner. "This vulnerability has been sitting in plain sight for a long time despite many other bugs being discovered and …
  • I’m Self-Employed. How Can I Get Health Insurance?

    Sam Fawaz, CPA, CFP®
    18 Nov 2014 | 5:23 pm
    Self-employment is an important career choice for many people, and it is an option elected by many seniors and baby boomers. But with this choice comes the need to provide your own health insurance, which can be a formidable expense. And, thanks to the Affordable Care Act, a necessary one starting in 2014. If you are self employed and are seeking health care coverage, here are your major options. Piggyback on a Partner’s Plan If you have a spouse or partner who is or can be enrolled in an employer-sponsored plan, joining this plan is usually the simplest and least …
 
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    Budgets Are Sexy

  • The Official List of Allowed Purchases This Black Friday

    J. Money
    26 Nov 2014 | 2:02 am
    Every year around this time I put on my clever hat and try to have some fun with Black Friday… This has produced a multitude of award winning articles such as “How I feel about Black Friday in Animated Gifs“, “7 Things I’d rather do than shop on Black Friday,” and my personal favorite, “10 ways Black Friday is like sex.’ (I swear, I deserve a raise…) As I woke up this morning, however, I realized I’m in no mood to be funny. All I could think about were the poor souls about to swap feasts of turkey and family for fancy coupons and…
  • How Bad Do You Want It?

    J. Money
    24 Nov 2014 | 2:02 am
    One of the very first questions I ask all my money coaching clients is “what are your goals?”  Quickly followed by “how bad do you want them?” The first one is an easy one because any of us can rattle them off at any point (have a million dollar net worth, retire early, be the #1 personal finance blog in the world!), but the second one is the one that matters the most. Most people want to become a millionaire or never have to work again in their life, or hell – have a banging body – but very few care enough to actually pull them off in the end. It’s…
  • Would You Rather… Make $50k or $100k? (But…)

    J. Money
    21 Nov 2014 | 2:02 am
    Welcome to Friday, hustlers. You know how everyone’s always talking about “keeping up with the Joneses,” and how it’s best to not compare yourselves to others? Well, this Would You Rather we’ve got for you today will test you on just that ;) I reckon most of you will vote the financially smart way considering you’re on this site, but do try to answer this honestly so we can get a good discussion going. You ready for it? Here we go…. Would you rather…. Have a salary of $50,000 where everyone around you only has $25,000 – OR – Make…
  • The Millionaire [Liar] Next Door

    J. Money
    19 Nov 2014 | 2:04 am
    So…. Remember our ol’ pal Anton who we featured here last month for hitting a million dollars before 27? And then it went viral on social media and other finance blogs, eventually landing him on the home page of Yahoo! Finance? Yeah, apparently he duped us. While he is a legitimate millionaire, it seems the route he got there was anything but “self-made.” Here’s what Yahoo originally posted on their site: Ivanov claimed he was a self-made millionaire who began investing at age 18 after watching his parents mismanage their finances. On Monday, Ivanov admitted to…
  • Even Experts Need Help With Money

    J. Money
    17 Nov 2014 | 2:02 am
    I got a really interesting/confusing email the other day that initially through me for a loop. It was from my friend B. and went something like this: “Hey Jay! Do you still do money coaching? I need some help getting my finances in order and thought maybe you get me back on track. Lemme know.” Nothing too out of the blue, right? Plenty of people need help with their money or else blogs and coaching and, well, the entire financial industry wouldn’t be around. So at first glance everything’s normal here… But here’s the kicker – the person who emailed…
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    Financially Poor

  • Save Money By Planning Ahead

    Kevin
    26 Nov 2014 | 9:40 am
    Forgetting to plan ahead can really add up. When you buy a bottle of water at the gas station and headache medicine at the airport, you pay a premium for convenience. This means that you are spending quite a bit more than you would need to if you took the time to plan ahead. Of course, even with the best planning, little things will come up, but you can save quite a bit of money by simply thinking about what you might need later that day. Convenience When you head out, you know that you will get thirsty later. This is a simple fact of life. Forgetting to take water along is just foolish. You…
  • Why Christmas is an opportunity for your business

    Kevin
    24 Nov 2014 | 8:36 pm
    Whatever your business sells, or whatever service it offers, you should never think that marketing over the Christmas period is a time to let marketing lapse and rest on your laurels until the New Year.  Now is the time to get in there, make yourself stand out from the crowd and be rolling in it come January. Far too many businesses think because they don’t deal in seasonal products or services it’s pointless even trying to pull together any kind of marketing strategy and instead spend an insane amount of money of boring Christmas cards printed with your company name. Do you…
  • 3 Debt Elimination Mindsets You Need To Have

    Kevin
    24 Nov 2014 | 9:13 am
    Debt can be a real downer, especially when the people you owe it to keep calling day and night. In order to get out of debt, you need to get in the right mindset. Here are three different mindsets that you need to start getting into. It’s you or them It’s a war between you and the creditor. You messed up and got into debt so they are winning. You now have to go on the offensive and attack that debt like it’s the last thing you’re ever going to do. They don’t care how you pay them as long as you do. Don’t let them control your life, sacrifice so you can set the tone and pay that…
  • Is there an alternative to using a payday loan?

    Kevin
    22 Nov 2014 | 8:51 am
    Very few of us can get through life without getting involved in some kind of loan application process.  Even if we don’t want to borrow money, it is more or less forced upon us if we want to buy a home.  But when it comes to borrowing smaller sums of money, there are several alternatives.  But before you decide which the best one for you is, consider your financial position and your circumstances.  It is not always the traditional ways of borrowing which are the best. With a payday loan you are not just talking about a lesser period of borrowing but also a much faster processing time. …
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    Couple Money

  • Finding the Perfect Gift for Your Loved One

    Elle Martinez
    24 Nov 2014 | 2:22 pm
    I recently did a segment on the Couple Money Podcast on gift shopping and I wanted to share some tips from it.  Finding and giving the perfect gift for your loved ones one of the best feelings. However it can sometimes seem really difficult, especially if someone is ‘hard to shop for’. If you’re in this situation, here are four steps to make it more fun and less stressful. Make a list of all the things the person is interested in Drill Down and see if any gifts jump out Choose based on their tastes Have fun presenting it To (hopefully) make things a little more clearer,…
  • Do You Need to Be a Millionaire to Retire Comfortably?

    Elle Martinez
    19 Nov 2014 | 8:17 am
    I had a lot of fun yesterday being on the panel for the #retireeNextDoor Tweetcast. Jeff Rose from Good Financial Cents and Money Tips did a fantastic job hosting it and some wonderful advice was shared. Like I mentioned the other week, we tend to put off preparing for retirement for a few reasons. I think one huge factor is the unknown. We hear all these huge numbers about what we need that it can be discouraging. I don’t think we have to be afraid of it. Planning for retirement is a bit like saving up for a baby – you will never be able to prepare for every event, but…
  • The Dos and Don’ts of Black Friday Shopping

    Simon Davis
    11 Nov 2014 | 9:29 am
    Two-thirds of Americans, according to The Washington Post plan to shop on Black Friday, the day after Thanksgiving. Less than half of those surveyed plan on shopping online. This is one of the busiest shopping days of the entire year, and this approaching season more Americans than ever plan on shopping Black Friday sales 2014 than ever before. This is the day when you can get the best discounts on shopping. There are many things you can do to make sure that you go home with the items that you want in less time so that you can relax and go home to enjoy those leftovers! Get Your Priority…
  • What are the Most Common Mistakes People Make When Planning for Retirement?

    Elle Martinez
    7 Nov 2014 | 5:12 am
    Even though most of us know that retirement planning is something we should be doing, real life tends to get in the way of us actually getting it done. Retirement is so far away in your timeline, it’s tempting to put it off for a bit. What’s worse, we can be our worst enemies and make some huge mistakes when it comes to planning for retirement. I’m going to share some of the biggest mistakes and how you can begin to fix them. Waiting Until You Have More Money One of the biggest mistakes couples and really individuals make is waiting for the next raise to happen before they…
  • Why Do We Fight About Money?

    Elle Martinez
    28 Oct 2014 | 5:45 am
    No matter how your marriage started out, at some point the honeymoon is over and the two of you are dealing with the realities of the day to day. Many times that eye opener is disagreements about money. And it’s not necessarily a bad thing. How We Picked Up Our Money Habits Laurie Puhn, a couples meditator, commented that having arguments about finances can be expected with married couples. The truth is most of the time, it’s not necessarily the numbers, but it’s what we bring to the marriage that cause us to bicker and nitpick. Our previous experiences with money have a…
 
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    Beating Broke

  • Will My Homeowner’s Policy Cover Damage to My Friend’s Belongings?

    Thomas Bawdy
    26 Nov 2014 | 12:16 pm
    Homeowner’s insurance is a necessity for anybody who owns a home or has a mortgage. The policy will protect you in the event that your home is damaged from any number of factors beyond your control, including storms, fire, falling trees, wind damage, and more. Your home is a huge investment, and it’s important to protect its value. If a storm damaged your home so badly that it would cost you a fortune to fix, not only would you have lost the value of the home to the storm, you’d still have a mortgage on a property that is no longer worth what you owe. For all of these reasons, it’s…
  • 5 Tips to Make Black Friday Shopping Work for You

    MelissaB
    20 Nov 2014 | 3:57 pm
    I’m not a big shopper.  Never have been, never will be. However, I do love scoring a great bargain, which is why I do some shopping on Black Friday.  However, I always remind myself that even the best deal isn’t a deal if I’m buying something I don’t need. If you want to snag some great Black Friday deals, but you want to be mindful of your money (and your spending), trying using these strategies. Make a List of What You Need Notice I didn’t say, make a list of what you “want.”  There are lots of things you might want looking through the Black…
  • How to Find the Best Financial Planner for You

    MelissaB
    3 Nov 2014 | 5:36 am
    My husband and I were on the hunt for a financial planner for years.  We started out using one at our local credit union, but that one seemed to talk (and talk, and talk) more than he liked to invest.  Every time we saw him, the visit would last well over an hour as he chatted about everything under the sun, except investing.  When our investments with him remained stagnant over a two year period, we decided to move on. Over several years, we interviewed several different financial planners and received either terrible advice (like investing all of our rollover retirement money in an…
  • Collections for Freelancers

    Thomas Bawdy
    23 Oct 2014 | 11:00 am
    Client Not Paying? Freelancers Can Still Take Action Freelancers and home business-owners do have options when it comes to non-payment by clients. Here are the professional ways to deal with the problem and try to get your earnings back. Contract First of all, do you have a written contract and is it signed by the client? This should detail your payment structure listing how and when you are to be paid. It should also mention your late fees. If you haven’t already done so, invoice your client a second time and refer to the terms and conditions in the contract. You can use an online…
  • 5 Ways to Have a Frugal Halloween

    MelissaB
    21 Oct 2014 | 5:20 am
    While the marketers would like us to think that Halloween should cost a fortune, it doesn’t have to.  On average, Americans in 2013 planned to spend $75.03 on Halloween candy and costumes.  (My guess is those with more than two children will spend significantly more than this, especially if they choose to buy costumes.) If you use some creativity and resourcefulness, you and your kids can have a fun Halloween without spending a fortune.  Here’s a way to have a ghoulish Halloween without frightening your wallet. Save Serious Money on Costumes If you have the cash to spend, you…
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    Stack The Chips

  • Use Store Brands To Save Money At The Grocery Store

    Edwin C
    19 Nov 2014 | 1:19 am
    If your grocery bills have skyrocketed, you’re not alone. Some name brand products are going up in price. Others are keeping the prices the same but just giving you less. Either way, it’s becoming more expensive to feed your family. One way people are easing the pain at the register is by switching to store brands. This method saves you money and requires no extra effort on your part. If you’re considering making the switch, rest assured that consumer reports have shown that many shoppers actually prefer the taste of store brands. As a bonus, prices can be as much as 25…
  • 8 Vital Ways To Save Money On Gas

    Edwin C
    5 Sep 2014 | 12:13 am
    Whether you’re headed off on a road trip to celebrate the summer or you just want to cut back on your commuting expenses, saving money on gas is a great way to keep the green in your pocket where it belongs. One option is to buy gas on the weekend when prices are shown to take a slight dip. But for busy daily commuters this isn’t a viable option. Instead of organizing your week around the pump prices, why not follow these 8 vital ways to save on gas every day of the year. Use A Good Rewards Credit Card If you can pay your credit card bill every month in full, there’s…
  • Playing Devils Advocate: 10 Reasons Why Renting Is Best

    Edwin C
    12 Aug 2014 | 12:09 am
    Americans have always been told that homeownership is part of the American dream and that renting makes you a second-class citizen. Until recently, many people fell for that fallacy, struggling to find and afford a place to house their families. However, times are changing and more people are taking a rent-friendly attitude than ever before. Don’t think renting is a good idea? Maybe I’ll change your mind with these 10 reasons why renting is best. Utility Bills Will Cost Less Sure you’ll need to pay for electricity and some other utilities when you rent, but you’ll pay…
  • Turning The Tables On The Credit Card Companies

    Edwin C
    4 Aug 2014 | 2:19 pm
    Credit cards get a bad rap. After all, they can cause everything from bad credit scores to bankruptcy. According to the latest data the average household carries over $15,000 in credit card debt. With the average interest rate of credit cards being 13%, that’s a lot of money being spent on interest charges. But when utilized effectively, credit cards can be used to your advantage. To take advantage of credit cards, you’ll need two things, a rewards credit card and a lot of self control. Here’s how I effectively use my credit cards. I Take Advantage Of Them Credit cards…
  • Top Personal Finance Posts From July ’14

    Edwin C
    4 Aug 2014 | 12:07 am
    Here were my favorite blog posts from the personal finance blogosphere for July. Check them out! Saving How A Smartphone Can Make You A Savvy Consumer by The Write Budget Fun (Cheap) Things To Do In NYC by Blonde And Balanced Building An Emergency Isn’t As Annoying As You Think by Frugal Confessions How Budget Leaks Cause Financial Havoc by Frugal Rules How To Find Online Freebies And Contests by All The Frugal Ladies Emergency Fund – The Healthy Kind by Even Steven Money Spending How To Get A Grip On Your Emotional Spending by Color Me Frugal Quality Or Budget: My New…
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    MichaelHaltman.com

  • US Economy Grew at 3.9% Last Quarter

    MichaelHaltman
    25 Nov 2014 | 9:19 pm
    The news on the economy is good, at least for the period covering July-September. As per the Commerce Department, the economy grew by a robust 3.9%. The third quarter growth was the highest on record since months immediately following the second phase of the Bush tax cuts. The strong third quarter growth follows second quarter GDP growth of 4.6%. In terms of consecutive quarters, it is the strongest growth since 2003. The economy got off to a rough start with the severe winter impacting the economy such that the first quarter saw economic contraction at -2.1%. As per Chief Strategist Dan…
  • 400 Richest Taxpayers Pay 18% in Federal Tax

    MichaelHaltman
    25 Nov 2014 | 7:04 am
    The 400 richest American taxpayers are a good gauge on determining trends in the underlying economy of the United States. What it indicates is that they earned a lot more money in 2010 than in 2009 yet paid lower taxes on that income. The average federal tax rate for the 400 richest Americans was about 20% in 2009 but decreased to 18% in 2010. In order to qualify for the list, you had to bring in at least $99 million during the year. The average amount that the people on the list earned was a shocking $265 million which is up almost a third from the prior year which resulted in an average tax…
  • Kobe Bryant Critical of Home Discounts

    MichaelHaltman
    24 Nov 2014 | 10:14 am
    Kobe Bryant, the Los Angeles Lakers star guard came out against giving hometown discounts to the teams they are already playing for calling them a coup for team owners. Further he cited that the players’ association new leader would not be going for them either and would also be critical of them. A hometown discount is when a star player will accept less money that what is offered on the market to stay with their current team or to go to a team of their choice. This allows that team to put together a better overall squad as a result of having more room under the salary cap which is…
  • Bye Bye Federal Reserve

    MichaelHaltman
    21 Nov 2014 | 7:24 pm
    The recent news of big banks JP Morgan, Goldman Sachs, and Morgan Stanley manipulating the commodity market should not be a surprise. We aren’t that too far gone from the 2008 economic collapse and here we are again with some of the same players from the 2008 collapse being involved in another economic scandal. In 2008 the banks Bear Stearns, Merrill Lynch, Morgan Stanley, Goldman Sachs, and Lehman Brothers had borrowed 33 dollars for every 1000 dollars of capital. The same kind of scandalous procedures caused the housing crash when they sold houses using questionable sub prime loans.
  • A Career Worth Noting: Sam Tabar

    MichaelHaltman
    21 Nov 2014 | 10:52 am
    For those of you readers that are in the finance industry, you’ll definitely know his name. But for those of you that don’t know, let me preface…Sam Tabar is a capital strategist and accomplished attorney, based in New York City. And he’s everywhere on social media these days, before I get into what he’s up to now, let’s take a trip back to where he started (FYI some of my info comes from his website). In 2000, Tabar graduated from Oxford University with honors. He continued his education a Columbia Law School where he served as Associate Editor of the…
 
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    The Economic Peephole

  • US Economy Grew at 3.9% Last Quarter

    MichaelHaltman
    25 Nov 2014 | 9:19 pm
    The news on the economy is good, at least for the period covering July-September. As per the Commerce Department, the economy grew by a robust 3.9%. The third quarter growth was the highest on record... [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • 400 Richest Taxpayers Pay 18% in Federal Tax

    MichaelHaltman
    25 Nov 2014 | 7:04 am
    The 400 richest American taxpayers are a good gauge on determining trends in the underlying economy of the United States. What it indicates is that they earned a lot more money in 2010 than in 2009... [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • Kobe Bryant Critical of Home Discounts

    MichaelHaltman
    24 Nov 2014 | 10:14 am
    Kobe Bryant, the Los Angeles Lakers star guard came out against giving hometown discounts to the teams they are already playing for calling them a coup for team owners. Further he cited that the... [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • Bye Bye Federal Reserve

    MichaelHaltman
    21 Nov 2014 | 7:24 pm
    The recent news of big banks JP Morgan, Goldman Sachs, and Morgan Stanley manipulating the commodity market should not be a surprise. We aren’t that too far gone from the 2008 economic collapse... [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • A Career Worth Noting: Sam Tabar

    MichaelHaltman
    21 Nov 2014 | 10:52 am
    For those of you readers that are in the finance industry, you’ll definitely know his name. But for those of you that don’t know, let me preface…Sam Tabar is a capital strategist... [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
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    Compare Australian Credit Cards and Offers

  • The Virgin Australia Velocity Flyer Card – 20k Bonus Points and Balance Transfer Offer

    Isaiah James Peralta
    20 Nov 2014 | 12:55 am
    Virgin Australia Velocity Flyer Review This is a rewards card tied to the Velocity program, where you’ll earn  point per eligible $1 spent up to $1,500 every month, then point per $2 spent once you meet that threshold. The annual fee for this card is , but this fee is waived for the first year. […] The post The Virgin Australia Velocity Flyer Card – 20k Bonus Points and Balance Transfer Offer appeared first on Compare Australian Credit Cards and Offers.
  • ME Bank Low Rate Credit Card – Rates & Fees

    Isaiah James Peralta
    11 Nov 2014 | 3:06 pm
    The ME Bank Low Rate Card offers a low cost solution to convenient shopping. Enjoy the same low rate for purchases, cash advances and balance transfers, and add up to eight additional cardholders for free. The post ME Bank Low Rate Credit Card – Rates & Fees appeared first on Compare Australian Credit Cards and Offers.
  • The American Express Business Card – Rates and Fees

    Isaiah James Peralta
    10 Nov 2014 | 10:27 pm
    The American Express Business Card combines the benefits of a credit card with the security of a charge card. You’ll earn rewards points for your purchases plus enjoy the convenience of spending with Chip, PIN and Contactless payments for your business. As a charge card, there is no pre-set spending limit and no interest charges for what you spend The post The American Express Business Card – Rates and Fees appeared first on Compare Australian Credit Cards and Offers.
  • The Qantas American Express Business Credit Card – Rates & Fees

    Isaiah James Peralta
    6 Nov 2014 | 9:53 pm
    The Qantas American Express Business Credit Card is designed for businesses. You’re able to earn rewards points for your everyday business spending as well as take advantage of features that help you track your business expenditure. The post The Qantas American Express Business Credit Card – Rates & Fees appeared first on Compare Australian Credit Cards and Offers.
  • Citi Prestige Card Review – Rates & Details

    Isaiah James Peralta
    29 Oct 2014 | 10:39 pm
    The Citibank Prestige gives cardholders access to a new world of benefits, with bonus points on signup, complimentary hotel stays, plus a balance transfer rate offer. The post Citi Prestige Card Review – Rates & Details appeared first on Compare Australian Credit Cards and Offers.
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    Good Financial Cents

  • GF¢043: [Case Study] Can You Retire Early with Only 1 Million Dollars?

    Jeff Rose
    24 Nov 2014 | 8:20 am
    I want to retire early with 1 million dollars. That statement has a nice ring to it, huh? I don’t think I’ve worked with a client yet that didn’t want to retire early, or wouldn’t be ecstatic if they had a $1 million portfolio. But as most of us already know, $1 million isn’t what it used to be. This article from USA Today makes the bold claim that $1 million isn’t enough to retire nowadays. Look, $1 million is A LOT of money, but to stretch that out for the rest of your retirement is tough. It’s even tougher with lower interest rates. The article…
  • GF¢ 042: Unlocking Your Inner Greatness with Ben Newman

    Jeff Rose
    17 Nov 2014 | 10:09 pm
    Ben Newman is on fire. And I’m proud to say he’s a friend, mentor and someone that oozes positivity into my life. Plus, he’s a die hard St. Louis Cardinals fan, so what’s not to love?   Here’s just a few of Ben’s accomplishments Super successful insurance agent (which he recently retired from) International speaker Author of 4 books (with a 5th on the way) Founder of The Continued Fight and Bootcamp Workshops High Performance Business Coach Loyal husband and proud father One cool dude Did I mention he’s only 35? Feel like a slacker yet?   Yeah, me…
  • Want to Win $2,500 of Apple Stock?

    Jeff Rose
    9 Nov 2014 | 10:27 pm
    I’m an Apple fanboy. A few years ago I got my first Macbook Pro and I haven’t looked back. If you were to visit the Rose household, you would see that the entire family is on the Apple bandwagon with 1 iMac, 2 Macbook Pro’s, 1 iPad, 3 mini iPads, 1 Time Capsule and iPhone’s galore. Yeah, we love Apple. When Nvestly, a new social investment platform, asked me to participate in a $2,500 Apple share giveaway to bring awareness to their recent launch I was totally onboard. What is Nvestly? Within Nvestly, users can follow Facebook friends or the network’s top performing…
  • GF¢ 041: How to Silence Your Haters (and shake it off, shake it off)

    Jeff Rose
    4 Nov 2014 | 9:07 am
    Haters goin’ hate, hate, hate. Shake it off. Shake it off. –Taylor Swift Haters gonna hate. Because that’s what they do. If you allow their words to infect you, they’ll never go away. Their words will sting and paralyze you from achieving what you’re destined to. Do not let that happen. Silence the haters and just like Taylor says, “Shake it off“. What if I Would Have Listened? What makes haters so dangerous is that sometimes they are hard to identify.  They can be friends, family, and co-workers. Most of the time they don’t even realize that…
  • How Do You Know When To Stop? Sometimes You Have to Just Shut up Listen (Giveaway Details)

    Jeff Rose
    3 Nov 2014 | 11:30 am
    It. Something doesn’t feel right about it. You keep doing it although you’re not sure why. Even worse you start to resent it. You want to quit it, but quitting just sounds weak. “Only losers quit” screams through your mind. At least it was with mine. That it is another one of my blogging projects that I’ve been running with amazing wife for the past 3 years. That it is named Dollars and Roses. The Honeymoon The initial idea behind the blog was a joint blog that my wife and I would run and show people how we make money with blogging.   (If you didn’t know she was a blogger, you…
 
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    One Family's Blog

  • Tracking Charlie Munger's Daily Journal Portfolio - Q3 2014 Update

    ks
    25 Nov 2014 | 2:12 am
    The spreadsheet below show Charlie Munger's Daily Journal US stock holdings as of Q3 2014. Please visit our previous updates to get an idea on how the portfolio has progressed: To know more about Charlie Munger, check out the book Poor Charlie's Almanack: The Wit and Wisdom of Charles T. Munger. To learn more about how to profit from a strategy of cloning hedge fund picks, check out [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • Tracking Edward Lampert's RBS Partners Portfolio - Q3 2014 Update

    ks
    25 Nov 2014 | 2:01 am
    Below is a spreadsheet that shows the changes to Edward Lampert's RBS Partners US long portfolio holdings as of Q3 2014. To have an idea of how the holdings have progressed click on our previous update:   To learn more about how to profit from a strategy of cloning hedge fund picks, check out our book Profiting from Hedge Funds: Winning Strategies for the Little Guy. [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • Tracking David Swensen's Yale Endowment Holdings - Q3 2014 Update

    ks
    25 Nov 2014 | 1:46 am
    Below is a spreadsheet that shows the changes to Yale Endowment's US long portfolio holdings as of Q3 2014. To have an idea of how the endowment's holdings have progressed click on our previous update: To learn more about their investing style and philosophy and how to profit from such strategies, check out our book Profiting from Hedge Funds: Winning Strategies for the Little Guy .  [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • Tracking Leucadia National Portfolio - Q3 2014 Update

    ks
    25 Nov 2014 | 1:34 am
    The spreadsheet below show Leucadia's US stock holdings as of Q3 2014. Please visit our previous updates to get an idea on how the portfolio has progressed:  To learn more about their investing style and philosophy and how to profit from such strategies, check out our book Profiting from Hedge Funds: Winning Strategies for the Little Guy . [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • Tracking WIlbur Ross's Holdings - Q3 2014 Update

    ks
    25 Nov 2014 | 12:30 am
    Below is a spreadsheet that shows changes to Wilbur Ross's US long portfolio as of Q3 2014. To see how his portfolio has progressed, click on our previous update: To know more about Wilbur Ross, check out the book The Vulture Investors. To learn more about their investing style and philosophy and how to profit from such strategies, check out our book Profiting from Hedge Funds: Winning [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
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    Cash The Checks

  • 8 Tips For Black Friday Shopping

    Edwin C.
    22 Nov 2014 | 11:16 pm
    Black Friday has always been a holiday that bargain hunters have eagerly awaited. The day after Thanksgiving officially kicks off the Christmas season and some savvy shoppers flock to the stores hoping to get great deals on the latest gadgets, clothing trends and more. However, in the last five years Black Friday shopping has become even more intense than it was in years past with stores opening earlier – even on Thanksgiving – and online deals rivaling those in stores. Before you head out for Black Friday this year, check out the following 8 tips to stay organized and on budget.
  • 6 Ways To Save Money On Your Next Vacation

    Edwin C.
    14 Nov 2014 | 9:07 pm
    Going on vacation can help you relax and recharge. Most working people find they are ready to get back into the swing of things with a renewed vigor after having a week or two of vacation time. For families, vacations are a great way to make memories and spend time together. However going on vacation can be really expensive. Use the following 6 tips to save money on your next vacation and make a getaway more of a reality. Use Smartphone Apps Download apps on your phone to find cheap food and entertainment at your destination. Apps like Foursquare and Scoutmob are the most popular, but they…
  • 4 Ways To Save On Homeowners Insurance

    Edwin C.
    20 Oct 2014 | 2:00 pm
    Homeowners insurance is something that everyone needs when they own a home. The reason has less to do with your own preferences and more to do with the bank’s requirements, but that doesn’t mean it’s any less important. Like other types of insurance, homeowner’s insurance varies widely from one provider to another, so it’s important to get the best rates possible on your policy. Just because homeowners insurance is something you have to buy doesn’t mean you can’t find ways to save money on it. Luckily, there are plenty of options for scoring discounts on your insurance and…
  • 5 Ways You Can Live Without A Vehicle

    Edwin C.
    7 Oct 2014 | 1:01 am
    If you’ve always had access to a car, ditching your wheels may seem like a scary endeavor. But if you’re lucky enough to live in a city or an area with good public transportation, it’s entirely possibly to get rid of your car and still get by quite comfortably. Living the car-free life will save you money on gas, repair bills, car payments and car insurance. If the savings sound appealing, read the following 5 tips for living without a vehicle. Ride A Bicycle To Work A bike will be your new wheels and best of all, it doesn’t run on costly fuel. Besides letting you easily…
  • 9 Tips For Lending Money To Friends And Family

    Edwin C.
    25 Sep 2014 | 11:11 pm
    While lending money to friends and family is generally considered a bad idea, sometimes you have to make a small loan to help those you love get by. If you have the means, helping can be done if you’re smart about your personal lending practices. The last thing you’d want is to lose a friend or start a family feud over money. To avoid any problems, employ the following 9 tips when lending money to friends and family. Don’t Cosign Loans Don’t put yourself in a bad situation by cosigning on a loan, getting them a credit card or letting them use your credit to get a cell…
 
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    AuctionWally.com

  • Mid-Century Dining Room Set

    walt kolenda
    16 Nov 2014 | 4:23 pm
    Mid-Century Dining Room Set Attached are photos and more details about the dining set for which I requested and purchased an appraisal at your site. THIS IS A DINING SET I BOUGHT USED IN NORTH CAROLINA IN 1978 FROM THE ORIGINAL OWNER.  PAPER TAG STAPLED UNDER CHAIR READS “UNITED FURNITURE CORP. LEXINGTON, N.C.”  STENCILED  UNDER CHAIR IS “NO. 1445 ZENITH COLOR 06 BLACK PLA.”  THE TABLE WITH ITS 1 LEAF IS 68″ x 38 “. THE ORIGINAL OWNER MADE NEEDLEWORK CHAIR SEAT COVERS AND ADDED THEM TO THE 6 CHAIRS . THE CHINA CABINET MEASURES 50″W x 65″H x…
  • Antique Chinese Wooden Peddler Statue Value

    walt kolenda
    16 Nov 2014 | 3:47 pm
    Readers note: Although Joe indicates interest in having three appraisals done here, two of those appraisals were sent to him privately and not posted here. This pages includes: Antique Chinese Wooden Peddler Statue Value The Peddler is a common figure. The peddler Joe says: Hello, In casting about for an appraisal I am looking for the right fit. As you will be able to tell from the pictures, these items are not worth a fortune, so I don’t want to spend a fortune on them, but I am looking for reliable information. I believe I have found the right place. I am interested in selling these…
  • Fire in Magnolia Village – Gloucester, MA

    walt kolenda
    27 Oct 2014 | 6:20 am
    Fire in Magnolia Village – Gloucester, MA Sunday morning the residents of Magnolia village in Gloucester, MA experienced and all too familiar scene – a historic building was on fire. The building  which housed Magnolia Pizza, located at the corner of Norman Ave. & Fuller St. was a total loss to the fire. Unfortunately, the building had three apartments above it. But the the village is very grateful that no human lives were lost in the fire, nor apparently where there any injuries. The owner of the building (Tony Dimituro) who discovered the fire, ran through the building…
  • Roll Top Oak Desk Appraisal

    walt kolenda
    26 Oct 2014 | 10:09 am
    Kristi asks: Hello!  I purchased an online appraisal for a Roll Top Desk and Chair that is part of my father’s estate.  I am needing a value of this for his estate inventory.  The desk is actually in excellent condition but is extremely dusty.  The desk top measures approx. 50 inches X 30 inches and the chair seat is approx. 22 X 19 and the back rest of the chair is 30 inches tall from the base of the seat.  From what I can tell is that it originally belonged to a Dr. E. M. Tyler of Auburn Ne in roughly the 1910’s. Any help that you can provide would be appreciated. Thanks so…
  • Wedding Cake Chandelier Appraisal

    walt kolenda
    24 Oct 2014 | 9:01 am
    Chandelier Appraisal Hello Wally, Here are the pictures of the chandelier. My mother bought a home and it had a few lighting fixtures she would like to get rid of, but we have no idea how much to sell them for. The realtor didn’t know anything about the light other than it is crystal. Here are the pictures, please let me know if you require other angles. The first is the whole chandelier.  The second is from the top looking down. The third is from the bottom looking up. The fourth is from a side angle looking down. The fifth is on the of the crystals from the bottom of the chandelier.
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    Financial Highway

  • How I Used Credit Cards and Loyalty Rewards to Save More than 50% on My Last Vacation

    Miranda
    3 Nov 2014 | 2:00 am
    I’m not much of a penny pincher. When it comes to the grand scheme of things, I’m more interested in enjoying myself, and getting the best bang for my buck than in getting something as cheaply as possible. But that doesn’t mean I don’t go for value — and it doesn’t mean that I won’t use resources to my advantage. When my son and I went to San Diego for his spring break, I saved more than 50% by utilizing the credit card rewards and loyalty program rewards I had accumulated. A week-long trip that should have cost more than $2,000 instead cost around…
  • 5 Tips for Discussing Money with Your Life Partner

    Miranda
    27 Oct 2014 | 3:00 am
    We’re always told that money should be something that is regarded without emotion. When we make decisions about money, we are supposed to be rational so that we don’t make poor choices. Unfortunately, money stirs strong emotions in us. It’s very difficult to leave emotion out of it entirely. This seems even more apparent when you are discussing money with your life partner. Both of you might be passionate about what you want done with the money, or you might be both resentful of the financial situation you find yourselves in. As you get ready to discuss money with your life…
  • 5 Tips for Improving Your Credit After Making a Big Mistake

    Miranda
    20 Oct 2014 | 4:00 am
    Most of us have made mistakes with our money. But what happens when you make a big, credit-destroying mistake? And it doesn’t even have to be a massive mistake like those that result in foreclosure or bankruptcy. Simply overlooking a utility bill when you move, or canceling a gym membership improperly, can result in a huge credit score drop. On top of that, a lot of little problems can add up to one big mistake if you aren’t careful. It can be discouraging to make these mistakes and then watch your financial life fall apart. The good news is that your credit doesn’t have to…
  • Getting Your Money Game Right

    Ray
    15 Oct 2014 | 4:00 am
    While some people manage their money impeccably, most of us are dropping the ball to some degree. Often times, it doesn’t have a serious impact, and we could just stand to be a bit better with our savings or budget a bit more tightly. For those of us really off-track, our poor money habits can have serious consequences. If your money issues are nagging at you on a regular basis, there’s a good chance you are in a sticky situation or are quickly headed down that road. Here are just a few tips to get back on track. Time to Face the Music This part may be a bit painful, but you really…
  • 5 Tips for Writing a Winning Cover Letter

    Miranda
    14 Oct 2014 | 4:00 am
    The job market is tough right now, and that makes it all the more important for you to stand out when applying for a job. One of the best ways to stand out is to write a cover letter that highlights your qualifications, and catches the positive attention of hiring managers. If you want to stand out — in a good way — your cover letter is the way to do it. This is often the first thing that a potential employer sees, whether you include it as a hard copy, or send it as an email. Here are 5 tips that can help you write a better cover letter: 1. Know the Audience Rule #1 whenever you…
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    Credit.com

  • Can You Actually Haggle on Holiday Gifts?

    Christine DiGangi
    26 Nov 2014 | 9:01 pm
    With all the spending people do during the holidays, it’s a huge priority for some people to save as much money as humanly possible. That’s part of the reason behind the popular Black Friday and Cyber Monday events, not to mention the slew of early bird sales and relentless ads consumers encounter this time of year. Battling Black Friday crowds and chasing sales aren’t the only ways to save money on holiday gifts. You may want to consider negotiating for the prices you want, rather than running around town to find them. We asked some experienced negotiators to share their…
  • The 5 Worst Credit Card Mistakes You Can Make

    Jason Steele
    26 Nov 2014 | 9:01 pm
    Like any powerful tool, credit cards can be useful or harmful, depending on how they are used. Used wisely, credit cards offer a secure and convenient method of payment along with impressive benefits and valuable rewards. Yet when cardholders make mistakes, it can lead to costly fees, interest charges, debt and ruined credit. So keeping that in mind, here are the five worst credit card mistakes that you can make. 1. Paying Late If you think about it, cardholders receive an amazing deal. They can buy what they want now and pay for it later — borrowing money at an interest rate of 0% by…
  • How Much Will Your Holiday Debt Really Cost You?

    Christine DiGangi
    26 Nov 2014 | 9:01 pm
    Last year, the average holiday shopper spent $407 between Thanksgiving Day and Sunday, according to the National Retail Federation, but that’s sometimes just the beginning of end-of-year spending sprees. Let’s start with a simple scenario of how much this could really cost: You only spent that $407 and finished your holiday shopping during the Thanksgiving weekend, and you put all your purchases on a credit card. You have a few options: Pay the balance in full when it comes due, make minimum payments or choose another amount to pay each month, until the bill is satisfied. That…
  • 3 Insider Tips for Getting the Best Airfare Deal

    Gerri Detweiler
    26 Nov 2014 | 9:01 pm
    If you love to travel but have a limited budget, one way to fly for cheap is to cash in the miles or points you get from a rewards credit card. But if you haven’t earned enough rewards to take the trip you want, there is another option: Find cheap airfares. Despite all the information available to consumers online, however, finding bargains can be time-consuming and confusing. Steffan Ileman, who for many years ran a travel agency and airline consolidation (airline ticket wholesale) business, has written a book, What the Airlines Don’t Tell You, designed to share what he learned. Some…
  • How to Budget for Student Loan Payments

    AJ Smith
    25 Nov 2014 | 9:01 pm
    The annual cost of college education has risen by 130% in the past 20 years, according to the College Board, so it’s no surprise so many of us have student loan debt. Finding out if you can afford your student loan payments is an important preliminary step, but making the payments happen can prove even more challenging. These tips can help ensure you make your payments without sacrificing the other expenses in your life. 1. Explore Your Options Look into student loan repayment options that suit your lifestyle. In standard repayment, you have a set amount you pay monthly over a period…
 
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    StepChange MoneyAware

  • Will interest rate rises leave you struggling with your mortgage?

    James
    20 Nov 2014 | 6:34 am
    Don’t get caught out by interest rate rises! There’s been a lot of talk over the last few years about interest rates going up. Lots of opinions and lots of speculation, but what does it mean in real terms? Do you know what would happen if your mortgage increased 2%? Have you got a plan in place? It might sound quite daunting but it’s better to be prepared. That’s why we’ve covered some of the likely questions you’ll be asking yourself if you’ve got a mortgage and worry that an increase could tip your finances over the edge. But first things first, let’s talk about “base…
  • Insulate your home on the cheap

    Rory
    20 Nov 2014 | 1:21 am
    The snowflakes are real, honest! Last year I discovered my new flat was about as well insulated as a beach hut. Every room and window seemed to be letting in a draught but since I’m from Yorkshire I tend to think that as long as it’s above freezing it’s warm enough for shorts. My other half disagreed and decided we’d have to make the place as warm as we could, for as cheap as possible. Thankfully another Yorkshire trait means I know how to save a ‘few bob’ so after a quick brew I cracked on with it. Here’s what I did… 1. Window insulation If you live somewhere with…
  • 8 frugal but delicious soup recipes

    Laura
    19 Nov 2014 | 7:10 am
    Cheap and tasty winter warmers As it’s getting colder and the nights are drawing in, one of the perks is snuggling up in your PJs with a hot bowl of soup. It’s even better when you’re watching a trashy show on telly at the same time, but enough about my Saturday nights.   As well as being good for you, soups are cheap and incredibly easy to make. You can actually get some pretty decent flavours from not that many ingredients. All you need to get started is some stock cubes and some salt and pepper. A hand blender can come in handy too, which you can pick up quite cheaply in big…
  • The ultimate Christmas DIY gift guide

    Jenny
    14 Nov 2014 | 8:27 am
    DIY Christmas gifts Remember when you were a kid and it was perfectly acceptable to give someone the misshapen clay pot you’d made in school at Christmas? I miss those days. Life was simpler back then. Fast forward 20 years and I’m currently stressing out about buying gifts – and it’s only November. “Tis the season” and all that but unfortunately it’s an expensive season that actually only lasts a day. Can’t we all decide on a universally acceptable amount to spend on each other at Christmas? Is this something we can vote on? Until my utopia is formed (it’s only a matter…
  • Scam alert! Have you had an email notice to appear in court?

    Laura
    13 Nov 2014 | 2:00 am
    Have you received a worrying email? Spam emails containing viruses aren’t a new invention – they’ve been used by criminals online since the dawn of time. Well, since the dawn of the internet at least. Although there’s more technology to help us spot spam emails these days, unfortunately they continue to wreak havoc in people’s lives. As well as causing fear and playing with emotions, they wreck computers and drain bank accounts. Luckily, this isn’t something clients tell us they experience often. But when they do, we want to make sure you’re aware too. What should I keep an eye…
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    Free Money Wisdom

  • Christmas Shopping with Online Catalogs – How to Control your Spending!

    Jon the Saver
    26 Nov 2014 | 5:22 pm
    When it comes to holiday shopping, online catlogues are a great way to save. Not only do they offer lower prices, and allow customers to pay the full purchase price off over a period of time, they also offer great holiday gifts for everyone on the list. So, how can you avoid overspending, when the holiday season rolls around? These are a few tips to help keep you within budget, when the busy holiday shopping season kicks in. Choose a select few – By choosing two to three catalogues, you will limit yourself on purchases being made. With hundreds of online catalogues, many shoppers will…
  • How to Start a Side Business for Easy Extra Cash

    Jon the Saver
    24 Nov 2014 | 3:08 pm
    How to Start a Side Business for Easy Extra Cash Learning how to start a side business in order to make a little extra cash may prove to be extremely complex and very difficult for most. Taking your future into your own hands and becoming your own boss is an exhilarating and wonderfully exciting task. Before initiating a business, it is imperative that you are ready for the challenge, on both a personal and professional level. You should decide on your business idea, determine the market potential for your business, determine how much money you are able to invest in the business to get it up…
  • Make Extra Money As a Blogger For Hire

    Jon the Saver
    18 Nov 2014 | 2:54 pm
    Want to make extra money as a blogger? It’s possible. It’s also not as easy as it might seem. While your writing dreams are well within reach, your income expectations may require adjustment! There are a few great places where it is easy to get set up and begin submitting your writing. In some cases, it’s almost as simple as that. While there are many bloggers out there and there are a lot who are earning great incomes from it, they are the exceptions. Most bloggers write to supplement existing revenue streams, and most use it as a means to get opportunities to speak to live audiences.
  • Save Money like a Boss

    Jon the Saver
    13 Nov 2014 | 10:41 am
    Save Money like a Boss If you want to save money like a boss, you are going to have to start thinking like a boss! Do not get caught up in the excuses for not saving money. It may seem like external forces are keeping you from saving money but the truth is a little more heartbreaking. If you are not saving money, it is because you do not want to. WAIT! Before you angrily click away, stick around a few minutes and learn why how you think about money is affecting what you are doing with it. (Trust me, you will be glad you did) Assets and Liabilities You might think a discussion on assets and…
  • 5 Smart Internet Businesses To Start for Under $50

    Jon the Saver
    6 Nov 2014 | 9:07 am
    5 Internet Businesses to Start There are many business ideas available on the internet. If you have an interest in learning how to start your own business, it is quite likely that you have already researched many of these ideas. Unfortunately, many of the business ideas that you are easily able to stumble across require a large initial investment. The truth of the matter is, most people that utilize the World Wide Web in order to discover business ideas are doing so because of the fact that their current income is limited. Therefore, it is virtually impossible for many with an entrepreneur…
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    Help Me To Save

  • Scotland to Introduce Stamp Duty Replacement

    Karen Bryan
    25 Nov 2014 | 10:50 pm
    Stamp Duty is one of the most unfair UK taxes. For a start, the Stamp Duty threshold has been at £125,000 since 2006.  A one bedroom flat in many parts of the UK costs at least £125,000. Then there’s the fact that once you reach the threshold, you have to pay Stamp Duty on the […]Scotland to Introduce Stamp Duty ReplacementHow to save money. Copyrighted content published on Help Me To Save.
  • Five Things to Take into Account When Becoming a Freelancer

    Karen Bryan
    25 Nov 2014 | 10:27 pm
    The UK is increasingly becoming a nation of self-employed workers, with many employees becoming freelancers, either by choice or circumstance. If you’re thinking of making this move, here are five things of which you should be aware when you are thinking about being a freelancer. Pension Provision If you’re a member of a workplace pension […]Five Things to Take into Account When Becoming a FreelancerHow to save money. Copyrighted content published on Help Me To Save.
  • Tariff Comparison Rate (TCR) Makes Comparing Energy Prices More Confusing

    Karen Bryan
    23 Nov 2014 | 10:00 pm
    When I read about the new ‘EDF Energy Blue+ Price Freeeeze’ fixed rate until 31 May 2018 deal, I decided to take a closer look. Our current EDF fixed rate deal expires next year, so I’m on the look out for a new fixed rate deal. As I’m already an EDF customer, I was able […]Tariff Comparison Rate (TCR) Makes Comparing Energy Prices More ConfusingHow to save money. Copyrighted content published on Help Me To Save.
  • Tips on Finding the Cheapest Flights

    Karen Bryan
    20 Nov 2014 | 10:55 pm
    The Annual Flight Study by momondo, the flight and hotel price comparison site, offers three tips to help you find the cheapest flights. These tips were based on examining 7.5 billion fares over 100 popular routes. 1 – When to Book Your Flight The biggest saving can be gained by when you book your flight. […]Tips on Finding the Cheapest FlightsHow to save money. Copyrighted content published on Help Me To Save.
  • Will Europe Reach Pressure Point?

    Karen Bryan
    18 Nov 2014 | 10:34 pm
    The short fictional story Pressure Point written by Thomas Hughes and published by ABN AMRO Commercial Finance, describes a future financial crisis in the European Union involving power politics. The story is related in the first person by a German business man, Klaus Pinsel. Russia secretly builds a gas pipeline for supplying the Chinese market, […]Will Europe Reach Pressure Point?How to save money. Copyrighted content published on Help Me To Save.
 
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    NerdWallet Credit Card Blog

  • 6 States Where the Birthrate is Increasing

    Katie Ryan O'Connor
    26 Nov 2014 | 5:20 pm
    American women are having fewer and fewer children — unless you live in Delaware or North Dakota, which are among the six states where women are bucking the trend and having more babies. New figures from the U.S. Census Bureau show that from 2009 to 2013, the states that posted an increase in the rate of women who gave birth in the past year were: Delaware, South Dakota, New Hampshire, North Dakota, Virginia and Hawaii. The birthrate in the rest of the nation was either flat or declining. And even in many of these most fertile of states, the birthrate has jumped around in the past…
  • Rejected for a Bank Loan? Here’s Where to Turn Next

    Tony Armstrong
    26 Nov 2014 | 11:51 am
    Newly launched businesses that lack a track record of financial success may find it difficult to obtain loans from banks and credit unions. With half of all new enterprises folding within five years, financial institutions are often wary of businesses defaulting on their loans. Fortunately, budding entrepreneurs can take advantage of a number of other options to raise the capital they need. Here’s a look at some of the more popular lending alternatives available to small business owners. 1. Crowdfunding As the name suggests, crowdfunding raises capital by pooling together contributions from…
  • Carrying a Small Credit Card Balance: Problem?

    Erin El Issa
    26 Nov 2014 | 9:00 am
    Carrying a small credit card balance from month to month can have big consequences. The Nerds recommend paying of your credit card balances each month so you can avoid paying interest, keep credit utilization low and stay out of debt. Here’s what you need to know about the drawbacks of carrying a balance — even a small one. Small balance + small limit = big credit utilization percentage If your balance is small, but your credit limit is also small, your credit utilization will be higher than advised for a good credit score. Credit utilization is the amount of your debt balance in…
  • 4 Credit Card Tips for Shopping Small Business Saturday

    Erin El Issa
    26 Nov 2014 | 7:00 am
    Mark your calendars — Nov. 29 is Small Business Saturday! Small Business Saturday is the Saturday after Thanksgiving, which joins Black Friday and Cyber Monday as the kickoff for holiday shopping. As the name suggests, it’s a day to shop small businesses as opposed big-box stores. If you’re planning on hitting up your favorite local shops for Small Business Saturday, heed these four credit card tips to save yourself and the small businesses you’re patronizing some cash. 1. Get rewarded for supporting your local economy A rewards credit card gives you cash back or travel rewards on…
  • Take These 5 Steps Now to Cut Your Data Security Risks

    Anna Helhoski
    25 Nov 2014 | 2:23 pm
    Around this time last year, hackers breached 40 million accounts held in Target computers and 70 million files containing names and personal information. The company missed warning signs, and before officials there knew it, the hack had became the biggest in U.S. retail history. Hacking is only getting more common, making your personal data potentially vulnerable during this holiday shopping season. Retailers including Neiman Marcus, Sally Beauty Supply, Michaels, Home Depot and others reported data breaches this year. Most recently, a malware infection embedded in Kmart’s payment systems…
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    Card Hub

  • Using Merchant Category Codes To Maximize Your Credit Card Rewards

    John Kiernan
    26 Nov 2014 | 4:27 pm
    Merchant category codes, or MCC’s, are often overlooked – in fact, not many consumers even know they exist. Essentially, merchant category codes are 4-digit numbers that credit card networks – such as VISA, MasterCard, American Express and Discover – assign to businesses in order to classify them into certain industries. Because these codes are based upon the types of goods and/or services a merchant provides, they can range from industries as broad as “groceries” and “fuel” to those as specific as “wig and toupee stores.” Though MCC’s were originally created by card…
  • Annual Percentage Rate: What It Is, How It Works and What to Avoid

    John Kiernan
    20 Nov 2014 | 8:05 pm
    The Annual Percentage Rate (APR) is the approximate yearly cost of borrowing money from a financial institution.  It reflects the interest and/or fees assessed in conjunction with your balance and serves as a basis for choosing between similar financial products (e.g. between multiple credit card offers or mortgages). Source http://www.cardhub.com/edu/annual-percentage-rate/
  • 2014’s Most Popular Gift Cards & 8 Gift Card Tips

    John Kiernan
    20 Nov 2014 | 3:00 am
    There are a few things we can count on every year during the holidays: time off from school; an overweight, bearded out-of-towner breaking into homes via chimney; tone-deaf neighbors singing at your doorstep; embarrassing antics at office holiday parties; eating a bit too much; and, of course, gift cards. Gift cards are the most sought after type of present for the eighth straight holiday season, according to the National Retail Federation, with 62% of consumers hoping to receive one this year. But not all gift cards are created equal, and it’s important to understand which ones are the…
  • Why We Are Going to Court for CardHub Users

    Odysseas Papadimitriou
    18 Nov 2014 | 4:25 pm
    People often ask me what separates CardHub from the various other credit card comparison websites that exist in the marketplace.  One of the reasons, I say, has to be CardHub’s commitment to the consumer.  It truly is our mission to provide consumers with all of the tools and information they need to make the best possible decisions for their wallets. Sure, you might be thinking, but any CEO would say that! While that might be true, CardHub really does go to the mat for the folks who use our website.  In fact, allow me to share a story that illustrates just how far we’ll go for you.
  • 2014 Deferred Interest Study: The Retailers with the Sneakiest Financing Offers

    Alina Comoreanu
    18 Nov 2014 | 5:00 am
    The busiest shopping period of the year is right around the corner and sales are expected to increase by 4.1% from last year’s holiday season, reaching up to $616.9 billion, according to the National Retail Federation. During this period, financing options begin to seem more and more appealing to consumers. In addition to the regular financing options available during this period, a number of special promotions will surface as well. Most of these promotions are actually deferred interest plans.  Often advertised with bold tag lines stating “0% Interest for 12 months” or “Special…
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    CreditDonkey

  • 23 Reasons Why You Should Buy an Engagement Ring

    26 Nov 2014 | 12:00 am
    Shouldn't your love be enough? Is a engagement ring necessary? Maybe. Here are the 23 reasons why engagement rings are important and why you should buy one.
  • 10 Financial Pitfalls to Avoid in Your 20s

    25 Nov 2014 | 12:00 am
    There’s nothing like being in your 20s. You have newfound freedom, you get to make all the decisions, and time is on your side. For sure, the world awaits you.
  • Why Shopping While Feeling Sad Will Cost You

    24 Nov 2014 | 12:00 am
    If you’re feeling blue, you’ll want to think twice about going on that shopping spree. Studies have shown that our mood can have a great effect on how we spend our money. Sadness will likely lead to unwise shopping decisions.
  • 23 Foods Worth Making from Scratch at Home

    24 Nov 2014 | 12:00 am
    There’s a revolution underway. It’s a revolt against processed foods. Those pushing for so-called “clean eating” praise its “better for you” benefits, but it can also be good for your wallet.
  • Chase Ink: 10 Reasons to Get This Deal

    24 Nov 2014 | 12:00 am
    Before you apply for the Chase Ink, read this expert review of the 10 reasons to get the credit card and 6 reasons to avoid it. Is the Ink Cash and Ink Plus worthwhile? The answer may surprise you.
 
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    Rhonda Sherwood

  • Moving from Employee to Retiree: How to Make your Pretax Dollars Stretch

    Rhonda Sherwood
    25 Nov 2014 | 3:55 am
    Are you about to make the move from employee to retiree, which means going from a guaranteed salary to drawing down your savings and living off of pension income? If so, be prepared, as this tends to be a jarring time for most people. No longer will you be focused on accumulating your wealth but instead, you are be depleting it. During this stage in life, the advice of your financial advisor becomes invaluable, especially during the five years prior to retirement and the first five years of retirement. Small mistakes can have big financial consequences when you are moving from employee to…
  • Delaying OAS Payments: Good Idea for your Retirement?

    Rhonda Sherwood
    18 Nov 2014 | 1:28 pm
    Many people have questions and concerns about how delaying OAS payments will affect their retirement income. Not only will Canadians have to wait longer to receive Old Age Security (OAS) payments, but another change to the rules means that people who opt to start receiving payments later will receive a higher amount each month. Does it make sense for you to decide to delay OAS payments to get more money later on? Let’s look at your options carefully to help you determine which choice is best for you. The Old Age Security Pension As a Canadian you are entitled to receive certain government…
  • 9 Questions to Think About when Planning your Retirement

    Rhonda Sherwood
    11 Nov 2014 | 12:41 pm
    If you’re like most people, you probably don’t have the time to assess your future retirement needs. However, with increasing life expectancies and concerns over the stability of our health care system and government/private pension plans, planning your retirement is a must. Planning your Retirement: Questions to Ask Yourself To help you get started, here are some questions to think about: 1. How much money will I need to last throughout my retirement years? Some experts say you’ll need up to 70% of your pre-retirement income to support your retirement lifestyle. 2. What will be my…
  • 3 Reasons you Should Add your Pet to your Will

    Rhonda Sherwood
    4 Nov 2014 | 3:56 pm
    Do you know who will take care of your pet if you should pass away? Most people assume that a family member will step in and take care of their companion animal. The reality is that many animals end up being taken to shelters after their owners die. Many times, the pets end up not finding homes and meet their own tragic ending. You can prevent this from happening to your beloved companion animal by pre-planning. Regardless of your age, if you have a pet you should have a formal plan in place to care for their needs should you become unable to look after them. Add you Pet to your Will: It just…
  • How to be Financially Wise After Losing a Spouse

    Rhonda Sherwood
    27 Oct 2014 | 4:55 pm
    Losing a spouse is considered the most stressful life event that someone can experience. You are grieving the loss of your partner and you must also come to terms with the fact that your life will never be the same again. At the same time, will need to make decisions for yourself and any minor children which can have a major impact on your lifestyle going forward. At a major crossroads in your life like this, you need a financial advisor who will listen to your needs to deal with urgent matters and longer-term goals. Financial issues in the Initial Days after Losing a Spouse When your spouse…
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    Recent Blog Posts

  • Debts Owed on Your Checking and Savings Accounts

    11 Nov 2014 | 12:18 pm
    Special issues arise if you owe money to a bank or other financial institution on a checking or savings account because of a negative balance on that account. We'll explore some of the important issues here. DEBTS OWED ON YOUR DEPOSIT ACCOUNTS When you have money in your checking or savings account, the balance on that account is the amount of money the bank or financial institution owes TO you. A checking or savings account is not intended to turn into a debt owed BY you to the financial institution. But that is what it does turn into if it has a negative balance. That can happen in a…
  • What Can You Do If you Paid a Relative Money Before Filing for Bankruptcy?

    5 Nov 2014 | 11:49 am
    If you have made a payment to a relative or friend for a debt then it may be treated as a preference. To learn more about preferences go to:Should I Pay Relatives Money I Owe Them Before Filing Bankruptcy? The most straightforward way to avoid a payment(s) you've already made be challenged as a preference is to wait beyond the one year since the (last) payment was made before filing your bankruptcy case. That also avoids the problem altogether. WHAT IF I JUST CAN'T WAIT BECAUSE OF PRESSURE FROM CREDITORS? There certainly are situations when you cannot wait for the one-year preference…
  • Should I Pay Relatives Money I Owe Them Before Filing Bankruptcy?

    5 Nov 2014 | 10:56 am
    Prior to filing for bankruptcy you should avoid paying relatives and friends any money owed to them. Paying them any money owed prior to filing for bankruptcy can be treated as a "preference". WHAT'S A "PREFERENCE"? It's a payment you made to a creditor within a certain amount of time before you file bankruptcy. The payment is considered to be "preferential"—that you somehow favored that creditor—based on its timing and on some other conditions. Whether your payment is a preference or not matters because the creditor to whom you made a…
  • Eliminating Checking and Savings Account Debt in Bankruptcy

    26 Sep 2014 | 7:13 am
    Special issues arise if you owe money to a bank or other financial institution on a checking or savings account because of a negative balance on that account. We'll explore some of the important issues here. DEBTS OWED ON YOUR DEPOSIT ACCOUNTS When you have money in your checking or savings account, the balance on that account is the amount of money the bank or financial institution owes TO you. A checking or savings account is not intended to turn into a debt owed BY you to the financial institution. But that is what it does turn into if it has a negative balance. That can happen in a…
  • What is the Statute of Limitations for Debt in California?

    11 Sep 2014 | 11:56 am
    IN CALIFORNIA HOW LONG IS THE STATUTE OF LIMITATION ON A DEBT? That simple question has a rather simple answer: 4 years on a claim for breach of a written contract. That's plainly stated in California's Code of Civil Procedure § 337(1). Unfortunately, that is just the beginning of the question practically speaking. For example, what starts that 4 years rolling in the first place? What can interrupt it? Once it expires, what can restart that 4 year-period all over again? And when does California's 4-year statute of limitations apply at all instead of some other state's…
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    The Penny Hoarder

  • Tight Holiday Budget? 10 Free and Low-Cost Christmas Gift Ideas

    Steve Gillman
    26 Nov 2014 | 10:00 am
    Whether times are good or bad, Christmas can be hard on any budget. Between the tree, ornaments, other decorations, parties and, of course, the gifts, holiday costs can add up: the average U.S. consumer spent $866 on Christmas presents in 2007, according to Statista.com. When tough times hit in 2008, that figure dropped dramatically to $616, and it has since increased to an average of more than $700 per year. Ouch! If rent or other expenses have to take priority this year, you might need to cut back on your gift expenditures. If you don’t want to adopt my extreme solution —…
  • Find Yourself Throwing Away Food? 5 Strategies for Minimizing Food Waste

    Ally Piper
    26 Nov 2014 | 3:00 am
    How much food do you throw away on a weekly basis? Whether it’s the leftover takeout that sat in the fridge just a little too long, or the bunch of kale that wilted before there was time to turn it into kale chips, most of us have had to regretfully throw out an item or two. The average family wastes $600 of food each year, says registered dietician Nicole Cormier. That number actually sounds conservative when you consider that Americans threw away 36.4 million tons of food waste in 2012, according to the Environmental Protection Agency. (Click to tweet this statistic.) Wouldn’t you…
  • Don’t Go Shopping: 12 Better Ways to Spend Your Time on Black Friday

    Heather van der Hoop
    25 Nov 2014 | 10:00 am
    What are you planning to do on Black Friday? Will you wake up at 4 a.m. to fight your way through crowds? Stand in line for hours only to discover that this year’s hottest toys are sold out? That doesn’t exactly sound like fun. And no, leaving Thanksgiving dinner to visit the mall on Thursday night isn’t the answer, either. Instead of battling the crowds as suggested by this tongue-in-cheek post, put your time to better use. Erin Burt shared 10 great ideas for Black Friday on Kiplinger, which inspired me to add to her list. Here are 12 more smart strategies to make the most of your time…
  • 10 Simple Ways to Save Money on Thanksgiving Dinner

    Kelly Gurnett
    25 Nov 2014 | 3:00 am
    It’s a traditional Thanksgiving tableau: family members gathered around a glowing table, enjoying yummy food and cozy conversation as they all wear matching, autumnal-hued sweaters. Or maybe that’s just the image in my head. In reality, it usually winds up being more like uncles in football jerseys sneaking peaks at the game in the living room and toddlers running around the table. Either way, Thanksgiving is a time to gather and eat delicious food with loved ones. But there’s a nasty flip side to this pretty picture: if your family was selected to play host to this year’s big meal,…
  • A Side Hustle for Amateur Photographers: Take Holiday Family Portraits

    Susan Shain
    24 Nov 2014 | 10:00 am
    The holidays may abound with opportunities to spend money, but for the savvy Penny Hoarder, they’re also filled with opportunities to make money. If you’re a shutterbug, one easy way to make money is by taking family portraits. People flock home for the holidays, which means a rare opportunity for whole families to be together. Many families would love to capture this special time, but they assume (probably correctly) that a professional photographer would cost more than they want to spend. That’s where you, the amateur photographer, come in. Since it’s not a super important one-time…
 
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    Learn Financial Education

  • Means You Can Employ to Protect Yourself Against Credit Card Fraud

    Gily Tenorio
    31 Oct 2014 | 7:54 am
    The use of credit cards have always been attributed to convenience as a means of payment for goods and services albeit via electronic means. In contrast to paper money which bulks when stacked, a credit card’s value is defined by the number of credits its holder can spend which he or she borrows from the bank.   It is so convenient you can pay for good or services remotely via the internet using it – no longer needing to travel to a particular shop just to pay for goods or services. But just like paper money, credit cards are prone to loss, misuse, and theft – the latter two of…
  • How to Invest in ETF in the Philippines

    Gily Tenorio
    12 Oct 2014 | 5:01 am
    One of the recent investment opportunities in the Philippines these days is the exchange-traded fund or ETF. The first ETF in the country is the First Metro Philippine Equity Exchange Traded Fund inc. (FMETF) managed by First Metro Asset Management Inc. (FAMI).   FAMI is a subsidiary company of the Metrobank Group which also manages several mutual funds such as Save and Learn Equity Fund, Balance Fund, Fixed Income Fund, Money Market Fund, and OWN Fund.   What is ETF?   ETF is a hybrid of stock and mutual fund. It is like a mutual fund being traded like a stock. All ETFs can be…
  • What are the Differences between Mutual Funds, UITF and VUL?

    Gily Tenorio
    12 Sep 2014 | 9:38 pm
    Investment thing is becoming popular through the years as financial literacy are going on a spotlight in the Philippines. Many TV programs and websites are focusing more on how to save money, invest the money you have and how to earn more money for future needs.   There are several ways on how to invest your money and it is available for small investors like you and me. In the Philippines, you can now invest in mutual funds, UITF or VUL. If you have higher amount of money, you can even start investing in the stock market.   For this blog post, we will concentrate our topic on mutual…
  • My 5th Anniversary with Google Adsense

    Gily Tenorio
    9 Sep 2014 | 4:40 am
    Today, September 9, 2014, when I opened my Google Adsense account, this one shown in my account:     I didn’t notice it’s already 5 years ago when I joined Adsense, many things happened along the way. There are ups and downs in the Adsense earning but hope it will continue for more years to come.   Thanks Google Adsense for the opportunity to be a partner! If you want to join Adsense, here’s a good way to start: http://www.google.com/adsense/start/ What to Read Next: My Blog was Hit by Google Panda How to Earn Money with Google Adsense My Google Adsense Proof…
  • Happy Chuseok!

    Gily Tenorio
    8 Sep 2014 | 3:48 am
    I would like to greet a Happy Chuseok for all those who are in Korea. It’s a little bit late greetings but nonetheless, I hope you will enjoy long holidays with your loved ones.   For those who doesn’t know about Chuseok, it is like Christmas or Thanksgiving in the US where families gather together, eat together and have family reunion. Normally, people visit their parents even if they are far away. What to Read Next: 11 Reasons I am Thankful for 2011 Happy New Year! My New Blog Design
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    Don't Go Alone: Your Freedoms and the Law

  • 3-D Printed Firearm Leads to Jail Time

    Justin Kelsey
    3 Nov 2014 | 2:08 pm
    According to Mashable, the first person to go to jail for making a 3-D printed firearm was a 28 year old man from Japan, Yoshitomo Imura.  Read more about the story here.In Japan gun ownership is heavily restricted and there is no exception for 3-D printed guns, though the arrested man claimed he didn't understand he was breaking the law. In Massachusetts, a 3-D printed firearm will be treated like any other firearm manufactured in your home.  Just because the technology has made it easier for more people to manufacture firearms doesn't change the legality of doing so.  For…
  • Matthew Trask Accepts Position with Remington Arms Company, LLC

    Justin Kelsey
    31 Oct 2014 | 1:04 pm
    We are very excited to announce that on November 10, 2014, attorney Matthew Trask will assume the role of Compliance Manager for Remington Arms Company, LLC in Ilion, New York.  He will be managing the compliance team for their New York facility, and will be responsible for maintaining Remington’s compliance with the Bureau of Alcohol, Tobacco, Firearms & Explosives (BATFE) regulations, including the NFA, GCA, ITAR and other applicable state and federal laws. Although this departure from Massachusetts will prevent Attorney Trask from directly representing firearms clients in the…
  • Is Making a Firearm in Your Home Legal?

    Justin Kelsey
    9 Oct 2014 | 5:57 am
    This past week, a compact, inexpensive, PC controlled CNC mill produced by Defense Distributed, capable of making a metal lower for an AR-15 at home, has reignited discussions over the legalities of manufacturing your own firearm. The Legal Framework for Manufacturers:  The Gun Control Act of 1968 places numerous requirements on firearms manufacturers holding a Type 07 (or similar) Federal Firearms License, including requirements for record-keeping, import/export registration, serialization and marking of firearms.  These legally-required markings, including a unique serial number,…
  • Owning an SBR - Part 2: Complying with Federal, State and Local Regulations

    Justin Kelsey
    18 Sep 2014 | 9:06 am
    The National Firearms Act of 1934, in conjunction with Title II of the Gun Control Act of 1986, regulates the ownership of certain firearms, including Short Barrel Rifles ("SBR").  A Short Barrel Rifle is defined as any rifle having barrel length of under 16 inches, as measured from the face of the closed bolt to the muzzle, and/or having an overall length of under 26 inches. This is the story of how and why Kelsey & Trask, P.C. Partner and Holdover Consulting, LLC Principal Matthew Trask legally obtained an SBR.  Although this process was specific to the acquisition of an SBR,…
  • Good Idea, Bad Idea - Cosigning a Loan

    Justin Kelsey
    7 Aug 2014 | 7:20 am
    There are many good reasons why you may want to cosign a loan.  Some typical examples include helping a child obtain their college education by co-signing student loans, or assisting your spouse in purchasing a car. With any good idea, however, a small difference in the situation can make it a very bad idea.Many people are unaware of the consequences of cosigning a loan, and in many many instances cosigning may be a very bad idea.  Take just the two examples described above:  If your child is unable to find a job after college and therefore unable to pay their student loan,…
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    Consumer Help Central

  • Why You Should Opt For IBR Before Public Service Loan Forgiveness

    Jay Fleischman
    13 Nov 2014 | 3:00 am
    If you’re angling towards qualifying for public service loan forgiveness, you should enroll your federal student loans into income-based repayment. If you don’t, you’re probably leaving money on the table. Public Service Loan Forgiveness is a program for federal student loan relief commonly called part of, “The Obama Plan,” in spite of the fact that it was part of The College Cost Reduction and Access Act, passed by Congress and signed by President Bush in 2007. Under the program, Federal student loans were made eligible for tax-free forgiveness as a way to spur…
  • End Your Federal Student Loan Grace Period Early To Save Money

    Jay Fleischman
    11 Nov 2014 | 3:00 am
    When you leave school, you won’t have to begin repaying your federal student loan right away. That doesn’t mean you shouldn’t do just that. Stafford Loans come with a six month grace period that starts when you leave school or drop below half-time enrollment. During that six-month window, you won’t be required to make payments on your federal student loans. But consider this: if you apply for income-based repayment, your student loan payment is set at 15% of your discretionary income (the difference between your adjusted gross income and 150 percent of the poverty…
  • How To Make Sure Your Checks Clear Faster

    Jay Fleischman
    6 Nov 2014 | 3:00 am
    When you deposit money into the bank, you want to access it as fast as possible. Here’s why you may not always get what you want from the bank, and how to turn it around to your advantage. Before 2010, the banks were a mess when it came to new money. Sometimes you’d deposit money into your account and it would be available immediately, and other times it would take a few days to clear. With no clear rules on funds availability, consumers were perpetually confused. Expedited Funds Availability Act To standardize the process of depositing and clearing funds into your bank account,…
  • What To Do If Your Salary Won’t Cover Your Student Loan Payments

    Jay Fleischman
    4 Nov 2014 | 3:00 am
    When you graduate from college you expect to find a job that will pay enough to allow you to take care of those student loan debts. For many, however, that dream fails to turn into reality. Millions of people graduate each year, diploma in hand and stars in their eyes, only to find that their best employment option is in a field that doesn’t require a degree at all. Faced with a paycheck that barely covers gas for the car, the student loan bills quickly fall behind. It’s no wonder – after all, most student loans companies don’t broadcast their payment options. That…
  • Private Student Loans And Bankruptcy In A Cosigned World

    Jay Fleischman
    17 Oct 2014 | 6:29 am
    Would allowing private students to be discharged in bankruptcy really solve the problem? The CFPB (as well as just about anyone else who thinks about student loans on a regular basis) recognizes that the private student loan market is a lion’s den for students who need to borrow for higher education. The loans come with higher interest rates, offer none of the programs for income-based repayment or forgiveness of their federally-guaranteed counterparts, and, consequently, suffer a higher rate of default. Student borrowers, meanwhile, are faced with an ever-increasing cycle of collection…
 
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    John Rothe | Market Strategist, Portfolio Manager, Quant Guy, And Sometime Superhero To My Kids

  • Year End Stock Market Trends: Time To Celebrate?

    John Rothe
    20 Nov 2014 | 9:10 am
      Just a quick post from me on current market conditions as we enter the Holiday season: After shrugging off the US Ebola outbreak scare (see last week’s blog entry: Using Google Trends To Take Advantage Of Pullbacks: Ebola Case Study), the US equity markets have been quickly rising again.   Today, the markets are trading back near record high levels and are entering a historically strong period of the year. Investors tend to greet the holiday season with optimism, and that optimism tends to impact their investing outlook. As a result, the November – January period is…
  • Using Google Trends To Take Advantage Of Pullbacks: Ebola Case Study

    John Rothe
    14 Nov 2014 | 8:14 am
    The US stock market looks very different today compared to one month ago. In October, we saw the S&P 500 index break its multi-year trend and its 200 day moving average:   In addition, market fear, as measured by the “VIX” (aka the fear gauge) hit levels that haven’t been seen since 2012:   Many, including myself, became worried that the high levels of margin use would cause a much larger sell off and investors may not continue their trend of “buying the dips”. Instead, this pullback in the market became an opportunity for nimble investors. For…
  • Global Asset Allocation Strategy: November 2014

    John Rothe
    6 Nov 2014 | 8:49 am
    Each month, I update my global asset allocation strategy. This strategy is used as a relative strength based, research model that provides insight into how global investors are allocating their portfolios. Review Of October’s Allocations Last month we saw global investors becoming more cautious as the model shifted into US Treasury bonds. October was a relatively volatile month for US stocks, and the model’s allocation in US bonds helped the model miss the more extreme downturn: source: ETFreplay  This Month’s Allocations For November, the model still remains overweight US…
  • Using Inverse ETFs In A Long Short Investment Strategy

    John Rothe
    30 Oct 2014 | 9:21 am
    Over the last 15 years, inverse ETFs have become a popular investment vehicle used by many to help manage volatility and hedge risk within their portfolios. Why Do Inverse ETFs Matter? You might be saying, “I always thought that if my portfolio was diversified enough, I’d be alright through both bear and bull markets… isn’t that right?” Well, that’s partially true. However, during extreme market cycles, diversified portfolios do not insulate against major losses that can take years or even decades to recoup. A Diversified Portfolio In 2008-2009 Furthermore, you can…
  • Top Benefits Of ETFs Vs Mutual Funds

    John Rothe
    23 Oct 2014 | 9:07 am
    Puzzled by the choices and benefits of ETFs vs mutual funds? In my investment advisory practice, I typically use ETFs instead of mutual funds within a client’s investment portfolio. While ETFs are increasing in popularity, I have noticed investors don’t always know the benefits of ETFs over mutual funds. What Are ETFs? The best way to explain ETFs is to compare them with a traditional index mutual fund — like the Vanguard S&P 500 Index Fund (“VFINX”). To start, let’s define the term “index”: What Is An Index? A statistical measure of change…
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    Thirty Six Months

  • Looking for a Career Change?

    Marissa Anwar
    26 Nov 2014 | 8:16 pm
    Ever wonder why we’re so trigger happy to switch jobs? In previous generations, it wasn’t uncommon for someone to stay with the same employer – and often the same role – for the majority of their working life. Nowadays that is almost unheard of as people move between companies and industries on their climb up the corporate ladder. It’s also possible to completely change your direction at any stage in your working life and embark on a new career. While it may be daunting to think about learning something new, going back to school or leaving the stability of your current job, it…
  • Credit History: More is less and Less is more!

    Marissa Anwar
    19 Nov 2014 | 5:02 pm
    More payments, less (spending on) credit cards and more time, less interest. Does this sound confusing? Not if you look at it against the background of improving your credit history… Building up a good credit history takes time, and if it’s been tarnished for whatever reason, improving it will also take time. While you wait, it’s all about doing the right things right, paying off more rather than less to avoid attracting and spending less to over the medium to long term gain big in terms of your credit history or profile. Your credit history is all about your credit payment pattern over…
  • Free Things That Will Take Your Jamaican Vacation To The Next Level

    Marissa Anwar
    18 Nov 2014 | 11:31 pm
    Let’s talk about Jamaica, shall we? It is one of the most beautiful places on the planet, and has the culture to boot. I’m ashamed to say that for someone who loves warm weather,  this year was the first time that I had the pleasure of visiting the country.  And let’s just say that there is a lot more to the country than Bob Marley- although he is pretty fantastic. The Caribbean is the only part of the world that I suggest all-inclusive trips for.  Not only are you pretty much taken care of the entire time that you’re there, but it allows you to relax, and enjoy the…
  • How to Save Money on Food While Travelling

    Marissa Anwar
    29 Oct 2014 | 4:37 am
    I am a traveller by nature. I crave the thrill of the unknown and am planning to take a 5 month sabbatical to wander through South America to discover things that I haven’t even thought of yet. Travelling, however, is not a cheap hobby. In fact, it is most likely my most expensive indulgence. Most people travel and don’t pay attention to the cheap options that are in front of them when they are abroad, and end up spending twice as much as they really need to . Don’t get me wrong, I’m all for experiencing and indulging when I travel (hello, macaroons, and gelato!),…
  • Why Going To Conferences Is Worth The Money

    Marissa Anwar
    27 Oct 2014 | 4:56 am
    Conferences are way more than the speakers on stage, they are a lifeline to others just like you- others who are passionate about the same topics, and are quite possibly in the same stage of their career or entrepreneurship journey. Why Conferences? I’m a builder by trade. I help people and companies think outside the box when it comes scaling their businesses. It is, and will always be, my passion. That said, it’s really hard to find people who are in the same mindset that I am all the time. Don’t get me wrong, I did 9 years at one of the biggest communications firms in the…
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    Thirty Six Months

  • Looking for a Career Change?

    Marissa Anwar
    26 Nov 2014 | 8:16 pm
    Ever wonder why we’re so trigger happy to switch jobs? In previous generations, it wasn’t uncommon for someone to stay with the same employer – and often the same role – for the majority of their working life. Nowadays that is almost unheard of as people move between companies and industries on their climb up the corporate ladder. It’s also possible to completely change your direction at any stage in your working life and embark on a new career. While it may be daunting to think about learning something new, going back to school or leaving the stability of your current job, it…
  • Credit History: More is less and Less is more!

    Marissa Anwar
    19 Nov 2014 | 5:02 pm
    More payments, less (spending on) credit cards and more time, less interest. Does this sound confusing? Not if you look at it against the background of improving your credit history… Building up a good credit history takes time, and if it’s been tarnished for whatever reason, improving it will also take time. While you wait, it’s all about doing the right things right, paying off more rather than less to avoid attracting and spending less to over the medium to long term gain big in terms of your credit history or profile. Your credit history is all about your credit payment pattern over…
  • Free Things That Will Take Your Jamaican Vacation To The Next Level

    Marissa Anwar
    18 Nov 2014 | 11:31 pm
    Let’s talk about Jamaica, shall we? It is one of the most beautiful places on the planet, and has the culture to boot. I’m ashamed to say that for someone who loves warm weather,  this year was the first time that I had the pleasure of visiting the country.  And let’s just say that there is a lot more to the country than Bob Marley- although he is pretty fantastic. The Caribbean is the only part of the world that I suggest all-inclusive trips for.  Not only are you pretty much taken care of the entire time that you’re there, but it allows you to relax, and enjoy the…
  • How to Save Money on Food While Travelling

    Marissa Anwar
    29 Oct 2014 | 4:37 am
    I am a traveller by nature. I crave the thrill of the unknown and am planning to take a 5 month sabbatical to wander through South America to discover things that I haven’t even thought of yet. Travelling, however, is not a cheap hobby. In fact, it is most likely my most expensive indulgence. Most people travel and don’t pay attention to the cheap options that are in front of them when they are abroad, and end up spending twice as much as they really need to . Don’t get me wrong, I’m all for experiencing and indulging when I travel (hello, macaroons, and gelato!),…
  • Why Going To Conferences Is Worth The Money

    Marissa Anwar
    27 Oct 2014 | 4:56 am
    Conferences are way more than the speakers on stage, they are a lifeline to others just like you- others who are passionate about the same topics, and are quite possibly in the same stage of their career or entrepreneurship journey. Why Conferences? I’m a builder by trade. I help people and companies think outside the box when it comes scaling their businesses. It is, and will always be, my passion. That said, it’s really hard to find people who are in the same mindset that I am all the time. Don’t get me wrong, I did 9 years at one of the biggest communications firms in the…
 
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    Compare Wallet: Making Sure Your Money Isn't Accepting Second Best

  • The Ultimate Shopper’s Guide to Maximize Your Gift Budget

    Kari Luckett
    26 Nov 2014 | 10:23 am
    With the holidays among us, it can be a bit overwhelming finding out how to make the most of your money and figure out a way to find and afford everything on your list without going over your budget. We’ve created the ultimate shopper’s guide that will help you learn how to maximize your gift budget, take advantage of sales and help eliminate some of that holiday stress! Our infographic, Black Friday Countdown: Doorbuster Deals Without the Debt is packed with tips and tricks for shopping, avoiding debt, and creative ways to save money during the holidays and still spread some holiday…
  • Feds File Lawsuits in Scheme Related to Payday Loans

    Tom Kerr
    25 Nov 2014 | 11:07 am
    Anyone who reads my blogs knows that I am a huge fan of consumer protection, and that I am also an avid critic of the so-called “payday loans.” Don’t get me wrong; I have nothing against someone taking out a short-term loan to get their hands on some emergency cash. I fully support the legal and ethical lending community, and I depend on it all the time as a consumer. The axe I have to grind is with payday lenders. They often engage in what amounts to predatory lending practices by charging exorbitantly high rates of interest or tack on other unreasonable charges and fees. They are even…
  • Credit Cards in the News: November 15-21, 2014

    Chris Mettler
    21 Nov 2014 | 1:05 pm
    Credit card news pops up every week and it’s not always easy to keep track of each story, especially all the stories about credit card fraud. That’s why we provide you with a summary of the top stories on CompareWallet so you can read what matters the most and not have to worry about all the other stuff. Here are the highlights for November 15-21, 2014. FICO Score 9 Available to TransUnion TransUnion announced this week that FICO Score 9 is available for lenders and other businesses, which is good news for borrowers. The program is designed to improve how credit is reported, will provide…
  • EMV Credit Card Fraud Already Present

    Tom Kerr
    20 Nov 2014 | 8:37 am
    Three U.S. financial institutions recently reported that they were flooded with fraudulent credit and debit card transactions. What was particularly strange was that this happened despite the fact that the charges were attributed to the newer, more innovative, and much more secure, chip-enabled cards. Although the charges showed up as coming from credit cards with the newly embedded chip technology, the transactions were dated before these banks had even issued any chip-enabled plastic. Before you get too worried, I can reassure you that your chip-enabled cards are not flawed or vulnerable.
  • Citi Price Rewind Helps Shoppers Save Even More

    Chris Mettler
    19 Nov 2014 | 6:15 am
    With the holiday season right around the corner, Citi has updated their Citi Price Rewind program to help their customers save with ease. Citi Price Rewind helps cardholders shop and save smarter without having to clip coupons or track prices and while avoiding the holiday shopping crowds. Shoppers looking to save on electronics, apparel, sporting goods, furniture and more, can now receive even greater savings when they use Citi Price Rewind. Only Citi Price Rewind searches for a lower price after you buy – a benefit you won’t find anywhere but with Citi. When a lower price is found,…
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    Feeds : dailyworth

  • A Post-Thanksgiving Shopping Survival Guide

    25 Nov 2014 | 9:00 pm
    From Black Friday to Cyber Monday ’Tis the season of buying and spending. Or so it seems. If you’re like me, the thought of lining up in the cold, dark night to pounce on a discounted TV or half-price sweater makes you recoil. But despite the frenzied start, you likely do have a list and are checking it way more than twice to get the perfect gifts at the best prices. So when Black Friday (once only a day, now an entire week) rolls around, don’t collapse in a pile of panic and/or ennui. Make a plan, do your homework, and outsmart the retail engine. Here’s a day-by-day…
  • The Holidays Are Prime Time for ID Theft

    24 Nov 2014 | 9:00 pm
    6 Ways to Protect Yourself Our shopping habits put us at greater risk for identity theft during the holidays. We’re doing more shopping online, using our debit cards more frequently, and even applying for new lines of credit to snap up special offers. This all leads to one thing: greater exposure to identity thieves. Not to mention, we’re busy — and distracted. “It’s easy during the holidays to get sidetracked because you are rushing around trying to keep up with work, school, kids, parties, gifts, and the whole holiday hustle and bustle,” says Alexis…
  • Don’t Go Broke This Holiday Season

    16 Nov 2014 | 9:00 pm
    Your Guide to Frugal Cheer Finding it hard to feel festive when all you can think about is that fat credit card bill or those student loans you’re (still) paying off? Unfortunately, you’re not alone: three in four American households are currently saddled with some kind of debt. So, as we enter a new holiday season — with shoppers planning to spend even more than last year — here’s how to affordably take part in the giving season and keep a lid on debt. Plan Around Your Real Budget Aiming to cap your holiday spend at $500? Map out your spending…
  • How to Bounce Back From Credit Disaster

    3 Nov 2014 | 9:00 pm
    Your Credit Isn’t Ruined Forever A reader named Val wrote me after a stint of unemployment left her drowning in medical bills, student loan debt and collection accounts. She was working again, but the pay wasn’t great and she wondered if her credit would ever recover. “I have no idea how to grab hold of my credit score and get it to rise once again,” she said. Eighteen months later, after educating herself about credit, Val still hadn’t found a better job — but her scores were marching higher. She managed to pay off overdue bills and get collection accounts…
  • 5 Apps Changing the Way We Spend Money

    27 Oct 2014 | 9:00 pm
    Back in the Day When my grandmother lived in New York City in the 1940s, she paid 10 cents to ride the subway and complained about the cost. In the 1950s, she started using tokens (which cost a whopping 15 cents) — a nifty change in how she purchased transportation. Thirty years later, my father had credit cards at his disposal to make certain purchases (no cash required!). And now, in 2014, I could very well start paying for an array of items with my smartphone. If you have a smartphone, you have a ton of options when it comes to avoiding big banks, ditching (some) traditional…
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    Money Q&A

  • How To Save A Fortune Using Coupons And Loyalty Cards

    Hank Coleman
    24 Nov 2014 | 2:00 am
    I don’t mean to throw away coupons. It just happens. I stick them in my pocket, wait in line, go to the register and forget to use them. I also don’t return to the store and ask for my missed discount.You might think that it’s not such a big deal. What’s a dollar here or there? But, like most small things, these missing savings can add up over time. Have you ever looked at the savings printed on the bottom of your grocery receipt? What if you forget your loyalty card and coupons more often than not? We’re talking about some serious money if this keeps happening…
  • Buying an Investment Property

    Hank Coleman
    19 Nov 2014 | 2:43 pm
    Buying a property is stressful.  Buying an investment property generally means taking your personal tastes out of the decision, but paying close attention to details that will make the home pleasing to future tenants.  Here are some basic tips for buying an investment property. Get Pre-Approved Unlike with some personal home loans, investment property mortgages generally require at least a 20% down payment.  Make sure the properties you intend to buy are something that you can afford.  That said, you should attempt to get pre-approved for a mortgage before you start the search.  It would…
  • How Does Your Credit Score Compare to the Rest of the US?

    Guest Contributer
    10 Nov 2014 | 4:00 am
    Credit scores are a curious thing. On the one hand, they say a great deal about us; they indicate, at least to a certain extent, our fiscal responsibility. They’re used by banks, credit card companies, car dealerships, and many other institutions to determine our “creditworthiness.” What’s strange, then, is how difficult it can be to know just what your credit score is – and how to find it. I’ll give you some suggestions in a moment for how you can get your credit score for free. For right now, though, let’s put things in perspective. I want to pull back the curtain just a…
  • Affordable Homeownership: How To Get Help To Buy a Property

    Guest Contributer
    5 Nov 2014 | 4:00 am
    There are more would-be first-time house buyers than ever before, who think that they will find it almost impossible to get on the housing ladder without a bit of help to get them started with affordable homeownership. Many first-time buyers either have to make use of some funding from the bank of Mum and Dad if it is available, towards the deposit, or they turn to one of the homebuy schemes that have been set up to help people achieve their dream of owning their own home. Home ownership schemes There are currently four specific home ownership schemes that are being backed by the government…
  • Why Are You Wasting Your Reward Points?

    Hank Coleman
    3 Nov 2014 | 2:00 am
    You may not be fully aware of it, but you’re probably sitting on your own personal treasure hoard: a stash of airline miles, hotel points or reward points you’ve earned through your credit cards. According to statistics compiled by Points.com and its parent Points International (PCOM), a company specializing in helping consumers trade, exchange and redeem reward points, the average American is hoarding more than 61,000 reward points through various programs. Americans have more than 2.65 billion loyalty memberships — 21.4 per household. This would be fine if we were spending…
 
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    Forex Weekly Technical Indicators Statistic Record

  • Post Technical Analysis (16 - 22 Nov 2014)

    Meiji Jap
    21 Nov 2014 | 9:18 am
    MACD Settings:- First EMA = 12 | Second EMA = 26 | Signal EMA = 9 Stochastic Settings:- Period = 5 | Average Period Fast = 7 | Average Period Full =7 Bollinger Bands Settings:- Average = 20 | Standard Deviation = 2 Date: 22 Nov 2014 Time: 12:55 AM As expected all the pairs including EUR-USD, GBP-USD, USD-CAD, USD-CHF, USD-JPY, GBP-JPY, EUR-GPY, AUD-USD, etc are in the zone of turbulence
  • GBP-USD Technical Analysis (17 Nov 2014)

    Meiji Jap
    17 Nov 2014 | 7:12 am
    MACD Settings:- First EMA = 12 | Second EMA = 26 | Signal EMA = 9 Stochastic Settings:- Period = 5 | Average Period Fast = 7 | Average Period Full =7 Bollinger Bands Settings:- Average = 20 | Standard Deviation = 2 Date: 17 November 2014 Time: 10:51 PM (+8 GMT) GBP-USD Technical.Indicators 4 Hourly Daily Weekly Monthly MACD DOWN DOWN DOWN DOWN Full Stochastic
  • GBP-JPY Technical Analysis (8 Nov 2014)

    Meiji Jap
    7 Nov 2014 | 3:20 pm
    MACD Settings:- First EMA = 12 | Second EMA = 26 | Signal EMA = 9 Stochastic Settings:- Period = 5 | Average Period Fast = 7 | Average Period Full =7 Bollinger Bands Settings:- Average = 20 | Standard Deviation = 2 Date: 8 Nov 2014 Time: 7:06 AM (+8 GMT EUR-USD Technical.Indicators 4 Hourly Daily Weekly Monthly MACD DOWN UP UP UP Full Stochastic UP DOWN
  • EUR-GBP Technical Analysis (31 October 2014)

    Meiji Jap
    31 Oct 2014 | 1:05 am
    MACD Settings:- First EMA = 12 | Second EMA = 26 | Signal EMA = 9 Stochastic Settings:- Period = 5 | Average Period Fast = 7 | Average Period Full =7 Bollinger Bands Settings:- Average = 20 | Standard Deviation = 2 Date: 31 October 2014 Time: 2:55PM (+8 GMT) EUR-GBP Technical.Indicators 4 Hourly Daily Weekly Monthly MACD DOWN DOWN UP DOWN Full Stochastic DOWN
  • EUR-USD Technical Analysis (27 Oct 2014)

    Meiji Jap
    27 Oct 2014 | 7:24 am
    MACD Settings:- First EMA = 12 | Second EMA = 26 | Signal EMA = 9 Stochastic Settings:- Period = 5 | Average Period Fast = 7 | Average Period Full =7 Bollinger Bands Settings:- Average = 20 | Standard Deviation = 2 Date: 27 October 2014 Time: 9:09 PM (+8 GMT) EUR-USD Technical Indicators 4 Hourly Daily Weekly Monthly MACD UP UP DOWN DOWN Full Stochastic DOWN
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    Creative Money

  • How to be a Money Boss & expect more from your money

    Mindy Crary
    24 Nov 2014 | 10:19 am
    I’ve been a financial planner and business owner for almost 16 years and traditional finance services annoys me.  Yes, there are good people there.  But for the most part, it’s sucky.  It’s about minimum investments and products and insurance and asset management and BLAH-BLAH-BLAH…… You start to feel like if you don’t meet someone’s minimum requirements, you can’t play.  Or if you don’t have 6 months’ of expenses, Suze Orman is going to kick you out of the conversation. So many people opt out of the money conversation or personal finance because they feel like…
  • Get out of survival mode and into a prosperity mindset

    Mindy Crary
    18 Nov 2014 | 9:00 am
    If you’ve ever experienced money struggles (and who hasn’t?), sometimes it’s hard to get out of survival mode and into a prosperity mindset.I know that when I was going through a rough financial time, it was important to understand my personal dynamic before I could move forward in prosperity. The difference between survival and security When money is coming in regularly, it’s easier to feel confident that you’ll be provided for, and continue to secure, safe and supported.When there are money struggles, some people tend to panic and lose those secure feelings and start to feel a…
  • The Early Holiday Conscious Money Roundup

    Mindy Crary
    11 Nov 2014 | 9:00 am
    During this time of year, I actually go back and re-read an old set of blog holiday posts—almost like reviewing journal entries (if you keep one).These are the posts that remind me to stay sane now that the holidays are coming! It’s so easy to become completely unconscious during the holiday season…we eat too much, spend too much and experience WAY too much stress as the year closes out.We all have this image of the “perfect” scenario, and do what we can to try and fulfill it. Sometimes all of that expectation is too much.It brings up old resentments and frustrations.That’s…
  • Why you should never buy permanent life insurance

    Mindy Crary
    4 Nov 2014 | 12:54 pm
    I used to sell life insurance.  And for the majority of people, I believe they have no business buying permanent life insurance. Life insurance agents make claims, such as “permanent life insurance offers great returns,” or “it’s much safer than the stock market.”  However, my experience has been that permanent life insurance ends up being a money suck during a time when you need your excess cash flow the most. Why you need life insurance At its core, life insurance is about two things: Covering debts or goals that the surviving family would have a hard time…
  • Are you making the most of your employee benefits?

    Mindy Crary
    28 Oct 2014 | 12:06 pm
    I get it; figuring out your employee benefits is BORINGGGGGGGG.  But if you’re not maximizing your employee benefits, you might be missing out on valuable tax deductions or even free money!  Or maybe you’re missing out on opting into an employee benefit that can cover your ASSets in case of an emergency.  And November is open enrollment for most companies, so this is the perfect time to sit down and make sure you’re making the most of them. Standard employee benefits Remember that booklet that you were given when you were first hired?  That’s your benefits summary. I read a ton of…
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    Three Thrifty Guys

  • 8 Christmas Gift Ideas for the Thrifty Guy

    Aaron
    24 Nov 2014 | 3:28 am
    If you have a thrifty guy or guys on your Christmas list this year – allow us to offer a few suggestions for your review. Having been a guy for over 40 years now and a thrifty one for more than a quarter of those years – we might be able to lend some expertise. A few things to keep in mind when shopping for the thrifty guy: money or gift cards are always a welcome gesture be on the lookout for items that will help him save more money in the long-run and checkout items that will add value to his day-to-day While I can’t speak for every thrifty guy in the world – we…
  • Eliminate Gas Costs By Leasing an Electric Car

    Aaron
    21 Nov 2014 | 4:04 am
    A few months ago my brother and I were talking about thrifty living and he mentioned someone he worked with who leases an electric car – saving him a lot of money in fuel and auto repair costs. I’d never really heard of anyone doing this – and thought the idea was genius. Being that wife and I routinely spend over $350 per month in gas driving to our jobs and miscellaneous errands/travel – lowering this monthly “vehicle payment” would be a blessing. Plus, we’d be doing our small part in helping to save the environment, right? I wanted to get a hold of…
  • How to Register at Uber

    Aaron
    19 Nov 2014 | 4:27 am
    I’m sure you have heard all the fuss about a new ride-sharing service called Uber. The gist of it is that Uber uses Average Joe drivers that have cleared their background checks and hooks them up with folks that need rides to and fro via their smartphone app. Now, the “drivers” could be anyone, really. A college student, a stay-at-home mom, or retired Uncle John who wants to earn a little side cash. Uber requires that the driver pass their background check and their car be in excellent condition (year 2005+). There are also professional drivers in the mix as well. Why use…
  • A Couple Websites That May Help You Lower Your Medical Bills

    Aaron
    13 Nov 2014 | 4:12 am
    At work the other day we were notified that our medical insurance rates would be going up another 5% next year. While I was a bit disappointed at the increase, I don’t think this is all that bad considering the climate and direction of healthcare costs. Note: There is a poll embedded within this post, please visit the site to participate in this post's poll. Since healthcare is likely to keep climbing for the foreseeable future, I thought it would be good to get online and see if there are folks out there trying to find solutions and help people save more on their medical bills.
  • How to Lower Your DIRECTV Bill

    Charlie
    10 Nov 2014 | 1:00 am
    This past year marked our nine year anniversary of using DIRECTV for our TV service. This relationship has lasted a lot longer than I ever thought it would. However, that doesn’t go without saying that the relationship hasn’t had its bumps and bruises. Like any human relationship, it’s about give and take, and our experience with DIRECTV hasn’t been anything different. Here is what our current service looks like: “Total Choice Family Package” – 55 channels – $29.99/month DVR Services – $0.00/month for 12 months (normally a $10/month…
 
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    Nerd's Eye View | Kitces.com

  • Understanding The Mechanics Of The 0% Long-Term Capital Gains Tax Rate: How To Harvest Capital Gains For A Free Step-Up In Basis!

    Michael Kitces
    26 Nov 2014 | 4:01 am
    For “lower income” individuals whose income falls within the bottom two ordinary income tax brackets, the Internal Revenue Code applies a 0% long-term capital gains rate to the extent their gains also fall within the lower two brackets. However, the 0% rate only applies as long as the income actually does fall within those lower brackets – which means “too much” in capital gains will eventually cross out of the 0% rate and into the higher tax brackets. Nonetheless, the potential for 0% long-term capital gains rates means that for those who are eligible, the best thing they can do…
  • Will Financial Planners Be Forced To Reduce Or Unbundle AUM Fees As The Price Of Beta Goes To Zero?

    Michael Kitces
    24 Nov 2014 | 4:01 am
    As ETFs and indexing makes the raw cost of “owning the market” cheaper and cheaper, the question arises of whether or how advisors can continue to justify an ongoing AUM fee for an investment portfolio. For some, the cost is justified by the alpha or portfolio-related “advisor gamma” value-adds that are provided; for others, the benefit is the inclusion of financial planning services; and for the rest, the benefit may just be to help protect clients from themselves and their self-imposed “behavior gap” on returns. Yet the reality is that AUM fees are far more relevant for some of…
  • Weekend Reading for Financial Planners (Nov 22-23)

    Michael Kitces
    21 Nov 2014 | 12:02 pm
    Enjoy the current installment of "weekend reading for financial planners" - this week's edition kicks off with coverage of the newly shortened computer-based CFP exam that was administered for the first time this week, and also an announcement by the CFP Board in its recent business webinar that the public awareness campaign, and the additional $145/year fee that funds it, is expected to continue "indefinitely" (as long as the campaign results continue to be positive). In addition, the FPA also released this week a new study about advisors and growth, finding that advisory firms are…
  • Allocating A Portfolio In The Context Of Human Capital And The Rest Of A Household’s Total Balance Sheet

    Michael Kitces
    19 Nov 2014 | 4:01 am
    While portfolio management understandably focuses on how best to allocate a portfolio, the reality for many (or even most) investors is that their financial assets may not even be the majority of their total net worth, compared to other assets like real estate, the (illiquid) value of their pensions and Social Security, and for those who haven’t retired yet, their human capital. In fact, for younger workers, their human capital – or the present value of their future earnings from employment – may actually be the largest asset they own! Yet the reality is that assets like human capital,…
  • A Birthday Celebration, An FPA NexGen Graduation, And A Moment Of Rebirth

    Michael Kitces
    18 Nov 2014 | 8:15 am
    It is with mixed feelings that today I face my 37th birthday – a unique milestone for me, as it marks the maximum age threshold for NexGen, a group I helped to co-found 10 years ago (with the original inauspicious name of "Mouseketeers"!), and for which I was perhaps the most ardent advocate for having a maximum age as a requirement for membership. Now, a decade later and with no small amount of irony, I find myself being “forced out” – or as I like to put it, “graduating” – under the very age-based rule I fought so hard to keep in place early on. For me, today is a day of…
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    The Savvy Scot

  • Three ways to save time in the kitchen

    Pauline
    25 Nov 2014 | 4:40 am
    We are all busy, and we all want to spend time doing things that are important to us, be it spending more time with the kids, enjoying a hobby or focusing on our careers. Not doing routine tasks like cooking. Still, today I want to show you that there are ways to save time in the kitchen, so you still get to eat a healthy homemade meal without spending hours preparing it.     Credit   Multitask There are lots of advantages to cooking several dishes at once. 1. If the oven is already warm from the previous dish, you save a bit of energy not having to warm it up for the next. You…
  • What is the best gift you ever gave or received?

    Pauline
    24 Nov 2014 | 3:07 pm
    Christmas is fast approaching, and with it the pressure to buy the perfect gift for the ones you love. And sometimes, you just forget about it. So you end up on the 23rd frantically going from shop to shop, and end up buying the most expensive gift out of guilt. Something that will clutter the other person’s place and not be remembered. So will you help me here, and help my readers by sharing the best gifts you ever gave or received, to give us all a few ideas of cool yet affordable and thoughtful Christmas gifts? I’ll go first.   The best gifts I received, yes plural, were on my…
  • Rent out your spare room with Homestay.com and earn some extra cash

    Pauline
    21 Nov 2014 | 9:44 am
    Credit Most of us have been renters at some point in our lives. Whether it’s booking holiday accommodation, or long-term renting, we have all been part of the rental market. But renting doesn’t just have to be looked at with the dread of depleting your finances. By renting out your spare bedroom you could instead earn some extra cash. Homestay.com allows home owners to advertise their spare room on their website. Homestays are an increasingly popular form of accommodation that connects guests with individual hosts who have opened up their homes and rent out their spare rooms. The idea is…
  • Why is talking about money so taboo?

    Pauline
    21 Nov 2014 | 8:49 am
    I have always been curious about money. How people earn it, save and spend it fascinates me. And yet, from an early age, I was told “we don’t talk about those things”. Like religion, past boyfriends and political orientation, money is a taboo for many people. And like any taboo, not talking about it may damage your attitude towards it. Imagine having received no information whatsoever about romantic relationships, and not knowing how to behave around a boyfriend. That is terrifying and could even be dangerous. Not knowing how to handle your first paycheque is just that dangerous. You…
  • Enrolling In The Thrift Savings Plan

    Pauline
    10 Nov 2014 | 10:05 pm
    Hello everyone, please help me welcome Marvin from  www.brickbybrickinvesting.com and www.tspinvesting.com. You can connect with him on social media: Twitter | Facebook | Google + | LinkedIn. Many people have a lot of concerns about saving enough money for retirement, especially given the current state of the economy and the issues with various pension plans. In truth, the very things that most people once thought were completely safe and would virtually guarantee their ability to live comfortably in retirement; have turned into sources of contention as they discover virtually…
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    Zoho Blogs

  • ​Thank You India! Your Spirit Made It Happen

    Rahul Kumar
    26 Nov 2014 | 4:59 am
    Our much awaited Zoholics (Nov 20-21) India event just got over, and the response has been amazing. Thank you for showing such an overwhelming support to our efforts, to give the aspiring entrepreneurs from India, an introduction to cloud. As Sridhar Vembu (our CEO) said “It’s our way of giving a helping hand to small enterprises and saying ‘thank you’ to India whose innovation has fueled our global business. It’s not just an event, it’s our mission to enable Indian entrepreneurs with resources they will need to bring their business online. ‘Company…
  • 4 Easy Steps to Seal the Deal Using Zoho Writer

    Chinmayee Mishra
    24 Nov 2014 | 4:17 am
    Nowadays a growing number of business deals are taking place digitally. The two major factors – Time and Money – are driving businesses to create, share, collaborate and seal the deals online, without having to resort to the traditional methods. Scaling up to this trend, a number of software offering these online services are also mushrooming. While some offer a gallery of templates for easy content creation, others facilitate secure file sharing and digital signatures to make the process easier. In real, what every business needs is a tool which encompasses all these features…
  • Boost your holiday sales with these 5 email marketing tips

    Sarah
    20 Nov 2014 | 10:26 am
    For many businesses, the holiday shopping period is critical for generating revenue and garnering brand awareness. With the annual sales spike quickly approaching, businesses are planning new promotions and targeting their marketing efforts on customer appreciation. But even if your business does not directly profit from the holidays, you can still lean on the ubiquitous hype of the season to get creative with your email campaigns. If you’re vying for a piece of the sales pie this season, you have to compete with the 55% of brands using email as a top communication channel for…
  • Zoho.in provides Free domains for Indian businesses!

    Gautham G
    19 Nov 2014 | 6:52 am
    ​Zoholics: India is all about us sharing our journey through the years; in the faith that business owners would benefit from our experiences. We have decided to not stop with just that, however. Starting tomorrow, we are giving away .in and .co.in domains to businesses in India. India’s Micro, Small and Medium sized businesses have seen unprecedented growth over the last decade. Bangalore, in particular, has seen a visible rise, being one of the most entrepreneur friendly cities in the world. With trends pointing towards continuing growth in the industry, we believe that our business…
  • Customer Spotlight: How JusCollege Increased Their Sales from $1 Million to $20 Million in Only 2 Years

    Arun
    18 Nov 2014 | 11:59 am
    “Each of our sales was averaging between $10,000-$200,000 and we badly needed a CRM to help manage these large groups!” It was mid-2012, and JusCollege, a startup hospitality company focused on booking vacations for large groups of college students was just beginning to get traction. As co-founder Allan Teruel recalls, it was an internal incident which prompted the search for a CRM solution. “We were using Google Docs for sales tracking and one day we accidentally deleted a very key Google doc that had important customer information – this was because Google Docs was not really…
 
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    Money Estate - Personal Finance Tips Blog

  • Relocating your Business Venture to London: The Pros and Cons

    Money Advisor
    20 Nov 2014 | 2:40 am
    In recent times, the London property market appears to have decoupled from the rest of the British economy. More specifically, it has managed to maintain steady growth and consistently high property prices while other regions have floundered, and this trend gather further credence in 2014 as the value of London real estate peaked. There are […]
  • How do I find my pension?

    Money Advisor
    21 Apr 2014 | 2:40 am
    Have you got a personal pension plan but you don’t know its where abouts? Do you want to find it but don’t know where to start looking? This article will help you find your personal pension plan and how it’s performing, There are a couple of options available to you when you want to trace […]
  • Raising the Value of a Home: Solar Does More than Reduce Bills

    Aira
    26 Mar 2014 | 7:27 pm
    Wouldn’t it be nice to get your mail and find that there is a check from the power company instead of a bill? That is the experience that some Americans have on a monthly basis. Did you know that an average rooftop solar array could add up to $30,000 to the value of your home? […]
  • Best Money Management Online Tools

    Aira
    21 Mar 2014 | 1:18 am
    So much of our time is now spent online. From work, to social networking, entertainment and shopping. With virtually almost everything being done online now it’s easy for the things that we do off-line to pushed to the side and even forgotten. The trick is figuring out how to integrate all of those tasks to […]
  • Struggling To Get A Mortgage? Top Tips For Getting On The Housing Ladder

    Aira
    19 Mar 2014 | 1:29 am
    Many people in the UK believe that their financial status means that they’ll never be able to get on the housing ladder, as the prospect of getting a mortgage just seems to unrealistic. However, in many situations there are things that you can do to help turn the tables on your financial situation and work […]
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    Cult Of Money

  • Why I Don’t Shop on Black Friday

    Alexa Mason
    26 Nov 2014 | 12:15 am
    As a teenager I was always super excited when my Aunt would ask me to go Black Friday shopping with her. I didn’t really care too much about the deals (I didn’t have any money!) it was just a fun thing to do. You know, go to the mall and people watch while all the shopping centers were at maximum capacity. Then I became and adult and ever since have loathed Black Friday. It’s not that you can’t get any good deals because you certainly can. I’ll admit there are some people who do amazingly well with Black Friday shopping. But for me? I’ll pass. Here’s why I don’t shop on Black…
  • Why You Shouldn’t Wait Until the New Year to Set Your Financial Goals

    Alexa Mason
    19 Nov 2014 | 12:15 am
    So, it’s not even December and I’m already bombarding you with a new year’s resolution post. Crazy, right? Well, here’s the thing if you’re going to be setting a financial goal at the beginning of 2015 I think you need to hear this right now – Don’t wait to set your goal! I would hate to see you go into debt over Christmas just to make a goal to get out of that debt ten days later. It’s pretty counterproductive, right? Why You Should Set Your Financial Goals Now Just because January marks the start of the New Year does not mean it’s the only time you should set goals for…
  • How to Save Money Fast: A Step by Step Guide

    Alexa Mason
    12 Nov 2014 | 12:15 am
    There are times in your life when the ability to save money fast becomes a high priority. I’ve certainly been there before! Whether you’re saving for a large purchase like a down payment for a home or car, or just need some spending money (Christmas, anyone?) you can save money at a semi-fast pace. There’s only one prerequisite: you have to be willing to work hard! Since this is something I need to do right now to I thought I’d share my step by step guide for saving money fast. Calculate Your Bare Bones Budget and Live On It Your bare bones budget is the amount you need to hit all…
  • How to Break Down the Information in College Financial Aid Letters

    Robert Farrington
    12 Nov 2014 | 12:10 am
    If you are a student preparing for college, you will probably apply to between 5 and 8 different institutions. Every school is different, and prices can vary enormously, depending on a million different factors. You may be stuck in the middle, unsure of where you want to go. As always, the finances clarify matters quite a bit. But deciphering financial aid letters and navigating private student loans can be a bit daunting. We’ve broken down the finer points found in every financial aid letter you receive, everything you’ll need to understand the finances of your further education. Each…
  • 4 Ways to Cut Your Vehicle Expenses

    Robert Farrington
    12 Nov 2014 | 12:05 am
    Whether you realize it or not, your car can cost you a lot of money in several sneaky little ways. If you’re trying to minimize your spending, transportation is one area that you shouldn’t overlook. If you concentrate on these four things you’ll be able to easily spend less money on your vehicle! Optimize Your Gas Mileage It’s no secret that over the last ten years gas has become insanely expensive. Gas prices are actually dropping a bit now in my area but they are still far more than I’d like to pay! To save money on gas you need to optimize your gas mileage. Here are a few things…
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    PFhub - Business, Financial & Economic News

  • What The Capital Return Program Means for Apple Inc.

    Kaitlin Longmire
    26 Nov 2014 | 5:59 pm
    Apple Inc. (NASDAQ:AAPL) is a company under pervasive observation by financial analysts all over the world. The iPhone making company reached a per share price of $119.35 by the time markets closed on Tuesday, helping the company reach a total market capitalization of approx. $700 billion; with this milestone Apple got the top spot at […]The post What The Capital Return Program Means for Apple Inc. appeared first on PFhub - Business, Financial & Economic News.
  • Twitter Negotiating Purchase of Justin Bieber-backed Shots

    Andrew Moran
    26 Nov 2014 | 9:12 am
    On Tuesday, tech aficionados and investors were captivated by the news that Twitter CFO Anthony Noto accidentally sent out a tweet that was issued to the entire world: “I still think we should buy them. He is on your schedule for Dec 15 or 16 — we will need to sell him. i have a […]The post Twitter Negotiating Purchase of Justin Bieber-backed Shots appeared first on PFhub - Business, Financial & Economic News.
  • Google Inc. Concludes Lawsuit Concerning Web Abuse

    Kaitlin Longmire
    26 Nov 2014 | 8:58 am
    Abusive and vicious material was being shown on Google Inc.’s (NASDAQ:GOOG) search pages about a former Morgan Stanley banker Daniel Hegglin, which lead Hegglin to file a case against Google. The material popping up on Google said that Hegglin was Nazi and part of the Ku Klux Klan. Hegglin is based in Hong Kong and […]The post Google Inc. Concludes Lawsuit Concerning Web Abuse appeared first on PFhub - Business, Financial & Economic News.
  • Don’t Fall for Black Friday Sales, Thanksgiving is the Real Steal

    Andrew Moran
    26 Nov 2014 | 8:47 am
    On Thursday, will you be holding a turkey drumstick or a credit card? That’s the decision that many consumers are weighing this year as a growing number of retailers are participating in Gray Thursday, the Black Friday Creep or Turkey Day (whatever you wish to call it) and offering deals to anxious Christmas shoppers. Although […]The post Don’t Fall for Black Friday Sales, Thanksgiving is the Real Steal appeared first on PFhub - Business, Financial & Economic News.
  • Apple Inc. Smashes Through $700 Billion Market Cap

    Kaitlin Longmire
    25 Nov 2014 | 8:22 pm
    Apple Inc. (NASDAQ:AAPL) has come a long way over the years and went through its share of highs and lows through its journey. Today Apple is by far one of the leading hardware and tech companies in the market. It has come to a point where consumers start to search the web months before the […]The post Apple Inc. Smashes Through $700 Billion Market Cap appeared first on PFhub - Business, Financial & Economic News.
 
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    Squawkfox

  • 5 Budget-friendly tactics for surviving Black Friday

    Kerry
    19 Nov 2014 | 7:28 pm
    Having trouble viewing this? CLICK HERE 5 Budget-friendly tactics for surviving Black Friday Shopping Ditch the tent, lose the lineups, and leave your pepper spray at home. I'll help you stay on budget and save money in preparation for Black Friday. Read More... The Squawkfox Blog is by Kerry K. Taylor www.squawkfox.com Copyright © 2014 Squawkfox.com. All rights reserved.
  • How to make a sandwich

    Kerry
    16 Nov 2014 | 5:11 pm
    Having trouble viewing this? CLICK HERE How to make a sandwich Food, Saving When a fancy cooking program showed me how to make a simple sandwich, I got snarky and calculated the cost of lunch. Read More... The Squawkfox Blog is by Kerry K. Taylor www.squawkfox.com Copyright © 2014 Squawkfox.com. All rights reserved.
  • Are you frugal or cheap?

    Kerry
    6 Nov 2014 | 6:15 pm
    Having trouble viewing this? CLICK HERE Are you frugal or cheap? Saving Take the frugality test by answering these cheapness questions to see for yourself. Read More... The Squawkfox Blog is by Kerry K. Taylor www.squawkfox.com Copyright © 2014 Squawkfox.com. All rights reserved.
  • Is Dollarama’s $3 HDTV antenna worth it?

    Kerry
    24 Jun 2014 | 5:51 pm
    Having trouble viewing this? CLICK HERE Is Dollarama's $3 HDTV antenna worth it? Saving I bought a three dollar TV antenna from the dollar store. This is what happened. Read More... The Squawkfox Blog is by Kerry K. Taylor www.squawkfox.com Copyright © 2014 Squawkfox.com. All rights reserved.
  • Daddy plays. Mommy cries.

    Kerry
    1 Jun 2014 | 10:05 am
    Having trouble viewing this? CLICK HERE Daddy plays. Mommy cries. Depression My two-year-old daughter noticed something was wrong. My depression was back. Read More... The Squawkfox Blog is by Kerry K. Taylor www.squawkfox.com Copyright © 2014 Squawkfox.com. All rights reserved.
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    Finance and Money Savings Tips

  • Installment Loans From Credit Unions FAQ

    6 Nov 2014 | 7:24 am
    Installments loans are personal loans that are advanced by several types of banking and financial institutions. Installment loans are unlike payday loans in that the loans are not paid back completely in a single or few payments. Installment loans are paid in installments of a set period of time depending on the amount. These amounts can vary depending on the customer, institution, and state and federal state regulations. However, most institutions do have limits. These limits are based on the customers’ ability to repay, as well as, the stated regulatory authorities. Some installment loans…
  • Are Home Equity Loans Favorable Options Versus Signature or Personal Loans

    25 Sep 2014 | 9:52 am
    Will a Home Equity loan or a personal loan work better for you If you are short on cash there are a couple of ways you can look into to get some into your pocket. If you have good credit you could apply for a personal loan and borrow against your good credit history and reliability. If you are a homeowner and have some equity built up in your home you could borrow against that in a couple of different way. You could apply for either a home equity loan or a home equity line of credit. A couple of important features that might determine the way you want to borrow your money might be whether the…
  • Tips For Students Heading To College This Fall To Find The Right Credit Card Offer

    4 Aug 2014 | 10:18 am
    Graduating college is an exciting time in one’s life. However, going into the world with a degree in hand and no credit can present its challenges. Moving into your own place for example could be costly with high deposits, or you could be denied all together without a credit history. Even starting up utilities or Internet, TV, and phone service could cost you a hefty deposit. Without a credit history, companies cannot assess how credit-worthy you will be going forward and must assume you may be a high risk. As a result, many of them will require a deposit to protect their interests. In…
  • Living Paycheck to Paycheck Increases Potential For Poor Financial Decisions

    2 Apr 2014 | 7:11 am
    Living paycheck to paycheck leaves people vulnerable to financial disaster. The biggest problem is the future uncertainty that this presents should a life altering event take place. Employees think they are safe in their job and have no risk of unemployment. This mindset deceives them into managing their money in a careless manner. They do not feel the threat of financial troubles because they are use to a regular paycheck. Basically, they take this regular check for granted. As a result, they spend every cent they earn as fast as they can. It is a sense of entitlement. They think if they…
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    Wealthy Turtle

  • How Does 401k Vesting Work?

    Mike Collins
    21 Nov 2014 | 6:15 am
    You probably have a 401(k) through your employer which allows you to put money away for retirement, and if you’re lucky your employer also matches some of your contributions so your money will grow even faster. But what you might not realize is that company match isn’t automatically yours to keep and you might have to forfeit it if you leave your job before reaching minimum vesting requirements. But what is vesting and how does it work? When it comes to 401(k) plans, vesting means ownership.  You’re always fully vested in any money you contribute from your paycheck, those are yours…
  • Capital One 360 Online Savings Review

    Mike Collins
    19 Nov 2014 | 4:18 am
    If you’re looking for an online bank that offers interest rates far better than any brick and mortar bank plus a bunch of other customer-friendly features, I strongly recommend you consider opening a Capital One 360 savings account. I’ve had a Capital One 360 account for over two years now (back then it was called an ING Direct Orange Savings Account, until the company was acquired by Capital One).   Setting up and funding a new account  is a piece of cake and I couldn’t be happier with their services so far. Why I Love My Capital One 360 Savings Account I don’t know…
  • How to Attract Renters to a Home

    Mike Collins
    17 Nov 2014 | 2:32 am
    By Jennifer Riner of Zillow In a highly competitive rental market, large property management (PM) companies often meet prospective tenants eager to submit their applications for approval. Single-family homeowners looking to lease space in their primary residences or individual investment properties aren’t as lucky. Typically, word-of-mouth marketing best suits small-scale landlords, increasing the probability of renting to close family members or friends. However, word-of-mouth marketing isn’t the best solution for all circumstances. Some rental property owners need tenants sooner than…
  • Will Playing the Lottery Cost You Your Retirement?

    Mike Collins
    11 Nov 2014 | 2:09 am
    A true story of my friend Bill who wasted thousands of dollars on the lottery. The story you are about to hear is true.  Only the names have been changed to protect the ignorant. For a few years when my children were first born I worked part time at a department store.  It was pretty mindless work…scanning inventory, working out stock, loading furniture into cars for customers.  I can’t say I really loved working there.  Working two jobs is tough, and my part time work wasn’t exactly making me rich.  But it helped get us through some lean times, plus I met some pretty cool…
  • Skinnytaste Cookbook Review

    Mike Collins
    5 Nov 2014 | 2:47 pm
    I’m on a mission to lose weight and my wife is a big fan of the Skinnytaste blog, so when I had an opportunity to grab a free copy of the Skinnytaste Cookbook I jumped at it. When it came in the mail my wife practically jumped out of her shoes and dove right in looking for new dinner recipes that would be both healthy and full of flavor.  We’ve already used one recipe for dinner..the Mongolian Beef and Broccoli was out of this world and just bursting with flavor! I have a number of other recipes flagged so we can try them too, including the Kiss My (Shrimp and) Grits,…
 
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    Bank On Yourself

  • Expert Interview: Cultivating an Attitude of Gratitude

    Pamela Yellen
    14 Nov 2014 | 12:36 pm
    Did you know there is scientific evidence that gratitude can lower your blood pressure, improve your digestion, reduce your stress and boost your immune system? And it can have an amazing impact on how you respond to events, people and situations… and how they in turn respond to you. The wonderful thing is that it can be cultivated and nurtured.  Result:  You bring out the very best in yourself and your life and the best in those whom you love, work and play with. In my 30-minute interview with best-selling author Catherine Price, you’ll discover some practical tips for…
  • How to Raise Financially Savvy Kids, Teens and Grandkids

    Pamela Yellen
    5 Nov 2014 | 10:25 am
    Welcome to part three of our Your Money Revolution video training series. I hope you enjoyed the first two installments on how to spend less without feeling deprived, and “the silent enemy” in your retirement account that could be costing you hundreds of thousands of dollars in stealth fees. And thank you for all your notes and emails on how much you enjoyed them! Today, we’re going to talk about one of the biggest money drains on the planet… our children. Do your kids think money grows on trees? Are you tired of saying “no” to the constant requests for the…
  • The Secret to Living a Richer Lifestyle while Spending Less [Video]

    Pamela Yellen
    31 Oct 2014 | 7:55 am
    We had such a great response to the video clip from my new Your Money Revolution financial transformation program I posted a few days ago that I just couldn’t resist giving you another one. The first clip showed you how the fees charged even by supposedly low-cost mutual funds and ETF’s can devour up to 37% of your account value – and what to look out for. Today’s video clip will give you an idea of the wide range of strategies and tools we provide you in the Your Money Revolution coaching program for taking back control of your money and finances. This video clip is less…
  • Your Money Revolution Video Clip: How Mutual Fund Fees are Devouring Your Savings

    Pamela Yellen
    27 Oct 2014 | 8:27 am
    For the past year, I’ve been working full-time on creating a comprehensive go-at-your-own-pace coaching program designed to eliminate your biggest money worries – and let you take back control of your financial destiny. I call it “Your Money Revolution,” and initial response to the program has been terrific. Today I’m excited to share a 5-minute excerpt from this new program with my loyal subscribers. I want you to be able to see for yourself how truly life changing the information, tools and strategies that I’ve packed into this program can be. This 5-minute video…
  • End Your Biggest Money Worries in 90 Days

    Pamela Yellen
    21 Oct 2014 | 9:41 am
    The top-secret project I’ve been working on for a year is now live! As I mentioned in my previous emails, it has the potential to completely transform your finances and end your biggest money worries in short order. It’s a culmination of ten years of research… and the result of listening to the concerns of more than 92,000 subscribers to this ezine. I can honestly say that watching this video I’ve put together for you could end up being the single most important thing you do for your finances – bar none. And as one of my loyal subscribers and supporters, I wanted you…
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    Smarty Cents

  • Best Gifts for Frugal Foodies

    alissaharb
    25 Nov 2014 | 10:54 am
    For the meal planner, the coupon clipper, the bulk-buyer and all of the otherwise-budget-sensible food fanatics on your holiday shopping list—we’ve rounded up what we think are the ultimate picks for holiday gift-giving. From waste-reducing cookware to preservation tools, we’ve got the food lover on your list covered.   Crock-Pot Smart Slow Cooker A slow cooker is an avid meal planner’s best friend, allowing for extended cook-times, sans supervision, thus eliminating the hassle-factor of careful, conscientious meal planning. And this model takes that concept to an…
  • Do You Really Save Money at an Airport Duty-Free Shop?

    alissaharb
    24 Nov 2014 | 2:02 pm
  • 20 Brilliant Thanksgiving Leftover Recipes

    Ren Ellis
    24 Nov 2014 | 12:30 pm
    This year, rather than just the ol’ reheat, eat and repeat—create all new dishes from those turkey leftovers and sides. Arugula Pesto Turkey Tartine  What’s Gaby Cooking Turkey Cordon Bleu  One Sweet Appetite Cranberry Sauce Brownies  Confections of a Foodie Bride Leftovers Nachos  Girl Versus Dough BBQ Turkey Quesadillas  Mel’s Kitchen Cafe Quinoa Sweet Potato Patties Fabtastic Eats Breakfast Biscuits  How Sweet It Is Leftover Hand Pies The Hungry Housewife Turkey and Wild Rice Soup Mountain Mama Cooks Turkey Egg Casserole The Chic Life Turkey and Chorizo Breakfast…
  • Coolest Tech Gifts Under $50

    alissaharb
    23 Nov 2014 | 6:00 pm
    People love their gadgetry, and hey—ya gotta give the people what they want. In the interest of keeping things reasonable during the holiday season this year, we’ve curated a list of our favorite tech gifts and stocking stuffers for the season, all sliding in under $50.   The Wally Case from Distil Union For the no-fuss minimalist on your list, opt for the slim fit “Wally” wallet case for iPhone, courtesy of Distil Union. The combo wallet and phone case provides protection with the added convenience of a built-in storage compartment designed to hold your ID and credit cards. The…
  • Staying Financially Responsible During the Holiday Season

    alissaharb
    21 Nov 2014 | 4:00 am
    Your holiday spending extends beyond gift-giving—you also need to consider the cost of food, drinks, decor and all those travel expenses. It’s basically the season of spending money. And that’s okay. It is what it is. You could try to reimagine your holidays as something different, but we are creatures of habit, and our habit is to spend a lot on and around the holidays. What you should focus on is planning ahead. You may stash a little extra cash for gifts, or you may even set a strict budget for what you’ll need to spend on gifts, but what you can’t neglect to…
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    DINKS Finance

  • What I’m thankful for this Thanksgiving

    Kristina
    26 Nov 2014 | 2:14 am
      Photo Credit: Robert Hensley Good morning Dinks and Happy Thanksgiving.  Another year has passed and it’s time to look back on the past year and think about all the things we’re thankful for this year.  These are all the things I’m thankful for this year: My family, most of the time anyways.  My family has definitely had our ups and downs and I’ve shared a lot of that here on Dinks Finance.  I complain about my family, but at the end of the day I have to be thankful that I still have a family…what’s left of it.  At the end of the day I’m…
  • I don’t have savings goals

    Kristina
    24 Nov 2014 | 2:05 am
    Good morning Dinks.  It’s that time of the year again, time to start thinking about all the goals we achieved over the past year and time to start setting goals for the New Year.  So how did you do?  Did achieve your savings goal?  Did you max out your retirement accounts?  Did you pay off your credit cards?  I had two primary goals this year and I’m happy to say I achieved them both. I only had two goals in 2014 In 2014 I focused on two goals: travel as much as possible and move to a better apartment.  I traveled several times to New York City, once to Boston and of course…
  • Weekly roundup: Snow, IRAs and small spaces

    Kristina
    21 Nov 2014 | 2:00 am
    Happy Friday Dinks.  This week we had our first snow up here in Montreal and I wasn’t ready for it.  I guess it’s time to get out the ear muffs (yes I wear ear muffs) and winter coats.  I personally don’t adapt to the cold weather very well.  I’m one of those people who wear two sweaters, socks with slippers and sometimes a scarf indoors.  I was born and raised in the North East but I really don’t like the cold. Is it snowing where you live? Have a great weekend.  Enjoy these good reads from our friends: Modest Money – When Can I Afford to Take a…
  • How to get your house winter ready

    Kristina
    20 Nov 2014 | 2:00 am
    Here’s my personal confession for the week, my new apartment is cold.  It’s very very cold.  I mean we’re talking don’t want to get out of bed type of cold.  As you know Nick and I just moved into our apartment Oct 1 and we’re already freezing as fall gets closer to winter, I’m afraid to see how cold the temperature in our apartment is going to get in February. Trying to stay warm in a cold apartment Our apartment building was built in 1870 and up until last year it was always used as office space.  A year ago a real estate developer bought the building…
  • How do you set your budget?

    Kristina
    19 Nov 2014 | 2:00 am
    I know that setting a budget means living within your means and deciding how and when we want to spend our money.  But how do you set your monthly spending budget?  Maybe you budget based on what you earn or maybe you set your budget based on how much your expenses cost. Nick and I have always lived with fixed expenses because we had two fixed incomes.  We knew exactly how much we had coming in each month and therefore it was very easy to budget.  We paid our bills, set money aside for savings and spent everything else.  Up until last month we only had one living expense – rent. …
 
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    Wallet Hub

  • Surviving Zombie-Debt Collectors: A Texas A&M Law Professor’s Guide

    Unknown
    30 Oct 2014 | 6:05 pm
    Posted by: Unknown October 31 – Halloween – conjures up visions of ghosts, ghouls and other fictional monsters; however, a non-fictional monster, the zombie-debt collector, exists all year around. The typical zombie-debt collector is a purchaser of debt who preys on unsuspecting consumers. Consumers need to be prepared to defeat the claims of these monsters. Zombie debts arise from unenforceable or dead debts. The debts may be unenforceable against consumers because the debts never existed, as in cases of mistaken identity or identity theft.  Similarly, the debts may be unenforceable by…
  • The 110th World Series By The Numbers

    John S Kiernan
    21 Oct 2014 | 3:39 am
    Posted by: John S Kiernan It’s time to grab your peanuts and Cracker Jack because baseball’s big day has arrived. The 110th World Series is upon us, as the Giants and Royals square off. While this year’s Series lacks one of the various geographical rivalries that were possible at the onset of the playoffs, it does feature two hot, battle tested teams that have slogged their way through long odds to arrive at the precipice of a championship. That should make for a compelling match-up. And although we’ll have to wait to see who comes out on top (our experts have some guesses in the…
  • 2014 US Open By The Numbers

    Richie Bernardo
    21 Aug 2014 | 3:02 am
    Posted by: Richie Bernardo It’s that time of year again when the Big Apple plays host to the violent grunts of the world’s best tennis players and boisterous cheers from less-than-muted spectators. And it seems only yesterday that Rafael Nadal and Serena Williams owned their opponents on the court, both snagging their second and fifth championship titles, respectively, at the 2013 U.S. Open. But aside from trophies, the two winners also bagged a record $3.6 million each, including the main draw prize of $2.6 million for singles and all their other cash winnings up to that point. This…
  • Ask the Experts: The Economic Impact of the Child Migrant Surge

    Richie Bernardo
    15 Aug 2014 | 1:32 am
    Posted by: Richie Bernardo The images are disturbing: Thousands of apprehended child migrants cramped inside detention holding cells and sprawled across floors at bedtime. No parents and no certainty of their fate. President Obama has labeled the issue an “urgent humanitarian situation.” Others have described it as the ongoing “immigration crisis.” Since this past October, roughly 63,000 unaccompanied alien children, or UAC, have illegally crossed the border shared by the United States and Mexico. Between January and the end of July, nearly 40,000 UACs — the majority of whom fled…
  • 2014 FIFA World Cup By The Numbers

    John S Kiernan
    9 Jun 2014 | 5:24 am
    Posted by: John S Kiernan Are you ready for some football?  We obviously know it as soccer, but no matter what you call it, the beautiful game is set to captivate the globe as the 2014 FIFA World Cup kicks off from Brazil June 12.  After all, there is no shortage of story lines associated with the Brazil edition of this quadrennial celebration of sport.  From the home country’s last-minute scramble to ready itself for the world stage and the accompanying protests regarding the government’s massive infrastructure investment to questions of tourist safety and doubts about the stability…
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    Everyday Financial Strategies

  • 5 Reasons to Consider a Health Savings Account

    Robert
    24 Nov 2014 | 4:00 am
     This post was originally published on 12/3/2012. For most non-self employed people, it is “open enrollment” season. Usually, this is when employees renew or change their benefits for the new year. One of the biggest choices employees face is picking a health insurance plan. If you have the option of picking the Health Savings Account (HSA), here are 5 reasons you should consider opting in for 2013: Low premiums: A HSA has lower premiums because it has a high deductible. This may scare you, but higher premiums are usually accompanied by a policy that pays for 80-90% of…
  • A Little known way to save money in your budget; increase your insurance deductibles

    Robert
    17 Nov 2014 | 7:00 am
     Saving money in your budget can be done quickly by using the little known way of increasing your deductibles on some of your insurance policies. Before you run off to your insurance broker or agent to make changes to your policies, it is important that you understand how premiums and deductibles work. The higher your deductible, the lower your premium will be. That is because increasing your deductible means you are putting more skin in the game or risk for a potential event or claim. In other words, your out-of-pocket expenses will be more when an event occurs. Conversely, having a low…
  • 4 Constant Corrections YOU MUST MAKE in your financial plan

    Robert
    10 Nov 2014 | 7:51 am
     Whether you are out of debt and in the process of building wealth OR you are just starting out on a financial plan, there will always be the need to constantly make corrections. A well constructed financial plan is not set in stone. Life happens, and because of this fact, your financial plan will change. Proverbs 10:4 says, “Lazy hands make for poverty, but diligent hands bring wealth.” The book of Proverbs is considered the book of wisdom in the Bible. It is a must they you are are diligent in making constant corrections in your financial plan. Here are the 4 MUST…
  • It’s a shame for you not to practice accountability — when wealthy people do it everyday

    Robert
    3 Nov 2014 | 3:35 pm
     Do you have what it takes to be wealthy? There are characteristics that wealthy people have that contribute to their success. One trait is called accountability. The go-getters Self-made millionaires take personal responsibility for their actions, they hold themselves accountable for what they do. They do not complain. They do no blame others and play the victim role. They do not procrastinate, they get things done through discipline and goal setting. Being Average (or below average) Now let’s check yourself as it relates to your career or personal finances: Do you complain about…
  • 7 Steps to create an estate plan you can be proud of

    Robert
    27 Oct 2014 | 7:00 am
     Would you like to be able to leave a fortune to your heirs and pass along wisdom in handling money. This would be an estate plan you could be proud of. Estate planning is the anticipation and arranging for the disposal of your stuff to your loved ones. Your estate plan does not have to be complicated, just effective and thoughtful. Ultimately, to leave a financial legacy to your children and children’s children requires these five steps: Get a will: You don’t need to have a lot of stuff to justify having a will. This is simply a document telling your loved ones how your…
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    Modest Money

  • Recommended Online Forex Trading Resources

    Adam
    26 Nov 2014 | 6:15 am
    Forex market is a type of trading wherein you can trade by selling or buying currencies as you do with commodities or stocks. Foreign exchange or Forex trading is a market that deals in a huge amount of money on a daily basis to the tune of more than $5 trillion. To achieve the high profits that this market can bring you need to have the right resources at your disposal. When you are armed with the right tools, forex will not look daunting and you will find the trading easy to understand as well. About Forex Forex, derived from Foreign Exchange, is a trading done on currency pairs. The…
  • Become a Great Investor in 3 Easy Lessons

    Adam
    25 Nov 2014 | 6:15 am
    This is a guest post by Mike, aka The Dividend Guy. He authors The Dividend Guy Blog since 2010 and manages portfolios at Dividend Stocks Rock. He is a passionate investor. If interested in submitting a guest post please read my guest post policy and then contact me. Investing should be part of any personal financial plan. Unfortunately, many individuals are too busy paying their monthly bills and focusing on debt reduction. They tend to leave their investments at the bottom of their financial priorities, mainly because it seems complicated to invest on their own and the lack of trust in…
  • How to Use Precious Metal IRA to Secure Your Retirement

    Adam
    24 Nov 2014 | 6:15 am
    The following is a guest post. If interested in submitting a guest post please read my guest post policy and then contact me. More and more retirees are switching to making precious metal IRA investments instead of simply investing in much less stable stocks, bonds, mutual funds, and other forms of equity, investment experts have noted. These same retirees have come to realize that they can enjoy greater control over retirement and gain immediate profit potential even in the midst of high inflation rates by putting at least $25,000 in a precious metal self directed IRA. It has been discovered…
  • A Review of The Intelligent Investor by Benjamin Graham

    Adam
    21 Nov 2014 | 6:15 am
    The Intelligent Investor is the famous book written by Warren Buffet’s mentor, Benjamin Graham. This is one of the must read books for both average investors and Wall St. Brokers. In this book, Graham lays out his philosophy of investing and some key investing ideas that allow anyone to beat the market by following sound investing principles. The book primarily focuses on three points which I will briefly describe below. Value Investing Graham starts out by giving various examples of why there are stocks that are undervalued in the market place. This can occur for a number of reasons…
  • Bankruptcy and Business: What You Need to Know

    Adam
    20 Nov 2014 | 10:45 am
    Struggling with finances is something that many businesses have dealt with throughout the company’s life, but sometimes debts pile up to the point where a company may have to file for bankruptcy. If your company is struggling with your finances and you can’t seem to get out from underwater, bankruptcy may be the best possible option for you. According to bankruptcylawyernh.com, “Bankruptcy is a legal proceeding in which a person who cannot pay his or her bills can get a fresh financial start.” What this means is that filing for bankruptcy doesn’t necessarily have to destroy your…
 
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    Save Invest Give

  • The Process of Giving Appreciated Stock to Charity

    S. B.
    6 Nov 2014 | 5:38 am
    DisclaimerThis article is not about when or what to donate to charity.  The rules around deductibility of stock donations are complex, and I would definitely recommend that you consult a tax advisor.  If you want to try to understand some of the rules yourself, the following guide may be helpful to you: Planning Perspectives: Giving Securities.  My post only describes my personal experience with the mechanics of the process.ConfusionThe main reason I never donated stock before was simply that the process was unfamiliar.  There was no big "DONATE" button to click next to…
  • Times Like These

    S. B.
    20 Oct 2014 | 10:03 am
    It's times like these you learn to live againIt's times like these you give and give againIt's times like these you learn to love againIt's times like these time and time again- Foo Fighters, Times Like TheseThe oblique reference to giving amidst suffering in the above lyrics aptly conveys one of the more enduring mysteries of our existence.  When pain and adversity come, our natural inclination is to start clutching and grasping for all things - not just money, but time, possessions, words, and even relationships.  Giving is usually the furthest thing from our mind.The irony…
  • Ranking My Startup Ideas

    S. B.
    18 Oct 2014 | 12:28 pm
    Yes, I'm going to use that word.  Startup.  And since this was not in any of my original plans, let's see how I got to where I am now.Thousands of IdeasI'm that annoying kind of person who is always looking at the world and thinking it can be improved in some way.  Every mechanical device has some deficiency that can be remedied, and every parking lot could be better designed.  Even the line at the local coffee shop could be optimized.But I'm also a skeptic.  I love shooting down my own ideas as technically unworkable or financially impractical.  And I'm also…
  • The Surprising Math of Taxable Investments

    S. B.
    5 Oct 2014 | 4:05 pm
      Most people don't seem to be aware of just how much repeated taxation affects the compounding phase of taxable investments.  I want to highlight this issue and put a slightly different slant on it than you might have seen in the past.Nontaxable InvestmentsBut first, so as not to create any confusion, I want to state for the record that it's true that the effect of a one-time taxable event at the beginning of your growth (Roth IRA) or the end of your growth (Traditional IRA) is identical, assuming the tax rates are the same.  You start with a certain amount of…
  • Asymmetric Emotions Will Kill Your Portfolio

    S. B.
    1 Oct 2014 | 5:58 am
    Fear GreedOne of the essential ingredients of successful investing is keeping a healthy balance between greed and fear.We are all familiar with how unbalanced these factors become at market tops and bottoms.  At the top, even negative information is met with more greed, and at the bottom, even positive information elicits fear.  Yet the reality is that life rarely unfolds in such a lopsided fashion.  In most situations, there are numerous favorable and unfavorable influences, and we must perform a delicate weighing of the situation.For those who select individual…
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    Take A Smart Step

  • Three Steps to Get on Top of Your Year End Tax Planning

    Andrea
    18 Nov 2014 | 2:00 am
      The end of the year is going to be here faster than you can blink your eyes, after all Thanksgiving is next week! This is also the time to get on top of your business finances so that tax time and 2015 can start with your focus on 2015 profits and not scrambling to organize 2014 paperwork. I hear you, this is a crazy busy time and you will have plenty of time to get ready for 2015. But everything you do today will put you that much further ahead!  And reduce the stress of putting it all together. Plus there are somethings that just have to be done before December 31st! With that in…
  • How to Calculate ROI on Advertising

    Andrea
    11 Nov 2014 | 2:00 am
      Click Image to watch the YouTube Video! I often hear the question – should I advertise on Facebook?  What about Google? This is not a clear cut yes or no question. Instead there are many factors that come into account when deciding if you should advertise or not. Luckily there is one way that you can determine if advertising is good for you and your business. This way is for you to calculate your return on investment or ROI. What is Return on Investment The return on investment is the percentage that you earned on the money you spent advertising.  Just like you have a return…
  • Three Business Metrics All Businesses Should Track

    Andrea
    4 Nov 2014 | 2:00 am
    Ready to start managing your business finances better? Still confused what numbers to even start watching? Here are three that will help you get started! Cash Flow Cash flow is about how much cash you actually have to run your business.  Remember cash is king!  If you are making sales, but not collecting the money you may show a profit but be broke because you have no cash.  Likewise you may have a business that shows profit because of depreciation or other accounting measures, but is not actually profitable. By having a cash flow statement you can see when you bank account will hit…
  • Why it is Important to Track Your Business Finances

    Andrea
    28 Oct 2014 | 1:14 pm
      I know you have heard it – you must take care of your business finances. But it is not exactly the world’s most exciting thing to do! It is easy to put off doing it in favor of other more exciting things, like writing your blog, working with clients or organizing your file cabinet! Yet if you do spend some quality time with your finances, you might be amazed at what you learn!  (Text copy of the steps are also below the video!)     You Know How You are Doing If you don’t track your finances, it is kind of hard to tell how you are doing.  Without spending…
  • Four Ways to Simplify Your Money Management

    Andrea
    21 Oct 2014 | 2:00 am
    I know you don’t want to spend too much time managing your finances. There are countless ways you would rather be spending that time. Picking up dog poop, scrubbing toilets and being delayed 9 hours on your way to vacation – are just a few of things you may rather be doing! In an effort to help you reduce the amount of time that you spend working on managing your money – both business and personal – here are some tips to help you simplify. Create a Process A process will help you streamline what needs to be done and keeps you focused on the tasks that need to be…
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    NerdWallet News

  • Best Thanksgiving Dishes for Eating Healthy

    Lacie Glover
    26 Nov 2014 | 10:36 am
    Thanksgiving Day is a time to feast on one of the year’s most anticipated meals with family and friends. For many Americans, the holiday is also the perfect excuse to forgo their dietary standards. The Calorie Control Council estimates that Americans eat about 4,500 calories on turkey day, including drinks and steady nibbling on snacks throughout. That’s more than twice the recommended 2,000 calorie per day diet for most adults. But even if you’re among the many people who won’t be counting calories this Thanksgiving, you may want to know which items to limit. That’s where your…
  • 7 Year-End Strategies for Tackling Your Tax Liability

    Advisor Voices
    25 Nov 2014 | 6:24 pm
    By Marcos Lira Learn more about Marcos on NerdWallet’s Ask an Advisor It’s November, and there are three things on the top of everyone’s mind: 1) Should I oven-roast or smoke our Thanksgiving turkey? 2) Should I knock out holiday gifts on Black Friday or Cyber Monday? 3) What can I do to improve my tax situation? Smoke the turkey and shop online so you can stay in with the family the day after Thanksgiving. Now that we have 1 and 2 checked off, let’s focus on seven other strategies to improve your tax situation for the upcoming tax season. There are only a few ways to improve your…
  • A Rising Tide Raises All Boats, but It Can Only Rise So High

    Advisor Voices
    20 Nov 2014 | 7:21 pm
    By Michael Mezheritskiy Learn more about Michael on NerdWallet’s Ask an Advisor Let’s talk a bit about equity valuations. Investors love it when their accounts go up in value. As their account values grow, they keep expecting more and more— and then they get complacent. They lose the understanding of what a stock is. It’s more than an ownership piece of the underlying company. Ownership in a stock is the right to a piece of that company’s earnings over an extended period of time. Investors are very aware of duration when they are investing in fixed income, but they tend to forget…
  • 4 Frugal Ways to Celebrate Thanksgiving

    Advisor Voices
    20 Nov 2014 | 3:06 pm
    By Richard Rosso, MS, CFP®, CIMA® Learn more about Richard on NerdWallet’s Ask an Advisor. According to a recent fun facts bulletin by the Census Bureau, more than 4 million U.S. households will have at least three generations under a single roof this Thanksgiving. Of those I’m honored to help navigate through financial difficulty, seven out of every 10 families will celebrate multiple generations around beautifully trussed tabletops; the more giving, the greater the thanks. So, how can you celebrate community with an abundance of guests, gratitude and spirit on Thanksgiving—and…
  • Fee-Based, Fee-Only and Commission Services: Key Differences

    Advisor Voices
    20 Nov 2014 | 10:39 am
    By Laurel Hardy Learn more about Laurel on NerdWallet’s Ask an Advisor If I weren’t a fee-only financial advisor, I would have some serious questions about what I should be looking for in an advisor. Do you know what it means when someone says he or she is a fee-based advisor? I left my position as a fully licensed financial advisor at a well-known wire-house investment firm and bank, where I was paid on commission and offered fee-based services, to open my own fee-only investment and planning firm. For those wondering what the difference is between commissions, fee based, and fee-only…
 
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    The Truth About Credit Cards.com

  • Discover Now Lets You Redeem Any Amount of Your Cashback Bonus

    Colin Robertson
    24 Nov 2014 | 10:31 am
    An exciting new change has quietly taken place over at Discover. Now cardholders who earn cash back can redeem any amount, even as little as a penny. In the past, Discover only allowed cashback redemptions of $50 even (exact amount) via direct deposit or statement credit, making it difficult to actually use all the cash [&hellip
  • Get $10 in Amazon Gift Cards for Every 5 Taps with Softcard

    Colin Robertson
    18 Nov 2014 | 10:46 am
    Sure, Apple Pay might be grabbing all the headlines, but Softcard will actually put money back in your pocket, time and time again. Their latest promotion, which began on November 1st and runs until December 31st 2014, allows Softcard users to earn $10 for every five successful payment taps using a participating credit card. The [&hellip
  • MasterCard and Zwipe Launch Biometric Credit Card

    Colin Robertson
    20 Oct 2014 | 11:27 am
    By now everyone is familiar with Apple Pay, which is expected to completely change the way we pay for things. Instead of using a plastic credit card, we’ll be able to touch our iPhones to a payment terminal and select any card in our virtual wallet to complete the transaction. Apple Pay users will also [&hellip
  • Get 5% Cash Back at the Retailer of Your Choice with Discover

    Colin Robertson
    10 Oct 2014 | 12:05 pm
    Discover is running a nice little promo that lets you choose where you want to earn 5% cash back from now until November 30, 2014. This is in addition to their regular quarterly cashback calendar (check right sidebar for current deals), which from October 1st until the end of the year offers 5% cash back [&hellip
  • Get Nearly Free Lunch or a Free Ride with Uber and American Express

    Colin Robertson
    9 Oct 2014 | 9:35 pm
    Have an American Express card? Yes? Good. Use Uber? Yes? Good. You might be able to get a free $10 then. Simply log on to your account at American Express and toggle over to the “Amex Offers for You” section to see if the Uber offer is in there. I found it via my old [&hellip
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    LCF on Personal Finance

  • Why Moats Matter by Morningstar

    ChingFoo Lieu
    24 Nov 2014 | 4:55 am
    Even if you think yourself is a veteran fundamental investor, you could still learn a few new things from this book, which focuses on the concept of moat for great businesses. Warren Buffett once said in a famous 1999 Fortune article – “The key to investing is…determining the competitive advantage of any given company and above all, the durability of that advantage. The products or services that have wide, sustainable moats around them are the ones that deliver rewards to investors”. Why Moats Matter is all about Morningstar taking this concept a step further and…
  • We all have 4 ‘Spouses’ in our Lives – How? This may enlighten you

    ChingFoo Lieu
    15 Nov 2014 | 9:02 pm
    There was a rich merchant who had 4 wives. He loved the 4th wife the most and adorned her with extravagant robes and treated her to delicacies. He took great care of her and gave her nothing but the best. He also loved the 3rd wife very much. He is very proud of her beauty and always wanted to show off to his friends. However, the merchant is always in great fear that she might run away with some other men. He too, loved his 2nd wife. She is a very considerate woman, always patient and in fact is the merchant’s confidante. Whenever the merchant faced some problems, he always turned to…
  • How To Side Step Your Biggest Investment Enemy

    ChingFoo Lieu
    9 Nov 2014 | 5:03 am
    Investors often seek some kind of edge.  They follow investment trends, listen to economic experts, and search for the hottest unit trusts or stocks.  By doing so, however, many jeopardize their investment returns.  It’s ironic.  Most investors underperform the returns of the average stock—by paying high fees, reacting to investment news and trying to make forecasts. In the three years ending October 28th, the Malaysian stock market gained 28.87 percent.  Most Malaysians likely did worse. In the U.S., a firm called Dalbar tracks the returns of retail investors, compared to the U.S.
  • Confession of Warren Buffett & a private fund manager

    ChingFoo Lieu
    28 Oct 2014 | 7:48 pm
    Warren Buffett does not mind admitting his mistakes – that’s how legendary of an investor he is. Call a spade, a spade, yes? Why do we want to be right all the time? We are human after all – and the richest man in the world can teach us this kind of humility. It is no secret that IBM and Coke represent two of Berkshire Hathaway’s 3 biggest holdings, but their operational blunders have already cost Mr Buffett more than $2.5 billion in the 4th week of October 2014. Nearly $1 billion on IBM after the company posted disappointing earnings, while Coca-Cola (KO) did the…
  • Here’s how you really recognize true wealth which you don’t see

    ChingFoo Lieu
    21 Oct 2014 | 6:33 am
    When you meet someone who drives a RM 300,000 car, do you think this way: That he has RM 300,000 less in the bank now (if he bought in cash)…or… more than RM 300,000 in debt, than he did before he bought the car…or… he earns at least RM 300,000 a year after tax income (it is not uncommon to drive a car that is at least a year’s worth of one’s income in Malaysia). We seldom think of it that way. Most of our perception of wealth is shaped via material possession, especially by what we see other people have. Since we don’t have access to their net…
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    Money Soldiers

  • 7 Awesome Accounting Jobs

    Arnel Ariate
    26 Nov 2014 | 6:33 am
    The stigma of boring accountant jobs is long gone.  All one needs to do is check out the more famous accountants.  Getting an accounting degree online might land you in a very prestigious position. Accountants earn a “better than average” salary when positioned in one of the more lucrative accounting firms in New York, New […]7 Awesome Accounting Jobs is a post from: Money Soldiers - Helping you fight your financial battles © 2012-2013, All Rights Reserved
  • Cross-selling to Your Customer’s Heart

    Arnel Ariate
    22 Nov 2014 | 10:06 pm
    Presented By Service Source Cross-selling to Your Customer’s Heart is a post from: Money Soldiers - Helping you fight your financial battles © 2012-2013, All Rights ReservedCross-selling to Your Customer’s Heart is a post from: Money Soldiers - Helping you fight your financial battles © 2012-2013, All Rights Reserved
  • Some of the Most Important Factors to Making Your Recurring Products

    Arnel Ariate
    22 Nov 2014 | 9:32 pm
    Recurring subscriptions and other payments have become more prominent as the average consumer has begun to rely more upon their technology.  The convenience that a “set it and forget” option provides consumers, and the fact that these recurring payments can appeal more to them, makes these options a prominent method of obtaining revenue for many […]Some of the Most Important Factors to Making Your Recurring Products is a post from: Money Soldiers - Helping you fight your financial battles © 2012-2013, All Rights Reserved
  • Is Bankruptcy an Option When You Can’t Afford to Pay Your Mortgage?

    Arnel Ariate
    16 Nov 2014 | 5:18 am
    Few things are scary for a homeowner than being strapped for cash and unable to pay the mortgage.  Miss a payment, and your lender will be contacting you to get the money.  If you decide to bury your head in the sand and simply ignore the problem for a few months, the next step will […]Is Bankruptcy an Option When You Can’t Afford to Pay Your Mortgage? is a post from: Money Soldiers - Helping you fight your financial battles © 2012-2013, All Rights Reserved
  • The Top 3 Financial Perks of Being Retired

    Arnel Ariate
    14 Nov 2014 | 6:31 am
    After a lifetime of hard work, reaching the retirement age is a blessing – finally having the time to enjoy all the things in life that work has prevented you from doing. Yet, a lot of people may worry about their financial life after retiring.  Living on the minimum state government pension and figuring out […]The Top 3 Financial Perks of Being Retired is a post from: Money Soldiers - Helping you fight your financial battles © 2012-2013, All Rights Reserved
 
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    Hull Financial Planning

  • 5 Reasons HR Directors Should Include Financial Planning in Benefits Packages

    Jason Hull
    20 Nov 2014 | 6:00 am
    “Truth is confirmed by inspection and delay; falsehood by haste and uncertainty.” –Tacitus If you’re in human resources, you have two primary jobs: Find and acquire the best talent possible for what you can spend, and Retain the best-performing talent for what you can spend. It was one of the challenges that I faced in […]Learn to beat your Monkey Brain and Accelerate Retirement. 5 Reasons HR Directors Should Include Financial Planning in Benefits Packages is a post from Fort Worth Financial Planner Hull Financial Planning Related posts: 5 Reasons Financial Planning Helps…
  • The Surprising Suggestion for Who Should Receive Your Estate If You Have No Children

    Jason Hull
    13 Nov 2014 | 6:00 am
    “Inheritance taxes are so high that the happiest mourner at a rich man’s funeral is usually Uncle Sam.” –Olin Miller My wife and I have no children. Not only does this create additional planning issues for us regarding care when we are older, but eventually, when we depart this earth and discover what’s on the […]Learn to beat your Monkey Brain and Accelerate Retirement. The Surprising Suggestion for Who Should Receive Your Estate If You Have No Children is a post from Fort Worth Financial Planner Hull Financial Planning Related posts: What to do if You Receive a Life…
  • Giving Back in Honor of Veterans Day – 2014

    Jason Hull
    10 Nov 2014 | 10:01 pm
    I’m a veteran. I didn’t serve for very long, and while I did two tours of Bosnia, I never faced the dangers that some of my fellow brothers and sisters in arms did. Every one of them who has ever put on a uniform has made some sort of sacrifice, and most of them did […]Learn to beat your Monkey Brain and Accelerate Retirement. Giving Back in Honor of Veterans Day – 2014 is a post from Fort Worth Financial Planner Hull Financial Planning Related posts: Giving Back in Honor of Veterans Day Giving Back in Honor of Veterans Day How Much Would You Have to Budget to Go to…
  • Leave Forecasting to the Weatherman

    Jason Hull
    6 Nov 2014 | 6:00 am
    “Prediction is very difficult, especially if it’s about the future.” –Nils Bohr “Weather forecast for tonight: dark.” –George Carlin As we saw in “Do You REALLY Know How You Would React if the Stock Market Dropped by 20 Percent,” the personal finance industry loves their risk tolerance questionnaires. They think that you’re going to be […]Learn to beat your Monkey Brain and Accelerate Retirement. Leave Forecasting to the Weatherman is a post from Fort Worth Financial Planner Hull Financial Planning Related posts: Do You REALLY Know How You Would React if…
  • Do You REALLY Know How You Would React if the Stock Market Dropped by 20%?

    Jason Hull
    30 Oct 2014 | 6:00 am
    “What is necessary to change a person is to change his awareness of himself.” –Abraham Maslow “The final mystery is oneself.” –Oscar Wilde If you’ve ever taken one of those online financial assessments, you’ll know that you’re asked questions about yourself. Most of them are either demographic – how old are you, are you married, […]Learn to beat your Monkey Brain and Accelerate Retirement. Do You REALLY Know How You Would React if the Stock Market Dropped by 20%? is a post from Fort Worth Financial Planner Hull Financial Planning Related posts: How the…
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    Listen, Money Matters!

  • How to Deal with Obamacare and HSAs (Ep. 246)

    Matt Giovanisci
    25 Nov 2014 | 4:42 am
    Matt and Andrew talk with returning guest Todd Berkley and John Young about The Affordable Care Act (Obamacare) and HSAs to find out which plan is the right plan for you. The post How to Deal with Obamacare and HSAs (Ep. 246) appeared first on Listen, Money Matters!.
  • Why Net Neutrality Must Be Preserved

    Candice Elliott
    25 Nov 2014 | 4:00 am
    Net neutrality has been in the news a lot recently.  Maybe you’re not even sure what it is but it must be preserved. Simply put, net neutrality is the idea that all content on the internet should be treated equally.  Your sister in law’s blog about her doll collection should down load just as quickly as your Amazon suggested buying page. And at the moment, it does.  Obviously Amazon has deeper pockets than your sister in law but there is no for sale fast lane on the internet.  Not yet. The Big Telecom Companies Most consumers get their internet service from a handful of providers,…
  • We need to talk

    Andrew Fiebert
    24 Nov 2014 | 1:38 pm
    Hey everyone, Andrew here and I have a question for you. Do you want more Listen Money Matters? If so, I need to ask for your help. I’m only going to ask you to do it one time and that time is now. As of right now we’ve existed solely on my savings and an incredible amount of time from Matt, myself and my wife Laura.  We don’t know how much longer we can continue on this path.  Betterment was kind enough to sponsor a few episodes but that still puts Matt in at well under one dollar an hour, I’ve yet to make a single dollar and all of Laura’s time has been donated. Here is…
  • How to Buy Low on eBay and Sell High on Amazon with Jordan Malik (Ep. 245)

    Candice Elliott
    24 Nov 2014 | 3:00 am
    Want to make a little money on the side?  Jordan Malik joins us to discuss how to play eBay and Amazon off each other to pick up some extra cash. Forty percent of Amazon sales come from third party sellers.  Their merchandise in Amazon’s warehouses.  So clearly there is money to be made.  Jordan is an award winning Amazon seller and a best selling author on how to make Amazon and eBay work for you. Jordan and sellers like him practice “on-line arbitrage,” which is a fancy way of saying buy low, sell high.  They get their merchandise from a variety of places, Walmart,…
  • Finding Your Financial Weak Spots (Ep. 244)

    Candice Elliott
    23 Nov 2014 | 3:00 am
    We all have them.  Dinners out, the newest gadgets, clothes.  Our financial weak spot, our Achilles’ heel.  Find out what we can do to strengthen them. It might not be just a spending problem though.  Maybe you’re afraid to invest because it seems so intimidating.  Maybe you have the money to pay all of your bills but you aren’t organized and always pay late. Andrew is willing to take a leap that some people wouldn’t and it has gotten him in trouble in the past, failed business ventures, risky investments that didn’t pan out.  He also spends too much on…
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    Equifax Finance Blog

  • Filing Taxes Early? Six Ways to Prepare Right Now

    Eva Rosenberg
    26 Nov 2014 | 4:00 am
    Believe it or not, the start of the 2015 tax-filing season is right around the corner. While there has been speculation that the start of the coming filing season may be delayed (as it was in 2014), it’s never too soon to begin preparing. Not only might you get your refund sooner if you file early but you may also be able to help prevent tax identity theft. When a thief commits tax identity theft, he or she may use your Social Security number (SSN) to file a tax return and obtain your refund before you do. When you try to file, you’ll receive a notice from the IRS indicating that more…
  • When to Consider an Adjustable Rate Mortgage

    Steve Cook
    25 Nov 2014 | 4:00 am
    Whether you’re purchasing a home or refinancing your current mortgage, your lender may have given you the option of taking out an adjustable rate mortgage (ARM). ARMs can be great options, but it’s important to understand how they work before making your decision. ARMs have interest rates that change over the life of the mortgage. After an initial fixed-rate interest period—usually of three, five, seven, or 10 years—the interest rate can fluctuate. These fluctuations happen at certain intervals, often annually, and are based on an index specified in the mortgage closing documents.
  • What You Need to Know About Refinancing Your Car Loan

    Camille Puschautz
    24 Nov 2014 | 4:00 am
    Auto loan originations, or applications for new loans, hit an all-time high in 2014, as Americans flocked to lenders for loans to purchase new and used cars. According to Equifax data, the total number of new loans has increased almost 5 percent from June 2013. “The abundance of high-quality vehicles for sale, the attractive financing options available, and the ever-increasing age of cars on the road today have created an environment that makes it easy for consumers to say ‘yes’ when it comes to purchasing a new or used car,” says Amy Crews Cutts, senior vice president and…
  • Divorce and 529 plans: What Are the Tax Consequences?

    Eva Rosenberg
    21 Nov 2014 | 4:00 am
    As the cost of college continues to increase, many parents opt to open 529 plans in order to help save for their children’s tuition. These plans, which are operated by a state or educational institution, offer federal and state tax benefits and allow the donor—often a parent—to retain control of the account. When it’s the parent, not the child, who has control of the funds, the 529 plan is considered a marital asset. This is important to remember in the event of a divorce, when parents will need to specify how the 529 plan will be funded and used. (A 529 plan can only have one owner,…
  • Watch Out for Identity Theft this Holiday Season

    Equifax Experts
    20 Nov 2014 | 4:00 am
    When Alex B. opened an email from Craigslist requesting his username and password, he thought nothing of it and entered the information. It wasn’t until hours later, when he noticed several items posted as “holiday sale specials” from his Craigslist account, that he realized something was wrong. Sure enough, he had provided his email to an identity thief who had used his Craigslist account to advertise holiday deals in an attempt to con users out of their cash. “Craigslist prides itself on being a low-maintenance platform, so the fact that the email was plain text and simply formatted…
 
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    Bargains with Brittanie

  • Aeropostale Black Friday Sale Live NOW! Includes 60% off Everything!

    Brittanie
    26 Nov 2014 | 11:26 pm
    Now is a great time to shop for new winter apparel! The Aeropostale Black Friday Sale is LIVE online Now! They are offering 60% off EVERYTHING! In addition, you can earn a Free $25 Aero Gift Card with a $100 purchase + shipping is free on orders of $50 or more! Graphic Tees start at […] The post Aeropostale Black Friday Sale Live NOW! Includes 60% off Everything! appeared first on Bargains with Brittanie.
  • Google Chromecast only $25.00 + 2 Months of HULU Plus for FREE!

    Brittanie
    26 Nov 2014 | 11:19 pm
    Streaming services can save you a ton of money over cable or satellite. Right now you can get Google Chromecast for only $25.00 from RadioShack + receive 2 months of HULU Plus for FREE! This is a fantastic deal! Enjoy your favorite online entertainment on your HDTV in up to 1080p Works with Android phones […] The post Google Chromecast only $25.00 + 2 Months of HULU Plus for FREE! appeared first on Bargains with Brittanie.
  • *SUPER HOT* Beats Solo HD Headphones only $69.99 Shipped!

    Brittanie
    26 Nov 2014 | 11:08 pm
    If you haven’t picked up your Beats Headphones this is the deal you want to get! Head over to RadioShack and pick up Beats Solo HD Headphones only $69.99 + Free Shipping! These are normally $169.99! You will pay $129.99 but will submit a $60 mail-in rebate making these only $69.99! A KILLER PRICE! Act fast […] The post *SUPER HOT* Beats Solo HD Headphones only $69.99 Shipped! appeared first on Bargains with Brittanie.
  • Microsoft Black Friday Sale is LIVE! Xbox Games as low as $4.99!

    Brittanie
    26 Nov 2014 | 11:01 pm
    The Microsoft Black Friday Sale is LIVE NOW! Shop some of the best deals on Xbox Gaming Consoles, Games and accessories. In fact, Xbox Games are as low as $4.99! Xbox Live Memberships are only $14.99 for a 3-month subscription which is awesome! If you are looking to get anything Xbox related this is the […] The post Microsoft Black Friday Sale is LIVE! Xbox Games as low as $4.99! appeared first on Bargains with Brittanie.
  • Scheels Black Friday Sale LIVE NOW!

    Brittanie
    26 Nov 2014 | 10:50 pm
    The Scheels Black Friday Sale is LIVE NOW online! When you head over you will be browsing through their Black Friday Ad. Click on any of the deals and you will be redirected to that product. Some things to keep in mind: First 120 orders receive a Free Plush Dog Shipping is free on orders […] The post Scheels Black Friday Sale LIVE NOW! appeared first on Bargains with Brittanie.
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    The Simple Money Blog

  • Look at your past budgets. You may be amazed

    Angela and Kirby
    24 Nov 2014 | 5:00 am
    KJ: We just went through this exercise, and it was quite interesting. I have used Quicken since the beginning of (my) time with an income, so I have quite a few years of history to be able to reference. I … Continue reading →
  • Credit card tips: what you need to know

    Angela and Kirby
    10 Nov 2014 | 4:30 am
    KJ: Lists, lists, lists. There are so many out there, but we keep coming across some great ones that will help you get on solid financial footing. In this post, we focus on Bank Rate’s 10 can’t miss credit card … Continue reading →
  • How do you balance cost and quality? Is the more expensive option actually better for your budget?

    Angela and Kirby
    3 Nov 2014 | 4:30 am
    KJ: We’ve all bought something at some point because, hey, it’s cheap! Why not spend the $1 or $5 on [insert product]? What could you possibly lose? Well, as the adage goes, you get what you pay for [sometimes]. It’s … Continue reading →
  • A billionaire’s perspective on working: a three day work week?…

    Angela and Kirby
    27 Oct 2014 | 4:30 am
    AJ: Irrefutable fact: Carlos Slim knows things about making money. His estimated net worth at $83 billion pretty much speaks for itself, and it makes him one of the wealthiest individuals in the world. Carlos Slim has an interesting take … Continue reading →
  • When was the last time you reassessed your budget?

    Angela and Kirby
    20 Oct 2014 | 4:30 am
    KJ: Sometimes, it seems like money pours out of the bank account, so what better time to see if your current plan is really what is right for you at this stage in your life? It’s easy to keep coasting … Continue reading →
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    My Money Design

  • Should I Go for a Pension Purchase Option or Invest the Money? – A Reader Question

    MMD
    24 Nov 2014 | 2:00 am
    A few weeks ago I receive a really great question from a friend of mine (we’ll call him LJ) regarding whether or not he should take a pension purchase option that his employer is offering him.  Here’s the email he sent me: I’m thinking about buying 5 years of generic pension service time. Seems like a no brainer, right? Not quite. I’ve had the actuarial done and it will cost me $37,800. A good chunk. I have the money in a 457 account and can roll it over to my pension administrator. I plan to retire in 22 years at 60 when I am eligible to draw the pension. I have 13.5 years…
  • How to Become Independently Wealthy … Outside Your Job

    MMD
    17 Nov 2014 | 2:00 am
    How does someone actually get rich? Should they make more money at their jobs by working harder?  Should they take on longer hours and more responsibility … all in vain hopes of getting a better raise or bigger bonus? Is your job even really the only way how to become independently wealthy? In this post I want to dig a little deeper into what it takes to actually become “rich”.  People who have made it – whether they are in the top 100 of Forbes or even people that you know in real life – more than likely didn’t get there by running the rat race and working themselves to…
  • 2015 Maximum 401k Contribution Increases to $18,000 – How You Can Get There

    MMD
    10 Nov 2014 | 2:00 am
    If you’re one of those people who are really good at saving their money diligently for retirement, then the IRS has some good news for you next year:  The 2015 maximum 401k contribution has just been increased to $18,000 (up $500 from 2014). For those people 50 and older, the $5,500 catch-up limit was also bumped up to $6,000. I’ve personally been saving up to the 401k maximum for a while now and am looking forward to bumping up my contributions.  By saving so much I know that I’m not only helping my family to get closer to reaching financial freedom, but we’re also taking advantage…
  •  Niche Website Update 23 – $1,052 Income – Finally Growth for My Amazon Site

    MMD
    3 Nov 2014 | 2:00 am
    Hello again to another edition of my monthly niche website update. As many of you know this is the part of my wealth building ambitions where I charter my attempts to create more and more passive income streams that will increase my monthly income.  This is being done by building up my online business portfolio of various niche websites; each one targeting very specific strategies for making money online. October was an interesting month to say the least.  There were more surprises from Google and a few other let-downs.  But all-in-all progress wasn’t too bad.  And most importantly my…
  • How Much Should I Put in My 401k Plan? My Surprising Answer

    MMD
    27 Oct 2014 | 2:00 am
    It’s one of the most commonly asked questions of employees when they start saving for retirement: How much should I put in my 401k?  5%?  10%?  15%? Especially when you’re young (in your 20’s and 30’s) and just starting out, retirement can feel like such a long ways away.  You know that you should be contributing, but at the same time you want to enjoy your earnings and save towards other goals like a house and family needs too. To simply answer this question with “save as much as you can afford” feels too much like an easy-out.  I’ve recommended that advice to friends in…
 
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    The Quizzle Wire

  • Could crowdfunding help you pay for your dreams?

    Miranda Marquit
    26 Nov 2014 | 6:00 am
    Last year, I self-published a book about my experiences as a professional blogger. I’d published other books before, but never done it on my own, so I had never needed to come up with the costs myself. I wanted a professional project, and I knew it would cost money. I turned to Indiegogo to help me raise money and to, effectively, set up a system of pre-orders for my book. My campaign was a success; I met my goal and I was able to pay for the designers involved in formatting my book. I’m far from the only consumer out there looking to raise money for my goals. In fact, crowdfunding is…
  • What you should know about opening a joint account

    Miranda Marquit
    25 Nov 2014 | 6:00 am
    When you are in love, it seems as though you can’t wait to merge your finances and move forward with life together. Opening a joint account seems like a reasonable step to take with someone else. However, before you open a joint account with your significant other, you should consider the following: The other person has access A joint account is just that: joint. This means that the other person has equal access to the account. There is nothing to prevent your significant other from withdrawing large amounts of money and taking off. Before you open a joint account, you want to make sure you…
  • How to teach your kids about money when you don’t use cash

    Cathy
    24 Nov 2014 | 6:00 am
    These days, many of us hardly use any cash to pay for things. After all, credit and debit cards offer convenience, rewards, and various degrees of insurance and fraud protection. But how do you teach your kids about money when you don’t use cash on a regular basis? Here are some ways you can teach them valuable personal finance skills when you don’t use cash: Give them an allowance – There are pros and cons to giving your child an allowance, but one of the “pros” is that your child can learn some important real-life money management skills. Your child will learn…
  • 4 steps for preparing your finances for divorce

    Carrie Smith
    23 Nov 2014 | 6:00 am
    Getting divorced is tough enough, but it can feel even more overwhelming when you start dividing assets and talking about money. What’s the first step to take? How can you protect yourself? What can you do to plan for a better future? These are questions I asked myself while going through my divorce as 25 years old. Aside from the emotional stress of it all, you have to deal with money too. And that’s never easy. Here are 4 crucial financial steps to take in order to successfully prepare yourself for a divorce. Step 1: Get the Details Organized The first step towards preparing your…
  • Why Paying Off Debt is Not the End Goal

    Carrie Smith
    22 Nov 2014 | 6:00 am
    For many of us, being debt free is the end goal, the final step towards our journey of financial freedom. But we don’t give much thought to what life after debt will look like. When we imagine what our life will be like after paying off all your debts, it goes something like this; you’re hanging out on a beach somewhere, celebrating debt freedom, and able to buy anything you want. While this may come true some day, you’ll quickly learn (as I did) that reality is not quite as realistic as your dreams. Paying Off Debt is Just the First Step Setting a goal of being debt free, and…
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    Credit Card Insider - Research, Discover and Compare Cards » InsiderCredit Card Insider - Research, Discover and Compare Cards

  • Why Was My Credit Card Flagged?

    John Ulzheimer
    24 Nov 2014 | 4:40 am
    At some point in all of our credit card-using lives we’ve probably heard the words, “I’m sorry but your credit card has been declined.” Having a credit card transaction unexpectedly declined at the register is embarrassing and leaves the consumer angry or concerned about fraud. The reality is that there’s a very good reason why […] The post Why Was My Credit Card Flagged? appeared first on Credit Card Insider - Research, Discover and Compare Cards.
  • Walmart Credit Card Review

    Brendan Harkness
    20 Nov 2014 | 12:50 am
    Walmart offers two credit cards for general consumers: the Walmart Credit Card and the Walmart MasterCard®. The first can only be used at Walmart, while the second can be used anywhere MasterCard is accepted. These cards offer special financing for large purchases, as well as cash back for certain purchases. The Rewards Check out our picks for […] The post Walmart Credit Card Review appeared first on Credit Card Insider - Research, Discover and Compare Cards.
  • Never, Ever Do These 5 Things with Your Credit or Debit Card

    Kimberly Rotter
    18 Nov 2014 | 6:40 am
    If you have a credit or debit card in your wallet, don’t take its value for granted. Protect it. Treat it like the confidential identity document that it is. Already in trouble? Learn what to do right now if your card number has been stolen Here, we’re not talking about financial mistakes – falling into […] The post Never, Ever Do These 5 Things with Your Credit or Debit Card appeared first on Credit Card Insider - Research, Discover and Compare Cards.
  • Negotiating A Debt Settlement With Collection Agencies And Credit Card Companies

    John Ulzheimer
    14 Nov 2014 | 4:30 am
    One of the most troubling financial mistakes people make is the abuse of credit cards, often ending with excessive credit card debt. Credit card debt usually starts out innocently enough. You use your card, justify the purchases and promise yourself that you’ll pay it off quickly. The problem begins, however, when you charge so much […] The post Negotiating A Debt Settlement With Collection Agencies And Credit Card Companies appeared first on Credit Card Insider - Research, Discover and Compare Cards.
  • Should I Use My Retirement Savings to Pay Off Debt?

    Kimberly Rotter
    10 Nov 2014 | 8:53 am
    Check out our Q&A Video on keeping your credit scores high throughout your retirement Retirement savings have appeal right up until the moment we actually start to plan to retire, at which time too many of us lament that we don’t have a bigger nest egg. In the long run up to eligibility, the retirement […] The post Should I Use My Retirement Savings to Pay Off Debt? appeared first on Credit Card Insider - Research, Discover and Compare Cards.
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    SideHustle HQ

  • Starting a Chimney Sweep Business on the Side

    SideHustleHQ
    15 Nov 2014 | 3:45 pm
    For many entrepreneurs, the home improvement and maintenance niche offers some of the most lucrative opportunities. Chimney sweeping is one sector that’s begging for exploitation. A low barrier to entry and high profit margins make it an extremely attractive line of work. As more and more homeowners look to ditch the grid in any way possible, chimneys are seeing a lot more use these days. Using the following tips as a rough business blueprint, anyone can launch a fruitful chimney sweep company. Do Your Market Research Though chimney sweeps are a rarity in many areas, you’ll need…
  • Jim Nantz: He’s Found His Calling Once Again

    SideHustleHQ
    12 Nov 2014 | 11:41 am
    Since the 1990’s Jim Nantz has excelled at his dream job as a sportscaster for the NFL, NCAA and the PGA Tour. The Emmy award winning, five time National Sportscaster of the Year has now found a second calling.  In 2009, Nantz and his co-founder Peter Deutsch, partnered to create, The Calling , a company that produces handcrafted wines. The Calling Wines include a Cabernet Sauvignon, Chardonnay, Pinot Noir and others. Prices per bottle start at $32. In a CBS interview, Nantz stated “This was an opportunity to try to take something that I taught myself, a level of expertise and…
  • Beyonce’s Moves to Run the Business World

    SideHustleHQ
    8 Nov 2014 | 11:25 am
    Superstar, Beyonce, is partnering with British multinational retailer, Topshop,  to create an athletic streetwear line. The new brand will include clothing, accessories and footwear.  Beyonce’s company, Parkwood Entertainment, founded in 2008  and Topshop, part of the Arcadia Group, controlled by Sir Phillip Green, will join forces to create Parkwood Topshop Athletic Ltd. The products are expected to be available for purchase by the Fall of 2015. Beyonce’s side hustle success also includes creating perfume fragrances.  Three fragrances have been launched so far, Heat in 2010…
  • Kim Kardashian Dominates the Side Hustle Scene

    SideHustleHQ
    3 Nov 2014 | 11:05 am
    Kim Kardashian is practically a  household name and known for her prominent role in the E!’s series Keeping Up with the Kardashians. She’s made multiple guest appearances in TV shows, including How I Met Your Mother, America’s Next Top Model, and CSI: NY. She’s also had roles in Beyond the Break, Dancing with the Stars, and Drop Dead Diva. With all of her celebrity success, many may not think of Kim Kardashian as a businesswoman. However, she has had tremendous business success. Many of her side projects revolve around beauty, with perfume, clothing, and jewelry lines. Her first side…
  • Boost Your Side Business with Passive Income Sources

    SideHustleHQ
    29 Oct 2014 | 6:36 am
    Running a side business can be a handful for even the most seasoned entrepreneurs. Becoming a small business success story rather than a grim statistic takes smarts, planning and commitment. As such, savvy side business owners should look for passive streams of income to have some sources of revenue  that don’t involve trading dollars for hours and to gain an edge over the competition. Whether you’re an organic farmer, a party planner or a jewelry designer, the following passive income streams are worth considering. Monetize Video Content For physical and digital businesses…
 
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    Covenant Trust Company

  • The 4% rule during retirement

    Covenant Trust Company
    12 Nov 2014 | 6:29 am
    The cover story in the October 2014 issue of the Journal of Financial Planning was on the “4% Rule.” This rule of thumb for a safe retirement withdrawal rate was first suggested by financial planner Bill Bengen in his article “Determining Withdrawal Rates Using Historical Data,” published 20 years ago in October, 1994. Bengen, who […]
  • Remembering former CTC president, Chuck Walles (1938-2014)

    Covenant Trust Company
    23 Oct 2014 | 8:59 am
    The following was written by Patty Conrad, retired corporate secretary of Covenant Trust Company. When President Emeritus Chuck (“Only my mother used to call me Charles.”) Walles joined Covenant Estate Planning Services/Covenant Trust Company in 1991, he brought his entrepreneurial business leadership and experience of service in the United States Coast Guard to his new […]
  • After a long period of calm, volatility may be back

    Covenant Trust Company
    16 Oct 2014 | 12:11 pm
    Since the beginning of October concerns about signs of weaker growth abroad have outweighed positive US corporate earnings reports and global stock market volatility has gone extreme. The Dow Jones Industrials saw triple-digit swings several days in a row that wiped out all of the index’s year-to-date gains. This volatility sent investors once again seeking […]
  • Four simple ways to save

    CTC - Ruser Saldaña
    24 Sep 2014 | 1:30 pm
    Jean Chatzky (financial editor for the “Today” show) thinks saving money is simple. At least theoretically. And theoretically, I agree. It’s like losing weight: if you want to drop a few pounds, you must burn more calories than you consume. Similarly, to save money, you need to make more money than you spend. However, we […]
  • CTC tips: calculating debt

    Covenant Trust Company
    17 Sep 2014 | 9:33 am
    According to Nerd Wallet, the national average credit card debt is $15,607; the average mortgage debt is $153,500; and the average student loan debt is $32,656. Even if your debt isn’t as high as these averages, it can still wreak havoc on your finances. Perhaps your debt payments are affordable. However, that doesn’t mean you’re in a financially healthy situation. […]
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    Debt Consolidation USA

  • Understanding The Difference Between Federal And Private Student Loans

    Lizzy Bale
    25 Nov 2014 | 8:18 pm
    It seems that student loans will forever be in the headlines. At least, it will be until we have successfully lowered it. But that is hardly what we think will happen. After all, people still believe in the power of a college education. In fact, college debt is considered to be a good debt. People […] The post Understanding The Difference Between Federal And Private Student Loans appeared first on Debt Consolidation USA.
  • Signs Of A Credit Junkie: Should You Prepare For Credit Therapy?

    Simi Mira
    24 Nov 2014 | 11:26 pm
    A credit card could start of as being your best friend. It is there for you whenever you are ready to important purchases and is there whenever you need money but do not have the cash handy. You become reliant on your new best friend for everything, even purchases that are unnecessary. And the only […] The post Signs Of A Credit Junkie: Should You Prepare For Credit Therapy? appeared first on Debt Consolidation USA.
  • Study Shows That Men Are Better Than Women At Credit Card Management

    Lizzy Bale
    20 Nov 2014 | 2:50 am
    Credit card management is such an important skill to learn. Financial management in general will help you through a lot of important decisions about your money. But when it comes to you credit cards, you may want to learn how to manage it specifically. These cards are tough to live without. It is true that […] The post Study Shows That Men Are Better Than Women At Credit Card Management appeared first on Debt Consolidation USA.
  • It’s Time to Retire: Retirement Factors

    Simi Mira
    15 Nov 2014 | 5:11 am
    It is time to retire! You are ready to use your retirement funds that you have worked years and years to build for this moment. However, your retirement fund papers give you a lot of information except for a few key retirement factors that will benefit you greatly in your retirement. Continue reading for more […] The post It’s Time to Retire: Retirement Factors appeared first on Debt Consolidation USA.
  • Do You Have Your Holiday Spending Strategy Yet?

    Lizzy Bale
    13 Nov 2014 | 5:09 am
    Do you want to stop debt from piling up this holiday? That’s easy! You just have to come up with a holiday spending strategy! Although it is already November, there is plenty of time for you to think of a plan that will keep you from having holiday debt when the New Year comes around. […] The post Do You Have Your Holiday Spending Strategy Yet? appeared first on Debt Consolidation USA.
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    Personal Finance Blog | LSS

  • Haven’t saved a penny for the Holidays? Here are 5 tips to make up for it in 1 month.

    Kate Swenson
    17 Nov 2014 | 7:09 am
    The holidays come with a cost, and it’s not just the gifts…It’s meals, decorations, travel, donations, etc.  Because of this, how many of us promise ourselves…”I am going to save for the holidays” then all of sudden it is October, the holidays are right around the corner, and you haven’t saved a dime?  Sound familiar… me too. The good news is there are a few ways that we can make up for lost time. Here are some tips to make up for that lost time in 1 month, and keep you from paying for the holidays into 2015! Give it up! Find something in your life that you can go a…
  • 10 Signs You May Be In Credit Trouble

    Kate Swenson
    27 Oct 2014 | 11:26 am
    Is your debt stressing you out? Do any of these sound like you? Charging more each month that you make in payments. Paying only the minimum amount due on your credit cards. Using credit and cash advances for items that used to be purchased with cash, like gas and groceries. Having a total credit balance that rarely decreases. Being at or near your credit limit and applying for new cards. Needing a consolidation loan to pay existing debt. Not knowing the total amount you owe. Never opening your mail or answering the phone in fear of debt collectors contacting you. Making late payments…
  • YOUR FIRST APARTMENT! FIVE WAYS TO BE PREPARED

    Kate Swenson
    13 Oct 2014 | 12:58 pm
    My 23 year old daughter just moved into her first apartment with friends.  As they were looking at and considering apartments, she asked for advice on various aspects of the process.  I wasn’t much help—I haven’t moved in 35 years!  (I bought my house when I was 12!)  So, I learned with them about renting an apartment. CHOOSE YOUR ROOMMATES WELL You and your roommates will be equally liable for the whole rent, not just your portion.  Are your prospective roommates employed?  Dependable? Choose roommates with a similar lifestyle.  Are you an early riser and your roommates night…
  • Confessions of a Financial Counselor

    Kate Swenson
    8 Oct 2014 | 12:16 pm
    As a Financial Counselor, most people I see in my office are people that are stressed by debt.  I see a huge range of people: 5 digit monthly incomes to 3 digit; single folks to married couples with several children; recent immigrants to those whose people go back to the first bipeds on this continent.  And everyone in between.  Their debt spans a broad range, too:  An unnoticed $118 medical bill that went to collections to $98,000 in credit cards. The anxiety people have about seeing a financial counselor for their debt can fill the office.  Some express it out loud: “I was so afraid…
  • The Green Tomato: The Fruit That Keeps on Giving

    Kate Swenson
    6 Oct 2014 | 7:14 am
    It’s been a good garden year for me.  I’ve supplied my household, friends, family, passersby, and the local food shelf with a variety of beautiful, fresh, organic produce.  I couldn’t even begin to calculate the dollars saved.  (Add in the physical and environmental benefits of gardening and the economic payback rises significantly.) It is early October and the first frost has yet to hit the Twin Cities in Minnesota.  I’m still harvesting summer squash, tomatoes, greens, herbs, peppers, and more.  When frost is finally in the forecast (any time now!) you will find me in the…
 
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    Minting Nickels

  • The Subtle Intricacies to Tasting Success at an Investment Bank

    Justin
    26 Nov 2014 | 5:35 am
    There is a lot more to succeeding in banking than just profit-generation and sales. There are lots of unstated rules about town and following these are crucial for people who wish to emerge victorious on the scene of investment banking. Progression in banking has led to new character traits in professionals. If you are looking for a career in investment banking, you need to imbibe these traits to create history. Patience and Diplomacy You can make good money in cash bonuses; however you need to be willing to wait for them. Junior bankers are offered these initially but they feel the pinch…
  • 7 Ways to Boost Your Credit Score

    Justin
    24 Nov 2014 | 4:46 am
    When you have a good credit score, certain doorways are open to you that others don’t have. A low credit rating can hold you back from achieving life goals, like buying a new or larger car, buying your first home or even renting an apartment. You can also forget about getting an unsecured credit card when you have poor credit or no credit. There are different ways you can improve your credit score, so that you can make financial decisions without anything holding you back. Pay Down Your Credit Card Bills If you already have one or more credit cards, then keeping the balances low is…
  • Why Do Companies Need Barcode Printing Software?

    Justin
    2 Nov 2014 | 6:07 am
    If you take a closer look at all the products that you can find on the supermarket shelves, you will realize that all these goods have UPC barcodes printed on their packaging. Where do these barcodes come from and why are they printed on all the products that you can find in retail stores? UPC is an acronym for “Universal Product Code”. Initially, UPC barcodes were introduced to accelerate the checkout phase in supermarkets and simplify inventory management. Due to their incredible effectiveness and accessibility, barcode systems have gradually been adopted and utilized on a larger scale,…
  • Gaming Can be a Great Hobby

    Justin
    23 Oct 2014 | 8:11 am
    In today’s fast paced environment it’s easy to get “too busy”, almost to the point where it’s nearly impossible to find time for yourself. Personally, I work plenty of hours in a stressful job, and it’s difficult for me to find the time and ways to relax and unwind. When I do find activities they tend to cost a lot of money which inadvertently adds more stress to my life. The trick is to find those hobbies that let you relax and recharge your batteries, while also allowing you to avoid breaking the bank. Below I will list some fun hobbies and activities that won’t cost you a…
  • Top 4 Reasons You Shouldn’t Purchase a Home Yet

    Justin
    11 Oct 2014 | 6:59 am
    It goes without saying that one of the biggest purchases an adult will have in their life is the purchase of a new home. When it comes to buying a new home, timing is very important as well as being financially and emotionally ready. The problem is that, when emotions are thrown in, sometimes people make decisions that are not financially sound, and purchase a home that they aren’t ready to afford. The  fact is, there are at least 3 very good reasons that a person should not purchase a new home, even if they feel that they are ready to do so. Those 3 reasons are below. Enjoy. Reason #1:…
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    Debt RoundUp

  • How to Manage Your Money by Doing the “Opposite”

    Laurie
    26 Nov 2014 | 2:06 am
    Anyone interested in personal finance knows or at least has heard that if you want to manage your money properly, you need a budget.  Well, today, I’m going to tell you why you should do the opposite of that and not have a budget.  Now, hear me out before you riddle the comment section with insults and criticisms, please. The Opposite Budget You see, I’ve found a way to cut expenses that doesn’t require a budget at all.  I call it the “opposite budget”.  Why?  Because when I look at my expenses, my goal is to figure out not how much I can cut from my budget,…
  • Is Amazon Prime Worth the Money?

    Grayson Bell
    24 Nov 2014 | 2:04 am
    We are in the middle of the holiday shopping craze.  This week is Thanksgiving and Black Friday is right on its way.  On top of that, Cyber Monday starts the week after. This is the week of deals and steals.  People will be shopping their minds away until they literally pass out.  While I’m not a big Black Friday or Cyber Monday shopper, I don’t mind getting a good deal when I shop.  As most of you know, I love Amazon.  I do most of my shopping there.  I’m also an Amazon Prime member.  There was a time when I thought that I wouldn’t renew my prime membership…
  • Quizzle Review – Check Your Equifax Score for Free

    Grayson Bell
    21 Nov 2014 | 10:02 am
    In this day and age, no one should be without access to their credit profile.  Your credit score and report is a huge part of your financial life.  I don’t care who you are, a good credit score is more than just getting a lower loan rate.  Not only are your rates lower, saving you money, but having a good score gives you access to many different things.  It’s not just about money, it’s also about getting rentals and even a job.  Just remember that when people tell you a credit score doesn’t really matter. It does! There are a number of good places to get your…
  • The Busy Family’s Plan for Budget Management

    Grayson Bell
    21 Nov 2014 | 2:13 am
    Happy Friday everyone!  I hope you have a good upcoming weekend. Here is a post from Russell Matthews, who is a personal finance consultant. A busy mom and dad don’t have time to allocate toward budgeting with pen and paper.  An automated system saves time as well as helps identify ways to save money and stay alert about income and expenses. A successful family maintains a healthy budget.  Here’s how to stay aware and be smart about your family’s financial plan. It Saves Time Imagine a librarian did not have the Dewey Decimal or automated bookkeeping systems.  How would he/she…
  • Consumerism is Destroying Christmas! We Have Lost Our Holiday Spirit

    Grayson Bell
    20 Nov 2014 | 6:18 am
    I love the holidays just as the next person.  The cold weather (love it), the Christmas decorations, and the time off from work.  The best part about the holidays is being with friends and family, catching up on what we have missed when our lives won’t let us get together as much as we should.  The holidays have always been something special for me.  I used to really enjoy spending time setting up decorations with my mom and baking holiday treats. Yes, men can bake.  Don’t even go there!  I would help my mom every year put up the decorations and the tree. We would spend…
 
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    Phroogal Blog

  • Manage Money: 6 Holiday Shopping Tips

    The Phroogal Jason
    26 Nov 2014 | 4:00 am
    I love the holidays. It reminds me of home cooked meals, dinner conversations with family/friends and of course gifts. For many, this period of the year is both a joy and a stressful event. We may feel the need to spend more than we have to keep up appearances or not let our loved ones down. The stress of finding the perfect gift and using credit to afford it can be the seed that sprouts financial worries in the Spring. Keep in mind the reasons why you are shopping. We shop to buy things for others and shop to buy things for ourselves. It’s okay to do both but it’s not okay to…
  • 9 Items NOT to Buy on Black Friday

    Valencia Higuera
    20 Nov 2014 | 4:28 am
    Black Friday is a week away, and if you’ve never been able to resist a deal, you might be saving your pennies and plotting your strategy for the biggest shopping day of the year. But although many retailers will offer significant discounts on everything from clothes to household goods, you might be surprised to learn that some items aren’t worth buying on Black Friday. This doesn’t mean you won’t find discounts for these items, but depending on what you’re looking for, you might do better shopping at other times of the year. Here is a list of nine items you…
  • Manage Money: Should you pay yourself first?

    The Phroogal Jason
    19 Nov 2014 | 4:15 am
    Here is a horrifying truth…no one will save money for you. Ok, maybe you are one of the lucky few that had a family or loved one save money for you. If you aren’t saving money for yourself, than who is? If the answer is the government or your employer than I’m glad you’re reading this today. It’s important that you start saving money today and not tomorrow. Many people will say they’ll save money when they get the raise or save the money from a bonus payout. The reality is that most won’t save money in either situation because of “lifestyle…
  • How to Get Out of Debt and Remove the Ball-and-Chain Forever

    The Phroogal Jason
    13 Nov 2014 | 4:27 am
    Debt is a ball-and-chain that prevents us from living our dream lifestyles. Whether you have a mountain of student loan debt or mounds of credit card debt, the feeling of being shackled to these obligations is a frightful one. Debt can cause stress impacting health and can even complicate relationships. When we’re in debt it’s hard to take responsibility and easier to push the blame to the creditors for their high interest rates and fees. However, credit isn’t the problem rather it’s our relationship with credit that led to debt. Debt is the result of our actions. Now, with that out…
  • What Happens When She Makes More?

    The Phroogal Jason
    10 Nov 2014 | 5:33 am
    I made a decision some time ago that I wouldn’t publish reviews of books on the Phroogal Blog but this is a topic that merits discussion. I’ve been corresponding with Farnoosh Torabi, author, speaker, financial guru and television personality from the Today Show. I had the opportunity to meet Farnoosh during a conference in New Orleans and got a signed copy of her book, “When She Makes More – 10 Rules for Breadwinning Women.” After the conference I headed off to the Bahamas and with plenty of time on a ship, I cracked open the book. You can imagine some of the off handed…
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    Student Debt Relief | Student Loan Forgiveness

  • Co-Signing a Student Loan – A Parents Dilemma

    Kevin Findley
    30 Oct 2014 | 7:30 am
    Co-Signing a Student Loan – A Parents Dilemma In 2009, 27 year old Lisa Mason died suddenly from liver failure. She had graduated two years earlier from Nursing School, quickly found work and began paying off her private student loans on time and without fail. After her death, while her parents had barely begun to grieve, the first call from one of the […] The post Co-Signing a Student Loan – A Parents Dilemma appeared first on Student Debt Relief | Student Loan Forgiveness.
  • Are Student Loan Defaults Going Down?

    Demetrios Sourmaidis
    15 Oct 2014 | 7:08 am
    Are Student Loan Defaults Going Down? Last month, the Education Department released its annual report on federal student loans in default showing results that makes everything look A-OK!. This is the Three-Year Cohort Default Rate and on the face of it, the news is very good. The rate for students going into default on their federal loans in 2011 is 13.7 […] The post Are Student Loan Defaults Going Down? appeared first on Student Debt Relief | Student Loan Forgiveness.
  • Predatory Student Loan Lenders Sued In Illinois Court

    Demetrios Sourmaidis
    2 Oct 2014 | 11:19 am
    Predatory Student Loan Lenders Sued In Illinois Court In September, the Consumer Financial Protection Bureau filed a lawsuit with the Northern Illinois District Court against Corinthian Colleges Inc. In it, they accuse the corporation, made up of for-profit colleges Everest, Heald and Wyotech, of predatory student loan lending, illegal collection practices and misleading potential students about job prospects and placement after graduation. In […] The post Predatory Student Loan Lenders Sued In Illinois Court appeared first on Student Debt Relief | Student Loan Forgiveness.
  • Looming Student Loan Debt Crisis Creeps Closer

    Demetrios Sourmaidis
    27 Aug 2014 | 11:55 am
    Looming Student Loan Debt Crisis Creeps Closer According to data released this month from the Department of Education, the looming student loan debt crisis appears to be getting closer. Over half of all Direct Loans are now behind on their repayment schedule. This isn’t a small number, as Direct Loans make up the largest percentage of federal student loans. Increased Debt, Decreased […] The post Looming Student Loan Debt Crisis Creeps Closer appeared first on Student Debt Relief | Student Loan Forgiveness.
  • Which Student Loan Consolidation Company To Choose

    Demetrios Sourmaidis
    11 Aug 2014 | 6:00 am
    Which Student Loan Consolidation Company To Choose Many companies in the business of helping students and parents through the student loan process are legitimate. They work hard to find the best options for their clients in securing and then repaying their federal student loans. These companies will work in the best interest of their clients, who in many cases are stuck with […] The post Which Student Loan Consolidation Company To Choose appeared first on Student Debt Relief | Student Loan Forgiveness.
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    iMoney.ph

  • You Should Do This Annual Financial Checkup

    imoney
    25 Nov 2014 | 6:00 pm
    You probably visit the doctor once a year for your annual physical exam. You probably also take your car to the shop every 5,000 kilometers. Why not do an annual financial checkup too? The end of the year is the best time to do this, because a new year = fresh start. By taking half an hour or so to sit down and check that your finances are doing great, you can make sure that you’re putting your best foot forward financially as you enter 2015. To get you started, we’ve drawn up a quick outline on the things you need to address during your annual financial checkup. Measure your progress…
  • Stop Living Paycheck to Paycheck

    imoney
    23 Nov 2014 | 11:46 pm
    Ah, the joys of living paycheck to paycheck. Looking forward to the 15th and 30th because you’re broke every 13th and 28th. Wondering where your money goes every month, and why it disappears so fast. Worrying about whether your paycheck will come before your bills are due so you won’t be hit with penalties. Sound familiar? We’ve all been there. But you don’t have to stay stuck in the vicious paycheck to paycheck cycle. There’s a solution to this problem: get one month ahead on your finances. If you’re one month ahead, you’ll never have to juggle bills or worry about making ends…
  • Get One Step Closer To Your Dreams With A Personal Loan [Infographic]

    imoney
    20 Nov 2014 | 6:29 pm
          Getting a personal loan is one of the best ways for you to fund your needs. It’s easy to apply for one: just have a valid ID and proof of income — you don’t need anything else. Approvals are relatively fast, so you can get your money quicker. They’re also a great way to pay for large expenses that require immediate payment, because you can spread out the cost of the purchase at a schedule more friendly to your wallet. So what can you use a personal loan for? Well, pretty much anything you need or want. In this infographic, we lay out how a personal loan can…
  • 6 Creative DIY Christmas Gift Ideas That Fit Your Budget

    imoney
    19 Nov 2014 | 5:53 pm
    Finding the perfect gift for your loved ones for Christmas is hard. Things are either too expensive, too useless, or too generic. Does anybody really need yet another fruitcake that they’re not going to eat? And do you really want to fight people at the packed malls for presents? Thankfully, there are thoughtful ways you can show your appreciation for the ones you love that are also kind to your bank account. These DIY Christmas gift ideas are simple, inexpensive, creative, and add a personal touch that make your presents extra special. Here are some picks that will leave your recipients…
  • 5 Starter Credit Cards For The Credit Card Newbie

    imoney
    19 Nov 2014 | 12:56 am
    If you don’t already have a credit card, trying to get one is a real pain in the neck. So many cards have so many requirements which can be daunting for the credit card newbie. What’s a person with a sub-P200,000 annual income and no credit history supposed to do? We’ve compiled five of the best starter credit cards in the Philippines for you. These cards don’t require a high annual income, have low annual fees (and all of them give you the first year for free), and charge reasonable interest rates monthly. With these starter credit cards, you can begin building a good credit history,…
 
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    FinancingLife.org

  • Virtual book tour for new book: Why Bother With Bonds

    Rick Van Ness
    24 Nov 2014 | 11:48 am
    SPECIAL PROMOTION: The kindle version of my new book Why Bother With Bonds is FREE at Amazon thru Tuesday Nov 25, 2014. Grab a copy while it is FREE! http://www.amazon.com/dp/B00PL7WS16/ Rick is on his virtual book tour and sits down for an interview with Jennifer Howell. Hear how he answers her hardball questions JENNIFER: I’m […] The post Virtual book tour for new book: Why Bother With Bonds appeared first on Virtual book tour for new book: Why Bother With Bonds.
  • Why Bother With Bonds (*** Giveaway Raffle ***)

    Rick Van Ness
    22 Oct 2014 | 3:06 pm
    A practical how-to guide for every investor. For ordinary investors who want to build an all-weather portfolio—even during low interest rates. It is time-proven wisdom, and encourages you to take control of your finances. Learn how to use CDs, bonds, and bond funds to manage risk/reward even during low interest rates. You will learn: How […] The post Why Bother With Bonds (*** Giveaway Raffle ***) appeared first on Why Bother With Bonds (*** Giveaway Raffle ***).
  • Fun Way To Teach Teenagers About Stock Market (unexpected results)

    Rick Van Ness
    27 Aug 2014 | 8:56 am
    Learn the fun way I taught my teenagers about the stock market. It's fourteen years later. I'll tell you what worked, and what didn't. They don't teach this in schools. It's great if you can do this at home. Please share your ideas. What worked for you? The post Fun Way To Teach Teenagers About Stock Market (unexpected results) appeared first on Fun Way To Teach Teenagers About Stock Market (unexpected results).
  • Video of Website Improvements (to reduce bounce rate)

    Rick Van Ness
    14 Aug 2014 | 12:08 pm
    I'm happy to report that my videos have been watched more than 216,000 times as of 13Aug2014. But while I celebrated this, I had some concern about the visitors to this website that never interacted with the website and then left from the same page they entered. My worry is that they did not find what they came looking for, so I have redesigned the website to reduce bounce rate and make it much easier for first-time visitors to find the information they are seeking. This video is a fast-paced overview of the changes and a testimonial to the instructor for the class I took to accomplish this.
  • Bond Basics 5: Individual bonds or bond fund?

    Rick Van Ness
    13 Mar 2014 | 9:13 am
    Should you own individual bonds or bond fund? The answer is easy. Learn why in this episode. Learn what every investor should know about fixed-income securities. The post Bond Basics 5: Individual bonds or bond fund? appeared first on Bond Basics 5: Individual bonds or bond fund?.
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    Find Your Balance

  • What You Need to Dispute a Credit Report Mistake

    balanceblogwriter
    21 Nov 2014 | 5:01 pm
    Have you ever found a mistake on one of your credit reports? If so, you’re familiar with the feelings of anger and injustice that come with discovering you’re being accused of something that isn’t true. Translating your motivation to fix the false information into a successful dispute takes more than just a sense of unfairness though—it requires specific steps to remedy the problem. Here’s what you need to get on the “fact track.” Get updated credit reports To start with, there are many different kinds and sources of credit reports. While there are three main credit bureaus that…
  • Upromise Offers Education Savings Options

    balanceblogwriter
    14 Nov 2014 | 1:46 pm
    Financial resources can be a challenge when it comes to paying for education, whether that means setting aside money for a child’s future expenses or paying for schooling you’ve already received. Luckily, there is a way to stash cash for educational expenses without sacrificing your other financial needs. What is Upromise? Upromise is similar to a credit card reward program – you get cash back for making purchases. However, the difference is that the rewards you earn shopping with participating companies can be directly linked to saving for a child’s future college bills, paying down…
  • The Slowdown 6: Avoiding Home Purchase Delays

    balanceblogwriter
    31 Oct 2014 | 10:55 am
    No one wants to have a long, drawn-out home buying process. But if you’re the kind of person who sees every month spent not in a new home as weeks of equity lost, you’re even more motivated to finish the purchase in a timely manner. While it’s not a great idea to rush into a new house, there are steps you can take to make the journey as efficient as possible. The roadblock: Not having a real estate agent While some may advise you to forego a real estate professional in an attempt to save money, doing so may cost you both money AND time. An agent who is experienced in working with local…
  • Tax Information Checklist

    balanceblogwriter
    29 Oct 2014 | 10:48 am
    One of the most frustrating things about preparing for tax filing is tracking down all the supporting documentation you’ll need for the IRS forms. In a perfect world, you’d have all this paperwork in one folder, ready to be processed. However, if you’ve got it spread across several locations, use this checklist to make sure you’ve got all your ducks in a row. Social Security or Tax ID number Copy of last year’s return Tax preparation expenses from previous year Past overpayment applied to current year’s taxes Taxes paid with filing of extension W-2s Business income Interest income…
  • Exercising Your Right To Better Finances

    balanceblogwriter
    27 Oct 2014 | 10:48 am
    “Financial fitness” is a popular phrase used to emphasize the importance of healthy money habits. But it might just be more telling than you ever imagined. More and more evidence is piling up that there is a link between working out regularly and making the most of your money. Stress relief First, make a list of the types of purchases you most regret afterward. Next, write down next to each buy the emotional state coinciding with your poor spending choice. Chances are that feelings like anxiety, agitation or worry are closely linked to your problem purchases. As it turns out, these are…
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    Gajizmo

  • Jobs That Require No Experience

    Gary
    19 Nov 2014 | 3:15 pm
    If you are fresh out of school, looking for a job, or in the midst of a career change, but have no job experience on your resume, finding a high paying job may seem difficult. Many available jobs require X years of education or experience, and you may find yourself falling into the paradoxical “need a job to get experience – need experience to get a job” trap. There are, however, many jobs that don’t require any experience and even offer on-the-job training to give you the boost you need to excel in that industry. They may not be glamorous careers or even offer the best…
  • How To Make Your Resume Stand Out

    Gary
    6 Nov 2014 | 2:18 am
    Your resume is the key to winning an interview. Statistically, hiring managers and human resource coordinators spend 10 to 20 seconds reviewing your resume. In that time period, you need to make your resume stand out from the other 100 they’ve received and warrant a follow-up call to learn more about you. In a competitive market, you have to design a resume that will make it through the different screening processes and onto the hiring manager’s desk. Connections, relationships and networking can help, but ultimately your resume is the most important marketing tool you have and should…
  • How Much Car Can I Afford?

    Gary
    20 Oct 2014 | 2:01 am
    Let me preface this article by saying: don’t be one of those people in the grocery store who pays with EBT or food stamps (there is nothing wrong with social welfare) and then puts their groceries into a Range Rover or Cadillac Escalade (there’s something really wrong with that). Alternatively, don’t drive around with a Bentley and then pull up to a rent-controlled apartment. Just a few recent observations that partially fueled the creation of this post. With the US auto industry still in recovery mode from recent years of poor sales, now could be a great time to buy a new or used car…
 
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    Personal Finance Advice

  • 3 Tips for Setting and Following a Holiday Budget

    Chris Bibey
    26 Nov 2014 | 5:18 am
    It is easy to lose sight of your budget during the busy holiday season. From food to gifts to travel, it may seem that you are spending money non-stop. While there is nothing wrong with spending during the holidays, you don’t want to break your budget. If you don’t, you won’t like what you see when the calendar turns and you have to return to your “normal” life. Here are three tips for setting and following a holiday budget: 1. Track every dollar you spend. The biggest mistake you can make is spending without tracking what you are doing. If this happens, you may look at your credit…
  • Top Reasons to Choose a Community Bank

    Chris Bibey
    14 Nov 2014 | 6:22 am
    With the popularity of online banking on the rise, a growing number of people are turning away from community banks and setting their sights on national institutions. While there is nothing wrong with considering this idea, you don’t want to make a change until you thoroughly compare the pros and cons of both options. Here are three of the top reasons to shun national banks for one in your local community: 1. Higher level of customer service. This may not always be the case, but most people agree that they get better service from a local bank than one that is doing business from one side of…
  • Are you making these Retirement Saving Mistakes?

    Chris Bibey
    24 Oct 2014 | 6:45 am
    Regardless of your age, income, or financial related goals, you likely understand the importance of saving for retirement. While some people have a defined plan, others continue to lag behind, wondering what they should and should not be doing. By eliminating common mistakes, you can quickly alter your approach and find yourself on the path to a better future. Here are three retirement saving mistakes that have sunk many before you. Are you going to avoid these? 1. Not starting early enough or playing catch-up. The sooner you start saving for retirement the better off you will be. Even if you…
  • How are you Going to Save this Holiday Season?

    Chris Bibey
    17 Oct 2014 | 6:48 am
    With the holiday season right around the corner, retailers are beginning to ramp up in anticipation of what is sure to be an exciting time once again. Although you still have plenty of time to purchase gifts for those special people in your life, there is nothing wrong with getting an early start. Like most, you probably have a budget for holiday gifts. As long as you know what this number is and are willing to stick to it, you will go into the new year feeling good about yourself. Here are several tips to follow if you are looking for ways to save this holiday season: 1. Don’t wait until…
  • Important Mortgage Loan Questions to Ask

    Chris Bibey
    19 Sep 2014 | 7:42 am
    There are a lot of questions to ask and answer as you search for a new home. While the act of finding a property can be downright exciting, the same cannot always be said for securing a mortgage. From local lenders to those that do business all over the country, you will be faced with many options along the way. How you make a final decision is up to you, however, there are steps you can take to improve your chance of success. Here are three mortgage loan questions to ask, regardless of which lender you are speaking with: 1. What is the best interest rate you can offer? Like most, this is the…
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    Mad Fientist

  • After-Tax Contributions and a Surprise Gift from the IRS

    The Mad Fientist
    20 Nov 2014 | 8:22 am
    Isn’t the IRS great? Most people imagine the people at the IRS as stuffy, grey-suited, money-grubbing villains but I see things differently. I imagine a bunch of sexy, lab-coated fientists cooking up interesting ways to help us retire even earlier. Since they are like us, they understand the enjoyment we get out of solving complex problems and they cater to our desire to prove our intelligence by setting convoluted rules and giving conflicting guidance. Sometimes, however, when things are particularly fuzzy and even the best financial minds are unable to agree on an appropriate…
  • Empire Flippers – Buying and Selling Websites

    The Mad Fientist
    22 Oct 2014 | 3:22 am
    Justin Cooke from EmpireFlippers.com was kind enough to join me for an episode of the Mad Fientist Financial Independence Podcast! Justin and his business partner created a marketplace for buying and selling online businesses so today I tap into Justin’s vast knowledge about both sides of online real estate transactions and take a behind-the-scenes look into the process of online business investing. For those of you who enjoyed my interview with Billy Murphy from ForeverJobless.com, you’re going to love today’s interview because we dive even deeper into the process of buying…
  • Guinea Pig – Update #6 and Giveaway

    The Mad Fientist
    14 Oct 2014 | 8:50 am
    Welcome to the ninth month of the Guinea Pig (GP) experiment. The GP experiment allows us to watch the entire journey of someone going from $0 net worth to financial independence, using real-time market returns. To check out past articles in the series, visit the Archives page and scroll to the Guinea Pig section. I’ve decided to cut back on the GP updates to once per quarter, rather than once per month, so here’s what’s been happening since the last update… The Optimized GP has maxed out his 401(k) (but left enough of a buffer so that he can continue contributing 3%…
  • Why I’m Moving My Money to Betterment

    The Mad Fientist
    15 Sep 2014 | 5:51 am
    I’ve made a big decision. I plan to transfer the majority of my taxable money to Betterment. For those who haven’t heard of it, Betterment is an online financial advisor and portfolio manager that has been increasing in popularity over the last few years. Since my decision to hand over the keys to someone else will likely come as a big surprise, I’ll start this story from the beginning. Chatting with the CEO About a year ago, I attended a financial blogger conference in St. Louis. On the first night, I was having a beer with none other than Jim Collins from JLCollinsNH.com…
  • Guinea Pig – Update #5

    The Mad Fientist
    21 Aug 2014 | 5:51 am
    Welcome to the seventh month of the Guinea Pig (GP) experiment. The GP experiment allows us to watch the entire journey of someone going from $0 net worth to financial independence, using real-time market returns. To check out past articles in the series, visit the Archives page and scroll to the Guinea Pig section. It’s been another exciting month for the Optimized GP. He maxed out his 401(k) (leaving enough room to continue contributing 3% every month to get the full employer match) and he’s now moved on to his Traditional IRA. To see why he’s going with a Traditional IRA…
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    Getting Ahead, A Personal Finance News & Exchange

  • Black Friday Shopping Tips

    26 Nov 2014 | 6:00 am
    <img title="Black Friday" alt="Black Friday " src="http://www.usequityadvantage.com/images/default-source/Blog/Images/black-friday.jpg?sfvrsn=2" /><br /> <br /> <p>Holiday shoppers &hellip; rev your engines, because the biggest shopping day of the year is almost here! By the way, do you know how Black Friday got its name? One common belief is that it&rsquo;s the point in the calendar where many retailers go from operating at a loss (in the red) to turning a profit (in the black) &ndash; hence <em>Black</em> Friday.
  • Habits of the Rich

    24 Nov 2014 | 6:00 am
    <img src="http://www.usequityadvantage.com/images/default-source/Blog/Images/habits-of-rich.jpg?sfvrsn=2" alt="rich, habits" title="habits of rich" /><br /> <br /> <p>&ldquo;How the other half lives&rdquo; might better be phrased &ldquo;what the other half do.&rdquo; Millionaires and billionaires not only have bigger bank accounts, they have different habits. Studies show that high net worth individuals don&rsquo;t just earn more than most, they behave differently too. Here's what they do, compared to those who are less…
  • Saving on Your Thanksgiving Celebration

    20 Nov 2014 | 12:27 pm
    <img title="thanksgiving dessert" alt="thanksgiving" src="http://www.usequityadvantage.com/images/default-source/Blog/Images/thanksgiving-dessert.jpg?sfvrsn=4" /><br /> <br /> <p>With gift giving just around the corner, you&rsquo;ll want to make every penny count this Thanksgiving. Luckily there are a lot of ways to save on everything from decorations to drinks to desserts. Here are some money-saving ideas just in time for the holiday.</p> <p><strong>Skip the Fancy Wine. </strong>For vineyards, the bottling of…
  • Seniors Struggling Across the U.S.

    17 Nov 2014 | 6:00 am
    <img src="http://www.usequityadvantage.com/images/default-source/Blog/Images/seniors.jpg?sfvrsn=2" alt="senior struggles " title="seniors" /><br /> <br /> <p>Census data shows that seniors across the United States are struggling to make ends meet. Households 65 and over have an average income of&nbsp;$37,847 &mdash; or about 60 percent of their average pre-retirement income. Many financial advisors recommend retirees strive to generate at least 70 percent of their pre-retirement income to support themselves after they leave the…
  • Paying off Student Loans Early Can Lead to Big Retirement Gains

    12 Nov 2014 | 6:00 am
    <img title="student loans" alt="retirement, student loans" src="http://www.usequityadvantage.com/images/default-source/Blog/Images/student-loans.jpg?sfvrsn=4" /><br /> <br /> In our November <em>Money Matters</em> newsletter,&nbsp;we discussed how you can amp up your savings from making biweekly loan payments by continuing to save during your "debt-free" period and dramatically improve your net worth. We used a mortgage in that example, but now we want to show you how, even with a smaller student loan, you can…
 
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    Rockstar Finance

  • $100 Giveaway!

    J. Money
    26 Nov 2014 | 3:30 am
    Hey guys! We’ve partnered up with the fine folks at RetailMeNot.com today to help one of y’all get a little $$$ before the shopping frenzy ensues. A $100 Visa gift card, to be exact. About RetailMeNot (and Their New App) If you’re not familiar with RMN, they’re one of the biggest online coupon sites on the web, and one of the originals from back in the day at that. I’ve been using them for what seems like decades now, and they’ve got coupons for thousands of places. (One of my rules to online shopping is to ALWAYS do a quick coupon search before checking…
  • Tales From a Reformed Couponer

    J. Money
    26 Nov 2014 | 3:15 am
    “The biggest thing I’ve learned is that coupons and rewards programs are great to aid in getting a few dollars off here and there, but it has to be on items you regularly use and would have purchased anyway. Don’t get lost in the high from getting a good deal just for the sake of getting a good deal. It’s about being mindful of what you’re buying…” Check out the tales here: FinancialDiffraction.com ——– [Photo cred: rose3694]
  • The Story of Two Turkeys

    J. Money
    26 Nov 2014 | 3:00 am
    “Its confidence increased as the number of feedings grew, and it felt increasingly safe even though the slaughter was more and more imminent. Consider that the feeling of safety reached its maximum when the risk was at its highest.” Read about the two turkeys (and lesson) here: MicawberPrinciple.com ——– [Photo cred: eye of einstein]
  • How Much a Day of Your Life is Worth [Calculator]

    J. Money
    25 Nov 2014 | 3:30 am
    “I recently got my hands dirty and ran the numbers for just how much time you buy back when you save money. The result is incredible: if you’re an average reader of this site, for every $18.12 you save today you buy back an entire day of your life when you retire.” Check out the post (and calculator) here: ALifeofProductivity.com —– Photo by Moyan Brenn on Flickr
  • What Your Credit Score REALLY Means

    J. Money
    25 Nov 2014 | 3:15 am
    “If my credit score is a measurement of the likelihood that creditors will make money from me, that means they think I’m likely to be paying interest. If I’m likely to pay interest, then I’m overpaying for the goods and services that I purchase. Is a good credit score really a good thing?” Check out the full article here: EnemyofDebt.com ——- Image courtesy of stockimages at FreeDigitalPhotos.net
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    Doctor Of Credit

  • Great Holiday Offers from Chime – Amazon, Walmart, Target, Best Buy & More

    Chuck S
    26 Nov 2014 | 4:27 pm
    25 Days – 25 Offers I received an email from Chime today with some great Holiday offers on the Chime card.   It doesn’t look like it’s targeted; all Chime cardholder probably got this email. For 25 days from December 1 – December 25 there will be one offer per day available.   Some of the offers looked very good. Here’s the offers, from December 1 – December 25: Free $5 on Amazon Free $2 at McDonald’s Free $3 at Bath & Body Works Spend $30 get $5 at Forever 21 Spend $30 get $5 at Olive Garden Spend $50 get $5 at Target Free $3 at Old…
  • Twitter Introduces ‘Twitter Offers’, Similar to Amex Offers

    Chuck S
    26 Nov 2014 | 2:15 pm
    Twitter Offers Yesterday, Twitter announced on their blog the roll-out of ‘Twitter Offers’, offers to get discounts at various retailers. These offers will show up in your Twitter timeline, and with a single click you’ll be able to save the offer to your linked credit or debit card. The discount will come in the form of a statement credit. This is part of Twitter’s entrance into e-commerce by allowing purchases to be made directly on Twitter. It doesn’t sound like these offers will be available to all, as it works with Amex Offers. Rather, it will be similar to…
  • Free $5 iTunes Giftcard – Today Only (26th November)

    William Charles
    26 Nov 2014 | 9:26 am
    Verizon is running a promotion called “Connection Day”, the idea is to basically give away a ton of freebies on the busiest travel day of the year. At first glance nothing really seemed to be that interesting (more on that later) but it seems possible to get a $5 iTunes giftcard for free. Here’s what to do: Go to the connection day website Scroll down to the iTunes radio section and click “start listening” Listen to the radio for a few songs Wait for an advertisement to pop up, the advertisement should have a button that says “see my free gift” click…
  • $25 Free Credit When You Join Roomer – Hotel Booking Website

    William Charles
    25 Nov 2014 | 3:25 am
    Roomer is a hotel booking website with a twist. They allow users to sell their unused nonrefundable rooms to other users. For example, let’s say you book a room in NYC for NYE and then suddenly your best friend let’s you know they are having a party. You couldn’t possibly miss your friends party but you obviously don’t want to lose the $1,000 you’ve most likely spent on booking a room in NYC. Enter Roomer, you list your hotel room on the website they then discount the room and on sell it to somebody looking for a room in NYC during the same time period. Roomer is…
  • Help Me Decide Where To Donate $1,200

    William Charles
    24 Nov 2014 | 5:45 am
    Back at the start of October I asked readers if they’d like the site to continue to donate at bare minimum 10% of the sites revenue to charity or if they’d prefer that that money was given out in the form of reader competitions instead. The results of that poll were as follows: Charity Contributions: 39% Mixture: 34% Reader Competitions: 26% I’ve recently spent some time in South East Asia for work and more recently some time in Myanmar/Burma as part of my vacation time. I’ve also spent a lot of time in other developing countries such as Bolivia where poverty is a real…
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    moneypantry.com

  • Get Paid to Beta Test with Erli Bird: $10 per Test

    Satrap
    25 Nov 2014 | 8:27 pm
    If you’re looking to make some extra money in an interesting and productive way, you may want to consider becoming a beta tester for a website called Erli Bird. Beta testing is just like product testing where you are compensated for testing products. But the main difference here is that with beta testing, the majority of products are digital – video games, apps, software… Now, I have in the past talked about paid video game testing jobs, but ErliBird is not exclusive to video or computer games. They have beta testing jobs for lots of different kinds of products. Beta Testing…
  • 20 Great Ways to Earn Some Extra Money on Weekends

    Satrap
    25 Nov 2014 | 10:12 am
    In today’s time-strapped world, weekends offer a little free time to enjoy your life. But for many of us, it can also be used as a way to get ahead financially. There are countless stories of people who have gotten out of debt by using the money they earned on the weekends and in their free time. Luckily, everyone has the skills to make some extra cash in their spare time – as long as you’re willing to work for it. Below, we outline some of the best ways to make some extra cash on the weekends and in your free time – ranging from very casual work to things that you can become…
  • 10 Sites to Get Strangers to Give You Money for Anything

    Satrap
    24 Nov 2014 | 10:23 am
    It’s an unfortunate truth that sometimes we reach the place in life where our own ways of earning money simply aren’t enough. In times like this, people often turn to requests for charity; Or as you may call it, panhandling. Few people are comfortable considering the idea of panhandling, or requesting assistance, but there are situations which do call for it. Sometimes people need more money than they can make, and it’s as simple as that. In the modern age, one does not even need to hit the streets with hat in hand to request money from others. There are tons of ways to get…
  • Make Money Pet Sitting: Start a Side Business with DogVacay

    Satrap
    23 Nov 2014 | 1:44 pm
    Have you ever needed to find a place for your pet to stay while you left town? Are you perhaps an animal lover who would happily get paid for your time with the furry ones? If either of those questions mean anything to you, it is time to talk about DogVacay, a website that can help you do either of those things. If you’ve ever heard of Airbnb (a website that lets you rent out a room to travelers as a bed and breakfast) this is essentially the same thing, but for pets. Animal Lovers Rejoice! Get Paid to Do What You Love Now, it goes without saying that dogs are far and away the most…
  • 10 Ways to Make Extra Money with a Pickup Truck

    Satrap
    22 Nov 2014 | 7:43 pm
    You’ve probably seen lots of people driving pickups around with little or no intention of actually using them for heavy-duty work. And it’s true, in a lot of places, pickup trucks are as much a symbol of status as they are a workman’s tool. But don’t let this fact fool you– the pickup truck is an invaluable tool for laborers everywhere. Like any automobile, the big draw of the pickup truck lies in the basic concept of “move things from point A to B.” Unlike other automobiles, though, the pickup truck has superior capacity for carrying, and also has a…
 
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    CompareHero Malaysia

  • Holiday Shopping 2014: 6 Online Shopping Deals You Shouldn’t Miss

    CompareHero
    24 Nov 2014 | 3:38 am
    Get ready for the shopping season! Aside from the 1Malaysia Year-End Sale that’s happening at over a thousand participating shops, malls, and merchants, there are also a wide variety of online shopping deals to help you get through the year end holiday shopping season! So get your credit cards, rewards points, and discount cards ready! It’s time to go shopping! 1. Reebonz http://www.reebonz.com.my/ Reebonz is having a Pre-Black Friday Sale until November 27! Get an 11% additional discount at check-out when you shop online. They also have various weekday sales and events throughout the…
  • INFOGRAPHIC: Get a Personal Loan in Malaysia in 9 Steps

    CompareHero
    21 Nov 2014 | 1:56 am
    Looking for some extra cash for a large expense? Many banks in Malaysia allow clients to sign up for personal loans, which can be used for almost anything. Want to apply for a personal loan? The infographic below walks you through some of the basic steps in applying for a personal loan from banks in your area.     Share this Image On Your Site <p><strong>Please include attribution to http://www.comparehero.my with this graphic.</strong></p><br /><br /><br /><br /> <p><a…
  • Love Road Trips? 9 Best Smartphone Apps for Drivers

    CompareHero
    20 Nov 2014 | 5:00 pm
    The cars that roll off today’s car dealers are way different from the cars that came out ten years ago. While a CD player in the car was a common thing back then, that has given way to Bluetooth-capable speakers that can play your music straight from your smartphone. Your smartphone is not just good for streaming music straight to your speaker, though. You can also download some really helpful apps to make it an even more indispensable tool on the road. Here are 10 apps that can save you money, make a long drive a bit more entertaining, and best of all, safer. 1. Waze Getting stuck in…
  • Differences Between Syariah and Conventional Financing

    CompareHero
    20 Nov 2014 | 2:31 am
    Consumers of financial products in Malaysia now have more loan options, thanks to syariah financing. Syariah financing, like conventional financing, is available for anyone in need of additional funds for consumption goods or capital. And almost all large banks now offer syariah financing, so consumers don’t have to worry about the level of professionalism in the management of funds. Still, there are several differences between syariah and conventional finance which you should consider before choosing between the two. 1. Interest vs No Interest In conventional financing, the bank charges…
  • 5 Amazing Road Trip Destinations from KL

    CompareHero
    19 Nov 2014 | 9:54 pm
    Got a credit card that offers petrol rebates? With the holidays and the year-end approaching, it’s time to take advantage and go on a road trip! Fill up your tanks and prepare for adventure, discovery, and a well-deserved vacation to these five amazing destinations near Kuala Lumpur: 1. Genting Highlands One hour outside of Kuala Lumpur and located in the forested regions between Selangor and Pahang, Genting Highlands is a self-proclaimed City of Entertainment where there is fun for everyone of all ages. Genting is, in fact, a resort owned by Resorts World. It has a lot of hotels, theme…
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    Smart Credit Building | Smart Credit Building

  • Credit Monitoring Tools

    Michael Clark
    3 Nov 2014 | 11:18 am
    When it comes to monitoring your credit there are many options, many of which leave you less than impressed with their accuracy in comparison to a lender’s credit report. After signing up for more credit monitoring services than we care to count we have narrowed it down to a few options that most accurately depict your credit scores, and give ... Read More
  • Credit Card Selection Tool

    Michael Clark
    3 Nov 2014 | 10:43 am
  • Those scores aren’t right!

    Michael Clark
    19 Aug 2014 | 8:35 am
    We hear that often along with the question “Why are they so different than what the lender shows?” The simple answer is actually a question. What scoring model was used? Fair, Isaac and Company (FICO) is a publicly traded company that provides analytics and risk based scoring including credit scoring. This is a widely accepted scoring model and plays a ... Read More
  • Is All Credit Repair Created Equal?

    Michael Clark
    23 May 2014 | 9:15 am
    If you’re here reading about building positive credit, chances are you have some negative credit as well. Through searching for information you have surely come across ads for different Credit Service Agencies that make various claims of helping you remove negative and inaccurate items. For a fee of course. You may have even talked to one or more of them, ... Read More
  • Having a Credit Card: Important or Not

    Michael Clark
    9 May 2014 | 10:50 am
    In the self-focused society we have turned into, buy now pay later and instant gratification are promoted. Credit cards are a way of life for a lot of households, and it can cause a lot of financial woes. So much so that many consumers are shifting away and going to “cash” (Debit card usage is at an all time high), ... Read More
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    Financial Market Vigilante

  • SandRidge Permian Trust – Struck by the $80 Oil Lightning Bolt

    5 Nov 2014 | 10:32 am
    On October 30th SandRidge Permian Trust (PER) announced its quarterly distribution for production during the time period of June through August 2014.  During the summer the energy market showed high oil prices throughout that benefited the Permian Trust which has 86% its production in crude oil.  The spread between WTI and WTS crude oil widened during the quarter causing a slight decline in price level realized by the Trust.The distribution announcement was greeted with a rally in the market as the units traded up from $9.50 to $9.93 per unit on the day after the press…
  • Stocks Post QE3 - Pay Attention to this Data

    30 Oct 2014 | 10:10 am
    For years the Fed Funds rate has been the sacred measure that investors followed to determine if the Federal Reserve was promoting and accommodative or restrictive policy.  Fed rate hikes were a signal that the market was a little too juiced on the punch, and margin calls or a reduction in lending in the market was considered prudent.What about today?  The Fed Funds rate has been at 0% since December 2008 yielding the rate meaningless in understanding just how Fed policy is influencing the financial markets, much less the economy as a whole.  I separate the stock market from…
  • Investors Beware, U.S. Fiscal Spending Shift Coming

    30 Sep 2014 | 6:56 am
    As we approach the 2014 mid-term elections, U.S. fiscal policy is an economic headwind without any apparent current political movement to change.The relatively tight policy as measured by rate of growth is a counter inflationary force foremost, but also potentially slows down economic growth. You can see the evidence that the present fiscal policy is currently tight by reviewing the August 2014 year over year fiscal expenditure growth rate compared to previous years when the stock market peaked.This data is surprising to many investors because they are so accustomed to hearing how Washington…
  • Lending Activity Heats Up – Should Stock Investors Worry?

    22 Sep 2014 | 6:48 am
    One aspect of the recent U.S. economic growth not widely recognized is that it is being fueled by renewed high levels of debt being taken on by consumers, businesses and investors.Unsustainable debt levels are notorious for derailing GDP growth.  This phenomenon was evident prior to the last two stock market peaks, and the risk has returned to the U.S. market once again.If you review the statistics shown in the table below, you will see that just like 2000 and 2007, debt levels in 2014 have risen to warning zone levels relative to the size of the U.S economy (red = historically high, yellow…
  • Stocks Expensive, Force Building to Knock Bull Down

    15 Sep 2014 | 5:43 am
    Many articles have been released in the media in recent weeks concerning whether the stock market is over-valued or “very expensive” and may be approaching a peak.One highly regarded researcher is Robert Schiller, who in August of 2014 was interviewedby many media outlets concerning the high level of the CAPE Ratio (cyclically adjusted P/E) to give his views.Using this analytical approach he notes, “The United States stock market looks very expensive right now.”I take a slightly different approach to look at the relative value of stocks compared to historical norms, but reach the same…
 
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    Money International

  • Construction Ends On New World Trade Centre

    Martin Hughes
    26 Nov 2014 | 9:06 pm
    One World Trade Centre has risen like a phoenix from the ashes and rubble of ground zero in downtown New York to dominate the skyline as the tallest skyscraper in the West. Two-thirds of the massive building’s 3 million square feet of floor space is now leased. The original twin towers of the World Trade Centre were destroyed in the 9/11 terror attacks. One World Trade Centre is a completely different building, designed and constructed from scratch using the latest techniques and materials. Standing at 541 metres high over 109 floors, of which five are at basement level and below, One World…
  • Crunch Time For Sweet Eaters As Chocolate Runs Out

    Vicky Dixon
    26 Nov 2014 | 9:06 pm
    If you like to nibble on chocolate, you should start thinking about stockpiling a secret supply because the world is running out of the key ingredient – cocoa. Chocolate industry experts are seriously warning that our sweet dreams could soon become a nightmare. Cocoa is the basic ingredient of chocolate, but world supplies are diminishing. One of the problems is everyone likes chocolate so much that globally, we are eating into cocoa reserves. Last year, the world ate 70,000 tonnes more cocoa than was harvested. Two big names in the world of chocolate are causing a stir with their warnings…
  • Rising Prices Are Good For The Global Economy

    Martin Hughes
    25 Nov 2014 | 9:52 pm
    It’s a funny old world when the best financial future for most of us includes a steady rise in the cost of living. Rises prices contribute to prosperity because they allow companies to pay higher wages, and higher wages give us more disposable income. Closing that circle means we can spend that extra cash on more things, which increases profits for firms and so on. Now change that scenario to the one everyone is currently experiencing. The prices of raw materials are falling. Oil, gold, iron ore, precious metals are cheap and getting cheaper all the time. Wages are stuck in a rut because…
  • EU Tightens Pet Passport Rules

    Martin Hughes
    24 Nov 2014 | 9:43 pm
    Expat passionate about their pet cats, dogs and ferrets face tougher border checks under new European Union rules. From December 29, 2014, the current pet passport laws change. Tighter rules are aimed at curbing pet owners who try to abuse the scheme and making imported pets easier to trace once they enter an EU country from another member state. The pet travel scheme lets pet owners take cats, dogs and ferrets in and out of EU countries without any requirement for quarantine, as long as the scheme rules are obeyed. Travel documents The new rules make qualifying for a pet passport tougher by:…
  • Gap Between Top Financial Centres Narrows

    Martin Hughes
    24 Nov 2014 | 9:39 pm
    Competition between the world’s top financial centres is levelling out, according to a new survey. Although New York, London, Hong Kong and Singapore continue to dominate the rankings, the difference between Wall Street and the City of London is just a wafer thin margin of a single point, says the latest Global Financial Centres Index from researchers Z/YEN. Marked out of 1,000 points across a broad range of factors, thousands of bankers and financiers worldwide contributed their opinions to the study. Most of the top 30 world financial centres failed to perform well. Only two of the top 15…
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    SuperMoney!

  • The Truth Behind Black Friday Deals Nobody Wants You To Know

    Gina Roberts-Grey
    24 Nov 2014 | 1:07 pm
    Fresh from their tryptophan-induced slumber, a sea of savvy shoppers will flock to stores this Black Friday, according to the National Retail Federation’s Thanksgiving Weekend Expectations survey conducted by Prosper Insights & Analytics. Six in ten shoppers say they will or may shop at some point during the four day weekend, which equates to more than 140.1 million people. Those expectations are similar to 2013’s preliminary survey results of 140.3 million projected shoppers.Specifically, 29.5 percent of holiday shoppers state they’re planning on spending money on Black Friday…
  • 4 Ways Banks Are Making Money Off You

    Audrey Henderson
    24 Nov 2014 | 1:40 am
    Banks have been around as long as anyone can remember, dating back as early as 2000 BC. They perform essential services, including providing a safe place for individuals and companies to keep their money. They process endless transactions and pay the people we want to pay, they even give us interest on some of our money that they hold. So how do they make money to be able to stay in business?While it is true that the purpose banks serve is to help manage out money for us, they don’t provide those services for altruistic purposes. They’re businesses designed to make a profit, just like any…
  • Don’t Fall Prey To Hackers This Cyber Monday: 20 Tips

    Audrey Henderson
    23 Nov 2014 | 10:43 am
    Back in the day, Cyber Monday referred to the fact that many online shoppers only had access to fast Internet connections at work.  Retailers recognized the phenomenon and began to offer fabulous post-Thanksgiving deals on the Monday after the holiday in addition to the traditional in-store shopping on Black Friday. Nowadays, Cyber Monday can occur anywhere: at home, even on the go through mobile phones and tablets.Nonetheless, the name has stuck, and so have the deals, which are just as popular as ever with bargain-seeking shoppers who want to avoid the madness of crowds downtown and at the…
  • 12 Expensive Recipe Ingredients You Can Easily Replace

    Tania Galloway
    21 Nov 2014 | 10:59 am
    With the holidays quickly approaching, there may not be much time left before your house is filled with hungry holiday revelers. Baking or cooking super fancy, impressive dishes can seem like an intimidating task to take on, but is usually easier than it looks. After all, you’ve been on Pinterest for a month solid, finding awesome and easy ideas to try, right?The problem, of course, is while you may have Martha’s creativity and panache, you may be working with your decidedly less creative and panache-y budget. Well, have no fear! These great ideas for replacing expensive ingredients with…
  • Financial Lessons We Can All Learn From California’s Prop 1 & 2

    Andrew Latham
    19 Nov 2014 | 12:06 pm
    In just two years time, California has gone from a basket case state with a shortfall of almost one-third the size of its entire budget to having a $7 billion surplus. Why does California, the largest economy in the U.S. with a GDP the size of Russia’s have such income volatility issues? More importantly, what can we learn from how the state legislature is trying to fix the problem?California’s Income Tax and Water IssuesCalifornia tax code relies heavily on personal income taxes for revenue, as opposed to sales tax or corporate tax revenue. When the stock market does well and wealthy…
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    Your Smart Money Moves | Personal Finance Blog

  • Gift Happiness Is About Expectations Met Or Unmet

    Ted Jenkin @ Your Smart Money Moves
    25 Nov 2014 | 9:31 am
    The holiday season will be upon us soon and what could be better than having your parents give you a large gift of cash, real estate, or stock? Now think about wrestling with unwrapping the emotional paper that will come along with this gift for the rest of your life. I have shared with people that happiness in life is largely dictated by expectations either met or unmet. When a parent gives a large gift to their children or grandchildren, there is often no discussion around the expectations that come along with the gift. (i.e.what type of wedding you need to have, what type of house you must…
  • Don’t Get Ripped Off On Black Friday

    Ted Jenkin @ Your Smart Money Moves
    21 Nov 2014 | 2:30 am
    After the turkey, the football, and the one awkward conversation with your cousin that happened to get stuck at the card table with you at the end of the big Thanksgiving table, comes the second holiday during Thanksgiving week called Black Friday.  The day’s name originated in Philadelphia where it originally was used to describe the heavy and disruptive pedestrian and vehicle traffic which would occur on the day after Thanksgiving. Use of the term began by 1966 and began to see broader use outside Philadelphia around 1975. Later an alternative explanation began to be offered: that…
  • Don’t Invest In The Dreams of Someone Else

    Ted Jenkin @ Your Smart Money Moves
    19 Nov 2014 | 11:23 am
    As we age in our financial lives, each of us has had that pit in our stomach feeling of a major financial mistake we wish we had never made. For some people, there will be no recovery from these mistakes while others still have the opportunity to make up for lost time. Although I’ve been fortunate to have very few blemishes in my own personal financial life, the financial move I would welcome doing over again would be to invest in a friends dream with the hope of getting some return on my money. Unless you are a really savvy and experienced investor, I am not a big fan of investing money in…
  • VIDEO: Don’t Invest In The Dreams of Someone Else

    Ted Jenkin @ Your Smart Money Moves
    18 Nov 2014 | 9:27 pm
    Read the full post here.
  • Obamacare: Open Enrollment What You Need To Know

    Ted Jenkin @ Your Smart Money Moves
    17 Nov 2014 | 5:32 am
    It may be open enrollment season for many of you at work, but for millions of Americans it will be the official open enrollment for Obamacare coming up this Saturday.  Amidst the unknown of the upcoming Supreme Court case regarding federal subsidies, there is a plethora of information to digest for those of you who are considering the federal marketplace for your health insurance.  Here are my five smart money moves Q & A to help you get an initial start to understanding the open enrollment period beginning this week. Get Obamacare Help Here > Question 1:  When does open enrollment…
 
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    Money On Trees

  • Student debt, you’re the thorn in my side.

    Fabio Marrama
    13 Nov 2014 | 9:32 am
    The average Canadian student graduates university with $28,000 of debt and takes an average of 14 years to pay it back. This means that if the average student graduates at 23 or 24, they will be paying off their debt by 37 or 38. Wow. For some it’s probably not until graduation comes around that the word “debt” comes up in conversation. Quite simply, student debt sucks and many Gen Y’ers are simply tired of dragging it around. For many it’s because it sometimes feels like it’ll never come to an end. I recently discovered an article in the Globe and Mail – one that many of you…
  • November Is Financial Literacy Month

    Fabio Marrama
    7 Nov 2014 | 8:19 am
    It’s crazy that year after year we still know more about pop culture, healthy diets and the world of sports than we do our own finances. To be quite honest – I’m even in this spot sometimes so I can relate. We dedicate more time researching “sport scores or current fashion trends” in Hollywood than what our own finances look like. Yikes, kind of scary, but true. When it comes to understanding our finances, it’s time we make it a priority. There’s a purpose that Financial Literacy Month was created. Canada is still falling behind when it comes to financial literacy – a reason…
  • Car Insurance: Can I even afford you anymore?

    Fabio Marrama
    23 Oct 2014 | 7:47 am
    I know exactly what it feels like to fork over 50% of your pay cheque to one thing every single month – and I’m not talking mortgage or rent. That’s what car insurance was like for me. Was I the greatest driver? No, and I’ll be the first to admit that, but the industry wasn’t so much in my favour at the time. Car insurance is definitely not the cheapest thing going for Gen Y’s out there. I recently read an article in the Globe and Mail about the state of car insurance affordability for Millennials these days. It struck me how soaring premiums have nearly priced out Gen Y from the…
  • Happy One Year to Money On Trees

    Fabio Marrama
    16 Oct 2014 | 12:47 pm
    It’s hard to believe one year has already flown by. We’re excited to be a great resource for our community – no matter what age or stage in life. I must say, it’s definitely a great time to celebrate all that we’ve been able to accomplish over the past 365 days. Along with the variety of blogs we post every week, we’ve also had the privilege to present financial literacy seminars to many young adults from various schools, conferences and events in our communities. We have been fortunate enough to bring Money on Trees seminars to different events within our communities this past…
  • Forking it over: Canada’s Highest Tuitions

    Fabio Marrama
    2 Oct 2014 | 10:56 am
    Let’s be honest – Getting a post secondary degree can be a pretty costly decision. If you’re like me, balancing a serving tray on weekends at a local café pinching the tips I’d earned was my way of “paying for school”. In my spare time, I’d be applying for numerous scholarships and bursaries in hopes that one might slash some dollars off my tuition. Eventually, I paid it off. It wasn’t easy, and it’s not getting any easier it seems. I recently read an article in the Huffington Post on Canada’s Highest Tuitions. It looks like they’ve made a jump. According to a…
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    Bankrate.com » Rates

  • Mortgage rates in Dallas, Texas

    Clare Mallen
    26 Nov 2014 | 9:00 am
    See this week's average rates for the 30-year fixed-rate mortgage, 15-year fixed-rate mortgage, 5/1 ARM and 30-year jumbo mortgage in metro Dallas.
  • Mortgage Rates in Chicago, Illinois

    Mitch Strohm
    26 Nov 2014 | 9:00 am
    See this week's average rates for the 30-year fixed-rate mortgage, 15-year fixed-rate mortgage, 5/1 ARM and 30-year jumbo mortgage in metro Chicago.
  • Mortgage rates in Atlanta, Georgia

    Clare Mallen
    26 Nov 2014 | 9:00 am
    See this week's mortgage rates in Atlanta for the 30-year fixed, 15-year fixed, 5/1 ARM and jumbo home loans.
  • Mortgage rates in Washington, DC

    Clare Mallen
    26 Nov 2014 | 9:00 am
    Here are the weekly updated mortgage rates for Washington, D.C., including the 30-year fixed, 15-year fixed, 5/1 ARM and jumbo home loans.
  • Mortgage rates in Houston, Texas

    Clare Mallen
    26 Nov 2014 | 9:00 am
    See this week's average rates for the 30-year fixed-rate mortgage, 15-year fixed-rate mortgage, 5/1 ARM and 30-year jumbo mortgage in metro Houston.
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    Bankrate.com » Saving Money

  • Jean Chatzky: Black Friday savings tips

    Jean Chatzky
    26 Nov 2014 | 6:04 am
    These four secrets will help you get the best price -- and value -- when you start your holiday shopping.
  • Lower the cost of coping with winter

    Paula Pant
    24 Nov 2014 | 1:46 pm
    Here are six ways to help ease the burden on your wallet while keeping warm this winter.
  • 7 tips for replacing your winter clothes

    Paula Pant
    22 Nov 2014 | 5:00 am
    With temperatures falling, it is time to pull out your winter clothing from storage. But as you do so, you may realize that last year's winter clothing doesn't fit you anymore, or it's worn out. Pants, sweaters, jackets, scarves and boots are all expensive. What can you do? Here are seven frugal ways to replace
  • 10 ways to save on Thanksgiving dinner

    Paula Pant
    20 Nov 2014 | 1:38 pm
    Last year, it cost the average American family around $49 to feed 10 people for Thanksgiving, according to the American Farm Bureau Federation's survey of consumer grocery prices. That's a chunk of change for one meal if you're on a budget. But hosting the holiday get-together doesn't have to cost so much. Here are 10
  • 3 end-of-year financial planning moves

    Paula Pant
    20 Nov 2014 | 3:05 am
    Here are three important year-end financial planning moves to consider.
 
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    Stock News Desk

  • U.S. GDP, Consumption Beats Wall Street Expectation

    James Smith
    25 Nov 2014 | 6:45 am
    New York City, New York – (StockNewsDesk) – 11/25/2014 — Standard & Poor’s (S&P 500) scaled new heights as Gross Domestic Product (GDP) of the largest economy in the world expanded beyond estimates. Additionally, encouraging reports from German economy also boosted investor sentiment. According to the Commerce Department, the GDP of the United States expanded at a seasonally annualized rate of 3.9% compared to the Street’s estimates of 3.3%. The second quarter expanded by 4.6%. Manufacturing, factory orders and service industry have spearheaded the growth of the US…
  • Investor Optimism, Euro Zone Data Push S&P 500 to Record Levels

    Prabir Sinha
    24 Nov 2014 | 7:47 pm
    New York City, New York – (StockNewsDesk) – 11/25/2014 — The US markets continued to rally, hitting multiple highs. Investor optimism in the US economy, supported by better than expected economic numbers from the euro zone, is primarily responsible for the rally. On Friday, Chinese lawmakers decided to lower one-year lending and deposit rates while the European Commission’s chief Mario Draghi expressed interest in widening the stimulus. These events combined to spur the global rally taking place. United States’ major index Standard & Poor’s (S&P 500) increased…
  • Ross Stores Beats Expectations and provides Strong Guidance

    Andy Manalis
    22 Nov 2014 | 10:47 am
    Santa Barbara, CA – (StockNewsDesk) – 11/22/2014 — Ross Stores reported better than expected earnings on late Thursday. The earnings of the company rose nearly 12%. Both revenue and earnings per share (EPS) of the company beat Wall Street’s expectations. California-based Ross Stores surprised investors by reporting net income of $192.72 million compared to the earlier period’s figure of $171.62 million. This comes to $0.93 a share, compared to last year’s EPS figure of $0.80. The Street expected an EPS of $0.87. The revenue of the company increased to $2.60 billion. This…
  • Europe and China put the Global Market on All-Time High

    James Smith
    21 Nov 2014 | 11:42 am
    New York City, New York – (StockNewsDesk) – 11/21/2014 — The major indices of the U.S. market, S&P 500 and the Dow Jones achieve a new height because of the stimulus measures introduced by Chinese government. The European Commission chief Mario Draghi comments also infused optimism among investors on the Wall Street. Currently, the broader indices are trading at all-time high levels. The stimulus measures took place after China’s factory growth sunk to a new low of 50.0 in six months. The European government feared the economy may weaken like Japan’s; because of which…
  • U.S. Market Defies Europe’s and China’s Slowdown

    David Goehst
    20 Nov 2014 | 11:44 am
    Kokomo, IN – (StockNewsDesk) – 11/20/2014 — U.S. markets shrugged off early losses and bolstered gains on the back of better than expected economic results. The inflation rate and consumer prices, month over month (MoM) and year over year (YoY) is primarily responsible for investor optimism. However, the number of people filing for unemployment benefits fell short of expectations. On the other hand, European and Chinese economy continued to show signs of the slowdown. Consumer prices inched towards the goal set by the federal reserve of 2%. MoM consumer prices remained unchanged…
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    The Travel Sisters

  • Have You Registered for These SPG Promotions?

    Patti
    25 Nov 2014 | 4:33 am
    Sunday, November 30, 2014 is the last day to register for two promotions by SPG – the SPG® More For You promotion and the SPG Triple Crave promotion.  The SPG® More For You promotion also allows you to earn 500 bonus Starpoints just for updating your stay preferences. SPG® More For You promotion Register for the SPG® More For You promotion to earn double or triple Starpoints for stays from September 15 through December 15, 2014 at over 1,000 participating Starwood hotels and resorts. The SPG® More For You promotion will earn you: Double Starpoints on stays of two or more…
  • News in Miles and Points: Korean Air No Longer Ultimate Rewards Partner, Delta Releases Award Charts and Ends Stopovers on Award Travel and Register For World Rewards with SPG and Emirates Skywards

    Patti
    22 Nov 2014 | 5:41 am
    Here are a few news items regarding miles and points from this past week: Korean Air No Longer Chase Ultimate Rewards Partner? Per One Mile at a Time, Korean Air is no longer showing up as a transfer option for Ultimate Rewards points. Chase has not made an announcement but when I checked Korean Air is no longer listed on the Ultimate Rewards website as an option. Delta Releases Award Charts and Ends Stopovers on Award Travel Beginning January 1, 2015, Delta will be changing its SkyMiles mileage program.  Delta announced its changes earlier this year but now they have released their…
  • Travel News: Uber Lowering Referral Credit, Ten Year Chinese Visas, Spirit Adding New Routes, JetBlue Adding Bag Fees and Reducing Legroom

    Patti
    21 Nov 2014 | 4:33 am
    Uber Reducing Referral Credit Uber has been offering $30 referral credits. Basically if you invite one of your friends to try Uber both you and your friend each earn a free $30 ride. Effective November 23, the referral credit is being reduced to $20. So if you have not yet signed up for Uber now is a great time to do so. If you already use Uber, this is a good opportunity to invite your friends to try it.  If no one you know has a referral link we would be grateful if you sign up using our referral link. China Now Offering 10 Year Visas The US and China have entered into a reciprocal…
  • Why Now is a Good Time to Apply for the Chase Freedom (If You Don’t Have One Yet)

    Matilda
    20 Nov 2014 | 3:03 pm
    If there is one credit card that I think pretty much everyone should have -whether they collect points or just cash back- it would be the Chase Freedom card.  I have one and so does everyone in my family. There are a few reasons why I think the Chase Freedom card is so great in general: There is no annual fee so can keep forever if you want 5% on up to $1,500 spent in rotating bonus categories each quarter and 1% on all other purchases Low minimum spend requirement to earn sign up bonus 0% intro APR for 15 months on purchases and balance transfers (making this one of the only credit cards…
  • Earn 500 Bonus Starpoints – Quick and Easy

    Patti
    19 Nov 2014 | 2:16 pm
    In connection with the SPG More For You promotion, you can earn 500 bonus Starpoints just for updating your SPG profile.  This should not take more than a minute or two. Here is what you have to do: 1) Register for the SPG More For You promotion at www.spgpromos.com/moreforyou by November 30, 2014 by entering your SPG number and email address. 2) Update your stay preferences on your spg.com profile by December 15, 2014. Although the SPG More For You promotion requires a stay to earn triple points, you do not need to complete a hotel stay to earn the 500 Starpoints. But you still have to…
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    Advantage CCS

  • Black Friday vs. Cyber Monday: Which day has the Best Deals?

    Lauralynn Mangis
    26 Nov 2014 | 8:59 am
    Everyone has heard of Black Friday and Cyber Monday by now. This 2014 holiday shopping season will see 180 million people spend around $82 billion. That’s an average spend of...The post Black Friday vs. Cyber Monday: Which day has the Best Deals? appeared first on Advantage CCS.
  • 10 Steps to Eliminate Credit Card Debt

    Lauralynn Mangis
    21 Nov 2014 | 8:28 am
    People always ask me this same question: “How can I get rid of my credit card debt as quickly as possible”. And the answer is always: “You didn’t get into...The post 10 Steps to Eliminate Credit Card Debt appeared first on Advantage CCS.
  • Money Problems and Stress: How to