Personal Finance

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  • On gratification

    Early Retirement Extreme
    Jacob
    30 Jul 2015 | 1:37 am
    It is much more gratifying to say “I did that” than “I paid for that.” Copyright © 2007-2015 earlyretirementextreme.com This feed is for personal, non-commercial use only. The use of this feed on other websites breaches copyright. If you see this notice anywhere else than in your news reader, it makes the page you are viewing an infringement of the copyright. (Digital Fingerprint: 47d7050e5790442c7fa8cab55461e9ce)Originally posted 2010-12-29 22:17:30.
  • 6 reasons to overcome a fear of plastic

    fivecentnickel.com
    Richard Barrington
    29 Jul 2015 | 1:00 am
    As I was coming of age, I became aware of too many examples of people who had gotten into trouble with credit card debt. It made me avoid getting a credit card for several years. Eventually, though, I overcame my fear of plastic, and realized it is the user and not the card that should be in control. A healthy concern about credit card use is not misplaced. After consumers reined in their spending in the immediate aftermath of the Great Recession, they have expanded their credit card debt in each of the last four years, and that debt is on the rise again in 2015. Still, having a credit card…
  • What Rising Interest Rates Mean For You

    My Dollar Plan
    Don
    29 Jul 2015 | 6:29 am
    Investors and consumers have been paying close attention to the Federal Reserve recently, wondering when they will begin raising interest rates. While the Fed meets this week, I want to walk through what you as a consumer and investor can expect when interest rates do rise. But first, why raise interest rates? When will interest rates rise? Why Raise Interest Rates? In today’s economy, the Federal Reserve would raise interest rates to slow down inflation. While inflation that is measured by the Consumer Price Index is tame, as consumers, we see rapidly rising prices, especially in the…
  • Don’t Fall Victim to Financial Complacency

    Good Financial Cents
    Jeff Rose
    28 Jul 2015 | 8:24 pm
    “Whatever you do, don’t become complacent to your surroundings.” That was a warning that we all received prior to being deployed to Iraq in 2005. We heard it from our pre-deployment trainers. We heard it from our higher ranking officers. We even heard it from our family. Don’t become complacent to your surroundings. The second part of that warning that often went unspoken – but was clearly understood – was “because if you do, that’s when the enemy will get you.” Becoming complacent is sometimes too easy. You get comfortable. You get into a routine. You think that it can…
  • 10 things you don’t have to worry (much) when you are not rich & famous

    LCF on Personal Finance
    ChingFoo Lieu
    29 Jul 2015 | 7:39 pm
    The majority of the population have to manage, in some form or another,  the struggles of living with financial issues. The other part of the population who are very well off, seems to have no financial-related worries, but is this true? If they were ever to talk about their problems, they’re usually labeled as “first world problems.” The rich and famous do suffer from legitimate problems like “normal” people. As the old saying goes, being rich doesn’t mean all your worries and problems will go away. Money doesn’t buy happiness after all, right?  Below are the first world…
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    I Will Teach You To Be Rich

  • How to craft perfect answers to any interview question

    Ramit Sethi
    28 Jul 2015 | 8:00 am
    Do you know what’s better than memorizing a long list of interview questions you might be asked? Answer: Learning how to craft the perfect interview response to any question. That way no matter what you’re asked, you’re never caught off-guard.   Today, I’m going to show you a framework that guarantees you always give a compelling response to ANY interview question. Then I’ll show you how to apply this framework to the top three toughest questions so you know exactly how to respond. How to craft the perfect response (no matter what the question is) Storytelling is the secret…
  • 3 tips to dominate your job interview and give the perfect answers

    Ramit Sethi
    23 Jul 2015 | 7:00 am
    Congratulations! It took a lot of work and preparation, but you landed the interview and separated yourself from the others by… Using a warm connection to earn a few minutes of time. Showing all the telltale signs of being a perfect candidate. Crafting VIP marketing materials and resumes that were so good this company felt compelled to invite you. Now the game REALLY begins. Why? Because the job interview is where you win or lose the offer. Even the world’s best resume and cover letter won’t save you if you commit common, critical mistakes. The REAL way to win an interview is by taking…
  • How to ask for a promotion

    Ramit Sethi
    10 Jul 2015 | 8:43 am
      Asking for a promotion is an extremely stressful moment in your career. “What if they say no?” “What if they laugh me out of the room?” “What if they don’t see the value I add to the company?” Just thinking of the possibilities can make you sick. But if you’ve tackled larger workloads, added tremendous value, and never missed a beat since starting your current role, shouldn’t your job title adequately reflect your increased value? It’s time to ask for a promotion. In this article, I’ll show you exactly how to turn a typically uncomfortable conversation into an…
  • How to work smarter, not harder — with Jermaine Griggs

    Ramit Sethi
    8 Jul 2015 | 8:00 am
    About a year or two ago, I bought a $2,000 course on automation that blew me away. It was one of the most advanced courses I’ve ever purchased. I got so interested that I ended up becoming friends with the founder, and I want to share some of what I learned about automation with you today. Automation is a powerful tool you can use to create more freedom, flexibility, and fun in your day. OTHER PEOPLE: “I need more time. I have a million things to do, and I have no idea how I’m going to get everything done.” IWT READERS: “Wait a minute. What if I put repetitive and redundant…
  • How I read hundreds of emails/day in less than an hour

    Ramit Sethi
    6 Jul 2015 | 8:00 am
    I always LOL when I get emails like this:   I do read every email. Just like I’ve said 50,000 times to you nutcases. But for a lot of people, it’s unfathomable that somebody can actually read 1,000+ emails/day and still get work done. HOW? How do you actually get things done without mindlessly answering a bunch of emails all day? First, I use similar systems like the one I outlined in my book. Remember my automation system for your finances? You can do the same with email — send everything where it needs to go, automatically. How to put your email on autopilot Most importantly,…
 
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    Get Rich Slowly - Personal Finance That Makes Sense.

  • Act fast for double cash back rewards from Discover

    Linda Vergon
    30 Jul 2015 | 4:00 am
    This article is by Curtis Arnold, CardRatings.com editor-in-chief. It’s not often that a credit card company offers to double its usual rewards on a range of its plastic for an entire year — but that’s precisely what Discover is doing for new customers with its current limited-time offer. How the offer works Discover’s eye-catching offer applies to cash-back cards including: Discover it card®-Double Cash Back your first year, Discover it®-Double Cash Back your first year, Discover it® chrome-Double Cash Back your first year, Discover it® for Students-Double Cash Back…
  • Getting real (and serious) about your financial future

    Lisa Aberle
    29 Jul 2015 | 4:00 am
    This article is by staff writer Lisa Aberle. Have you ever wanted — really wanted — to change your financial situation but, when you tried, you felt like you were slogging through wet cement or trying to turn a huge ship around? You got exhausted and stopped, right? Change is like that. You can change — and you can also make it easier for yourself. But first, are you clear about why you want to change? Clarify your reasons I assume you have already spent some quiet time contemplating why you want to improve your financial situation. Why do I say that? Because if improving…
  • 5 ways to pay yourself first

    Honey Smith
    28 Jul 2015 | 4:00 am
    This article is by staff writer Honey Smith. Recently, we discussed the benefits of paying yourself first. But exactly how do you go about doing that (especially if you feel like you’re living paycheck to paycheck already)? If you are just starting to manage your money or you simply struggle when it comes to budgeting in the first place, paying yourself first may seem like one of those personal finance concepts that sounds good in theory but is difficult to put into practice in reality. Fortunately, you can start small, get some good habits in place, and scale up from there. Here are…
  • Your teen’s summer jobs could be their first million

    William Cowie
    27 Jul 2015 | 4:00 am
    This article is by staff writer William Cowie. Few things are as much a part of growing up in America as getting a summer job. And here’s why most agree a summer job is a good thing to have as part of your coming of age: You get a good introduction to the rest of your life, which more likely than not will involve a job — working for someone else. You learn about being on time, maintaining quality standards, and the many nuances of employment that can never really be taught in school. It’s usually an eye-opener to the reality adults live with, i.e., the need to get along with…
  • Do you practice retiring?

    Linda Vergon
    24 Jul 2015 | 4:00 am
    This article is by editor Linda Vergon. I know quite a few people who are approaching retirement right now. And from talking to them, one thing is clear to me: There’s a lot of apprehension about making this transition. The pressure to make the right decisions doesn’t stop just because you’re nearing retirement. In fact, from what I can tell, it seems to intensify. There are still a lot of important decisions to make: When should I stop working? How will I spend my day? Where should I retire? What lifestyle changes do I need to make? There’s a lot of advice to take in as well. And…
 
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    Consumerism Commentary

  • Hurry while Discover’s double-miles deal lasts

    Curtis Arnold
    21 Jul 2015 | 2:30 am
    Whether you’re planning a very special trip next year or just travel a lot, there’s currently a limited-time offer you really ought to think seriously about. The Discover it® Miles-Double Miles your first year card is effectively offering double miles for the first year after new cardholders (but not existing ones) open their accounts. Here’s how it works: After the first consecutive 12 billing periods that your new account is open, Discover will double all the miles you’ve earned and apply them to your account in the next billing cycle. Cardholders earn 1.5x miles…
  • Metrics for your household finances

    Richard Barrington
    17 Jul 2015 | 8:23 am
    It’s the heart of the baseball season and, whereas 20 years ago talk about the sport would have centered on the All-Star Game, the trade deadline, and how the pennant races were shaping up, now the chatter is filled with terms like “Wins Above Replacement” and “Defense-Independent ERA.” For better or worse, advanced metrics have taken hold in baseball. What is interesting about the transformation of so many sports nuts into statistics geeks is that Americans don’t generally apply the same quantitative rigor to their household finances. That’s a shame,…
  • Maimonides’ 8 Levels of Charity

    Luke Landes
    17 Jul 2015 | 5:15 am
    In researching historical and religious views on charitable giving, I came across Maimonides’ hierarchy. He believed that there are 8 degrees of charity. These deal primarily with providing for the poor. Here are his 8 levels, from the highest to lowest. Do you agree with this assessment? How high are you on the list? Investing in a poor person in a manner that they can become self-sufficient. Giving to the poor without knowledge of the recipient and without allowing the recipient to know your identity. Giving to the poor with knowledge of the recipient but without allowing the…
  • Thank You: Twelve Years of Consumerism Commentary

    Luke Landes
    16 Jul 2015 | 10:34 am
    Twelve years ago today I started a blog called Consumerism Commentary. On that date, I was about one year into my journey of improving my finances. I had the bright and forward-thinking idea to track my progress — both in my bank accounts and in my skills of money management — publicly but anonymously, and by the end of the day I had a new website up and running. You can see what it looked like in 2003, in the graphic below, thanks to the Internet Archive’s Wayback Machine. I’ve told the story a few times before. Here’s my most recent and succinct retelling of…
  • Life Is Short: Toxic Financial Attitudes

    Luke Landes
    30 Jun 2015 | 5:50 am
    There’s a good reason I can’t get into extreme savings for retirement. When desperate financial times call for desperate financial measures, there is a good incentive to cut all unnecessary spending and eliminate bad debt. Many people even wait until they hit rock bottom before reforming their approach to their finances, because the effects of bad money management aren’t always clear until they’re completely unavoidable. After one extreme — complete lack of reasoning and complete lack of understanding consequences — there is a tendency to hit the other…
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    Forbes - Personal Finance

  • 1 In 5 Would Pay More To Get Off The Plane First

    Kate Ashford
    30 Jul 2015 | 10:53 am
    A new survey suggests that air travelers would be willing to pay more for an assortment of premium privileges, both on the ground and in flight.
  • Prepare Your Finances For When You Can't Manage Them

    Next Avenue
    30 Jul 2015 | 7:25 am
    Critical steps to take in case you become cognitively impaired.
  • Small Businesses Can Increasingly Use Invoices To Get Loans

    Nick Clements
    30 Jul 2015 | 7:25 am
    One of the biggest challenges facing small businesses can be the time that it takes to get paid by customers. Often some of the largest, most creditworthy customers take the most time to pay. Eyal Lifshitz, founder of BlueVine, witnessed this problem first-hand during his youth. His father owned a
  • What You Can Learn From the 1% About Keeping Family Wealth Going

    LearnVest
    30 Jul 2015 | 7:04 am
    You're not a Rockefeller. But it doesn't mean you can't steal ideas from the rich to set up your kids—and their kids—for success.
  • The Resurgence Of The Middle-Class Millionaire

    Russ Alan Prince
    30 Jul 2015 | 5:51 am
    In the late 20th century, a segment of the high-net-worth population, referred to as middle-class millionaires, emerged. They were the “working rich.” With a net worth generally ranging between $1 million and $10 million, they were raised in traditional middle class homes and adopted what can loosely be described as middle-class values. Very importantly, in spite of their wealth, they defined themselves as middle-class.
 
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    My Money Blog

  • Combining Maslow’s Hierarchy of Needs & Personal Finance

    Jonathan Ping
    30 Jul 2015 | 1:40 am
    Updated. You may or may not be familiar with Maslow’s Hierarchy of Needs, which is part of one theory explaining human behavior by psychologist Abraham Maslow. It suggests that there are five general levels of needs: Physiological Safety Social Esteem Growth These are often represented as a triangle due to their relative importance. Lower needs must be satisfied before the higher needs can be addressed. For example, one must first obtain food and water (physiological) before worrying about what might happen if they get in a car accident tomorrow (safety). It’s just a theory, but…
  • My Financial Account Tidying Up Checklist

    Jonathan Ping
    29 Jul 2015 | 12:41 am
    I suppose it’s not a good sign that in the middle of reading a #1 NYT bestselling book on organizing your stuff… you lose the book in all your stuff. In case you haven’t heard of it yet, The Life-Changing Magic of Tidying Up: The Japanese Art of Decluttering and Organizing by Marie Kondo. In my defense, it is a rather small book. I hope I don’t have to buy another one. Instead of spending more time looking for it, I decided to make a list of all my financial items that could use some decluttering. As someone who loves to try out new financial products, I tend to…
  • Willing.com Review: Free, Legal Online Will Software

    Jonathan Ping
    28 Jul 2015 | 1:34 am
    I must admit that I procrastinated on setting up a will, much like many others. Ideally, an experienced, skilled estate lawyer would create something customized to your situation. But it is not always clear how to find such a person, or know what a fair cost would be. Maybe we just don’t like the idea of thinking about death. If you don’t create a will, your state already has a default plan in place (look up the intestacy laws in your state) and it may not be what you would have chosen. Do you want a stranger appointing the guardian of your children? I tried to think of it as a…
  • Costco Pharmacy: Save on Prescription Drug Costs

    Jonathan Ping
    27 Jul 2015 | 12:42 am
    While standing in line at the Costco pharmacy, I found myself in a discussion with another Costco member who apparently saves over a thousand dollars a year on her meds by buying them there instead of her neighborhood CVS. (I also got an earful about the Medicare Part D “donut hole“.) I’m fortunate enough that I am currently not on any prescription medications, but OECD health statistics have Americans spending $1,000 a year per capita on pharmaceuticals. A similar survey by Consumer Reports arrived at $768 in average out-of-pocket costs per person. Here are some things you…
  • AutoSlash Review: Car Rental Price Drop Tracker

    Jonathan Ping
    23 Jul 2015 | 11:56 pm
    Here’s a quick tip that I’ve been using regularly this summer for saving money on car rentals. A quick primer on car rental reservations. When you make a reservation at most car rental shops, you simply agree to a price and make a non-binding reservation without giving any payment information. You can cancel at any time, without penalty. Technically, even if you just don’t show up there is no penalty besides bad karma. The flipside is that they overbook and occasionally your subcompact turns into a Ford Crown Victoria. First, book your car rental as early as possible using the…
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    The Simple Dollar The Simple Dollar

  • 21 Best Small Business Apps

    Saundra Latham
    30 Jul 2015 | 11:00 am
    Time tracking apps can relieve you of burdensome time sheets or help you minimize distractions. Photo: Toggl When you run a small business, you’re pulled in several directions every day. If the demands on your time feel overwhelming, take heart: There are thousands of productivity apps out there that can help you do everything from keep a neat to-do list to delegate tasks to employees and stay on top of your business expenses. Which small business apps are best? That will largely depend on your business and your own preferences. If you don’t have the time to wade through an endless list…
  • Frugality, Financial Independence, and the Bigger World

    Trent Hamm
    30 Jul 2015 | 7:00 am
    When self-motivated people achieve financial independence, it’s not like they go idle and stop contributing to the economy. Most – like Bill Gates, right – simply channel their time and energy into something they believe in. Photo: Steve Jurvetson Fairly often, I give interviews to media sources – newspaper reporters, radio hosts, and so on – where I share my story of financial recovery and how I managed to achieve it. Most of the questions are pretty straightforward, as they’re simply related to the story of my own life and some basic financial…
  • How to Avoid Getting Cut by the Cutting Edge

    Trent Hamm
    29 Jul 2015 | 7:00 am
    Photo: Faris Algosaibi When I graduated from college in 2002, smartphones were just beginning to become popular. There were several different types floating around out there, most with LCD screens that enabled you to check your email and send text messages, both of which were beyond the capacity of the “dumb” phones at the time. I immediately got a job in a research lab that involved managing lots of data and organizing it for sharing and distribution. From an intellectual standpoint, it was a wonderful job and it paid quite well – my starting salary was more than what my…
  • 20 Reasons Why You Need an Emergency Fund

    Trent Hamm
    28 Jul 2015 | 1:00 pm
    The dreaded ‘check engine’ light is one reason you need an emergency fund. Photo: Jim Larrison If you don’t think you need an emergency fund, think again. No matter how financially prepared you are, life has a way of throwing curve balls that you never expect. Those “unexpected expenses” are the reason many financial professionals suggest keeping three to six months of expenses tucked away in a savings account or investment that is fairly easy to access. Even if you can’t imagine a scenario where you would need rescuing, remember: anything can happen. Here,…
  • How to Negotiate Salary and Juggle Job Offers

    Holly Johnson
    28 Jul 2015 | 11:00 am
    You’ve got a job offer: That’s great, but now what? According to conventional wisdom, salary negotiations should be numero uno on your agenda. You weren’t going to automatically accept the first figure they offered, were you? Unfortunately, that’s exactly what happens much of the time. According to a survey of 2,000 professionals conducted by Salary.com, 18% – or nearly one-fifth – of respondents never negotiated their salary when taking a new position. Meanwhile, another 44% stated that they negotiated for better pay or perks sometimes, but not all the time. With so much money…
 
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    Wise Bread

  • 6 Terrible Things Science Says You Do to Your Kids

    Marla Walters
    30 Jul 2015 | 10:00 am
    In all likelihood, you are probably already a pretty good parent. I'll bet you limit video games, provide healthy meals, get your kids to scheduled doctor's visits, help with homework, and the like. New science, though, thinks you can do a little better. Do any of the six parenting subjects,...
  • 14 Free or Cheap Toys That Will Make Your Kid Smarter

    Ashley Marcin
    30 Jul 2015 | 8:00 am
    It may seem like you need to spend a fortune on educational toys for your kids these days. Heck, many stores have entire sections devoted to learning aids cleverly disguised as playthings. All that stuff is great, but you can beef up your child's smarts with some awesome DIY projects. You'll spend...
  • Make These 7 Money Moves Now Or You'll Regret It in 20 Years

    Damian Davila
    30 Jul 2015 | 6:00 am
    Some people always leave stuff for tomorrow. Procrastination is okay when you're talking about cleaning up your bedroom, but when it comes to personal finance, delaying action can be your undoing. There are certain key financial decisions that you need to make today — otherwise you may have...
  • 8 Things to Do with Kids at the St. Croix National Scenic Riverway

    Elizabeth Lang
    30 Jul 2015 | 4:00 am
    This post contains references to products from our advertisers. We may receive compensation when you click on links to those products. Please visit our Advertiser Disclosure to view our partners, and for additional details. With a three-year-old and an 11-month old, most weekends my family stays...
  • The 5 Best Hair Curlers

    Andrea Cannon
    30 Jul 2015 | 2:00 am
    Whether you want curls, beach waves, or Hollywood waves, a hair curler (or curling wand) can help get you there. To get perfect curls that last, you’ll want to find a reliable curler that fits your budget and is safe for your hair. We’ve searched for the best selection of curling irons...
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    Bargaineering

  • Non-stop price hikes make Disney vacays a stretch

    Mitch Strohm
    30 Jul 2015 | 12:00 am
    Mitch StrohmTaking a family vacation to a Disney theme park was once an affordable escape. Sadly, that’s not the case anymore. The price of admittance into the Magic Kingdom has jumped up to $105 per person ($99 for kids ages 3 to 9) — a far cry from the $3.50 it cost to get in when [...]Non-stop price hikes make Disney vacays a stretch from personal finance blog Bargaineering.com. This blog was posted by Mitch Strohm
  • 6 simple ways to save more and worry less

    Rachel Hartman
    20 Jul 2015 | 12:00 am
    Rachel HartmanIf you had to rely on your savings to live, do you know how long it would last? Forty-seven percent of Americans said their savings would last three months or less if they went through a financial crisis, according to a recent survey by NeighborWorks America. Whether your stash is large, small, or somewhere in [...]6 simple ways to save more and worry less from personal finance blog Bargaineering.com. This blog was posted by Rachel Hartman
  • My plan to enjoy summer without overspending

    Dawn Papandrea
    9 Jul 2015 | 12:00 am
    Dawn PapandreaOverspending on vacations. Day trips that wind up more pricey than planned. Keeping the kids entertained on a boring day. Summer can get very expensive, very quickly! This year I’m determined to keep a lid on those costs. I’ve come up with a plan to have lots of carefree summertime fun without dipping into savings [...]My plan to enjoy summer without overspending from personal finance blog Bargaineering.com. This blog was posted by Dawn Papandrea
  • Here’s where to stash your cash while waiting for the Fed to finally raise interest rates, probably this fall

    Susan Ladika
    29 Jun 2015 | 12:00 am
    Susan LadikaIt has to happen sooner or later. After months of dithering, it appears the Federal Reserve will actually start to push interest rates higher, ending years of record low returns on bank accounts. While it could start as soon as July, the Fed seems more likely to initiate this epic change in policy in September [...]Here’s where to stash your cash while waiting for the Fed to finally raise interest rates, probably this fall from personal finance blog Bargaineering.com. This blog was posted by Susan Ladika
  • Summer music festivals on the cheap…Or what passes for cheap in these days of inflated prices

    Mitch Strohm
    18 Jun 2015 | 12:00 am
    Mitch StrohmWhen it comes to attending a music festival, cheap simply isn’t on the table anymore. These days it’s a matter of limiting cost. This April, for example, a three-day general admission pass to the Coachella Valley Music and Arts Festival pass cost $375. Anyone who wanted a few perks had to pay $899 for a [...]Summer music festivals on the cheap…Or what passes for cheap in these days of inflated prices from personal finance blog Bargaineering.com. This blog was posted by Mitch Strohm
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    James Clear

  • The Repeated Bout Effect: If Nothing Changes, Nothing Is Going to Change

    James Clear
    27 Jul 2015 | 11:02 pm
    If you have ever taken a few weeks off from exercise and then completed a strenuous workout, you may know what I’m about to say. That first workout back from a long break can be tough, but it’s usually the soreness that follows a few days later that is really brutal. For example, if you do a squat workout after a few weeks off, it can hurt to simply sit in a chair or climb the stairs later that week. 1 One of the quickest ways to resolve this soreness is very counterintuitive: Squat again. If I’m feeling sore a few days after a squat workout, then doing some light reps is…
  • Olympic Medalist Dick Fosbury and the Surprising Power of Being Unconventional

    James Clear
    23 Jul 2015 | 11:49 pm
    Dick Fosbury took a moment to meditate as 80,000 people looked down at him from their seats in Mexico City’s Olympic stadium. The fans at the 1968 Olympic Games didn’t know it at the time, but they were about to witness not only the setting of an Olympic record, but the complete revolution of a sport. Just three or four years earlier, nobody in the world of athletics had even heard the name Dick Fosbury. As a long and lean teenager from Oregon, Fosbury was just another kid interested in track and field. He wanted to compete in the high jump, but he had failed to clear the height…
  • Habit Creep: The Proven, Reasonable and Totally Unsexy Way to Become More Successful

    James Clear
    20 Jul 2015 | 10:41 pm
    There is a common phenomenon in the world of personal finance called “lifestyle creep.” It describes our tendency to buy bigger, better, and nicer things as our income rises. For example, say that you receive a promotion at work and suddenly you have $10,000 more of income each year. Rather than save the extra money and continue living as normal, you’re more likely to upgrade to a bigger TV or stay at better hotels or buy designer clothes. Your normal lifestyle will creep up slowly and goods that were once seen as a luxury will gradually become a necessity. What was once out…
  • Warren Buffett’s “20 Slot” Rule: How to Simplify Your Life and Maximize Your Results

    James Clear
    16 Jul 2015 | 10:04 pm
    Charlie Munger settled into his seat in front of the crowd at the University of Southern California. It was 1994 and Munger had spent the last 20 years working alongside Warren Buffett as the two men grew Berkshire Hathaway into a billion-dollar corporation. Today, Munger was delivering a talk to the USC Business School entitled, “A Lesson on Elementary Worldly Wisdom.” 1 About halfway through his presentation, hidden among many fantastic lessons, Munger discussed a strategy that Warren Buffett had used with great success throughout his career. Here it is: When Warren lectures at…
  • Be More Productive: The 15-Minute Routine Anthony Trollope Used to Write 40+ Books

    James Clear
    13 Jul 2015 | 9:05 am
    Beginning with his first novel in 1847, Anthony Trollope wrote at an incredible pace. Over the next 38 years, he published 47 novels, 18 works of non-fiction, 12 short stories, 2 plays, and an assortment of articles and letters. Trollope achieved his incredible productivity by writing in 15-minute intervals for three hours per day. His strategy is explained in Mason Currey’s book, Daily Rituals (audiobook): “It had at this time become my custom,—and is still my custom, though of late I have become a little lenient of myself—to write with my watch before me, and to require of myself…
 
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    fivecentnickel.com

  • 6 reasons to overcome a fear of plastic

    Richard Barrington
    29 Jul 2015 | 1:00 am
    As I was coming of age, I became aware of too many examples of people who had gotten into trouble with credit card debt. It made me avoid getting a credit card for several years. Eventually, though, I overcame my fear of plastic, and realized it is the user and not the card that should be in control. A healthy concern about credit card use is not misplaced. After consumers reined in their spending in the immediate aftermath of the Great Recession, they have expanded their credit card debt in each of the last four years, and that debt is on the rise again in 2015. Still, having a credit card…
  • “Frugal” is not a dirty word

    Richard Barrington
    30 Jun 2015 | 1:00 am
    My wife and I were talking recently about a June 5, 2015, New York Times article that described the lifestyle of “Millionaires Who Are Frugal When They Don’t Have to Be.” It got me thinking about the word “frugal.” It will probably never be a sexy concept, but neither does it have to seem like a dirty word. The title of the article seems to conjure a slightly pejorative image — people who are well off but needlessly pinch pennies. The actual content of the article is more favorable. It focuses on people who have settled into a particular niche — the…
  • 7 financial lessons recent college grads still need

    Richard Barrington
    15 Jun 2015 | 1:00 am
    Around this time of the year, new college graduates are leaving their schools with a wealth of knowledge. At the end of their four (or six, or eight…) years of college, graduates have typically tackled a wide range of academic subjects, often with an impressive degree of complexity. Unfortunately, one type of lesson many of them are missing as they venture out into the real world is basic schooling in personal finance. Here are seven personal finance lessons that recent grads might find helpful, because they probably were not taught these things in school: Student loans need a repayment…
  • Is the tide turning for savings accounts?

    Richard Barrington
    19 May 2015 | 6:30 am
    On the surface, savings account rates seem to be stuck in the same rut they have been in for the last couple years; but if you look a little closer, there are some isolated developments that could start to put the interest back in savings account interest rates. According to the FDIC, the average savings account rate nationally is just 0.06 percent — a level that average first dropped to two years ago and hasn’t budged from since. However, some banks are beginning to buck the low-rate trend. Those banks remain exceptions, but the rarity of positive rate developments makes it well…
  • How to play retirement catch-up

    William Cowie
    30 Mar 2015 | 1:00 am
    I told the story elsewhere of how my wife and I woke up in our late 40s to the fact that our investment cupboard was bare. We were not alone, millions of Americans in their 40s or 50s don’t have nearly enough money saved to retire. So what can you do if you find yourself in that position? After you shake off the scorn of the self-righteous around you and stop beating yourself up, it is time to get to work because the good news is that there is hope. We managed it. You can do it, too. The strategy 1. Cut The first step is you have to cut your expenses to the bone. The key number…
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    AllFinancialMatters

  • Wise Words From Goethe

    JLP
    24 Jul 2015 | 3:52 pm
    I read this in a book and thought I would share it: Are you in earnest? Seek this very minute, Whatever you can do, or dream you can, begin it. Boldness has genius, power, and magic in it. Only engage and the mind grows heated. Begin and then the task will be completed. Happy Friday!
  • Friday Fun: 3D Drawing

    JLP
    24 Jul 2015 | 8:09 am
    This is pretty cool:
  • Ladies: Do You Keep Things From Your Husbands?

    JLP
    23 Jul 2015 | 10:37 am
    According to Self Magazine, women keep five things from their husbands. Among them: Personal successes Bank accounts The other three items on the list are beyond the scope of AFM. My wife works. I don’t think she has ever had a problem sharing her successes with me. I’m amazed at her success. We also have our finances 100% combined. I couldn’t see it any other way. What about you?
  • PSA: Socialism Explained in a Cartoon

    JLP
    23 Jul 2015 | 9:46 am
    I like this:
  • Entrepreneur: How to Become a Millionaire By 30

    JLP
    17 Jul 2015 | 3:04 pm
    THIS should be required reading for every high school senior and college kid: How to Become a Millionaire by 30. I would much rather our kids read stuff like this than all the garbage about income inequality, which tends to focus on failure instead of success.
 
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    Personal Finance Advice

  • Coinstar Fees (and How to Avoid Them)

    Will Lipovsky
    29 Jul 2015 | 3:46 pm
    What is Coinstar? Many banks nowadays don’t accept coins. Many other banks will accept coins but they take a fee for sorting them. It’s a bummer but hey, at least some banks still offer good interest rates. But even as … Continue reading →
  • Credit Card Churning – What is it? Is it ethical?

    Will Lipovsky
    29 Jul 2015 | 2:45 pm
    Credit card churning is the process of signup up for credit cards, reaping the signup incentives, and then discontinuing use. Doing this usually requires high spending, lots of planning, and organizational skills. Most cards typically offer signup bonuses to those … Continue reading →
  • Possible to Pay Your Mortgage with a Credit Card? Yes.

    Will Lipovsky
    28 Jul 2015 | 4:05 pm
    Racking up credit card rewards can be exhilarating. It’s free money and it’s yours just for being smart enough to take advantage of the free money. Lots of people chase credit card rewards. There are countless blogs all over the web about … Continue reading →
  • The Highest Yielding Savings Account in America…

    Will Lipovsky
    28 Jul 2015 | 1:11 pm
    According to DepositAccounts.com, this is the highest yielding savings account available in the United States at 1.25% APY. It’s also a no fee and no minimum savings account. Basically, if you’re in search of the highest-yielding savings account available, you … Continue reading →
  • Ally Savings Account Review: Better than American Express?

    Will Lipovsky
    27 Jul 2015 | 1:34 pm
    Earlier today, I wrote about the American Express high-yield savings account. That account certainly does have its perks – and no, you don’t have to be an American Express cardholder to apply. It also features no minimum balance and no maintenance fees. … Continue reading →
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    Mighty Bargain Hunter

  • Cheap school supplies aren’t just for school!

    John Wedding
    28 Jul 2015 | 9:40 pm
    Our local Walmart stores really bring down prices for school supplies in the last weeks of summer.  Maybe yours do too.  Take advantage of this. A few days ago our family was playing Boggle.  (This game was a yard sale find.)  We each have our own single-subject spiral notebook when we play. When my wife said that hers was almost full, I admit my face lit up a bit.  “Ooh ooh … this is the time of year for cheap school supplies at Walmart!!!”  She looked at me and said, “No, we still have a box of them from the first time you bought those notebooks.” A…
  • Speeding through checkout with Walmart discounted gift cards

    John Wedding
    3 Jul 2015 | 3:11 pm
    We’ve been buying discounted gift cards from Cardpool and here’s how we’re making checkout a bit faster … I’m a regular customer of discounted gift card sites.  We do our best to buy and use them safely, and it takes a decent chunk out of our Walmart trips.  (Nothing to retire on, but a decent chunk nonetheless.) Cardpool sells what it calls “printable electronic gift cards” for Walmart and a number of other businesses.  These are good deals for a number of reasons: They are sent by email, often instantly.  I’ve bought printable electronic…
  • Six hacks to get things cheap or free

    John Wedding
    16 Jun 2015 | 11:55 pm
    Are you a money-saving tip collector?  Then you can always use more, right? Here are six hacks that you can add to your bag of tricks to get things cheap, or even free: Turn on the charm.  I know others can play the charm card far better than I can, but I managed to snag a free dessert by phoning in my take-out order while I was standing in a long line at said restaurant. I waved at the cashier after I placed my order, she smiled, and gave me the dessert for free. Say what you’re looking for.  A friend of mine is looking to start up mountain biking. He was looking for a bike rack for…
  • Ten power tips for buying and selling at yard sales

    John Wedding
    6 Jun 2015 | 3:07 pm
    With summer starting up, yard sales are all over the place.  Here are some ways to increase your purchasing power, as well as sell more for whatever good cause. Last weekend was a big one in our area for yard sales.  Our county’s YMCA had a yard sale event with about 25 different tables.  And not one, but two churches had yard sales to raise money for mission trips to Peru.  (This was two completely independent mission trips.) Truth be told, we don’t hit yard sales as much as we used to.  For me, seeing a yard sale used to be like a bell to one of Pavlov’s dogs, and if…
  • Thirty money tips from a decade of Mighty Bargain Hunter

    John Wedding
    26 May 2015 | 7:51 am
    Ten years ago today, I started the blog Mighty Bargain Hunter. (Here’s a link to the first post, which was remarkably content-free.) Since then, I’ve written well over a thousand articles on lots of topics, some common, some not so common.  But below I’ve compiled thirty money tips (each with a linked article, which cover most of the past ten years) that will help you to save money, recognize good deals, and spend your money wisely. Banking Count your change at the teller window when withdrawing coins. As soon as the money leaves the teller’s sight, it’s a hard…
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    HappinessWala

  • 50 million people suffer from depression and anxiety in India

    happy
    25 Jul 2015 | 4:07 am
    Around 50 million people suffer from common mental disorders like depression and anxiety, and more than 7,000 people committed suicide last year, government said on Friday. To put that in perspective, 60 Died Due to Malaria in 2015, 19 due to Dengue as reported by Health Minister JP Nadda. More on Depression as a health burden He also informed that there are 3,800 phychiatrists, 898 clinical phychologists, 850 psychiatric social workers and 1,500 psychiatric nurses in the country. “As per the accidental deaths and suicides in India reports published by National Crime Records Bureau, the…
  • Inspirational Quote from Mark Zuckerberg on Happiness

    happy
    24 Jul 2015 | 2:54 am
    It’s impossible to have fun every day but it is possible to be meaningful every day of your life. Mark Zuckerberg says that there’s a difference between happiness and fun. Such clarity is indeed very inspiring and motivational. The post Inspirational Quote from Mark Zuckerberg on Happiness appeared first on HappinessWala.
  • When Pain Doesn’t Stand a Chance Against Playing & Winning

    happy
    23 Jul 2015 | 10:39 pm
    Everytime I get an opportunity to go to a village, I lap it up. And once you are in a village and want to get some sport in your schedule, Kabaddi wins hands down against even cricket. The strength, flexibility and rusticity of this sport creates an aura around this very Indian sport. Yes, Kabaddi is a truly Indian sport and the added fun is that we continue to win all the gold medals at the world stage. And the Pro Kabaddi League started last year in 2014 has captured India’s imagination like never before. So we were quite excited when I got an opportunity to interact with Rakesh…
  • Fcuk Happiness: The Pursuit of Happiness is Screwing You

    happy
    22 Jul 2015 | 10:40 pm
    As the importance of meditation, yoga, health & wellness, employee engagement and relationships is being so widely communicated and discussed, the world is becoming angrier and tense. Isn’t it a paradox that while we celebrate some “Day” (like Mothers Day, Fathers Day, Womens Day, etc), the relationships are getting more strenuous? Millions of people are being introduced to meditation techniques every day. But the world is becoming more stressful and depressed. See this post on Depression: The 2nd leading cause of health burden. Drugs worth billions are being researched…
  • How to setup a happy money system?

    happy
    21 Jul 2015 | 12:39 am
    The debate between money and happiness is pointless. True, that money cannot buy love, success and happiness over a counter. But money does buy us peace and happiness in an indirect manner. Even directly as money can buy chocolates and chocolates & happiness are the same thing, right! Moreover whenever I see somebody ranting over the value of money in a negative manner, I often observe that they have too much of money and which is not being utilized properly. I have yet to see a normal person saying that money is just a piece of paper. Anyway, for normal mortals like us, we must find…
 
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    My Open Wallet

  • My Mother's Estate Planning: In Madame X She Trusts!

    Madame X
    20 Jul 2015 | 6:00 am
    This past week, I've had to learn a few things about trusts. I'm now officially a trustee!The whole trust issue first came up after my dad had surgery for brain cancer. We'd managed to get him to a lawyer to quickly draw up a will for the first time on an emergency basis just before his surgery. A couple of months later, he and my mom went back to a lawyer to revise the estate planning, along with my sister, and me on a conference call. The lawyer advised them to put most of their assets in a revocable trust and he drew up some documents to that effect. What I later found out, though, was…
  • Homeless

    Madame X
    15 Jun 2015 | 6:00 am
    When I was waiting to close on my newly-constructed condo, I jokingly called myself "homeless" for a few months because I had to stay with relatives and sublet apartments after moving out of my own rental apartment. My property was mostly in storage and I was living out of a couple of suitcases and garbage bags full of linens. "Home" for me has for many years been defined as my own apartment in NYC, where I live. But sometimes I catch myself referring to "home" in the sense of the home where I grew up. My hometown.The older I got, the less I'd say that. My parents bought the house I grew up…
  • Mom is Selling Her House!

    Madame X
    29 Apr 2015 | 6:00 am
    Fingers crossed that this works out, but as I write this, my mom has accepted an offer for her house. This is exciting and sad and scary. If all goes well, it will keep her from wasting all her income on maintaining a single family house. She spent thousands of dollars this past winter just on snow removal! But it does worry me a little about turning her biggest asset into cash, as cash has a way of slipping through my mother's fingers very quickly. At one point she talked about putting a lot of the proceeds in trust for me and my sister, but I am not sure if she still plans to do that. If…
  • Juice is My New Financial Kryptonite

    Madame X
    21 Apr 2015 | 6:00 am
    What is it about juice that makes it so expensive sometimes?? I've always enjoyed fresh juices and smoothies made with fruits and vegetables, and they seem to be becoming more and more popular and widely available. There are green smoothie books all over the bestseller lists, and people are always talking about how great their Vitamix blenders are. You can buy all these fancy juices on Amazon, as well as various health food shops, Whole Foods, etc. and they are sometimes $10 a bottle! This is exactly the kind of thing where I'd normally dismiss it as a crazy fad designed to part stupid people…
  • Bonus Time

    Madame X
    14 Apr 2015 | 2:11 pm
    So my last post was about how tax time is usually a happy time of year... this goes hand in hand with bonus time, which is also usually a happy time of year. This year was a bit of an exception.I have mostly had jobs that involve measurable performance in some aspects, so a bonus has often been a significant part of my compensation, sometimes more than I even expected! I always remember my first job in NYC, where my salary started at $25,000. I knew that some sort of bonus would accompany that, but I don't know how much I asked about how big it could be. I was coming from a job where a bonus…
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    Lazy Man and Money

  • Cut the Cord With Tablo TV?

    Lazy Man
    29 Jul 2015 | 7:00 am
    A couple of months ago, I wrote about how you can kill your cable box DVR monthly fees. For me, the biggest thing about cutting the cord isn't necessarily losing the cable television*, it's the time-shifting of network television shows. On a basic level, it seems pretty silly to pay a bunch of money each month for what should be solved by one-time costs of a hard drive and a television antenna. Fortunately a commenter on that last post mentioned TabloTV DVR. I had looked at it a long time ago (perhaps before it was actually released), but had forgotten about it. It's something that I'm…
  • Analysis of My Best and Worst Investments

    Lazy Man
    27 Jul 2015 | 9:00 am
    A couple of years ago, I decided to take a small portion of my retirement and actively invest it. Unfortunately, I didn't do it in such a way that I can easily gauge performance. Fidelity's tools aren't all that great (or maybe it is that I can't find them), but it is further complicated by the addition of new cash. I'm kicking myself for setting up something so flawed. At the same time, I don't know how I would have done much better. I don't want to change my whole retirement structure so I can report performance on the blog (though it would be worth knowing for myself). Like every…
  • Is “It Works” a Scam?

    Lazy Man
    24 Jul 2015 | 9:00 am
    A couple of times over the last few months readers have emailed me asking about "It Works." At first, I couldn't even find what they were talking about. That's a fundamental problem when you name your company a generic phrase. Fortunately (or unfortunately), it seems like they are easy to find nowadays. I'm not going to beat around the bush, let's dig in... The Products of "It Works" It Works has a few products, but their flagship product is a body wrap called the Ultimate Body Applicator. They often call it "That Crazy Wrap Thing." Is it any good? Well consumer advocate website Truth in…
  • I’m Loving this Mind-Hack Deal

    Lazy Man
    24 Jul 2015 | 4:53 am
    One of the deal sites that I follow mentioned a great deal on Blinkist. I hadn't heard of it before, but the description intrigued me. Blinkist is a website (with mobile apps naturally) that curates top non-fiction books (mostly business and self-improvement) into abstracts that you can read in 15 minutes. From my brief experience it's around 250 words a chapter. So instead of reading a whole book, you can read the equivalent of a lengthy blog post. Obviously retention isn't going to be the same. But it is better to have read and lost than never to have read at all. Also, you can copy notes…
  • Using the Cancun Technique to Save Money

    Lazy Man
    23 Jul 2015 | 5:00 am
    In college, I loved Cancun so much, I went back twice. Yes, it was expensive, but I was a relatively well-paid student as a pharmacy technician. So when I read one of my favorite personal finance bloggers write about a Cancun technique for saving money, I was intrigued. This could be the biggest breakthrough of two awesome things since Reese's combined chocolate and peanut butter. The article starts off with a bang. $60 for enter the club. It hit me like a ton of bricks. I'm so old that it use to be only $25... and we thought that was a lot of money. It seems like the numbers change, but…
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    Blogging Away Debt

  • Back to School

    Ashley
    30 Jul 2015 | 12:01 pm
    How quickly the summer has flown by! Even though it doesn’t feel like Fall yet (and I guess technically its not for another month and a half!), the Fall semester is soon upon us! This month is going to be a little on the pricy side for childcare. Our current childcare facility (the JCC)’s last day is on July 31st. They close for a week for teacher planning before the next school year begins. But our new childcare facility doesn’t start until August 12th. So we’re left with 7 weekdays with no childcare! Yikes! Although my job does allow some flexibility for working from home, there’s…
  • Staying Cool is a Breeze

    Hope
    29 Jul 2015 | 5:00 pm
    Every night I listen to the air conditioning click on and off all night.  I turn it down to 68 at night because I can’t sleep when I’m hot.  But every time I hear it click on lately I’ve been starting to panic about our electric bill because it’s been running ALOT! On top of that, without a programmable thermostat, I will often forget during the day to turn it back up for just can’t stand the thought of being hot while I work! So I’ve been anxiously awaiting the bill…it came in today.  $132!  I am so relieved.  This means I don’t have to…
  • Focused on Housing

    Hope
    29 Jul 2015 | 3:19 pm
    All debt pay off is on hold for this moment as I focus my energy and quite possibly my money on our housing situation.  We were SO close at the beginning of this week to making a decision and making a move, but in the end I backed out. I have all channels open in the housing search and am giving myself until Sept 1 to make a decision.  Here is where we are at: House to Buy I have qualified for a down payment grant so with just 3.5% down I can buy a house.  I have set the limit on this right at $100K which would make my house payment right around $600-700 and leave me plenty to make…
  • My Thoughts About My Month Off

    Matt
    28 Jul 2015 | 11:21 am
    I hope everyone is having a fantastic start to their week, even after the bad news we all got (Ashley’s Father). Ashley- if you’re reading this, my heart goes out to you and your family during this time. Writing this post seems pretty trivial after this weekend, but now it’s nearing the end of my month off from paying off any debt, I want to provide everyone with my what my feelings have been during this time: I felt like I had more money than ever before. Which was true- I’ve never been able to spend like I spent this month without incurring extra. And even with…
  • 2015 Goal Check-In

    Ashley
    27 Jul 2015 | 11:30 am
    On December 30th of last year I sat down and took stock of my progress with debt repayment and made some 2015 financial goals. Some of the goals were more about general bookkeeping (like splitting up my “miscellaneous” category, which I did when I joined YNAB). But my one concrete numbers-based goal was simple. In 2014 I paid more than $25,000 toward debt. I made the goal that in 2015 I’d pay $30,000 toward debt. So how have we done? Wellllllll, not so great. We were struck with a series of months with lower-than-our-average pay, even during the months when we usually make the most…
 
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    Clever Dude Personal Finance & Money

  • What Would You Do? The Increasing Hotel Room Rate Edition

    Brock
    29 Jul 2015 | 3:25 am
    Image courtesy of Kittisak at FreeDigitalPhotos.net I had an experience last week that I want to share and have you give me your thoughts. I was surprised at what happened, but I was even more surprised to watch my wife, who’s always looking to get the best price on everything, willingly pay more for a hotel room. We were making late hotel reservations for an event out of town, wanting to secure a reservation at the same hotel some friends were staying at. The reservation assistant initially said that they were completely booked, but then admitted that they did have two non-standard rooms…
  • How to Help Loved Ones Manage Their Money

    James
    27 Jul 2015 | 10:04 am
    This post is a contributed post from USA.gov.  See their Financial Self-Defense Kit for advice on how to build financial confidence as well as safeguard your finances. Managing your finances can be hard. Managing the finances of an older relative or friend can be even harder. You want to honor your loved one’s wishes and respect his or her boundaries, but at the same time you need to act in the person’s best interest. It can be hard to know where to begin or whom to trust. Not only are there legal obligations that come with this responsibility, but the added emotional stress of caring…
  • Convenience Store Chronicles: Three Ways To Save!

    Brock
    27 Jul 2015 | 5:44 am
      Image courtesy of NayPong at FreeDigitalPhotos.net Convenience stores are not known for having great deals. A convenience store is where you buy a late night pizza because they’re on the nearest street corner, or where you pick up a twelve pack of soda because you’re already there getting gas. The price is a little higher, but you don’t care because it’s convenient and saves you time and effort. My experience over the weekend just might change that perception. After filling up my van with gas, I headed inside to pay. Just as I was about to walk away from the…
  • What Should I Do With This $100?

    Brock
    24 Jul 2015 | 5:34 am
    Image courtesy of scottchan at FreeDigitalPhotos.net I’ve got $100 I just don’t know what to do with.  It’s not cash,  it’s $100 credit at Restaurant.com that I received as a gift. If you’re not familiar with Restaurant.com, it’s an online service that offers discounted certificates to restaurants. For example, right now I can buy a $25 certificate to a nearby Mexican restaurant for $10. Sometimes, certificates can be purchased at an even deeper discount. If Restaurants.com offers such great deals, why don’t I use my $100 credit? There are a couple of reasons why…
  • Summer is Over For Retailers, Which Means Great Bargains for You!

    Brock
    22 Jul 2015 | 6:23 am
    Earlier this year, my wife and I were looking for some new patio furniture. Thanks to my wife we scored a great deal. We’ve been enjoying the new furniture throughout the summer whether we’re entertaining friends and family or it’s just a family s’more night around the fire table. As the summer has progressed, my wife determined that she really wished we had purchased an umbrella to create shade when it was sunny and hot. After work yesterday my wife found out that Summer is apparently over on July 20th because all the seasonal summer items are on clearance. The number of items in…
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    Don't Mess With Taxes

  • 17 states hold sales tax holidays in summer of 2015 Massachusetts lawmakers working on making it 18 states

    skbell1
    29 Jul 2015 | 6:04 am
    Hello, Cleveland and the rest of the Buckeye State. Welcome to the state sales tax holiday fraternity. Ohio will hold its first-ever tax holiday next weekend, Aug. 7-9. Like many others, it's aimed at back-to-school shoppers and offers tax savings on certain clothing and school supplies. Meanwhile, Massachusetts is once again taking its sweet time in deciding whether to offer Bay State shoppers a weekend of tax savings. It looks right now like that will happen in mid-August. And kicking off the 2015 summer sales tax holidays this Friday, July 31, are Georgia and Mississippi. In the…
  • IRS commissioner ready to take on those who want him fired

    skbell1
    28 Jul 2015 | 2:34 pm
    "I apologize for not being able to take all your questions, but I have a flight to catch. I have friends waiting for me in Washington. In case you didn't notice, a handful of them think we need a new commissioner. I don't want to disappoint them." That was Internal Revenue Service Commissioner John Koskinen wrapping up the Q&A session that followed his address this afternoon to tax professionals attending the IRS Nationwide Tax Forum in Denver. Yeah, so I'm not a good photographer, especially in a huge room and using an iPhone camera. Sue me (not really!). But…
  • House Oversight panel wants IRS commissioner fired

    skbell1
    28 Jul 2015 | 11:56 am
    Internal Revenue Service Commissioner John Koskinen apparently was a bit too optimistic a few months ago when he declared his agency had turned a corner when it came to the problems it had encountered. IRS chief John Koskinen at one of his many appearances before the House Oversight and Government Reform Committee. The Republican leader of that panel and 20 of his colleagues are tired of Koskinen's testimony and now say he should be fired for his part, or lack thereof, in resolving the Tea Party tax-exempt application scandal. Congress, particularly Republicans in the House, continues…
  • Sloshing through swimming pool tax deduction rules

    skbell1
    27 Jul 2015 | 9:27 am
    It's summer. Not to overstate the obvious, that means it's hot, hot, hot.  It also means that pool contractors are making out like bandits, at least here in my Austin neighborhood. This time every year, the backhoes and dump trucks and cement mixers form a regular parade. And I get the same question from neighbors: Can I deduct my new swimming pool costs? If your backyard pool is mainly used by you and your family for this type of cooling off fun, you won't be able to deduct its construction costs on your taxes. Photo courtesy Tim Pierce via Flickr. For most, the answer is no.
  • Star scientists prefer low-tax states

    skbell1
    26 Jul 2015 | 1:07 pm
    Those of us who constructed nine-planet models of our solar system for grade school science projects have been in space geek heaven these last couple of weeks.  Pluto, which was demoted from planet to dwarf planet status, has been the recent focus of scientists and the space-loving public. NASA's New Horizons probe flew past Pluto on July 14, completing a 3-billion-mile journey that started almost a decade ago. Four images from New Horizons' Long Range Reconnaissance Imager (LORRI) were combined with color data from the Ralph instrument to create this sharper global view of Pluto.
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    Money Smart Life

  • Don’t Be Overwhelmed by Investing

    Miranda
    27 Jul 2015 | 7:46 am
    Many of us feel overwhelmed by investing, partly because there are myths about how difficult it is to invest and partly because we don’t understand all the technical terms and concepts we read about or hear financial professionals use. However, investing doesn’t have to be hard, and you don’t have to be overwhelmed. Here are a few strategies to help you avoid feeling overwhelmed by investing: Dollar Cost Averaging One of the best ways to stop feeling overwhelmed by investing is to make use of dollar cost averaging. This is a strategy that involves taking smaller amounts of…
  • How to Save Money on Youth Sports Equipment & Fees

    Ben Edwards
    20 Jul 2015 | 11:48 am
    How can you save money on youth sports? I’ve always loved saving money and the last few years our two young kids have played basketball, baseball, t-ball, and soccer so I guess it makes sense that I’d have a lot to share on the topic of cutting costs for youth sports. My suggestions will be most helpful to the parents of kids who play a sport for more than one season. If your child has shown an interest in a sport and you think you’ll be paying for them to play it for the next several seasons or even years these tips can save you a lot of money. The main cost categories of…
  • Why it’s Easy to Wake Up Broke & in Debt

    Ben Edwards
    7 Jul 2015 | 1:45 am
    If you had to pick between an easy option and a hard one, which would you be more likely to choose? The easy path isn’t always the wisest one. However, the fact that it’s easier can sometimes explain why we get ourselves into a mess in life. People my age place an emphasis on convenience. If there’s a fast & easy approach that’s the one we prefer. Taking the easy route isn’t necessarily bad but sometimes it means you’re giving up something in return for speed or convenience. Because we love fast and easy so much, it’s good to remember that there…
  • I Don’t Have Much Money – Can I Still Invest?

    Kevin Mercadante
    29 Jun 2015 | 8:01 am
    What often causes people to not invest money is the perception that you need a lot of money just to get started. That’s actually not true. Even if you don’t have much money, there are still places that you can invest with very little. This is important because the first obstacle to investing at all is just getting started. If you go through your entire life thinking that you can’t invest because you don’t have a lot of money, then you will never start. Here are ways that you can begin investing, even with very little money. An Employer Sponsored Retirement Plan If you are covered…
  • I’d Like to Travel Everywhere Man

    Ben Edwards
    23 Jun 2015 | 7:04 am
    Last weekend I was working on an upcoming article that highlights the fun and affordability of some of the best regional summer events like festivals and events around the country. I found myself wishing I had a solid month of vacation saved up so I could visit all of these festivals when the Johnny Cash song “I’ve Been Everywhere” came up on Spotify – followed by an appropriately timed ad for a travel credit card. With travel on my brain I was enticed to click on the picture of the Discover it ®Miles card superimposed on the wing of an airplane flying into the sunset. With a…
 
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    Queercents

  • Discover Card features a PRIDE Card? Who knew?

    DJ
    12 Jul 2015 | 8:36 pm
    Discover Card has had some of the best deals when it comes to credit cards this year especially on their double on everything promotion for new cardmembers. If you missed out on using your Discover It card the last few months for restaurant or bar/nightclub 5% cash back there is a lot more to get […]
  • AirBnB Released Beautiful LGBT Pride Video #HostWithPride

    DJ
    25 Jun 2015 | 11:59 am
    The travel hosting service AirBnb who has been gaining ground on traditional hotels is on our side of history with the upcoming SCOTUS decision. “As we celebrate Pride and strive for a world where we all can belong anywhere, we made this film to celebrate those individuals who, like us, look forward to creating a […]
  • Should LGBT Boycott Fire Island Pines & Out NYC Hotel?

    DJ
    24 Apr 2015 | 5:06 pm
    It seems each week there is another boycott to partake in from Chick-fil-a all the way to what toilet paper we use. I’ll get back to the toilet paper as I feel it is the most important thing to actually boycott right now. The big boycott right now goes to Mati Weiderpass and Ian Reisner […]
  • Free Hillary Clinton for President Stickers

    DJ
    23 Apr 2015 | 3:34 pm
    Seems not long ago we were telling you about I am Ready for Hillary Clinton for President bumper stickers although that was before she officially announced. Now the former Secretary of State has announced her candidacy and we are highly excited. Go here to claim your free sticker that says I ♥ Hillary Clinton.
  • Male Version of Hooters called “Roosters” Coming to Select U.S. Markets

    DJ
    1 Apr 2015 | 1:19 pm
    Hooters announced plans to introduce a fresh restaurant concept called Roosters. A Hooters type dining experience with an all-male wait staff. You can still get your fresh, never frozen, world-famous wings to mouth-watering burgers and fan-favorite fried pickles—all served up by the soon-to-be iconic Roosters Boys. It’s almost like a Hamburger Mary’s but unfortunately no […]
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    MoneyNing

  • 3 Financial Moves to Make Before Getting Married

    Ashley Eneriz
    29 Jul 2015 | 6:00 am
    Love can sometimes be blind, especially in the midst of an engagement and wedding planning. While I don’t think that love suddenly disappears after the honeymoon, like many would suggest, I do think the reality of finances can hit couples hard after they settle down. Here are three smart financial moves every couple should consider before tying the knot. Reduce Debt You might not think your $3K credit card debt and $10K car loan are that big of a deal. In fact, you can probably afford the $200-300 payment easily each month. But your budget might start looking too tight when you combine your…
  • How to Evaluate Your 401(k)

    Miranda Marquit
    28 Jul 2015 | 6:00 am
    One of the ways many people invest is through their 401(k) plans. These plans come with tax advantages, and some employers even contribute matching funds. For many people, the 401k plan is a way to save for retirement without too much effort. However, there are some things you should consider when it comes to your 401(k). Retirement startup FeeX offers these considerations when evaluating your 401(k): Do You Know What You’re Paying? First of all, do you understand what fees you are paying for your 401(k) plan? Many of us don’t stop to think about investment costs since we…
  • How to Get the Best Deals on Amazon.com

    Connie Mei
    27 Jul 2015 | 9:54 am
    We all know what Amazon.com does best. Chances are you’ve even shopped there at least once. The online shopping giant has become a household name by carrying one of the largest product selections online and having low prices. They’re also known for their speedy delivery and just overall dominating the eCommerce industry. But even so, navigating Amazon and finding the best deals can be quite confusing. I’m a very loyal Amazon.com customer and do a large part of my shopping there (everything except for groceries). Shopping the site can definitely be difficult at first, as there’s just…
  • How Much Could You Save By Downsizing Your Home?

    Travis Pizel
    26 Jul 2015 | 6:00 am
    When we built our home in 2004, we paid attention to the details we thought were important at the time. We found a floor plan we liked with the right number of bedrooms, and an ample sized kitchen on a lot adjacent to a park. Unfortunately, we didn’t think a lot about how our needs would change over time. A lower level basement that had been the kids’ toy room when we first moved in now sits almost empty. They’ve both moved into stages where their main sources of entertainment are their computers (which reside in their rooms), or socializing with friends. Our lower level…
  • How to Vacation on Your Boss’s Dime

    Jessica Sommerfield
    24 Jul 2015 | 6:00 am
    Traveling for business is a part of many people’s careers. While they’re not usually thought of as a vacation because of their purpose, business trips sometimes involve interesting locations, venues, and upscale hotel accommodations that can be enjoyed during your down time. If you’re unable to travel other times of the year because of finances or family obligations, these can be great opportunities to squeeze in mini-vacations that are more affordable since the largest expenses (transportation and lodging) are paid for by your employer. The next time you have to travel for…
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    Money Blue Book

  • Saving kids

    29 Jul 2015 | 4:34 pm
    To my late maternal grandparents, the Great Depression wasn't history. They lived through it. And, although they fared better than most during that difficult time, they were from a generation that learned to value financial security above almost anything else. I can still remember their taking me, a [...]
  • Can making money be joyful?

    29 Jun 2015 | 2:26 pm
    The trouble with having money is that you usually don't. Have money, I mean. Okay, you may keep a wad of banknotes or bag of gold coins somewhere safe, but generally speaking the only joy people with money have comes from bits of paper from their banks and brokers. In fact, in the digital age, they [...]
  • 4 ways to stop a wedding invite from breaking the bank

    28 May 2015 | 3:44 pm
    If you're like me, you're going to be a sucker for weddings. No quantity of divorce statistics or doubts about the gene pool from which one of the happy couple was derived is going to stop me loving every second. And I really don't care whether it's an over-flowered church affair followed by a recep [...]
  • The idiot's guide to saving for retirement

    14 May 2015 | 2:49 pm
    Early in April, 2015, a British doctor revealed results from years of medical research around the globe. People, he concludes, who are overweight (but not obese) live longer that those with a body mass index in the normal range. I immediately went on Facebook to complain. My personal retirement stra [...]
  • The idiot's guide to saving for retirement

    14 May 2015 | 2:18 pm
    Early in April, 2015, a British doctor revealed results from years of medical research around the globe. People, he concludes, who are overweight (but not obese) live longer that those with a body mass index in the normal range. I immediately went on Facebook to complain. My personal retirement stra [...]
 
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    The Dough Roller

  • 6 Websites to Help You Find the Cheapest Textbooks

    Rob Berger
    27 Jul 2015 | 4:00 am
    Students spend thousands on textbooks. It doesn’t matter what field you’re studying. Literature? You’ve got to buy thirty-five novels for every class. Science or math major? Textbooks for these classes routinely cost upwards of $100 or more. But there are ways to get ahead of the curve on textbooks, and great ways to save money. Here’s a look at a few of the sites you can use to buy books on the cheap. There are a few things to remember when buying textbooks from places other than your college or university bookstore. By buying elsewhere, you can save massive amounts. But, you lose…
  • How To Apply ‘Getting Things Done’ To Your Finances

    Rob Berger
    18 Jul 2015 | 10:57 am
    Recently I read the 2015 edition of David Allen’s widely popular book, Getting Things Done—The Art of Stress-Free Productivity. The previous edition was an eye-opener for me, although to be honest, I didn’t implement his system. This time is different. I’ve jumped head first into the GTD cult. In this article I’m going to walk through how I implemented GTD, including the tools I use. I’m also going to cover how you can use GTD to improve your finances. To get starting, let’s look at the 5 steps of the Getting Things Done system: The 5 Steps 1.  Capture: Use…
  • Swagbucks Review – Earn Rewards While You Surf

    Kevin Mercadante
    17 Jul 2015 | 11:01 am
    Swagbucks – interchangeably written as Swag Bucks on the website – is often promoted as an income opportunity. In reality, it’s much more than a way to make a few bucks. In fact, it might be more accurate to say that it is a site where you can earn rewards that you can exchange for gifts for doing what you normally do on the web. It also offers discounts and cash back when you shop online (similar to Ebates). How effective the site is mostly depends on what your expectations are going in. In this review I’m going to approach it from the standpoint that it may be a good…
  • The Pros and Cons of Socially Responsible Investing

    Kevin Mercadante
    16 Jul 2015 | 8:15 am
    We recently received an email from a podcast listener who is new to investing and is trying to figure our her investing strategy. Although she wants to make money off of her investments, she also wants to do it in a way that lines up with her system of beliefs. Here is an excerpt from her email: My one great concern about my investing is ethics. I care deeply about the environment and about good treatment of people. It makes no sense to me that I would profit from the destruction of the land that our kids and grandkids need in the future for their food and water. They won’t be able to…
  • How to Find the Best HELOC Terms

    Kevin Mercadante
    11 Jul 2015 | 1:07 pm
    If you have a home equity line of credit, or HELOC, you may be considering whether you should refinance it with better terms and a better interest rate. That’s an especially important consideration since HELOCs don’t work like traditional loans. Here’s a recent question we received on this exact topic from a reader named Gale: I thought that you’d like to know that we took your recommendation for cell phone service from Republic Wireless. We bought their cheapest phones and now only pay $23.50 a month for 2 phones with unlimited service compared to around $43…
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    Hustler Money Blog

  • Amex Express Checkout Ticketmaster Offer: $9.50 Profit Per Card

    Hu$tler
    29 Jul 2015 | 2:29 pm
    Ticketmaster: Simply find a cheap event or free event to trigger the $10 statement credit using Amex Express checkout. Simply buy the ticket for $.50 and profit $9.50. Apply for all the American Express Credit Cards especially those with no annual fee to take advantage of the current Amex Express Checkout promotion to get Free $10 Gift Card to Many Merchants for per American Express card. Amex Express Checkout is the new payment option which is available at select retailers online. Simply select Amex Express Checkout option, sign into your American Express.com account, pick the card you want…
  • Best Brokerage Bonuses, Deals, & Promotions- August, 2015

    Hu$tler
    29 Jul 2015 | 1:05 pm
    Below is our most updated 2015 list of brokerages bonuses, deals, and promotions such as ShareBuilder, TD Ameritrade, E*Trade, OptionsHouse, Schwab, Merrill Edge, Fidelity, Motif, OptionsXpress, and many more. We listed out all the cash bonuses, points & miles promotions, free commission trade deals, and many more. You will find all the terms and conditions with the latest update on the web! Chase Sapphire Preferred® Card offers 40,000 bonus points after you spend $4,000 in purchases within the first 3 months. With 40,000 bonus points, you can redeem for $500 towards airfare and hotel…
  • Motif Investing Review: $150 New Account Bonus

    Hu$tler
    29 Jul 2015 | 12:48 pm
    Motif Investing is offering up to $150 bonus for new investors with at least $2,000 deposit and make 5 trades. They allows groups of stocks that share similar characteristics, between 20 and 30 stocks, to be grouped into one called a motif.  You can pick many motifs using different criteria, such as industry or current events, daily change, one year return, and popularity. With Motif being quite cost-efficient, you get access to each of the stocks in the motif for one flat fee of $9.95 per transaction. There are no management fees, and no activity requirements.  Simply pay the flat…
  • Motif Investing IRA Review: $150 Transfer Bonus

    Baller
    29 Jul 2015 | 12:05 pm
    Open a new No-Fee Motif Investing IRA to easily qualify for a $150 transfer bonus! with a qualifying transfer of $5,000 or more by December 31, 2015. All you need to do is perform an IRA-to-IRA transfer (rollover does not qualify) of at least $5,000 to your new Motif Investing IRA. You also need to maintain the $5,000 minimum in your account for at least 30 days to qualify for the $150 bonus. In general, Motif Investing seems to be a better way to build a portfolio on your own, at low cost, using individual stocks. This is a great account for those who are looking to invest in trends or…
  • Preferred Credit Union Review: $50 Referral Bonus

    Baller
    29 Jul 2015 | 11:40 am
    For residents of Michigan, Preferred Credit Union is offering unlimited $50 referral bonuses. If you’re already a member of the credit union, all you have to do is complete the member referral form and send it to a friend. After your friend opens a new savings account, he or she needs to either take on a loan, sign up for a Visa Credit Card, or set up a checking account with direct deposit so the two of you can earn $50 each! There is no limit to the amount of referral bonuses you can earn and there is no expiration date so sign up as many friends as you can. Chase Total…
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    Cash Money Life | Personal Finance, Investing, & Career

  • Radius Bank Hybrid Checking Account – The New Standard in Banking?

    John Schroeder
    9 Jul 2015 | 6:57 pm
    This article was originally published on Cash Money Life | Personal Finance, Investing, & Career at Radius Bank Hybrid Checking Account – The New Standard in Banking?. Every few years, a bank releases a new product or service that changes what consumers expect from their banks. ATM machines are a great example. Giving people access to cash, regardless of the time of day, and in many cases, location, was a game changer. So was online banking, which made it easy to pay bills online, transfer money, and in most cases, earn more interest than one can earn in a brick and mortar bank,…
  • 10 Cheap Date Ideas – Save Money without Sacrificing Romance

    Ryan Guina
    22 May 2015 | 2:48 pm
    This article was originally published on Cash Money Life | Personal Finance, Investing, & Career at 10 Cheap Date Ideas – Save Money without Sacrificing Romance. I went to California this past week My wife and I are both frugal by nature. We just don’t spend a lot of money unless there it is planned or we have good reason. But that doesn’t mean we don’t like to have fun. All you need is a little creativity to have a good time. 10 Cheap Date Ideas Surprise your special someone with a card – just because. Everyone gets cards for birthdays, Valentine’s…
  • How to File a Tax Extension

    Ryan Guina
    14 Apr 2015 | 1:51 pm
    This article was originally published on Cash Money Life | Personal Finance, Investing, & Career at How to File a Tax Extension. I still haven’t filed my taxes. I know, I’m running out of time. I don’t really have an excuse other than trying to do too many things at once. I should have time to finish my taxes this weekend, but for those of you looking to file for a free extension, you can still do that. The IRS allows tax payers to apply for an automatic 6 month extension to file their taxes. There is one big caveat though – if you owe money on your tax return, at…
  • How to Pay Off Your Student Loans So You Can Get On With Your Life

    Kevin Mercadante
    30 Mar 2015 | 12:40 pm
    This article was originally published on Cash Money Life | Personal Finance, Investing, & Career at How to Pay Off Your Student Loans So You Can Get On With Your Life. For an entire generation, student loan debt has become a crippling fact of life. Part of the problem is the sheer size of student loan debt. For the Class of 2013, average student loan debt is approaching $30,000 and about 70% of graduates are carrying them. How can you pay off your student loans so you can get on with your life? Here are some strategies to help you do just that.   Public Service Loan Forgiveness…
  • TradeKing Promotions – Best Promo Ever – $200 Cash Bonus, or Get $1,000 in Commission Free Trades!

    Ryan Guina
    20 Mar 2015 | 6:05 am
    This article was originally published on Cash Money Life | Personal Finance, Investing, & Career at TradeKing Promotions – Best Promo Ever – $200 Cash Bonus, or Get $1,000 in Commission Free Trades!. UPDATE: $200 New Account Bonus. Celebrate TradeKing’s 10-Year Anniversary – Receive a $200 cash bonus when you open a new TradeKing account between 3/20/2015, at 1am ET and expiring at 11:59pm ET on 5/31/2015. See below for more details, or click the promotion link to open an account. TradeKing is one of the leading online discount brokers, and they are well known for…
 
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    Grad Money Matters

  • 5 Ways To Have A Better Instagram Page

    GMM
    27 Jul 2015 | 3:47 am
    Instagram has become a major hub for businesses to showcase images of their items or business. I’m more of a visual person, so Instagram has become one of my favorite social media outlets.I love interacting with other people through Instagram and gaining motivation and inspiration from the page as well. It’s very easy to make friends on this site because photos can show a lot about a person, and from there you are following them and learning more about their life.I use Instagram as a way to gain friends, but also followers as well because of my business.1. Post real photos. What I…
  • 5 Free Apps To Work Your Brain

    GMM
    20 Jul 2015 | 4:34 am
    Using a cell phone doesn’t have to be all about wasting countless hours on social media outlets. We are living in a time where new apps are continually being made to make life easier and even improve our quality of living.Are you looking to get smarter and use your time more wisely, while still being on your phone? Look no further.Below are listed 5 free applications for both iPhone and Android users.1. Memory Trainer.Anyone and everyone can benefit from gaining a better memory and memorizing things better. It’s been proven that crossword puzzles can aid older adults in avoiding…
  • 6 Essential Money Tips for College Grads

    GMM
    16 Jul 2015 | 10:30 am
    Congratulations!You’ve graduated from college and are starting your future as a responsible adult.Maybe you’ve started your job hunt to find that perfect career or perhaps you’ve already landed an amazing position that you dreamed of.Either way, it’s time to start thinking about your financial future.Besides weekend plans, Snapchatting your friends, and Instagramming your dinner, there are a lot of things to think about when you are first starting out.If you’ve made the big move out of your parents’ house, you now have rent, utilities, and groceries in addition to transportation…
  • 6 Free Or Inexpensive Apps For Children

    GMM
    13 Jul 2015 | 4:31 am
    As we are moving into a time where children are using electronics more and more frequently, it’s become widely apparent that there needs to be more kid friendly applications.Many people believe that electronics and children shouldn’t mix together, but it turns out that electronics can be quite beneficial for the average child, as long as it is used correctly.There are tons of apps being invented that can help stimulate a child’s brain and make them smarter overall, in ways that many toys and games were never able to before.1. AlphaBaby.AlphaBaby is more for the younger soul…
  • How To Set Yourself Apart From Other Interviewees

    GMM
    10 Jul 2015 | 2:00 am
    Interviews can be a stressful process. Even if you are great at interviews and/or if you think you are perfect for the job, you may still not actually be receiving any job offers.So, what do you do when this happens?You need to start setting yourself apart from everyone else who is interviewing for the same positions as you are. If everyone is very similar, then little (or sometimes big) things can go a long way and earn you the job. You may have to start putting in more effort to land that job, but if you really want a job then it can be well worth it.Not giving your full effort when…
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    Everybody Loves Your Money

  • How to Maintain Good Credit

    Me
    29 Jul 2015 | 9:15 pm
    This post is a contributed post from USA.gov.  See their Financial Self-Defense Kit for advice on how to build financial confidence as well as safeguard your finances. “It takes many good deeds to build a good reputation, and only one bad one to lose it.” — Benjamin Franklin Your credit history is your financial reputation. And just like your professional and personal reputations, your credit history takes many years to cultivate, can be easily damaged, and will follow you for the rest of your life. Sound intimidating? Good. Are you scared? Don’t be. Yes, maintaining good credit is…
  • 10 {More} Side Job Ideas

    Me
    27 Jul 2015 | 8:07 am
    Having a side job, or “side hustle” is awesome. It allows you to test your skills in areas that you wouldn’t normally get to in your day job. Plus, you get to make the rules. Your success is fully dependent on the work you put in. Depending on the type of person you are this could be a good thing or a bad thing. Almost two years ago I was able to turn my online side jobs into full times jobs! Since then I’ve nearly tripled the amount of income I earn each month and work less hours to boot! What started out as a side job for me has been an answer to my prayers. If you want to start…
  • The Risks of Trading Online with MT4 Platform

    Me
    23 Jul 2015 | 10:31 am
    There was a time when you had to rely on the phone and your stockbroker for engaging in stock market transaction. Thanks to technological advancements, that is no longer the case. Merely with a few clicks, investors today can easily conduct transactions over the internet. This is the facility online trading platforms such as Metatrader or MT4 provides you with. However, online trading does not come without its equal share of risks. Let’s look at some of the risk involved in online trading that ETX Capital wants you to be wary of. Security concerns Special risks are involved in online…
  • Jake Busey Net Worth

    Me
    21 Jul 2015 | 9:15 pm
    Taking a look at celebrity net worth is always fun. Since popular actors, sports stars, and musicians rake in some major cash it can either be inspiring or depressing to take a look at their net worth. Today we’re look at Jake Busey’s net worth. Jake Busey is an actor, producer, musician, and also son of Gary Busey. Jake is best known for his appearances in Starship Troopers, Tomcats, and Identity. Busey has also appeared in a number of smaller roles, including television shows, and also does voice over work. Like Father, Like Son? In 2012 Gary Busey had to file bankruptcy after amassing…
  • 3 Types of Family Budgets to Consider

    Me
    20 Jul 2015 | 8:34 am
    There are plenty of different ways to budget and the method that your family chooses shouldn’t be set in stone. Getting on a budget is one of the single most important things you can do to make sure your family is reaching financial goals. If you have no idea how to get started here are three types of family budgets to consider. The Zero Based Budget The zero based budget is a concept where you “spend” your money at the beginning of each month before even getting paid. To do this you’ll start by calculating your take home income. Once you have the total you will map out a plan to…
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    CreditCards.com

  • Once the Fed starts raising rates, how soon will your card's APR go up?

    Matt Schulz
    29 Jul 2015 | 8:47 am
    When the Federal Reserve raises interest rates -- and it won't be today, but may come in September -- your credit card's APR is almost certainly going to go up as well.For those who carry a balance, that means higher monthly minimums and higher interest charges.How quickly will they hit you? Once the Fed acts, your card agreement spells it out, and there are variations between banks. Some will act superfast, others will grant customers a brief reprieve.It has been nine years and one huge recession since June 2006, the last time the Fed voted to raise short-term interest rates.  In the…
  • 'BWANMNP!' alarm reveals how strange chip cards remain

    Sienna Kossman
    28 Jul 2015 | 3:00 pm
    Just because someone has an EMV chip card doesn't mean the cardholder or the cashier processing the transaction know how to use it. Over the past year cardholders have begun to receive EMV cards, which are designed to prevent counterfeit fraud, leading up to a nationwide payment technology migration deadline this October. My boyfriend, Steven, is among them. A few weeks ago he and I were checking out at Target. He decided to use his new Amazon.com Visa as payment. The cashier told him to swipe, so he did, which set off a beeping noise emanating from the point-of-sale terminal that was so loud…
  • Millennials not so credit shy after all

    Kelly Dilworth
    24 Jul 2015 | 5:00 am
    Millennials have a reputation for steering clear of high-interest plastic in favor of cash, prepaid cards and debit. According to a widely cited CreditCards.com survey, for example, more than a third of millennials have never even owned a credit card. Burdened by record levels of student loan debt and a competitive job market that has yet to fully recover from the Great Recession, many millennials are thought to be distrustful of major banks and high-interest credit and are referred to in various press reports as being "cautious," "skittish" and "spooked" by debt. A spate of recent studies…
  • 3 ways to boost online sales for extra cash

    Sienna Kossman
    21 Jul 2015 | 12:45 pm
    Selling unused or unwanted goods online is like holding a rummage sale, but from the comfort of your couch. It's even better if those online sales can help cushion a savings account or pay down debt, which is what they've done for me.Over the past several months, I've collected a handful of items, such as unworn jewelry, gently used clothes and old smartphone cases, to post online for sale and have made some easy money. Just last week I earned $75 for a bracelet I was gifted in high school and have worn maybe five times in the past seven years. Score!Here are three things I've learned through…
  • Consumer gripes about financial companies revealed

    Fred Williams
    17 Jul 2015 | 5:00 am
    Have you heard of Enhanced Recover Company? If you haven't, consider yourself lucky.The Jacksonville, Florida-based company has the fastest-growing complaint record for debt collection, according to the U.S. Consumer Financial Protection Bureau.ERC drew 193 complaints a month on average from February through April, up from 55 in the corresponding period a year earlier, the CFPB said, a 252 percent increase.The next fastest-growing targets of collection complaints were Southwest Credit Systems, up 212 percent, and First National Collection Bureau, up 71 percent. Those are some of the takeaways…
 
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    One Frugal Girl

  • Choosing a Kid’s Bike: Focus on Quality or Price?

    One Frugal Girl
    28 Jul 2015 | 8:02 am
    I’m crouching in the consignment store staring at two bikes. I probably look a little bit crazy. I lift one and contemplate it’s weight. I turn the handlebars, left and right, right and left. Does it move too easily? It definitely feels loose. It feels flimsy in my hands. I inspect the first one again. I repeat this process two or three more times with both bikes. I’m wavering between the two options and eventually walk to the register to inquire about this store’s return policy. The cashier tells me “bikes cannot be returned” so I walk out empty handed.
  • Pampers Premium Care Review

    One Frugal Girl
    26 Jul 2015 | 5:00 am
    Before my first son was born, (sometime around the beginning of my third trimester), I read a blog post about stockpiling diapers. It sounded like such a great idea, of course I wanted to save money on diapers and what better way to save then by taking advantage of promotional sales? I was already making a weekly trip to stores to stock up on household items for free or nearly free, so why not add diapers to the list of items I bought there? There are all sorts of websites that provide estimates for the number of diapers you might need in the first year of your child’s life. If you…
  • $10 Aéropostale eGift Card with $20 In-Store Purchase

    One Frugal Girl
    25 Jul 2015 | 10:19 am
    Spend at least $20.00 with your registered VISA credit card at an Aéropostale store and you’ll receive a FREE $10 Aéropostale eGift Card! Valid through August 9, 2015, or while supplies last. Please note: Purchase must be made in-store. Online or gift card purchases do not qualify. Limit 1 per person. TrialPay will email you the eGift Card within 1-2 days of your in-store purchase. Your card number is required to verify purchase. It won’t be charged.
  • Saving Money on Groceries: That’s a Lot of Chicken!

    One Frugal Girl
    25 Jul 2015 | 8:26 am
    I prefer to buy organic or all natural chicken for my family, but it’s so much more expensive than the other stuff our grocery store sells. Every once in a blue moon our grocery store offers buy-one-get-one offers and from time to time the price is dropped to $3.59, but the full retail price is typically $5.99 a pound. When I received the latest email from Peapod offering chicken for $3.99 I decided to stock up. I wound up purchasing twenty 1.5 pound packs. The invoice estimates that each pack weighs roughly 1.6 pounds so I was charged $6.38 per pack. Although peeking through the bags I…
  • Complaining About Poor Service and Unsatisfactory Goods

    One Frugal Girl
    23 Jul 2015 | 9:38 am
    Do you complain after receiving poor service or unsatisfactory goods? I don’t make it a habit to point out bad service, but this past week I sent letters to two separate companies asking for a refund of my purchases. One night my family and I ate dinner at a local restaurant and ordered a few wings to go. The next day I opened the takeout box and found tiny chicken nuggets in place of the plump ones I was expecting. The previous night we ate chicken, (at the very same establishment), that was twice the size. A day after this incident my husband purchased salad mix from the grocery store…
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    My Dollar Plan

  • This Month’s Most Popular Finance Tips: July

    Madison
    30 Jul 2015 | 6:29 am
    This month our most popular finance tips were tips from the Tightwad Gazette, more money saving tips, how to get a natural high, make money as a freelancer, eat out for less and figure out how to calculate your annual income. If you missed the most popular finance tips this month, here’s a quick overview: This Month’s Most Popular Tips: July How to Get a Natural High for $5 or Less. Want to get a thrill without spending a lot of money? Check out the list of natural highs. How to Calculate Annual Income. If you are working on setting up a budget with a bi-weekly payroll, this…
  • What Rising Interest Rates Mean For You

    Don
    29 Jul 2015 | 6:29 am
    Investors and consumers have been paying close attention to the Federal Reserve recently, wondering when they will begin raising interest rates. While the Fed meets this week, I want to walk through what you as a consumer and investor can expect when interest rates do rise. But first, why raise interest rates? When will interest rates rise? Why Raise Interest Rates? In today’s economy, the Federal Reserve would raise interest rates to slow down inflation. While inflation that is measured by the Consumer Price Index is tame, as consumers, we see rapidly rising prices, especially in the…
  • 10 Frugal Tips from the Tightwad Gazette

    Amanda
    27 Jul 2015 | 8:33 am
    Amy Dacyczyn began a newsletter called the Tightwad Gazette back in 1990 with just 1,700 readers. Six years and seven months later, she had well over 200,000 subscribers and a book deal. Her newsletters were filled with wonderful, frugal (and sometimes…eccentric) tips and ideas from her own experience, as well as from her frugal readers. I own the Complete Tightwad Gazette. It is 927 pages, and while I started it from the beginning when I was unemployed in 2008, I only got a quarter of the way through. Nowadays, I like to open it to a random page and see what wisdom and ideas it holds.
  • American Express Checkout $10 Bonus

    Madison
    24 Jul 2015 | 6:29 am
    It’s Free Money Friday! American Express Checkout is offering a $10 statement credit to try out their new service. How to Get Your $10 Bonus Make a purchase at one of the participating online websites by September 7, 2015. Select the American Express Checkout option instead of the merchant’s standard online checkout option. A $10 statement credit will appear on your billing statement within 90 days after 9/7/15. Terms and Conditions You must have an online account with American Express since you will be required to provide this username and password in order to use Amex Express…
  • Should You Buy an Extended Warranty on a Car?

    Don
    22 Jul 2015 | 6:29 am
    For many purchases in life, the warranty that comes with the product from the manufacturer is sufficient. But there are times when you want an additional warranty on top of the standard warranty that the item comes with. While in many cases, the extended warranty is a money ploy for the retailer, there are times when an extended warranty does make sense. I am going to focus on automobile extended warranties. (Photo Credit: vectorolie/Free Digital Photos) The Game of Extended Warranties In General I used to work for an electronics retailer after graduating college. One of my monthly goals was…
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    bluntmoney.com

  • Duking It Out: Lump Sum Investing vs. Dollar Cost Averaging

    bluntmoney
    26 Jul 2015 | 5:27 am
    Since it’s rare that I’ve had a lump sum to invest, I’ve usually used the dollar cost averaging method of investing. But is that really the better route? I mean most people will come across a lump sum eventually. What do we do then? Say you downsize your house and have a tiny windfall of $50,000. Should you invest it in one day or spread it out over time? I don’t know right now but by the end of this post, I’ll have an answer. In dollar cost averaging, you invest a set amount on a regular basis, regardless of what the market is doing. For example, last year I…
  • South Florida Real Estate: Important Things to Know before Investing

    bluntmoney
    21 Jul 2015 | 9:39 am
    During my last trip to Miami, one thing that really surprised me is how real estate had bounced back during the past two years. You see construction projects being launched, and as a short term renter, it is really hard to find a place at the last minute if you are on a tight budget. That indicates a strong rental market, with most properties being rented months in advance. Brickell Flatiron in South Miami   As a real estate investor, I started doing a little research about real estate in South Florida, and my idea was to find a 3 bedroom with two bathroom to rent by the week to national…
  • 3 Sure-Fire Strategies to Keep the Wolves from the Door

    bluntmoney
    2 Jul 2015 | 9:00 am
    The wolves are at the door, the hinges are slowly breaking and you’re cowering in the corner, muttering, “I’ll pay later! I’ll pay later!” Indeed, it’s a stress we’ve all felt at one time or another. Yet most people try to make seismic changes to their spending patterns, and it usually leads to a promise like a New Year’s resolution – you’ll never keep it in the long run. Instead of trying to reinvent the wheel, why not alter the spokes until you’ve got the perfect calibration? Small changes in your spending can be just as important to your bank balance as large ones.
  • 3 Ways to WIN the Financial Game

    bluntmoney
    1 Jul 2015 | 9:55 am
    The finance game is dangerous to play. For some it’s like playing Russian roulette – with every barrel loaded. You’ll look at your bank account like it was a horror movie. You’ll watch bills mount up and pretend they don’t exist. And payday will become heart-breaking, as you witness every penny you’ve earned siphon out of your account and into the hands of villainous companies. If your finances are safe, all this is just one path you’re in danger of travelling. Without the proper financial checks and balances in place, you could fall into the doldrums of debt quicker than a…
  • Roth vs. a Traditional IRA

    bluntmoney
    28 Jun 2015 | 3:51 am
    Alright, I’ll admit it, I don’t have a Roth IRA. I have a regular IRA instead. I’ve been considering jumping on the Roth bandwagon, but wanted to check things out for myself first. So I went and took a look at the IRS’s Publication 590, Individual Retirement Arrangements. Here is the chart I came up with to help me decide after checking out the details for each type of IRA in that publication:   Question Roth IRA Traditional IRA Are contributions deductible? No Possibly Are contributions reported on tax return? No Yes Are distributions taxed? No, for qualified…
 
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    Million Dollar Journey

  • Understanding Universal Life Insurance

    Chantal Marr
    27 Jul 2015 | 4:30 am
    As a society, financial independence is what we’re all striving for, particularly in this unstable economy. The best way to achieve it is to take things into your own hands; and make thoughtful investment decisions. Insurance can be an investment vehicle where you can have the best of both worlds.  It’s a way to build financial independence and leave money to your heirs, provided you get insurance with an investment component. Universal life insurance is a type of insurance that builds wealth. To see if this type of life insurance is something you should look into, below we will look…
  • Net Worth Update July 2015 – Karl the Real Estate Agent (+10.17%)

    Guest Blogger
    20 Jul 2015 | 4:30 am
    Welcome to the Million Dollar Journey December 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. Karl the Real Estate Agent was selected as a team member and will post net worth updates on a regular basis. Here is more about Karl. Profile: Name: Karl Age: 33 Day Job: Employed as a Real Estate Agent Full Time. Family Income: $130,000 (Personal full-time job); $15,600 (rental income before expenses); and, $50,000 (spouse full time job). Goals:…
  • Top Premium Cash Back Credit Cards in Canada

    FrugalTrader
    13 Jul 2015 | 4:30 am
    To follow up on my list of free cash back credit cards in Canada, I’ve had a number of readers come to me about the “fee” based cards that can offer more cash back, even after accounting for the annual fee. My favorite free cash back credit card right now is the MBNA Smart Cash card.  While the value of this card has diluted over the years, it still offers 2% cash back on gas/groceries (up to $400/month in spending) and 1% on everything else. While free credit cards are great, there are times when household spending increases to the point where the extra value offered by…
  • Connecting Canadians with Available Jobs

    Clark
    6 Jul 2015 | 4:30 am
    People receiving Employment Insurance (EI) payments are responsible for conducting searches for a new job, documenting their search activities, and reporting the same to Service Canada. In January 2013, the Connecting Canadians with Available Jobs (CCAJ) initiative was introduced to help unemployed people on EI benefits stay connected with available jobs. The initiative is designed to link claimants to jobs in their local region that match their skills and also, to offer them additional support to find work. Suitable Employment The CCAJ initiative aims to connect unemployed people to suitable…
  • Reader Mail: 17 Years Old, Saving $500/month, What’s Next?

    FrugalTrader
    29 Jun 2015 | 4:30 am
    After my interview with Forbes.com, I received a rush of new readers visiting MDJ along with a slew of questions.  One email in particular stood out as it was from a 17 year old, David, who is already starting to save and get interested in investing. Here is the email: I’m 17 years old and work 3-4 days a week and I’m able to save about $400-$500 a month easily ($800/month net salary). I read on a yahoo article (syndicated from Forbes) that you started investing in mutual funds at only 16. Are there any tips you would give me right now? And if you could do it all over again is…
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    Bible Money Matters

  • Should You Learn The DIY Skills Previous Generations Learned?

    Melissa
    27 Jul 2015 | 11:45 am
    In our dual income society, many of the DIY skills older generations learned have disappeared. We’re used to outsourcing everything. But should we? The post Should You Learn The DIY Skills Previous Generations Learned? appeared first on Bible Money Matters and was written by Melissa. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • My Digit And WiseBanyan Experiment Update: Automated Saving & Investing Trial

    Peter Anderson
    20 Jul 2015 | 10:21 am
    I opened free accounts with Digit and WiseBanyan to see how much an automated saving and investing plan could lead to. How's it going so far, 6 months in? The post My Digit And WiseBanyan Experiment Update: Automated Saving & Investing Trial appeared first on Bible Money Matters and was written by Peter Anderson. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • Republic Wireless Now Refunds Money For Cell Data You Don’t Use

    Peter Anderson
    17 Jul 2015 | 9:08 am
    Republic Wireless just added new cell phone calling plans that refund money to users who don't use their full allotment of mobile data. Here's how it works. The post Republic Wireless Now Refunds Money For Cell Data You Don’t Use appeared first on Bible Money Matters and was written by Peter Anderson. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • Counting The Cost Is The Key To Finishing Well

    Brian
    16 Jul 2015 | 3:57 am
    No one begins a project with the expressed desire it will fail. Our intentions are always to finish what we start and do so with excellence. Our lives gain value when we see something through to the end. Finishing is huge for our psyche. Unfortunately, we don’t start at the finish and instantaneously get that […] The post Counting The Cost Is The Key To Finishing Well appeared first on Bible Money Matters and was written by Brian. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • Famous Musician Bankruptcies: From Millions To Broke – 50 Cent

    Peter Anderson
    14 Jul 2015 | 7:39 am
    There are a lot of famous music artists who have filed bankruptcy. Today we learned of another one, 50 Cent. Here's what went wrong for Fitty. The post Famous Musician Bankruptcies: From Millions To Broke – 50 Cent appeared first on Bible Money Matters and was written by Peter Anderson. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
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    Canadian Personal Finance Blog

  • Money Motivations

    bigcajunman
    28 Jul 2015 | 4:01 pm
    Tweet I read on-line a great motivational phrase: “You will never have more time to achieve your goals than you have right now.” This phrase is so true, for money, and unfortunately as you read this article, you now have less time than when you first started reading this article. Most motivational phrases like this (for me) are double-edged swords. A better catchphrase to go with, on your financial journey, is the following: “The best time to plant a tree was 20 years ago. The second best time, is right now.” Which is more of a variation on my commentary about Golf…
  • Are Employer Pensions in Canada Dying ?

    bigcajunman
    27 Jul 2015 | 5:06 am
    Tweet Stats Canada published an interesting study of Pensions last week, entitled, “Pension plans in Canada, as of January 1, 2014 “, and in it was the great news that more Canadians (total) have pensions (from 2012 to 2013). Looking at all sectors and all types of pensions 169 more Canadians had Pensions from 2012 to 2013 (no that is not in hundreds of thousands, or thousands, it is 169). For all intent and purpose there were the same number of folks with pensions, however, the types of pensions that they have, has changed a fair amount. There are 20,868 less folks in Defined…
  • Family Allowance, Diving Dollar, Access Sharing and #BestMoneyStories

    bigcajunman
    24 Jul 2015 | 4:49 am
    Tweet The Dive of the Loonie in January Welcome back the Family Allowance, as the Tories change the UCCB to become a taxable benefit, and we return to the happy world of the Family Allowance cheque (which at the end of the program was given and then clawed back if you made enough money). Interesting that the new UCCB pays out now, but a lot of folks who don’t realize it is a taxable income source, won’t figure it out until after the election? I know, the Liberals & NDP (and me) will be pointing that out long before the election. Now there is talk of a real deficit this year…
  • New UCCB and Taxes

    bigcajunman
    22 Jul 2015 | 4:07 pm
    Tweet So the Harper Government introduced the much vaunted New and Improved UCCB  (universal child care benefit) this month so parents (with eligible children)  have been receiving payments, and from what I can tell of the parents I know it has been viewed as a positive thing. Mrs. C8j received the new payment and the back payments as well (conveniently paid just at the start of an election campaign (sorry that just slipped out)) for Young C8j, which was nice to see in the bank account. Before you go blow all your new money on “penny whistles and moon pies”, remember this is a…
  • The CRA Does Not Like Change

    bigcajunman
    21 Jul 2015 | 5:15 am
    Tweet Here is a Tuesday Quickie for you, I have pointed this one out a few times, but my Theory has been proven: Whenever you have a major change in your life that causes a change in  your tax status, the CRA will ask for you to send receipts to verify it (i.e. a Review not an audit). A simple theory, but it has been proven countless times for me: Each time one of my kids started at University, either I or my child was asked to supply T2202A forms from the school. When they moved from residence to a rental off campus, receipts for the rental When I claimed my son’s school fees as a…
 
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    Early Retirement Extreme

  • On gratification

    Jacob
    30 Jul 2015 | 1:37 am
    It is much more gratifying to say “I did that” than “I paid for that.” Copyright © 2007-2015 earlyretirementextreme.com This feed is for personal, non-commercial use only. The use of this feed on other websites breaches copyright. If you see this notice anywhere else than in your news reader, it makes the page you are viewing an infringement of the copyright. (Digital Fingerprint: 47d7050e5790442c7fa8cab55461e9ce)Originally posted 2010-12-29 22:17:30.
  • Food, health, and (long and short-term) costs

    Jacob
    29 Jul 2015 | 1:33 pm
    I’m 3738 now. This is the age where the cumulative effects of good and bad living are beginning to show. When I look at the people I went to school with, some of the “health nuts” still look like they’re in their twenties. Conversely, some in the “beer & steak”-crowd look like they’re in their mid-forties. I’d imagine that this gap will continue to widen, similar to the gap in wealth between those with a 10% savings rate and those with a 70% savings rate widen, slowly, as each year is one year more traveled, cumulatively, in opposite…
  • One man’s meat is another man’s poison

    Jacob
    29 Jul 2015 | 1:32 am
    Ha! You probably thought this was about vegetarianism, but it isn’t. I recently got a pingback from a Brazen Careerist post on her opinion on bad job advice lobbing me in with the baby boomers. Crickey! I thought I was older than that. Actually, I’m only 33 and so at the edge between Generations X and Y. I think choice of work depends not so much on what kind of generation you fit in but what kind of person you are, where one may of course take most of the clues from one’s generation. Obviously, advice often reads like someone’s autobiography. “This is what…
  • The danger of lifestyle consumption

    Jacob
    28 Jul 2015 | 1:25 pm
    By lifestyle consumption I mean seeing lifestyle, which is a pattern of behaviors, as a product to be consumed. This product can be a book, celebrity shows and magazines, clothing, and so on. Effectually, the lifestyle is idolized and people then flock to the given lifestyle and buy into its associated behaviors. What is happening here is simply people invent another concept to consume. You can be “a millionaire next door” which is appealing to people who are into careerism and frugality, or you can be a “lifestyle designer” if you’re young at heart and like to…
  • Tips from S on how to spend less eating out

    Jacob
    28 Jul 2015 | 1:18 am
    I must admit I am hopeless to give advice on reducing the cost of eating out, because eating out to me means about as much as a book on string theory does to the next person. Fortunately, I got “saved” by S who has taken a year off to travel around US and Canada by car staying with friends. I think it’s key to make it easier to eat in than out. This week we’re on a mountain in the middle of nowhere with a great kitchen, so we’ve eaten every meal here. We eat out an unfortunately large amount when not traveling too. There are a lot of restaurants within a 3 block…
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    2million's Personal Finance Blog

  • June 2015 Net Worth Update (+2,172)

    2million
    18 Jul 2015 | 10:56 am
    Highlights for JuneWe have earned approx $3,400 (in gift cards, points, and miles) through credit card signup bonuses in the part year. We just finished the last 2 offers and will be looking for my next opportunity.Our properties are listed on our balance sheet based on their cost basis, not current market value. We have done this during the the real estate market highs and lows. I believe real estate is too illiquid to list based on recent sale transactions. I received my employer's annual bonus in June. It was small, but better than last year's ($0) so a step in the right direction.I took a…
  • May 2015 Net Worth Update (+15,309)

    2million
    14 Jun 2015 | 7:18 am
    Highlights for AprilWe have earned approx $3,400 (in gift cards, points, and miles) through credit card signup bonuses in the part year. We are actively working on 2 additional bonuses including the Delta Amex Card for 50,000 Skymiles & Barclay Travel Plus Card for $400 in travel credit.Our properties are listed on our balance sheet based on their cost basis, not current market value. We have done this during the the real estate market highs and lows. I believe real estate is too illiquid to list based on recent sale transactions. I spent 2 weeks in May on a business trip to China. I enjoying…
  • April 2015 Net Worth Update (+$16,009)

    2million
    3 May 2015 | 1:50 pm
    Highlights for AprilWe have earned approx $3,400 (in gift cards, points, and miles) through credit card signup bonuses in the part year. We are actively working on 2 additional bonuses including the Delta Amex Card for 50,000 Skymiles & Barclay Travel Plus Card for $400 in travel credit.Our properties are listed on our balance sheet based on their cost basis, not current market value. We have done this during the the real estate market highs and lows. I believe real estate is too illiquid to list based on recent sale transactions. April's focus has been on the rentals as 2 of our tenants have…
  • Financial Freedom Plan - 2015 Update

    2million
    30 Apr 2015 | 6:13 pm
    I finally sat down to get an updated view of our progress towards our financial freedom plan that I laid out a few years go in terms of asset allocation. Some notes: Our asset allocation to fixed income (interest) will continue to be a gap for us while government drive the low interest rate environment. No sense in putting assets to work here as generally the return is not worth the risk in my opinion. If interest rates normalize well likely shift focus to here.Our invest-able cash flow focus has been on paying down the rental mortgages over the past couple years, but that has not kept pace…
  • March 2015 Net Worth Update (+$5,216)

    2million
    13 Apr 2015 | 2:18 pm
    Highlights for MarchWe have earned approx $3,000 (in gift cards, points, and miles) through credit card signup bonuses in the part year. The last one I did in January and Im actively looking for some additional bonus opportunities.Our properties are listed on our balance sheet based on their cost basis, not current market value. We have done this during the the real estate market highs and lows. I believe real estate is too illiquid to list based on recent sale transactions. We booked a beach condo rental @ Myrtle Beach for $950 for a week in June. We normally try to take a beach vacation in…
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    How I Save Money.net

  • Friday Finances: July 2015, Week 4

    Lulu
    24 Jul 2015 | 5:49 am
    Every Friday I post about my finances for the week in an effort to monitor my income and expenses. I used to post all of the actual figures but I have recently decided to stop doing this. I will now post SOME of my actual expenses and leave the rest to your imagination. All income and expenses are recorded in Mint and any amounts are rolled over into the next month. This week my expenses were: $31.71 for the phone bill. Yes it was higher this month than my normal spending because I had some extra charges last month from my trip abroad. I had to buy a data plan while I was away and there were…
  • Time For A Mid Year Finance Check Up

    Lulu
    20 Jul 2015 | 6:15 am
    It is the middle of the year…ok a little past the middle of the year and it is time again to do a Mid Year Finance check up. This is where you take a look at your history for the year to date and determine how it compares to your annual budget. For me this is easy with Mint since it provides not only a monthly tab but also a year to date count of what I have spent and what I have gotten as income. I will review my finances to date to determine whether or not I am on track to stay under budget. If I am on track to go over the annual budget then this is a good time for me to review the…
  • Paid For Lunch At Olive Garden With Ziosk

    Lulu
    14 Jul 2015 | 11:03 pm
    So I recently had lunch at Olive Garden and paid with their Ziosk. For those who don’t know, Ziosk is a tabletop tablet-like machine that is supposed to make service a little easier. It has games, which you have to pay for, along with other utilities. For example, on the home screen you can push a button to call your server back to your table. This sends them a signal somehow, not sure if they have a receiver or if someone tells them, and they come back to you instead of you hoping to flag them down. The Ziosk also has information about the allergy related foods and allows you to order…
  • Changes To Ally Bank’s ATM Fee Policy

    Lulu
    12 Jul 2015 | 11:01 pm
    As you all know I use Ally as my secondary bank. I really like this bank because of the rates on CDs and the fact that they offer the no penalty CD as well. I do not generally use cash but I just got a notice about the ATM fees that I wanted to share with you. Here is a portion of the email I received. “Ally is pleased to announce that we have joined the Allpoint® network to allow customers no-fee access to more than 43,000 ATMs nationwide. Allpoint is the largest no-fee network, with terminals throughout the U.S. in locations such as CVS and Walgreens pharmacies, Target stores, 7-11…
  • Online shopping behavior: Women vs Men. Are we that different? (Guest Post)

    Lulu
    8 Jul 2015 | 8:19 am
    With any online store it helps significantly to understand the people who are purchasing from you. Store owners often find the best information through Google Analytics and other data gathering tools. However, there’s nothing like a case study pieced together in an easily digestible infographic.   This infographic is presented by Ecommerce Platforms, and it outlines the clear differences in the online shopping habits of men and women. From how women like to buy gifts for other people to how men are less interested in discounts, sales and deals, the infographic assists ecommerce store…
 
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    Funny about Money

  • WHEN am I supposed to get any writing done?

    funny
    30 Jul 2015 | 6:40 am
    Well, actually, the first grutch of the day is not about the endless series of roadblocks to the writing venture. It’s about my usual hobbyhor$e, money. Dammit. I went in to get my teeth cleaned yesterday and the (wonderful!) dental tech informed me that she found a crack in a molar. Make that ANOTHER crack. I already have four crowns holding broken teeth together. So that will be ANOTHER THOUSAND BUCKS out of my already impoverished funds! Quitting the damn teaching job may have been a mistake… I’m not convinced: in my experience, a cracked tooth hurts. This elicits no pain…
  • Dumb Tax and Learning Experiences

    funny
    28 Jul 2015 | 8:20 am
    Okay, this is gonna have to be fast because a ton of THINGS remain to be done. But you probably think I fell off the edge of the earth…so…just to keep my hand in, here goes… Since quitting the teaching job about the four weeks ago, I plunged into a whirlpool of nonstop work, 12 and 14 hours a day: trying to catch up with all the work that hasn’t been done over the past year while I’ve been wrestling with the Mayo Clinic and trying to establish a business framework in which to build the proposed p0rn novelette empire. I’ve gotten a LOT done, much of it…
  • Enterprise Progress, Costco Progress

    funny
    22 Jul 2015 | 7:38 pm
    So some of yesterday’s unholy tangles got straightened out today. We now have a username and pw that will get us into the sites on WestHost — turns out we were trying to get in through the wrong URL. Oops. The authorization code to free the Writers Plain & Simple domain name from WordPress came through some hours into the morning. With that in hand, I managed to find a LIVE HUMAN BEING (can you imagine????) at GoDaddy to complete the job. These tergiversations occupied half the morning, but at least they resulted in getting something done, for a change. Meanwhile, in the…
  • So much for creative work…

    funny
    21 Jul 2015 | 5:51 pm
    Note how wallpaper brings to mind a black hole into which Time Itself is being sucked… Did I actually say I daydreamed of spending my days writing for a living? Really? What on earth could I have been thinking? Wouldn’t you think that after 70 years on this earth I would have figured out that NO ONE MAKES A LIVING DOING CREATIVE WORK. My entire day has been consumed — utterly, totally consumed — with screwing around with  other people’s websites. And what have I accomplished? Almost nothing. Well. Along the way I’ve taken notes and printed out how-to…
  • The Enterprise: Progress Made toward Business Goals

    funny
    20 Jul 2015 | 12:15 pm
    So yesterday I started the upload of Slave Labor to Snowflake Press’s print-on-demand service, just to see what would happen.  It went pretty well until (I think) until I reached a point where the next step was… ????? Self-evident, this site is not. Finding no way to proceed past the point of having uploaded the book and entered my company’s information, I saved and sent an email to their support folks. Got a message back instructing on what to do, so today I have to decipher that and move forward. I think the next step elicits page proofs — interestingly, from their…
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    Lending Club Blog

  • Welcome Arkansas, Iowa, and Oklahoma Investors!

    Lending Club
    14 Jul 2015 | 8:20 am
    We recently welcomed residents of Arkansas, Iowa, and Oklahoma to Lending Club’s online credit marketplace as platform investors! To celebrate these states, which bring the total number of investor states to 33, we’d like to share some of their most interesting facts. Arkansas Many know Arkansas as “The Natural State,” but do you know why? Both designated in 1967, the diamond is the official state gem and the quartz crystal is the official state rock. In fact, Mount Ida is known as the Quartz Crystal Capital of the World. The Magnet Cove region claims to contain 102 varieties of…
  • Renaud Talks Marketplace Lending on Jo Ann Barefoot’s Podcast

    Lending Club
    24 Jun 2015 | 9:24 am
    This week, CEO Renaud Laplanche joined Jo Ann Barefoot on her podcast, Barefoot Innovation. Renaud and Jo Ann discuss the growth of marketplace lending, financial technology innovation, and Lending Club’s business model. Listen here:  http://www.jsbarefoot.com/podcasts/. The post Renaud Talks Marketplace Lending on Jo Ann Barefoot’s Podcast appeared first on Lending Club Blog.
  • Lending Club Teams Up with Sam’s Club to Deliver Small Business Financing

    Lending Club
    8 Jun 2015 | 12:01 pm
    The Sam’s Club Business Lending Center is now officially open, and we’re thrilled to welcome more small business borrowers to the Lending Club platform through our collaboration! The Sam’s Club Business Lending Center is a simple platform that provides Sam’s Club’s millions of business members access to fast, affordable credit from $5,000 to $350,000.  Through the Business Lending Center, Sam’s Club members will be able to access term loans through Lending Club’s platform, 7(A) SBA Loans through SmartBiz, and revolving credit through the Sam’s Club Business MasterCard. As…
  • New Lending Club TV Commercial Makes its Debut!

    Lending Club
    26 May 2015 | 7:01 am
    Last week we began testing a new TV commercial showcasing personal loans as a responsible and financially smart way to pay off high interest credit cards. Refinancing a card and cutting it up is a good approach to putting one’s finances in order, but it isn’t the most interesting thing to watch in a TV ad – unless the cards themselves bring up spirited emotional reasons for dodging the scissors! In our commercial, we spotlight how one woman is breaking her bad credit card habit and getting her finances in order with Lending Club. The test is running in select local markets, so if you…
  • Lending Club Honored with Entrepreneurial Company of the Year Award from Harvard Business School Association of Northern California

    Lending Club
    15 May 2015 | 10:08 am
    Thanks to the Harvard Business School Association of Northern California for naming us the 37th Annual Entrepreneurial Company of the Year! It’s an honor to receive this award and we appreciate everyone who joined us at yesterday’s dinner to celebrate. At last night’s event, Lending Club board members and early investors in the company Dan Ciporin (general partner at Canaan Partners) and Jeff Crowe (managing partner at Norwest) shared memories of how a disruptive idea grew to become the largest online marketplace connecting borrowers and investors. Renaud joined Mary Meeker, partner at…
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    MintLife Blog | Personal Finance News & Advice

  • Decoding Your Pay Stub [Infographic]

    Mint.com
    29 Jul 2015 | 2:50 pm
    Many Americans are living paycheck to paycheck and struggling to make ends meet. A paycheck has much more information than simply take home pay, and understanding your pay stub is the first step to good money management. Get familiar with what a pay stub means so you can take control of your finances.
  • 8 Easy DIY Car Repairs to Save Big

    Wisebread.com
    24 Jul 2015 | 8:27 am
    One of the monthly expenses many of us forget to include in our budgets is car repair and maintenance. Sure, we put down the price of gas, and maybe an oil change every two or three months, but we forget about most of the ongoing maintenance costs. Cars need regular maintenance over their useful lives, and most of us will pay through the nose to get it performed. But it doesn’t have to be that way. With parts bought online, some simple tools, and a little basic knowledge, many car repairs can be done without visiting a mechanic. I talked to Richard Reina, the Training Director at…
  • Is an FHA Loan Right for You?

    Mint.com
    21 Jul 2015 | 1:17 pm
    Purchasing your first home is one of the most important financial decisions of your life. If you’re currently renting in an expensive housing market, the one thing standing in your way is likely the down payment – easily a six-figure lump sum at the traditional 20%. But what if you could lower the required down payment percentage to as low as 3.5%? Sounds appealing, right? It’s possible with a Federal Housing Administration (FHA) loan, but you should understand all the facts before signing on the dotted line. Making Home Ownership Accessible The FHA loan has been around since 1934, when…
  • Here Comes Baby: How to Financially Prepare for Your Newest Family Member

    Vera Gibbons
    17 Jul 2015 | 1:33 pm
    Women in the U.S. are having more babies – nearly four million last year, according to the Centers for Disease Control and Prevention. In fact, the US has been in a bit of a “baby recession”: 2014 saw the first increase in the US birth rate in seven years! This increase – fueled by women in their 30s and 40s – may come as a surprise to you, but what’s an even bigger surprise is how costly it has become to raise children. Kids are cute, but they sure are expensive! Don’t be caught off guard. Here are a few things that you can do to financially prepare for your little one’s big…
  • Recap: Mint Talks Mobile Design at MobileBeat

    Mint.com
    14 Jul 2015 | 1:48 pm
    On Monday, some of the tech world’s best design minds gathered at VentureBeat’s MobileBeat in San Francisco to discuss mobile design, including Mint’s very own Head of Design Mike Tschudy. Mike was in good company at The Art of Kickass Mobile Design panel joined by Joe Korngiebel, Senior Vice President of User Experience, Workday; Jamie Hull, VP Mobile Products, Evernote; Alex Schleifer, Head of Design, Airbnb; and moderated by Emily Wengert, VP of UX, HUGE. The discussion touched on how designing mobile experiences has evolved dramatically over the past few years and is continuing to…
 
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    Ultimate Money Blog- Save Money and Live Green!

  • Is Home Ownership Worth it?

    Mrs Money
    20 Jul 2015 | 9:46 am
    Recently, we had a large storm come through and it took one of the big trees between our neighbor’s house and ours down.  It landed on the power lines and surprisingly enough, we didn’t lose power.  We called the electric company and they came out to assess the damage and decided that they needed to turn our power off because the tree had ripped our electric meters off our houses.  They also told us that we needed to get an electrician in to repair the electric meters.  Sigh. We got the electric meters repaired and called to have the electricity turned back on.  They told us…
  • Travel Now While You’re Young, or Save and Travel Later?

    Mrs Money
    13 Jul 2015 | 1:28 pm
    Have you seen this quote circulating the internet? I’ve seen quite a few people post it on Facebook and I have mixed feelings about it.  On one hand, I love it because I love to travel and I’d much rather spend money on traveling than crap that will clutter up my house.  On the other hand, I don’t agree with it because I don’t believe in spending money you don’t have or going into debt just to take a vacation.  We’ve been kicking around the idea of traveling to Colorado for a week to visit family but the logistics and money issue has been making us…
  • Diono Pacifica Review

    Mrs Money
    26 Mar 2015 | 11:27 am
    Since Penny was born, we’ve had a few car seats: her infant car seat, and two convertible car seats.  The first convertible we bought Penny she didn’t like because she couldn’t see out the windows.  We bought a new one that sat her higher up and she much preferred that to the old one.  As she grew, it became harder to get her in and out of the car seat due to the high sides.  I grew frustrated of having to lift her in the seat and sometimes almost hit her head on the top of the car!  We started researching and came across the Diono Pacifica, and fell in love.  The…
  • Homemade Stain Remover Recipe

    Mrs Money
    17 Feb 2015 | 1:13 pm
    The other day I ran out of my normal laundry stain remover and had to make some with items I already had on hand. Here’s what I used: -1 part blue Dawn (I used 1/2 cup of the original that I buy at the Dollar Tree. It is the non concentrated but any Dawn will work) -2 parts hydrogen peroxide I put it in my old stain remover bottle, which is dark blue, so that the hydrogen peroxide will still work when I use it on my clothes. You have to keep hydrogen peroxide in dark bottles. I used blue Dawn because it cuts through grease on EVERYTHING, and so far it hasn’t disappointed with…
  • One and Only Child

    Mrs Money
    12 Jan 2015 | 11:01 am
    After the birth of our daughter Penny, I said I wanted at least two more babies.  My thinking was that since we had such a hard time conceiving the first time (we were even considering adoption at one point) surely the second time it would be much easier.  Unfortunately that wasn’t the case.  Last year about this time we decided we would like to try to have another baby.  I met with a new doctor who is a fertility specialist, and she devised a plan to help us get pregnant.  I went through various medications, shots, hormones, ultrasounds, etc. and no progress.  Mr. Money and I…
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    Money Crashers

  • How to Deal With Funeral Costs – Planning Guide & Checklist

    Amy Livingston
    30 Jul 2015 | 11:25 am
    When a loved one has just passed, it seems heartless to think about money. Unfortunately, with the average cost of a funeral at $7,000, according to the National Funeral Directors Association (NFDA), it’s something everyone should consider. In fact, that figure doesn’t include burial costs paid directly to the cemetery, which generally range from $2,000 […] How to Deal With Funeral Costs – Planning Guide & Checklist is a post from the Money Crashers personal finance blog.
  • Stay at Home Mom vs. Working Mom – What’s Right for You?

    Maurie Backman
    28 Jul 2015 | 1:00 pm
    I went back to work full-time just three months after having my first child. Though I knew I’d be losing a significant chunk of my salary to daycare costs, plus a bit more to commuting expenses, the numbers painted a pretty clear picture: Going back to work was the right move financially. However, the decision was […] Stay at Home Mom vs. Working Mom – What’s Right for You? is a post from the Money Crashers personal finance blog.
  • How to Maximize Social Security Spousal Benefits – Rules & Eligibility

    Michael Lewis
    27 Jul 2015 | 9:00 am
    Americans who pay Social Security taxes for at least 40 quarters of employment are entitled to retirement benefits. The amount you receive depends on the taxes you paid and your number of years of enrollment. In addition, spouses are entitled to Social Security payments, which are equal to one-half the benefit earned by a working spouse. Many […] How to Maximize Social Security Spousal Benefits – Rules & Eligibility is a post from the Money Crashers personal finance blog.
  • Buying a New Construction Home – Process, Upgrades & Unexpected Costs

    Maurie Backman
    24 Jul 2015 | 10:00 am
    When my husband and I set out to buy a house, we searched high and low for the perfect home. Unfortunately, the more we looked, the more we came to realize that most of the houses in our target neighborhood just weren’t meeting our needs. Several were too small, many had extremely outdated kitchens and […] Buying a New Construction Home – Process, Upgrades & Unexpected Costs is a post from the Money Crashers personal finance blog.
  • 6 Ways to Protect Yourself From the Effects of Inflation & Loss of Purchasing Power

    Michelle Smith
    23 Jul 2015 | 1:45 pm
    If you knew someone was coming to rob you, what would you do? Shrug off the threat, or take precautions to protect your interests? Unfortunately, inflation robs us all. It’s a silent thief that whittles away the value of our money, making each dollar worth less and less over time. However, it’s also part of […] 6 Ways to Protect Yourself From the Effects of Inflation & Loss of Purchasing Power is a post from the Money Crashers personal finance blog.
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    Mighty Bargain Hunter

  • Cheap school supplies aren’t just for school!

    John Wedding
    28 Jul 2015 | 9:40 pm
    Our local Walmart stores really bring down prices for school supplies in the last weeks of summer.  Maybe yours do too.  Take advantage of this. A few days ago our family was playing Boggle.  (This game was a yard sale find.)  We each have our own single-subject spiral notebook when we play. When my wife said that hers was almost full, I admit my face lit up a bit.  “Ooh ooh … this is the time of year for cheap school supplies at Walmart!!!”  She looked at me and said, “No, we still have a box of them from the first time you bought those notebooks.” A…
  • Speeding through checkout with Walmart discounted gift cards

    John Wedding
    3 Jul 2015 | 3:11 pm
    We’ve been buying discounted gift cards from Cardpool and here’s how we’re making checkout a bit faster … I’m a regular customer of discounted gift card sites.  We do our best to buy and use them safely, and it takes a decent chunk out of our Walmart trips.  (Nothing to retire on, but a decent chunk nonetheless.) Cardpool sells what it calls “printable electronic gift cards” for Walmart and a number of other businesses.  These are good deals for a number of reasons: They are sent by email, often instantly.  I’ve bought printable electronic…
  • Six hacks to get things cheap or free

    John Wedding
    16 Jun 2015 | 11:55 pm
    Are you a money-saving tip collector?  Then you can always use more, right? Here are six hacks that you can add to your bag of tricks to get things cheap, or even free: Turn on the charm.  I know others can play the charm card far better than I can, but I managed to snag a free dessert by phoning in my take-out order while I was standing in a long line at said restaurant. I waved at the cashier after I placed my order, she smiled, and gave me the dessert for free. Say what you’re looking for.  A friend of mine is looking to start up mountain biking. He was looking for a bike rack for…
  • Ten power tips for buying and selling at yard sales

    John Wedding
    6 Jun 2015 | 3:07 pm
    With summer starting up, yard sales are all over the place.  Here are some ways to increase your purchasing power, as well as sell more for whatever good cause. Last weekend was a big one in our area for yard sales.  Our county’s YMCA had a yard sale event with about 25 different tables.  And not one, but two churches had yard sales to raise money for mission trips to Peru.  (This was two completely independent mission trips.) Truth be told, we don’t hit yard sales as much as we used to.  For me, seeing a yard sale used to be like a bell to one of Pavlov’s dogs, and if…
  • Thirty money tips from a decade of Mighty Bargain Hunter

    John Wedding
    26 May 2015 | 7:51 am
    Ten years ago today, I started the blog Mighty Bargain Hunter. (Here’s a link to the first post, which was remarkably content-free.) Since then, I’ve written well over a thousand articles on lots of topics, some common, some not so common.  But below I’ve compiled thirty money tips (each with a linked article, which cover most of the past ten years) that will help you to save money, recognize good deals, and spend your money wisely. Banking Count your change at the teller window when withdrawing coins. As soon as the money leaves the teller’s sight, it’s a hard…
 
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    Liberta

  • What about platinum and palladium?

    Francois Viljoen
    27 Jul 2015 | 4:13 am
    After reading my admittedly depressing economic predictions for the next two years, a reader asked me what I think will happen to the platinum industry, since it is such an important industry for South Africa. Industrial vs Monetary Metals Metals like platinum and palladium are a bit different from gold and silver, because they are […]
  • What will happen between 2015 and 2017?

    Francois Viljoen
    25 Jul 2015 | 2:53 pm
    Since no one knows the future, who can tell someone else what is to come? Ecclesiastes 8:7 A good friend recently asked me to share with him my financial and geopolitical predictions for the next two years. I told him that I gave up making predictions a long time ago, because I’m wrong too often. […]
  • SARB hikes interest rates

    Francois Viljoen
    23 Jul 2015 | 7:32 am
    The South African Reserve Bank’s Monetary Policy Committee just announced a moment ago that they are hiking interest rates by 25 basis points, effective tomorrow, 24 July 2015. They stated the usual concerns of weak economic growth, inflation expectations and keeping up with the Jones’, so to say, in that the US Fed is also […]
  • Bitcoin – the new safe-haven currency of the world?

    Francois Viljoen
    12 Jul 2015 | 9:08 am
    Who would have thunk it? Definitely not me. Over the last few weeks, with the combination of the Greek / Euro-zone crisis unfolding and Chinese stock market in turmoil, I was expecting a flight to the traditional safe-haven assets: Gold and Silver. I was left scratching my head as I saw the spot prices for […]
  • Updated: Budget Planner Excel Spreadsheet

    Francois Viljoen
    26 Jun 2015 | 9:02 am
    Several people asked me to add additional lines to the Expenses section in the Budget Planner Excel Spreadsheet. I finally got around to making the changes. You can download the updated version here.
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    The Finance Buff

  • The Largest 529 Plan And The Power Of Distribution

    Harry Sit
    28 Jul 2015 | 6:51 am
    While looking at 529 plan information, I came across an interesting tidbit. It also tells us something about investing in general. Every state has a 529 plan. Some states have more than one plan. Which state has the largest 529 plans in terms of total assets? Is it California, the state with the largest population? No. Many California residents go elsewhere because there isn’t any state tax benefit for using an in-state plan. California’s plan has less money in it than Alaska’s. Is it New York, the next largest state in population, where taxes are high and residents are…
  • Grandfathered Priceline Rewards Card: 3.33% Rewards On Everything

    Harry Sit
    21 Jul 2015 | 6:44 am
    A few years ago Barclaycard made the Priceline Rewards Visa card best-in-class at that time. It offered 2% rewards on everything, with no annual fee. I got the card. So did many readers. After the rewards were dialed down for new customers, existing cardholders kept the original terms. I still have the card although I haven’t used it much after I got the Bank of America Travel Rewards Visa card that gives 2.625% rewards on everything. Recently Barclaycard enhanced the rewards on the Priceline Rewards card. Grandfathered customers get the enhancements too. The foreign transaction fee is…
  • What Does Vanguard Mean By "Employee Conversion"?

    Harry Sit
    14 Jul 2015 | 6:43 am
    When I was getting my records organized, I saw this on the Vanguard trade confirmation for converting from my traditional IRA to my Roth IRA. I am an employee somewhere, but my employer doesn’t have its plan at Vanguard. Regardless, what anything does employee or not have to do with converting from a traditional IRA to a Roth IRA? If I’m no longer an employee, would I still get an “Employee conversion”? Vanguard is just testing to see if you are paying attention. Somebody at some point thought that should be the proper description for this transaction. That somebody…
  • Mint Interview: My Not-So-Secret Secret

    Harry Sit
    8 Jul 2015 | 6:55 am
    I did an interview with personal finance site mint.com last December about investing: Expert Interview with Harry Sit on Investing for Mint. They told me it had the highest pageviews among all interviews in that round. Thank you for that. They invited me for a second interview. This time the questions were more about retirement. Retiring in Your 40s with Harry Sit If my secret strategy seems too obvious, I just don’t know a better way. Please let me know what you think. Thank you as always. See All Your Accounts In One Place Track your net worth, asset allocation, and portfolio…
  • Rollover a 529 Account From One Plan To Another

    Harry Sit
    7 Jul 2015 | 6:48 am
    A reader alerted me that the interest rate on Virginia’s CollegeWealth 529 plan invested in a BB&T savings account had been lowered from 2.25% to 1.00%. The other bank in the same plan Union Bank & Trust also lowered the rate to 1.5% over $10k. I decided to rollover my account from the Virginia plan to the Colorado CollegeInvest Stable Value Plus Plan, where money invested in a MetLife stable value fund earns 3.09% guaranteed through the end of 2015. Read more in Colorado Stable Value Plus 529 Plan: 3.09% Return Guaranteed In 2015. The rollover process was very simple. Rollover…
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    Maximizing Money

  • HomeTrust Bank $25 Referral Bonus and $60 Per Year Checking Rewards

    Max Messner
    29 Jul 2015 | 6:12 pm
    HomeTrust Bank offers current members up to $575 in referral rewards per year, plus new members can earn a $25 bonus, and you can earn up to $60 in cash each year with checking account rewards. HomeTrust Bank has branches in North Carolina, South Carolina, Tennessee, and Virginia. The post HomeTrust Bank $25 Referral Bonus and $60 Per Year Checking Rewards appeared first on Maximizing Money.
  • Discover it Card Double All Cash Back Your First Year – Extended to September 30, 2015

    Max Messner
    29 Jul 2015 | 12:15 pm
    The Discover it Credit Card is offering Double All Cash Back Your First Year, and it's available for all new card members who apply by September 30, 2015 (extended from July 31st). The post Discover it Card Double All Cash Back Your First Year – Extended to September 30, 2015 appeared first on Maximizing Money.
  • Changes to Barclaycard Arrival Plus Rewards Program – Effective November 17, 2015

    Max Messner
    29 Jul 2015 | 12:11 pm
    Barclaycard sent me a notification about some upcoming changes to the Barclaycard Arrival Plus MasterCard Rewards Program rules. The post Changes to Barclaycard Arrival Plus Rewards Program – Effective November 17, 2015 appeared first on Maximizing Money.
  • BMO Harris Bank $200 Personal Checking Bonus

    Max Messner
    28 Jul 2015 | 1:05 pm
    BMO Harris Bank is offering $200 (increased from $150) in personal checking account bonuses when you set up a direct deposit, valid through January 22, 2016. BMO Harris has more than 600 branches throughout Illinois, Indiana, Arizona, Missouri, Minnesota, Kansas, Nevada, Florida, Washington, and Wisconsin. Check out these BMO Harris Bank Checking Account Bonuses for more details. Review the rest of our Bank Account Promotions for more national banking bonuses. The post BMO Harris Bank $200 Personal Checking Bonus appeared first on Maximizing Money.
  • CoinRebates Bitcoin Cash Back Shopping Network

    Max Messner
    28 Jul 2015 | 12:56 pm
    CoinRebates is a cash back shopping rebate network that pays you in Bitcoin. By shopping through CoinRebates, you earn Bitcoin rewards for every $1 that you spend. The post CoinRebates Bitcoin Cash Back Shopping Network appeared first on Maximizing Money.
 
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    Abacus Wealth Partners

  • Investment Committee Commentary Q3 2015

    The 2015 Abacus Investment Committee
    24 Jul 2015 | 5:35 am
    Note from Our CIO: Greece and China By now most of you have heard news about the financial crisis in Greece, also referred to as the “Grexit,” the potential exit of Greece from the European Union, and some of you have heard about significant drops in stock prices in China. Therefore, I want to make sure everyone understands how we are managing your money through these crises. Read more » Investment Committee Decisions: Q3 2015 The Investment Committee reduced the minimum investment into Versus Real Estate Fund (VCMIX) from $50,000 to $25,000. Up to 50% of real estate target will be…
  • Impact Investment Profile: Johnson Controls

    The 2015 Abacus Investment Committee
    24 Jul 2015 | 5:02 am
    Johnson Controls, a portfolio company of DFA US Sustainable Core Equity Fund, is the company responsible for retrofitting an icon of the New York skyline that stands over 100 stories tall, is over 80 years old and has been called one of the Seven Wonders of the modern worldthe Empire State Building. The project has been so successful that the Empire State Building has saved over $7.5 million in energy costs since the retrofit, and has consistently exceeded annual energy use reduction goals. In the United States, 40% of our energy is used by buildings. That number is even higher in dense urban…
  • Done by 60: Less House, More Experiences

    Barrett Porter
    23 Jul 2015 | 2:01 pm
    The tiny house movement is sweeping the nation. While, according to Wikipedia, the average size of a new house grew from 1,780 square feet in 1978 to 2,662 in 2013, some people are focusing on “tiny houses,” which are less than 1,000 square feet. So what gives? Are these people finally realizing that experiences make people happier than “stuff”? Perhaps people are consciously prioritizing what they most value in their lives and choosing to live more simply in order to have it. A tiny home, however, would be unrealistic as a primary residence for most people I know. For those of you…
  • 2nd Quarter Market Review: The Seven Roles of an Advisor

    The 2015 Abacus Investment Committee
    20 Jul 2015 | 2:54 pm
    What is a financial advisor for? One view is that advisors have unique insights into market direction that give their clients an advantage. But of the many roles a professional advisor should play, soothsayer is not one of them. The truth is that no one knows what will happen next in investment markets. And if anyone really did have a working crystal ball, it is unlikely they would be plying their trade as an advisor, broker, analyst or financial journalist. Some folks may still think an advisor’s role is to deliver market-beating returns year after year. Generally, those are the same…
  • Investment Committee Decisions: Q3 2015

    The 2015 Abacus Investment Committee
    20 Jul 2015 | 2:49 pm
    The Investment Committee reduced the minimum investment into Versus Real Estate Fund (VCMIX) from $50,000 to $25,000. Up to 50% of our real estate target will be invested in Versus. Versus is unique in that it provides investors with access to both global private and global public real estate equity and debt through a diverse group of institutional managers while providing quarterly liquidity. Versus focuses on investment managers who have a commitment to property stewardship compatible with providing property and property-related services that enhance productivity and the overall…
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  • State Won't Let Stores Open on Nov. 22

    30 Jul 2015 | 11:43 am
    State Won't Let Stores Open on Nov. 22WMTW Most people flock to stores on Thanksgiving for last-minute items or pre-Black Friday steals -- but one state's law doesn't allow that.Where big box stores will be closed In Case You Missed ItSchool Bus Driver's Terrifying Close CallShocking Thing Opens Up in Man's LawnOfficial 'Disgusted' by What Happened to Car
  • General's Emails More Than 'Flirtatious'

    30 Jul 2015 | 11:43 am
    General's Emails More Than 'Flirtatious'APGen. John Allen, the top US commander in Afghanistan, exchanged countless emails with a woman at the heart of the Petraeus scandal.Source reveals explicit messagesMore NewsPlane Crashes Into Mississippi HomeWashington Post Editor Steps DownHusband Finds Teacher in Act With Boy
  • Reason This Ad Is Making Waves

    30 Jul 2015 | 11:43 am
    Reason This Ad Is Making Waves Marks & SpencerIt looks like any other holiday clothing ad for kids, but something about this one is different -- and it's not an accident.How a Facebook post started it allMore StoriesPreterm Birth Rate Drops to New LowPossible Risk Factor for Autism Found?Stranger I Wish I'd Stopped to Talk With
  • Soap Star Says Goodbye After 25 Years

    30 Jul 2015 | 11:43 am
    Soap Star Says Goodbye After 25 YearsCBSSusan Flannery left 'The Bold and the Beautiful' after two and a half decades -- and she's not the only star with a very long TV tenure.Actress who spent 41 years on her showMore to See'X Factor' Singer Says Sexuality Was a RiskActress Opened Up About Bipolar DisorderStreisand's Son Sings for Gay-Friendly Film
  • Take a Look at Where JFK Was Born

    30 Jul 2015 | 11:43 am
    Take a Look at Where JFK Was BornNational Park ServiceYou'll find the late president's very first belongings inside this New England home -- which is being opened to the public for the first time.Famous items the living room is 'filled with'More to SeeStar Has Rose Named After HerCommon Heating Mistake Could Cost YouThe Best Pillow for Your Sleep Style
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  • State Won't Let Stores Open on Nov. 22

    30 Jul 2015 | 11:43 am
    State Won't Let Stores Open on Nov. 22WMTW Most people flock to stores on Thanksgiving for last-minute items or pre-Black Friday steals -- but one state's law doesn't allow that.Where big box stores will be closed In Case You Missed ItSchool Bus Driver's Terrifying Close CallShocking Thing Opens Up in Man's LawnOfficial 'Disgusted' by What Happened to Car
  • General's Emails More Than 'Flirtatious'

    30 Jul 2015 | 11:43 am
    General's Emails More Than 'Flirtatious'APGen. John Allen, the top US commander in Afghanistan, exchanged countless emails with a woman at the heart of the Petraeus scandal.Source reveals explicit messagesMore NewsPlane Crashes Into Mississippi HomeWashington Post Editor Steps DownHusband Finds Teacher in Act With Boy
  • Reason This Ad Is Making Waves

    30 Jul 2015 | 11:43 am
    Reason This Ad Is Making Waves Marks & SpencerIt looks like any other holiday clothing ad for kids, but something about this one is different -- and it's not an accident.How a Facebook post started it allMore StoriesPreterm Birth Rate Drops to New LowPossible Risk Factor for Autism Found?Stranger I Wish I'd Stopped to Talk With
  • Soap Star Says Goodbye After 25 Years

    30 Jul 2015 | 11:43 am
    Soap Star Says Goodbye After 25 YearsCBSSusan Flannery left 'The Bold and the Beautiful' after two and a half decades -- and she's not the only star with a very long TV tenure.Actress who spent 41 years on her showMore to See'X Factor' Singer Says Sexuality Was a RiskActress Opened Up About Bipolar DisorderStreisand's Son Sings for Gay-Friendly Film
  • Take a Look at Where JFK Was Born

    30 Jul 2015 | 11:43 am
    Take a Look at Where JFK Was BornNational Park ServiceYou'll find the late president's very first belongings inside this New England home -- which is being opened to the public for the first time.Famous items the living room is 'filled with'More to SeeStar Has Rose Named After HerCommon Heating Mistake Could Cost YouThe Best Pillow for Your Sleep Style
 
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  • State Won't Let Stores Open on Nov. 22

    30 Jul 2015 | 11:43 am
    State Won't Let Stores Open on Nov. 22WMTW Most people flock to stores on Thanksgiving for last-minute items or pre-Black Friday steals -- but one state's law doesn't allow that.Where big box stores will be closed In Case You Missed ItSchool Bus Driver's Terrifying Close CallShocking Thing Opens Up in Man's LawnOfficial 'Disgusted' by What Happened to Car
  • General's Emails More Than 'Flirtatious'

    30 Jul 2015 | 11:43 am
    General's Emails More Than 'Flirtatious'APGen. John Allen, the top US commander in Afghanistan, exchanged countless emails with a woman at the heart of the Petraeus scandal.Source reveals explicit messagesMore NewsPlane Crashes Into Mississippi HomeWashington Post Editor Steps DownHusband Finds Teacher in Act With Boy
  • Reason This Ad Is Making Waves

    30 Jul 2015 | 11:43 am
    Reason This Ad Is Making Waves Marks & SpencerIt looks like any other holiday clothing ad for kids, but something about this one is different -- and it's not an accident.How a Facebook post started it allMore StoriesPreterm Birth Rate Drops to New LowPossible Risk Factor for Autism Found?Stranger I Wish I'd Stopped to Talk With
  • Soap Star Says Goodbye After 25 Years

    30 Jul 2015 | 11:43 am
    Soap Star Says Goodbye After 25 YearsCBSSusan Flannery left 'The Bold and the Beautiful' after two and a half decades -- and she's not the only star with a very long TV tenure.Actress who spent 41 years on her showMore to See'X Factor' Singer Says Sexuality Was a RiskActress Opened Up About Bipolar DisorderStreisand's Son Sings for Gay-Friendly Film
  • Take a Look at Where JFK Was Born

    30 Jul 2015 | 11:43 am
    Take a Look at Where JFK Was BornNational Park ServiceYou'll find the late president's very first belongings inside this New England home -- which is being opened to the public for the first time.Famous items the living room is 'filled with'More to SeeStar Has Rose Named After HerCommon Heating Mistake Could Cost YouThe Best Pillow for Your Sleep Style
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  • State Won't Let Stores Open on Nov. 22

    30 Jul 2015 | 11:43 am
    State Won't Let Stores Open on Nov. 22WMTW Most people flock to stores on Thanksgiving for last-minute items or pre-Black Friday steals -- but one state's law doesn't allow that.Where big box stores will be closed In Case You Missed ItSchool Bus Driver's Terrifying Close CallShocking Thing Opens Up in Man's LawnOfficial 'Disgusted' by What Happened to Car
  • General's Emails More Than 'Flirtatious'

    30 Jul 2015 | 11:43 am
    General's Emails More Than 'Flirtatious'APGen. John Allen, the top US commander in Afghanistan, exchanged countless emails with a woman at the heart of the Petraeus scandal.Source reveals explicit messagesMore NewsPlane Crashes Into Mississippi HomeWashington Post Editor Steps DownHusband Finds Teacher in Act With Boy
  • Reason This Ad Is Making Waves

    30 Jul 2015 | 11:43 am
    Reason This Ad Is Making Waves Marks & SpencerIt looks like any other holiday clothing ad for kids, but something about this one is different -- and it's not an accident.How a Facebook post started it allMore StoriesPreterm Birth Rate Drops to New LowPossible Risk Factor for Autism Found?Stranger I Wish I'd Stopped to Talk With
  • Soap Star Says Goodbye After 25 Years

    30 Jul 2015 | 11:43 am
    Soap Star Says Goodbye After 25 YearsCBSSusan Flannery left 'The Bold and the Beautiful' after two and a half decades -- and she's not the only star with a very long TV tenure.Actress who spent 41 years on her showMore to See'X Factor' Singer Says Sexuality Was a RiskActress Opened Up About Bipolar DisorderStreisand's Son Sings for Gay-Friendly Film
  • Take a Look at Where JFK Was Born

    30 Jul 2015 | 11:43 am
    Take a Look at Where JFK Was BornNational Park ServiceYou'll find the late president's very first belongings inside this New England home -- which is being opened to the public for the first time.Famous items the living room is 'filled with'More to SeeStar Has Rose Named After HerCommon Heating Mistake Could Cost YouThe Best Pillow for Your Sleep Style
  • add this feed to my.Alltop

  • State Won't Let Stores Open on Nov. 22

    30 Jul 2015 | 11:43 am
    State Won't Let Stores Open on Nov. 22WMTW Most people flock to stores on Thanksgiving for last-minute items or pre-Black Friday steals -- but one state's law doesn't allow that.Where big box stores will be closed In Case You Missed ItSchool Bus Driver's Terrifying Close CallShocking Thing Opens Up in Man's LawnOfficial 'Disgusted' by What Happened to Car
  • General's Emails More Than 'Flirtatious'

    30 Jul 2015 | 11:43 am
    General's Emails More Than 'Flirtatious'APGen. John Allen, the top US commander in Afghanistan, exchanged countless emails with a woman at the heart of the Petraeus scandal.Source reveals explicit messagesMore NewsPlane Crashes Into Mississippi HomeWashington Post Editor Steps DownHusband Finds Teacher in Act With Boy
  • Reason This Ad Is Making Waves

    30 Jul 2015 | 11:43 am
    Reason This Ad Is Making Waves Marks & SpencerIt looks like any other holiday clothing ad for kids, but something about this one is different -- and it's not an accident.How a Facebook post started it allMore StoriesPreterm Birth Rate Drops to New LowPossible Risk Factor for Autism Found?Stranger I Wish I'd Stopped to Talk With
  • Soap Star Says Goodbye After 25 Years

    30 Jul 2015 | 11:43 am
    Soap Star Says Goodbye After 25 YearsCBSSusan Flannery left 'The Bold and the Beautiful' after two and a half decades -- and she's not the only star with a very long TV tenure.Actress who spent 41 years on her showMore to See'X Factor' Singer Says Sexuality Was a RiskActress Opened Up About Bipolar DisorderStreisand's Son Sings for Gay-Friendly Film
  • Take a Look at Where JFK Was Born

    30 Jul 2015 | 11:43 am
    Take a Look at Where JFK Was BornNational Park ServiceYou'll find the late president's very first belongings inside this New England home -- which is being opened to the public for the first time.Famous items the living room is 'filled with'More to SeeStar Has Rose Named After HerCommon Heating Mistake Could Cost YouThe Best Pillow for Your Sleep Style
 
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  • State Won't Let Stores Open on Nov. 22

    30 Jul 2015 | 11:43 am
    State Won't Let Stores Open on Nov. 22WMTW Most people flock to stores on Thanksgiving for last-minute items or pre-Black Friday steals -- but one state's law doesn't allow that.Where big box stores will be closed In Case You Missed ItSchool Bus Driver's Terrifying Close CallShocking Thing Opens Up in Man's LawnOfficial 'Disgusted' by What Happened to Car
  • General's Emails More Than 'Flirtatious'

    30 Jul 2015 | 11:43 am
    General's Emails More Than 'Flirtatious'APGen. John Allen, the top US commander in Afghanistan, exchanged countless emails with a woman at the heart of the Petraeus scandal.Source reveals explicit messagesMore NewsPlane Crashes Into Mississippi HomeWashington Post Editor Steps DownHusband Finds Teacher in Act With Boy
  • Reason This Ad Is Making Waves

    30 Jul 2015 | 11:43 am
    Reason This Ad Is Making Waves Marks & SpencerIt looks like any other holiday clothing ad for kids, but something about this one is different -- and it's not an accident.How a Facebook post started it allMore StoriesPreterm Birth Rate Drops to New LowPossible Risk Factor for Autism Found?Stranger I Wish I'd Stopped to Talk With
  • Soap Star Says Goodbye After 25 Years

    30 Jul 2015 | 11:43 am
    Soap Star Says Goodbye After 25 YearsCBSSusan Flannery left 'The Bold and the Beautiful' after two and a half decades -- and she's not the only star with a very long TV tenure.Actress who spent 41 years on her showMore to See'X Factor' Singer Says Sexuality Was a RiskActress Opened Up About Bipolar DisorderStreisand's Son Sings for Gay-Friendly Film
  • Take a Look at Where JFK Was Born

    30 Jul 2015 | 11:43 am
    Take a Look at Where JFK Was BornNational Park ServiceYou'll find the late president's very first belongings inside this New England home -- which is being opened to the public for the first time.Famous items the living room is 'filled with'More to SeeStar Has Rose Named After HerCommon Heating Mistake Could Cost YouThe Best Pillow for Your Sleep Style
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  • State Won't Let Stores Open on Nov. 22

    30 Jul 2015 | 11:43 am
    State Won't Let Stores Open on Nov. 22WMTW Most people flock to stores on Thanksgiving for last-minute items or pre-Black Friday steals -- but one state's law doesn't allow that.Where big box stores will be closed In Case You Missed ItSchool Bus Driver's Terrifying Close CallShocking Thing Opens Up in Man's LawnOfficial 'Disgusted' by What Happened to Car
  • General's Emails More Than 'Flirtatious'

    30 Jul 2015 | 11:43 am
    General's Emails More Than 'Flirtatious'APGen. John Allen, the top US commander in Afghanistan, exchanged countless emails with a woman at the heart of the Petraeus scandal.Source reveals explicit messagesMore NewsPlane Crashes Into Mississippi HomeWashington Post Editor Steps DownHusband Finds Teacher in Act With Boy
  • Reason This Ad Is Making Waves

    30 Jul 2015 | 11:43 am
    Reason This Ad Is Making Waves Marks & SpencerIt looks like any other holiday clothing ad for kids, but something about this one is different -- and it's not an accident.How a Facebook post started it allMore StoriesPreterm Birth Rate Drops to New LowPossible Risk Factor for Autism Found?Stranger I Wish I'd Stopped to Talk With
  • Soap Star Says Goodbye After 25 Years

    30 Jul 2015 | 11:43 am
    Soap Star Says Goodbye After 25 YearsCBSSusan Flannery left 'The Bold and the Beautiful' after two and a half decades -- and she's not the only star with a very long TV tenure.Actress who spent 41 years on her showMore to See'X Factor' Singer Says Sexuality Was a RiskActress Opened Up About Bipolar DisorderStreisand's Son Sings for Gay-Friendly Film
  • Take a Look at Where JFK Was Born

    30 Jul 2015 | 11:43 am
    Take a Look at Where JFK Was BornNational Park ServiceYou'll find the late president's very first belongings inside this New England home -- which is being opened to the public for the first time.Famous items the living room is 'filled with'More to SeeStar Has Rose Named After HerCommon Heating Mistake Could Cost YouThe Best Pillow for Your Sleep Style
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  • State Won't Let Stores Open on Nov. 22

    30 Jul 2015 | 11:43 am
    State Won't Let Stores Open on Nov. 22WMTW Most people flock to stores on Thanksgiving for last-minute items or pre-Black Friday steals -- but one state's law doesn't allow that.Where big box stores will be closed In Case You Missed ItSchool Bus Driver's Terrifying Close CallShocking Thing Opens Up in Man's LawnOfficial 'Disgusted' by What Happened to Car
  • General's Emails More Than 'Flirtatious'

    30 Jul 2015 | 11:43 am
    General's Emails More Than 'Flirtatious'APGen. John Allen, the top US commander in Afghanistan, exchanged countless emails with a woman at the heart of the Petraeus scandal.Source reveals explicit messagesMore NewsPlane Crashes Into Mississippi HomeWashington Post Editor Steps DownHusband Finds Teacher in Act With Boy
  • Reason This Ad Is Making Waves

    30 Jul 2015 | 11:43 am
    Reason This Ad Is Making Waves Marks & SpencerIt looks like any other holiday clothing ad for kids, but something about this one is different -- and it's not an accident.How a Facebook post started it allMore StoriesPreterm Birth Rate Drops to New LowPossible Risk Factor for Autism Found?Stranger I Wish I'd Stopped to Talk With
  • Soap Star Says Goodbye After 25 Years

    30 Jul 2015 | 11:43 am
    Soap Star Says Goodbye After 25 YearsCBSSusan Flannery left 'The Bold and the Beautiful' after two and a half decades -- and she's not the only star with a very long TV tenure.Actress who spent 41 years on her showMore to See'X Factor' Singer Says Sexuality Was a RiskActress Opened Up About Bipolar DisorderStreisand's Son Sings for Gay-Friendly Film
  • Take a Look at Where JFK Was Born

    30 Jul 2015 | 11:43 am
    Take a Look at Where JFK Was BornNational Park ServiceYou'll find the late president's very first belongings inside this New England home -- which is being opened to the public for the first time.Famous items the living room is 'filled with'More to SeeStar Has Rose Named After HerCommon Heating Mistake Could Cost YouThe Best Pillow for Your Sleep Style
 
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  • State Won't Let Stores Open on Nov. 22

    30 Jul 2015 | 11:43 am
    State Won't Let Stores Open on Nov. 22WMTW Most people flock to stores on Thanksgiving for last-minute items or pre-Black Friday steals -- but one state's law doesn't allow that.Where big box stores will be closed In Case You Missed ItSchool Bus Driver's Terrifying Close CallShocking Thing Opens Up in Man's LawnOfficial 'Disgusted' by What Happened to Car
  • General's Emails More Than 'Flirtatious'

    30 Jul 2015 | 11:43 am
    General's Emails More Than 'Flirtatious'APGen. John Allen, the top US commander in Afghanistan, exchanged countless emails with a woman at the heart of the Petraeus scandal.Source reveals explicit messagesMore NewsPlane Crashes Into Mississippi HomeWashington Post Editor Steps DownHusband Finds Teacher in Act With Boy
  • Reason This Ad Is Making Waves

    30 Jul 2015 | 11:43 am
    Reason This Ad Is Making Waves Marks & SpencerIt looks like any other holiday clothing ad for kids, but something about this one is different -- and it's not an accident.How a Facebook post started it allMore StoriesPreterm Birth Rate Drops to New LowPossible Risk Factor for Autism Found?Stranger I Wish I'd Stopped to Talk With
  • Soap Star Says Goodbye After 25 Years

    30 Jul 2015 | 11:43 am
    Soap Star Says Goodbye After 25 YearsCBSSusan Flannery left 'The Bold and the Beautiful' after two and a half decades -- and she's not the only star with a very long TV tenure.Actress who spent 41 years on her showMore to See'X Factor' Singer Says Sexuality Was a RiskActress Opened Up About Bipolar DisorderStreisand's Son Sings for Gay-Friendly Film
  • Take a Look at Where JFK Was Born

    30 Jul 2015 | 11:43 am
    Take a Look at Where JFK Was BornNational Park ServiceYou'll find the late president's very first belongings inside this New England home -- which is being opened to the public for the first time.Famous items the living room is 'filled with'More to SeeStar Has Rose Named After HerCommon Heating Mistake Could Cost YouThe Best Pillow for Your Sleep Style
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  • State Won't Let Stores Open on Nov. 22

    30 Jul 2015 | 11:43 am
    State Won't Let Stores Open on Nov. 22WMTW Most people flock to stores on Thanksgiving for last-minute items or pre-Black Friday steals -- but one state's law doesn't allow that.Where big box stores will be closed In Case You Missed ItSchool Bus Driver's Terrifying Close CallShocking Thing Opens Up in Man's LawnOfficial 'Disgusted' by What Happened to Car
  • General's Emails More Than 'Flirtatious'

    30 Jul 2015 | 11:43 am
    General's Emails More Than 'Flirtatious'APGen. John Allen, the top US commander in Afghanistan, exchanged countless emails with a woman at the heart of the Petraeus scandal.Source reveals explicit messagesMore NewsPlane Crashes Into Mississippi HomeWashington Post Editor Steps DownHusband Finds Teacher in Act With Boy
  • Reason This Ad Is Making Waves

    30 Jul 2015 | 11:43 am
    Reason This Ad Is Making Waves Marks & SpencerIt looks like any other holiday clothing ad for kids, but something about this one is different -- and it's not an accident.How a Facebook post started it allMore StoriesPreterm Birth Rate Drops to New LowPossible Risk Factor for Autism Found?Stranger I Wish I'd Stopped to Talk With
  • Soap Star Says Goodbye After 25 Years

    30 Jul 2015 | 11:43 am
    Soap Star Says Goodbye After 25 YearsCBSSusan Flannery left 'The Bold and the Beautiful' after two and a half decades -- and she's not the only star with a very long TV tenure.Actress who spent 41 years on her showMore to See'X Factor' Singer Says Sexuality Was a RiskActress Opened Up About Bipolar DisorderStreisand's Son Sings for Gay-Friendly Film
  • Take a Look at Where JFK Was Born

    30 Jul 2015 | 11:43 am
    Take a Look at Where JFK Was BornNational Park ServiceYou'll find the late president's very first belongings inside this New England home -- which is being opened to the public for the first time.Famous items the living room is 'filled with'More to SeeStar Has Rose Named After HerCommon Heating Mistake Could Cost YouThe Best Pillow for Your Sleep Style
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    Bible Money Matters

  • Should You Learn The DIY Skills Previous Generations Learned?

    Melissa
    27 Jul 2015 | 11:45 am
    In our dual income society, many of the DIY skills older generations learned have disappeared. We’re used to outsourcing everything. But should we? The post Should You Learn The DIY Skills Previous Generations Learned? appeared first on Bible Money Matters and was written by Melissa. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • My Digit And WiseBanyan Experiment Update: Automated Saving & Investing Trial

    Peter Anderson
    20 Jul 2015 | 10:21 am
    I opened free accounts with Digit and WiseBanyan to see how much an automated saving and investing plan could lead to. How's it going so far, 6 months in? The post My Digit And WiseBanyan Experiment Update: Automated Saving & Investing Trial appeared first on Bible Money Matters and was written by Peter Anderson. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • Republic Wireless Now Refunds Money For Cell Data You Don’t Use

    Peter Anderson
    17 Jul 2015 | 9:08 am
    Republic Wireless just added new cell phone calling plans that refund money to users who don't use their full allotment of mobile data. Here's how it works. The post Republic Wireless Now Refunds Money For Cell Data You Don’t Use appeared first on Bible Money Matters and was written by Peter Anderson. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • Counting The Cost Is The Key To Finishing Well

    Brian
    16 Jul 2015 | 3:57 am
    No one begins a project with the expressed desire it will fail. Our intentions are always to finish what we start and do so with excellence. Our lives gain value when we see something through to the end. Finishing is huge for our psyche. Unfortunately, we don’t start at the finish and instantaneously get that […] The post Counting The Cost Is The Key To Finishing Well appeared first on Bible Money Matters and was written by Brian. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • Famous Musician Bankruptcies: From Millions To Broke – 50 Cent

    Peter Anderson
    14 Jul 2015 | 7:39 am
    There are a lot of famous music artists who have filed bankruptcy. Today we learned of another one, 50 Cent. Here's what went wrong for Fitty. The post Famous Musician Bankruptcies: From Millions To Broke – 50 Cent appeared first on Bible Money Matters and was written by Peter Anderson. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
 
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    Christian Personal Finance

  • Best Financial Books for under $1

    Bob
    15 Jul 2015 | 7:38 am
    One of the great things about Amazon.com is that since they have a reseller program, the most popular books often are sold (used) for very cheap. In the case of this article, I picked out five of the best personal finance books out there that you can get for less than a buck. I wouldn’t say that these are necessarily the five best financial books written, but they are all very popular and have proved themselves to be worth something – even if it is only a buck! Just a quick disclaimer, at the time of this writing you could buy any of these books used on Amazon for under a buck.
  • 5 Bible Verses about Money Every Christian Should Know

    Bob
    10 Jul 2015 | 7:05 am
    Let me start by saying that it was difficult to create this list. Think about it, I am trying to pick the best verses from the Bible about a particular topic. Are there really best verses, or are there just those that have impacted us more than others? I tend to think the latter. So, this list is just that. These are the 5 verses that, even as I just scratch the surface of understanding them, have revolutionized my financial life. Each one of them has had a strong impact on many decisions in my life. I hope you allow them to impact you as well. FREE PDF Download! If you would like to download…
  • My Interview with a millionaire

    Bob
    27 Jun 2015 | 8:44 am
    I originally wrote this in 2008, but the key lessons still stand – so enjoy! I believe that success in life is rarely a case of luck, but rather a matter of cause and effect. If you do A and B you will get C. In most cases if you just do what others have done to get a desired effect you will get the same. So, if you want to learn how to build a chair, you should go ask a chair-maker how he does it. If you want to learn how to become a millionaire, you should ask a millionaire how they did it. It was learning this lesson that led me to seek out an interview with Bill. He was a friend of…
  • How to negotiate with credit card companies

    Bob
    19 Jun 2015 | 6:10 am
    A few years ago, when I had over $15,000 of credit card debt, I was often negotiating with credit card companies to get better interest rates. I took a very active approach toward minimizing my interest expense on my debt and learning to negotiate with credit card companies was a key component. Like I mentioned yesterday I am a big fan of the debt snowball method for getting out of debt and you actually can use this as another tool to speed up the debt reduction process.   The steps to bargaining with your credit card company These are the steps that I actually took when I was trying to…
  • 15 Creative Ways to Decorate Your Home for Free

    Dawn
    9 Jun 2015 | 2:13 pm
    I love to decorate my home. For me it is like having sprinkles on my cupcake. I even like changing things up a bit from time to time. Especially for all the Holidays and with each new Season. Decorations just set my mood and a tone for our home. Do you like to decorate? I admit that sometimes I get a bit out of hand with it and need to find a more frugal way to decorate. I have been scouring Pinterest for some awesome ways to not only decorate my home but to do so on the cheap. Free to be exact! That’s right, I said FREE! You will love to see my findings as you get new ideas to decorate…
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    PT Money

  • 10 Ways to Use “the Internets” to Save Money Online

    Emily Guy Birken
    27 Jul 2015 | 9:45 am
    Shopping is much different these days than it was even twenty years ago. With information, reviews, and price comparisons on any product you can imagine available 24/7, it now takes very little effort to be a savvy consumer and make sure you get the biggest bang for your buck. However, you may be unaware of other ways the Internet has made 21st century shopping, entertainment, dining, and banking cheaper for all of us. Here are ten ways you can use “the Internets” to save money online and help your bottom line: 1. Get coupons and discounts online. We’ve all heard of Groupon and…
  • Strategically Pay Down Your High-Interest Credit Card Debt with Payoff.com

    Jason Price
    24 Jul 2015 | 5:30 am
    We all know that paying the minimum balances on credit cards doesn’t work if you’re trying to get out of debt. As an example using Bankrate.com’s credit card minimum payment calculator, a $5,000 credit card balance at 18% interest and making a $125 (2.5%) monthly minimum payment, would take 272 months to be rid of your debt and cost you $6,923.14 in interest! Credit card debt is a serious situation. Especially when juggling more than one card and when your budget is only allowing for minimum payments. Sure, you can squeeze your budget, cut costs, and work extra. This should all be done…
  • 5 Ways to Organize Your Life and Save Money

    Emily Guy Birken
    21 Jul 2015 | 9:00 am
    I hate to admit it, but I am organizationally challenged. My home is littered with doubles of items I’ve bought when I could not find the original. My living room often looks like who-did-it-and-ran, which is only partially the fault of the resident rugrats. I’ve even been known to misplace checks for months at a time in the pile of stuff on my desk. After years of failed resolutions, I’ve come to realize that organization is a habit, and that there is no particular product I can buy that will make me organized—much as I love shopping at the Container Store. Ready to learn how to…
  • 9 Surprisingly Big Benefits of a Smaller Home

    Emily Guy Birken
    14 Jul 2015 | 10:00 am
    It’s hardly news that downsizing your home will save you money. In addition to the lowered mortgage payment and taxes, you’ll also spend less on utilities and maintenance. But living in a smaller house isn’t just a smart financial decision. Deciding to downsize can also improve your quality of life. Here are five nine ways that living in a small house has made my life better: 1. You Have Less to Clean I’m not known for my housekeeping abilities, but living in a 1,400 square foot house means my lack of a clean gene doesn’t show so much. I grew up in a 2,500 square foot house, and…
  • Capital One 360 Summer Bonus – Up to $500 for New Savings Accounts!

    Michael Pruser
    9 Jul 2015 | 1:11 pm
    Remember when interest rates on savings accounts were comfortably sitting at 5%?  Well those days are long gone and if you’re putting money into an online savings account, you have to find creative ways to maximize your return.  Lucky for everyone, Capital One 360 is making that task a little easier this summer, offering up to a $500 bonus for new Capital One 360 Savings accounts. From now until September 30th, 2015, new account holders will be able to earn up to a $500 bonus when opening a Capital One 360 Savings account.  (If you’ve had a Savings product with Capital One 360 or…
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    RetirementRevised

  • How the new fiduciary rules will affect rollovers

    Mark Miller
    29 Jul 2015 | 12:02 pm
    The fiduciary fight isn’t over yet—but we’re getting close. Barring an unexpected upset, the U.S. Department of Labor soon will finalize regulations redefining the term “fiduciary” for purposes of the advice clients get from financial advisors. These long-overdue reforms have been debated to death, and despite the short-term disruption, they’ll be good for the standards and professionalism of the advisory business in the long haul. A standard that requires advisors to act in the best interest of clients is especially critical in light of the retirement challenges facing so many…
  • White House Conference on Aging: A recap

    Mark Miller
    24 Jul 2015 | 6:21 am
    (Reuters) – When presidents call Americans together to talk about aging, major change is possible. The first White House Conference on Aging in 1961 played a midwife’s role in the birth of Medicare; the 1971 conference led to creation of the automatic cost-of-living adjustment for Social Security, which has been in place since 1975. This year’s conference, held on Monday, July 13, could have had a similar impact in a country facing the challenges of a rapidly aging population. Unfortunately, the conference was hobbled by a limited budget – and a limited vision of the…
  • A Medicare surprise: Most dental care isn’t covered

    Mark Miller
    16 Jul 2015 | 5:47 am
    If you plan to retire soon, add this item to your to-do list: a visit to the dentist before your dental insurance disappears. Retirees transitioning to Medicare are often surprised to learn that the program does not cover routine dental care or more complex procedures. Overall, 40 percent of the 65-plus population has some form of dental benefit, according to the National Association of Dental Plans. For seniors who use Medicare Advantage managed care plans, about half offer very limited coverage for cleanings and exams. A small percentage of seniors have dental insurance from a former…
  • Need to Work in Retirement? Think Small

    Mark Miller
    7 Jul 2015 | 6:00 am
    More retirees than ever intend to keep working past traditional retirement age. But age discrimination and job burnout pose major challenges to staying in the corporate workforce. Entrepreneurship can be a viable alternative work route for retirees–and it’s getting more commonplace. Entrepreneurs age 55-65 accounted for 26% of all startups last year, up from 15% in 1996, according to the Kauffman Index of Entrepreneurial Activity. While an entrepreneurial startup may sound like a risky investment of capital, it doesn’t have to be. A “micro-enterprise” can help…
  • Supreme Court same-sex ruling opens the door for Social Security’s valuable spousal benefits

    Mark Miller
    26 Jun 2015 | 2:39 pm
    Today’s U.S. Supreme Court ruling on same-sex marriage will give a huge boost to the retirement security of LGBT Americans. That will be especially true in the realm of Social Security – where it pays to be married. The ruling will affect everything from access to spousal pension and retirement accounts, health benefits and more. But Social Security really is the headliner here. Recognition of same sex marriage in all 50 states will guarantee access to Social Security’s spousal and survivor benefits, which are the most valuable features of the program. And the near-universal nature…
 
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    Don't Quit Your Day Job...

  • Reinvested Wilshire REIT Index Calculator

    PK
    27 Jul 2015 | 4:32 am
    On this post is a calculator which allows you to estimate the returns on money invested in the Wilshire REIT Index, an index comprised of American Real Estate Investment Trusts. It generally approximates the returns of large commercial and industrial property REITs, and it our first calculator targeted at returns in that area. (See our calculator for individual home returns.) We also have calculators for various other investment and economic concepts – of particular interest to investors is our S&P 500 Reinvestment Calculator and our 10 Year Treasury Coupon Reinvestment calculator,…
  • The DQYDJ Weekender, 7/25/2015

    PK
    25 Jul 2015 | 8:24 am
    It’s been a long time since I’ve written up a weekender – apologies for that!  My wife and I have been on vacation (I don’t think we warned you anywhere; apologies for a second time) and we just got back.  The Weekender, unfortunately, wasn’t at the top of our priorities list during that time – but now that we’re back, expect more frequent updates.  Also, give me some credit for keeping you fed with some articles! There are some great articles out there this week, and, as a bonus, there are some great episodes coming up on the Stacking Benjamins…
  • Political, Social, and Corporate Reactions to the Tech Bubble and Current Chinese Conditions

    PK
    24 Jul 2015 | 4:00 am
    One of the comments I have been getting on our recent series comparing the China market swing and the NASDAQ Tech Bubble’s fallout has been the difference in political reactions to the two market falls.  Yes, it is true: some of the moves by the Chinese in reaction to their market’s fall have little precedent in modern markets – but to insist that American markets had no policy fallout is… wrong.  And, yes, on the Chinese side: it is also true that volatility has plummeted in the most recent week in China – but, with many stocks halted – the question…
  • A Longer Run, Zoomed Out Comparison of the NASDAQ during the Tech Bubble vs. the Shanghai Composite in the Present Day

    PK
    20 Jul 2015 | 4:00 am
    In response to a couple requests, I decided to extend our recent comparisons of the NASDAQ and Shanghai Composite over a longer timeframe.  It is, of course, arguable that the Shaghai Composite is a “bubble popping event” – we can only claim that sort of thing in retrospect.  But in the present, we can say with confidence that it certainly ‘looks like’ the NASDAQ when technology stocks had all their issues in the 2000s. Of course, figuring out ‘when to start‘ this longer comparison is a tricky question – the longer we go, the less we can…
  • More on the Shanghai Composite and its Similarities to the NASDAQ Around 2000

    PK
    15 Jul 2015 | 4:01 am
    In our last piece, we discussed how the Shanghai Composite, the most watched stock index in China, was looking a little too similar to something we’ve seen in our (collective, unless you’re 14) lifetime:  the collapse of the 2000 NASDAQ Technology Bubble.  It was a sloppy first cut – not normalized to anything, and we ended up with separate graphs for the two markets. Normalizing Two Stock Markets Today, we’ll fix that – we introduce a concept of “days before or since the peak”, and set the peak (respectively, a closing peak of 3/10/2000 on the…
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    Quizzle Wire

  • Ways to Save Money on Your Amusement Park Visit

    Cathy
    29 Jul 2015 | 6:00 am
    Have you checked the ticket prices at amusement parks lately? A one-day adult ticket for Disneyland is up to $99! At that price, it’s $396 for a family of four plus $17 for parking, or $413 just to get through the turnstile. Fortunately, there are some ways to save money while visiting your favorite amusement parks. Check these tips out before your next outing: Search for ticket discounts. The easiest way to get a discount off the full price of an amusement park ticket is to buy it online. You’ll probably save around $10 per ticket, depending on the amusement park you want to…
  • 5 money ideas to talk to your partner about

    Miranda Marquit
    27 Jul 2015 | 6:00 am
    Money-related stress can take a toll on your health and on your relationships. If you are interested in maintaining a good relationship with your life partner, it helps to be on the same page with money. In fact, according to some research, financial harmony is one of the most important aspects of a successful marriage or partnership. Before you decide to combine households with someone else, it makes sense to get a feel for how s/he will handle money. Here are 5 money ideas to discuss with your partner to see if you are on the same page and if you are likely to be on the same team when it…
  • 4 reasons to check your credit regularly

    Miranda Marquit
    24 Jul 2015 | 6:00 am
    You’ve probably heard that you should check your credit regularly. But why is that advice given? Before you decide that you don’t really need to check your credit report, here are 4 reasons to take a look on a regular basis: Prepare for a major purchase or life change One of the biggest reasons that you should check your credit is in preparation for a major purchase. When you buy a home using a mortgage, the lender wants to verify that you are likely to make your payments. Another major purchase that requires a credit check is a car. You might even need to prepare your credit ahead of…
  • How a foreclosure can impact your credit

    Miranda Marquit
    22 Jul 2015 | 6:00 am
    You know that a foreclosure on your home can be a big deal when it comes to your credit. But how big of a deal can it be? You might be surprised at how much a foreclosure can impact your credit, and how long it can take to recover, depending on the situation. Why foreclosure can be so devastating Foreclosure can be so devastating because it is related to your payment history. Your payment history is the largest factor affecting your credit score. Before your home goes into foreclosure, there is a good chance that you have missed at least three payments. By the time the foreclosure process is…
  • How to use a vacation to teach your child about money

    Cathy
    20 Jul 2015 | 6:00 am
    If you’re going on vacation with your family this summer, why not use the opportunity to teach your children some personal finance skills? Before you leave, discuss how you planned the vacation and decided how you could afford it. Do you have a vacation fund, and if so, how did you fund it? How did you decide where you would go? Was it determined by your budget, or was your budget determined by your destination? Are you keeping accommodation costs down, or splurging on a luxury hotel, and why? If you plan far enough in advance, you can even involve your child in the funding portion of…
 
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    Get Out of Debt Guy

  • I Have a Doctorate, Student Loans, and Want a Job

    Steve Rhode
    29 Jul 2015 | 11:29 am
    Question: Dear Steve, I took out student loans to complete a doctoral degree. I completed my degree in 2013. Since then, I have been applying for full time employment so that I could meet my payments, but to no avail. Trying to find full time employment in the United States is like looking for a ... The post I Have a Doctorate, Student Loans, and Want a Job appeared first on Get Out of Debt Guy -...
  • Why Do I Have to Pay for Forgiven Student Loans in My Bankruptcy?

    Steve Rhode
    29 Jul 2015 | 11:17 am
    Question: Dear Steve, I have approximately, $144,000 in student loan debt and in 2011, had to file bankruptcy in Ala. My debt were about $34,000 and would be paid off on a 3 yr. plan. However, my attorney said that even though my student loans were not in default they must be included. Therefore, we ... The post Why Do I Have to Pay for Forgiven Student Loans in My Bankruptcy? appeared first on...
  • My Wife is Mentally Disabled. Can Her Student Loans Be Forgiven?

    Steve Rhode
    29 Jul 2015 | 11:06 am
    Question: Dear Steve, My wife graduated in 2001 B.a. degree music. Accumulating $154,000 student loans. She has been on permanent disability since 2000. Benefits of $547 month. I am 70 work to maintain medical insurance income $2000 month. We have filed bankruptcy twice due to long term medical bills. last time Jan 2010. My wife ... The post My Wife is Mentally Disabled. Can Her Student Loans Be...
  • Am I Eligible for the IBR Student Loan Forgiveness Using a Government Funded Company?

    Steve Rhode
    29 Jul 2015 | 10:53 am
    Question: Dear Steve, I am the sole provider for me and my daughter, which will be a sophomore this upcoming fall. I have a outstanding student loan for 29,000. I attended a 2 year technical college called Miller-Motte, I graduated with an associates degree, which have never done any work in that field. I work ... The post Am I Eligible for the IBR Student Loan Forgiveness Using a Government...
  • I’m Disabled and Having My SSI Garnished for Student Loans. What Can I Do?

    Steve Rhode
    29 Jul 2015 | 8:09 am
    Question: Dear Steve, In my 3rd year of college, Dec. 1988, I was involved in an auto accident with a semi. My head hit the steering wheel with force and I have CNS damage and lesions on my brain. I went right back to school and failed class after class. I did not have continuous ... The post I’m Disabled and Having My SSI Garnished for Student Loans. What Can I Do? appeared first on Get...
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    CreditShout | RSS Feed

  • What Card Did You Choose For Your Small Business?

    Kevin
    28 Jul 2015 | 11:11 am
    Q: What credit card did CreditShout choose for your small business? And why?A: A fair question from a reader! We chose the Capital One Spark Cash Select card, which provides 1.5% cash back on all purchases and a 0% intro financing offer. Here is what we were looking for:​We wanted cash-back rewards that we could use […] The post What Card Did You Choose For Your Small Business? appeared first on CreditShout.
  • Citi Will Refund $700 Million for Deceptive Card Practices

    David
    22 Jul 2015 | 5:29 am
    The Consumer Financial Protection Bureau (CFPB) entered into an agreement with Citibank on July 21, 2015, that will provide an estimated $700 million in relief to 8.8 million customers harmed by illegal practices related to credit card add-on products and services. Additionally, Citibank \will pay $35 million in civil money penalties to the CFPB.According to the […] The post Citi Will Refund $700 Million for Deceptive Card Practices appeared first on CreditShout.
  • How Do I Get My Small Business Ready for EMV?

    David
    22 Jul 2015 | 4:46 am
    Q: I am a small business owner. When do I need to be able to accept EMV enabled cards? And what happens if I am not ready on time?There is currently a deadline of October 1, 2015, for businesses to be able to accept cards with EMV microchips (otherwise known as Europay, MasterCard and Visa […] The post How Do I Get My Small Business Ready for EMV? appeared first on CreditShout.
  • Guide to USAA Financial Products

    Christine Layton
    21 Jul 2015 | 7:49 am
    USAA (United Services Automobile Association) is a Texas-based financial services firm that specializes in insurance and banking for military members and their families. Originally founded almost a century ago to help Army officers self-insure each other at a time when military members were viewed as high-risk, USAA has expanded its services over the years. Today, […] The post Guide to USAA Financial Products appeared first on CreditShout.
  • Guide to USAA Credit Cards: Which One is Right for You?

    Kevin
    10 Jul 2015 | 10:39 am
    While most known for its affordable insurance products for military members and their families, USAA is now gaining a reputation for its ever-growing number of credit cards that offer unique benefits for military members. Here’s a look at how USAA credit cards stack up and if any of them belong a place in your wallet. […] The post Guide to USAA Credit Cards: Which One is Right for You? appeared first on CreditShout.
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    Credit Card Chaser

  • Should You Get a Business Card or a Consumer Card?

    Alice
    30 Jul 2015 | 9:33 am
    When a business owner applies for a credit card, he or she will have the option to apply for a consumer card or a business account. While there are many similarities between the two, there are also a few key differences. The credit card that is selected by the business owner will impact everything from convenience and usage abilities to financial record keeping, bonuses and perks and more. Each card has different features, costs, and benefits. However, when all options are carefully analyzed, the small business owner may discover that there are clear benefits associated with applying for a…
  • Making Money Adjustments

    Alice
    24 Jul 2015 | 9:55 am
    One of the most important elements of keeping up with your finances is self-awareness. The ability to evaluate your progress and make money adjustments if necessary is crucial if you want to keep yourself on track and stable. There’s a lot of ways for you to adjust your plans after you make them, so you have to get into the mindset of thinking of your financial planning as a constant activity, not a one-off planning session you do once a year. In this post, we will list some of our favorite tips for making changes to your financial plans after you make them in ways that will benefit you…
  • Is Your Emergency Fund Costing You Money?

    Alice
    16 Jul 2015 | 1:35 pm
    Most people know that they should have an emergency fund stored away in case of financial problems. Although there is some disagreement about how large this fund should be, many say that it should be enough to cover at least three to six months of living expenses. The truth is that the right amount can vary with the individual. While too much savings is certainly preferable to too little, an overly large emergency fund can actually cause some problems. Planning for an Emergency Emergency funds are generally created as safeguards against unemployment, which has been shown to last an average of…
  • How Can You Protect Your Money While Traveling?

    Alice
    10 Jul 2015 | 8:14 am
    There are certainly risks involved when traveling abroad, but the chance to collect new priceless experiences makes it all worth it. Nonetheless, you need to take extra caution to protect your money, especially when traveling overseas. Nothing would ruin an otherwise well-planned vacation like suddenly losing access to money. Between the bank believing authorized purchases are by fraudulent thieves or otherwise charging hefty fees, as well as the chance that the exchange rate doesn’t work in one’s favor, it can be risky to travel without a monetary plan. It’s always a…
  • Have You Hit These Financial Milestones?

    Alice
    2 Jul 2015 | 9:23 am
    One of the best ways to keep yourself on track financially is to have financial milestones that you would like to meet by a certain date. When you have goals to start you on the right financial path early on, that helps you build up good habits for the future. The earlier you start making good financial choices, the better you will be in the long run. In this post, we will explain seven of the most important milestones in your early adulthood into middle age, explain a good age range for hitting them, and talk about why they are important. 1. Become Free of Debt Rising tuition and increasing…
 
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    Ready To Be Rich

  • 4 Emotional Mistakes That Cause People To Remain Poor

    Fitz
    22 Jul 2015 | 11:09 pm
    I’ve spent a good deal of time talking to people about their financial problems. In most cases, their money troubles can be traced back to bad decisions they’ve made, and continue to make unconsciously. Particularly, emotional mistakes that they repeatedly commit, which severely affects their ability to change their financial circumstances. Check yourself against these […] Note: This is just a preview. Read the full article at Ready To Be Rich by clicking this link: 4 Emotional Mistakes That Cause People To Remain Poor Attend a FREE Personal Finance Seminar Learn practical…
  • Coming Soon: Business Academy PH

    Fitz
    19 Jul 2015 | 2:05 pm
    A few months ago, a reader asked me for book recommendations. Particularly, she wanted me to suggest good titles on personal finance and investments. I asked her what books has she already read, and she enumerated the most popular ones like “Rich Dad, Poor Dad”, “Think and Grow Rich”, and a few others. I then […] Note: This is just a preview. Read the full article at Ready To Be Rich by clicking this link: Coming Soon: Business Academy PH Attend a FREE Personal Finance Seminar Learn practical money management and investing strategies from the IMG Wealth Academy.
  • Getting to Know AXA: The Most Valuable Insurance Brand in the World

    Fitz
    15 Jul 2015 | 11:56 pm
    A company needs a strong brand to be successful. However, this is easier said than done, because to have a strong brand requires people to believe and trust in your products and services. For example, when it comes to smartphones, which brands do millions of people prefer? The answer would be Apple and Samsung. When […] Note: This is just a preview. Read the full article at Ready To Be Rich by clicking this link: Getting to Know AXA: The Most Valuable Insurance Brand in the World Attend a FREE Personal Finance Seminar Learn practical money management and investing strategies from the…
  • How To Turn P50,000 To P1 Million in Less Than a Year

    Fitz
    14 Jul 2015 | 2:39 pm
    A blog reader recently sent an email, asking me what she can do with P50,000 to turn it into 1 million pesos in less than a year. I find this an interesting question. So instead of replying to her directly, I’m writing a blog post about it. So, how do you legally turn a few […] Note: This is just a preview. Read the full article at Ready To Be Rich by clicking this link: How To Turn P50,000 To P1 Million in Less Than a Year Attend a FREE Personal Finance Seminar Learn practical money management and investing strategies from the IMG Wealth Academy. Get more details here.
  • Globe Launches #ProTech101 Campaign

    Fitz
    11 Jul 2015 | 12:48 pm
    Identity theft is the fraudulent acquisition and use of a person’s private identifying information, usually used for financial gain. Globally, over 15 million people become victims of identity theft every year, which results to over $50 billion in damages. If you own a smartphone, and very active in social media, then you have to be […] Note: This is just a preview. Read the full article at Ready To Be Rich by clicking this link: Globe Launches #ProTech101 Campaign Attend a FREE Personal Finance Seminar Learn practical money management and investing strategies from the IMG Wealth…
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    JoeTaxpayer

  • Leaving a Job? What to do with your 401(k)

    Joe
    9 Jul 2015 | 4:00 am
    I was listening to my local news station when a segment came on, a 5 minute bit of money advice with a local author and financial planner, Jonathan Pond. I like his conservative approach. What’s unfortunate is that a quick few minutes to discuss any financial topic is going to miss some important details. In this case, the host asked what one should do with their 401(k) when they leave a job. Jon’s answer was to not leave it languish in the old account, to move it to an IRA. I hope listeners took that advice as “don’t forget about the 401(k), get more…
  • I got rich on credit card points

    Joe
    18 May 2015 | 4:00 am
    The David (as I fondly call the entertainer Dave Ramsey) is known for his hyperbole. And his “my way or the highway” view on all things financial. One of his more memorable quotes is “No one ever says they got rich off of credit card points.” It seems to me that if I say so, and offer some supporting evidence, then he’s wrong. If he ever repeats himself, you can reply and tell him you know a guy that did. Let’s start here. This is a snapshot of my 529 account funded solely with the 2% cash back from my credit card. In 2012, I wrote a guest post How I Made…
  • Retired, with mortgage

    Joe
    16 Apr 2015 | 4:00 am
    I’d always thought, and advised others, that to retire, one should have their mortgage paid in full. And that was always my own plan. But, anyone who knows finance knows that you can’t plan on an exact stock market return, you can’t plan on your own health being excellent, nor your marriage outlasting your mortgage. In our case, these things actually all are going pretty well, thank-you. What changed was our income which I posted about a few months back. While we were working, we saved, over 20% per year on average. We topped off the 401(k)s and IRAs, and put aside money for…
  • Still Hungry, Still Walking

    Joe
    30 Mar 2015 | 4:00 am
    A message from my friend, Stephanie – Hello JoeTaxpayer readers! I’m Stephanie, and I blog over at Graduated Learning.  For the past few years, Joe has been incredibly generous by donating to the Walk for Hunger, providing challenge funds toward my fundraising efforts.  It’s been great having that extra push to get family and friends to donate to this very worthy cause.  I’m excited that he’s offered up a challenge for my 4th year doing the Walk! So, here’s some quick information about the Walk for Hunger: The Walk for Hunger is an annual fundraising…
  • What’s happening to FSB?

    Joe
    13 Dec 2014 | 3:00 am
    A  post aimed at my friends across the pond – I don’t know if you’ve noticed, but there is currently a huge push on Financial Spread Betting (FSB). Just about everywhere you look, it seems, there is a bright and shiny offer to take the plunge and enjoy the thrills, spills and rewards of riding the market. Don’t tell me you haven’t noticed. Now, there is plenty to be said about FSB, but no-one seems to be saying anything very much about this all-too visible marketing trend. So let’s do just that; exactly what is going on with FSB right now? by kenteegardin Clearly the main…
 
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    Simplified Saving

  • HOT Back to School HP Ink Sale

    germeline
    28 Jul 2015 | 11:58 am
    Disclosure: I received compensation for this post as part of a promotional program with MomSelect and HP.   It’s hard to believe but back-to-school is just around the corner. In some parts of the country, school has already started!  {GASP!} In some ways, I’m totally ready for my kids to head back to school and the routine that it brings and in other ways, I just want summer to last a little longer! One of my favorite parts of back to school time is all the great deals, discounts and offers on back to school supplies!  You can save big by taking advantage of these special…
  • Hot Back to School Deals on Amazon

    Lisa Thompson
    27 Jul 2015 | 7:43 am
    It’s hard to believe that school will be starting in just a few weeks.  Apparently some schools in various parts of the country have already started.  It’s crazy how early some schools start! If you’re looking to tackle your back to school lists without leaving home, you need to check out some of the great deals on Amazon.  To help you out, I’ve put together this list of great Back to School Deals from Amazon.  I’ll be posting new Back to School deals each week as we get closer to the beginning of school! ::My Favorite Deals:: I purchased both of these…
  • Office Supply Store Back to School Deals {7/26 – 8/1}

    Lisa Thompson
    26 Jul 2015 | 2:20 pm
      I love office supplies, so back-to-school time is like Christmas for me!  There are so many awesome deals to be had!  Plus, with 4 kids, I try to take advantage of as many deals as I can so that my back-to-school shopping doesn’t break the bank! Here are the top Back To School office supply store deals for 7/26 – 8/1. Office Depot OfficeMax Deals Extreme Deals All School Backpacks 30% – 50% off While supplies last, no rain checks. Limit 3 per household Office Depot Brand Wood Pencils, 12 pk: $0.01 With $5 minimum purchase before taxes Office Depot Brand 6″…
  • Restaurant Coupon Roundup {7/24/2015}

    Lisa Thompson
    24 Jul 2015 | 11:33 am
    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! Black Angus Steakhouse – $42 Campfire Feast for Two (exp: 8/10/2015) Bob Evans – 20% Off Carry Out Purchase (exp: 7/29/2015) Brueggers – Buy 1 Get 1 Free Coconut Iced Coffee (exp: 8/2/2015) Carls Jr - $1 Off Mushroom & Swiss All-Natural Burger Combo (exp: 9/6/2015) Carrabbas – $10.90 for Prosciutto-Wrapped Pork Tenderloin Dinner (exp: 7/26/2015) Carrows – $2 Off Any Purchase…
  • Retail Coupon Roundup {7/24/2015}

    Lisa Thompson
    24 Jul 2015 | 11:25 am
    If you’re planning on doing a little shopping this weekend, make sure to print off these great retail coupons before you go!  I’m excited about the Ace Hardware coupon because we’re starting a whole house renovation this weekend which will require lots of paint and Ace carries the Benjamin Moore paint colors we’ll be using! A.C. Moore – 40% Off 1 Regularly Priced Item (exp: 7/25/2015) Aaron Brothers – 50% Off 1 Regularly Priced Item (exp: 7/27/2015) Ace Hardware – $5 Off $25 Regular Priced Purchase (exp: 7/26/2015) Babies R Us - 15% Off All Potties &…
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    Personal Dividends

  • What You Need to Know About Employers and Your Credit Report

    Miranda Marquit
    17 Jul 2015 | 11:32 am
    One of the rising trends in employment is the reality that you might need to agree to a credit check as part of your employee background check. If you are out on the job hunt, here is what you need to know about credit checks and your employer: Bad Credit can be a Red Flag First of all, understand that your poor credit can be a red flag to some employers. If you have a bankruptcy on your record, or if it looks as though you are struggling, some employers might worry that you could be vulnerable to bribes or to embezzling. This is especially true if you are applying for a security position or…
  • How to Invest in Bonds

    Miranda Marquit
    7 Jul 2015 | 5:00 am
    When it comes to using asset allocation as an investing strategy, many people like to include bonds in their plans. Bonds are often looked on as relatively safe. Even though there are risks involved with investing in bonds, many people see them as a way to limit some of the volatility of an investment portfolio. Additionally, bonds offer the possibility of income from your investments. With a large enough bond portfolio, you can earn enough interest each year to live off. If you want to know how to invest in bonds, here’s how to do it. Investing Directly in Individual U.S. Treasuries U.S.
  • Managing Your Home Business Schedule: Keep the Lights On

    Miranda Marquit
    30 Jun 2015 | 7:00 am
    When it comes to your home business schedule, things can get a little tight. For the most part, I have a pretty consistent schedule for running my home For the most part, I have a pretty consistent schedule for running my home business. I get up and answer email and take care of a few social media tasks while my son gets ready for school. This fits well with making his lunch, getting him breakfast and overseeing his preparations to leave for the bus stop. It helps that he’s old enough to mostly get himself ready (as long as I keep him on task). After my son is off to school, I can get…
  • How to Stop Worrying about the Joneses

    Miranda Marquit
    16 Jun 2015 | 5:00 am
    We hear all the time that we need to stop trying to keep up with the Joneses. And it’s true. Chances are that you are keeping up with the Joneses debt, rather than keeping up with them in any other way. You can also experience a great deal of peace of mind once you stop worrying about the Joneses, since you will no longer be going into debt to keep up with a certain lifestyle. But how do you stop worrying about the Joneses? It’s not always easy to stop comparing ourselves to others and feeling as though we are missing out because our lives don’t look like their lives. It takes planning…
  • How to Invest in Real Estate When You Don’t Have a lot of Capital

    Miranda Marquit
    8 Jun 2015 | 8:24 am
    When many of us think of real estate investing, we think of the need for hundreds of thousands of dollars. Whether you plan to buy land you can later sell to a developer, purchase a rental property or invest in a fixer-upper to flip at a profit, you usually need a large chunk of capital. If you don’t have that chunk of capital, you might need to borrow from the bank. While this can be an effective way to invest in real estate as a beginner, not everyone wants to borrow in order to make it happen. For an investor with a small amount of capital and a desire to avoid borrowing, there are…
 
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    Much more than debt, IVA and personal finance from ClearDebt.

  • Personal insolvencies are at a 10 year low but DROs are on the rise

    Andrew_F_Smith
    30 Jul 2015 | 5:52 am
    The personal insolvency figures released yesterday by the Government’s Insolvency Service show a continuing fall in the number of people who need to use a legal process to deal with their debts. However, as always, it’s when you look behind the broad headlines that you get to see things that could become much more significant […]
  • 0800 numbers are now free from mobiles but it’s not all good news

    Jo Gordon
    1 Jul 2015 | 7:15 am
    A change in the way you are billed for calls has come into place, which means contacting us via our 0800 numbers on your mobile is now free. Here’s what you need to know From today (July 1) new rules came into force changing the way you’re charged for calling any number beginning with 08, 09 or 118 from your […]
  • Want to know more about why an IVA can be better than a Debt Management Plan?

    Andrew_F_Smith
    10 Jun 2015 | 3:00 am
    At ClearDebt we believe an Individual Voluntary Arrangement (IVA) is often a much better solution to becoming debt free than even a free Debt Management Plan from a charity like StepChange. Our IVA infographic gives you the basics about IVAs and what is involved in arranging one. Take a look now. Embed Embed IVAs vs Debt […]
  • What will the Conservatives do to deal with personal debt?

    Andrew_F_Smith
    13 May 2015 | 2:00 am
    Given that there are almost 46.5 million voters in the UK and 8.8 million (roughly one in five) of them have debt problems, it always strikes us that governments do not pay enough attention to the problems of people in debt. If everyone in debt made their voices heard the politicians would have to listen, but […]
  • What does the #GE2015 result mean for people in debt?

    Kristian Stock
    8 May 2015 | 5:01 am
    The 2015 General Election has been unpredictable and left many people scratching their heads. From a hung parliament to a Conservative majority, what does the result mean for people in debt? We take a quick look the opinions and reactions so far on Twitter. Personal debt is a big issue In our last post about […]
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    Money Watch - UK Personal Finance Blog

  • Driving Apps To Help Cut Your Car Insurance

    Rob Lewis
    29 Jul 2015 | 11:00 pm
    There’s been a growth in the number of car insurers offering driving apps which aim to prove you’re a safe driver and consequently cut the cost of your car insurance. The apps are used to monitor your driving and provide the insurer with an insight in to your driving habits. lovemoney.com has done a round-up of the apps available from the following major insurers: Direct Line: Drive Plus Aviva: Aviva Drive AXA: Drivology LV=: LV= Driving Co-Op If you’ve used any of these apps, we’d be interested to hear if they actually helped to reduce your car insurance. How…
  • Death Of Pocket Money – More Parents Than Ever Pay Children Digitally

    Rob Lewis
    29 Jul 2015 | 12:00 am
    Traditional cash pocket money is dying out as increasing numbers of parents are paying their children’s pocket money digitally, according to new research from financial technology company Intelligent Environments. However, in spite of an increasingly digitally-native generation of youngsters, only two UK high street banks cater for children under the age of 11. An online poll of 2,000 parents shows that the way they choose to give their children pocket money has changed over the years. One third (34 per cent) of parents now opt to transfer a weekly amount into their children’s digital…
  • HSBC & First Direct Now Available On Apple Pay

    Rob Lewis
    28 Jul 2015 | 5:15 am
    Despite being named as one of the launch partners, there was some surprise when HSBC and First Direct account holders were unable to use Apple Pay when it launched here in the UK earlier in the month. However, from today, Apple Pay is available to customers of both of these banks (First Direct is a division of HSBC). HSBC have published details of how to register your account, together with an Apple Pay FAQ, on their website. Remember, you’ll need an iPhone 6, Apple Watch, iPad Air 2 or iPad mini 3 to use Apple Pay. You can use Apple Pay wherever contactless payments are accepted.
  • Santander Launches New App “Kitti” To Help Groups Manage Money

    Rob Lewis
    21 Jul 2015 | 10:00 pm
    The days of the best man chasing the groom’s mates to get their contribution to a weekend of revelry, a tatty envelope going round the office collecting cash for a colleague’s birthday gift, or a jam jar stuffed with cash in a shared house could well be a thing of the past with the launch of KiTTi, a brand new money management app from Santander. This is the first app in the UK that brings the good old cash kitty up to date, and allows up to 100 friends to contribute and keep an eye on their money all at the tap of a button.  Customers of any UK bank can download the app, quickly and…
  • comparethemarket.com Launches New App For Instant Energy Price Comparison

    Rob Lewis
    21 Jul 2015 | 4:01 pm
    Comparison website comparethemarket.com has launched a major update to its energy comparison app – Snapt – enabling people to scan the Quick Response (QR) code on their energy bills simply by pointing their smartphone’s camera at the code. According to Ofgem, the majority of energy suppliers are now legally required to include a QR code, containing a customers’ tariff and consumption data, on all bills from 1 July 2015. The requirement has the potential to revolutionise the energy market, by making it clearer and easier to compare tariffs online and switch provider. Snapt scans…
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    Money Reasons

  • Your Health is a Great Investment!

    Money Reasons
    13 Jul 2015 | 4:57 pm
    All to often, I focus on financial matters and money reasons, but…Your Health is Your Greatest InvestmentIn the United States, it is well known that health care is expensive. A trip to the emergency room or urgent care costs anywhere from a couple hundred dollars for a simple sprained ankle check up to thousands of dollars for an emergency procedure. One of the best ways to prevent expensive health care costs in life is by taking care of yourself now.Putting your health first doesn’t have to be a costly endeavor either. A few simple free or inexpensive steps can dramatically increase…
  • My Personal Route to Financial Independence – Wealth Swimming to Shore Analogy

    Money Reasons
    4 Jul 2015 | 12:20 pm
    I’ve been swimming to shore financially for the past 2 and a half years since my last update!  The shore is the closest it’s ever been!In fact, if I let my body submerge under the water straight down like a pencil, my feet touch bottom and the water line is only about a foot or so above my head.  I consider this great progress for me, especially after the last gut-tearing years! Captiva SunsetI’ve stuck to my simple, financial philosophy by being a big saver and practicing frugality all along my swim.  My trusty spreadsheet being my only real tool in addition to my…
  • Why Increasing Minimum Wage By Doubling it to $15 Is Harmful For The US

    Money Reasons
    22 May 2015 | 3:10 pm
    The current Federal Minimum Wage is $7.25, but there is a “doubling” proposal by various group and media channels that are interested in increase it to $15.  Personally, I think that is a very bad idea, and below are the top reasons why:Why Doubling the Minimum Wage is a bad ideaSmall Employers and small companies starting out will be squashed.  Companies, much like human are born small with a small footprint.  Over time they grow and become larger, at that point they can afford to spend more money because they have more financial leverage to do so.  In fact, as they grow,…
  • Three Options to Avoid Filing for Bankruptcy

    Money Reasons
    12 May 2015 | 7:59 pm
    Drowning in Debt With No Way Out: Three Options to Avoid Filing for BankruptcyDebt is very easy to accumulate, but never as easy to get rid of. Whether you’re in debt as a result of unexpected circumstances, or simply from improperly handling your finances, the stress of dealing with the aftermath can often be stressful to say the least. According to an article in the HuffingtonPost, approximately 35 percent of Americans have some form of debt that has been turned over to collections. Many of them end up having to file for bankruptcy as a means to find some relief. While bankruptcy may…
  • Proof That Buy and Hold Still Makes Sense

    Money Reasons
    18 Apr 2015 | 1:16 pm
    After the shock and hit from “The Great Recession”, everybody and their cousins came out and said that the “buy and hold” strategy doesn’t work and the days of 9 to 10% annual returns were over.So, I decided to come to the defense of the buy and hold strategy once again.  Back in one of my earlier articles called, “Is Buy And Hold Investing Dead“, I stated that I was basically going to stay the course and not deviate much from that philosophy.  As a result, I’m happy to say that my Annualized Return is above 9% again (9.3% to be exact). …
 
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    Planting Dollars

  • US Short term loan providers Set Their Sights on Installment Loans Market

    Ryan
    27 Jul 2015 | 2:59 pm
    Two US Short term loan providers will offer consumers a chance to rebuild their credit score and work their way back to the mainstream lenders. Much has been said about the UK payday loans market, but now two new US lenders are taking a different tack by offering products that help customers make the step up to mainstream lending. Before Financial Conduct Authority (FCA) regulation went to such great lengths to tidy up the industry, Short term loan providers were seen as a predatory force preying on the poorest of the poor. However, in recent years, there has been an influx of new short term…
  • 7 Ways to Increase Credit Scores Rapidly

    Ryan
    23 Dec 2014 | 2:35 pm
    It’s one thing to work your way slowly out of debt to increase your credit score. It’s a different beast if you need an auto or home loan, to rent an apartment, or need other types of financing immediately. When timing is of the essence, these seven methods will help you increase your credit score rapidly. 1.      Dispute Errors on Your Credit Report Fixing errors on your credit report is an excellent way to increase your credit score rapidly. Take a look at your credit report, do you have: Late payments reported inaccurately? Accounts in collections that were paid off? Accounts in…
  • Escaping the Paycheck-to-Paycheck Lifestyle

    Ryan
    11 Dec 2014 | 1:19 pm
    It astonishes me to think about the fact that since the time I got my first job, at around 15 years old, to now, going into my late 20’s, that I had been living paycheck-to-paycheck. I have tried many times and again to set aside money, improve my financial responsibility, and fix my bad credit but none of it really sunk in until I buckled down and made a financial routine. In the last few months I finally found myself out of the financial hole and to my surprise it was far easier to climb out than I had imagined. I would bet that if you’re reading this you are currently experiencing some…
  • How Paying Professionals Saves You Money

    Ryan
    10 Dec 2014 | 9:25 pm
    In our recent post, “11 Ways to Save Your Small Business Money,” we talked about a lot of things that you can to help reduce expenses for your company. Among the things we listed in the post were things like sharing space and outsourcing some of your internal duties. One of the things that didn’t get covered in that list was “paying a great rate for top quality professionals.” It’s a subject that doesn’t get talked about a lot on money-saving and frugality blogs because the core of the idea is based on paying more than you absolutely have to and that runs contrary to what most…
  • 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…
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    Smart Balance Transfers

  • Discover it Chrome Review

    Jason Steele
    29 Jul 2015 | 4:55 am
    At the beginning of 2014, Discover cleaned out its closet of an entire range of reward credit card offerings and began to offer just a single card called “Discover it.” This card tried to do all things well, and was very successful. It offered a competitive rewards program, attractive promotional financing offers, and highly regarded […]
  • Rewards Pro – Trends In Award Availability

    Jason Steele
    27 Jul 2015 | 2:55 pm
    Anyone with experience with credit cards and award travel will eventually find out that earning airline miles is relatively easy. Spending them is actually the hard part. In recent years, airlines have drastically reduced the number of award seats that they make available at the lowest mileage levels. Instead, travelers are asked to redeemed the […]
  • Should You Apply For The New Discover It Chrome?

    Jason Steele
    24 Jul 2015 | 9:25 am
    The Discover card just released a new version of its wildly successful it card, called the Discover it chrome. This new card features 1% cash back on all purchases, plus another 1% back on gas and dining charges, on up to $1,000 each quarter of eligible spending. The it Chrome offers 12 months of interest free […]
  • Citi’s Balance Transfer Credit Cards With EMV Smart Chips

    Jason Steele
    22 Jul 2015 | 9:22 am
    Travelers to foreign countries are learning that EMV smart chips are quickly becoming the standard. At first, cards needed one of these chips to be read at kiosks such as those that sell train tickets. Now, these card readers are increasingly common in restaurants and stores where employees are just as likely to insert your […]
  • Rewards Pro – How To Book An Award Flight

    Jason Steele
    20 Jul 2015 | 9:20 am
    A lot of credit card users are tired of reward cards that earn frequent flier miles. They come to this conclusion after trying, and failing to use their miles for a trip they want to go on.  Nevertheless, there is a community of reward enthusiasts that are consistently able to find the award flights they […]
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    Credit.com

  • Not So FAFSA: How to Avoid a Student Aid Scam

    Adam Levin
    29 Jul 2015 | 9:01 pm
    As July melts into August, many college-age students are once again turning their thoughts (if they haven’t done so already) to that beast of complexity, the FAFSA form – which students must fill out if they want to receive financial aid. While there are many reputable companies that help prepare FAFSA forms, there are a number of parasites out there as well. Filling out the FAFSA is about as much fun as Thanksgiving dinner table talk when it turns to the topic of college applications. That’s when the money questions are asked, debt horror stories are shared and guests make groaning…
  • Inheritance 101: How to Leave Your Home to Your Kids

    Brad Wiewel
    29 Jul 2015 | 9:01 pm
    For many of you, your home is probably your most valuable asset and it’s likely that you are very clear about whom you want to end up with it when you die. For example, if you are a parent you probably want your children to inherit your home. However, ensuring that your wishes become reality takes planning – estate planning, specifically. For example, you may: Include your home in your will Transfer your home to a living trust Include the right “magic words” in the deed to your home There are pros and cons to each of these options, so it’s advisable to meet with an estate-planning…
  • The Real Reason Behind Skyrocketing College Tuition

    Bob Sullivan
    29 Jul 2015 | 9:01 pm
    Sara Goldrick-Rab is among the loudest critics of America’s structures designed to fund college education. She’s a professor of Educational Policy Studies and Sociology at the University of Wisconsin-Madison, working for a state school that is squarely in the cross-hairs of Wisconsin Gov. Scott Walker’s plans to cut funding and eliminate tenure. Her writings include “Reinventing Financial Aid: Charting a New Course to College Affordability,” with Andrew Kelly, for Harvard Education Press. When a recent Federal Reserve study found that increased student loan aid…
  • Americans Are Holding Onto Their Cars Longer Than Ever

    Christine DiGangi
    29 Jul 2015 | 9:01 pm
    For years, Americans have been driving older and older cars, bringing the average age of vehicles in operation to 11.5 years at the start of this year — that’s the highest it has been since analytics company IHS Automotive started tracking the metric. Americans continue to drive increasingly older cars partly because vehicle quality has improved, but the economic downturn played a significant role in this trend, as well. Mark Seng, global aftermarket practice leader at IHS Automotive, explained the data in a news release: “For the five to six years following the recession, however,…
  • The 10 Biggest Consumer Complaints in America

    Bob Sullivan
    29 Jul 2015 | 9:01 pm
    iStock Woes, Worries & WHY! Health care billing issues, IRS imposter scams and student loan consolidators were among the biggest consumer headaches last year, joining more familiar complaints about identity theft, home repair and debt collection. The definitive survey of consumer gripes, which includes data from 37 agencies in 21 states, was released Wednesday by the Consumer Federation of America. Together, they shared 282,000 complaints with the consumer advocacy group. As was the case last year, auto sales and repairs attracted the most complaints, but debt collection issues were rated the…
 
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    AAACreditGuide » Blog

  • Credit Repair & Making Debt Collectors Feel the Heat

    Ereika
    23 Jul 2015 | 6:28 am
    Credit repair is largely seen as a way to improve your credit scores, but it can be more than that if you really invest in the process. This is because the act of repairing your credit makes you an informed consumer – you have to learn the laws and regulations that protect you, if you’re going to use them effectively. Debt Collectors are NOT Credit Repair Experts (But You Can Be) Debt collection agencies are finding out the hard way that informed consumers can mean huge losses on their end. Take the debt collection agency National Recoveries Inc. Just last month they were forced to…
  • Charge-offs – the Facts You Need to Know

    Chane Steiner
    23 Jul 2015 | 6:28 am
    Understanding how charge-offs work is important if you want to repair your credit and get back on your feet. Here are the facts about charge-offs that will help you make the right decision when it comes to improving your credit. Charge-offs Still Leave You on the Hook Because calls and letters from the original creditor often stop when charge-offs occur, many people think that they are in the clear once the collection activity stops. The truth is that creditors are required to charge-off your debts within 180 days of nonpayment. It’s an accounting practice that allows them to report the…
  • How Can I Get Free Credit Repair Help?

    Ereika
    23 Jul 2015 | 6:28 am
    Often, when a person has credit problems, their finances are also in need of assistance. Free credit repair is not a new concept — there are many do-it-yourself websites out there that show individuals how to repair their credit. However, the process can seem overwhelming and confusing to an individual that has never had to deal with their credit directly. If you are wondering about free credit repair help, this post will give you the information you need to get started on the right track. Free Credit Repair Help — The DIY Method If you want to repair your credit on your own, you…
  • 5 Common Credit Repair Misconceptions – Myth Busting Mondays

    Ereika
    23 Jul 2015 | 6:28 am
    No matter how responsible you are with your bills, chances are good that you could benefit from credit repair. Why? Because your good payment history is only as good as the accuracy of the creditors who report your payments each month. And it only takes a few slip-ups in the credit reporting process to trash your credit score and cause you to be declined for credit. In this week’s Myth Busting Monday, we directly address the most common credit repair myths and why everyone, no matter what their financial situation, should take a good long look at credit repair and what it can do for them.
  • BBB Releases Report on Credit Repair Scams

    Ereika
    23 Jul 2015 | 6:28 am
    The Better Business Bureau is one of the most well-known organizations for protecting consumers’ rights and allowing them to get satisfaction from the companies they do business with. Recently, the BBB turned their attention to the credit repair industry and released a report on credit repair scams. What it boils down to is a clear illustration of how important it is to make sure you’re not being lured into a scam when you are just trying to get your credit repaired. According to the study, the average paid by individual consumers to (often unsuccessfully) repair their credit is…
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    The Allstate Blog

  • Keys to Homeownership: Closing

    Alexandra Kozinski, Coldwell Banker
    30 Jul 2015 | 5:00 am
    Congratulations, your offer has been accepted, the home passed inspection and you are finally ready for the closing. This is the last contractual hurdle you’ll face, but until the closing is behind you, you can’t call yourself a homeowner quite yet. Your real estate agent is an expert in many things related to buying a home, so make sure you ask him or her as many questions as you need to in order to be 100 percent clear on what the closing process entails. Before you finalize your purchase, you may want to consider the following tips. Complete the Final Walk-Through Before you close,…
  • Keys to Homeownership: Getting a Home Inspection

    Alexandra Kozinski, Coldwell Banker
    29 Jul 2015 | 5:00 am
    Before signing on the dotted line, it’s important to know what exactly comes with the new house you’re about to buy. In addition to that amazing kitchen, fabulous master bath and lush green backyard, could there be foundation issues? Or maybe a rotting roof in need of replacing? You may not be required to have a home inspection, but it is highly recommended and almost always worth the money. Help reduce your stress and take the guesswork out of potential issues by working with a qualified home inspector. First and foremost, let’s discuss what exactly happens at a home…
  • Keys to Homeownership: Negotiating a Purchase Price

    Alexandra Kozinski, Coldwell Banker
    28 Jul 2015 | 5:00 am
    Congratulations, you found it …your dream home! Before you celebrate, though, you first have to put in an offer and come to an agreed-upon price between you and the seller. Negotiating a purchase price on your new home can be a stressful part of the home buying process. Here are a few tips that will help you and your real estate professional strategize the best way to win the deal. One situation that homebuyers may run into is finding out a seller has received multiple offers on a property they’re interested in. Cara Ameer, an agent with Coldwell Banker Vanguard Realty, advises…
  • Transform Your Car Into a Show Car

    Brendan
    24 Jul 2015 | 3:10 am
    Many car lovers, gear heads and weekend tinkerers spend their free evenings and weekends fixing, improving and tinkering with their cars. Whether you’re restoring a classic car or truck from the 1950s or dressing up your favorite contemporary vehicle, in order to bring it up to show-car level, you’ve got to have plenty of elbow grease and an eye for detail. Martin Sanchez, a senior analyst for Kelley Blue Book and classic car enthusiast and veteran of car shows, shares what it really takes to make your ride show-worthy. Help Us Help You!Want to submit a story idea, suggestion or…
  • How to Properly Stock Your Motorcycle Tool Kit

    Brendan
    23 Jul 2015 | 1:07 pm
    The warm days of summer bring more opportunities for long motorcycle rides. And when you’re out on the open road, you want to feel prepared for whatever comes your way. Having the right set of tools on hand can help ensure that your bike trip goes as smoothly as possible. So, we’ve compiled a list of essential repair items for any motorcyclist. Of course, there is’t much room for tools on a motorcycle (many modern bikes have a small storage area under the seat) so space is at a premium. Though this list may not be comprehensive, it covers many of the basic tools you’ll need to…
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    Centsible Life

  • Vegan Summer Southwestern Salad Recipe {sponsored} #LifesBetterWithTheLion

    Kelly
    30 Jul 2015 | 8:24 am
    Centsible Life's feed has moved! Update your reader now. This feed has moved to: http://www.thecentsiblelife.com/feed/ Update your reader now with this changed subscription address to get your latest updates from Centsible Life.
  • College Students Rate C For Personal Finance

    Kelly
    29 Jul 2015 | 7:53 am
    Centsible Life's feed has moved! Update your reader now. This feed has moved to: http://www.thecentsiblelife.com/feed/ Update your reader now with this changed subscription address to get your latest updates from Centsible Life.
  • Savory Magazine From GIANT {sponsored}

    Kelly
    27 Jul 2015 | 9:00 am
    Centsible Life's feed has moved! Update your reader now. This feed has moved to: http://www.thecentsiblelife.com/feed/ Update your reader now with this changed subscription address to get your latest updates from Centsible Life.
  • July Meal Plan: Week Four

    Kelly
    27 Jul 2015 | 4:00 am
    Centsible Life's feed has moved! Update your reader now. This feed has moved to: http://www.thecentsiblelife.com/feed/ Update your reader now with this changed subscription address to get your latest updates from Centsible Life.
  • What bank is best? Where should you stash your cash?

    Kelly
    23 Jul 2015 | 6:55 am
    Centsible Life's feed has moved! Update your reader now. This feed has moved to: http://www.thecentsiblelife.com/feed/ Update your reader now with this changed subscription address to get your latest updates from Centsible Life.
 
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    The Daily Reckoning

  • Gold Miners, RIP…

    Bill Bonner
    30 Jul 2015 | 11:05 am
    This post Gold Miners, RIP… appeared first on Daily Reckoning. TORONTO – “This is the worst I’ve seen in 30 years.” The scene was the recent Sprott-Stansberry Natural Resource Symposium in Vancouver. The subject was mining equities. And the opinion was becoming familiar… The price of gold is down by about 8% over the last five years. Precious metals miners, as measured by the Market Vectors Gold Miner’s ETF, are down by about 70% over the same time. Mining execs say banks won’t return their calls. Promoters say they are thinking about taking their firms into cloud…
  • 7 “Saves” in 7 Months: A Market Going Nowhere Fast

    Charles Hugh Smith
    30 Jul 2015 | 8:23 am
    This post 7 “Saves” in 7 Months: A Market Going Nowhere Fast appeared first on Daily Reckoning. What do we make of a stock market that’s been “saved” seven times in a mere seven months? Saved from what, you ask? Saved from rolling over, of course; after six years of upside, the current uptrend is getting long in tooth, and evidence of global recession is mounting. What’s “saved” the market seven times in seven months? The usual burps of hot air: the Federal Reserve issued more mewlings (zero rates forever), Greece was “saved” again,…
  • Matt Insley: “If It’s Sunny, WE’RE Makin’ Money”

    Matt Insley
    30 Jul 2015 | 8:00 am
    This post Matt Insley: “If It’s Sunny, WE’RE Makin’ Money” appeared first on Daily Reckoning. The Solar Sector Is Heating up. Here’s the Proof… George Soros, Steve Cohen, Israel Englander, Leon Cooperman, Michael Platt, Daniel Loeb, James Dinan, Stephen Mandel Jr., Larry Robbins and David Einhorn… That’s a list of billionaire fund managers that have a stake in the solar sector. Indeed, the solar sector is continuing to warm up with big money… Warren Buffett earmarked $15 billion for renewables (with a keen eye on solar) — and he said he’d double that investment…
  • How Historic Lows in Housing Will Set You Up for Incredible Gains

    Greg Guenthner
    30 Jul 2015 | 7:13 am
    This post How Historic Lows in Housing Will Set You Up for Incredible Gains appeared first on Daily Reckoning. It’s a crisis! U.S. home ownership is plummeting. No one’s buying houses anymore. If this trend continues we’ll be a nation of renters in a few years. Goodbye American Dream. It’s just awful. Actually, that’s just a bunch of B.S. Today, I’m going to show you how you can actually make money off what many consider to be some grim homeownership statistics. It might even change the way you think about the housing market in the U.S. So here’s the deal: Earlier this year, the…
  • Infographic: The Cybersecurity Boom

    Jeff Desjardins
    29 Jul 2015 | 1:36 pm
    This post Infographic: The Cybersecurity Boom appeared first on Daily Reckoning. In 1983’s WarGames, a young Matthew Broderick unwittingly hacks into military central computer while searching for video games and almost inadvertently starts World War III. This film is classified on IMDB as in the “Sci-fi, Thriller” genres. While the prospects of cybercrime and cyberterrorism are certainly thrilling (and scary), the descriptor of “Sci-fi” for the movie may no longer be necessary. In the last calendar year, there’s been dozens of high-profile cybersecurity incidents that are not a…
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    Canadian Finance Blog

  • The Best Air Miles Credit Cards of 2015

    Tom Drake
    30 Jul 2015 | 5:00 am
    Air travel can be expensive. However, you can reduce the cost involved with the help of your planned credit card spending. Air Miles credit cards can provide you with the ability to earn travel rewards on a number of regular purchases, reducing the amount you pay when you fly. The best Air Miles credit card depends on your level of spending and where you shop. As long as you are smart with your spending, and you pay off your balance each month, you can avoid interest charges that reduce the value of your rewards. Credit cards with Air Miles offer you the chance to boost your rewards when you…
  • 10 Ways to Save Money at the Gas Pump

    Tom Drake
    27 Jul 2015 | 5:00 am
    For many of us, cars are a big part of life. They provide us with independence, allowing us to go wherever we like, and not be tied to anyone else’s time schedule. Not only that, but many of us use our cars for weekend drives and long distance trips. This makes saving money on gas even more important to your gas budget, not to mention the daily commute. However, even though Canada is a major exporter of oil, we still have rising gas prices that sometimes impact household budgets. If you are looking for a way to save money on your regular expenses, here are some tips to keep more gas…
  • How to Buy Stocks: A Beginner’s Guide to Buying Stocks

    Tom Drake
    20 Jul 2015 | 5:00 am
    One of the unfortunate truths is that many people make investing far more complicated than it needs to be. It’s common to treat investing as a mystery that can only be penetrated by those with special insight and knowledge. However, buying stocks doesn’t have to a complex process. Just about anyone can learn how to buy stocks with a little time and effort. Getting Started The first step is to open a brokerage account. It’s true that you need a broker in order to buy stocks. However, you don’t need to call someone on the phone, or become engaged in a complicated…
  • Is the Capital One Platinum Mastercard Right for You?

    Tom Drake
    13 Jul 2015 | 5:00 am
    This year, the Capital One Platinum MasterCard replaced the TrueEarnings American Express as Costco’s official credit card. With no annual fee and a cash-back rebate each year, this card has some great benefits for consumers spending less than $1,000 per month. Whether it’s for purchasing clothes, gas or groceries, it’s a solid cash back card considering there’s no annual fee. Using the Capital One Platinum MasterCard is a great way to compound your savings. You get great deals from Costco, and you also enjoy the benefits of a generous rewards program from Capital One.
  • GIC: What Are Guaranteed Investment Certificates?

    Tom Drake
    6 Jul 2015 | 5:00 am
    In these volatile times, many investors and savers are looking for a very safe investment. One of the options you have, if you want safety and guaranteed income, is a Guaranteed Investment Certificate (GIC). Many investors like to add them to their portfolios for stability. What is a GIC? GICs are a form of investment where you agree to lend money to a bank for a set amount of time. The bank agrees to pay you a certain percentage of interest to borrow this money. You are guaranteed a return as long as you keep your money in the bank for a specified amount of time. Terms on GICs generally run…
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    The Dividend Guy Blog

  • The Pareto Principle Used at Work, at Home and on my Investing Strategy

    DivGuy
    29 Jul 2015 | 2:18 am
    I first discovered this principle a long time ago when I was doing my bachelor’s degree in Finance. While I spent more time playing Tetris than listening to my teachers, I remembered I stopped everything to listen to this part of the class. The Pareto Principle is named after Vilfredo Pareto, who noticed over 100 years ago that 80% of the land in Italy was owned by 20% of the population. The principle itself was not developed by Vilfredo, but was instead developed by Joseph Juran and named after Pareto based on his initial observation. Although the Pareto Principle is imperfect, it refers…
  • Leveraged Money is just an Illusion

    DivGuy
    27 Jul 2015 | 1:55 am
    Now that the situation in Greece is put back on the oxygen mask for a while, I’ve been reading a lot about the potential contamination problems we could face with regards to Chinese market situation. If you have been following global economic news, you definitely noticed how bad the Chinese market crashed (30% within 2 weeks) after cranking up by 150%. It is fascinating how China manages its finance over the past 10 years. I mean; the country is growing at lightning speed (mind you, its growth speed has seriously slowed down recently) and it seems to find the answer to any economic problem…
  • Dividend Reads for the Weekend

    DivGuy
    24 Jul 2015 | 12:29 pm
    Life is quieter this week and I can’t really complain! This will be a relaxing weekend by the pool with friends and kids running everywhere This week, I wrote about the financial aspects of my RV trip. I’m hesitating between two scenarios. I also reviewed 2 Canadian Reits: Boardwalk & RioCan. On Seeking Alpha, I analyzed General Mills (GIS) a strong play at 20% discount. Interesting Reads: Dividend Mantra recently bought Caterpillar (CAT). I think this is a very good buy considering the current stock value. Market volatility offers investor the opportunity to buy great companies at…
  • Financial Preparation for our RV Trip

    DivGuy
    22 Jul 2015 | 2:13 am
    Almost every week, I’m trying to update you with what we have done so far with regards to our 12 month RV trip across Central and North America in 2016. So far, very few people around me know about my project. Besides my family and close friends, nobody is aware of what we do. I would say that half of them sometimes start their sentence with words like: If you ever go… and If you don’t chose to go… I guess it’s part of the game of doing things unconventionally; most people have a hard time understanding that you are actually going to do these things. It’s not that they disapprove;…
  • BoardWalk Vs Rio Can

    DivGuy
    20 Jul 2015 | 2:03 am
    Since the Canadian interest rate environment will continue to be as exciting as a worm race across the garden, I thought of revisiting a two very popular Canadian REITs. Boardwalk REIT (BEI.UN) RioCan REIT (REI.UN) Canadian REITs have been a strong source of steady income for investors for several years. While they don’t show spectacular stock price growth or even dividend payment growth, this asset class is still a must for all conservative and income seeking investors. For example, both BEI.UN and REI.UN have been issuing a monthly dividend payment for more than 10 years to their…
 
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    MoneyProblems.ca

  • Tips For Choosing The Right Debt Consolidation Approach

    Moneyproblems Answers
    22 Jul 2015 | 5:00 am
    When it comes to consolidating your debts, it’s important to create goals that can help you to choose the right approach for your personal situation. Knowing what you want to get out of the process, including lower interest rates, lower payments, creditor protection or a combination of goals is important... Read more The post Tips For Choosing The Right Debt Consolidation Approach appeared first on MoneyProblems.ca.
  • 7 Steps to Taking Control Of Debt

    Sarah Milton
    8 Jul 2015 | 5:00 am
    “Debt is normal. Be weird!” – Dave Ramsey One of the most challenging emotions that accompanies debt is the feeling of hopelessness that can fall over you when you look at your statements. That feeling can be paralyzing; stopping us from making any significant moves to change our situation because it... Read more The post 7 Steps to Taking Control Of Debt appeared first on MoneyProblems.ca.
  • Should You Lease or Buy A Car? Infographic

    Moneyproblems Answers
    24 Jun 2015 | 5:00 am
    If you are talking to a car dealer or financial institution about how to finance your next car purchase, here is a handy infographic that can help ensure you understand the key differences between these two financing alternatives and ask all the right questions. More detail information can be found... Read more The post Should You Lease or Buy A Car? Infographic appeared first on MoneyProblems.ca.
  • What’s Your Money Personality?

    Sarah Milton
    17 Jun 2015 | 5:00 am
    “Lack of money is never a problem; it’s the symptom of a problem.” – T. Harv Eker The psychology of money is one aspect of money management that tends to get overlooked when it comes to financial planning and debt counselling. In the financial industry we focus very strongly on... Read more The post What’s Your Money Personality? appeared first on MoneyProblems.ca.
  • The Bank of Mom & Dad Facing Financial Strain

    J. Douglas Hoyes
    10 Jun 2015 | 5:00 am
    The phrase “bank of mom and dad” is used as witty humour to highlight the fact that our younger generations are beginning to lean on their parents for support when it comes to paying for costly investments such as schooling, a car or even a house.  It’s not uncommon for parents... Read more The post The Bank of Mom & Dad Facing Financial Strain appeared first on MoneyProblems.ca.
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    JoeTaxpayer

  • Leaving a Job? What to do with your 401(k)

    Joe
    9 Jul 2015 | 4:00 am
    I was listening to my local news station when a segment came on, a 5 minute bit of money advice with a local author and financial planner, Jonathan Pond. I like his conservative approach. What’s unfortunate is that a quick few minutes to discuss any financial topic is going to miss some important details. In this case, the host asked what one should do with their 401(k) when they leave a job. Jon’s answer was to not leave it languish in the old account, to move it to an IRA. I hope listeners took that advice as “don’t forget about the 401(k), get more…
  • I got rich on credit card points

    Joe
    18 May 2015 | 4:00 am
    The David (as I fondly call the entertainer Dave Ramsey) is known for his hyperbole. And his “my way or the highway” view on all things financial. One of his more memorable quotes is “No one ever says they got rich off of credit card points.” It seems to me that if I say so, and offer some supporting evidence, then he’s wrong. If he ever repeats himself, you can reply and tell him you know a guy that did. Let’s start here. This is a snapshot of my 529 account funded solely with the 2% cash back from my credit card. In 2012, I wrote a guest post How I Made…
  • Retired, with mortgage

    Joe
    16 Apr 2015 | 4:00 am
    I’d always thought, and advised others, that to retire, one should have their mortgage paid in full. And that was always my own plan. But, anyone who knows finance knows that you can’t plan on an exact stock market return, you can’t plan on your own health being excellent, nor your marriage outlasting your mortgage. In our case, these things actually all are going pretty well, thank-you. What changed was our income which I posted about a few months back. While we were working, we saved, over 20% per year on average. We topped off the 401(k)s and IRAs, and put aside money for…
  • Still Hungry, Still Walking

    Joe
    30 Mar 2015 | 4:00 am
    A message from my friend, Stephanie – Hello JoeTaxpayer readers! I’m Stephanie, and I blog over at Graduated Learning.  For the past few years, Joe has been incredibly generous by donating to the Walk for Hunger, providing challenge funds toward my fundraising efforts.  It’s been great having that extra push to get family and friends to donate to this very worthy cause.  I’m excited that he’s offered up a challenge for my 4th year doing the Walk! So, here’s some quick information about the Walk for Hunger: The Walk for Hunger is an annual fundraising…
  • What’s happening to FSB?

    Joe
    13 Dec 2014 | 3:00 am
    A  post aimed at my friends across the pond – I don’t know if you’ve noticed, but there is currently a huge push on Financial Spread Betting (FSB). Just about everywhere you look, it seems, there is a bright and shiny offer to take the plunge and enjoy the thrills, spills and rewards of riding the market. Don’t tell me you haven’t noticed. Now, there is plenty to be said about FSB, but no-one seems to be saying anything very much about this all-too visible marketing trend. So let’s do just that; exactly what is going on with FSB right now? by kenteegardin Clearly the main…
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    Financial Samurai

  • Who Is The Typical Financial Samurai Reader?

    Financial Samurai
    29 Jul 2015 | 2:48 am
    Ever wonder the demographics of who else is reading and commenting on Financial Samurai? I’ve always felt the community here is one of the most financially savvy on the web based on my interactions with so many of you. I just didn’t have a post to prove my belief until now! Polls are a great way to anonymously figure out what other people are thinking and how other people are doing. Everything is relative when it comes to personal finance since we all live in one of the most prosperous countries in the world. Everybody wants to know their position vis a vis another. It’s the…
  • What Happens When A P2P Borrower Stops Paying?

    Financial Samurai
    27 Jul 2015 | 2:38 am
    I’ve been an investor with Prosper, a peer-to-peer (P2P) lending company since 2012. I usually check my account once a quarter to view my performance and to re-invest cash that has come in from borrower payments. Per my latest passive income update, the annualized return of all of the notes in my portfolio is 7.41%. Better than a swift kick in the nuts! With rates expected to rise by perhaps as much as 2% over the next several years, I suspect the returns on P2P lending will also commensurately increase. As a result, I plan to allocate more of my free cash flow into Prosper in $10,000…
  • Should I Buy A Home In A Rising Interest Rate Environment? Explaining The Fed Funds Rate

    Financial Samurai
    24 Jul 2015 | 3:28 am
    Executive Summary: * You’ll learn why a rising Fed Funds rate doesn’t necessarily mean rising mortgage rates. * The main determinants of buying a home. * Where we are in the property market cycle. * You can always refinance. You can never change the purchase price of your home. Fed Chair Janet Yellen has signaled her crew will be raising rates by 2016. As a result, you are hearing everybody from real estate brokers to market pundits in the media say, “Buy now before it’s too late!” There’s nothing like a little Fear Of Missing Out to get people to make big…
  • Solving Financial Insecurity To Live More Freely

    Financial Samurai
    22 Jul 2015 | 2:48 am
    We all suffer from financial insecurity to some degree because society can be cruel and the future is always unknown. Financial insecurity is the reason why we tend to stay in cash long after the signs of a recession are over. Financial insecurity is the reason why we work long after we need to because we fear some financial disaster might wipe out all our wealth. Financial insecurity is why we buy insurance! In a positive light, being financially insecure helps us become more financially secure because we take action to get rid of such an uncomfortable feeling. But after a certain point,…
 
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    Personal Finance Blog

  • Chrysler Recalls 1.4M Vehicles After Hacking Incident

    Twila VanLeer
    25 Jul 2015 | 12:53 pm
    In a testing situation, a remote user disabled this vehicle’s brakes sending the car into a ditch.Imagine yourself traveling down the freeway when a hacker suddenly takes control of your vehicle. It’s a scary thought. And some automotive experts recently proved that is could be done. First Chrysler Automotive NV issued recalls for some 1.4 million cars and trucks equipped with radios that were shown to be conduits for hacking, based on the results of the experiment. It involved a group of software programmers who proved that a Jeep Cherokee being driven down a Missouri highway could…
  • Millennials Confident For Future

    Twila VanLeer
    22 Jul 2015 | 6:56 am
    That group of Americans who became young adults just as the new century arrived – collectively known as Millennials in the current vernacular – are probably more job-savvy than their older peers and more optimistic about their role in the nation’s economy. By 2025, they’ll make up 75 percent of the nation’s workforce. They see the future through rose-colored glasses and have confidence in their ability to find the job they want. They put a high premium on rapid advancement in their chosen field and they want to be well-paid for what they do. The necessity to repay student loans is…
  • Fraud And Liability Charges For Merchants

    Twila VanLeer
    21 Jul 2015 | 4:48 pm
    EMV credit cards are being accepted at over 78,000 merchants.More and more credit and debit cards containing fraud-busting chips are showing up at the point of purchase. Creditcard.com reports 78,800 merchants have installed EMV technology. That’s good news for most individuals, but have become a source of concern for small businesses that can ill afford the equipment needed to handle the new cards. Banks and credit card companies hail the advanced technology as a way to sharply reduce fraud opportunities. They are distributing the cards and phasing out magnetic strip cards that are easier…
  • When To Close A Credit Card

    Twila VanLeer
    12 Jul 2015 | 3:01 pm
    Keep the number of credit cards you have to a minimum.If you are like most Americans, you are besieged with offers to try a new credit card, often offering a lower interest rate or more rewards than the one you are currently using. How to decide, short of accumulating a fistful? Closing out one of your current cards to accommodate another may make good economic sense, but it also can have a downside. Closing out a card you have had for a long time may cause a temporary dip in your credit rating. Some card holders opt to hold onto their old, established cards rather than swap for a…
  • Digital Wallets Replacing The Pocket Bulge

    Twila VanLeer
    9 Jul 2015 | 9:21 am
    Smartphones are the new digital wallets.What has happened to the traditional wallets that were a pain in the hip pocket or another item to lose in your purse? As predicted by tech gurus for years, they are being displaced by smartphones which can be digital wallets. Even those who still rely on cash or plastic when they shop may soon succumb to the newer, more efficient digital wallets that are being offered by the tech companies. Store-issued credit cards and store rewards programs are coming via Apple Pay and it really gets into the mobile payment services it began last fall. Google is…
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    Unbiased financial advice from fee-only financial planners

  • Economist Breaks Then Fixes Her Retirement Plan

    David Blain
    30 Jul 2015 | 1:28 am
    This article from Financial Advisor magazine perfectly illustrates the lack of knowledge among do-it-yourselfers, including Ivy League economists, when it comes to creating a retirement plan. Beware the person bearing degrees and credentials who isn’t financially successful. The post Economist Breaks Then Fixes Her Retirement Plan appeared first on BlueSky Wealth Advisors.…
  • Are There Any Disadvantages Associated With Paying off a Mortgage Early?

    Sam Fawaz, CPA, CFP®
    27 Jul 2015 | 2:00 am
    I’m often asked if it makes sense to pay off a mortgage early or invest the cash in the markets. As is often the case in personal finance, the answer is, wait for it…..it depends. The disadvantages, if any, may stem from the financial trade-offs that a mortgage holder needs to make when paying off the mortgage. Paying it off typically requires a cash outlay equal to the amount of the principal. If the principal is sizeable, this payment could potentially jeopardize a middle-income family’s ability to save for retirement, invest for college, maintain an emergency fund, and…
  • Handling Your Credit Cards

    Kimberly J. Howard, CFP®, CRPC®, ADPA®
    27 Jul 2015 | 1:04 am
    Most people have credit cards. Your credit score matters, so don’t take it for granted. And if it is low, here are ways to give it a turbo boost. The most commonly used credit score is from FICO, and it … Continue reading →…
  • How to Interview Your (Potential) Financial Adviser

    Jim Blankenship, CFP®, EA
    27 Jul 2015 | 1:00 am
    As individuals need help with their finances and investments they will likely turn to the help of a qualified professional. Their future financial adviser may come via referral from a trusted friend or family member, or through an extensive Internet search. The following is a list of questions (and answers to look for) that individuals can ask their potential adviser to see if he or she is likely to be a good fit and more importantly, act in the client’s best interest. Are you a fiduciary? If yes, move to question 2. If no, thank them for their time and …
  • The Behavior Gap: Finding Your Financial Balance

    Matthew J. Illian, CFP®, AIF®
    27 Jul 2015 | 1:00 am
    Recently, I read The Behavior Gap written by Carl Richards, a financial planner and The New York Times columnist. Richards is best known for communicating complex financial concepts using simple back-of-the-napkin sketches. I enjoyed his winsome way of leaning against the emotional reactions we all have to volatile markets. His self-deprecating approach worked well to communicate some very non-intuitive wealth management principles. Here is an excerpt from  the book: Finding Your Financial Balance Planning for your financial future is about making trade-offs. It’s largely a question of…
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    Budgets Are Sexy

  • Challenge Savings Update: $4,738.13

    J. Money
    29 Jul 2015 | 2:02 am
    Month #10 locked and loaded! Just two more months to go and our 12 month mission of savings will be complete :) Going by pretty fast too, eh? Gotta put those plans into effect TODAY if you want to see big results later! It all adds up over time! Here’s where our savings account is now after 10 months: Pretty wild… Almost $5,000 banked from tiny changes here and there, which would have totally slipped through the cracks if I didn’t go out of my way to track and separate it out. I know I sound like a broken record over all these months, but creating that new savings account…
  • Are You Financially Stable? Take This Test.

    J. Money
    27 Jul 2015 | 2:10 am
    I’m a sucker for new tests, and Laurie over at Well Kept Wallet just put out a fun one to determine how financially stable we are. There’s 20 questions to it, but most of them you should be able to answer in 2-3 seconds. The ones that take longer you can save for later to extend the joy ;) Here are the 20 questions below, along with my answers next to them. I’m going to guess I’ll do fairly well considering all I do is think and write about money, but if not I give you full permission to call me out :) And then I’ll retire this blog shortly thereafter. Time for…
  • Do You Know Your Lifetime Wealth Ratio?

    J. Money
    24 Jul 2015 | 2:02 am
    In case you weren’t aware, this week is the 2nd National my Social Security Week. An event so glorious to money nerds that I can’t believe I almost missed it! ;) I got an email saying to pass it along to all my colleagues, friends and family, so here you are: July 19th through 25th marks the celebration of our second National my Social Security Week. Since you have an account, you are aware of what a great financial planning and benefit management tool it is! We hope that you take this opportunity to spread the word to your colleagues, friends and family, about the benefits of…
  • Mansions & Mobile Homes

    J. Money
    22 Jul 2015 | 2:02 am
    While at the beach last week, I was reminded of how much I love being surrounded by million dollar homes. I know you’re not supposed to get envious of The Joneses and all their things, but I make an exception for mansions. They motivate the crap out of me! Why? Because IT TAKES A TON OF MONEY to be able to afford one of them, and these guys managed to pull it off. Or maybe they inherited it or mortgaged their asses off and are in a ton of debt, I don’t know, but either way I like to pretend they’re ballers and bought them outright with cold hard cash. It fuels me further :)…
  • The One Drawer Challenge

    J. Money
    20 Jul 2015 | 2:02 am
    Hey guys! Back from the beach and playing catch up (why do you always need a vacation after a vacation?), but wanted to pop in and give you a quick challenge today. And that’s simply to: Open up one drawer today and declutter the crap out of it! It could be an office drawer, desk drawer, kitchen drawer, clothes drawer, or better even – a drawer you haven’t looked inside of for years :) One of the ways I was able to get good traction with our Challenge Everything savings (update coming soon!) was to take stuff slow and focus on one area at a time. This not only made it much…
 
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    Financially Poor

  • Be Smart: How to Stay Out of Debt

    Kevin
    29 Jul 2015 | 10:08 pm
    There are more people in financial debt today than for a very long time. Given the fairly recent recession, this is perhaps understandable. However, as much as those in debt today cannot be held wholly accountable for their financial struggles, many of them might be in a far stronger position now, had they exercise a little more caution with their personal finances. Whether you are personally in debt now or if you are out of debt (and would like to stay that way!), the following tips should be very helpful.  Budget It is inconceivable just how many individuals or couples do not have a…
  • What is Trade Finance?

    Kevin
    27 Jul 2015 | 9:48 pm
    If you are involved in businesses that regularly engage in international trade, it would be extremely helpful to have a trade finance account to help mitigate the risks associated with international purchases. Of course, we normally pride ourselves in being able to establish strong relationships with our business partners, but in the end this is no substitute to fair risk management via trade financing.  Some of the scenarios where trade financing is an extremely valuable arrangement are as follows:  Suppose you are purchasing goods from a supplier based in another country and that supplier…
  • Like Bargains? Us too!

    Kevin
    25 Jul 2015 | 9:12 pm
    We all want to save money.  For some of us, that means avoiding eating at restaurants.  For others, it means cutting back on designer soaps.  However we do it, the takeaway is the same: times be tight (what the kids are saying; try to keep up).  Because we are so obsessed with finding good deals, we’ve seen organizations like Groupon emerge with multi-billion-dollar valuations.  What does this mean?  Finding bargains is big business, especially if you’re good at it.  But it’s not just finding bargains.  Groupon has revolutionized the way that we view sales, and produced more…
  • The Biggest Gamble We Must All Make

    Kevin
    23 Jul 2015 | 8:48 pm
    I never finished college. I just didn’t like learning things that had nothing to do with what I wanted to do in life. Especially when I really didn’t know what I wanted to do in life. I chose the path of pretty much not going to college and I don’t regret it. I’m taking a gamble and I hope it pays off. I was lucky in that I didn’t have to take out any unsecured personal loans and end up getting nothing out of it. Go to college The story these days is that you go to college, get a degree, and then stay at your parents house because you can’t find a job. As the economy goes south,…
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    Couple Money

  • How to Save Money on Kids’ Clothes

    Elle Martinez
    27 Jul 2015 | 8:03 am
    This weekend the four of us went shopping for some new clothes. It’s been awhile since we’ve done this- having two kids in the house has certainly kept us busy! Picking up clothes for the girls was fun, so many choices and sales. With those adorable outfits, I had to remind myself to stick with the budget. Sometimes it can be tempting to buy all those adorable outfits, but kids’ clothes can also be a huge budget buster. The good news is that you can dress your little ones without wrecking your family’s finances. I want to share some of my favorite tips so your little…
  • 2015 Cheap Smartphone Plans Guide for Couples

    Elle Martinez
    23 Jul 2015 | 1:38 pm
    Like many couples, my husband and I have had cell phones for years. I remember my first one – it was a Nokia; small enough to fit in your hand and had a green screen. With it came an unlimited plan for $50/month. As the phones gotten better and coverage has grown, we noticed our bills were going up as well. We decided that we tired of contracts and pricey plans so we took the time to find better deals with smartphone plans. Finding Cheap Smartphone Plans If you feel the same way, here are some innovators and discounters to check out. My criteria for the list were: Cheap prices…
  • Watch TV Without Paying a Ton of Money

    Elle Martinez
    20 Jul 2015 | 10:05 am
    As the Summer of Savings continues, we’re looking at your TV bill today. We’re seeing there are good  alternatives to cable TV? While we don’t pay to watch live shows, many couples want to catch them. The problem is that cable TV seems to be more and more expensive. Cheaper Cable TV Alternatives If you’re sick and tired of expensive cable bills here are some services and negotiation tips you can use to save money. Free TV with Antenna Depending on where you live, you can free basic TV service using an antenna. One of the headaches, though, is getting a good…
  • Keeping Household Purchases in Check

    Elle Martinez
    16 Jul 2015 | 7:58 am
    I was reviewing our expenses over the last few months and I noticed something. There were several purchases where I couldn’t remember everything that we bought. We’re not victims of identity theft (oh, that would be a more pleasant explanation). It’s something worse – we’ve been spending and shopping without a plan. Since I handle many of the day to day purchases, I hold myself responsible. Ouch. Have I been throwing away our money on yachts or lottery tickets? No, our wasted expenses seem to be from an innocuous sounding part of our budget – household…
  • Meal Planning: Slash Your Grocery Bill and Free Up Your Nights

    Elle Martinez
    13 Jul 2015 | 10:52 am
    Besides housing, food is a huge expense with many couples. Most couples I know want to eat well, but they may be limited with their budget or their time. If you’re not a fan of making elaborate meals after a long day of work, but you do want to have delicious and healthy dinners, meal planning can be the ticket. What is Meal Planning? Meal planning as the name suggest is about having a menu prepared for future meals. That’s it. It’s so versatile – you two can adjust based on your budget, dietary needs, schedule, and personality. I know some couples prepare their…
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    Beating Broke

  • Our Cross Country Move: One Year Later

    MelissaB
    13 Jul 2015 | 5:35 am
    Almost one year ago, our family made the move from Chicago to Tucson, Arizona.  Honestly, I wasn’t that excited to be moving so far away from my family in the Midwest, but we thought the move would only be for two or three years.  The move was a smart choice for my husband’s career (something we still believe), so I tried to make the best out of it. Now, a year later, I’ve found that a cross country move can evoke a wide range of positives and negatives. The Positives Keeping in touch with relatives is easy, thanks to technology.  My mom has made the trip out to Tucson three times in…
  • Frugal Multi-Cultural 4th of July Party Suggestions

    MelissaB
    1 Jul 2015 | 5:22 am
    The 4th of July is just around the corner, and with it, the official launch of summer.  A favorite American pastime, a barbeque 4th of July party offers you the chance to enjoy the weather and the company of friends while enjoying tasty foods.  If you don’t have much money to devote to entertaining, consider moving beyond the traditional favorites of hamburgers and hot dogs and trying some of these unique, cultural party food ideas. Main Meals –Fajitas on the grill.  Buy some lower cost steak, chicken breasts and shrimp.  Season them, grill them, and then mix them together so each…
  • Are You Ready for a BIG Emergency?

    MelissaB
    15 Jun 2015 | 6:40 am
    Are you ready for a big emergency?  Do you have the required 6 to 12 months’ emergency fund? I can hear your groan now.  Who has enough extra money to put aside 6 to 12 months in the bank?  If you have expenses of $3,000 a month, an ample emergency fund of 6 to 12 months would be $18,000 to $36,000.  Definitely not small change. An emergency fund is hard to build, and that may be part of the reason why many people never even try. Original image credit: https://flic.kr/p/7KLtYi But there will be an emergency that will occur sometime in your life.  You will need that money. Financial…
  • Stretching Your Produce Budget Further

    Shane
    12 Jun 2015 | 5:45 am
    Anyone who has made a simple budget has struggled with making their food budget fit with the rest of the budget.  If you attempt to eat healthy, one of the biggest components to a food budget is the produce.  Stretching your produce budget can be somewhat difficult.  Growing seasons are short, and the cost of produce keeps going up.  But, there are a few things we can do to stretch that produce budget, and make it a bit easier on your overall budget. Stock Up on Sale: buying your produce on sale allows for you to stock up when the item is cheaper, then store it until you need it.  …
  • Earn Rewards with Swagbucks

    Shane
    9 Jun 2015 | 8:58 am
    It’s been a while since I last wrote about Swagbucks.  A little over a year to be exact.  And almost 3 years before that.  I’ve been using Swagbucks for a long time, I guess.  What is Swagbucks? Swagbucks is a rewards program.  You earn rewards called Swagbucks for doing a variety of activities.  What sort of activities?  Glad you asked. Swagbucks Search This is probably the easiest way to earn Swagbucks.  You can install the Swagbucks add on for your browser and set the Swagbucks search as your default search so that when you search in the location bar it directs you…
 
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    Stack The Chips

  • 4 Reasons Why You Should Choose A Credit Union

    Edwin C
    17 Jul 2015 | 12:16 am
    While no one would ever recommend keeping your life savings in shoe boxes under the bed, it’s also tough to recommend any of the major banks. If you take the time to look through your monthly statements, you’ll see that an inordinate amount of your money is taken from you in the shape of fees and penalties. It’s all the more irritating when you read about the massive profit margins that the big banks are pulling in each and every year. This is why community banks and credit unions are rising in popularity all across the country. Let’s look at 5 reasons why you should…
  • 3 Financial Steps Young Adults Must Take

    Edwin C
    25 Apr 2015 | 12:36 am
    You’ve finished school and you’re finally out on your own. Sure, you had a part-time job as a student, but really you were financially supported by your parents (or maybe even student loans for college). To some extent, that requires you to learn money-management. But your financial situation was probably never truly dire. Now, though, things are different. You are solely responsible for all your bills and you seem to have more of them than ever before. Here are some ways to give yourself the best shot at staying above water. 1. Create a budget It’s way too easy to think you’re…
  • 5 Ways You Can Invest Your Tax Refund

    Edwin C
    24 Mar 2015 | 12:11 am
    When you think of investing money, you normally think about the return on your investment. When it comes to investing, you have to remember that higher the risk of the investment, the higher the return. If you’ve received a tax refund this year, you might be wondering where you can invest your money. Here are a few ways you can invest your refund this year. Bonds, Bank CDs & Insurance Investment in Bonds, Life insurance and bank certificates of deposits are the safest ways to invest money. Those are safe investments they often give you a very low return on your investment. They can…
  • 7 Income Streams Anyone Can Create

    Edwin C
    19 Feb 2015 | 10:40 pm
    Lets face it, the days of having one job your whole life, retiring and receiving a nice pension are gone. For years our parents and grandparents put their hearts and souls into companies looking forward to their retirement date. Unfortunately, that type of job security is long gone and it’s more important than ever to have multiple income streams in case something doesn’t work out and you suddenly need to add to your income. Read on for 7 income streams anyone can create. Save Your Raise If you get a yearly raise, but can live on what you were making before, put the extra money in the…
  • Store Credit Cards: The Pros And Cons

    Edwin C
    23 Jan 2015 | 1:33 am
    You’re at the checkout counter at your favorite department store and the clerk asks if you’d like to open a store card. You hesitate. They sweeten the deal by offering you 15 percent off your purchase. What do you do? Here in this post I’ll provide an unbiased view on store credit cards. Store credit cards are just one way that businesses make money. The clerks are trained to push the plastic cards in hopes that frequent customers sign up and rack up the balances. Often, cards come with high interest rates which will mean more money for the store. If you’ve ever been…
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    MichaelHaltman.com

  • Customers and Cleaners Alike are Cleaning Up with Handy

    MichaelHaltman
    29 Jul 2015 | 6:48 pm
    In today’s fast paced world, cleaning your house seems to be low on the list of things to do. Whether you are a bachelor just moving into your first place or new parents that both have to work, house cleaning is a difficult, and often overlooked aspect of daily living. No one wants to come home after a hard day at work and spend 2-4 hours cleaning the house. The same applies for the weekend, when most people want to be out having fun and enjoying their days off. This leaves people with very few options and they begin to resent the fact that they have to miss out of fun activities in…
  • Eucatex Offers Experience And Expertise

    MichaelHaltman
    29 Jul 2015 | 2:09 pm
    The Business from Brazil Eucatex is a company that will offer integrity along with experience. This company is greatly trusted and valued and has been going strong since the year 1951. This began in Brazil. They manufacture and produce wood fiber panels in foreign market. A Domestic Leader This company is a domestic leader in *insulating materials, *wall partitions *ceiling lining, and *flooring markets. They are second in the lead for being a producer of wood fibers in the foreign market. In the year 1996, the market share was 41 percent. The current market share is 16 percent in this…
  • Fersen Lambrahno: Engineer, Entrepreneur and Activist

    MichaelHaltman
    28 Jul 2015 | 8:47 pm
    Fersen Lambrahno of Brazil entered his illustrious career as an engineer upon obtaining a degree in civil engineering from the Universidade Federal do Rio de Janeiro, or UFRJ as it is colloquially termed. However his career path would later crystallize into a more straightforwardly business-oriented model when he attained a Master’s degree in business administration from a subset of the same institution. His subsequent term at Harvard Business School further honed his business acumen. In 1998 Lambrahno joined the team at GP Investments, a Latin American investment firm headquartered in…
  • Servicemesh CEO and Entrepenuer Eric Pulier

    MichaelHaltman
    28 Jul 2015 | 7:56 pm
    Today’s electronic technology far surpasses what most people would have ever dreamed possible as little as 10 years ago. Computer technology changes almost daily, and the demands placed on technology companies to constantly improve their product is all-consuming. Determination and creativity are traits that are imperative in order to stay ahead of the game, and those traits are what propelled Eric Pulier, former CEO of Servicemesh, into a lead position at one of the top global cloud-management entities. His innovation has won him funding from elite venture capital firms and he has…
  • Citibank’s Deceptive Practices Costs The Bank $700 Million In Penalties

    MichaelHaltman
    27 Jul 2015 | 11:08 pm
    Americans have a love-hate relationship with banks. The American public needs banks to operate in this capitalistic society, but people pay a high price for doing business with banks. The big banks are too big, according to presidential candidate Bernie Sanders, and he is right. Banks do what they want, when they want because they have bought and paid for political protection. Banks tend to stretch a penny into a dollar using financial tactics that are often deceptive and unlawful. The recent case against Citibank is a good example of how banks add billions to their bottom lines at the…
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    The Economic Peephole

  • Customers and Cleaners Alike are Cleaning Up with Handy

    MichaelHaltman
    29 Jul 2015 | 6:48 pm
    In today’s fast paced world, cleaning your house seems to be low on the list of things to do. Whether you are a bachelor just moving into your first place or new parents that both have to work,... [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • Eucatex Offers Experience And Expertise

    MichaelHaltman
    29 Jul 2015 | 2:09 pm
    The Business from Brazil Eucatex is a company that will offer integrity along with experience. This company is greatly trusted and valued and has been going strong since the year 1951. This began in... [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • Fersen Lambrahno: Engineer, Entrepreneur and Activist

    MichaelHaltman
    28 Jul 2015 | 8:47 pm
    Fersen Lambrahno of Brazil entered his illustrious career as an engineer upon obtaining a degree in civil engineering from the Universidade Federal do Rio de Janeiro, or UFRJ as it is colloquially... [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • Servicemesh CEO and Entrepenuer Eric Pulier

    MichaelHaltman
    28 Jul 2015 | 7:56 pm
    Today’s electronic technology far surpasses what most people would have ever dreamed possible as little as 10 years ago. Computer technology changes almost daily, and the demands placed on... [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • Citibank’s Deceptive Practices Costs The Bank $700 Million In Penalties

    MichaelHaltman
    27 Jul 2015 | 11:08 pm
    Americans have a love-hate relationship with banks. The American public needs banks to operate in this capitalistic society, but people pay a high price for doing business with banks. The big banks... [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
 
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    Money Spruce

  • Top 5 Tips to Easily Cut Down on Daily Expenses

    Justin Weinger
    26 Jul 2015 | 3:00 am
    Most consumers today are consumed with cutting down on expenses (probably due to their also being consumed by enormous debt).  The fact is however that most of us are wasting money every single day on things that we absolutely don’t need and, because we don’t think about them, we keep wasting more. Today’s blog will give you 5 excellent tips to quickly cut daily expenses starting today. Enjoy. Tip 1: Bring lunch from home. If there was a way that you could save $50,000 over the typical 40 year career, would you do it? By bringing your own lunch from home you could save $25…
  • Top Job Tips for College Grads

    Justin Weinger
    19 Jul 2015 | 3:00 am
    It’s an annual rite of Spring; College graduation. These days however, with an increasingly tough job market, college graduates need to do as much as possible to make themselves employable. Today’s blog will help them to do just that, with some top job tips for recent college grads. Congratulations, and enjoy. Tip 1: Take a few weeks to volunteer and make contacts. Any type of volunteer experience is a great way to network, especially if you can volunteer with an organization that has some sort of relationship to your respective career plans. Tip 2: Attend as many hiring events as you…
  • Everything a College Grad needs to Know that they Weren’t Taught in College

    Justin Weinger
    12 Jul 2015 | 8:15 am
    As graduation day gets closer many college grads will be looking for their first ‘real’ job and setting out on their own financial path.  But here’s the thing; many of the basic concepts about finances, credit scores, IRAs and much more were never taught to them in school.  For many, that will lead to trouble ahead, financially-speaking. This blog aims to correct this large college oversight.  Enjoy! First and foremost, start saving for retirement NOW.  Yes, retirement seems like a million years away.  It’s not.  In fact, if you work for 40 years, it’s only 14,600 days away. …
  • 5 Tips for Moving Day

    Justin Weinger
    12 Jul 2015 | 6:06 am
    Moving day can be a very stressful day. However, with a bit of planning it can be a little less stressful. This article will provide you with five tips for moving day to make it as pleasant as possible. Move Yourself When moving local it is okay to rent a moving truck and move yourself. It may seem easier to have movers come in and do the move for you yet the prices they charge will make you want to cry. Instead, enlist the help of friends and family and you can save loads of money on your move. Additionally, if you are able to move during the week you will save even more money because moving…
  • 7 Excellent Tips to Save Money

    Justin Weinger
    30 Jun 2015 | 2:00 am
    Looking for some easy to implement saving techniques? If you are, you’re in luck, because today’s blog is all about how to save every day and stick to your budget. Enjoy! Tip1) Clip coupons at the Library. If you buy the newspaper every week just to get the coupons, you’re wasting money. You can usually get them at the library for free (and they usually don’t mind). Tip 2) Find the lowest priced grocery store in town and make it yours. Think Walmart has the lowest prices on food and sundry items? Think again. Dollar stores have excellent prices on things like…
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    Good Financial Cents

  • Don’t Fall Victim to Financial Complacency

    Jeff Rose
    28 Jul 2015 | 8:24 pm
    “Whatever you do, don’t become complacent to your surroundings.” That was a warning that we all received prior to being deployed to Iraq in 2005. We heard it from our pre-deployment trainers. We heard it from our higher ranking officers. We even heard it from our family. Don’t become complacent to your surroundings. The second part of that warning that often went unspoken – but was clearly understood – was “because if you do, that’s when the enemy will get you.” Becoming complacent is sometimes too easy. You get comfortable. You get into a routine. You think that it can…
  • 15 Ways to Invest Small Amounts of Money (and turn it into a large amount of money)

    Jeff Rose
    26 Jul 2015 | 9:39 pm
    In 16 Ways to Invest $100 I gave suggestions on how to invest when you have just a few dollars. In this article I want to take it up a notch, which is to say how can you invest when you have more than a few dollars, but not the thousands that traditional investment vehicles usually require? Before I started investing, I was under the same misunderstanding that you had to have thousands of dollars to get started. I was surprised, shocked really, that I could start investing in the stock market via mutual funds with only $50 per month. And that’s exactly what I did.  Even though I later…
  • My Biggest Business Challenge and How I Overcame It

    Jeff Rose
    22 Jul 2015 | 3:55 am
    I’d like to share my biggest business challenge inspired by the Office Depot Business Solutions Center as part of a sponsored post for Socialstars #GearLove. If you were to poll business owners and ask them what their biggest business challenge was or is, I bet many of them would point to starting their business as the winner. That’s certainly true in my case. Entrepreneurial types like myself want to get things done as quickly as possible but at the same time want to focus their efforts on the quality of their service. Back in the days when I was a Series 7 Registered…
  • 6 Safe Places to Invest Your Money in Retirement

    Jeff Rose
    21 Jul 2015 | 6:40 am
    “If I was your mom, how would you invest my money?” A lady who I had previously helped with her aunt’s investments for years now came to me regarding up her upcoming retirement. She was already working with a “broker” as she called him but didn’t feel 100% secure about her investments. The 2008 financial crisis rocked her and she was seeking something much safer for retirement. As we discussed her various options and I asked open-ended question after another she finally asked me that question above: If I was your mom, how would you invest my money?
  • How to Avoid Getting Burned by Devastating Financial Malpractice

    Jeff Rose
    19 Jul 2015 | 5:16 am
    Several years ago, I used to play in a flag football league. After catching a pass, I hit the open field and between me and the end zone was one lone defender. As I glided across the field I knew exactly what I was going to do next: I was going to bust out one of my vicious Barry Sanders-like spin moves. There was only one slight problem: I don’t possess any Barry Sanders-like skills. Oh, yes, I’m decently athletic. But busting out such a move in the open field was not in my forte. As I went to make the move, my cleats caught awkwardly on the ground and I ended up falling and landing…
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    One Family's Blog

  • Tracking Michael Price's MFP Portfolio - Q1 2015 Update

    ks
    29 Jul 2015 | 7:21 pm
    Below is a spreadsheet that highlights the changes to Michael Price's MFP Portfolio US long stock portfolio as of Q1 2015. Please check out our previous update to have an idea on how the portfolio is progressing: 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 Edward Lampert's RBS Partners Portfolio - Q1 2015 Update

    ks
    29 Jul 2015 | 7:13 pm
    Below is a spreadsheet that shows the changes to Edward Lampert's RBS Partners US long portfolio holdings as of Q1 2015. 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 Jim Chanos' Kynikos Portfolio - Q1 2015 Update

    ks
    29 Jul 2015 | 7:07 pm
    Below is a spreadsheet that shows the changes to Jim Chanos' Kynikos US long portfolio holdings as of Q1 2015. To have an idea of how the holdings have progressed click on our previous update: As Kynikos is focused on short-selling, his long positions covered in the 13F are probably hedged. For an introduction to short-selling, check-out the book "Short Stories from the Stock [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • Tracking Dinakar Singh's TPG-Axon Portfolio - Q1 2015 Update

    ks
    29 Jul 2015 | 9:33 am
    Below is a spreadsheet that shows the changes to Dinakar Singh's TPG-Axon US long portfolio holdings as of Q1 2015. 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 Mark McGoldrick & Jason Maynard's Mount Kellett Capital Management Portfolio - Q1 2015 Update

    ks
    29 Jul 2015 | 9:25 am
    Below is a spreadsheet that shows the changes to Mark McGoldrick & Jason Maynard's Mount Kellett Capital Management US long portfolio holdings as of Q1 2015. 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 [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
 
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    Winship Wealth Partners: San Francisco Financial Advisor

  • Philanthropy 101: What to do with your Yankees tickets behind the dugout.

    admin01
    29 Jul 2015 | 7:36 pm
    I was recently at lunch with a friend when he received a text from another one of his buddies. His friend was at a day game at Yankee Stadium and texted my friend a picture from the left field seats. It was a beautiful day for a baseball game and my friend’s buddy appeared to have excellent seats. As you can see in the picture, it looks like they’re only about 10 or so rows from the field. After glancing at the picture, though, something else caught my attention. Look closely at the picture. Look past the fans in the left field seats and past the players on the field. What catches your…
  • Even Harvard economists make investing mistakes!

    admin01
    22 Jul 2015 | 3:07 pm
    Earlier this week, the New York Times featured a great piece from Harvard economist Sendhil Mullainathan. The piece was called “Why Investing is So Complicated, and How to Make it Simpler.” In it, Mr. Mullainathan discusses his own feelings and anxiety surrounding his investments and his retirement planning. Mr. Mullainathan discusses a number of feelings that I commonly see in investors. He feels guilty for procrastinating and feels anxious because he doesn’t understand the jargon. He wonders why it all has to be so complicated. He then touches on a number of potential solutions for…
  • Lessons Learned From Big Disasters: Chaos Is Temporary

    admin01
    14 Jul 2015 | 11:16 pm
    Last week was quite a week, wasn’t it? The drama that played out in Athens left Europe – and much of the world – on edge. Until it signed a deal with its creditors, Greece may have been forced to default on its debt, which ultimately could have led to its exit from the European Union. What that would mean for the rest of the EU is anyone’s guess. Perhaps more disturbing were the reports from inside Greece. The government was reportedly out of cash, which would have meant disaster for a population that largely lives off of government employment or pensions. Imports to the tiny…
  • Why Looking At Your iPhone Can Cost You Thousands

    Craig Slayen
    22 Oct 2014 | 12:12 am
    For better or for worse, smartphones are here to stay. They provide convenience and ease that was unthinkable 20 years ago. Not only are we able to call or send a text message to anyone in the country with the touch of a few buttons, the explosion of mobile internet has put the world wide web in our very hands. This sounds like a good thing, but can be potentially disastrous to your investments. If you find yourself standing in line at the local Starbucks, you will invariably see people whipping out their iPhones to pass the time. We don’t want to miss the latest email or Facebook post. We…
  • 3 Reasons Why Active Investing Makes You a Loser

    Craig Slayen
    25 Sep 2014 | 1:10 am
    Humans are usually logical creatures when it comes to money.  If we are offered a raise at our current job without any increase in workload, we’ll take it.  If we see a 50% off sale for a home appliance we really need, we will try to take advantage of that sale before it goes away.  If we see a product is selling less online than in the store, we’ll get it online and save the time and money it would take going into the store to buy it.  But for some reason, logic and reason go out the window when it comes to investing. When most people think of investing, they think of people…
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    Cash The Checks

  • 4 Ways To Pay Off Your Car Loan Early

    Edwin C.
    17 Jul 2015 | 12:23 am
    The typical car loan lasts for 5 years, which isn’t a long time in the grand scheme of things, but paying that loan off early can save you significant money in interest payments and it can bolster your trade-in value if you plan on getting rid of the vehicle before the loan is up. Whatever your reasons are for wanting to get rid of your car payment early, check out these 4 ways that you can pay the load down faster to knock one more debt off your list. Round Up Your Payment Round the payment up to the nearest 50 or 100 dollars. Rounding your car loan up rather than paying the exact…
  • 8 Credit Card Perks You Didn’t Know You Had

    Edwin C.
    13 Jun 2015 | 10:03 pm
    Credit cards were often times seen as a scapegoat for the reason our economy was faltering. They really got a bad rap. Irresponsible people would charge too much on their card without having the means to pay them off. Then eventually, when they could no longer get more credit or had too many debt collectors on their backs, they fell back on bankruptcy as an option to erase their debts. A lot of people are too focused on the negative aspects of owning a credit card. But there are others who are ignoring the bad press and are taking advantage of the countless perks that come with being a credit…
  • 10 Simple Ways To Save Money On Gas

    Edwin C.
    22 May 2015 | 4:57 pm
    The price of gas is continually on the rise. With no end in sight to the soaring gas prices and little to no stability in the Middle East, where most of the gas this country uses comes from, it’s a good idea to learn how to save money on gas so you can get where you need to go without spending your entire paycheck at the pump. Here are 10 easy ways you can save money on gas. Drive Less This is the way that most drivers save on gas. Joy rides and Sunday drives are a thing of the past and more drivers are using apps or GPS devices to streamline their trips, getting from place A to place B in…
  • 5 Ways To Pay Off Your Student Loan Sooner

    Edwin C.
    9 May 2015 | 11:35 pm
    When you graduate from college or university and embark on your chosen career, it’s a good idea to start investing in your retirement from day one. While that may seem like the perfect plan on paper, actually making it happen is incredibly tough, usually because college graduates are left saddled with a student loan that can be totally crippling. Continuing your education in today’s world means shelling out tens of thousands of dollars, which ends up resulting in large monthly payments once you graduate. It’s a tough debt to pay off, but there are a few ways you can get it paid down…
  • Three Ways To Boost Your Cover Letter

    Edwin C.
    23 Apr 2015 | 9:14 pm
    Cover letters are hard. A lot of people don’t even do them anymore. And I know some hiring managers who don’t read them because, in their words, they’re always so awful anyway. But most people will read them. Especially if your resume is almost on-point but not quite. A cover letter can go a long way to showing a potential employer how well your experience will mesh with the job you’re applying for. There is a lot of advice for writing cover letters. These three tips are broad ideas but they’re the biggies. These are the things you have to do if you want to stand out. 1. Don’t…
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    AuctionWally.com

  • Antique Oak Victorian Side by Side

    walt kolenda
    29 Jul 2015 | 11:59 am
    Richard asks: Please appraise this for me. Side by Side Secretary/desk unit next to china closet Antique Oak Victorian Side by Side AW says: This is an antique “side by side” as they are most commonly called in the trade. It was probably sold as Oak, but much of what was, was actually elm, a sister wood whose grain was almost identical to oak. This has applied carving and a pressed design. The applied carving was an automation process that gave wood pieces a hand carved look, but from pieces that were previously machine carved, then applied to the piece later. The “pressed…
  • Victorian Bedroom Suite

    walt kolenda
    29 Jul 2015 | 11:57 am
    Trina asks: Please appraise this Victorian bedroom suite.               Victorian Bedroom Suite See other values for Victorian Furniture AW says: This is a circe late 1800s bedroom suite. The wood used looks to be black walnut veneer.  This ornate set was a pricey combo in it’s day. The black walnut veneer was used to enhance aesthetics as was the rose or plum marble top. The mirror has it’s original beveled glass and the chest of drawers looks to have all of it’s original pulls. The bed, no doubt is a 3/4 size as most beds of this era…
  • Auctioneer Finds Chupacabra

    walt kolenda
    22 Jul 2015 | 12:37 pm
    Auctioneer Finds Chupacabra …kind of. Because I’m kind of a professional treasure hunter, I am always asked:  “What’s the weirdest thing you’ve ever found?”  Trust me, I’ve found my share of weird things in the auction business.   In an estate in Winchendon, MA a bee-keeper’s estate contained large coffee cans of used cigar butts, mason jars of ear wax & finger nails. I’m not kidding. I’ve come across countless pictures of dead children and pets, hidden caches of early transvestites, antique bondage implements (as far back…
  • Antique Victorian Camel Back Sofa

    walt kolenda
    19 Jul 2015 | 7:48 pm
    Richard asks: Please appraise this couch. Walnut frame Victorian Camel Back Sofa Antique Victorian Camel Back Sofa AW says: This is a late 1800s Victorian Camel Back Sofa. It appears to be in excellent condition. It has cabriole legs, tufted fabric and most likely a walnut wood frame. The innards would have been stuffed with horsehair, supported by coil springs. As with all appraisals this one was conducted from several factors including good comparisons. Knowing what exactly an item is, is half the battle. Since I already knew what it was, gleaning price data was easy. Here is another…
  • Antique Oak Hoosier Cabinet

    walt kolenda
    18 Jul 2015 | 3:17 pm
    Antique Oak Hoosier Cabinet Richard asks: Please Appraise my Antique Hoosier Cabinet.   Antique Oak Hoosier Cabinet AW says: This is a wonderful antique oak hoosier cabinet with what looks like the original baking charts on the inner left hand door panel, original flour bin and green slag glass panels over the top doors. The only flaw I can see from the photograph is that the bottom right draw front looks to have been replaced. If this is in fact the case, you should deduct 10-15% from my evaluation. It should however, be a fairly easy fix, thus I’d have it replaced with a matching…
 
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    Credit.com

  • Not So FAFSA: How to Avoid a Student Aid Scam

    Adam Levin
    29 Jul 2015 | 9:01 pm
    As July melts into August, many college-age students are once again turning their thoughts (if they haven’t done so already) to that beast of complexity, the FAFSA form – which students must fill out if they want to receive financial aid. While there are many reputable companies that help prepare FAFSA forms, there are a number of parasites out there as well. Filling out the FAFSA is about as much fun as Thanksgiving dinner table talk when it turns to the topic of college applications. That’s when the money questions are asked, debt horror stories are shared and guests make groaning…
  • Inheritance 101: How to Leave Your Home to Your Kids

    Brad Wiewel
    29 Jul 2015 | 9:01 pm
    For many of you, your home is probably your most valuable asset and it’s likely that you are very clear about whom you want to end up with it when you die. For example, if you are a parent you probably want your children to inherit your home. However, ensuring that your wishes become reality takes planning – estate planning, specifically. For example, you may: Include your home in your will Transfer your home to a living trust Include the right “magic words” in the deed to your home There are pros and cons to each of these options, so it’s advisable to meet with an estate-planning…
  • The Real Reason Behind Skyrocketing College Tuition

    Bob Sullivan
    29 Jul 2015 | 9:01 pm
    Sara Goldrick-Rab is among the loudest critics of America’s structures designed to fund college education. She’s a professor of Educational Policy Studies and Sociology at the University of Wisconsin-Madison, working for a state school that is squarely in the cross-hairs of Wisconsin Gov. Scott Walker’s plans to cut funding and eliminate tenure. Her writings include “Reinventing Financial Aid: Charting a New Course to College Affordability,” with Andrew Kelly, for Harvard Education Press. When a recent Federal Reserve study found that increased student loan aid…
  • Americans Are Holding Onto Their Cars Longer Than Ever

    Christine DiGangi
    29 Jul 2015 | 9:01 pm
    For years, Americans have been driving older and older cars, bringing the average age of vehicles in operation to 11.5 years at the start of this year — that’s the highest it has been since analytics company IHS Automotive started tracking the metric. Americans continue to drive increasingly older cars partly because vehicle quality has improved, but the economic downturn played a significant role in this trend, as well. Mark Seng, global aftermarket practice leader at IHS Automotive, explained the data in a news release: “For the five to six years following the recession, however,…
  • The 10 Biggest Consumer Complaints in America

    Bob Sullivan
    29 Jul 2015 | 9:01 pm
    iStock Woes, Worries & WHY! Health care billing issues, IRS imposter scams and student loan consolidators were among the biggest consumer headaches last year, joining more familiar complaints about identity theft, home repair and debt collection. The definitive survey of consumer gripes, which includes data from 37 agencies in 21 states, was released Wednesday by the Consumer Federation of America. Together, they shared 282,000 complaints with the consumer advocacy group. As was the case last year, auto sales and repairs attracted the most complaints, but debt collection issues were rated the…
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    StepChange MoneyAware

  • Cash Genie to refund £20m: does it affect you?

    Laura
    27 Jul 2015 | 5:28 am
    Payday loans company Ariste Holding Limited, which trades as Cash Genie, has agreed to pay out over £20 million to more than 92,000 of its customers. The announcement comes a year after Cash Genie voluntarily told the Financial Conduct Authority (FCA), the body which regulates them, that they had treated customers unfairly. Linda Woodall from the FCA said: “We have been encouraged that Cash Genie has been working with us proactively and openly to put things right for its customers after these issues were reported. “Although standards in the consumer credit sector are improving, it is…
  • How will upcoming benefits changes affect my DMP?

    James
    23 Jul 2015 | 7:27 am
    The July Budget revealed plans to reduce welfare benefits by £12bn. There are two questions that are likely to be on your mind if you’re on a debt management plan (DMP). Firstly: what benefits are going to be affected? Secondly: how will these changes impact my finances and my DMP? We’ve summarised the biggest changes, when they’re going to happen and who’s likely to be affected by them. We’ve then covered some likely questions that might crop up if you’re on a DMP. What benefits are going to be affected? Tax credits for 3 or more children What is changing? Tax credits will not…
  • 5 budgeting apps road-tested

    James
    23 Jul 2015 | 6:56 am
    Making a budget and actually sticking to the budget are two entirely different things. We all start off with good intentions but then life happens and sometimes it all goes out of the window. Keeping track of your spending using your smartphone is a good way to try and stick to your budget. Or at least it’ll tell you exactly why you’re not able to keep to your budget. They don’t put any more money in your pocket but it could make you more organised about how you spend it. We’ve picked five budgeting apps and each member of the MoneyAware team has test-driven one of them for a week to…
  • Know your rights: July’s debt news

    James
    23 Jul 2015 | 5:01 am
    We’ve had Wimbledon, a short heat wave and plenty of drizzle, so it’s safe to say that summer has properly begun. What better way to enjoy the longer evenings and warmer rain than to kick back and enjoy the latest edition of debt and money news? We’ve scoured the web for all the latest news on debt and money, so you don’t have to. Find out the latest on phoning 0800 numbers from your mobile, banks using jargon, soaring rents, payday loan complaints and much more. Well, a bit more. Budget reveals £12bn of benefit cuts The big story this month was the new Government’s first budget,…
  • Save money on electricity: a step-by-step guide

    Jenny
    22 Jul 2015 | 2:04 am
    Looking to save money on your bills but don’t know where to start? Me too. I’ve been gathering electricity saving tips to help reduce our energy bills. Turns out, this is basically a list of reasons why I shouldn’t be allowed to live on my own. It’s also a list of my crimes against energy-saving. I’m sorry world, I can change. If you find you’re doing most of these things already, that’s excellent, go you! If not, don’t worry. We’re in this together. Let’s embrace the list and we’ll save money on our electricity bills while helping the environment too. Hooray! Understand…
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    Help Me To Save

  • Money Saving Advice

    Karen Bryan
    28 Jul 2015 | 11:44 pm
    It’s more important to stay frugal and try to save some pennies wherever we can. Below there are a is our money-saving advice to help guide you. Observe and Monitor Your Spending Make sure you keep a record of all the spending you do throughout the day. The best and easiest way to do this […] The post Money Saving Advice appeared first on Help Me To Save.
  • The Best Investments for Retirement

    Karen Bryan
    28 Jul 2015 | 11:36 pm
    Here are my tips on the best investments for retirement. I recommend starting to save for retirement as soon as you start working, diversification to manage risk and regularly monitoring your investments. A Workplace Pension One of the most efficient ways to invest for your retirement is through a workplace pension, especially if your employer […] The post The Best Investments for Retirement appeared first on Help Me To Save.
  • Two More Instances of Not Being Able to Cancel Services Online

    Karen Bryan
    26 Jul 2015 | 11:55 pm
    Since writing the article “If You Open an Account Online You Should Be Able to Close it Online” with regard to my Halifax Regular Saver account, I’ve encountered another two similar situations. In January we signed up for a 12 month  contract with BT for a landline, UK  call package and Infinity fibre broadband. As […] The post Two More Instances of Not Being Able to Cancel Services Online appeared first on Help Me To Save.
  • What are Unsecured Loans?

    Karen Bryan
    23 Jul 2015 | 11:19 pm
    The differences between secured and unsecured loans are important to understand before you take out any kind of credit. There are of course both advantages and disadvantages of each type of loan, and there is no one-fits-all solution for what will be the best for you. Secured Loans A secured loan may also be named […] The post What are Unsecured Loans? appeared first on Help Me To Save.
  • Looking for a Better Discount Vouchers Website?

    Karen Bryan
    22 Jul 2015 | 10:38 pm
    Whenever I am making a purchase, I always do a quick search to see if there are any vouchers or discount codes on offer for that product or service. I prefer to get a discount at the point of sale, than to shop through cashback websites, as cashback is never 100% guaranteed to be paid. […] The post Looking for a Better Discount Vouchers Website? appeared first on Help Me To Save.
 
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    NerdWallet Credit Card Blog

  • How to Avoid a Common Mistake in Buying Life Insurance

    Barbara Marquand
    30 Jul 2015 | 10:34 am
    One of main reasons to buy life insurance is to protect your children in case you can’t be around to provide for them. But one of the biggest mistakes you can make is naming your kids as beneficiaries on a life insurance policy when they are still minors. The decision to buy coverage is wise, but you have to be careful when naming the beneficiaries, or you could unintentionally put a hole in your family’s financial safety net. Why you shouldn’t name minors as beneficiaries Say, for instance, a husband and wife both have life insurance and name each other as the primary beneficiary and…
  • Improve Your Business Credit Card Strategy in 7 Days

    Claire Davidson
    30 Jul 2015 | 10:16 am
    Managing your small business credit card account can sometimes feel like a 24/7 game of whack-a-mole. So many short-term concerns pop up, it’s easy to forget the larger picture. By taking a few minutes each day to improve your practices, though, you could turn that around. Here’s how you can improve your business credit card strategy in the next seven days: Monday: Pay with plastic. Time needed: 60 minutes The more expenses you put on your card, the more points you’ll earn. That’s how Wayne Gatewood, Jr., owner of Quality Support Inc., a consulting and administrative…
  • Time-saving Tips, Laundry Edition: Meet Washio

    Kirsten VerHaar
    30 Jul 2015 | 10:08 am
    With the ever increasing demands on time, and the seemingly endless pull on our attention (Instagram! Snapchat!) it’s no wonder that many of us are looking to cut corners (and save money) any way we can. Enter the on-demand services flooding the app store. But we’re not talking about Uber (that’s so 2011). Now it’s all about Instacart, Postmates and TaskRabbit, to name a few. So how can you cut through the noise and narrow it down to which services will actually save you time? Here at NerdWallet, we’ve done the research for you. Over the next few weeks, we’ll be highlighting new…
  • Can I Pay Rent With a Credit Card?

    Kevin Cash
    30 Jul 2015 | 10:08 am
    Paying your rent by credit card has some appeal. It can mean fewer late payments and no need to deal with checks. That convenience, though, often comes at a substantial cost. If you’re considering this option, read on for tips on when it might make sense to pay rent with plastic, and when you might just get yourself into trouble. How to pay your rent via credit card The easiest method is through a rent payment service. These companies allow tenants to pay their rent with a credit card for a percentage-based processing fee, and many require no additional involvement from your…
  • What to Do If Your Identity Is Stolen

    Virginia C. McGuire
    30 Jul 2015 | 9:35 am
    Fraud is on the rise. Over 1.5 million people reported that they’d been the victims of fraud in 2014, according to the Federal Trade Commission. While some related crimes get a lot of headlines — stolen credit card numbers, for example — there are a lot of ways fraudsters can get to you. Here are the top 10 types of fraud to watch out for, and steps to take if you fall victim to the most common variety: identity theft. Embed this on your site Via: NerdWallet Graphic by Enrico M Limcaco/NerdWallet.  
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    Card Hub

  • Pet Financing: Compare Veterinary Loans & Payment Plans

    John Kiernan
    28 Jul 2015 | 6:13 am
    Pets can be quite expensive. For example, between food, vet bills and other miscellaneous expenses, most dog owners will spend somewhere in the neighborhood of $4,000 – $35,000 over the course of their pet’s expected lifespan – 6 to 14 years, depending on the breed – according to estimates from the American Kennel Club and the American Society for the Prevention of Cruelty to Animals. Cat owners don’t have it much better, facing expected annual costs of around $670, which would equate to roughly $10,050 over a feline’s 15-year average lifespan. It’s therefore no surprise that…
  • Small Business Grants for Women, Minorities & More

    John Kiernan
    22 Jul 2015 | 1:55 pm
    Small business grants are kind of like grants for college.  They’re out there if you can find them, offered by a variety of government and private sources, and they can be crucial to the affordability of development of growing companies.  But they’re also very difficult to qualify for, with the bulk of the available funds going to the top few percent of people with particular, in-demand skill sets. For example, the federal government’s primary small business grant programs only approved about 17% of grant applicants in 2012.  And, dating back to 1983, only an average of 4,709 small…
  • How Long Does It Take To Get A Credit Card

    John Kiernan
    17 Jul 2015 | 3:51 pm
    It generally takes 7-10 business days to get a new credit card after being approved for an account. That means you’ll have plastic in your hands 14 – 24 business days after submitting an application, if everything goes smoothly. If you need a replacement card because your original plastic was lost, stolen or damaged, it will take 3 – 7 business days, depending on the issuer. Most issuers offer free expedited shipping (often overnight) for replacement cards, and a handful extend the benefit to new cards. Others charge a fee or don’t offer expedited card delivery at all. And other than…
  • Celebrity Credit Cards: Inside The Wallets Of The Stars

    John Kiernan
    16 Jul 2015 | 2:47 pm
    As the tabloids and TMZ want to display, celebrities are just like you and me.  They go shopping, they eat ice cream and they have jury duty – among many other things.  And how do they pay for it all?  Having lots of money certainly doesn’t hurt, but like the rest of us, famous people pay for their purchases with a combination of credit cards, debit cards, gift cards and cash. Source http://www.cardhub.com/edu/celebrity-credit-cards/
  • Can You Buy A Money Order With A Credit Card?

    John Kiernan
    12 Jul 2015 | 11:14 am
    Yes, you can buy a money order with a credit card as well as with a debit cards, check or bank transfer. But unless credit is your only option, and sending money is a necessity, it’s probably not going to be your best choice. Credit card companies consider the purchase of a money order to be the equivalent of a cash advance, so the transaction will trigger an expensive fee as well as the immediate accrual of a high interest rate. Issuers don’t want their customers to be able to bypass cash advance fees and the revenue they provide, which one could otherwise do by sending oneself…
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    CreditDonkey

  • Lottery Winner Statistics: 23 Eye-Popping Facts

    30 Jul 2015 | 12:00 am
    It costs you nothing to fantasize about winning the lottery. So join us as we go through 23 statistics about what happens to the winners. Winning the lottery is a fantasy for most people, but that doesn't stop Americans from spending close to $70 billion a year on tickets and wasting most of it. If the lure of the lottery has you daydreaming about spending your days on a tropical island somewhere, check out these 23 incredible statistics on hitting it big. WHO PLAYS, WHO WINS? What are the odds of winning the lottery? Lottery winners make headlines pretty regularly but in reality, people…
  • 23 Must-Do Financial Moves for August

    28 Jul 2015 | 12:00 am
    Summer is winding down and life is about to gear up again. If you've been lazy about minding your finances over the last couple of months, it's time to get back on track. Whether your goal is to spend less or save more, doing these 23 things now can help you make the most of your money. SAVE ON SHOPPING August is an ideal month for picking up bargains on certain household items. We have the skinny on all the things you can buy this month without blowing your budget. Scope out mattress salesLabor Day will be here before you know it, but August is when retailers start advertising upcoming…
  • Engagement Ring Statistics: 23 Surprising Facts

    27 Jul 2015 | 12:00 am
    If you're pondering taking your relationship to the next level, be sure to check out these 23 facts and figures before you start shopping around for a diamond.Asking your true love to marry you is a big step, and you can't show up empty-handed. Once you get down on one knee, the next step is presenting your sweetheart with a carefully chosen engagement ring. How much does the average engagement ring cost?Before you start browsing jewelry stores, it helps to have a ballpark estimate of what an engagement ring will cost you. Researchers from Emory University determined that the average price…
  • What to Buy in August

    27 Jul 2015 | 12:00 am
    Back to Savings: What to Buy, What Not to Buy, in AugustIf you know a student or two, give them a high-five for saving you on essentials, because the sales this month are all about school. Between sales, specials, and tax-free weekends in several states, here are a few things to buy now, as well as one purchase to delay and invest in later. Office and school supplies: Several major retailers such as Target and Office Depot kick off the new school year by offering deals and discounts, hoping to attract students young and old. For students, this is prime time to stock up and save for the year…
  • Burglary Statistics: 23 Alarming Home Break-In Facts

    23 Jul 2015 | 12:00 am
    Are you safe? Read these 23 disturbing statistics on burglary, including the surprising trend on home break-ins. Burglary is a serious crime that has the potential to affect its victims in a number of ways, including financially, emotionally and physically. Keep reading to learn just how common this crime is and how deep its impact goes. BURGLARY BY THE NUMBERS How many homes are burglarized annually? Pinning down the exact number of burglaries that occur each year is difficult, but according to the most recent data from the FBI, roughly 2.1 million break-ins were reported in 2012. How many…
 
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    Recent Blog Posts

  • 10 Ways Bankruptcy Solves Tax Problems

    17 Jul 2015 | 5:21 pm
    If you owe a lot of income taxes, you may have wondered whether bankruptcy can help you deal with this special kind of debt. There's a good chance that you have misconceptions about whether and how it might help. Hopefully this list will help clear things up. 1. BANKRUPTCY CAN WRITE OFF ("DISCHARGE") INCOME TAX DEBTS Contrary to some misinformation, bankruptcy will permanently discharge an income tax debt as long as that tax meets a few conditions. Some of those conditions—such as the one involving tax fraud—don't even apply to most people. The two main…
  • In Bankruptcy, Is Jointly Titled Property Community Property?

    5 Jun 2015 | 2:18 pm
    THE COMMUNITY PROPERTY DILEMMA Let's flesh out the question stated in the title: In California, a community property state, if a married couple buys an asset during their marriage in which the deed or other legal indication of ownership shows them purchasing as joint tenants (instead of as community property), when one of the spouses subsequently files a Chapter 7 "straight bankruptcy" case is the asset considered joint or community property? This is a crucial distinction because if that purchased property is community property then the bankruptcy trustee has a right to the…
  • Chapter 13 Can Help Your Co-Signer and Protect Them

    13 May 2015 | 3:08 pm
    WHAT ARE THE SPECIAL CHALLENGES WITH CO-SIGNED DEBTS? Co-signed debts present a number of issues if you are thinking about filing bankruptcy. First, there are risks in paying co-signed debts (or paying money to a co-signer directly) during the months before you file bankruptcy. So be sure to tell your attorney about any such payments when you first meet with him or her. These are potential "preference payments," which I've discussed in previous blog posts. Please see "Should I Pay Relatives Money I Owe Them Before Filing Bankruptcy?" and "What Can You Do If you…
  • Discriminating in Favor of Co-Signed Debts

    28 Apr 2015 | 6:47 pm
    In a recent blog post I said that a Chapter 13 payment Plan can pay a co-signed debt in full, including interest, while paying little or nothing to the other "general unsecured" creditors. The practical benefits of this can be huge if you are trying to protect a co-signer from having to pay a debt. In effect you are allowed to avoid paying other creditors in order to have the means to protect your co-signer. There is confusion about this part of bankruptcy law because the Bankruptcy Code is less than clear about it. Because of this lack of clarity many bankruptcy attorneys don't…
  • Can Creditors Pursue Me for Debts of My Deceased Spouse?

    9 Apr 2015 | 1:10 pm
    Because California is a “community property” state, in general both spouses are legally liable on the debts incurred by either spouse during a marriage. This means that, again in general, after the death of one spouse the surviving spouse is liable on the other person’s debts, that is, those debts for which only the deceased spouse signed the paperwork. This blog post explains how this works in practice, and what the exceptions are. WHAT DIFFERENCE DOES CALIFORNIA’S “COMMUNITY PROPERTY” STATUS MAKE? Most states follow “common law” property…
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    The Penny Hoarder

  • Ever Been Bumped Off a Flight? The Airline Could Owe You $800

    Susan Shain
    30 Jul 2015 | 10:00 am
    Traveling is full of adventure and fun — and often, headaches. If you’ve flown at some point in the past few years, you’ve probably experienced your fair share of delays and cancellations. Though all are inconvenient, the most frustrating experience is being “bumped” off an overbooked flight, which happens most often around the holidays and other peak travel times. You may have thought that getting bumped was just the price of admission for flying. In reality, though, it’s illegal for the airlines to overbook flights — and you’re entitled to compensation if it happens…
  • Sleeping on the Job: How I Made $12,000 From Sleep Studies

    Jillian Shea
    30 Jul 2015 | 7:00 am
    You mean you go to sleep every night and don’t get paid for it? Your luck may be about to change. Turns out several million people in the United States suffer through sleepless nights, which many researchers agree greatly affects overall health. Numerous hospitals dedicate entire divisions to studying sleep — and they’re willing to pay you several thousand dollars just to watch you nap. Most studies want healthy adults with consistent sleep patterns. I checked both boxes, and earned $12,000 participating in two studies in the same hospital. Here’s what I learned in the process,…
  • Grab Your Crystal Ball: 3 Ways to Make Money Predicting the Future

    Nick Loper
    30 Jul 2015 | 3:00 am
    Ever considered using knowledge of the future for financial gain? If you knew what would happen tomorrow, you’d certainly find ways to capitalize on that, right? (And we’re talking legal ways, people!) Hollywood uses this plot device in lots of popular time-travel movies. In Back to the Future II, Marty is advised to “put some money on the Cubbies” after their improbable World Series win. In Frequency, a young boy in the past is told to “remember the word ‘Yahoo,’” which was a high-flying stock tip when the movie aired in 2000. Even though you don’t have the advantage of…
  • Money Management for Freelancers: How to Budget on an Irregular Income

    Nicole Dieker
    29 Jul 2015 | 11:00 am
    As a freelance writer, I have a good idea of how much money I’ll bring in every month — but my estimate is rarely perfect. Sometimes I don’t get as many assignments as I had hoped for, and sometimes clients are slow to pay invoices. There are also months where I earn much more than I had  expected, and my bank account is temporarily flush with cash. I catalog assignments completed and money earned publicly, through monthly income reports at The Write Life. But what I don’t often dig into is how I manage to budget on an irregular income. I’ve been freelancing since 2012, so I…
  • Hoarding Pennies: 8 Ways to Make the Most of the Coins in Your Change Jar

    Crystal Koenig
    29 Jul 2015 | 8:00 am
    When I worked as a waitress, I would come home after work every night and toss my spare coins into a big jar. I didn’t think much about the jar until my friends suggested we go away for the weekend. I was kind of broke, but I didn’t want to say no, so I decided to dig into my change jar. It turned out I had more than $300 squirreled away — enough for my share of a weekend road trip! I still have a change jar, but I try not to let it build up so much before doing something with the money. After all, leaving hundreds of dollars sitting around your house is not a good investment…
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    LearnFinancialEducation.com

  • How to Get OEC by Online Application

    Gily Tenorio
    25 Jul 2015 | 4:59 pm
    I want to update all OFWs out there that you can apply for your OEC through online application so you don’t need to go to POEA or its branch saving you lot of time and effort. I have done this twice now so you will know that it works and legitimate. It was also published by POEA in several newspapers few months  ago but maybe some people still don’t know about it. If you’re an OFW and returning to Philippines for vacation, you should apply for overseas exit clearance (OEC) as early as possible when you arrived the country. It is very important that you get this document…
  • Attend Free Personal Finance Seminar by IMG Wealth Academy

    Gily Tenorio
    5 May 2015 | 1:38 am
    Perhaps, some of you are looking for FREE ways to learn financial education without spending any pesos or dollar but you want it like in a classroom where there’s a teacher or instructor.  Though there are lots of ways to learn personal finance, attending seminars is one of the most effective and gives the most long-lasting effect on your part. I have recently joined and collaborated with IMG or the International Marketing Group that conducts free seminars about personal finance. I am seeing many financial seminars these days but most of them require you to pay registration fee in…
  • 6 Most Common Types of Internet Security Threats

    Gily Tenorio
    23 Apr 2015 | 3:17 pm
    If you are doing financial transactions over the Internet like online banking and stock trading, you should be aware of some internet security threats that can steal your personal information and may harm your computer. These threats are real and increasing each day so you should take necessary precautions about it. Based on the report of Federal Bureau of Investigation (FBI) Internet Crime Complaint Center (iC3), in year  2013 alone, the IC3 received 262,813 consumer complaints with an adjusted dollar loss of $ 781,841,611, which is a 48.8 percent increase in reported losses since 2012…
  • This Blog will be Turning 5 Years Old

    Gily Tenorio
    12 Apr 2015 | 1:25 am
    Yes you read it right, this blog will be celebrating 5th birthday this coming April 22, 2015. I thought I will never come this far from writing and blogging. Here’s my first ever article that I published in this site back  5 years ago: 10 Simple Tips to Control Your Expenses  to reminisce the past. You will notice it is a short post and straight to the point. You know when I’m still a student I’m not that good in writing and communicating in English. It’s my Waterloo and and I’m always afraid to talk to anybody in English language. Perhaps this blog is a way…
  • Happy Resurrection (Easter) Day!

    Gily Tenorio
    4 Apr 2015 | 6:11 pm
    Hi! I just want to greet you a Happy Resurrection (Easter) Day! It’s the day of the year we remembered the passion, death and resurrection of our Lord Jesus Christ! Here’s a good song by Jesus Culture for this special day!   I hope you enjoy this song! It is indeed a happy day! What to Read Next: Happy Chuseok! Happy Mother’s Day Happy New Year!
 
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    Bankruptcy and Student Loan Lawyers - 866.787.8078

  • Why a Fresh Financial Start Makes Sense

    Jay Fleischman
    20 Jul 2015 | 10:18 am
    Does your debt make you feel stuck in a bad place in your life? You can’t get ahead, no matter what you try. You pour everything you’ve got into worrying about the bills, so there’s no energy left to put into making the other parts of your life better. You can’t focus at work so you underperform, which hinders your chances at raises and promotions. Seeing friends and family members is just another opportunity to be reminded of how well they’re doing, and how poorly your life is turning out. One thing you know is this – you’re stuck in a bad place.
  • Tuition-Free College Movement Gaining Ground

    Jay Fleischman
    14 Jul 2015 | 10:00 pm
    President Obama announced that he’d like to see tuition-free community colleges. Senator Bernie Sanders, candidate for President, went so far as to introduce a bill that would eliminate undergraduate tuition altogether at all 4-year public colleges and universities. Both are enticing ideas, especially if you’re thinking of getting your degree. No tuition and no student loans means less of a financial burden once you graduate. It remains to be seen whether such grand overhauls to our higher education system will ever come to pass, but in the meantime there are a few places where…
  • Department of Education Updates List of Troublesome Colleges

    Jay Fleischman
    14 Jul 2015 | 11:11 am
    The U.S. Department of Education has published their list of of schools facing extra scrutiny as of June 1, 2015, and it’s a good idea to check if yours is on the list. A total of 483 colleges are being closely monitoring due to concerns over their ability to handle federal funds, down from 543 schools in March 2015. The new list includes three public institutions — Northern New Mexico College, Mesalands Community College in Tucumcari, N.M., and Copiah-Lincoln Community College in Mississippi — all of which were added for their failure to submit audit documents to the…
  • Education Department To Screw Married Student Loan Borrowers With New Payment Options

    Jay Fleischman
    8 Jul 2015 | 4:29 pm
    The U.S. Department of Education, as part of a continuing public relations effort to look like it’s trying to help federal student loan borrowers, on July 7, 2015 announced an enormous expansion of the highly-regarded Pay-As-You Earn repayment program. Under the expansion, an additional six million federal loan borrowers would be able to cap their federal student loan payments at 10% of their disposable adjusted gross income. Unpaid balances would be discharged after the borrower makes 20 years of payments if the borrower does not owe any money for graduate school, and after 20…
  • Untangling The Knot of Navient and Sallie Mae

    Jay Fleischman
    7 Jul 2015 | 7:56 am
    For millions of student loan borrowers, Sallie Mae is synonymous with educational finance. Now there’s a new name in town – Navient. Founded in 1973, Sallie Mae (the nickname of The Student Loan Marketing Association) operated as a Government-Sponsored Enterprise (GSE) – a private financial institution set up by the U.S. Congress – until 1994 when it became a private corporation. Originally created to support the guaranteed student loan program created by the Higher Education Act of 1965, the company eventually expanded to handle all manner of private as well as…
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    Thirty Six Months

  • Software Startup: Be one or help one?

    Marissa Anwar
    27 Jul 2015 | 12:12 pm
    My day job pretty much involves evaluating startup ideas all day, and then building a plan that makes them grow  really quickly. So it goes without saying that I live eat and breathe this stuff all day. That said, I still get questions about the Startup world, and am hoping that this will answer some of the questions. Are you sitting on a piece of code that needs a little spit and polish to be the next big thing in the software industry? If you’re a talented developer with a particular vision, entering into the software fray today is a risky yet extremely rewarding proposition – if…
  • 7 Awesome Reasons You Should Become A Digital Nomad

    Marissa Anwar
    31 Mar 2015 | 4:44 am
    I fell in love with travelling at really young age- my father’s job involved moving to a different country every few years, and he took his young family with him every time. I’d like to think that’s where my wanderlust came from. I can feel at home pretty much anywhere in the world, and the combination of gestures, smiles and the attempt at broken local language can get me through any sticky situation. I’d like to think that’s where my wanderlust came from. I can feel at home pretty much anywhere in the world, and the combination of gestures, smiles and the…
  • Freelancers: What to do with you tax refund?

    Marissa Anwar
    25 Mar 2015 | 5:05 am
    It’s tax season again! Are you excited? Well, you should be. If you’re anything like me, you’ve been playing with your tax software to see where you end up this year, and if there are any other deductions calling your name. TurboTax and I are best friends right now! You can check out the TurboTax’s free offerings online as well.  This is when the rubber meets the road, and you figure out what to invest in with your tax refund. Let me preface this by saying that your tax refund is NOT a saving plan, or investment strategy.  You shouldn’t “count” on…
  • Learning to invest-Researching Stocks the Smart Way

    Marissa Anwar
    11 Mar 2015 | 2:00 am
    As a follow up to my rant a few weeks ago about women not investing, I figured I should put my blog with mouth is and at least have some simple instructions on how to get started. I am not a financial planner by any stretch of the imagination, but I have common sense and a somewhat informed sense of the basics. So please don’t sue and do your own research before you hand over your money to anyone. I am not promising that you will learn how to pick stocks or learn how to invest by reading this series. I am promising that it will give you the basic overview if you have never thought about…
  • Want to Become a Professional Traveller? Check this out! #TravelDreamJob

    Marissa Anwar
    8 Mar 2015 | 1:56 am
    Some of you might know that I’m currently in Europe working, and travelling with Eurail. Travelling is such a big passion of mine, and I know that not everyone else is lucky enough to be able to do that. In the spirit of sharing, I wanted to let you all know about this fantastic dream job that just came up! I can’t say enough good things about the travelling Eurail. It’s convenient and stress free. And let’s not start with how amazing it would be to travel across Italy. I’m currently in Naples (look for that post later on this week!), eating gelato, and pizza,…
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    Thirty Six Months

  • Software Startup: Be one or help one?

    Marissa Anwar
    27 Jul 2015 | 12:12 pm
    My day job pretty much involves evaluating startup ideas all day, and then building a plan that makes them grow  really quickly. So it goes without saying that I live eat and breathe this stuff all day. That said, I still get questions about the Startup world, and am hoping that this will answer some of the questions. Are you sitting on a piece of code that needs a little spit and polish to be the next big thing in the software industry? If you’re a talented developer with a particular vision, entering into the software fray today is a risky yet extremely rewarding proposition – if…
  • 7 Awesome Reasons You Should Become A Digital Nomad

    Marissa Anwar
    31 Mar 2015 | 4:44 am
    I fell in love with travelling at really young age- my father’s job involved moving to a different country every few years, and he took his young family with him every time. I’d like to think that’s where my wanderlust came from. I can feel at home pretty much anywhere in the world, and the combination of gestures, smiles and the attempt at broken local language can get me through any sticky situation. I’d like to think that’s where my wanderlust came from. I can feel at home pretty much anywhere in the world, and the combination of gestures, smiles and the…
  • Freelancers: What to do with you tax refund?

    Marissa Anwar
    25 Mar 2015 | 5:05 am
    It’s tax season again! Are you excited? Well, you should be. If you’re anything like me, you’ve been playing with your tax software to see where you end up this year, and if there are any other deductions calling your name. TurboTax and I are best friends right now! You can check out the TurboTax’s free offerings online as well.  This is when the rubber meets the road, and you figure out what to invest in with your tax refund. Let me preface this by saying that your tax refund is NOT a saving plan, or investment strategy.  You shouldn’t “count” on…
  • Learning to invest-Researching Stocks the Smart Way

    Marissa Anwar
    11 Mar 2015 | 2:00 am
    As a follow up to my rant a few weeks ago about women not investing, I figured I should put my blog with mouth is and at least have some simple instructions on how to get started. I am not a financial planner by any stretch of the imagination, but I have common sense and a somewhat informed sense of the basics. So please don’t sue and do your own research before you hand over your money to anyone. I am not promising that you will learn how to pick stocks or learn how to invest by reading this series. I am promising that it will give you the basic overview if you have never thought about…
  • Want to Become a Professional Traveller? Check this out! #TravelDreamJob

    Marissa Anwar
    8 Mar 2015 | 1:56 am
    Some of you might know that I’m currently in Europe working, and travelling with Eurail. Travelling is such a big passion of mine, and I know that not everyone else is lucky enough to be able to do that. In the spirit of sharing, I wanted to let you all know about this fantastic dream job that just came up! I can’t say enough good things about the travelling Eurail. It’s convenient and stress free. And let’s not start with how amazing it would be to travel across Italy. I’m currently in Naples (look for that post later on this week!), eating gelato, and pizza,…
 
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    Compare Wallet: Making Sure Your Money Isn't Accepting Second Best

  • Total Visa Credit Card Review

    Chris Mettler
    30 Jul 2015 | 7:42 am
    For consumers who have poor credit, it can be tricky to find a credit card that you will be approved for. Secured credit cards present a good option, but if you don’t have the funds to lay down a security deposit then they are out of the question. One option worth considering is the Total Visa Credit Card. Even if you are just coming out of bankruptcy and have very poor credit, you may still be able to get approved for the Total Visa Credit Card. However, this credit card comes with some costly fees, so let’s take a look the the Total Visa Credit Card review and see if it is a good option…
  • How to Earn More Airline Miles with Dining Networks

    Thomas Donaldson
    29 Jul 2015 | 12:27 pm
    The ironic thing about Frequent Flyer miles is that you don’t actually have to fly frequently earn them. In fact, you can earn valuable airline miles towards free flights by simply doing what you’re already doing every day! You’re probably already aware that you can rack up miles on every purchase with a number of airline credit cards, but did you know that you can earn miles just by dining at some of your favorite restaurants? How does it work? Many major airlines are affiliated with “dining networks” that allow you to earn frequent flyer miles when you eat at certain restaurants.
  • 40% off a Flight with Chase Ultimate Rewards

    Thomas Donaldson
    28 Jul 2015 | 7:05 am
    Chase Ultimate Rewards are one of the few credit card rewards currencies that allow you to transfer your points to different airline and hotel travel partners. If you have the Chase Sapphire Preferred Card, 1 point can equal 1 cent if you redeem for cash, and 1.25 cents when redeemed for travel. But the true value of Chase Ultimate Rewards points can be unleashed when you transfer your points to one of their eleven airline or hotel transfer partners. Here is a real life example of how I recently used my Ultimate Rewards points to help a friend of mine grab some huge savings on an airline…
  • Target Debit Card vs. Target Credit Card – Which is better?

    Chris Mettler
    28 Jul 2015 | 6:47 am
    Established over 50 years ago, Target introduced the concept of a mass market discount store that caters to the needs of customers. The mission was to provide a high quality shopping experience for consumers that could also strengthen their bonds within the community. This still remains the goal for Target team members as they have branched out for new ways to provide services to their loyal customers. More recently, Target has done this by providing financing options and rewards programs through the REDcard program. This card comes two forms; one being a debit card and the other a credit…
  • Does My Credit Card Work with Apple Pay?

    Chris Mettler
    27 Jul 2015 | 11:06 am
    Apple Pay uses near field communication systems, or NFC, to process payments without actual physical contact between the user’s card and a payment terminal. Instead, the smartphone app allows consumers to store their credit card information on their mobile device and complete transactions by hovering or tapping their phone over a payment terminal. Along with the additional convenience, Apple Pay provides an extra level of security by creating a unique account number for each card and only transmitting encrypted data to the merchant during payment. Banks Flocking to Apple Pay Given the…
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    Feeds : Dailyworth

  • 8 Free Apps That Help You Save Without Thinking

    28 Jul 2015 | 9:00 pm
    Save, Save, Save Raise your hand if you want to save more. Okay, keep it raised if you feel like there just isn’t enough time to figure out your budget or calculate how much you should be putting away. Well, all that is about to change. There are tons of ways to save beyond searching for coupons or using your bank’s limited mobile app. Offering everything from hands-off investing and insta-personalized budgets to custom savings goals and sophisticated ways to track your daily expenses, these apps up your savings game without taking more of your precious time. Read on to find the…
  • What I Would Say to My Past Debt-Ridden Self

    23 Jul 2015 | 9:00 pm
    I was recently having a conversation with one of my best friends, who is completely overwhelmed by debt. Whenever I offer to help, she says, “There is no way I can get out of debt. I need to have a life. What am I supposed to do, stay at home and have no fun or social life?” I want to scream back, “It doesn’t mean you have to stay in every night eating Top Ramen!” But if I'm being honest, it wasn't very long ago that I was in her shoes — stubborn and convinced that digging myself out of debt would mean committing to a lonely and pathetic life. After…
  • The Warning Signs of Financial Abuse

    19 Jul 2015 | 9:00 pm
    [Editor's Note: The following piece contains descriptions of graphic violence.] One hot summer afternoon, 15-year-old Nancy Salamone was hanging out on the boardwalk at Orchard Beach, in her hometown of the Bronx, which is how she spent most of her lazy summer breaks. But though it started out like any other, this particular day would end up changing the course of her life. She caught sight of a handsome older guy strolling by, and to her surprise, he approached her and started flirting. “I was like, ‘Oh my God, he’s talking to me!’” she remembers. “I…
  • 8 Expenses Every Woman Should Plan For

    15 Jul 2015 | 9:00 pm
    Expect the Unexpected Prioritizing an emergency fund (savings for three to six months of expenses) is paramount to being an independent adult. You heard it here first: Saving for a lovely vacation or coveted new toy should absolutely come second to saving for the unexpected. Here are the eight expenses — both big and small — that every lady should budget for. Being Unemployed Nobody has job security. Nobody. People get fired, companies go under, clients can change their minds, and contracts can be broken. But if you suddenly lost your job tomorrow, would you be okay for a few…
  • How to Buy a House — Without 20 Percent Down

    14 Jul 2015 | 9:00 pm
    It was drilled into my head as a kid — if you're going to buy a house, you need to contribute a 20 percent down payment. As an adult, as I pinched pennies and read Dave Ramsey books from cover to cover, I heard similar statements — If you can't put down at least 20 percent on a house, you can't afford it. Even better, pay for your house outright, with cash! But six months ago, for a variety of reasons, it was time to buy a house — and my husband and I had nowhere near 20 percent for even the most modest dwelling. What we did have saved, we decided, would cover…
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    Money Q&A

  • New Survey Shows Millennials Have Little Savings For Retirement

    Guest Contributer
    15 Jul 2015 | 3:36 am
    Maybe it’s because this generation makes less money than previous generations did, or maybe it’s because Gen Y burns through cash without saving much of it. But either way, millennials are not prepared long-term. This generation is pushing back the big financial decisions in life like buying a home and establishing a viable retirement plan. A new survey[1] from the Indexed Annuity Leadership Council (IALC) reveals that 15 percent of millennials have less than $25,000 saved. One-in-three millennials say they set aside no money for retirement and 24 percent say they owe more than they have…
  • How To Invest In The Dogs Of The Dow

    Hank Coleman
    13 Jul 2015 | 4:00 am
    How to invest in Dogs of the Dow is simple. Rookies to the stock market know that there are certain people who succeed. They’re the ones with a plan. They have a strategy. That’s where the Dogs of the Dow investing strategy comes in. People are intimidated by the stock market. They often make it more complicated than it needs to be. The Dogs Of The Dow investing strategy is simple. Anyone could understand it. Yet, it has effectively made money for a lot of people. How To Invest In The Dogs Of The Dow Highest Dividend Yield The Dogs Of The Dow investing strategy is based on the…
  • Simple Ways To Free Up Your Personal Cash Flow

    Hank Coleman
    8 Jul 2015 | 3:21 am
    Do you find yourself short on cash by the end of every month? Are you trying and failing to meet savings goals? It may be time to reassess your personal cash flow. Cash flow simply refers to your income after taking away your expenses. Ideally, you should have money left over after taking expenses out in order to save rather than accumulate debt. Taking a good look at where your hard-earned money goes each month can help you redirect it in more advantageous ways, so that you are better able to maximize your paycheck. Here are a few first steps to take. 1. Look at your existing contracts. One…
  • Upromise Is The Fast And Easy Way Way To Save For College

    Hank Coleman
    29 Jun 2015 | 4:00 am
    When it comes to saving money for college, many students and parents are turning to extra jobs, grants, student loans, and scholarships. But, there’s another way that you can earn money for college. At Upromise, they’ve gone the extra mile and made it easy to save for college. What Is Upromise? You can join Upromise for free. That’s right, absolutely free of charge. Once you’ve become a member you can begin shopping on the Upromise website through featured shopping partners. These are merchants that you are already shopping with, but by buying things through the…
  • The Benefits Of A Home Warranty Plan

    Hank Coleman
    22 Jun 2015 | 4:00 am
    If you do not have a home warranty, then you may want to consider getting one. Whether you are selling your home, renting it as a landlord, or living in it yourself, there are quite a few benefits of a home warranty that you can take advantage of using. Your Home Will Be Preferred By Buyers If you want to make your home a preferred home to potential buyers, then you will want to have a home warranty plan on your home to help you attack buyers. When you have a home warranty, then the chances are there will be more potential buyers interested in buying your home. A Gallup Poll revealed that 8…
 
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    Creative Money

  • Crazy-easy mid-year money moves you can do yourself

    Mindy Crary
    28 Jul 2015 | 4:07 pm
    Here are the top 9 crazy-easy mid-year money moves you can do yourself! Do-it-yourself money moves Look forward 6 months.  What have you got coming up that you need to pay for?  A vacation?  Um, the holidays?  Start deciding how much you want to spend and start stashing that away…for example, if I decided to spend $3,000 on gifts and travel by in December, I should be setting aside $600 per month ($3,000 / 5 months = $600) if I haven’t started sooner). Extra credit:  While you’re at it, look out 12 months and calculate how much you need to save ongoing (I always find that if…
  • How to invest your money right now

    Mindy Crary
    23 Jul 2015 | 10:44 am
    This is a weird time in the investing world…the Fed is artificially keep interest rates down, which affects the bond market.  The stock market is super high.  Deciding how to invest your money right now is especially confusing, so here are some options. How to invest your money right now Understand.  I decide where to invest based on how soon people need their money…here are some guidelines to help you mentally divide your investment buckets based on timeframe. Confidence.  Women are better investors!  Here is the data to back that :o) Reality.  Here’s an interesting…
  • Spiritual money and law of attraction roundup

    Mindy Crary
    14 Jul 2015 | 11:12 am
    I admit it…I’m a little woo-woo.  I think the difference between my practices and a lot of other people is, these are tools in my toolbox, but I’m not attached to anything—which is essential to the Law of Attraction.  I just see these as resources that make me feel good and grounded—sometimes around my money, sometimes just grounded in life. Law of Attraction and Spiritual Money Resources Here are the most effective resources to help you with your spiritual money journey and the law of attraction: Weekly White Light.  Belinda Davidson has some great Chakra Clearing tools, but…
  • How to organize your personal financial data

    Mindy Crary
    7 Jul 2015 | 10:53 am
    Here’s a few simple steps to help organize your personal financial data. Organize Monthly Bills I have moved to paying all of my bills online, either through automation, or simply paying on line when I get the email notification.  This includes stuff like Household Bills, Credit Card Statements, Mortgage Statements, etc.  I don’t download the monthly statements anymore; after I pay each bill, I simply file the bill email notification Under “Bills” in my Gmail folder, and then when I get the payment email notification, I file that under “Receipts” in my Gmail folder (I had to…
  • How @Pinterest helps me define my money values

    Mindy Crary
    30 Jun 2015 | 2:26 pm
    To make the best use of every dollar that comes into and leaves your household, you have to know what your values and priorities are.  And for me, nothing has clarified that more than pinning stuff on Pinterest! Pinterest and money clarity For those not on social media, Pinterest is a virtual inspiration board…you see something you like, you “pin” it to your boards, organized by different topics.  I’ve got lots of boards…for outfit ideas, for recipes, for color inspiration, cute animal pictures, for home décor ideas, for landscaping ideas…and one board for things I…
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    Three Thrifty Guys

  • Ooma HD2 Handset Review

    Charlie
    28 Jul 2015 | 3:35 am
    Recently, I was given the opportunity to try out Ooma HD2 Handset as another add-on option to my Ooma home phone system. In testing the unit I looked for ease of setup, how it compared to our existing analog phone, distance the phone signal reached and overall rating. Ease of setup Press the wireless signal in the upper right area of your Ooma base unit The Ooma HD2 Handset was very easy to set up. Just follow these instructions: Remove from box, and install batteries in handset. Plug into dock if no image comes up on the front display. Once docked, press the wireless signal in the upper…
  • Amazon Fire TV Stick Review – A Streaming Device That’s Easy to Use and Thrifty

    Aaron
    24 Jul 2015 | 4:39 am
    This past October, my thrifty friend Charlie gifted me with an Amazon Fire TV Stick for my birthday. Not being as technologically advanced as he is, I hadn’t heard much about the device and what it could do. When I opened it up and tried out the device, I was immediately hooked. Streaming is the new way to watch TV The trend these days seems to be that more and more of us are cutting the cable cord. But many of us still want a way to stream the shows and movies that we enjoy – when want. This is where streaming comes in. Instead of accessing cable, we are using our internet…
  • Financial Peace University Review

    Charlie
    20 Jul 2015 | 2:00 am
    “If finances was all about math, then all mathematicians would be millionaires.” During the first few weeks of our nine week course, I was hit with a realization: The reality that finances are more about behavior modification, then about numbers. It is more about suppressing wants and purging your life of debt (like a disease). When my wife and I entered the class, I had a feeling that I had a pretty good handle on our family’s finances. We thought we were on pace for being financial independent and were “ahead of the game.” However, after about the third or…
  • Financial Moves That Will Give You Peace of Mind

    Aaron
    17 Jul 2015 | 5:01 am
    Over the past month or so, we’ve incurred some larger expenses related to unexpected car repairs and other miscellaneous things. But, I really wasn’t overly concerned and managed to keep my peace through it all. None of these expenses caused us to stress over being able to pay the bills or caused us great worry. The reason we were able to keep things status quo through it all wasn’t anything magical. We just had savings to back us up. While my wife and I try not to place all our hope in money – there is something to having some on hand that provides more peace of…
  • How Long Should You Keep a Car?

    Aaron
    8 Jul 2015 | 5:08 am
    I’ve come to a fork in the road with my beat-up, 210,000 mile, 2004 Saturn Ion. I wrote about her awhile back, when I duct-taped the passenger-side door (I’ve had to tape ‘er several times since then – and the door is still hanging on!). The issue: how long should I keep driving it? Here’s my default, thrifty guy answer: until it breaks down. While I hate the idea of having it go kaput on me in the middle of the highway in rush hour on the way to work (sorry, this is my worst case scenario that runs through my head every time I take it out for a spin these…
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    Nerd's Eye View | Kitces.com

  • One Insurance Agent’s Transition To Fee-Only RIA, In Just A Few Months…

    Michael Kitces
    30 Jul 2015 | 4:01 am
    Making a big change in your advisory business can be scary, and there's perhaps nothing more scary than breaking away from where you started your financial services career to go out on your own as an independent RIA. From wondering whether your clients will come with you, to facing the burdens of being the business owner responsible for everything, to just the transition process itself, there's a lot to deal with. In this guest post, Daniel Wrenne - a former Northwestern Mutual agent turned fee-only independent RIA - shares the story of his own transition process, and the surprisingly fast…
  • How Has The 4% Rule Held Up Since The Tech Bubble And The 2008 Financial Crisis?

    Michael Kitces
    29 Jul 2015 | 4:01 am
    The 4% rule has been much maligned lately, as recent market woes of the past 15 years – from the tech crash of 2000 to the global financial crisis of 2008 – have pressured both market returns and the portfolios of retirees. Yet a deeper look reveals that if a 2008 or even a 2000 retiree had been following the 4% rule since retirement, their portfolios would be no worse off than any of the other "terrible" historical market scenarios that created the 4% rule from retirement years like 1929, 1937, and 1966. To some extent, the portfolio of the modern retiree is buoyed by the (only) modest…
  • MailBag: Offering Insurance Solutions As An RIA, And How To Handle Life Insurance With An Outstanding Loan At Death

    Michael Kitces
    28 Jul 2015 | 4:01 am
    Many readers of this blog contact me directly with questions and comments. While often the responses are very specific to a particular circumstance, occasionally the subject matter is general enough that it might be of interest to others as well. Accordingly, I occasionally post a new "MailBag" article, presenting the question or comment (on a strictly anonymous basis, of course!) and my response, in the hopes that the discussion may be useful food for thought. In this week's MailBag, we look at how to structure an advisory firm that is aiming to be an RIA and help clients to implement…
  • How Video Conferencing Can Put The Face-To-Face (Back) Into Distant Financial Planning Client Relationships

    Michael Kitces
    27 Jul 2015 | 4:01 am
    Financial planning is a relationship business, but in our increasingly mobile and time-stressed society, it’s harder than ever to maintain face-to-face relationships. Not just because it may be difficult to find a time to schedule an in-person meeting with clients, but also because many clients relocate and aren’t even in the area for a face-to-face meeting! Yet with the rise of broadband internet access, it is now increasingly feasible to use video to connect with clients at a distance. Of course, many advisors already communicate with clients at a distance via emails and telephone…
  • Weekend Reading for Financial Planners (July 25-26)

    Michael Kitces
    24 Jul 2015 | 11:39 am
    Enjoy the current installment of "weekend reading for financial planners" - this week's edition kicks off with a look at the landscape for the Department of Labor's fiduciary proposal, now that the public comment period has closed (with a whopping 775 comment letters submitted!), and moves on to public hearings, potential revisions of the rule... and a looming deadline of implementation in 18 months or risk having the rule derailed by the next administration. From there, we have a few technical planning articles this week, including a look at the woes of energy-related MLP investments that…
 
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    Epic Finances - Investment Blog

  • Are Stock Buybacks Good or Bad? It all depends on your Specific Situation

    Carmello
    26 Jul 2015 | 4:00 am
    Whether you’re a bullish investor or a bearish investor, stock buybacks are something that you’ve probably been talking about over the last couple of years. The fact is, buybacks have long been touted by bullish investors as having many excellent benefits, including the fact that shareholders get return capital without being taxed twice, which causes the per share earnings increase and, technically, increases demand for the company’s shares as well. If you talk to a bearish investor however, they will tell you that buybacks are the reason that earnings have risen during the…
  • Look for an Excellent Equal Weight ETF Portfolio? EQAL may be your answer

    Carmello
    19 Jul 2015 | 4:00 am
    Most investors looking for and equal-weight exchange traded fund look first at its age but, If you look at the Power Shares Russell 1000 Equal Weight Portfolio (EQAL), you quickly realize that, sometimes, age doesn’t matter. Tracking the Russell 1000 Equal Weight Index,  EQAL debuted in December 2014. One of its direct competitors in the ETF market is the iShares Russell 1000 ETF (IWB) and, since December, it is handily been winning the competition. If you look at the year-to-date to comparison it looks like EQAL is only slightly outperformed IWB but, if you go back to their December…
  • 5 Habits of Successful Investors

    Carmello
    12 Jul 2015 | 7:53 am
    If you were to take the time to look at someone who’s very successful you would find that, no matter what they do, they have certain habits that they never break, and those habits are the backbone of their success. It’s the same thing with successful investors; they do certain things habitually that lead them to success. With that in mind, below are 5 Habits of successful investors that, if you want to be successful at investing yourself, you should definitely copy. Enjoy. Habit #1: Successful investors save regularly. If there’s one key to being a successful investor,…
  • Renting a business property? Then consider these factors

    Carmello
    6 Jul 2015 | 3:13 pm
    Your website has been shifting product like hot cakes, you’re staring at the big bucks and it doesn’t seem as though demand is tapering any time soon – but you’ll need a business property if you want this success to continue. Indeed, while the web can help you reach a global audience, your market reach will always be tempered by giants like Amazon or Play. Small web companies are destined to become little more than boutique enterprises without some presence in the real world. But finding a shop to let can help you reach a local audience and give your service a greater level of respect…
  • The Most Important Questions to Ask Yourself Before you Begin Investing

    Carmello
    3 Jul 2015 | 3:00 am
    As a beginner investor it’s sometimes difficult to determine where usually start, or what investments you should start with. Should you start with stocks or bonds, or should you open an IRA or possibly purchase an annuity? One thing you definitely need to keep in mind is that every investment you make comes with a certain degree of risk. For example, most securities aren’t insured by the federal government. If they fail, you lose your money, even if you purchased them through your bank or credit union. Below are a number of the most important questions that you need to ask, and…
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    The Savvy Scot

  • 5 Simple Ways to Lower Your Housing Expenses

    Pauline
    10 Jul 2015 | 12:36 am
    Good morning everyone! Over at Reach Financial Independence, I have a guest post from Tina Roth a personal finance blogger at PROFinance blog. She will share a few simple tips to guide you about how to save on housing expenses. Click here to read more… The post 5 Simple Ways to Lower Your Housing Expenses appeared first on The Savvy Scot.
  • 4 Things you can’t miss in Lima

    Pauline
    18 Jun 2015 | 10:13 pm
    I remember my first stay in Lima twelve or so years ago, I was just expecting to go through the city as quickly as possible and get out to explore the other  wonders of Peru, like the colonial city of Cusco, the magnificent ruins of Macchu Picchu, or the altitude lake Titicaca. Lima at the time had a bad reputation of being violent, and not at all that interesting compared to the rest of the country. But the I had to stay there for a while, waiting for my mother to join me from Europe for our two week trip. And as I ventured to explore the city, thinking “might as well make the best of…
  • Summer Vacation on a Budget

    Pauline
    11 May 2015 | 11:05 pm
    This is a guest post from my VA Clarisse. Let me know if you would love to guest post on Savvy Scot! S-U-M-M-E-R is already here and I just came home from a great vacation with my daughter, my younger sister and her BF. We decided to visit our hometown Cebu because it’s been almost 10 years since the last time I visited; my sister and daughter went there 3 years ago. Let me give you a little idea about Cebu City, it is the capital city of the province of Cebu and is the “second city” of the Philippines, being the center of Cebu, the second most populous metropolitan area in the…
  • 10 ways to Get Fit Without Going to the Gym

    Pauline
    12 Apr 2015 | 11:05 pm
    Good morning everyone! This is a guest post from my V.A. Clarisse. Let me know if you want to guest post on Savvy Scot.  I love working out but I stopped going to the gym since last December. Honestly, I’m not really comfortable going to the gym because I prefer to simply stay here at home with my daughter and also I’m saving every penny that I can. Recently, I noticed that I gained weight because I’m not physically active anymore, so I decided to find ways to get fit without going to the gym. Watch a Youtube exercise video This is one of my favorites on the list! I’m a big fan of…
  • Cutting Back on My Basic Spending

    savvyscot
    13 Mar 2015 | 12:16 pm
    Click HERE for Part 2 I want to start this post by saying that the cupcakes that I blogged about making yesterday were a massive success! Although it did take me two full hours and a lot of energy! I know it is not polite to give kudos to your own cooking, but the cupcakes were unreal!! All credit goes to The Alchemist who kindly confirmed today that it was OK for me to display her recipe. After reading Nelson’s recent post about plagiarism over at Financial Uproar  which is targeted at another PF blogger (I won’t name and shame) it prompted me to send an email of to check with…
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    I Need Money

  • The Industries that drive the Global Economy in 2015

    admin
    28 Jul 2015 | 2:10 pm
    Since the great recession, the global economy has struggled to achieve sustained or consistent growth. When you also consider how the changing financial landscape has altered the perception of lenders and borrowers alike, we continue to live in challenging and volatile times. Despite this, citizens have never been more engaged with political messaging, the economy and the individual engines that drive it. The recent UK election saw an estimated 30 million votes cast and the highest turnout since 1997, suggesting there is a greater desire to understand and influence the course of the future…
  • Practical Money-saving Tips for your Business

    admin
    26 Jul 2015 | 2:05 pm
    While the global business climate is generally positive at present, it is changeable and increasingly susceptible to environmental, economic and social demands. This means that entrepreneurs cannot rely on continued success even during times of growth, as they must instead maintain a proactive approach towards achieving goals and look to improve efficiency wherever possible.   Practical Money-saving tips for Forward-thinking Business Owners More specifically, it is crucial that they look to reduce operational costs in a bid of optimise profit margins. There are several ways in which this…
  • The Biggest Stock Market Events of the Past Century

    admin
    15 Jul 2015 | 2:08 pm
    The United States has grown to be the single largest economy in the world over the past few centuries. The value of everything produced in the country just last year stood at an astounding $16.77 trillion. Compare that to the second largest economy, China, and it’s easy to understand why the nation has such a major impact on the global economic climate. But this monumental growth over the years has not come without a fair dose of colossally major struggles. Economists love to point out that growth can never come in a straight line, and this is especially true for America. Not only has the…
  • How to Maximise the Value in your Home in 3 Simple Steps

    admin
    7 Jul 2015 | 2:36 pm
    If you want to understand how quickly the global property market is expanding, take a look at the rental sector. While this may sound strange, aspiring buyers tend to turn to the rental market when property prices soar outside of their means. This in turn creates a competitive market where demand exceeds supply, enabling landlords to increase their rates. The UK market provides a relevant case in point, as an excess of demand is expected to trigger an average annual rental increase of 7.5% over the next 18 years. How to optimise the value in your Home as a Vendor The strength of this sector…
  • Understanding ROI in the Property Market: How to Optimise your Investment

    admin
    6 Jul 2015 | 5:42 pm
    Investment is a broad and diverse entity, with numerous channels and products that offer variable returns. Selecting the right one is crucial, as your portfolio must reflect your budget, philosophy and expectations as an investor. This is particularly important for anyone who aspires to invest in property, as there are many different ways in which you can commit your capital within this market. Regardless of your chosen medium, however, the most important thing to understand is the potential scope of your return on investment (ROI) and the timeframe for this. This will help you to consider…
 
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    Zoho Blogs

  • Infographic: The Secret Sauce to Embedded Works’ Phenomenal Sales & Marketing Success.

    Ambi Moorthy
    30 Jul 2015 | 8:45 am
    “Running my company’s sales & marketing function for the past 9 years on, Zoho has been an amazing experience. If I had to choose one piece of software for running my entire business it would be Zoho.” That’s what Andy Do, President at Embedded Works told us when we visited his office in Santa Clara, California. Check out how Andy integrated his entire sales & marketing function into Zoho below.
  • 3 Copywriting Mistakes that Kill Your Cold Emails

    Guest
    28 Jul 2015 | 6:56 am
    Your prospects delete most of the cold emails sitting in their inboxes, and they’re probably deleting yours, tooDon’t confuse your prospects by sending unclear messages. Focus on benefit-driven emails that target their specific pain points. Even if you have a solid product, your cold email campaignsoften won’t work unless you craft persuasive email copy that evokes your prospects’ emotions and moves them to take action. Below are three common mistakes that turn off your prospects and tips on how to avoid making these mistakes in your next email. Mistake #1: Your Cold…
  • Infographic: 5 Ways an ATS Reinvents Recruiting

    Gayatri
    27 Jul 2015 | 6:21 am
    It’s a perfect Monday morning: the coffee is warm, the laptop is on, and you are all set to start the task of the day. It’s quite a time-sensitive one; you need to urgently fill an opening for the web designer post. Let’s see which of these two recruiters get this job done without impeding the progress of their perfect Monday. Are you an Excel recruiter? Switch to an ATS today and discover the joys of smart recruiting!
  • Now, use Zoho Calendar through iCal

    Nanya Srivastava
    22 Jul 2015 | 4:30 am
    It’s here! Zoho Calendar’s CalDAV sync is now available for iOS and OSX. If you have an iPhone/iPad, you can now view and manage your events right through iCal, instead of accessing Zoho Calendar via the Zoho Mail app. MacBook users, too, can use iCal to access Zoho Calendar. What’s more, you can use the Calendar even when you’re offline, and later, once you have an internet connection, the events will be synced. With this sync, you can create an event in Zoho Calendar, add location and description, and invite attendees all through your iCal. You can also set reminders and…
  • 5 Ways You Can Immediately Improve the Hiring Manager Experience

    Austin Ries
    21 Jul 2015 | 8:22 am
    If you’re anything like the recruiters I’ve spoken with, it’s a fair assumption that you and your hiring managers don’t always see eye to eye. Okay maybe not every hiring manager—I’msure there are ones you’re in sync with like too-good-to-be-true-sitcom-​friendships—but whether you work with one, five or 50, there are moments you’re both frustrated. That’s because the partnership is often a strange and cruel paradox. Maintaining a strong relationship with hiring managers is the most influential factor in talent acquisition performance, but…
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    Money Estate - Personal Finance Tips Blog

  • How a Virtual Assistant Changed My Life Forever

    Money Advisor
    22 Jul 2015 | 4:08 am
    One day I woke up and suddenly I was 39 years old. The proud owner of an upper middle class home overlooking Lake Ontario in the “nice” part of town. A wife, two kids, two Labrador Retrievers, two new vehicles on lease, and an expanding cold storage business in Eastern Michigan. Never enough hours in […]
  • Using Forex Charts to Improve your Trading

    Money Advisor
    3 Jun 2015 | 12:48 am
    Have you thought about forex trading? Do you get lost in the jargon? Well, not to worry as we have broken down one of the best ways to improve your trading. Forex charts may or may not be something you are familiar with, however, if you are serious about making money from trading then taking […]
  • Asset Management Strategies

    Money Advisor
    23 Apr 2015 | 5:42 am
    Asset management is the maintenance of the desired level of service for your assets at the lowest life-cycle cost, which is the most appropriate cost for the repair, rehabilitation or replacement of an asset. As a business owner, your assets are essentially the building blocks of your business, and it is thus vital to manage […]
  • How to Invest Successfully: 3 Ways

    Money Advisor
    22 Apr 2015 | 9:21 pm
    Investing is a complex and complicated game to play. There are a multitude of different markets available to trade, and yet each of them shares this single, indisputable truth. It is not a pursuit for the faint hearted or the timid, the inexperienced or the unambitious. For those with a little bit of nous, a […]
  • What You Need to Know about Insuring a Home-Based Business

    Money Advisor
    21 Apr 2015 | 9:54 pm
    In the face of increasingly expensive office spaces in the city, more and more entrepreneurs are turning to the home. Not only is this a much cheaper alternative, but thanks to modern technology it’s now possible for many types of small businesses to make it work. Instant messaging, video calls, and the ability to share […]
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    Cult Of Money

  • Put More Money in Savings with These Five Strategies

    Alexa Mason
    29 Jul 2015 | 1:15 am
    Why do you work so hard on lowering your expenses only to blow the money you actually saved? It seems like that’s pretty normal, right? Frugality is popular and while that’s great, is being frugal actually increasing the size of your savings account? If not you can put more money in savings with one of these five strategies. Create a Bill Calendar and Mark Savings as a Bill You pay your bills every month. You write checks for rent, get online and pay things like phone bills and utilities. If you’re responsible enough to pay your bills why aren’t you saving any money? The answer is…
  • Is It Possible to Live On Minimum Wage?

    Alexa Mason
    22 Jul 2015 | 1:15 am
    Living on minimum wage seems next to impossible yet there are people doing it every day. Right now the federal minimum wage is $7.25 per hour. However, in some states minimum wage is higher than this. When I was earning $11.50 an hour I personally, had to work two jobs just to get by. Which makes me wonder how people who are earning the minimum wage of $7.25 are able to make it. Let’s take a look. What You’d Earn Per Month on Minimum Wage Our first step is to figure out what you’d bring home each month if you were earning the federal minimum wage. We’ll assume a forty hour work week.
  • How to Evaluate Investments and Find a Financial Advisor

    Robert Farrington
    21 Jul 2015 | 8:20 am
    Your decisions about investing have a huge impact on your financial future. These decisions impact the growth of your investment portfolio over time. Because so much is on the line, investment decisions can be stressful. Use these tips to evaluate investments and select a financial advisor. Your comfort level To evaluate whether or not an investment is appropriate for you, think about your financial goals and preferences. Once you answer these questions for yourself, you can evaluate potential investments. Risk tolerance: How much risk are you comfortable taking? If your investment portfolio…
  • Back to School Shopping Lists By Grade

    Alexa Mason
    15 Jul 2015 | 1:15 am
    The earlier you start your back to school shopping the more your savings can add up. However, if you’re going to be shopping early you might not have your class specific supply list for your child. In this instance having a generic list of items that your child will need based on grade can come in handy. Here are some back to school shopping lists by grade. Back to School Shopping list for Kindergarten Here are the items that your kindergartener will be most likely required to have: A pack of Washable Markers 24 or 48 ct. Crayons (My Kindergartener had to have 4 packs of 24 count crayons…
  • What if You Suck at Long Term Goals?

    Alexa Mason
    8 Jul 2015 | 1:15 am
    I hop around personal finance blogs reading about the average Joes planning for retirement, excited about how much money they’ve got stashed away and scheming up new ways to fund their financial life 20-30 years from now. I sit there wondering how they can seem so excited to reach a goal that is still decades away, and I realize, I suck at long term goals. Why Long Term Goals are So Hard I’ve admitted it, I really suck at long term goals. They don’t get me excited, like, at all. But I do amazingly well with short term goals. If I have a goal that I know I can reach in two years or less…
 
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    Live Well Simply

  • Amazon Prime Day – More Deals than Black Friday

    Josh Champagne
    13 Jul 2015 | 4:23 am
    Amazon is celebrating 20 years on July 15th by hosting more deals than Black Friday. This is for Amazon Prime Members only, but you can get a Free 30 day trial (and all the deals you want) by clicking the link below. Happy Amazon Prime Day July 15 – Exclusive Deals for Prime Members – Start Free 30-Day Trial The post Amazon Prime Day – More Deals than Black Friday appeared first on Live Well Simply.
  • Roof Repair vs Replacement

    Josh Champagne
    18 May 2015 | 12:43 pm
    Roofs will all eventually wear out and need replacement. The question is, how do you know if your roof just needs a quick roof repair job or whether it needs to be completely replaced? If you replace your roof to soon, you might just be throwing money away. Alternatively, if your roof is in terrible condition and has multiple leaks over a wide area, you may end up spending more money in the long run due to water damage in your home’s interior. To know which decision is right for you, let’s look at a few key factors in deciding to repair or replace a roof. Roof Repair vs…
  • Do Infrared Heaters Save Money?

    Josh Champagne
    2 Mar 2015 | 9:48 am
    Earlier this winter, I posted about 10 Ways to Lower Your Heating Bill. I took my own advice on the idea of “heating just the space you occupy”, by purchasing a used EdenPure US1000 Infrared Heater as well as a DeLonghi Oil-Filled Radiator for comparison. How did they perform vs each other and do infrared heaters save money? Let’s find out. Do Infrared Heaters Save Money ? Yes, they CAN! The operative word here is CAN. First you have to understand the limitations of the heater. So, don’t expect a 1,000 watt heater to pump out the high BTU heat of your central heating…
  • How to Save Money on Food and Eat Healthier

    Josh Champagne
    27 Feb 2013 | 7:06 am
    When it comes to our monthly budgets, food seems to take up a big chunk of change. We all eat at least three meals a day plus snacks, desserts, and even drinks. This all adds up fast and can consume too much of your time and money. Beyond that, however, there is also the issue of health. Many people today are overweight. Much of that weight is due to overeating or eating the wrong things. Filling up on junk foods and sugary sodas has led us to an epidemic of obesity. The health concerns associated with obesity and overeating are horrid. However, there are some ways that you can learn how to…
  • 4 Films About Money – A Great Way to Get Money Education

    Josh Champagne
    19 Dec 2012 | 5:10 pm
    Money is a fascinating medium. If you look at the back of a $20 bill, you will see these words “This note is legal tender, for all debts, public and private”.  But, what is tender, what makes it legal, and what are public and private debts? These five films about money will teach you all this and much, much more. 1.  The Ascent of Money: A Financial History of the World http://www.youtube.com/watch?feature=player_embedded&v=4Xx_5PuLIzc 2.  Inside Job (a film about the economic crisis of 2008-2009) http://www.youtube.com/watch?feature=player_embedded&v=FzrBurlJUNk 3. …
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    Wealthy Turtle

  • Book Review – The Fold

    Mike Collins
    26 Jul 2015 | 9:53 am
    A Sci-fi thriller/mystery that I just couldn’t put down, The Fold draws you in and won’t let you out.Mike Erikson is a genius with an eidetic memory who lives in Maine and works as a teacher. One day his longtime friend convinces him to check out a top secret government project called the Albuquerque Door, a portal that folds space and allows people to instantly jump from one place to another.The device will revolutionize the world.  But something is very wrong and everyone seems to be hiding something. Does the Door really work the way its creators say?  Mike’s job is to get to the…
  • Fun Family Staycation Activities That Won’t Break Your Budget

    Melissa Batai
    2 Jun 2015 | 5:58 am
    The temperatures are starting to rise, flowers are blooming and the grass is green.  You or your neighbors may even begin outdoor barbecuing.  Summer is right around the corner.  Many people take their vacations in the summer, but what happens if you won’t be one of them this year?  Maybe you can’t afford a vacation or you are saving for another goal.  Whatever the reason, you can still have fun, right in your own neighborhood with a staycation.Staycations don’t have to be boring.  Simply look at a staycation as a way to explore your own city—you become a tourist in your own…
  • The 5 Most Common Interview Questions HR Managers Ask

    Dominique Brown
    26 May 2015 | 6:09 am
    The job interview is one of the most important steps in job hunting. If you nail your initial interview session, you are one step closer to getting the job of your dreams. While interview styles vary among companies and interviewers, there are some questions that crop up all the time. A good way to prepare for an upcoming interview is to practice answering these questions ahead of time. Grab a friend to play the role of interviewer and rehearse how you would answer these common questions. Knowing how to answer these questions will build your confidence and allow you to be less nervous when…
  • Friday Roundup – Tee Ball Edition

    Mike Collins
    22 May 2015 | 4:56 am
    Friday is a time for fun and relaxation.  The work week is finally drawing to a close and the weekend can’t come soon enough.This time of year weekends are extra fun because they’re full of beautiful weather, swimming pools, BBQs with friends, and baseball season (Let’s Go Mets!) but this year is even more fun because my 5 year old son is now playing Tee Ball!I’m an assistant coach for my son’s team and it is so much fun watching him play. He’s just so into it and he’s very coach-able and open to learning which is great!  He also throws lefty and…
  • Pros and Cons of Opening a Franchise

    Mike Collins
    20 May 2015 | 7:08 am
    Opening a franchise is a way to get a head start and hit the ground running with a new business rather than having to start from scratch.Franchises have always been a popular option among entrepreneurs because they come with their own template and business plan, plus a home office that is there to help you get set up and maintain your business.But opening a franchise isn’t for everyone.  As you’ll see below, there are pros and cons to opening a franchise and you should consider them all carefully before jumping into the deep end.Pros to Opening a FranchiseBrand Awareness.  Perhaps the…
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    Bank On Yourself

  • The Article Forbes Asked Pamela Yellen to Write – But Got Too Scared to Publish

    Pamela Yellen
    28 Jul 2015 | 7:42 am
    Recently I was asked to write a full-length article for the Forbes website by one of their regular columnists. The columnist, who I’ll call “Pat” to protect the guilty, had taken my Financial IQ Quiz and found it very insightful. So Pat asked me to answer ten questions in writing for publication in Pat’s column. The questions indicated Pat knew full well that I have a contrarian take on Wall Street and that I’m an advocate for consumers and investors. They included questions like… “What are some of the scams in the mutual fund industry?”…
  • What is the Secret 770 Account and Why Do They Keep Changing Its Name?

    Pamela Yellen
    5 Jun 2015 | 11:13 am
    We’ve been getting a lot of questions about the “770 Account” and how it compares to Bank On Yourself. The 770 Account also goes by other names, including the President’s Secret Account, the Invisible Account and Income for Life. You may wonder why it goes by so many different names? There’s a reason for that which I’ll reveal in a moment. But first, let me take the mystery out of the secret 770 Account by revealing exactly what it is and how it compares to Bank On Yourself… The 770 Account is simply the name the new kid on the block, Palm Beach…
  • A 9.94% Annual Return Without Market Risk? [Video Proof]

    Pamela Yellen
    3 Jun 2015 | 7:14 am
    What if I told you that it’s possible to get an annual return of nearly 10% – without the risk of stocks, real estate or other volatile investments? Watch the Video above to see proof of the return of Bank On Yourself (then click on the icon in the lower right to enlarge) I’m pretty sure you’d wonder what I’ve been smoking! But I’m going to prove to you how the Bank On Yourself method has achieved that kind of return over the last half century. To quickly recap, Bank On Yourself relies on a super-charged variation of an asset that has increased in value every…
  • Get all your questions about Bank On Yourself answered – Live Webinar

    Pamela Yellen
    1 May 2015 | 9:15 am
    You’ve been reading about Bank On Yourself. You may have thought about trying the program. But you might have questions like… “I don’t totally get how the concept works.” “How can I be sure this is really legitimate?” “Could this really work for me in my situation? How can I find out, without actually meeting with an Advisor or feeling obligated?” That’s why I’d like to invite you to join me and three of the most experienced Bank On Yourself Authorized Advisors in the country (learn why only 200 Advisors have met the rigorous requirements) for a no-holds-barred…
  • 5 Financial Myths that Are Destroying Your Wealth

    Pamela Yellen
    16 Apr 2015 | 11:20 am
    The problem isn’t so much what people don’t know, the problem is what people think they know that just ain’t so.” — Will Rogers Remember when you were absolutely certain about something that turned out to be false? Like Santa Claus or the Tooth Fairy. Or how about the witch that hides under your bed waiting to attack so you have to flip the light switch then spring into your bed before she gets you? (Okay, maybe that one’s just me.) In honor of National Financial Literacy Month, let me just debunk a few “things you know that just ain’t so”: 1. You’ll…
 
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    Stock Market Loss

  • FINRA Permanently Bars Former Merrill Lynch Heavyweight Thomas Buck

    Jay Salamon
    28 Jul 2015 | 11:21 am
    This article was originally posted on Stock Market Loss On April 3, 2015, we mentioned that Thomas J. Buck, who was Merrill Lynch’s top financial adviser in Indiana by assets under management –reportedly $1.3 billion – had been suddenly and unexpectedly terminated for alleged compliance violations. We quoted the publication Investment News as saying: Mr. Buck was ultimately terminated because of ‘conduct including failing to discuss service level and pricing alternatives with a customer, providing inaccurate information to firm management during account reviews regarding this issue,…
  • Investors Receive Biased Advice From Stockbrokers New Study Confirms

    Jay Salamon
    26 May 2015 | 11:29 am
    This article was originally posted on Stock Market Loss In our May 18th post, we discussed stockbrokers (sales persons who purportedly dispense advice only in conjunction with selling investment products) and investment advisors (who give investment advice but don’t sell products.) Although stockbrokers are fiduciaries under the law of some states — including our own state, Ohio — many courts have held otherwise, concluding that brokers are governed solely by the “suitability rule.” The suitability rule requires a broker to ensure that each purchase, sale, or strategy…
  • Non-Traded REITs are Unsuitable for Retail Investors

    Jay Salamon
    19 May 2015 | 11:00 am
    This article was originally posted on Stock Market Loss We continue to see lots of activity involving unsuitable sales of non-traded Real Estate Investment Trusts (“non-traded REITs”). If you’re a retail customer who was sold one of these things with promises of higher yields, guaranteed returns, principal protection, or other bogus enticements, you’ve probably already lost money and may now find yourself stuck. Call us. We’ve helped many buyers of non-traded REITs recover money from their brokers. Non-traded REITs can be either public or private. A public non-traded REIT is…
  • FINRA Toughens Sanctions Guidelines For Unsuitable Recommendations

    Jay Salamon
    18 May 2015 | 10:16 am
    This article was originally posted on Stock Market Loss A stockbroker is not permitted to indiscriminately sell any available investment product to any customer he or she chooses, nor may a broker follow a “one-size-fits-all” sales strategy. Such activities are forbidden by what is generally known as the “suitability rule.” The rule dictates that brokers’ recommendations to buy, sell,  or hold securities or to follow a particular strategy must be compatible with the customer’s investment profile and must take into consideration the client’s age, investment experience,…
  • Dispute with Your Broker? Don’t Be Late to Arbitrate

    Jay Salamon
    15 May 2015 | 9:22 am
    This article was originally posted on Stock Market Loss Do you dream of finding an omniscient stockbroker who will guard your principal from loss, invest it wisely, generate above-average returns, and never cause you aggravation or harm? Well, if so, wake up. You’re dreaming, remember? A Stockbroker’ Job Is To Sell Stuff Stockbrokers are just commissioned salesmen trying to make a buck. Many are well meaning, but some can be treacherous. Most can offer some decent products and also some truly awful products, and some brokers will recommend the truly awful products simply because they…
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    DINKS Finance

  • Do you have a green thumb?

    Kristina
    30 Jul 2015 | 2:00 am
    I don’t.  Actually not at all.  But the irony is that I’m a vegetarian and love fresh vegetables and I love fresh cut flowers.  Actually I love everything about flowers: the look, the smell, absolutely everything.  However I just don’t get to enjoy them very much because a) Nick and I live in an apartment so we can’t grow a garden and b) I can’t afford to buy fresh flowers on a regular basis – special occasions only. Did you get it from your parents? I honestly think my lack of an attention span and my unwillingness to pay attention to anything other…
  • 3 Reasons to NEVER Accept a Credit Card

    Kristina
    29 Jul 2015 | 2:00 am
    Good morning Dinks.  Let me ask you a question, do you have the perfect credit card?  Maybe the answer is yes, but maybe the answer is “I don’t know”.  Many of us applied for a credit card in college and still have that credit card today.  Life goes on and maybe we never saw a need to make a change, but the truth is our banking needs – just like our personal needs – change over time as life goes on. How often do you change credit cards? Just as you change your investment strategy for every new phase of your life and you may also change your bank account as…
  • How to Maintain Good Credit

    Team Dinks
    27 Jul 2015 | 9:12 am
    This post is a contributed post from USA.gov.  See their Financial Self-Defense Kit for advice on how to build financial confidence as well as safeguard your finances. “It takes many good deeds to build a good reputation, and only one bad one to lose it.” — Benjamin Franklin Your credit history is your financial reputation. And just like your professional and personal reputations, your credit history takes many years to cultivate, can be easily damaged, and will follow you for the rest of your life. Sound intimidating? Good. Are you scared? Don’t be. Yes, maintaining good credit is…
  • Should you always buy insurance?

    Kristina
    27 Jul 2015 | 2:00 am
    Good morning Dinks.  The short answer is YES.  Remember how last week our rental car was broken in to?  And remember how my luggage was stolen last May on my way home from a weeklong vacation?  Oh and remember how last year United Airlines lost my luggage twice and delayed it once.  I am living proof that insurance is always worth the cost. I know that some people don’t buy insurance because they think it’s a waste of money.  But the question we have to ask when faced with the option is to take insurance is not “Can I afford to pay extra for insurance?”  The…
  • We Got Robbed!

    Kristina
    24 Jul 2015 | 2:00 am
    Happy Friday Dinks.  Yes it’s true as I write this Nick and I are filing an insurance claim because yesterday our car was broken in to and all our personal belongings were stolen.  Has this ever happened to you?  I have to tell you it was a less than perfect scenario, but it definitely could have been worse.  Here’s what happened… We rented a car We are on vacation all week and decided to rent a car for a few days to run errands, get things for the apartment that normal city dwellers don’t have access to such as Wal-Mart and maybe even take a weekend getaway to a…
 
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    rVoice | rplan

  • AIM Celebrates its 20th Birthday

    28 Jul 2015 | 7:24 am
    What does the history of AIM tell us about the investment opportunities available amongst smaller companies? At first sight, the Alternative Investment Market (AIM) doesn’t appear to have done investors too many favours during its first two decades. A £1,000 investment in the FTSE Aim All-share Index at the launch of the London Stock Exchange’s junior market in July 1996 would have been worth only £830 20 years later – and only that much if investors had reinvested their dividend income. Without that support, their £1,000 would have fallen to £760. Compare that to the FTSE 100
  • ISA Inheritance Made Simple

    9 Jul 2015 | 2:54 am
    Many couples have substantial sums invested and have sensibly opted to hold much of their money in individual savings accounts (ISAs), in order to shelter income and capital gains from tax. Until very recently, however, the death of one partner has potentially left the other open to the possibility of unexpected tax bills in the future. Fortunately, a shake-up of the rules has now changed the position for the better – but it is important that you get to grips with how the system works. ISAs allow everyone to shelter a certainly amount of savings and investments from tax each
  • The Benefits of Investing Early

    7 Apr 2015 | 5:11 am
    It’s the same story every year. In the final few weeks of the tax year, which comes to an end on 5 April, investors scramble to take advantage of their individual savings accounts (Isas) before they lose their tax-free allowance for the year for the good. More money goes into stock market and other funds in March than in any other month of the year. It doesn’t have to be this way. There are good reasons not to succumb to the last-minute rush – and not only because decisions made in haste are often regretted. Investing early on in the tax year rather than in its death throes makes
  • How to Choose a Fund Manager

    1 Apr 2015 | 2:11 am
    A handful of fund managers are stars of the investment world: the likes of Anthony Bolton and Neil Woodford have become household names after decades of consistently outperforming their rivals. But how much value do individual fund managers really add – and how do you go about choosing the right individual to handle your savings? What you’re looking for, of course, is better returns than rival managers will achieve. The problem is that the only data available on performance is backward-looking – and as every investors is repeatedly told, past performance is no guide to the future.
  • Why Diversifying is Important

    23 Mar 2015 | 12:25 pm
    All investors worry about risk. The secret to managing it effectively really does lie in that old adage about not holding all your eggs in one basket. Diversification is crucial to investors who don’t want to end up in a yolky mess. In practice, that means holding different asset classes in your portfolio of savings and investments. The reason for doing so is that in normal times, asset prices move independently of one another and for different reasons. For example, equity returns rise and fall in line with investors’ expectations about the performance of companies, while bond
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    Wallet Hub

  • The 2015 Brickyard 400 By The Numbers

    John S Kiernan
    21 Jul 2015 | 8:53 am
    Posted by: John S Kiernan Held on the hallowed, brick-laden ground of Indianapolis Motor Speedway each July, the Brickyard 400 has long been one of NASCAR’s most-watched races. It’s an event with cherished traditions, like the post-race kissing of the bricks, and a healthy dose of intrigue – with Jeff Gordon gunning for his sixth Brickyard crown this year and Jimmie Johnson looking for his fifth in a decade. And while there have been no fatalities during the Brickyard’s 20-year history – compared to 18 during the Indy 500 race – risk is an ever-present companion when you’re…
  • Why Is Movie Theater Popcorn So Expensive?

    Unknown
    26 Jun 2015 | 9:38 am
    Posted by: Unknown The pricing of movie theater snacks isn’t just a function of a captive audience. To better understand why popcorn at movie theaters costs so much these days, it helps to remember back 40 years to the summer of 1975 and the release of Steven Spielberg’s “Jaws.” Aside from being a great film that largely established the summer blockbuster, it also changed the film distribution industry in other ways. When “Jaws” was released on June 20, 1975, it opened on 409 screens across the country. This was a big opening for that period and it established a trend, whereas it…
  • 2015’s Best Wedding Blogs

    Matei Nicolae
    25 Jun 2015 | 8:50 am
    Posted by: Matei Nicolae While certainly joyous occasions, weddings also come at a great expense. The average wedding costs around $31,200, all things considered – an increase of 16% since 2010, despite guest lists shrinking 4%. Reports have also shown that 53% of couples spend 10-plus hours each week planning their weddings, while brides contribute an average of 36 complete days to the same task. On the other hand, hiring a wedding planner will cost you roughly 15% of your total budget. It’s therefore no surprise that brides, grooms and their families have countless questions about the…
  • How To Travel The World & Change It At The Same Time

    Unknown
    11 Jun 2015 | 8:39 am
    Posted by: Unknown We are now more connected than ever, and travel has become more accessible and affordable for many. Enhancements in technology allow us to reach someone on the other side of the globe in seconds and advances in air travel allow us to travel to destinations that only explorers could reach in earlier times. We now have over 1 billion international travelers yearly and that number is expected to double by 2030, according to statistics from the World Tourism Organization. The number of U.S. passport holders continues to rise as well, having already skyrocketed from 9% of…
  • The 2015 Indianapolis 500 By The Numbers

    John S Kiernan
    20 May 2015 | 4:26 pm
    Posted by: John S Kiernan The Indianapolis 500 is one of the most quintessentially American events on the annual sporting calendar, converging 300K visitors to the city’s storied Motor Speedway and gluing million pairs of eyeballs to television sets globally. We watch for many reasons. Many invariably tune in for the potential excitement of fiery wrecks and pit crew brawls. But then there are others who root for favorite driver or are mesmerized by the poetry of pit stops and the sheer engineering brilliance fueling cars that reach an excess of 225 mph. Much is also on the line with the…
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    Refinance and Consolidate Your Student Loans | Student Loan Hero

  • How Much Should I Put Towards My Student Loan Payment? 3 Experts Weigh In

    Melanie Lockert
    30 Jul 2015 | 1:00 am
    Every month, you dutifully make your student loan payment. You know that you could be paying more than the minimum, but is that a smart thing to do? How much should you put toward your student loan payment, anyway? It’s a question facing many of today’s borrowers. Unfortunately, as with most things in life, there […]
  • Should I Buy a House or Keep Renting? 3 Key Factors to Consider

    Paula Pant
    28 Jul 2015 | 1:00 am
    You’re tired of renting. You’re thinking about possibly taking a major step into adulthood—buying a house. But, you’re not sure if it’s the right decision. What are the pitfalls? What are the benefits? On one hand, you’re still battling student loans. You’re not satisfied with your finances. You’re not sure you want the financial and […]
  • 5 Easy Ways to Make More Money in the Sharing Economy (Starting This Week)

    Melanie Lockert
    28 Jul 2015 | 12:00 am
    You’ve heard the saying “sharing is caring,” right? But what if sharing could also make you more money? In today’s interconnected world, there are more and more ways to make extra money with very little effort. Right now. If you want to make more money, you don’t have to moonlight as a babysitter, or hustle […]
  • 6 Surprising Ways Your Credit Score Affects Your Everyday Life

    Paula Pant
    24 Jul 2015 | 1:48 pm
    Think your credit score doesn’t affect to your life right now? Guess again. Your credit score is like a fingerprint that tells people at a glance how responsible you are with your money and how much they can trust you—in all sorts of situations. Even if you’ve just graduated from college and want to live […]
  • Hate Budgeting? How to Manage Money Wisely Without a Budget

    Melanie Lockert
    24 Jul 2015 | 1:00 am
    You’ve probably heard that you should have a budget. After all, a budget can help keep your spending in check and give every dollar a job. While some swear by budgeting and can’t live without it, others (like me) are more like to swear at their budget. I’ve tried the budgeting thing, in earnest. Time […]
 
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    Everyday Financial Strategies

  • If you don’t track your budget, what is the point in having one?

    Robert
    27 Jul 2015 | 3:35 am
    For many people, the task of creating a household budget can feel daunting. However, the biggest challenge is to maintain it. If you don’t track your budget, then what is the point? A budget is your financial roadmap. It provides direction on how to spend your money. It is no different from any other plan. For example, if you’re trying to lose weight, how else would you know if you are making progress unless you weigh yourself?  The scale is your tracking tool. Despite what some may think, the household budget or monthly cash flow plan is the most important building block in your…
  • Bankruptcy Basics: What You Need to Know Before You File

    Robert
    20 Jul 2015 | 3:00 am
    Bankruptcy is the nuclear weapon of personal finance. Just like it’s counter part, the atom bomb in regards to war, it should be avoided if possible. photo credit: x-ray delta one via photopin cc Most clients that I help that want to use a bankruptcy as a way out and in fact are NOT really bankrupt. In most cases, they seek bankruptcy as the solution that will make all of their financial problems go away. When in fact, bankruptcy does not solve the root of the problem; bad financial habits. If you are considering bankruptcy or know someone who is facing bankruptcy, here are some basics…
  • What is a Revocable Living Trust? A Useful Estate Planning Tool

    Robert
    13 Jul 2015 | 3:00 am
    Follow @robertjacobs01 The Revocable Living Trust is an estate planning tool not just for billionaires. Depending on the direction of your financial plan, it may be good option for you and your loved ones. photo credit: 401(K) 2013 via photopin cc Nuts and Bolts of the Trust A trust is similar to a will. It is a vehicle that distributes your assets after your death. There are multiple types of trusts and they should be set up by an attorney. There are two types of trusts, a simple (living or revocable) and a complex (irrevocable). A simple trust is an entity that forwards income to…
  • Impulse Buying: Act Like a Jedi, Not a Sith Lord

    Robert
    6 Jul 2015 | 3:00 am
    What does impulse buying have to do with the Jedi and Sith from Star Wars? The answer is a lot. The Jedi live by a very strict code that is built on tremendous discipline, selflessness and self-control. The Sith have learned to tap the power of the Force by giving into emotion. Impulse buying is the spur of the moment, unplanned decision to buy something. Emotions and feelings play a decisive role in purchasing, initiated by seeing the product upon exposure to a promotion. It can be a BUDGET BUSTER. As goofy as this sounds, you must have the temperament of a Jedi if you want to…
  • What is a Sinking Fund?

    Robert
    29 Jun 2015 | 4:00 am
    When this post is released, I will be sleeping in my comfortable Disney World hotel room. Becky and I have planned and saved for this trip for two years. How did we do it? We used the sinking fund approach. What is a sinking fund? A sinking fund is a reserve of money set aside for some purpose. This purpose may be for paying off debt, covering non-monthly expenses, or saving for a large purchase such as a vacation to Disney World. By using a sinking fund, my wife and I did not have to borrow a single dime for our vacation. We saved up the cash, and this vacation will not follow us home with…
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    Modest Money

  • 3 Things Every Adult Should do to Prepare for the Future

    Adam
    30 Jul 2015 | 6:15 am
    This could be a long list, but of course, this is a finance site. So we’re talking about money. Being an adult has lots of ramifications. If you are in your second, third, fourth, fifth, (or more) decade of life, you’ve had the opportunity to do and try a lot of things. Maybe you have a house, a business, children, and debt related to different financing strategies. Maybe you’ve done some of these things a number of times at this point. This is one of the richest thing about being a grown up: being able to sample life in many different ways. But it’s not going to last forever, so…
  • Saving Money at College

    Adam
    29 Jul 2015 | 6:15 am
    College can be a difficult time for anyone to keep a stable financial base while investing the time and effort needed to succeed in a rigorous academic environment. Fortunately, however, there are a few ways to help you save money, whether you’re an undergraduate or graduate student, and will allow you to exit your studies with less debt, debt free, or maybe even with some savings in the bank. So here are some tips to keep your money where it matters most, in your bank account. Look at options for part-time studies Most institutions have part-time studies available at a reduced rate, which…
  • Getting Life Insurance Done Right the First Time

    Adam
    28 Jul 2015 | 6:15 am
    Getting life insurance is one of the most important financial purchases you will make. It’s important because it’s all about your loved ones. Making sure they are financially protected in the event that you die prematurely is the whole point of term life insurance. In that effort, it’s best to shop around. But who’s got the time? Trying to navigate the fine print of even one life insurance provider can take years off your life. You can never hope to inform yourself extremely well about multiple providers. It’s hard enough just to get a quote without ending up hounded by sales calls!
  • A Novel Idea for Debt Cancellation

    Andrew Black
    27 Jul 2015 | 6:15 am
    This post will relate directly only to my British readers. But it shows a very novel way that governments and businesses are handling the problem of widespread debt among the British populace. Because this problem is by no means unique to the people of continental Europe, this method of debt repayment is among the most progressive found anywhere in the world. Debt is a real problem. And it’s not just a problem for individuals, hindering their futures and what not. It’s a big deal for nations as a whole. If you’re a nation with 300 million residents, 40% of whom are racked with debt,…
  • Finding the Best Forex Trading Brokers

    Adam
    24 Jul 2015 | 6:15 am
    The following is a 3rd party contribution. I’ve been asked this question so many times, and there isn’t actually a definitive answer. It’s rather like telling you what is the best cheese. There is really no answer to the question. We all have different tastes, and we, therefore, all like different cheeses. (Some people don’t like any sort of cheese!). The simple fact is that we all trade differently, and therefore, all have different opinions. What suits one will not suit another. There’s no “one size fits all”. It isn’t going to happen. You like to take a risk. I like to make…
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    Save Invest Give

  • Investment Critics

    S. B.
    24 Jul 2015 | 9:19 am
    "The person who says it can't be done should not interrupt the person doing it." - UnknownOne of the more enduring criticisms of this blog has concerned the active management of my investments. There has always been no shortage of people telling me I'm a complete idiot for failing to passively index everything. Over the years, I never responded to any of these critiques. In a way, they rather amused me, as I'm nearly certain that I've read far more EMH literature than all my negative commenters combined. I know very well what efficiency is and what it is not. But still, throughout life…
  • Asking the Right Questions

    S. B.
    22 Jul 2015 | 5:04 am
    "We thought that we had the answers.  It was the questions we had wrong." - BonoMore than 8 years ago, the very first sentence of the very first post of this blog began with a warning from Aristotle: "Those who wish to succeed must ask the right preliminary questions."Nowhere is this failure to ask meaningful questions seemingly more evident than when discussing net worth.  Several of the big personal finance blogs have series where they profile high net worth readers.  Each article in the series features a different person, complete with a little personal background and…
  • The Future of This Blog

    S. B.
    11 Jul 2015 | 2:08 pm
    In order for me to feel good about keeping this blog around for a little while longer, it needs to undergo a few radical changes.  I've always disliked the fact that since the very beginning of this blog, most people only visit as a "drive-by" to check out my net worth. I've decided to stop enabling that sort of behavior by simply dismantling the net worth, portfolio, and progress parts of this site.  Yes, my net worth is over two million now, and that's the last I intend to ever say about it on this blog.The other major change is that from here on out, comments are…
  • Financial Literacy

    S. B.
    11 Jun 2015 | 5:23 am
    April was proclaimed as National Financial Literacy Month in the United States.  During that month, a top 5 financial magazine ran an article by a self-described "financial educator" who tried to argue that the real problem was not actually financial literacy, but rather "financial unawareness".  The article stated that most personal finance issues involve only overextension, self-deception, and lack of motivation, not lack of knowledge.  In an attempt to downplay the need for basic financial knowledge, the author made the following statement:"If you can write a check,…
  • Finances and Control

    S. B.
    4 Jun 2015 | 4:49 am
    Yeah, you'll never be wholeYeah, you'll never be wholeUntil you lose control - Foster the People, A Beginner's Guide to Destroying the MoonThroughout the years, this blog has often stressed the importance of financial automation.  Having just been through a particularly hectic and chaotic time of my life, I have come to a fresh appreciation for it.Automation is not a novel idea.  Most financial bloggers have written about it at some point.  But there is still a sizable minority that strongly resist any serious automation of their finances. The most common…
 
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    NerdWallet News

  • Building Wealth: Stick to It and Ignore the Joneses

    Advisor Voices
    29 Jul 2015 | 10:42 am
    By Anthony Isola Learn more about Anthony on NerdWallet’s Ask an Advisor Building wealth is a process, not an event — a process that takes discipline and a long-term outlook. You must focus on yourself, not what others are doing. Work hard and maintain a consistent approach. This may not be easy, but it’s doable for most people if they choose to make a commitment and stick to it. In the end, though, the “stick to it” part is what usually trips people up. In an excellent post on his blog Seeking Wisdom, Jana Vembunarayanan gives a fantastic summary of how to succeed at just…
  • High-Fee 401(k) Convenient for Employer, Costly for You

    Advisor Voices
    29 Jul 2015 | 8:15 am
    By Jonathan Broadbent Learn more about Jonathan on NerdWallet’s Ask an Advisor Workplace retirement plans such as the 401(k) have a lot of moving parts. You might not recognize that fact, because the firms that oversee these plans make it all appear seamless. But if you read one of those “fee disclosure” statements that show up about once a year, you may be surprised to see how many people and firms are involved. This isn’t necessarily a bad thing, but it’s something that someone should be managing. Reading through your “Participant Fee Disclosure,” you’ll see a host of…
  • Don’t Wait Till Year’s End to Fix Up Your Finances

    Advisor Voices
    28 Jul 2015 | 11:23 am
    By Catherine Hawley Learn more about Catherine on NerdWallet’s Ask an Advisor Can you believe we’re well over halfway through 2015? It’s amazing me how quickly things move. In just a few months, you’ll start to see a lot of articles full of end-of-year financial advice. That December 31 deadline is always a powerful motivator — not to mention it makes for good headlines! But you shouldn’t wait until the end of the year to get your finances in order. If you can find just one thing to improve right now, take action! Here are a few things I’ve done that might inspire you to…
  • New Scam Tricks Advisors Into Giving Up Clients’ Money

    Advisor Voices
    28 Jul 2015 | 8:58 am
    By Arie Korving Learn more about Arie on NerdWallet’s Ask an Advisor Financial fraud has always been a problem, but the Internet has enabled entirely new ways of stealing money. We recently received an alert about a new scheme to defraud advisors and their clients. The scam begins with an email to an advisor that includes a bogus invoice. The email appears to come from a client, and it includes a request to send money directly to the business listed on the invoice. The invoice might appear to be for purchases such as antiques or art, or for such things as attorney fees or legal settlements.
  • 6 Habits of Highly Successful Savers

    Advisor Voices
    28 Jul 2015 | 8:27 am
    By Jim Ludwick, CFP Learn more about Jim on NerdWallet’s Ask an Advisor With the utmost respect and honor to Stephen Covey for my very similar title (Covey’s “7 Habits of Highly Effective People” is on my recommended reading list), I’d like to talk about habits. Specifically, good saving habits that could put you in a position to retire on your schedule — early, if that’s what you want to do, or whenever you’re ready to exit the workaday world. 1. Pay yourself first Highly successful savers maximize their retirement plan at work, or they create one if they’re self-employed.
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    The Truth About Credit Cards.com

  • Set Travel Notifications for Your Credit Cards Before You Leave!

    Colin Robertson
    29 Jul 2015 | 12:46 pm
    If you’re taking a vacation soon, don’t forget to set travel notifications on all the credit cards and debit cards you plan on taking with you before you leave. These notifications inform your card issuers that you will be traveling in specific locations on specific dates so your charges will be approved. Otherwise they may [&hellip
  • Get $15 Off $50 via American Express Shop with Points at Amazon

    Colin Robertson
    28 Jul 2015 | 1:12 pm
    Looking to save some money at Amazon? Well, there’s an awesome promo going on until July 31st that allows certain American Express cardholders to get $15 off purchases of $50 or more when using points to make a purchase. The great thing is that you can use as little as one Membership Rewards point to [&hellip
  • Downgrade Your Credit Card to Avoid the Annual Fee

    Colin Robertson
    21 Jul 2015 | 3:44 pm
    It’s no secret that some of the best credit card sign-up bonuses happen to be the very same credit cards that come with hefty annual fees. Hello Citi Premier and Prestige. While this can certainly be worth the cost, there are times when it simply doesn’t make any sense to keep paying the annual fee, [&hellip
  • Should You Opt Back In to Receive Targeted Credit Card Offers?

    Colin Robertson
    9 Jul 2015 | 10:59 am
    In an earlier post, I spoke about a targeted offer for 70,000 United miles via the MileagePlus Explorer Business card. Normally that offer is only 50,000 miles, but the individual who received it was targeted and sent a mailer because they’re opted in to offers via postal mail from Chase. Or perhaps they didn’t opt [&hellip
  • Look Out for the 70,000 Bonus Offer on United MileagePlus Explorer Business

    Colin Robertson
    7 Jul 2015 | 3:33 pm
    Anytime you’re even remotely thinking about applying for a credit card, it’s good practice to determine if there are any special offers available. And during that process, perhaps also find out if there’s a better alternative to the card you were originally looking at. After all, you might be at the Chase website staring at [&hellip
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    PennyMac

  • Early Mortgage Payoff Options

    16 Jul 2015 | 12:00 am
    Paying off your mortgage early sounds like a dream, right? Well, it doesn’t have to be. You can make it a reality with extra mortgage payments. By applying additional funds to the principal, you can reach an earlier payoff date and save interest over the life of the loan.
  • Should I Pay Off My Mortgage Early?

    16 Jul 2015 | 12:00 am
    Each financial decision is unique and depends on one’s goals. There are many considerations when it comes to your mortgage. Imagine, though, the lucky homeowners who are unconcerned with how to pay their mortgages, but how quickly they can eliminate them entirely. Surely no downside exists to paying off your mortgage early, right?
  • 7 Steps to Buying an REO Property

    20 May 2015 | 8:00 am
    Buying a home at an REO sale can be an excellent opportunity to get into a property while saving money since "real estate owned" by the lender is frequently priced at a discount. While REO homes might need some work, it can be an opportunity to immediately create value so that you can end up with equity in your house from day one. Buying a home at an REO sale is similar to the process of buying one at any other sale.
  • Enhancing Your Online Mortgage Account!

    7 Apr 2015 | 12:00 am
    We listened and it’s here! We completely redesigned our loan servicing website with features that allow you to access your loan information from your computer, tablet, or mobile device. Top to bottom, every aspect of your logged-in experience has been rebuilt and reconsidered with the focus on improving your overall online mortgage experience.
  • Information on Your Year End Mortgage Tax Statements

    18 Feb 2015 | 12:00 am
    PennyMac issues the Year End Statement (also known as a Form 1098 or annual tax statement) annually to mortgagors for income tax reporting purposes. This statement includes the total amounts for interest paid and property taxes paid from your escrow account (if you have one) for the entire year.
 
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    Moneycation

  • Death and disgrace insurance might sound extreme - But it's on the rise

    A.W. Berry
    28 Jul 2015 | 5:44 pm
    By Peter CollinsA well as earning huge amounts of money from their movies, sports or TV careers, celebrity and athletes also benefit from plenty of lucrative endorsement deals and marketing campaigns. Nike, Adidas, Coke, Pepsi… countless brands have promoted their products off the back of a famous face.But the issue with this is that you’re staking your brand on that celebrity’s reputation, and it can, and does, go wrong. And, thanks to the wonders of the Internet, it’s everywhere in seconds. So what are advertisers doing to cover themselves in case the worst happens?The rise of death…
  • Maintaining your credit score by legal means is important

    A.W. Berry
    27 Jul 2015 | 5:17 pm
    By Andrew ReillyGiven the importance of your credit rating when it comes to your finances and things that you are able to achieve, it is important that you stay on top of your credit rating. If your credit score is not as high as it should be, it makes sense to take steps to improve it. This will pay dividends in the short and long term but it is important to be aware that not all steps you can take to improve your credit rating are as effective as others.However, there are also some steps which should be avoided at all times, which is likely to be the case for a man from Bury St Edmunds who…
  • Housing benefit fraud remains a serious crime

    A.W. Berry
    24 Jul 2015 | 6:54 pm
    By Andrew ReillyWhen it comes to the severity of crimes, different people will have different views and opinions on what constitutes a serious crime. While the majority of people see attacks and assaults as being the most serious form of crime, the courts have a tendency to provide harsher punishments to people who commit fraud or indulge in crime which involves the theft of large sums of money from the government or the banking industry. The fairness of this approach can be debated long into the night but there is no doubt that what some people deem to be a serious crime will be…
  • Creating and sustaining a fair workplace

    A.W. Berry
    17 Jul 2015 | 7:00 am
    An ideal workplace consists of employees who feel like their voices are heard, their concerns are met, their opinions matter, and that they are treated fairly and equally. In turn, such a workplace remains productive, successful, and has good morale. While the idea of a fair workplace seems easy enough to conceive, it can be difficult to establish and sustain due to differences among employees and employers. An unfair workplace is more than just differing opinions; according to the employment lawyers at Cohen & Jaffe, racial/sex/gender discrimination, age discrimination, and wrongful…
  • Is the cheapest insurance worth it?

    A.W. Berry
    16 Jul 2015 | 5:29 pm
    By Lautaro MartinezChances are you will purchase insurance at some point in your life. Whether you are purchasing car insurance, home insurance, life insurance, health insurance or another kind of insurance, it is important that you choose the right policy for both your needs and your budget. Unfortunately, some people are unsure of how to find this balance. Here are the pros and cons of buying the cheapest insurance, the possible dangers you should look for, and how you can be sure that you are getting the best deal for your price.Pros and consThere is one obvious advantage to choosing the…
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    LCF on Personal Finance

  • 10 things you don’t have to worry (much) when you are not rich & famous

    ChingFoo Lieu
    29 Jul 2015 | 7:39 pm
    The majority of the population have to manage, in some form or another,  the struggles of living with financial issues. The other part of the population who are very well off, seems to have no financial-related worries, but is this true? If they were ever to talk about their problems, they’re usually labeled as “first world problems.” The rich and famous do suffer from legitimate problems like “normal” people. As the old saying goes, being rich doesn’t mean all your worries and problems will go away. Money doesn’t buy happiness after all, right?  Below are the first world…
  • 166 KLSE stocks counters you want to stay away from

    ChingFoo Lieu
    15 Jul 2015 | 11:57 pm
    It is common sense not to invest in stocks or warrants of PN17 or GN3 companies unless you want to increase the odds of losing your hard-earned money – which in that case, going to Genting probably gives you more thrill. Apart from that, it is equally prudent to not invest into companies with one or more of the criteria below. Balanced sheet shows too high leveraged (net gearing > 150%) Operating losses for 3 consecutive years (3 Years Negative Earnings Before Interest and Tax) Low return on equity (5-Years Average ROE < 3%). Some counters I could relate to are XOX (a really…
  • Buying a Property – How to interpret developer’s offer

    ChingFoo Lieu
    12 Jul 2015 | 2:23 am
    If you walk into a developer sales gallery, and  the sales staff told you the price is RM 450 psf for a soon-to-be-launched condo project, with RM 50k upfront rebate and another RM 20k interest rebate to be given at at 50% and 100% disbursement stages, how would you interpret this offer? The below is based on a real case scenario as I attended a sales launch last Saturday (11 May 2015) Example – Duck or rabbit in the image below? Scenario 1   Indicated unit price = RM (450 x 1,161) = RM 522,450 After Rm 50k rebate, SPA actual unit price = RM 472,450 Scenario 2   Indicated…
  • 4 Ways you lose money (without realizing it) by being Too Busy

    ChingFoo Lieu
    7 Jul 2015 | 12:51 am
    This may sound absurd, but being a workaholic might cost you more financially than you think. In the long run, contrary to what people think. After all, when we’re busy, we have less time to spend money right? Wrong. Ponder these points, or rather hidden culprits, over. #1 Spend in exchange of convenience When we say convenience, it normally refers to saving time because more often than not, we are over scheduled.  Or we are just plain lazy or unmotivated after a 12 hours work day. Does this sound familiar? Hiring a domestic maid to take care of the house chores, and eating out…
  • *Maybe* this is #1 reason why Penang affordable housing initiative will fail

    ChingFoo Lieu
    29 Jun 2015 | 4:34 am
    Haven’t you heard? Penang property developers are now facing a glut swelling in the affordable segment, which has about RM7bil worth of mid-range properties planned to date. These units, meant for the first-time home ownership market with prices ranging between RM200,000 and RM400,000, will enter the property market over the next three to four years. The state government’s income eligibility limit of RM8,000 for a RM300,000 unit and RM10,000 for a RM400,000 unit is slowing the take-up rate of affordable properties, according to the Real Estate & Housing Developers’ Association…
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    Money Soldiers

  • How to Reduce the Depreciation Value on Your Car

    Arnel Ariate
    27 Jul 2015 | 9:44 pm
    Do you own your car?  If so, you'll understand that, as time goes on, the value of your pride and joy drops.  Depreciation is something that no vehicle owner can avoid, regardless of what they have.  So, it doesn't matter if you buy a Ford Focus or a Ferrari 458 Italia.  You'll still lose some […]How to Reduce the Depreciation Value on Your Car is a post from: Money Soldiers - Helping you fight your financial battles © 2012-2013, All Rights Reserved
  • GPS Trackers Can Cut Fleet Management Costs with CanTrack

    Arnel Ariate
    24 Jul 2015 | 7:25 pm
    Save Money on Your Fleet Management Using a GPS tracking system can bring real benefits to a company managing a fleet of vehicles.  Whether your business is a taxi service, a courier service or a waste management firm you’ll improve customer service and improve driver and vehicle efficiency to save you money.  If your firm […]GPS Trackers Can Cut Fleet Management Costs with CanTrack is a post from: Money Soldiers - Helping you fight your financial battles © 2012-2013, All Rights Reserved
  • 6 Solid Tips to Win Your Battle Against Debt

    Arnel Ariate
    23 Jul 2015 | 7:31 am
    Every individual owing debts has to manage his debts – irrespective of the amount of debt.  If you owe a little amount of debt, you should pay it off by making regular payments so that it never goes out of control.  In contrast, if your debt amount is quite high, you should put more effort […]6 Solid Tips to Win Your Battle Against Debt is a post from: Money Soldiers - Helping you fight your financial battles © 2012-2013, All Rights Reserved
  • Business to Business Marketing Has Proven Fruitful for Online Advertisement Agencies

    Arnel Ariate
    23 Jul 2015 | 7:04 am
    Advertisements are often sold across a number of platforms.  Selling these advertisements pose serious challenges for the new media agencies.  Much of the challenges posed for these companies include a continual challenge of selling expense management besides nourishing the trading bond with customers.  The latest range of services and products to be sold by these […]Business to Business Marketing Has Proven Fruitful for Online Advertisement Agencies is a post from: Money Soldiers - Helping you fight your financial battles © 2012-2013, All Rights Reserved
  • Should I Start Online or Offline?

    Arnel Ariate
    17 Jul 2015 | 3:02 am
    For many budding retailers, making a choice between an online and offline storefront can be difficult.  This is not surprising seeing as both options have compelling pros and cons.  This is why many new retailers tend to vacillate between either option.  Well, we will try to help you simplify the entire process so you can […]Should I Start Online or Offline? is a post from: Money Soldiers - Helping you fight your financial battles © 2012-2013, All Rights Reserved
 
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    Hull Financial Planning

  • USAA – The Not So Good

    Jason Hull, CFP®
    30 Jul 2015 | 6:00 am
    “It is easier to forgive an enemy than to forgive a friend.” –William Blake This is part three of a three part series on USAA. You can read the first part here and the second part here. Disclosure: USAA flew me to San Antonio for a three day conference from November 6-8, 2013, put me […] Related posts: USAA – The Good Are You Eligible for USAA Membership? The Moving Checklist
  • It’s Official! I’m a CFP®!

    Jason Hull, CFP®
    21 Jul 2015 | 8:52 am
    In March, 2012, I passed the CFP® exam. About 3 years ago, I started this little firm called Hull Financial Planning. 2 moves later and a lot of client experience later, I finally got the notification from the CFP® Board that I can officially start calling myself a CFP®. By the way, CFP stands for […] Related posts: The Transition from Mass Advice to Personal Advice Fiduciary Duty Isn’t Enough; Your Planner Better Not Suck, Either Why Me Caring About You Makes the Medicine Go Down a Little Better
  • Indecent Exposure for Your Portfolio

    Jason Hull, CFP®
    16 Jul 2015 | 6:00 am
    “‘Subliminal’ is about how we misinterpret our behavior because we’re unaware of what our unconscious minds are doing.” –Leonard Mlodinow “I saw a subliminal advertising executive, but only for a second.” –Steven Wright Once upon a time, if you went to the movie theater, you were bombarded with advertising. OK. Yes, I know that if […] Related posts: Why You Don’t Want Your Investment Portfolio to Look Like Your NCAA Tournament Bracket Why the AP’s Twitter Hack Should Have Been Much Ado About Nothing for Your Portfolio If You Abandon Your Portfolio, Will…
  • Rental Real Estate and Poverty Levels – Why Landlords Get Obamacare Credits

    Jason Hull, CFP®
    9 Jul 2015 | 6:00 am
    “Most people don’t know that I am an accomplished dramatic actor… But I’ve performed in several Shakespeare productions including Hamlet, except in this version, Hamlet lives in an apartment with two women, and has to pretend he’s gay so that the landlord won’t evict him.” –John Ritter A man mentioned to his landlord about the […] Related posts: Rebalancing Your Real Estate Portfolio Are You Prepared to Deal With the Human Side to Real Estate Investing? Is Obamacare Viable for Early Retirees?
  • Estate Planning for Pets

    Jason Hull, CFP®
    2 Jul 2015 | 6:00 am
    “If there are no dogs in Heaven, then when I die I want to go where they went.” –Will Rogers “You think dogs will not be in heaven? I tell you, they will be there long before any of us.” –Robert Louis Stevenson “If I have any beliefs about immortality, it is that certain dogs […] Related posts: Estate Planning and Trusts: An Interview with Attorney Ben Grosz The Surprising Suggestion for Who Should Receive Your Estate If You Have No Children Rebalancing Your Real Estate Portfolio
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    Listen Money Matters

  • Airbnb

    Candice Elliott
    30 Jul 2015 | 3:00 am
      If you want to make some extra money, renting your home through Airbnb is a great way to do it. Here’s what you need to know. Maybe you have stayed in and Airbnb property while on vacation but have you ever thought about renting out your own home to vacationers? It can make you some extra money without much effort but don’t go into it before you understand the process. What Is Airbnb? Airbnb is a website that allows people to list their homes for rent much like a hotel room. They have over one million listings in 190 countries. You can rent anything from a 15th Century…
  • Mortgage Basics

    Allison Karrels
    28 Jul 2015 | 3:00 am
      There are so many different kinds of mortgages. Find out what the differences are and what type is best for your situation. If you are going to purchase a home with financing, it helps to get some of the mortgage lingo down and prepare yourself for the paperwork onslaught. In this article I explain what is included in your monthly payment, define escrow and points, and explain the different types of mortgages. What Is A Mortgage? A mortgage is a type of loan that is secured by real estate. Since it is an asset backed loan, if you fail to make your payments, the bank is able to take…
  • Better Know a Millionaire with Adam Dicker

    Candice Elliott
    27 Jul 2015 | 3:00 am
      We haven’t done one of these in awhile! Better Know a Millionaire is back to see if the other 1% really live that differently to the rest of us. Today we interview millionaire Adam Dicker. Adam made his millions by selling domain names, some for as much as eight figures! Adam has been in the business for about twenty years and was a VP at Go Daddy for a few years. Adam buys and sells domains that have expired and tries to stay two to three years ahead of trends, particularly in the medical and tech sectors. You can’t just go and buy a domain name with a trade mark in it. So…
  • Pillars Of Financial Priority

    Jon Sandison
    23 Jul 2015 | 3:00 am
    There are pillars of financial priority on the path to freedom. Along the way the same concepts apply, but in different magnitudes at different times. The four pillars we use at Listen Money Matters are; budget like a pro, destroy your debt, invest your money, and grow your income. Whether you are sitting here reading this with a couple of dingy nickels you scraped out of the bottom of your buddy’s couch to your name or  are using 100 dollar bills as paper towel because you’re too rich and lazy to reset your Amazon subscribe and save schedule; these four pillars are the keys to…
  • Five Things In Five Minutes To Improve Your Finances

    Candice Elliott
    21 Jul 2015 | 3:00 am
      It’s summer so you have better things to do than worry about money. But you can’t neglect it. Here are five things in five minutes to improve your finances. Summertime is a time to relax and you can relax about your finances too but if you take just five minutes to do these five things, you can still make progress toward your financial goals. Start A Mint Account Long gone are the days that you had to build a complicated spread sheet to track your spending, saving every receipt, logging every bill, obsessing over every expense. I’m all for having a budget but if I…
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    Equifax Finance Blog

  • Can Creditors Go After My Retirement Accounts?

    Susan Johnston
    30 Jul 2015 | 5:00 am
    If you owe money or have filed for bankruptcy, you may be worried about creditors going after your retirement funds. Regardless of your financial situation, here is some essential information to know about both ERISA-qualified retirement accounts and non-ERISA accounts: ERISA-qualified retirement accounts Retirement accounts set up under the Employee Retirement Income Security Act (ERISA) of 1974 tend to be protected from seizure by creditors. ERISA covers most employer retirement plans, including 401(k) plans, pension plans, and some 403(b) plans. Even if you have accumulated millions of…
  • Phantom Income, the Ghost of Your Forgiven Debts

    Eva Rosenberg
    29 Jul 2015 | 5:00 am
    When your debt is cancelled or “forgiven” by a creditor, you may owe taxes on that debt. This debt is called phantom income, named so because despite the fact that the IRS considers it income, it never appears in your bank account. Imagine losing the home of your dreams, either through a short sale or foreclosure, and then receiving tax forms indicating you owe taxes on the cancelled or “forgiven” debt. This debt is known as phantom income—named because it never appears in your bank account despite being considered income—and it can often be enough to make anyone panic. In the…
  • Can My Ex Claim My Child When Filing Taxes?

    Eva Rosenberg
    28 Jul 2015 | 5:00 am
    In a divorce where children are involved, one of the greatest sources of focus can be around where the children will live and who will support them. Unfortunately, too often, the tax issues are either left out of the divorce agreement completely or are not properly defined. I often hear of different scenarios in which one parent may have inadvertently or deliberately taken advantage of the other parent by filing taxes early in the year and claiming one or all of the children—even in situations where he or she had no legal right to do so. Here are some common issues that come into play when…
  • Six Not-So-Obvious Reasons You Are Still in Debt

    Camille Puschautz
    23 Jul 2015 | 5:00 am
    If you find yourself in debt, and you’ve already set up a budget, it may be time to look beyond the obvious solutions. As you work toward debt-free living, many factors may contribute to your continued financial woes, such as your downtime activities or the people you spend time with. Additionally, those little habits you don’t think about, such as playing the lottery or making impulse purchases, can also add up. When Brandon Marcott, a Certified Financial Planner™ and founder of Edify Financial Planning, graduated from college in 2007, he faced a debt load of $80,000, a terrible…
  • Paying for Home Renovations: Tapping Home Equity vs. Using Savings

    Ilyce Glink
    22 Jul 2015 | 5:00 am
    Figuring out how to pay for a home renovation is one of the first steps in any remodeling process. When they’re done wrestling with the cost of a home renovation, most homeowners have to decide how to fund a remodeling project. And in some cases, the options can be paying for it in cash or borrowing against the equity they’ve built up in their home. Interest rates are still historically low, and home values are punching upward, so taking out a home equity line of credit (HELOC) or home equity loan may seem like a sensible financial move. But it’s not always. “It really depends on your…
 
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    The Simple Money Blog

  • Sometimes you do things you hate

    Angela
    20 Jul 2015 | 4:30 am
    AJ: There’s a lot of stuff I’d just rather not deal with that impact our financial well-being. I’m classifying this as “stuff I hate.” I’m not kidding when I use the h-word, I sincerely loathe dealing with these things, however, … Continue reading →
  • Every day tips: this week’s decisions

    Angela
    6 Jul 2015 | 4:30 am
    AJ: This post is a new approach we’re taking wherein we plan to share more day-to-day specifics of anything from the week on where we saved or how we saved to hopefully spark some ideas from you all for what … Continue reading →
  • July 4th means big savings!

    Angela
    29 Jun 2015 | 4:30 am
    AJ: I’m such a fan of holidays I can’t even tell you. What’s not to like about an extra day off, getting to celebrate and remember our history and MAJOR SALES!? Despite our best efforts to be in lock down … Continue reading →
  • Is there such a thing as the “right” job?

    Angela
    22 Jun 2015 | 4:30 am
    AJ:Choices, choices, choices! I love Mike Rowe. If you’re not following him on Facebook and keeping up with his musings, then you’re missing out. We always say he’s the hardest working man in the entertainment industry but beyond that he’s … Continue reading →
  • Up and coming in the DFW

    Kirby
    8 Jun 2015 | 4:30 am
    KJ:We’ve mentioned it before but as a reminder, AJ and I were both born and raised in the DFW area. Careers and family brought us back here and keep us here, and we love to see what’s happening in our … Continue reading →
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    Money Street Smart

  • OptionsHouse Review

    Russell Kith
    8 Jul 2015 | 12:59 pm
    Today in our online broker review series, you’ll learn about a haven for options buffs: OptionsHouse. Let’s get into it. According to Barron’s, OptionsHouse is one of, if not the best brokerage out there for options traders. Clearly, they have built up a solid reputation for themselves since the company was founded by PEAK6 in […]
  • OptionsHouse Promotion Codes

    Russell Kith
    8 Jul 2015 | 1:52 am
    Current OptionsHouse Promotions: 1) Get Up To 100 Commission-Free Trades When You Open and Fund an Account at OptionsHouse (Click to redeem this offer) 2) Open and Fund a New Account Today and Get 60 Days of Commission-Free Trades! (Click to redeem this offer) For any additional OptionsHouse promotions click here. About OptionsHouse: OptionsHouse is one of […]
  • Warning: Don’t Let Your 20’s Go To Waste

    Catherine Alford
    27 May 2014 | 7:10 pm
    I just turned 27 a few days ago, and I officially feel old. I guess I should; I am a parent now after all. Yet, there was just something about 27 that was just a tad too close to 30, you know that time when you should have your career somewhat thought out and your […]
  • How to Beat the System: Fly First Class

    Catherine Alford
    13 May 2014 | 6:30 pm
    If you’ve always wanted to fly first class but never had the money to make it possible, it’s actually more in reach than you might think. I am far from wealthy, and I’ve flown first class internationally a few times from using a variety of methods like the ones below: 1. Churn credit cards. Churning […]
  • 4 Ways Anyone Can Be Disciplined and Smart About Spending

    Catherine Alford
    7 May 2014 | 6:39 pm
    If you are a spender but would like to become more disciplined about your finances, there are several things you can do to get on track and ensure your wallet and your budget breathe a little easier. Here are some options that have worked for me in the past and might work for you too: […]
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    My Money Design

  • What If You Stopped Saving Money for Retirement?

    MMD
    26 Jul 2015 | 11:00 pm
    Here’s a fun little game to try on yourself and see how your finances are coming along. (… Depending on the answer, it might also make you feel really good about your savings efforts so far!) Suppose you were suddenly let go from your job.  You find a new place to work, but it doesn’t pay as well. So in order to maintain your standard of living you decide you’re going to cut corners and completely STOP saving money for retirement. The big question: Would you still be able to comfortably retire when you want to?   My Answer … (… Kind of a funny question to ask on a…
  • Cancer Update – The Battle is Won!

    MMD
    25 Jul 2015 | 2:00 am
    I have some very exciting news to share … As of my last PET scan, my cancerous tumor is gone! Finally!  My cancer is in remission! Last Thursday was also my last treatment of chemotherapy.  Even though I’m thankful the infusions got rid of my cancer, I am SO glad for that whole process to finally be over! From here on out it’s going to be CT scans every 6 months for the next 5 years.  As you can bet, I’ll have my fingers and toes crossed every single time that I get nothing but good news.   Cancer Really is a Silent Killer: Throughout this whole experience cancer has been a…
  • Learn How to Save MORE, Earn MORE with My New Second eBook

    MMD
    20 Jul 2015 | 2:00 am
    Hi Everyone!  I’d like you to know that for a very limited time (July 20-24) you can download my second eBook “Save MORE, Earn MORE” from Amazon COMPLETELY FOR FREE!  Go to this link here to grab your copy. … So what is “Save MORE, Earn MORE” all about? It answers the question: Outside my job, how do I actually go about getting enough money for the things I want in life? Everyone knows financial freedom sounds great!  And we all know we’re supposed to save/invest our money if we want our nest eggs to grow into the life-preservers we want them to become. … but how do we get…
  • What is the Best Safe Withdrawal Rate for Retirement?

    MMD
    13 Jul 2015 | 2:00 am
    The 4 percent rule… It’s arguably one of the most highly debated figures in retirement planning. Since its inception in 1994 by Bill Bengen, it seems as though you can find just as many people who love it as those who hate it. Why so much fuss over one tiny, little number? Because of what it stands for!  Planning your nest egg size using the right safe withdrawal rate figure can mean the difference between playing with fire during retirement or having 100% confidence that you’ll never run out of money. But if you pick a number that is too conservative, it can also mean the difference…
  • Niche Website Income Report 31 – $1,046 for June 2015

    MMD
    6 Jul 2015 | 2:00 am
    Hello and welcome to my monthly niche website income report and business update. At the start of every month, I like use this opportunity to share with you, the reader, what’s been going on with my niche site business.  The idea behind these websites is to create multiple streams of passive income that I can use to help advance my efforts to achieve financial freedom as quickly as possible! June marks a special milestone for my niche site business because it signifies that the year is halfway over.  Unfortunately this business has met some pretty big challenges over the past 12 months. …
 
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    The Quizzle Wire

  • Ways to Save Money on Your Amusement Park Visit

    Cathy
    29 Jul 2015 | 6:00 am
    Have you checked the ticket prices at amusement parks lately? A one-day adult ticket for Disneyland is up to $99! At that price, it’s $396 for a family of four plus $17 for parking, or $413 just to get through the turnstile. Fortunately, there are some ways to save money while visiting your favorite amusement parks. Check these tips out before your next outing: Search for ticket discounts. The easiest way to get a discount off the full price of an amusement park ticket is to buy it online. You’ll probably save around $10 per ticket, depending on the amusement park you want to…
  • 5 money ideas to talk to your partner about

    Miranda Marquit
    27 Jul 2015 | 6:00 am
    Money-related stress can take a toll on your health and on your relationships. If you are interested in maintaining a good relationship with your life partner, it helps to be on the same page with money. In fact, according to some research, financial harmony is one of the most important aspects of a successful marriage or partnership. Before you decide to combine households with someone else, it makes sense to get a feel for how s/he will handle money. Here are 5 money ideas to discuss with your partner to see if you are on the same page and if you are likely to be on the same team when it…
  • 4 reasons to check your credit regularly

    Miranda Marquit
    24 Jul 2015 | 6:00 am
    You’ve probably heard that you should check your credit regularly. But why is that advice given? Before you decide that you don’t really need to check your credit report, here are 4 reasons to take a look on a regular basis: Prepare for a major purchase or life change One of the biggest reasons that you should check your credit is in preparation for a major purchase. When you buy a home using a mortgage, the lender wants to verify that you are likely to make your payments. Another major purchase that requires a credit check is a car. You might even need to prepare your credit ahead of…
  • How a foreclosure can impact your credit

    Miranda Marquit
    22 Jul 2015 | 6:00 am
    You know that a foreclosure on your home can be a big deal when it comes to your credit. But how big of a deal can it be? You might be surprised at how much a foreclosure can impact your credit, and how long it can take to recover, depending on the situation. Why foreclosure can be so devastating Foreclosure can be so devastating because it is related to your payment history. Your payment history is the largest factor affecting your credit score. Before your home goes into foreclosure, there is a good chance that you have missed at least three payments. By the time the foreclosure process is…
  • How to use a vacation to teach your child about money

    Cathy
    20 Jul 2015 | 6:00 am
    If you’re going on vacation with your family this summer, why not use the opportunity to teach your children some personal finance skills? Before you leave, discuss how you planned the vacation and decided how you could afford it. Do you have a vacation fund, and if so, how did you fund it? How did you decide where you would go? Was it determined by your budget, or was your budget determined by your destination? Are you keeping accommodation costs down, or splurging on a luxury hotel, and why? If you plan far enough in advance, you can even involve your child in the funding portion of…
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    Credit Card Insider » InsiderCredit Card Insider

  • Q&A Video: When Will My Credit Card Be Closed For Inactivity?

    John Ulzheimer
    30 Jul 2015 | 6:48 am
    If you use your credit cards responsibly and make purchases at least once every few months, your credit cards should usually stay open indefinitely. But, if you don’t use your cards for an extended period of time then banks don’t have an incentive to keep them open, and will probably eventually close them. Use your […] The post Q&A Video: When Will My Credit Card Be Closed For Inactivity? appeared first on Credit Card Insider.
  • Q&A Video: How Do I Know If I’ll Earn Rewards Points On This Purchase?

    John Ulzheimer
    29 Jul 2015 | 5:52 am
    How do you know how many points you’ll earn for a particular credit card purchase? Most rewards credit cards offer 1 point for general spending, but often more for purchases in categories like gas stations and grocery stores. Credit card issuers assign retailers with what are called “merchant category codes,” which will be used to […] The post Q&A Video: How Do I Know If I’ll Earn Rewards Points On This Purchase? appeared first on Credit Card Insider.
  • Q&A Video: What Happens When My Discontinued Credit Card Expires?

    John Ulzheimer
    28 Jul 2015 | 7:56 am
    It’s rare, but in some cases credit card issuers will discontinue a particular credit card. If this happens to you, there could be several different outcomes. You may receive a new, similar card, which will continue the previous account you had open; in other cases, you could end up with a brand new account, which […] The post Q&A Video: What Happens When My Discontinued Credit Card Expires? appeared first on Credit Card Insider.
  • Adverse Actions That Credit Card Issuers Can Take

    John Ulzheimer
    27 Jul 2015 | 7:25 am
    Card Issuers Must Send Notices Of Adverse Action If you apply for credit and are denied because of the information in your credit reports, including your credit score, then the lender is required to provide you with notice of adverse action. The term “adverse action” is a legal term that can be found in the […] The post Adverse Actions That Credit Card Issuers Can Take appeared first on Credit Card Insider.
  • Q&A Video – How Do I Get Rid Of A Penalty APR?

    John Ulzheimer
    24 Jul 2015 | 9:40 am
    Most credit cards come with what is called a penalty APR. This is a higher-than-average interest rate that credit card issuers may impose if you show certain irresponsible behavior, like making late or returned payments, or going over your credit limit. You do have some options if you’re stuck with a penalty APR, like requesting […] The post Q&A Video – How Do I Get Rid Of A Penalty APR? appeared first on Credit Card Insider.
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    SideHustle HQ

  • Making Money with Teespring

    SideHustleHQ
    29 Jul 2015 | 12:38 am
    Once upon a time, starting a clothing line was a difficult proposition for entrepreneurs. Thanks to the Internet, it’s now easier than ever to create a basic t-shirt line and rake in the dough with little effort. One of the best ways to profit from custom t-shirts is with Teespring, a hot new startup that’s making major waves in the fashion industry. All you have to do to sell shirts with Teespring is come up with a catchy design. They’ll produce the t-shirts and ship them to customers for you. Do the following if starting a Teespring business sounds appealing. Do Your…
  • Starting a Coloring Book Line for Adults

    SideHustleHQ
    17 Jul 2015 | 4:12 am
    There’s a common misconception that the publishing industry is in terminal decline thanks to the rise of digital media. The reality is that publishing is healthier than ever. A surprising emerging trend that’s taking the publishing business by storm is the success of the adult coloring book. One of top-selling books on Amazon  is currently a coloring book aimed specifically at grownups. Many adults are rediscovering the joys of coloring for a variety of reasons. Use the following tips to launch your own adult coloring book line. Perform Some Market Research The first step on…
  • Make Money Selling Fireworks

    SideHustleHQ
    11 Jul 2015 | 12:23 pm
    Focusing on an industry sector that sees periodic bursts of flurried activity is a great way to start a side business. You can make the bulk of your money in a short amount of time without much hassle. With any luck, such a side business becomes a full-time career. Fireworks are great because they’re popular for several major holidays, celebrations and boast decent returns. It’s not that hard to start a fireworks business if you know what you’re getting into beforehand. Use the following blueprint to launch your own fireworks concern. Figure Out a Niche There are so many…
  • Starting a Chocolate Business on the Side

    SideHustleHQ
    1 Jul 2015 | 7:13 pm
    Easily one of the fastest-growing sectors of the global food industry is the chocolate business. According to reliable statistics, chocolate sales in the United States amounted to nearly $21 billion in 2015 alone. Gourmet chocolate in particular is seeing stellar growth as producers look to accommodate the tastes of increasingly finicky buyers. There’s plenty of room for hungry newcomers that manage to differentiate themselves from the competition. If you can develop a solid business plan and stick to it, launching a chocolate brand can be incredibly remunerative in the end. Settle on…
  • Starting a Tutoring Side Business

    SideHustleHQ
    30 Jun 2015 | 3:28 am
    Providing educational services to students of all kinds is an increasingly lucrative endeavor for entrepreneurs. Based on the best estimates, the tutoring industry in the United States is worth at least $11 billion per year. The total global market for tutoring is expected to exceed $100 billion by 2018. It goes without saying that there’s plenty of money to be made if you can carve out a space for yourself in the business. If you’d like to make a mint with a tutoring outfit of your own, use the following rubric to guide your efforts. Figure Out Your Primary Niche First,…
 
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    Covenant Trust Company

  • CTC tips: create an emergency fund

    Covenant Trust Company
    23 Jul 2015 | 10:00 am
    You can’t plan when emergencies happen but you can have a plan for whenever they occur. That plan should include an emergency fund that covers at least three months’ worth of expenses. What kind of expenses are we talking about? Basically any expense that you would need to cover to maintain your health and safety, and…
  • Adjusting to a New Baby

    CTC - Ruser Saldaña
    20 Jul 2015 | 9:45 am
    Two weeks ago, my wife and I welcomed our second child into our family. Our firstborn is three years old now, and I had forgotten how quickly things change upon the birth of a child. For instance: while holding our newborn daughter for the first time, my wife remarked how small she was. A mere hours…
  • Mid-year financial review

    Covenant Trust Company
    1 Jul 2015 | 9:59 am
    Amazingly, it’s already July 1st! With the year halfway over, now is a great time to review your finances for the year. Your financial goals Did you make financial goals at the beginning of the year? If so, how are they progressing so far? If you’re falling behind, don’t worry — you still have plenty of…
  • CTC tips: pay yourself first.

    Covenant Trust Company
    24 Jun 2015 | 11:16 am
    Instead of saving what you have left after spending, spend what you have left after saving.
  • What do you want your legacy to be?

    Covenant Trust Company
    19 Jun 2015 | 8:42 am
      At Covenant Trust Company, we think everyone should have an estate plan. We are stewards of God’s gifts and we believe we should be responsible for those gifts in life and after death. Of course, estate planning isn’t simply about the things in our lives. Ultimately, it’s about the people in our lives. A will…
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    Debt Consolidation USA

  • 6 Tips In Taking Control Of Household Budget

    al
    29 Jul 2015 | 3:19 am
    Your household budget is one of your most important financial tools in life. If done right, it can help you reach your financial goals in life whether it is short term or long term dreams. It can show you what you have every month and if you are using your income to the fullest. It […] The post 6 Tips In Taking Control Of Household Budget appeared first on Debt Consolidation USA.
  • Guard Your Car Budget By Knowing These Sales Tricks

    al
    26 Jul 2015 | 11:59 pm
    Having a car budget means that you are either thinking of buying a car or already prepared to buy one. Cars nowadays are a necessity rather than just to show off your social status in life. As such, lenders have taken notice and offer auto loans for consumers who needs to have their own car […] The post Guard Your Car Budget By Knowing These Sales Tricks appeared first on Debt Consolidation USA.
  • Financial Gifts That You Can Leave Behind For Your Children

    al
    24 Jul 2015 | 3:35 am
    Managing the household budget is a tough job and at times it is made much more harder by the fact that some parents are thinking about what financial gifts they can leave behind for their children. Are they supposed to be saving some society-accepted amount to leave behind for their children? Are they being bad […] The post Financial Gifts That You Can Leave Behind For Your Children appeared first on Debt Consolidation USA.
  • 6 Reasons Why You Are Having Financial Problems

    al
    22 Jul 2015 | 9:29 pm
    As you manage your finances, you will encounter financial problems along the way that will test your mettle if you will cave in or conquer the problem. There are different types of money problems ranging from the seemingly harmless busted light bulb to the more serious job loss or your bank will soon take your […] The post 6 Reasons Why You Are Having Financial Problems appeared first on Debt Consolidation USA.
  • 5 Tips In Getting A Pay Increase At The Office

    al
    20 Jul 2015 | 12:43 am
    It is tough when you are looking for a job especially those that just recently graduated but once you have one, your next step is finding a way to get a pay increase. It is pretty exciting when you get your first pay check and when you are financially savvy, the first thing you do […] The post 5 Tips In Getting A Pay Increase At The Office appeared first on Debt Consolidation USA.
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    Personal Finance Blog | LSS

  • Protecting Yourself From Identity Theft

    Kate Swenson
    22 Jul 2015 | 7:00 am
    Identity theft can happen when someone gets access to your personal information, like your name or social security number. If you are like me you just want to know what you can do to protect yourself. Simple as that. The key is to be conscious of HOW identity theft happens. Common ways include: Stolen wallet or credit cards-Your cards don’t have to ACTUALLY be stolen to do this. Think more borrowed. I just watched a movie where servers at restaurants were swiping card information while running your card to pay for the bill. The card was never actually stolen. Just borrowed. Documents…
  • Is Your Credit Score Suffering?

    Kate Swenson
    15 Jul 2015 | 12:36 pm
    There are a few different types of people that come to LSS for financial counseling. There are people that are working, paying all there bills, but getting nowhere on their debt. The balances are not going down. And the frustration is real. These people most likely have very little money in savings and know that one financial hiccup could push them over the edge. (raises hand sheepishly) A lot of the people tells themselves they are doing okay because the are paying all of their bills every month. BUT, remember, surviving is not thriving. And your credit score may be suffering. Your credit…
  • 3 Financial Challenges Breadwinner Moms Face With Strength And Resilience

    Kate Swenson
    8 Jul 2015 | 12:00 pm
    Are you the breadwinner for your family? A recent study by Pew Research reveals that some are among the 5.1 million (37%) who are married mothers with higher incomes than their husbands, while 8.6 million (63%) others are single parents earning substantially less than their married peers. While a significant dividing line between the two groups exists, there are a range of life experiences that impacts the financial health of each. The National Foundation for Credit CounselingⓇ (NFCCⓇ) and The Ohio State University (OSU) worked together to survey participants of the NFCC Sharpen Your…
  • Veterans and Debt: Help is Out There

    Kate Swenson
    2 Jul 2015 | 11:43 am
    While courageous members of the military are on the front lines facing conflicts around the world, a new survey suggests that they may be tackling financial battles at home, too. Thankfully, there is a growing awareness of the benefit that support networks can play in helping our heroes tackle serious medical, logistical and transitional issues. Free, confidential and caring confidential support is available for veterans and their families. LSS Financial Counseling, a member of the National Foundation for Credit Counseling (NFCC), recognizes that debt management and savings are matters of…
  • 2015 Financial Advocacy Awards

    Kate Swenson
    23 Jun 2015 | 9:11 am
    Announcing the 2015 Financial Advocacy Award Winners. These award winners serve to improve economic justice and advocate for people and families in vulnerable financial situations. Full Cycle is a nonprofit bicycle shop in south Minneapolis that offers a six-month, paid internship program for homeless youth. Full cycle also gives away more than 15o bicycles every  year to people who can’t afford one. LEARN MORE ABOUT FULL CYCLE> Hmong American Farmers Association (HAFA) is a nonprofit organization that was created in 2011 to serve, support and advocate for Hmong farmers and their…
 
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    Minting Nickels

  • 5 Important Steps to Prepare for Retirement

    Justin
    12 Jul 2015 | 6:20 am
    Retirement is the last major transition in your life. It’s when you leave the workforce after forty or more years to enjoy many happy years of bliss. But there is still work to be done to make the move into retirement as smoothly as possible. You must make sure you take these five steps to properly prepare for retirement.   Create a Spending Plan In retirement your income is going to be severely depleted. You have to monitor your money closely, and that means creating a spending plan. Gather some statements and see how much you need to pay your bills every month, including food. After…
  • Opening a Restaurant? Read These Tips First

    Justin
    20 Jun 2015 | 3:16 am
    We imagine this won’t be news to you (and if it is, you might be in trouble), but opening a restaurant is risky business. Far more restaurants fail than succeed, and those that do “succeed” often spend years teetering on the brink of closure, devouring resources, testing marriages, and causing ulcers until, finally, the weight of it all brings everything crashing down. Sound bleak? Maybe so, but we couldn’t live with ourselves if we didn’t tell you truth about what you’re getting yourself into. Of course, there’s a sunny side to the restaurant business as well. Many restaurants…
  • What to Do if You Owe Back Taxes

    Justin
    28 May 2015 | 3:27 pm
    If you owe back taxes to the IRS, it’s likely that your primary focus is on getting your back taxes paid off as quickly as possible and with minimal fuss. After all, no one likes dealing with the IRS. But if you take your time and plan things out carefully, there are still ways that you can minimize your loss to the IRS while finding ways to save money in the process. Figure Out a Plan Depending on the size of the amount you owe the IRS, you will have different options available to you for paying off your back taxes. Depending on the nature of your debt and the amount owed, you may qualify…
  • What You Should Know Before Trading Binary Options

    Justin
    27 May 2015 | 5:14 pm
    Now that the recession seems safely behind us, a lot of people finally feel comfortable to begin investing again. Leaving your money in a savings account may have felt like the right move when the market was suffering, but you can’t do it forever. Smart investing is the only way to stay ahead of inflation. With so many methods available, though, you may be confused about which one to pick. There are a lot of reasons to go with binary options. Just be sure you understand the following first. What Are Binary Options? First, let’s explain these options for those who have never heard of them.
  • Getting Your Financial House in Order by Getting Out of Debt

    Justin
    21 May 2015 | 5:08 pm
    If you’re like many Americans, you are working to pay down personal debt, whether from credit cards or student loans. At the same time, however, a tough economy has tightened many people’s finances even more than usual. If you are struggling to get out from under debt, just remember that you are not alone. Below are several questions you can ask yourself to help develop a plan for eradicating debt from your life. How Much Debt Do You Have? The first thing you should do is take inventory of your existing debts. From student loans to credit cards, many Americans are looking at potentially…
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    Debt RoundUp

  • Are You a Homeowner? Here are the Common Benefits of Refinancing a Mortgage

    Grayson Bell
    30 Jul 2015 | 3:15 am
    Your mortgage is likely your biggest monthly expense. Think about what you could do with that money if you didn’t have to pay the mortgage. When you refinance your home, you will not get all that money back, but you can free up a big chunk of that payment to use to pay down other debts or to finance fun things like a vacation. This is entirely dependent on refinancing at a lower interest rate than you had before. Not everyone should refinance though. If you have significantly better credit than when you first bought your house or you have built a lot of equity in your home, you may…
  • Finding Time for a Side Gig and Making More Money (It’s Possible!)

    Mike Collins
    29 Jul 2015 | 3:15 am
    A few days ago, Debt Roundup writer Kayla, asked whether or not having a side hustle is really worth it.   One of the challenges of a side gig is the time commitment required to get it going and sustain it.  Many people aren’t willing to sacrifice any of their time to building up a side gig because they think they’re busy enough and can’t possibly find the time without eliminating something else they love. But what if you could find a whole chunk of time every day to focus on developing a side gig and making more money in the process?  Here are some tips to do just that. Conduct a…
  • My DIY Wood Dining Table From An 80-Year Old Barn

    Grayson Bell
    27 Jul 2015 | 3:05 am
    It’s been some time since I put up a DIY post and that’s for good reason. I’ve been working hard on expanding my WordPress management and support business. It’s been showing great signs of expansion, so I’m happy with the results. Anyway, as someone who loves to DIY and loves business, I find it hard to work between the two. Sometimes I want to get my hands dirty and other times I want to focus on my business. Just have to make priorities. Last year, my good friend asked me if I wanted to go to the mountains with him to check out an old barn. The question…
  • How to Deal With and Recover from Bankruptcy

    Grayson Bell
    25 Jul 2015 | 7:04 am
    There is a large and pervasive myth that bankruptcy is what happens to losers. It is the last vestige of hope for deadbeats and people who are trying to shirk responsibility. It only happens to people who absolutely deserve it and, if you declare it yourself, it means that you are a terrible person who is horrible with money. Nothing could be farther from the truth! Bankruptcy: Myth Vs. Reality Here is the truth about bankruptcy: it can happen to anybody at almost any time and for a wide variety of reasons. It can happen to you no matter where you live or even how much money you make.
  • Get Over 12,000 Udemy Courses for Only $10 Each!

    Grayson Bell
    24 Jul 2015 | 7:35 am
    One of my favorite sites, Udemy, is at it again my friends. They are offering over 10,000 courses for only $10!  You have to use the coupon code: KEEPCOOL1110 to get the discounted courses. The catch is this ends in a few days (7/29) at 11:59 pm PST. That’s right, you only have a few days to get this deal.  Before you ask, let me explain what Udemy is and how they help you learn something new. What is Udemy? Udemy is an online course catalog site. They allow people to sell courses to others for a price. If you are knowledgeable about a certain subject, you can sell a course to…
 
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    The Smile Lifestyle - Phroogal

  • 6 Ways You Can Save On Remodeling Costs

    Will Lipovsky
    29 Jul 2015 | 4:04 pm
    The following is a post by Anum Yoon of  Current on Currency. Are you planning a little home makeover this year? Although disruptive, a remodeling job has the potential to significantly increase your home’s value. Even if you aren’t planning to sell, that increase can go a long way toward adding to your home equity credit line or bolstering your chances of refinancing. Whether you’re completely redoing your kitchen cabinets, adding a bathroom or improving your patio, you’ll always want to look for ways to save on your remodeling costs. This doesn’t mean cutting…
  • How to Get Rich with Real Estate (from Someone Who’s Actually Done It)

    Will Lipovsky
    27 Jul 2015 | 3:00 pm
    The following is a guest post from an inspiring millennial named Tracy Ma. In the not-so-distant past, Tracy was working three jobs, totaling 70 hours per week, just to cover expenses. Today, she has a multi-million dollar real estate portfolio which has even been featured in the Canadian Real Estate Wealth magazine. In short, she’s winning at life! After you read her post, there’s more information below about Tracy, her blog, and how she can help you become successful with real estate…   Action may not always bring happiness; but there is no happiness without…
  • 15 Ways to Improve Your Finances in 15 Minutes or Less

    Valencia Higuera
    24 Jul 2015 | 9:50 am
    If your money needs a complete overhaul, stop complaining about the situation and take control of your personal finances. You might not know everything there is to know about money, but this doesn’t mean you have to accept your current situation. Bringing your finances in line with your goals is much easier than you might think. Your money isn’t going to improve overnight, but if you take the first step, everything else will fall into place. A brighter financial future can be yours in just 15 minutes. Here are 15 things you can do today to improve your money situation: 1. Set an…
  • A Checklist: What to Know Before Buying a Home

    Will Lipovsky
    22 Jul 2015 | 3:06 am
    So you’re ready to move out of that apartment and finally realize the American dream: home ownership. Buying a home is huge. Congratulations on achieving a milestone in your life. Now, it’s time to make sure that you practice proper due diligence or that dream could turn into a nightmare. Here’s a checklist to follow before you buy a home. 1. Check Your Credit The first thing that you’ll want to do is check your credit. That’s because you’re almost certainly going to need a mortgage to purchase the house. Visit one of the free credit-checking websites such as Credit Karma or…
  • When to DIY and When to Hire Someone Else

    Will Lipovsky
    20 Jul 2015 | 3:06 am
    The spark plugs need replaced in your engine You have a big date and want your hair to look its best The toilet won’t stop running You want to plan a dream vacation You want to create a healthy diet We as millennials face many of these challenges. These challenges interrupt our daily routine. On daily basis, we have many obligations: work, school, family commitments, social commitments… more work. Projects get piled onto our normal workload. These projects always come with a difficult question… “Should I do it myself or pay someone else?” It’s a tough…
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    Elephant's Paycheck

  • Follow the money

    David Bressler
    13 Jul 2015 | 11:04 pm
    Follow the money. That’s my answer. The biggest challenge I get about the Elephant’s Paycheck Blueprint has to do with the disbelief that something this simple can exist without everyone knowing about it already. If you build an Elephant’s Paycheck Blueprint portfolio, who makes money? No one really. When you purchase your initial shares you’ll likely pay a commission between $8 – $10. After that, you’d only pay similar when you sell… but we hope that’s a long time in the future. If you own five companies, that’s less than $50 for the…
  • Any option is better than cashing out your 401(k)

    David Bressler
    7 Jul 2015 | 11:59 am
    The lack of financial education and confidence leads to some really ugly decision making. A Seattle Times article caught my attention “3 better options than cashing out 401(k) when changing jobs” because I could think of like 100 better options. Including sticking pins in my eyeballs. It’s really simple. The IRS levies a pretty stiff penalty for early withdrawal from a 401(k) and you have to pay taxes on the money withdrawn too. While the savings opportunities are great, especially if your company matches your contributions, if you pay a penalty to the IRS you throw much,…
  • Talking about money with your spouse

    David Bressler
    1 Jul 2015 | 4:37 am
    I always looked up to my grandfather when it came to investing. We grew up lower-middle class, with echoes of the depression in the background. My family, for the most part, fled from Nazi Germany leaving whatever wealth existed behind. After serving in the war, and taking over two years to recover from malaria, my grandfather busted his hump to achieve success. From him I learned the ethic of hard work, and planning for the future. It’s why I was so surprised, when hanging with my grandmother and she started talking about “the market”. She knew her financial situation…
  • Reframing your investment blueprint

    David Bressler
    26 Jun 2015 | 8:00 pm
    My wife sent me this article on what makes people disruptive, said it describes me. I think it also describes a bit about what I’m doing with Elephant’s Paycheck, so thought I’d share. The insight I kept coming back to this quote in the article: …when he went to work at a gas station and learned he could earn $5 a week just for shipping in oil from far away, he volunteered to help his boss… Malcolm McLean experienced the system (of how gas stations worked) and realized there was an opportunity to earn more than he was doing today and he volunteered to learn more. For me, the…
  • Does your investing strategy empower you or scare you?

    David Bressler
    16 Jun 2015 | 5:40 am
    A few times in the past week I’ve seen a question I hadn’t considered. I am sorta surprised that people even ask the question: How often should I check my portfolio?   I guess it’s not the question that bugs me, but the generally accepted answer: You shouldn’t.   (Or, you shouldn’t that often.) From Wealthfront: Checking your portfolio can be hazardous to your financial health!   I realize they’re being a little tongue-in-cheek, and in fact, I really like the early part of their article about loss aversion. The thing that bugs me is that companies like Wealthfront…
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    iMoney.ph

  • OFW Loan Guide: Where to Borrow Money

    Mariae Francesca Ramos
    30 Jul 2015 | 3:37 am
    We get a lot of inquiries from Overseas Filipino Workers (OFWs) who wish to apply for a personal loan or a housing loan, but do not have a clue about whom they are going to approach or how to begin with their inquiries. Some don’t also know which agencies of the government or even private organizations they should be talking to. Being based abroad limits their means and even capabilities to communicate their needs with the various financial institutions here in the country. Over $24.35 billion worth of remittances have been sent to the Philippines last year. So it isn’t surprising that…
  • When Being In Debt Is A Good Thing

    Mariae Francesca Ramos
    23 Jul 2015 | 12:32 am
    There are times when being in debt is unavoidable. You may have needed to take up a loan to pay for your child’s tuition or settle hospital bills when a family member falls ill. A pressing financial obligation can be burdensome especially if you’re not earning enough to pay for the entire amount at that particular moment. And borrowing money is the immediate solution, but it is not necessarily a bad thing. While it is ideal practice to be as debt-free as possible, there are certain instances when taking on debt can be a smart financial move. This sounds crazy, and you might be quick to…
  • 12 Frugal Things That Are Not Worth The Effort

    Mariae Francesca Ramos
    20 Jul 2015 | 3:19 am
    There’s nothing wrong with peso-pinching here and there. In fact, we urge it. It gives you some extra cash to save or an additional budget which you can allocate to cover other expenses. However there are times when peso-pinching can do more harm than good. Here are 12 instances when being too frugal can backfire: 1. Buying a second-hand car vs a new one The general rule is, unless you can’t afford a brand new model, stay away from used cars. Sure it sounds like a bargain, and you’ve checked the mileage and did a test run. But an older car breaks down faster, and you’ll be keeping up…
  • Secured Shopping in Six Easy Steps

    Mariae Francesca Ramos
    14 Jul 2015 | 11:30 pm
    Consumers everywhere have increasingly been dependent on ATMs and credit cards. It spells a thousand different ways of convenient in terms of paying for everyday stuff such as gas, and groceries, to big ticket items, such as a new laptop, or the latest smartphone. However, the convenience comes with its own set of risks. New types of scams and frauds are frequently popping up in the news and you hear stories of your friend’s friend who was robbed after withdrawing a large amount of cash from the bank. It pays to know that there are ways to counter the risks. You can protect your money and…
  • 6 Ways to Start Paying Yourself First

    Mariae Francesca Ramos
    11 Jul 2015 | 8:53 pm
    You’ve probably heard this piece of advice practically across all financial websites and blogs you visit — and with reason. Paying yourself first is a core principle of personal finance as we have mentioned in The Best Personal Finance Strategy — Pay Yourself First. The concept might still be hard to grasp, especially that of saving for a far off future we might not even reach yet. Add to that the piling bills, debt, and other expenses that knock at your door the minute you receive your monthly paycheck. Saving for yourself seems like an impossible task, and an impractical idea. But it…
 
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    Diễn đàn của sự thay đổi

  • Áo khoác form dài túi xéo 212K

    29 Jul 2015 | 12:27 pm
    Chi Tiết : Áo khoác form dài túi xéo với thiết kế nhẹ nhàng, sang trọng mang lại gu thời trang tinh tế, quý phái. Áo nỉ nữ chất liệu cát len cao cấp, dày dặn, màu sắc trẻ trung thể hiện gu thời trang nổi bật, đầy phong cách.... Áo khoác form dài túi xéo 212K
  • Dịch vụ diệt mối tại nhà tận gốc

    29 Jul 2015 | 9:17 am
    Việc tìm kiếm và phát hiện mối trong nhà cửa, kho tang, kho, bệnh viện, trường học, chung cư là vô cùng khó khan và phức tạp. Loại mối mà chúng ta hay bắt gặp đó là mối gỗ. Chúng là tổ ở ngay trong gỗ, đục thành các khe dích dắc, vừa khai thác thức ăn vừa làm nơi cư trú. Biểu hiện bên ngoài là chúng đùn những hạt phân ra ngoài như hạt cát người ta còn gọi là mối “đống cát”. Diệt loại này chỉ cần dùng thuốc đặc trị mối tiêm trực tiếp vào tổ. ... Dịch…
  • Chồng tôi đang bị chứng thận hư thì chừng nào mới phẫu thuật giãn tĩnh mạch thừng tinh được?

    29 Jul 2015 | 9:14 am
    Tôi đang bị chứng thận hư thì chừng nào mới giải phẫu giãn tĩnh mạch thừng tinh được? I. Em đang bị chứng thận hư thì chừng nào mới phẫu thuật giãn tĩnh mạch thừng tinh được? Bệnh nhân bị giãn tĩnh mạch thừng tinh không nên mặc quần lót quá chật, có chất liệu nilon gây ngứa ngáy và đọng mồ hôi. Nếu đã mổ giãn tĩnh mạch thừng tinh mà chất lượng tinh trùng vẫn không cải thiện, anh chị cần cân nhắc các phương pháp điều trị vô sinh khác. Đặc biệt là em...
  • Nhu cầu sử dụng dịch vụ vệ sinh giá rẻ tại hà đông

    29 Jul 2015 | 2:08 am
    Vấn nạn vệ sinh môi trường đang dần trở nên nghiêm trọng ở địa bàn Hà Đông và bạn đang băn khoăn không biết chọn cho mình công ty vệ sinh môi trường nào có thể thực hiện công việc là tốt nhất, thu gom rác thải cho mình. Công ty vệ sinh môi trường thủ đô chúng tôi luôn đủ khả năng để đáp ứng tốt nhất những yêu cầu của quý khách hàng trong bất kì điều kiện hoàn cảnh nào. Lí do bạn nên chọn công ty chúng tôi :... Nhu cầu sử dụng dịch vụ vệ sinh giá rẻ…
  • Sạch mụn trắng da với 2 cách trị mụn trứng cá từ Dâu tây

    29 Jul 2015 | 1:50 am
    Mùa hè có lẽ là mùa khó khăn nhất để chăm sóc và chiều chuộng làn da vì mùa hè nắng nóng, thời tiết thất thường. Làn da luôn có cảm giác nhờn rít và bóng dầu vì mồ hôi. Nếu không có cách chăm sóc phù hợp trong mùa hè thì rất dễ gặp phải các vấn đề về da như mụn trứng cá, làn da sậm màu, thiếu sức sống. Cùng thực hiện và trải nghiệm 2 cách trị mụn trứng cá từ dâu tây ngay dưới đây để giúp ngăn ngừa, trị mụn trứng cá, vừa làm sáng da cũng... Sạch…
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    Personal Finance Advice

  • Shopping Online? Do these Things to Potentially Save Money

    Chris Bibey
    22 Jul 2015 | 5:15 am
    There are many benefits of shopping online, including the ability to save money when compared to local prices. Furthermore, the convenience factor attracts many consumers to the internet. But just because you are shopping online does not mean you should automatically assume you are getting the best possible deal. There are other ways to potentially save money, including these three ideas: Contact the store for a discount code. If you can’t find a discount code by searching online, it is time to reach out to the store. You can do so by phone or email. Either way, let them know your interest…
  • Things to Consider Before Taking a Car to College

    Chris Bibey
    12 Jun 2015 | 5:24 am
    From a student perspective, taking a car to college sounds like a great idea. Many parents, however, take a different stance. It doesn’t matter if you are a student or parent, there are things to consider before making this very important decision. If you don’t examine the pros and cons in great depth, it could end up causing you a headache in the long run. Here are three of the most important points to consider: Do you have anywhere to park the car? While some schools have enough parking for every student, this is not always the case. If you can’t snag a free parking spot from the…
  • Reasons why you need a Credit Card

    Chris Bibey
    14 May 2015 | 5:59 am
    There is no denying the fact that some people shouldn’t carry a single credit card. For example, if you have had issues with this type of debt in the past, it is probably best that you don’t have access to a credit card in the future. On the flipside, there are reasons why you need a credit card. As long as you can use it in a responsible manner, you can benefit on many levels. Here are three reasons to consider: Helpful in the event of an emergency. For instance, if your car breaks down you may need a credit card to pay for emergency service. Furthermore, if you are faced with a large…
  • 3 Tips to Ace your Next Job Interview

    Chris Bibey
    16 Apr 2015 | 5:47 am
    So, the big day is coming soon. You are going on a job interview you have been dreaming of for quite some time. It is natural to feel nervous. It is natural to think about everything that could go wrong. Even though you may feel this way, there are steps you can take to improve your chance of success. And by success, we mean landing the job. Don’t be one of those people who overcomplicate the job interview process. Instead, follow these three basic tips: Be prepared for anything that could come your way. Even if you think you know everything about the position, company, and industry, it…
  • Saving on Groceries: Easier than you Think

    Chris Bibey
    20 Mar 2015 | 6:03 am
    When you step foot into a local grocery store, you will have two things on your mind: Finding and buying everything you need Saving money along the way It is easy to put a variety of items in your cart. It is not so easy to check-out, knowing that the final total could be more than you wanted to spend. While many people are resigned to the fact that they will overspend on groceries, you don’t have to go down this path. Instead, use these tips to your advantage: Buy what’s on sale. It may not be what you want, but it could go a long way in saving you money. No matter which store you visit,…
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    Mad Fientist

  • Financial Independence After Tragedy

    The Mad Fientist
    29 Jul 2015 | 2:50 am
    Today, I’m excited to put a Mad Fientist reader Under the Microscope for the first time! A reader named Clay was brave enough to share his story so please take some time to read about his journey and share any advice you may have in the comments. Clay unexpectedly lost his wife in a tragic accident shortly after adopting two children so his path to FI has been anything but easy. Despite this awful tragedy, he is nearing the FI finish line and has a lot of great advice to share about pursuing financial independence (and about life in general). Enjoy! If you’d like to go under the…
  • Guinea Pig – Mid-Year Review and New Home

    The Mad Fientist
    9 Jul 2015 | 4:58 am
    Welcome to the 2015 mid-year review of the Guinea Pig (GP) experiment! The GP experiment allows us to watch the entire journey of someone going from $0 to financial independence, using real-time market returns and decision-making. To check out past articles in the series, visit the Archives page and scroll to the Guinea Pig section. I know it’s been a while since the last GP update but the experiment is still going strong. Even though I haven’t been posting about it, I’ve still been working hard behind the scenes recording the GPs’ investments every month. New Home…
  • Millionaire Educator – Financial Independence on Teachers’ Salaries

    The Mad Fientist
    17 Jun 2015 | 4:01 am
    Ed Mills from MillionaireEducator.com joined me for an episode of the Financial Independence Podcast to talk about how he and his wife saved nearly a million dollars in just 16 years…on teachers’ salaries! We get into some really interesting tax-avoidance and geographic-arbitrage strategies so if you want to learn ways to drastically increase your income and savings rate, this episode is for you! Click here to listen now! Highlights Using international and domestic geographic arbitrage to increase income How to save $250,000 in 3 years on teachers’ salaries Setting up SEPP…
  • Happiness Through Subtraction

    The Mad Fientist
    21 May 2015 | 6:41 am
    Financial independence isn’t the answer to all your problems and it won’t be the source of all your happiness. In fact, financial independence is just another shiny object. A new car. The latest smart phone. It’s all the same. We scoff at normal consumers when they try to find happiness by buying things but are we any better? I know I wasn’t. I thought that all my problems would be solved and complete happiness would arrive as soon as I hit my magic number. After all, why wouldn’t it? Once I reached my FI target, I could do whatever I wanted, whenever I wanted.
  • Under the Microscope: The Mad Fientist

    The Mad Fientist
    21 Apr 2015 | 8:50 am
    Last year, I asked you what you’d like to see more of on this site and the biggest request was to see more stories of people who are on the path to early financial independence so today I am introducing the Under the Microscope series, the series where we peak behind the curtain of someone’s journey to financial independence and offer advice to help them reach FI even sooner! The second most-popular request from my survey was that you wanted me to write more about my personal story so to kick things off, I decided to go under the microscope first! Be easy on me :) Occupation…
 
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    Getting Ahead, A Personal Finance News & Exchange

  • What Is Amortization? | US Equity Advantage

    29 Jul 2015 | 9:00 am
    <p> <img style="vertical-align: middle;" title="Loan Amortization" alt="Loan Amortization" displaymode="Custom" customsizemethodproperties="{'MaxWidth':'600','MaxHeight':'','ScaleUp':false,'Quality':'High'}" method="ResizeFitToAreaArguments"…
  • What Types of Loans Are Out There and How Can I Save on Them? | US Equity Advantage

    22 Jul 2015 | 9:00 am
    <p><img style="vertical-align: middle;" title="Loan Types" alt="Loan Types" displaymode="Custom" customsizemethodproperties="{'MaxWidth':'600','MaxHeight':'','ScaleUp':false,'Quality':'High'}" method="ResizeFitToAreaArguments" src="http://www.usequityadvantage.com/images/default-source/Blog/Images/loan-types.jpg?sfvrsn=0&amp;MaxWidth=600&amp;MaxHeight=&amp;ScaleUp=false&amp;Quality=High&amp;Method=ResizeFitToAreaArguments&amp;Signature=92C7886105A596630CB5C036B8435785" /><br />…
  • Oh, the power. Who is in control of your financial credit?

    20 Jul 2015 | 9:16 am
    <img src="http://www.usequityadvantage.com/images/default-source/Blog/Images/financial-control.png?sfvrsn=2" title="Financial Control" style="vertical-align: middle;" /><br /> <br /> <p>The credit information of more than 200 million Americans is in the hands of a triumvirate of powerful reporting agencies: Equifax, Experian and TransUnion. The information these giant companies collect and disseminate can affect the ability of consumers to rent an apartment, obtain financing for a car or home loan, get car insurance or even find…
  • What Is Loan Interest? What You Don’t Know May Cost You

    15 Jul 2015 | 8:28 am
    <p><img style="vertical-align: middle;" title="Loan Interest" alt="Loan Interest" displaymode="Custom" customsizemethodproperties="{'MaxWidth':'600','MaxHeight':'','ScaleUp':false,'Quality':'High'}" method="ResizeFitToAreaArguments" src="http://www.usequityadvantage.com/images/default-source/Blog/Images/loan-interest.jpg?sfvrsn=0&amp;MaxWidth=600&amp;MaxHeight=&amp;ScaleUp=false&amp;Quality=High&amp;Method=ResizeFitToAreaArguments&amp;Signature=F8C904B5B13906996A4A514476A7749F" /><br…
  • A Definitive Guide to Car Loan Terms | US Equity Advantage

    8 Jul 2015 | 9:00 am
    <p><img style="vertical-align: middle;" title="Car Loan Terms" alt="new car loan" displaymode="Custom" customsizemethodproperties="{'MaxWidth':'600','MaxHeight':'','ScaleUp':false,'Quality':'High'}" method="ResizeFitToAreaArguments" src="http://www.usequityadvantage.com/images/default-source/default-album/car-loan-terms.jpg?sfvrsn=0&amp;MaxWidth=600&amp;MaxHeight=&amp;ScaleUp=false&amp;Quality=High&amp;Method=ResizeFitToAreaArguments&amp;Signature=607C63AF7B31B2DD44C55CE35987FB13"…
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    Rockstar Finance

  • ★ How I Save 75% of My Income Each Month

    Team
    30 Jul 2015 | 3:02 am
    “First, I roughly calculated a 10% tax rate out of my income, knowing I could adjust it when I get paid and see the actual figure. Then, I did something different than most people I know. If people plan their savings at all, most subtract all their expenses and see how much savings they have left. Instead, I did the opposite. I began with saving 50% of my after tax income. I multiplied 0.5 times my after tax income and took that total out of the sum. Then I subtracted my other expenses including food, gas, entertainment, shopping, business services (for my website), etc.”…
  • ★ The Ultimate Early Retirement Checklist

    Team
    30 Jul 2015 | 3:01 am
    “Take a test drive – We saved all of my paychecks for a year before I quit my job. We should do the same for Mrs. RB40. It will show us that we can function without her salary. This will give us a chance to practice living with the post retirement budget.”
  • ★ The Miracle of the Commons

    Team
    30 Jul 2015 | 3:00 am
    “I always hear about how inefficient government is. And yet all around me, I see these examples of public assets which are thousands of times more efficient than their private counterparts. Just by the miracle of sharing, a single book in a library, or basketball hoop in a park, or seat on a bus, completely destroys the efficiency of its privately-owned counterpart  Can you imagine the huge collective cost if everyone bought their own computers and books and other media, just to build a personal library? Or if we all drove our own personal vehicles everywhere instead of using the…
  • ★ The 8 Days That Set Me on My Path to Financial Independence

    Team
    29 Jul 2015 | 3:02 am
    “In my 41 years on this earth, the overwhelming majority of days are the same old routine. This isn’t bad; it’s just the natural flow of life. However, there were some days that sent my life on a completely different and better course. Today, I’ll share them with you.” ——– Photo Credit: photosteve101
  • ★ If You Have to Ask, You Should Probably Rent

    Team
    29 Jul 2015 | 3:01 am
    “When choosing between buying versus renting a house or apartment, people are making much, much worse choices than I would have thought possible. The implications are so striking that logically, some of the world’s busiest stretches of road should not even exist. We could save millions of lives and trillions of dollars by just helping certain people operate a basic hand calculator at a beginner level. “
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    Doctor Of Credit

  • $100 BP Gas Gift Card for $90 on eBay [Today Only] & Complete List of eBay Gift Card Deals

    Chuck Sithe
    30 Jul 2015 | 9:00 am
    The eBay deals keep coming! The Offer Direct Link Purchase a $100 BP gas gift card for just $90 from SVM on eBay. Limit 3. The Fine Print Sale ends around midnight PT today 7/30 “Limited quantity available” (there appears to be around 4000 available) Notes about payment: SVM does not get 5x rewards with INK. Be sure to use up any eBay Bucks you have on the purchase. Maximize the deal by paying with eBay gift cards purchased at a discount.  Our Verdict We posted a similar deal not long ago as well. Oddly, this deal is just for today apparently, which isn’t typical by…
  • Do I Need To Make A Single Purchase For AmEx Offers, Or Is It Cumulative?

    William Charles
    30 Jul 2015 | 7:22 am
    Recently a lot of people have had a similar/same question regarding American Express sync offers. I’ve rephrased the question below and then answered it. The Question I have a question regarding American Express offers. Let’s say the offer is spend $300+, receive $50 statement credit. Do I need to spend $300 in a single transaction? Or can I spend $100 three times over the offer period and receive the statement credit? The Answer It needs to be a single purchase to trigger the offer from American Express. If you make multiple smaller purchases under the purchase requirement, you…
  • [YMMV] Enroll BBVA Compass In Visa Checkout & Receive $10

    William Charles
    30 Jul 2015 | 6:21 am
    The Offer Direct link to offer Receive $10 when you enroll a BBVA Compass credit or debit card with Visa Checkout   The Fine Print Offer expires August 29, 2015 at 11:59PM CST, or when funds and/or supplies are exhausted, whichever is first One bonus per person per account and 1st card added Offer is limited to one card per new Visa Checkout account opened and will be applied to the first BBVA Compass credit or debit card added to such account. Each BBVA Compass cardholder is limited to one $10 account credit Offer only available for cardholders not previously enrolled in Visa Checkout…
  • $.50 Tickets on Ticketmaster, $9.50 Profit with Amex Checkout!

    Chuck Sithe
    29 Jul 2015 | 5:59 pm
    We just reported on $2.10 tickets available for a $7.90 profit. Those are gone already, but now Dansdeals found a new $.50 ticket available, for a $9.50 profit per Amex card. Direct Link This won’t last – act fast if you’re still on the fence with unused Amex cards! If you liked this post and want to receive others like it make sure you join our rss feed or join the newsletter (weekly updates, one lucky subscriber is chosen monthly to win $25 AND we share additional tips and secrets in the newsletter) or submit your e-mail here to get daily updates. The post $.50 Tickets…
  • 4x Fuel Points at Kroger-chain Stores (expires 8/11)

    Chuck Sithe
    29 Jul 2015 | 1:57 pm
    The Offer Receive 4x fuel points on the purchase of gift cards at Kroger and the other stores in that chain. Typically, these stores offer 2x fuel points on gift card purchases, and they’ll occasionally release offers like this one to get 4x fuel points. The Fine Print Expires 8/11/15 Be sure to use you Kroger Plus card when making the purchase. Verify that your local store has this offer up as we haven’t yet found a public link for it In the past, there have been mixed reports on whether fixed-denomination Visa/MC/Amex gift cards worked to trigger the bonus fuel points. Deal…
 
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    moneypantry.com

  • 17 Ways to Make Money in Retirement Without a Full-time Job

    Satrap
    29 Jul 2015 | 1:55 pm
    Retirement is something of a catch-22 in our modern economic climate. On one hand, it’s the freedom from the grind that we all dream of during our working years. On the other hand, now you’re made to survive on a fixed income, which limits you somewhat from that unrestrained freedom. Due to this situation, a... Read More The post 17 Ways to Make Money in Retirement Without a Full-time Job appeared first on MoneyPantry.com.
  • Get Paid $5 for Every Phone Call You Make: a Great Part-time at Home Job

    Satrap
    25 Jul 2015 | 1:27 pm
    In the today’s world, almost everybody is carrying around a cellphone. Phones are involved in everything, from making money and work to socializing. A while back I talked about a company that pays people to listen to phone calls. Today, I am going to talk about a company that does the opposite–paying you to make... Read More The post Get Paid $5 for Every Phone Call You Make: a Great Part-time at Home Job appeared first on MoneyPantry.com.
  • Earn $13,000 by Selling Your Poop for science

    Satrap
    22 Jul 2015 | 9:19 am
    I imagine that the title of this post seems a little crude, or perhaps a little silly. It isn’t quite as silly as it sounds, though – we sell our body for variety of reasons. We sell our blood, our sperm, our plasma and our eggs, so why not our poop? As it turns out,... Read More The post Earn $13,000 by Selling Your Poop for science appeared first on MoneyPantry.com.
  • How I Get Half Price Movie Tickets Faster than You Can Buy Popcorn

    Satrap
    21 Jul 2015 | 1:23 pm
    Even though digital distribution is at an all-time high, movie tickets are as expensive as ever. When you consider all of the 3D films that are coming out, it seems pretty clear that movies are getting MORE expensive to go see! So you might care to know that there are ways for you to get... Read More The post How I Get Half Price Movie Tickets Faster than You Can Buy Popcorn appeared first on MoneyPantry.com.
  • Save a Ton of Cash by Following These 10 Companies on Twitter

    Satrap
    20 Jul 2015 | 1:04 pm
    Social media– the very phrase conjures up a million different ideas. It might be the way that you like to kill time, it might be the way that you manage your business, or it might even be a significant part of your daily routine. But how about using social media sites like Twitter to save... Read More The post Save a Ton of Cash by Following These 10 Companies on Twitter appeared first on MoneyPantry.com.
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    CompareHero Malaysia

  • Infographic: Timeline of Personal Loan Process

    CompareHero
    28 Jul 2015 | 8:29 pm
    You’ve heard of fast loans, but just how fast is the fast in fast loans? Let’s find out with this handy infographic that traces the steps from comparing personal loans on CompareHero.My all the way to disbursement. Find out how fast each process takes and be amazed out how efficient banks handle the whole process. Aside from learning just how fast the loans are, you also get to find out which documents you need to be ready with so that you can make the application process. Ready to start applying for personal loans? Tips for fast loan processing Be ready with your requirements Documents…
  • How These 5 Celebrities Save their Millions

    CompareHero
    26 Jul 2015 | 7:44 pm
    Celebrities rake up a lot of money and their net worth is sometimes more than 6 digits in US dollars, but how do they spend the money they earn? How do they save money? Just because they're celebrities doesn't mean they spend all the money they have on parties, after all! Here are some of our favorite celebs and their saving skills!   Keanu Reeves In an interview with Hello! Magazine in 2003, Keanu Reeves said that money was the last thing he thinks about. "I could live on what I have already made for the next few centuries," he continued. And indeed, Keanu Reeves is one of those few…
  • 6 Time-Saving Apps For When You’re Stuck in Traffic

    CompareHero
    19 Jul 2015 | 7:43 pm
    Whether it's commuting or driving to work, our worst enemy will always be traffic. Nothing wastes time and ruins productivity like getting stuck in clogged roadways that don't seem to move more than an inch every few minutes.   But in this day and age, we have technology to help us plan our trips and become a bit more productive if we get caught in the jam. At the very least, these apps help us pass the time and calm us down.   Here are our favorite apps that help us save time in traffic, and keep us from entering road rage mode! General Traffic Apps Waze (Free) Available on Google…
  • How to Kick-Start your Child’s Life Savings

    CompareHero
    16 Jul 2015 | 7:55 pm
    A parent is also a child’s first teacher, showing them what they need to know about the world. An important part of this is taking them down the road of financial literacy. While some parents are apprehensive about discussing money matters with their kids, you must avoid falling into the same trap of minimal supervision.   As a general rule, it is better to err on the side of being open with your child about important issues. And when it comes to personal finance, it’s better to start them young than to let them carry harmful spending behaviors into their adult years. Here we walk…
  • Infographic: Buy or Rent Your First Home?

    CompareHero
    15 Jul 2015 | 7:35 pm
    Having trouble deciding whether to buy a house or whether to just rent a house in Malaysia? Let this handy infographic help you decide the best option for you! Knowing which one is the best choice can help you save a lot of money especially since buying a new home is one of the most important financial decisions you will ever make. Your First Home: To Rent or To Buy? Should you pour your savings into buying your own place? Or should you save money by renting instead? We weigh the pros and cons of funding your first home according to your needs and budget. On Opportunity Cost: The dilemma of…
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    Money International

  • Credence International Dubai Profile

    Patricia Smith
    28 Jul 2015 | 6:02 am
    Credence International is one of the leading financial advisories in Dubai, under the stewardship of CEO Chris Ferguson, a British financial expert who saw a need for transparent, honest and expert financial advice for the growing expat demographic in the UAE’s most prestigious Emirate. A number of financial institutions can come and go in Dubai, but in Credence International, Ferguson has now established an advisory that is as trusted as it is successful – two traits that, in the long run, will go hand in hand. Chris Ferguson came to Dubai nine years ago, having worked in both the UK and…
  • Property Fraudsters Out To Scam Expat Home Sellers

    Kevin Barnett
    19 Jul 2015 | 9:30 pm
    Fraudsters phishing for expat bank details are plaguing expats in Cyprus with phone calls and emails. Posing as bogus property agents, the crooks are cold-calling home sellers advertising their properties online. The crooks claim they work for a United Arab Emirates company called Prime Property Consortium. The gang sends out emails to property sellers claiming to have seen their home advertised online and that they have an overseas customer interested in making a purchase. The email then asks the seller to name their best price for the sale. Later, a second email or phone call follows when…
  • Peer-To-Peer Lending – The Emerging Platforms

    Vicky Dixon
    19 Jul 2015 | 9:00 pm
    Crowdfunding is a new investment phenomenon and one of the markets promising the best returns is peer-to-peer lending. Peer-to-peer lending or ‘P2P’ as the term is known to financial experts, is where a group of investors pool their cash and then lend to several borrowers to spread the risk should the loan default. Most P2P lenders pay competitive rates of interest, especially for commercial lending. The returns are likely to exceed those of leaving the cash in a bank savings account – but don’t forget to declare any interest earned to the tax man. Europe’s top three If you are an…
  • Radical Pension Reform Not Ended, Promises Osborne

    Kevin Barnett
    15 Jul 2015 | 10:57 am
    Britain’s highest earners have seen tax relief on pension contributions clipped in Chancellor George Osborne’s Summer Budget. He confirmed rumours circulating earlier in the week that those earning more than £150,000 a year will pension contribution relief on payments into their retirement savings of £40,000. Instead, their allowance will taper from £40,000 to £10,000. For every £1 earned over £150,000, the annual allowance will reduce by 50p. Anyone earning more than £210,000 will have the reduced annual contribution allowance of £10,000. The measure will fund the inheritance tax…
  • Summer Budget 2015 – Tax changes for landlords

    David Vaughan
    13 Jul 2015 | 11:55 pm
    Chancellor George Osborne’s Summer Budget was loaded with tax changes – and several will have a major impact on buy to let landlords. Just how far the tax changes will bite depends on if the landlord trades as an individual or a company. Here are the major changes: Income Tax personal allowance will rise from £10,600 to £11,000 from April 6, 2016 and £11,200 the year after. In future years, the personal allowance will automatically increase in line with the new National Living Wage to make sure those on the lowest pay stay out of the tax net. The Tories pledged to put the allowance up…
 
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    Your Smart Money Moves | Personal Finance Blog

  • Four Tax Free Weekend Shopping Tips

    Ted Jenkin @ Your Smart Money Moves
    29 Jul 2015 | 6:09 am
    Back in 1996, New York legislature was the first to enact a statewide sales tax holiday through a tax-free week that began in January 1997.  Since then, thirteen different states have adopted the notion of this back to school tax free shopping weekend. (source: Wikipedia)   Saving money is normally music to our ears.  Saving on taxes at the same time we can get a discount on merchandise is surround sound for our ears.   There are several states that don’t currently impose a sales tax entirely, but here are my four smart money moves on how to take advantage of the tax-free shopping in…
  • How To Save $1,000 Fast

    Ted Jenkin @ Your Smart Money Moves
    25 Jul 2015 | 7:10 pm
    How many times have you told yourself, “If I just had an extra thousand dollars in my pocket I would . . . .” in your life?   There are many things that we would like to purchase month to month or year to year if only that little bit of extra cash was in our pockets.  I discuss a lot of different techniques to make money or save money in the your smart money moves blog, but now let’s talk about a few ways to get cash quick in your pocket.   If you need $1,000 bucks for something you want to buy, a vacation you want to take, or to make an investment that needs to be done now, here…
  • Are Robo Advisors On A Level Playing Field?

    Ted Jenkin @ Your Smart Money Moves
    22 Jul 2015 | 8:51 am
    Over the past twelve to eighteen months, easily one of the most featured story lines in the financial services business is the proliferation of ‘robo-advisor’ as a lower cost better way to have your money managed.   Leaders in the industry such as Wealthfront, Betterment, and Personal Capital have been the frontrunners with a slew of new robo advisors literally popping up by the month. Many investors have started to compare the ‘robo-advisor’ to their current financial advisor, but is it a huge misconception that you are really comparing apples to apples?  Here are four important…
  • How to Get off Cable TV

    Van Pappas
    18 Jul 2015 | 5:06 pm
    So many of us are TV junkies.  Growing up in the era before Cable and DVRs, somehow we were able to watch shows live each week.  But life is busy these days and it is hard to watch all the great shows.  Not too long ago, I was shopping my bills and realized by dropping my Cable bill, I could save some significant money.  After doing some research I found three interesting options. Chromecast by Google.  This is a small device that plugs into the HDMI port on most new TVs.  Using your smartphone, tablet or laptop, you can have Internet programming on your TV screen.  There are no…
  • Should I Lend Money To A Friend?

    Ted Jenkin @ Your Smart Money Moves
    15 Jul 2015 | 10:28 am
    A late night call comes in from an old college friend of yours who now lives miles away.   You spend an hour on the phone reminiscing about the good old days in the fraternity, and then your buddy hits you up with a question that comes out of left field.  “I’ve kind of hit a tough patch in life and I know things have gone well for you in your business career.  Do you think you could loan me $10,000 for just a short period of time?”   He goes on to tell you that he’s got a new job lined up and things are starting to turn the corner so he shouldn’t need the…
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    Money On Trees

  • How to Update Your Wardrobe on a Budget

    Nancy
    29 Jul 2015 | 6:40 am
    Ladies and Gentleman, it’s time to update your wardrobe! Wait! Before you pull out your credit cards and go on a much needed shopping trip, for the latest crop top, festival wear, yoga pants, or office outfits – let me share some of my tips for updating your wardrobe on a budget. Keep in mind that these tips can be applied to your entire family! Look for sales on social media and sign up for store emails Is there a particular store that you want to visit? Check out their social media channels first and visit their website for store emails or promotional codes. I have found many codes…
  • I’ve Graduated! Now What? How to Prepare For Your Career.

    Nancy
    23 Jul 2015 | 7:38 am
    Congratulations to the class of 2015! It’s been a few weeks since you’ve graduated and now it’s time to kick back, enjoy the summer…and wait… does that mean you’re an adult? You’re not going to school next year, you’ve graduated college or university and so the logical next step would probably be to find a job. Ok, no problem. You have a degree, so you’ll be fine. Right? Before you drop everything in a panic, don’t worry I’ve been in the same position. I need you to take a deep breath. Yes, you did graduate. Yes, you don’t need to go to school in September. Yes, you…
  • Welcome Nancy to Money On Trees!

    Nancy
    23 Jul 2015 | 7:03 am
    Hi, I’m Nancy, Social Media Coordinator for FirstOntario Credit Union. I’m here to help you sort through all the noise when it comes to managing your finances. As a young adult, finances still scare me. Many of my friends are graduating, getting married, buying homes – and to think that a couple of years ago, we just began our post-secondary careers. That’s why when it comes to finances, I’ve always had a plan. On this blog, I will share my financial experiences and offer helpful resources. Are you looking to buy your first home, car or save money for a rainy day? We will…
  • 5 Travel Apps to Save You Money (With Amanda Stancati)

    Fabio M
    8 May 2015 | 6:51 am
    Spring may have just started, but summer is just around the corner – and that means its vacation time! So we turned to the vacation experts for some tips. Amanda Stancati at tripcentral.ca provided us with 5 travel apps designed to help you save money when travelling. After all, we could all use a little more saving on our getaways! With these 5 travel apps that can save you some money, there’s no excuse not to download them onto your smart phone and review how they could help you wander the world for less. Budget for your trip beforehand, and while you’re there, hit up Broadway shows…
  • 5 Key Steps to Starting Your Next Small Business (Featuring James Lefebvre)

    Fabio M
    30 Apr 2015 | 9:15 am
    Do you have aspirations to become Canada’s next “great start-up”? There’s a chance you have big ideas knocking around in the back of your head, and some of them are probably aching to come to life. You’re not the only ones: According to BDC (Business Development Bank of Canada) as of 2014, there were over 1.1 million small businesses registered in Canada, and a recent survey found that even 46% of university students might start businesses after they graduate. This week, we turned to one of FirstOntario’s Small Business Pro’s for some guidance. James Lefebvre is the Director,…
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    Bankrate.com » Rates

  • Mortgage rates in Atlanta, Georgia

    Clare Mallen
    30 Jul 2015 | 4:20 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
    30 Jul 2015 | 4:15 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
    30 Jul 2015 | 4:10 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.
  • Mortgage rates in Miami, Florida

    Clare Mallen
    30 Jul 2015 | 4:05 am
    See weekly updated mortgage rates in Miami for the 30-year fixed, 15-year fixed, 5/1 ARM and jumbo home loan.
  • Mortgage rates in New York, New York

    Clare Mallen
    30 Jul 2015 | 4:00 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 New York metro.
 
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    The Travel Sisters

  • New IHG PointBreaks List – Hotels for Only 5,000 Points a Night

    The Travel Sisters
    26 Jul 2015 | 9:54 am
    If you are a beginner to points and miles, one of the best values in points are IHG Rewards Club PointBreaks. This is a list of IHG hotels that can be booked at only 5,000 IHG Rewards points a night (normally you would need more points to book these hotels). Every few months a new list of PointBreaks hotels is published.  A preview of the latest PointBreaks list was released and the properties can be booked starting the morning of Monday, July 27 for stays from July 27 – October 31, 2015. The new PointBreaks list will be updated on IHG’s page here on Monday morning…
  • 3 Different Airlines Offering Extra Bonus Miles for Online Shopping Right Now

    Patti
    23 Jul 2015 | 9:54 am
    While credit card bonuses are the fastest way to earn a lot of miles without traveling, one of the easiest ways to earn miles is through online shopping since you can earn miles for purchases you would be making anyway.   Right now, 3 different airlines are offering extra bonus miles for online shopping.  In case anyone reading is not very familiar with online shopping portals, these bonuses are in addition to the miles normally earned for going through an online shopping portal and also in addition to any miles, points or cash back earned on your credit card. Here are the details:…
  • Lounge Review: American Airlines Admirals Club Lounge – Tokyo Narita

    The Travel Sisters
    21 Jul 2015 | 5:41 am
    The American Airlines Admirals Club lounge was the third and final oneworld first class lounge we visited at Narita International Airport.  Maybe it was just us but we thought this lounge was a bit tricky to find. The American Admirals Club lounge is located on the 2nd floor of the main building.  Entry is down an escalator from the 3rd floor departure level. We were quite surprised as soon as we entered- it was much nicer than any Admirals club lounge we’ve been to in the US. The lounge was very large and very empty.  Many types of seats were available (again, most empty). The view…
  • Earn Free Money and Points at Staples This Week

    Patti
    12 Jul 2015 | 7:09 am
    Staples is offering a rebate on MasterCard gift card purchases this week:   Buy $300 or more of MasterCard gift cards at Staples stores from July 12 through July 18 to receive a $15 Staples gift card after easy rebate.    There is only one rebate per household. If you can find MasterCard gift cards in the $200 denominations, $15 would be more than the fees you would incur for purchasing $300 of MasterCard gift cards so you would be earning some extra profit. Unfortunately, this rebate is not as good as Staples usual easy rebates on gift cards.  Staples usually offers a $20 Visa…
  • Earn Points for Referring Chase Credit Cards: List of Cards Currently Offering Refer-a-Friend Bonus

    The Travel Sisters
    10 Jul 2015 | 6:59 am
    There are at least six Chase credit cards currently offering a referral bonus for referring those credit cards to family or friends (if they apply and are approved using your referral link). I’ve written before about Chase’s refer-a-friend program which I use to earn extra points when a close family member applies for a card.  For anyone not familiar, Chase periodically offers the opportunity to earn points for referring its credit cards through chasereferafriend.com. The way Chase refer-a-friend works is that you receive 5,000 bonus points (10,000 for the Marriott card) for each person…
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    Advantage CCS » Blog

  • Financial Pet Peeves and How to Deal with Them

    Lauralynn Mangis
    23 Jul 2015 | 11:23 am
    Everyone has pet peeves, those little things that happen that aren’t big enough to require much effort, but come up to annoy you again and again when you least expect it.... The post Financial Pet Peeves and How to Deal with Them appeared first on Advantage CCS.
  • The Very Best Methods For Summertime Savings

    Lauralynn Mangis
    16 Jul 2015 | 11:08 am
    People tend to spend more money during the summer months because there are just more fun things to do. From family vacations to visiting local attractions such as the zoo,... The post The Very Best Methods For Summertime Savings appeared first on Advantage CCS.
  • Can You Have Too Much Debt?

    Lauralynn Mangis
    9 Jul 2015 | 11:38 am
    Most families have some kind of debt at one point throughout their lives. It might be a mortgage loan, a car loan, student loans, or plain old credit card debt.... The post Can You Have Too Much Debt? appeared first on Advantage CCS.
  • How to Achieve Financial Independence

    Lauralynn Mangis
    2 Jul 2015 | 12:13 pm
    The Fourth of July is this weekend, so we are reminded of our Independence on that day.  But what about our financial independence? The goal of financial independence is to... The post How to Achieve Financial Independence appeared first on Advantage CCS.
  • A Look At Credit Cards Throughout History

    Lauralynn Mangis
    24 Jun 2015 | 8:35 am
    Have you ever wondered how credit cards came about? Who thought of the very first credit card and what were they used for back then? From personalized store credit in... The post A Look At Credit Cards Throughout History appeared first on Advantage CCS.
 
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    Save The Bills

  • Build Your Savings Today – With No Excuses

    Edwin C.
    17 Jul 2015 | 12:32 am
    When the economy went in the tank a few years back, a huge number of people quickly discovered that they were totally unprepared for just such an event. This really shouldn’t come as a big surprise, as it is believed that as many as 75% of Americans are currently living paycheck to paycheck. Sure, we all know that we should have an emergency fund stacked away in a savings account, but how are we supposed to make that happen when we are barely getting by as is? There are a few simple ways to start a savings account without making a huge dent in your current financial situation. Here are…
  • 5 Quick Ways To Boost Your Resume Today

    Edwin C.
    2 May 2015 | 4:22 pm
    Trying to navigate the job market in 2015 is harder but more promising than ever. Finding the right company that fits with your skills can be an almost impossible task. When it comes to getting the attention of a potential employer your resume is everything. Most people don’t realize the importance of having and updating a professional resume. Your resume is your first introduction and impression to any potential employers and like your physical appearance should be professional and presentable. For those who may not no where to begin when it comes to building a resume here are 5 tips…
  • Top 7 Things to Know About Credit Cards

    Edwin C.
    24 Mar 2015 | 1:48 am
    At some point in their lives, most people find themselves getting a little too much credit-card debt built up and are trying to find a way to get themselves out. But most people are more used to comparing cards for rewards programs or considering drastic methods like debt consolidation, settlements, or even bankruptcy. Here are seven things you should know when it’s time to get your debt under control. Checking your credit score We hear over and over that checking your credit score hurts your credit score. That’s only partially true. When you check your own, it doesn’t do that. It’s…
  • Five Mistakes You Can’t Make On A Resume

    Edwin C.
    1 Mar 2015 | 8:14 pm
    You have all the experience they want and this appears to be your dream job. You make sure everything you’ve ever done is on your resume and send it off. They have to call you, right? It wouldn’t make any sense for them to hire someone else. No matter how true that is, if your resume assaults the hiring manager’s eyes, you don’t stand a chance. Experience matters. It’s one of the most important parts of the interview process. But unless someone can make it through your resume and understand it, they can’t see how great a match you are. Here are five big things to get right. 1.
  • 10 Easy Jobs Anyone Can Do To Earn Extra Money

    Edwin C.
    19 Feb 2015 | 9:50 pm
    Freelancing is a beautiful thing. Even if you have a great job that you love, there may be a time in your life when you need extra money to pay down debts or make it through a tough time. Freelancing is a great way to bring in extra cash and many freelance opportunities require very little skill or special training. Look at the skills available to you and try a few different things before concentrating on one opportunity. If you’re lucky, your freelancing can turn into a new career! Do Some Yard Work Post a sign at the grocery store, the hardware store or anywhere else that gets a lot of…
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    GeorgetteMillerLaw.com

  • Can Chapter 7 Bankruptcy help you eliminate personal liability for business debts?

    Georgette Miller
    24 Jul 2015 | 7:05 am
    It is true that filing Chapter 7 bankruptcy is a way to clear all liability for business debts, but it’s important to find out if it is truly a personal responsibility. A business that is not organized on personal credit would actually need to file a different type of bankruptcy. Start by figuring out if the business is structured as a corporation, LLC, sole proprietorship, or partnership to determine liability for the debts. An individual may be responsible if any contracts were signed with a personal name or personal property was used as collateral for any reason. … Read the…
  • 10 Free Apps To Help Keep Your Finances In Order

    Georgette Miller
    17 Jul 2015 | 7:12 am
    Each day it seems like the app market is releasing a new tool to help consumers simplify their money. From setting bill reminders to automatically creating detailed financial charts, there is always something new to learn with the help of a smartphone. These apps provide a resource to easily plan a budget, start saving for a big purchase, or keep track of available spending cash. Mint.com Mint.com A secure tool that simplifies the user’s financial accounts to enable easy budgeting and tracking of financial goals. Organize a mortgage account, savings, checking, and investments with…
  • 42 of the Best Links for Personal Finance

    Georgette Miller
    10 Jul 2015 | 7:00 am
    The importance of personal finance is immeasurable in every person’s life, regardless if they are considered below the poverty level, middle class, or a millionaire. Parents are afraid to improperly educate their children and public schools tend to shy away from providing such valuable information to the individuals needing it the most. Without this knowledge, it becomes increasingly likely that a person will get carried away with credit cards and personal loans that they cannot truly afford. It’s normal to feel completely lost and confused trying to find relevant information with…
  • Understand Your Credit Report Once and For All

    Georgette Miller
    3 Jul 2015 | 7:00 am
    The information contained on a credit report is a tool that lenders use to decide if a person is in a positive financial situation. It’s important to be able to actually understand each section of the report to figure out ways to boost the score for a greater chance at being approved for a loan with a fair interest rate. Reviewing the report at least once a year also provides an opportunity to spot any errors negatively impacting the score and ensuring that there are no issues with identity theft. The Anatomy of Your Credit Report A total of four … Read the rest The post…
  • What are the typical terms of a permanent loan modification?

    Georgette Miller
    15 Jun 2015 | 7:00 am
    Homeowners that are facing a change in their finances may not be able to uphold their original mortgage agreement. If you are falling behind or are at risk of missing a payment, a permanent modification is the smartest way to avoid losing the home to foreclosure. Understanding Loan Modifications Changing the terms of a mortgage loan is a way to permanently reduce the amount due each month. This type of permanent change is an agreement designed to give the borrower a more affordable plan that will prevent falling behind. The lender typically agrees to reduce the principal balance, reduce the…
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    Sanjay Matai, The Wealth Architects

  • Savers remain poor. Investors become rich. What are you? (Audio Blog)

    Sanjay Matai
    29 Jul 2015 | 10:08 pm
    Most people merely SAVE money. Hence, they are always struggling to make both ends meet. Some, however, take proactive steps to INVEST it productively. They are the ones who normally become crorepatis and millionaires.Given below is the audio version of my blog post Don't just Save. Invest!Listen to the same carefully and understand how to create a bountiful financial destiny for you and your family.
  • Tax benefit on NPS is all bogus and sham

    Sanjay Matai
    28 Jul 2015 | 10:23 pm
    As I have repeatedly cautioned, taxation is one of the biggest drawbacks of the National Pension System (NPS).The Govt's intention was to create a social security system for the aam aadmi. However, the NPS designed is simply too complicated and convoluted. So it doesn't surprise me at all that few know about; and fewer invest in it.Taxation too on NPS is rather complex. This article, therefore, is going to be a difficult one. But, I am challenging myself to make it as simple as possible.And, for the benefit of your precious money, I request you to read it patiently... don't miss the Googly at…
  • Why you shouldn't buy Index Funds? (Audio Blog)

    Sanjay Matai
    27 Jul 2015 | 10:04 pm
    Index funds invest only the best of the best companies. They are not affected by the whims and fancies of a fund manager. And they have the minimum fund management charges among equity funds. Yet, I don't like Index Funds.Given below is the audio version of my blog post Do Not Buy Index Funds.Listen to the same carefully, to know why investing in such funds is not really a good idea.
  • File your income tax returns with smile and serenity

    Sanjay Matai
    26 Jul 2015 | 10:02 pm
    Well, I guess I should first say a small sorry for torturing you with the third article in quick succession, on one of the most hated and depressing topics in the world — filing of income tax returns.Yet, as I have already reassured you [Do I have to file income tax returns?], the process this year is simply too simple.Meanwhile, to ensure a Flawless, Painless and Quick filing of income tax returns, here's my list of seven (no, eight) tips and tricks.One. This year, you get a whole month extra, to complete this supposedly dreadful task. As against July 31st every year, the last date for…
  • Do I have to file income tax returns?

    Sanjay Matai
    23 Jul 2015 | 10:56 pm
    It is commonly believed that if you don't have to pay tax, you don't have to file your income tax returns.However, many among you would surely be disappointed to note that this belief is NOT TRUE. Even if you have no tax to pay, you may still have to compulsorily file your tax returns... or face a penalty.Income Tax Department often comes across cases where a salaried person, whose tax has already been deducted by his employer and he earns no other income, does not file his income tax returns. He thinks that since all his taxes have been duly paid, he is not required to…
 
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    The Skint Dad Blog

  • Amazon Prime Day – Best Deals and Offers Revealed

    Skint Dad
    14 Jul 2015 | 4:01 pm
    Prime Day has started – get deals better than Black Friday. I’ve been given a sneak peak at some of most incredible deals Amazon has to offer. Amazon Prime Day has started! Right now, there are deals launching every 10 minutes, for one day only, giving you more offers than you could get during Black... [Read More] The post Amazon Prime Day – Best Deals and Offers Revealed appeared first on The Skint Dad Blog.
  • Tesco Increases Minimum Spend For Grocery Orders

    Skint Dad
    14 Jul 2015 | 1:59 pm
    The minimum spend for your basket at Tesco groceries will go up from 23 July 2015. This will also impact Tesco Delivery Saver customers. Find out what the other supermarkets consider to be a minimum basket size. Currently, when you place an order with Tesco groceries for home delivery you are able to get a... [Read More] The post Tesco Increases Minimum Spend For Grocery Orders appeared first on The Skint Dad Blog.
  • 9 Ways to Improve Your Credit Rating Even When You’re in Debt

    Skint Dad
    9 Jul 2015 | 3:05 pm
    Whether you’re in debt or not, there are ways in which you can help to improve your credit rating, giving you more chances of getting a good credit score in the future. Having bad debt has a negative impact on your credit rating and credit score. Whenever you apply for a credit card, a loan, a... [Read More] The post 9 Ways to Improve Your Credit Rating Even When You’re in Debt appeared first on The Skint Dad Blog.
  • Week’s Shopping List (for £40!) and Meal Plan to Avoid Food Waste

    Skint Dad
    8 Jul 2015 | 12:37 am
    With this meal plan and shopping list you can feed a family for just £40 per week, plus if you follow these tips you will have less food waste too. It’s all well and good cutting your supermarket spend but if you don’t use the food wisely and some of it goes to waste, you’re... [Read More] The post Week’s Shopping List (for £40!) and Meal Plan to Avoid Food Waste appeared first on The Skint Dad Blog.
  • 4 Ways To Save Money While You Sleep

    Skint Dad
    6 Jul 2015 | 3:07 pm
    You can save money loads of ways in everyday living from renegotiating bills to slashing spending. When you fall asleep, saving money doesn’t need to stop! With every waking moment my mind is on saving money. I absolutely love it! Whether it’s a discount on my TV package, haggling with a store assistant, or grabbing... [Read More] The post 4 Ways To Save Money While You Sleep appeared first on The Skint Dad Blog.
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    ReadyForZero Blog

  • Need Money for Your Mortgage Payment? There’s Help Out There‏

    John Schmoll
    30 Jul 2015 | 8:00 am
    Needing money for a mortgage payment is not a fun position to be in, to say the least. Missing mortgage payments can negatively impact your credit and in the most extreme scenarios, leave you homeless. With 1.4 million houses being foreclosed on in 2013, this is something far too many people have to face. Having a family member go through this situation, I know it can be highly stressful. If you need money for your mortgage payment, know there are various forms of help available. Taking action, however, is key to getting that help. Don’t Avoid Your Lender The stress of not having money for…
  • 6 Things to Tackle Before Purchasing Your First Home

    Kayla
    29 Jul 2015 | 8:00 am
    Unless you have the funds to buy an island, a home is likely the largest purchase you’ll make in your adult life. Strapping yourself to a 15-30 year mortgage is clearly not something to take lightly, and the financial process required to finalize the sale ensures you never take it as such. But while there are several hoops you must jump through before being handed your new set of keys, there are a few things you can do now to make sure the process runs as smoothly as possible. Make sure to check off these boxes before you find yourself head over heals for a house. Check your credit score…
  • How To Pay For IVF or Fertility Treatment

    Felicity Nie
    28 Jul 2015 | 7:00 am
    Fertility treatments have become more and more popular in recent years with more than 1.5% of babies in 2013 born through in vitro fertilization (IVF). But with a price tag of about $12,400 for one cycle of IVF, the costs remain steep for the average American. Adding doctor consultations, expensive hormone medication, laboratory services if you plan to freeze eggs or embryos, and additional IVF cycles (since most couples have to try several times before achieving a pregnancy), fertility treatments will easily set you back upwards of $30,000. Few of us have $30,000 or even a fraction of that…
  • 5 Things to Know When Getting a Loan for a Motorcycle

    Kayla
    27 Jul 2015 | 9:14 am
    Ready to hit the open road with a brand new, or new-to-you, motorcycle of your own? Before you start shopping for the ride you’ve always dreamed of, it’s important to consider your overall financial picture and what lenders might be willing to offer you. It might seem like shopping for a motorcycle loan is the same as shopping for a car loan, but there are a few financing caveats that are unique to purchasing a motorcycle. Here are a few to be aware of. Your loan may take the form of a credit card. Unlike car manufacturers, some motorcycle manufacturers offer credit cards as a means to…
  • 4 Ways to Get Quick Cash Besides Predatory Personal Loans

    Kayla
    24 Jul 2015 | 10:34 am
    Faced with an unexpected expense or drop in income, many people turn to predatory loans in an effort to bring in cash quick. However, the ease with which the money can be borrowed comes at a high price. Predatory loans are plagued by hefty fees and a repayment period that most people can’t meet, creating a never-ending cycle of debt. According to the Center for Responsible Lending, the average two-week payday loan has an annual interest rate between 391-521%, and the average borrower will stay in this cycle of payday loan debt for 212 days out of the year. Instead of falling for a flashy…
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    Kali Hawlk

  • Stop Waiting Until Monday

    Kali Hawlk
    23 Jul 2015 | 7:23 pm
    At the beginning of this month, I set a few goals for myself. I wanted to take action to develop new, healthy habits — and I wanted them to actually stick over time. I committed to: running at least 1 mile per day — inspired by Joe from Stacking Benjamins doing at least 1 workout — my minimum acceptable workout is the 7 minute workout writing at least 1 page in my notebook — and turning some of that writing into a weekly blog post here each Thursday And for many glorious days I made it happen. After I got over the 3-day hump, I started getting excited. I proved to…
  • 3 Ideas to Accept Change in Life and in Yourself

    Kali Hawlk
    16 Jul 2015 | 4:00 am
    If you want to make more of your life, you need to get into the habit of creating your own path. Question the narratives you’re offered, don’t accept society’s expectations without first examining if they make sense for you, and spend time getting to understand who you are. Locate that inner voice of reason; that feeling that nags you when something isn’t right and makes you feel like you could float instead of walk when things are the way they should be. It’s a good first step in understanding what’s right for you. Once you know where to find that inner…
  • To Live with Intention, Don’t Take Dictation

    Kali Hawlk
    9 Jul 2015 | 10:21 am
    There’s more than one narrative out there, more than one story we buy into because we chase an ideal that someone else constructed for a mass audience. They’re designed for a conglomerate of people, not each of us as individuals with unique values, desires, and abilities. The problem with all the narratives we know by heart is that they assume we’re all the same. At best, we can segment ourselves, or group together with others who seem to share things in common. Each of these groups receives — or creates — its own version of the story, and that will generally…
  • Stop Living in Someone Else’s Narrative and Start Creating Your Own

    Kali Hawlk
    2 Jul 2015 | 7:54 am
    There’s a common narrative in our society, for those of us born at a certain time and place. If someone ever made you feel like a special snowflake, chances are this means you. Have you heard the narrative? It says that we’ll all be okay — everything will be okay — if we just follow the steps that “they” determined created a path to guaranteed success. It started with going to school. And in grade school, showing up was enough. Don’t worry about doing anything more. Show up, sit down, make no noise, ask no (real, authority-challenging) questions.
  • Want to Change Your Circumstances? Change Your Mindset

    Kali Hawlk
    6 May 2015 | 4:00 am
    There’s a short loop I like to run near my house. This particular route doesn’t have a level, flat section on it. I’m either trudging up a hill or pounding down one. Constantly running up and down hills isn’t easy. It requires you to power through when you’d really prefer to slow to a shuffle. Your legs burn from the effort of propelling yourself not only forward but upward. Running hills often sucks. It hurts. When I run this route, or when I run longer distances than I’m used to, or when I try to do things like interval training — whenever I push…
 
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    Make Money Your Way

  • Discover How to Avoid the Worst Mistake When Trying to Earn More Money

    Pauline
    14 Jul 2015 | 11:05 pm
    This is a guest post from Bill Achola he is a financial publisher who owns a fast-growing, dynamic and innovative investment blog that empowers investors to make the right decision. To see action on how you can invest in your future, follow him at his Google Plus Page. (and maybe learn to earn some profit from […]The post Discover How to Avoid the Worst Mistake When Trying to Earn More Money appeared first on Make Money Your Way.
  • The Best Markets to Invest in South Florida Real Estate

    Pauline
    16 Jun 2015 | 4:05 pm
    When it comes to buying a rental property, you have many aspects to consider, on top of the prospective yield. For example, some markets offer high yields to real estate investors, but they are in not so good neighborhoods, meaning higher risk tenants, if the property is vacant for a while you could be exposed […]The post The Best Markets to Invest in South Florida Real Estate appeared first on Make Money Your Way.
  • Why you can be a bad trader and still make money

    Pauline
    18 May 2015 | 11:05 pm
    Enjoy this guest post from Rolf of Tradeciety! Tradeciety is a trading blog created from traders, for traders. Rolf and his team challenge common trading wisdom, debunk trading myths and offer a unique and different view on trading and the financial markets. You can read more from Rolf at Tradeciety.com or stay up to date by following […]The post Why you can be a bad trader and still make money appeared first on Make Money Your Way.
  • 4 Surefire Online Jobs for College Students

    Pauline
    31 Mar 2015 | 4:05 am
    Good morning everyone, this is a guest post from Basheer Ahmad. He is a student doing online jobs to earn money at spare time. He also shares Real Internet Jobs for College Students with other students to encourage them start doing work online when they are free. Connect with him on facebook or twitter Online jobs are the prime source for […]The post 4 Surefire Online Jobs for College Students appeared first on Make Money Your Way.
  • January 2015 blog income and stats recap

    Pauline
    16 Feb 2015 | 1:50 am
    Welcome to the first 2015 blog income and stats recap of MMYW! January was again spent living a mostly offline life, I was in Spain and France, and flew back to Guatemala on the 30th, through a NYC snow storm, managing to make it home on time which was a miracle. I mostly kept the […]The post January 2015 blog income and stats recap appeared first on Make Money Your Way.
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    Reach Financial Independence

  • Discover How to Avoid the Worst Mistake When Trying to Earn More Money

    Pauline
    15 Jul 2015 | 1:29 am
    Over at Make Money Your Way, I have a guest post from Bill Achola he is a financial publisher who owns a fast-growing, dynamic and innovative investment blog that empowers investors to make the right decision. He will tell you about his $10,000 investment plan and how you can use it to avoid the worst […] The post Discover How to Avoid the Worst Mistake When Trying to Earn More Money appeared first on Reach Financial Independence.
  • 5 Simple Ways to Lower Your Housing Expenses

    Pauline
    9 Jul 2015 | 11:05 pm
    Good morning everyone! This article is contributed by Tina Roth a personal finance blogger at PROFinance blog. She is commerce graduate and form Florida, USA. She loves to write about money and finance management. To know more about her click here. Let me know if you would like to guest post on RFI..  In a recent discussion […] The post 5 Simple Ways to Lower Your Housing Expenses appeared first on Reach Financial Independence.
  • How me and my fiancee paid off $52k and saved $20k in our first 18 months out of college

    Pauline
    22 Jun 2015 | 11:05 pm
    The road to financial freedom takes a toll. It takes time, perseverance and determination (not to mention a total alignment with your partner). It doesn’t help that there are tools everywhere and the easy solutions never work. In 21 months I went from having $17,000 in the bank to $52,000 in debt and then back […] The post How me and my fiancee paid off $52k and saved $20k in our first 18 months out of college appeared first on Reach Financial Independence.
  • Why you can be a bad trader and still make money

    Pauline
    18 May 2015 | 11:05 pm
    Happy Tuesday everyone! Over at Make Money Your Way, Rolf from Tradecitey.com explains the importance of risk reward ratio and how to use it. Click here to read more.. Share this on Facebook Tweet This! Pin this to Pinterest Stumble upon something good? Share it on StumbleUpon Share this on LinkedIn Share this on Google+ Add […] The post Why you can be a bad trader and still make money appeared first on Reach Financial Independence.
  • Don’t leave your financial future to the “experts”

    Pauline
    18 May 2015 | 6:29 am
    Some things should never be entrusted to others. Choosing your home. Raising your kids. Managing your health. You’d never delegate such things to someone else and walk away, no matter how skilled the “expert” is. By Vita Nelson, Editor, Moneypaper When it comes to the really important things in life, you’ve got to do it […] The post Don’t leave your financial future to the “experts” appeared first on Reach Financial Independence.
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    Financial Freedom Inspiration

  • Employee Claims: Don’t let employers gouge your finances

    Guest Writer
    29 Jul 2015 | 10:06 pm
    By Kevin Fullerton Your employer could be the most caring person in the world. They might enter your workplace walking on a bed of rose petals with a halo over their head, but one fact will always remain – profit will always take precedence over the value of employees. Even the most balanced of bosses The post Employee Claims: Don’t let employers gouge your finances appeared first on Financial... This is a summary. Please click on the title of the blog post (blue) to continue reading this post. You can follow me on twitter at www.twitter.com/usiere and comment on the blog. I'd love to…
  • Should you borrow from yourself?

    Usiere
    28 Jul 2015 | 4:08 pm
    This may sound like a silly question. It is your money after all. You can do whatever you please with it. And that is exactly what we do – we become the bank. Without any experience in lending, we start dishing out loans, to ourselves, friends and family etc. We end up with a massive The post Should you borrow from yourself? appeared first on Financial Freedom Inspiration. This is a summary. Please click on the title of the blog post (blue) to continue reading this post. You can follow me on twitter at www.twitter.com/usiere and comment on the blog. I'd love to hear from you.
  • What you are looking for is not lost

    Usiere
    23 Jul 2015 | 3:28 pm
    We often look outside for answers anytime we face challenges. We have this inherent belief that we cannot come up with the answers by ourselves. This belief derives from the fact that as creatures of habit, we hardly think intentionally. We do what we have always done, and when it does not seem to work, The post What you are looking for is not lost appeared first on Financial Freedom Inspiration. This is a summary. Please click on the title of the blog post (blue) to continue reading this post. You can follow me on twitter at www.twitter.com/usiere and comment on the blog. I'd love to…
  • Can you delay gratification?

    Usiere
    16 Jul 2015 | 6:28 am
    Your ability to delay gratification determines the amount of control you have over your finances and many other areas of your life. Seeing and responding to what lies right in front of us comes naturally. However, that is not the whole picture. We need to learn how to look beyond our noses, step back and The post Can you delay gratification? appeared first on Financial Freedom Inspiration. This is a summary. Please click on the title of the blog post (blue) to continue reading this post. You can follow me on twitter at www.twitter.com/usiere and comment on the blog. I'd love to hear from…
  • When should you borrow money?

    Usiere
    8 Jul 2015 | 2:22 pm
    Debt can be an asset or a liability depending on whether it is good debt or bad debt. Good debt pays for itself while repayment for bad debt comes from your pocket. It is the cash flow pattern that determines good debt or bad debt, not what you spent it on. Many people make this The post When should you borrow money? appeared first on Financial Freedom Inspiration. This is a summary. Please click on the title of the blog post (blue) to continue reading this post. You can follow me on twitter at www.twitter.com/usiere and comment on the blog. I'd love to hear from you. Thanks!
 
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    MoneySmartGuides.com

  • Refinance My Car. Wait, What?

    Jon Dulin
    29 Jul 2015 | 4:19 am
    A few years ago, I was in the market for a new car. At the time I was driving a 2001 Volkswagen Golf and to say it was nearing its end of life was an understatement. The car only had about 150,000 miles on it, but there were numerous ongoing issues: There was a small oil leak from somewhere (I couldn’t figure out where) There was another small oil leak from the turbo The transmission was starting to slip The check engine light would come on because of an issue with the exhaust There were electrical gremlins – the radio and interior lights would randomly work/not work While I could…
  • Pay Off Debt or Invest?

    Jon Dulin
    27 Jul 2015 | 4:31 am
    On any given day, you can visit a random personal finance blog and I bet you will find this very question: should I pay off debt or invest in the market? The standard answer that you will find 99% of the time is if your debt is costing you more than you can earn in the market, then yes you should pay off debt. For example, let’s say you have a credit card that has an 18% interest rate. Given that 8% is a very conservative long-term return assumption for the stock market, you can see that paying off debt makes sense here. After all, why invest to earn $0.08 per dollar when you are paying…
  • The Advantages and Disadvantages of Stock Options eTrading

    Jon Dulin
    24 Jul 2015 | 4:15 am
    There’s no doubt that stock options eTrading is a fun and profitable approach to investing. Still, if you’re new to it, you’re probably concerned about the advantages and disadvantages involved. Let’s take a look at these now. Excitement This probably isn’t the most important advantage to list, but it’s worth mentioning that stock options eTrading is a lot of fun. Unlike other types of trading, you can log on, place a trade and see the results within minutes. Shorter Learning Curve Aside from making it more fun, the fact that you can realistically place 6 to 10 trades a day means…
  • Who Can Help With Your Debt

    Tahnya
    22 Jul 2015 | 4:15 am
    Happy Wednesday!! Please welcome Tahnya, who will be sharing stories with us every other Wednesday. She got herself into debt trouble and dug herself out – all while being a financial planner. Learn from her debt experience so that you don’t repeat the same mistakes she did. Be sure also to check out her site, Tahyna Kristina. If you’ve ever sat at your computer screen looking at your bank account balances thinking “How did I let it get so out of control” or if you’ve ever gone to the bank and had to decide whether to pay your electric or cable bill while waiting…
  • Cutting Monthly Expenses: Save A Ton Of Money Each Month

    Jon Dulin
    20 Jul 2015 | 4:15 am
    If you are like many Americans, you are struggling to get a handle on your monthly expenses. Many of you might even be living paycheck to paycheck. I’ve talked before about if you want to become wealthy, you need to focus on both sides of the wealth equation. Today, I am going to focus on the savings side of this equation. More specifically, I am going to talk about how to cut monthly expenses from your budget so that you can save a ton of money each month. In order to cut our monthly expenses the most, we are going to take a top down approach to cutting our monthly expenses. In other…
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    Blog.DontPayFull.com

  • 12 DIY Celebs You Should Follow On Facebook

    Oana Schneider
    30 Jul 2015 | 8:17 am
    Celebrities and DIY might sound incongruous together, but there are actually glamorous Hollywood celebs who do indulge in do-it-yourself projects. Here, we will take a look at the top twelve DIY celebs who you should follow on Facebook. We’ll also have a glimpse at why DIY has become so popular in the first place. Why has DIY Become so Popular? First, let’s take a look at a few statistics about DIY from Statista.com: In 2007, the total expenditure of disaster repair home improvement project installations was about $3.3 billion. In 2011, 17.6% of total home improvement spending was taken…
  • How To Save Money On Dinners Without Sacrificing The Quality

    Oana Schneider
    29 Jul 2015 | 6:25 am
    Everyone wants to eat well, but there’s no reason for you to blow your whole budget for weekday dinners with the family. There are many ways for you to save money and cook a great dinner at the same time. Not only are you being frugal, but you are also making your family eat healthy while avoiding food wastage all at the same time. In the next section, we will take a look at how you can save money while cooking then enjoying delicious dinner meals. Top 15 Tips to Save Money & Cook a Great Dinner Your goal is to save money, cook delicious dishes, save time, and eat healthier. Take a look…
  • 10 Awesome Back To School Items That You Will Love

    Oana Schneider
    29 Jul 2015 | 6:18 am
    A few more weeks and then school will start again. If you are a parent worried about how your child will do in school this year, there are a few items you can purchase in order to put your mind at ease and also to help your little one cope with early mornings and a different daily routine. Most people think that buying gadgets for their kids is a bad idea, when the truth is that we can’t stop technology, all we can do is keep up with it. Don’t be afraid to buy a smart item for your kids as long as it’s useful. That being said, here are 10 back to school items that you’ll fall in love…
  • 15 Vacation Ideas That Don’t Involve The Beach

    Oana Schneider
    28 Jul 2015 | 12:44 am
    A lot of people absolutely adore being near the ocean, while others cannot be bothered with sand in their swimsuits or dealing with the crowd by the beach. Others might have already had their fill of the beach life last summer so they are looking for new vacation ideas. Whichever of these two categories you fall under, the good news is that there are plenty of alternatives to a beach vacation that will give you as grand a time. 15 Alternatives to a Beach Vacation What are the best alternatives to a beach vacation? Take a look at the following list: 1. A city getaway If you live far or outside…
  • 10 Board Games To Play with Your Friends And Family

    Oana Schneider
    27 Jul 2015 | 5:14 am
    Playing board games is an excellent way to pass the time. If you’re playing with friends, the games will bring out the competitive spirit in each one of you. You will all learn who the sore losers are, which ones are ultra-competitive, and which one among your friends can take a good ribbing. When playing with your family, the activity serves as great bonding time. This is especially true if you have young kids. The good news is that there are many board games which are suitable for both young children and adults, so you can all play together and have the time of your lives. Benefits of…
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    MyBankTracker

  • College Grads: 3 Tenacious Bank Accounts for the Next Decade of Your Life

    Simon Zhen
    21 Jul 2015 | 11:00 am
    Congratulations young graduate! You must be very excited to embark on the next stage in life: adulthood. Your finances, including student loan debt, income and savings should be major concerns. Up until now, you probably didn’t choose your own bank accounts — your existing accounts were probably recommended by friends and family. Since your lifestyle and finances will change, it’s important that you have the right mix of accounts. It’s also important to change your mindset when it comes to money. So we’re busting some money myths that some college kids can’t…
  • You Don’t Have to Switch Banks to Get a Better Checking Account

    Simon Zhen
    16 Jul 2015 | 10:20 am
    Story highlights: – How to get a better checking account without having to switch banks – The best checking accounts, none of which have monthly fees No one ever said that you can’t have different checking accounts for different purposes. Photo: Shutterstock Has switching banks been on your to-do list, but you’re just too lazy to get it done? There are thousands of banks to choose from, and it’s easy to get overwhelmed. Despite what you may think, you can get a better checking account, without having to actually change banks. A recent MyBankTracker survey showed…
  • Addicted to Your Smartphone? Stop Making These Dangerous Mobile Banking Mistakes

    Rebecca Lake
    15 Jul 2015 | 2:00 am
    Mobile banking is the latest thing consumers are becoming addicted to, with more than half of users logging in at least 2 to 3 times a week. If you’re hooked on using your smartphone to make transfers, check your balances or schedule bill payments, you could be putting your banking information at risk without even realizing it. Here are the worst mobile banking mistakes hardcore users should avoid.  Nearly 40 percent of cellphone owners use mobile banking services to manage their accounts. Image via Flickr Mobile banking over public Wi-Fi Using public Wi-Fi to log in to your…
  • Interest Rates for Federal Student Loans to Go Down: Time to Move Out of Your Parents’ House

    Rebecca Lake
    14 Jul 2015 | 2:00 am
    The Department of Education recently announced that interest rates for federal loans are going to be lower for the 2015-16 academic year. If you’re planning on borrowing money to cover your college costs, the lower rates are a positive in more ways than one. Not only will they make your education debt less expensive, but if you’re still relying on your parents financially, you may be in a better position to cut the purse strings for good. Here’s a look at what the new rates are and how you can make the most of the potential savings if you’re tired of relying on the…
  • Big Credit Card Mistakes You’re Making, Even If You Think You’re an Expert

    Rebecca Lake
    13 Jul 2015 | 2:00 am
    A new survey from Discover is showed that 2,000 financially responsible consumers age 18 to 32, basically failed when it came to their knowledge of credit cards. The following mistakes were the biggest and most costly takeaways from the survey. So, even if you claim to be an expert, take a look to see if you’re making the same mistakes, and how your knowledge compares.  Flickr |…
 
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    NerdWallet Credit Card Blog » Cities

  • Best Small Cities for Working Parents

    Sreekar Jasthi
    14 Jul 2015 | 5:00 am
    Being a parent is a job in itself, which means that most married Americans with children are essentially working two jobs. In fact, 63% of families with children have two parents in the labor force, according to the U.S. Census Bureau’s American Community Survey. When raising a family, working parents consider a variety of factors — such as their income potential, affordability, child care costs, quality of schools and the community. Since all of these are heavily dependent on where they live, NerdWallet analyzed nearly 1,000 places across the U.S. with populations from 25,000 to 100,000…
  • Healthiest Cities in Washington

    Jonathan Todd
    13 Jul 2015 | 5:00 am
    When it comes to living an active lifestyle, Washington has all the bases covered — on land and water. You can jog at Seattle’s Gas Works Park, climb to the top of Mount Rainier or kayak around the San Juan Islands. Of course, these aren’t the only ways residents of the Evergreen State stay fit. The percentage of commuters hopping on bikes is double the national average, and those using public transit ranks as the seventh highest in the nation. So in health-conscious Washington, which cities stand out as the healthiest? To find the locations that are best for your well-being,…
  • Healthiest Cities in Oregon

    Jonathan Todd
    6 Jul 2015 | 5:00 am
    To get a sense of just how healthy the residents of Oregon are, take a walk around Portland on any day. Rain or shine, cyclists and runners can be found on the streets and trails. Add to that the abundance of restaurants that serve only locally grown, fresh ingredients from organic farms, and you can understand why the statewide obesity rate is below the national average. Of course, it’s not just Portland. The state’s natural beauty — at places such as Crater Lake National Park and Multnomah Falls — encourages people to venture outside and explore from the coast to the mountains.
  • Which MLB, NBA, NFL Teams Are the Most Cost-Efficient With Payrolls?

    Sreekar Jasthi
    6 Jul 2015 | 5:00 am
    It’s no secret that professional sports teams spend staggering amounts of money on their players. When added all together, the roster payrolls for franchises in the NFL, NBA and MLB total almost $113 billion since 2000. But not all franchises use their money in the most cost-efficient way. The best teams in sports over the past decade and a half, such as the Patriots and Spurs, have been known to get the most bang for their buck. NerdWallet analyzed win-loss records and payroll data since 2000 to figure out which teams in Major League Baseball, the National Basketball Association and the…
  • Best School Districts for Your Buck in Southern California

    Kamran Rosen
    29 Jun 2015 | 5:00 am
    Methodology City Summaries Full Rankings Learn More About Home Buying Some of the best school districts in the nation are found in sunny Southern California. Here students are challenged by rigorous coursework, compete in athletic and academic events and create outstanding performances and visual art. The students in these districts also have high rates of graduation and enrollment in postsecondary education. But Southern California is one of the priciest places to live: In Orange County, the median housing price is upward of $700,000, according to the California Association of Realtors. As…
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    Quit Your Day Job 101 » Quit Your Day Job 101

  • Recent buy : Omega healthcare (OHI) and WPCarey (WPC)

    Allan
    23 Jul 2015 | 12:58 pm
    Again, I’m really short on time but I just wanted to post my recent buy. Since those titles have been hit pretty hard recently by the recent market conditions and global uncertainty, their yield was pretty high (over 6%) and both have a good track record of dividend growth. My portfolio has been updated to reflect my purchase. The post Recent buy : Omega healthcare (OHI) and WPCarey (WPC) appeared first on Quit Your Day Job 101.
  • Recent buy and a new addition to my freedom portfolio : Donaldson

    Allan
    14 Jul 2015 | 4:33 pm
    I’m a bit in a hurry but wanted to share with you guys my recent buy. Today I bought 35 shares of Donaldson for 34,31$ with a yield of roughly 2%. This adds 23,80$ to my forward dividend income. The initial yield is low but as usual there is always a tradeoff between initial yield and dividend growth. Over the past ten years, Donaldson has raised its dividend by 18,9% per year on average and over the last 5 years by 22,5%. They recently announced a plan to buyback 10% of their outstanding shares and increase to payout maximal payout ratio to 45%. As such, I expect the dividend growth to…
  • Recent buy : Emerson electric Co at 53,89$!

    Allan
    10 Jul 2015 | 2:41 pm
    Finally!! I was waiting for an 8000$ CAN transfer to buy stocks. It took forever but it’s finally been credited today in my brokerage account. There’s a lot of volatility in the market right now and hence a lot of opportunities too. I’ve got many stocks on my mind but they did not react equally to the recent volatility. Anyway I was craving to make a purchase and I couldn’t resist adding to my recent EMR purchase. They recently announced the spinoff of a lagging business they own to turn themselves to better growth opportunities. Uncertainty always brings opportunities…
  • June 2015 : passive income update. Another solid month!

    Allan
    1 Jul 2015 | 7:22 am
    As a dividend growth investor seeking early retirement, I must keep track of my monthly progresses to make sure that they are in line with my expectations. For my 45th birthday (or for 2026), I want to be able to be free from the rst race. For that, I will need my house to be fully paid by 2020. I will also need 15,000$/year in growing dividend income and 15,000$/year in online passive income. It’s will be a long but fun journey! I’ve been into it for almost two years already and I can tell you that I’m proud of what I have achieved. From being an endebted guy with more than…
  • At the pursuit of happiness : here’s my first telescope!

    Allan
    29 Jun 2015 | 5:48 am
    I just finished assembling that 8″ dobsonian telescope with which I’ll be able to see planets of our solar system, but also deep space stellar objects like galaxies, clusters or nebulas. I’m realizing one of my childhood’s dream! In fact, to be honest my dream was also to build it with my hands but since it would have cost me more and that I don’t really have time for that right now (and haven’t found that time over the past 15 years) I thought that buying it would be a great way to stop postponing a project I had since so long. It’s a huge expense…
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    Credit Card Insider » InsiderCredit Card Insider

  • Q&A Video: When Will My Credit Card Be Closed For Inactivity?

    John Ulzheimer
    30 Jul 2015 | 6:48 am
    If you use your credit cards responsibly and make purchases at least once every few months, your credit cards should usually stay open indefinitely. But, if you don’t use your cards for an extended period of time then banks don’t have an incentive to keep them open, and will probably eventually close them. Use your […] The post Q&A Video: When Will My Credit Card Be Closed For Inactivity? appeared first on Credit Card Insider.
  • Q&A Video: How Do I Know If I’ll Earn Rewards Points On This Purchase?

    John Ulzheimer
    29 Jul 2015 | 5:52 am
    How do you know how many points you’ll earn for a particular credit card purchase? Most rewards credit cards offer 1 point for general spending, but often more for purchases in categories like gas stations and grocery stores. Credit card issuers assign retailers with what are called “merchant category codes,” which will be used to […] The post Q&A Video: How Do I Know If I’ll Earn Rewards Points On This Purchase? appeared first on Credit Card Insider.
  • Q&A Video: What Happens When My Discontinued Credit Card Expires?

    John Ulzheimer
    28 Jul 2015 | 7:56 am
    It’s rare, but in some cases credit card issuers will discontinue a particular credit card. If this happens to you, there could be several different outcomes. You may receive a new, similar card, which will continue the previous account you had open; in other cases, you could end up with a brand new account, which […] The post Q&A Video: What Happens When My Discontinued Credit Card Expires? appeared first on Credit Card Insider.
  • Adverse Actions That Credit Card Issuers Can Take

    John Ulzheimer
    27 Jul 2015 | 7:25 am
    Card Issuers Must Send Notices Of Adverse Action If you apply for credit and are denied because of the information in your credit reports, including your credit score, then the lender is required to provide you with notice of adverse action. The term “adverse action” is a legal term that can be found in the […] The post Adverse Actions That Credit Card Issuers Can Take appeared first on Credit Card Insider.
  • Q&A Video – How Do I Get Rid Of A Penalty APR?

    John Ulzheimer
    24 Jul 2015 | 9:40 am
    Most credit cards come with what is called a penalty APR. This is a higher-than-average interest rate that credit card issuers may impose if you show certain irresponsible behavior, like making late or returned payments, or going over your credit limit. You do have some options if you’re stuck with a penalty APR, like requesting […] The post Q&A Video – How Do I Get Rid Of A Penalty APR? appeared first on Credit Card Insider.
 
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    goday.ca

  • How You Can Use Your Payday Loan

    GoDay.ca Blog Team
    24 Jul 2015 | 9:00 am
    A while back, we suggested that payday loans can be used to save you money in certain circumstances, like with incredible discounted deals that have a time limit, or huge sales on travel tickets. But, these are generally limited opportunities with a very specific time frame. While payday loans are… Continue reading
  • Bad Spending Habits You Need To Break – Part 1

    GoDay.ca Blog Team
    22 Jul 2015 | 11:00 am
    Late last year, we published an infographic to help you identify “spending problems” that may have creeped (or full-on barged) their way into your financial life. They ranged from the small and insidious “urge to buy” to the completely debilitating fear of needing to “keep up with the Jones'”. Hopefully,… Continue reading
  • What Is The Payday Loan Cooling-Off Period?

    GoDay.ca Blog Team
    15 Jul 2015 | 3:08 pm
      “Can I cancel my payday loan” is a question we get every-so-often, and the best general answer is “it depends”. Cancellations are certainly a right of a payday loan customer, but there are rules and regulations that apply to that right to cancel. ONTARIO The Ontario Payday Loan Act stipulates… Continue reading
  • Am I Eligible For A Payday Loan?

    GoDay.ca Blog Team
    10 Jul 2015 | 6:00 am
      The requirements for receiving a payday loan vary from company-to-company. Some don’t check your credit, others may do what is called a “soft inquiry” as part of their loan underwriting process. If your credit rating is a sensitive spot for you, rest assured that one soft hit will not… Continue reading
  • Payday Loans And Late Payments

    GoDay.ca Blog Team
    8 Jul 2015 | 6:00 am
    If your payday loan isn’t repaid on time, it can affect you negatively both in the short term and in the long term. Before you sign any loan agreement, consider whether or not you will be in the right financial position to repay the loan and fees on your next pay… Continue reading
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    MoneyMiniBlog

  • Financial Statistics That’ll Shock You [Infographic]

    Kalen Bruce
    27 Jul 2015 | 3:00 am
    So we just got back from vacation and we completely failed…in a good way! We budgeted $1,000 for this week-long trip and only managed to spend around $600. And I was really trying to spend the money! It turns out, we’re really bad at spending money. Frugality is a good thing, but I was slightly surprised at how much we consistently negotiated, sought out coupons/discounts and found ways around spending money. Not on purpose…it just came natural. We had an awesome trip and didn’t sacrifice a thing, but the trip got me thinking… How do we compare to the average…
  • Get Out of Debt Without Discipline [Video]

    Kalen Bruce
    20 Jul 2015 | 3:00 am
    Here is my recent interview with Life Hacks magazine. Life Hacks is a free magazine that you can download on your iPhone or iPad. You can get the magazine here (my issue is the fourth free one). A Few Key Points for Skimming [4:26] Meet the expert who can help you get control of your finances and your life [6:16] Kalen’s #1 suggestion to get out of debt – for good [7:22] What is Debt Snowball? [8:28] What is Debt Avalanche? [9:58] A multi-millionaire’s secret that everyone can do [10:51] The Excuse everybody tell themselves why they can’t build wealth, and why…
  • 3 Apps and Tech for Organizing Your Life

    Contributor
    17 Jul 2015 | 3:00 am
    It’s time to get organized. Then again, when is it not? We often wait till the new year to make a resolution about getting organized. The winter laughs at our hubris. Springtime rolls around with its offer of spring cleaning. But what we actually take is a spring break. It’s common for nothing of value to really get done in the summer. And we are back to school in the fall. What this tells us is there is no such thing as a convenient time to get organized. Experience has also taught us that getting organized is a process that requires constant maintenance. It is not an event that is…
  • Master This One Thing and Watch Your Productivity Skyrocket

    Kalen Bruce
    16 Jul 2015 | 3:47 am
    I usually don’t title articles the way I’ve titled this one. I don’t like the idea of click-bait articles with titles like “This puppy saved his life and you won’t believe what the man did to repay him” or “She thought it was a normal tater tot, but she was in for the surprise of her life”. I don’t like to be deceitful, so you won’t see those titles here. But this is different. I didn’t include the main idea in the article title for a reason. This is literally one of the most important things you can grasp about your…
  • 6 Things I Learned by Not Spending Money for 30 Days

    Kalen Bruce
    13 Jul 2015 | 3:00 am
    I love challenges. Especially when there is seemingly no reason to start them. That’s exactly what my wife and I just did. A challenge. The challenge? To not spend money for 30 days. No reason, really. Just for fun. And yes, believe it or not, it actually was fun. Here are the results… The Terms If you’re wondering, yes we paid our bills. This is not about to be a story of how we are now drowning in late fees because we decided to skip necessary payments. Here are the things we still paid for: Tithe and giving Housing and utilities Investments and savings Two tanks of gas…
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    Everything Finance

  • Using Credit Builder Loans to Improve Your Credit Score

    Megan Harris
    30 Jul 2015 | 2:30 am
    Using Credit Builder Loans to Improve Your Credit Score is a post originally published on: Everything Finance - Everything Finance - Its all about Money! Building your credit can be an important financial step if you’re looking to buy a home, finance a car, or obtain better interest rates for a cheaper loan. However, not everyone wants to use credit cards (and not everyone is eligible for a credit card) to build their credit. This is where credit building loans come into play! Credit building loans are exactly what they sound like: they help you build your credit as you pay the loan down.
  • Should You Use Student Loans for Graduate School?

    Kirsten Indebted
    29 Jul 2015 | 2:30 am
    Should You Use Student Loans for Graduate School? is a post originally published on: Everything Finance - Everything Finance - Its all about Money! If you’re considering getting a graduate degree, chances are you’ve considered paying for at least some of it with student loans. Have you asked yourself using loans is wise? The first step to answering the question is examining whether you really need a graduate degree at all. If you don’t require the graduate degree for your career, then you’d be going into debt for a want. You’d be hard-pressed to find a financial…
  • 5 Ways to Save Thousands on Your Wedding

    Erika Torres
    28 Jul 2015 | 2:30 am
    5 Ways to Save Thousands on Your Wedding is a post originally published on: Everything Finance - Everything Finance - Its all about Money! Once the excitement of becoming newly engaged fades away, the reality of the high cost of weddings can begin to sink in and replace your excitement with fear. Wedding costs are no joke. The average cost of a wedding is as high as $28,400 by some estimates, and close to $26,400 by another, according to CNBC. But the average cost doesn’t have to be how much your wedding costs. Even engaged couples who are frugal can have a beautiful and cost-efficient…
  • Don’t Make These 12 Mistakes When Buying a Home

    Robin McDaniel
    27 Jul 2015 | 2:30 am
    Don’t Make These 12 Mistakes When Buying a Home is a post originally published on: Everything Finance - Everything Finance - Its all about Money! Whether it’s your first home purchase or your fifth, buying a new home can be an exhausting process. There are so many bases to cover, it’s almost too easy to make missteps along the way. As a homeowner and a former mortgage banker, I’ve made my own home buying mistakes and seen countless other buyers do the same. If you do a little research ahead of time and create a personal checklist, you can avoid making these…
  • 5 Savings Accounts Everyone Needs to Reach Their Financial Goals: Part 2

    Ashley Eneriz
    23 Jul 2015 | 2:30 am
    5 Savings Accounts Everyone Needs to Reach Their Financial Goals: Part 2 is a post originally published on: Everything Finance - Everything Finance - Its all about Money! Last week, I talked about how essential it is to have an emergency savings account, as well as a retirement savings account. Why have so many accounts? It’s easier to set goals for each category and see your progress when your savings are in different accounts. For example, if you have a personal savings account that’s dedicated to your emergency savings, your kids’ college fund, and your vacation fund, you…
 
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    Finance Girl

  • 4 Investment Tips For 21st Century Savers

    Julie
    29 Jul 2015 | 11:33 pm
    Photo credit: flickr.com If you care about your finances then it is important that you also care about investing. Ok, so it may not be the most exciting topic, but savvy investors can leverage their savings to make more money. And ultimately, the better you invest, the better off you will be. That may mean you pay off your mortgage early, that you can retire sooner or just that you are that much more financially secure. Whatever your goals, here are a few handy tips for modern investors who want to grow their money! Maximise your ISA allowance You know what an ISA is right? Well the great…
  • Why is Mayfair’s population changing?

    Julie
    21 Jul 2015 | 4:36 am
    Photo credit: flickr.com Mayfair is one of central London’s most well-known areas, as well as one of the most expensive in the country. But, much like the rest of the city’s fast-paced property market, things are changing. An increasingly younger and more cosmopolitan population is transforming the area, in contrast to previous years, when a larger proportion of residents from the older generations were the norm. If you’re thinking of investing, then it’s wise to pay attention to what the demands are, now and in the future. To help make sense of what’s happening, Mayfair-based…
  • 5 ways to make money from your mobile

    Julie
    13 Jul 2015 | 6:43 am
    Photo credit: flickr.com It is about time you find legitimate ways to monetize your smart phone addiction. We spend too much time on our cell phones. In fact, the average person spends 1-2 hours, each day, on the phone. You can earn a second paycheck using android and I phone mobile apps. A number of apps will pay you cash in exchange for doing everything ranging from watching videos, uploading photos, participating in surveys, and even completing your daily workout.  Other apps will help you sell your home, book a cheap movie ticket or get news alerts. You can make your phone to work for…
  • Five tips to reduce unwanted debt

    Julie
    9 Jul 2015 | 5:21 am
    Photo credit: flickr.com Living with unwanted debts is a daily worry for many people. In fact, figures suggest that the problem is growing once again, with the average UK household expected to be facing £10,000 worth of debt by the end of next year. There is no overnight fix, and in most cases the biggest step to getting on the road to a debt free life is simply identifying and breaking bad spending habits. With that in mind, here are some tips that could help to kick-start the process. Monitor and plan It may not sound like the most exciting prospect but by monitoring every bit of money…
  • What are residential bridging loans?

    Julie
    26 Jun 2015 | 1:36 am
    Photo credit: home-designing.com/ Our quick guide to what you need to know about bridging loans and alternative finance options for buying or refurbishing residential property. The bridging loan sector in the UK is going from strength-to-strength and has grown by 35% in the past year to May. One reason for the popularity of bridging loans, or alternative finance as some call it, is that mainstream lenders still have restrictive lending criteria which is forcing an increasing number of borrowers to look elsewhere for their financing needs. This means that many people, from those wanting to buy…
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    Innovative Advisory Group

  • 10 self directed IRA tips to help real estate investors maximize profits

    Kirk Chisholm
    30 Jul 2015 | 7:20 am
    10 self directed IRA tips to help real estate investors maximize profits     “Self Directed IRAs are one of the best laws the US government has ever passed” Can I invest in real estate with my Self-Directed IRA? “Self Directed IRAs are one of the best laws the US government has ever passed”, an investor once told me. It is hard to argue that point. In 1974, congress passed the Employee Retirement Income Security Act, often referred to as ERISA, enabling US taxpayers to save money for their retirement in a tax deferred manner. The best part of this program (outside of the…
  • Inflation Monitor – July 2015

    Kirk Chisholm
    23 Jul 2015 | 7:05 am
    Inflation Monitor – July 2015 Inflation Monitor Summary - Composite Ranking * The Inflation Equilibrium is a quick summary for the whole data series of the inflation monitor. If you don't like statistics, this is the chart for you.   Inflation Monitor - Jul