Personal Finance

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  • Retiring: Nearing Retirement? It’s Time to Be Creative

    NYT > Your Money
    HARRIET EDLESON
    3 Jul 2015 | 12:34 pm
    No matter how much money you have saved, the first step is to face your financial situation candidly and plan from there. There may still be time to fix things.
  • Scraping By On $500,000 A Year: Why It’s So Hard For High Income Earners To Escape The Rat Race

    Financial Samurai
    Financial Samurai
    29 Jun 2015 | 3:28 pm
    Help! I’m drowning from all my money! I’ve highlighted in a previous article how living off $200,000 a year in an expensive city is really just an average lifestyle. In this article, I’ll discuss how one couple is living paycheck to paycheck while making a combined $500,000 a year. $500,000 a year is a level which I think is considered rich. Anybody who thinks otherwise has no concept of financial reality. Even the government almost agrees after compromising by raising the income level for when the highest marginal tax bracket kicks in to ~$400,000 from $200,000.
  • 10 most expensive colleges

    Personal finance news - CNNMoney.com
    2 Jul 2015 | 3:31 pm
    The most expensive schools in the nation are charging close to $50,000 a year in tuition and fees alone.
  • 6 Summer Party Ideas That Won't Break the Bank

    Wise Bread
    Laurel Randolph
    3 Jul 2015 | 6:00 am
    Summer is the ideal time for get-togethers. On top of holidays like Memorial Day, 4th of July, or Labor Day, we also enjoy regular weekend grill-outs, birthdays, and pool parties. It's a whole lot of fun, and throwing your own shindig can be very rewarding. The only problem is the cost —...
  • Here’s where to stash your cash while waiting for the Fed to finally raise interest rates, probably this fall

    Bargaineering
    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
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    I Will Teach You To Be Rich

  • How to deal with rejection

    Jorge Selva
    3 Jul 2015 | 5:00 am
    Rejection sucks. It feels lousy to put yourself out there just to be crushed. When I was in college, I decided to teach a free class about personal finance and invited everyone I knew. No one showed up. An empty room.   That rejection stuck with me for years. I was afraid to throw events even after I wrote a New York Times best-selling book and had hundreds of thousands of readers. But over the years I’ve learned to overcome those fears — and even love rejection. Today I’m going to show you how with my 3 steps for dealing with rejection. Step 1: Let rejection excite you…
  • The news from IWT: June 2015

    Ramit Sethi
    1 Jul 2015 | 7:12 am
    Another busy month here at IWT I kicked things off with a little downtime. I took a vacation in Puerto Rico, where this was my view for a few days: My view for the next few days A photo posted by Ramit Sethi (@ramit) on May 26, 2015 at 8:19am PDT   When I was there, I hiked to a waterfall. Once I made it, I high-fived with my group since it was a pretty tough hike. Then…we saw a 70-year-old grandmother who’d carried her 1-MONTH-OLD GRANDSON on the same trail. Now, I’m officially retired from hiking. We hiked to a waterfall yesterday. Once we got there, we high-fived each other…
  • Today is my birthday. Wisdom from 33-year-old Ramit

    Ramit Sethi
    30 Jun 2015 | 8:00 am
    Today is my 33rd birthday and I’d like to celebrate myself. This year, my greatest accomplishment was not the tens of thousands of new students, or flying our entire team to Vegas for an awesome retreat, or launching an Instagram page where I post nutty emails from readers. No. It was getting accused of using steroids. For a guy who used to weigh 127lbs, I’ve never felt so proud. This is the best moment of my life. This random redditor accuses me of using steroids (PEDs = performance-enhancing drugs) because of how I look. It hurt my feelings so much I started crying at the gym   I…
  • The Ultimate Guide to Personal Finance

    Ramit Sethi
    29 Jun 2015 | 7:48 am
    One of my goals at IWT is to make my free material better than anyone else’s paid material. However, for those of you who are new to IWT — or even if you’ve been following along — you might not have seen ALL the free material I released years ago. But that doesn’t mean you can’t get tons of value from it. So, I thought, why not revisit my personal finance systems and give away a HUGE update with even more money management tips  — as a free gift to you? That’s just what I did. And I’m releasing it to you in this new massive ultimate guide on personal…
  • How to deal with stress

    Ramit Sethi
    25 Jun 2015 | 8:36 am
    These are actual tips I found online for how to reduce stress: Walk in the rain Tell someone to have a good day in Latin Throw a paper airplane Goodbye stress! Are you kidding me? Is this what passes for advice these days? If we’re going to get a handle on stress we need more than superficial tactics or silly ideas. We’ve got to get to the root of the problem — our own inner psychology. Once we do that, then we can eliminate our stress — and stop it from ever popping up again. If you’re tired of worthless advice and want a practical system for eliminating stress, here are…
 
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    Get Rich Slowly - Personal Finance That Makes Sense.

  • How much do you spend on fireworks?

    Holly Johnson
    3 Jul 2015 | 4:00 am
    This article is by staff writer Holly Johnson. A few weeks ago, I received a flyer from a fireworks store that made me shake my head. “Spend $400 in one purchase and earn 40% off for the rest of the season,” it read. “What a bargain,” I thought as I flung it toward the recycling bin. I mean, does anyone really spend $400 at the fireworks store? Then I remembered that, yes, many people do. Not only are most of my neighbors fireworks fanatics, but dozens of people I know do it every year, including people in my own family. My uncle, for example, has been known to buy…
  • The good side of quitting

    Richard Barrington
    30 Jun 2015 | 4:00 am
    This article is by staff writer Richard Barrington. Does quitting have a bad rap? When it comes to the job market, quitting is happening more these days than at any time in the past several years. We tend to associate quitting with giving up or giving in, so you may be surprised to learn that economists are very happy when people quit. This might be a good time to consider why economists like it when you quit your job, and how you can make quitting work for you. Why economists like it when you quit The Bureau of Labor Statistics measures the rate at which people quit their jobs, and lately…
  • Ideas for a cheap vacation

    William Cowie
    29 Jun 2015 | 4:00 am
    This article is by staff writer William Cowie. It’s been a long time since my wife and I had the luxury of thinking in terms of vacation. When we came to America more than 30 years ago, we also discovered two things: People in America work very hard, probably harder than anywhere else in the world. Two weeks’ vacation seems to be the norm here, while in Europe and the rest of the world anything less than a month is inhuman, insane, or both. (I am not convinced they’re wrong, by the way.) With all our family on other continents, we needed to spend those two precious little…
  • How do you establish the value proposition for personal growth?

    Ryan Takach
    26 Jun 2015 | 4:00 am
    This article is by staff writer Ryan Takach. I spend a lot of time working toward my financial goals, but lately I’ve been thinking about personal growth. I’m at an inflection point in my financial plan. I don’t run any debt balances. I feel I’m saving enough and making smart investments. I believe I can afford to shift some focus to other interests. I started reading more by checking books out from the library. I also started exercising on a regular basis, which was difficult to do at first but eventually became an activity that I crave. There are so many other things…
  • How we saved big with a balance transfer

    Holly Johnson
    25 Jun 2015 | 4:00 am
    This article is by staff writer Holly Johnson. When my husband and I started dating in 2004, he moved across the country to go back to school and live closer to me. Yep, much to our surprise {insert sarcasm here}, his bachelor’s degree in theater arts hadn’t helped him land his dream job. Therefore, he decided to do something different instead and chose to pursue a bachelor’s degree in mortuary science. As it is with any life-changing decision, this move had financial consequences. Still, leaving Chicago was mostly a good thing. Not only would he have a chance at a more…
 
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    Forbes - Personal Finance

  • Fourth of July REITs To Help You Sleep Well At Night

    Brad Thomas
    4 Jul 2015 | 4:00 am
    It takes a real superstar to be included in the SWAN club, and to even qualify for my prestigious ranking system a REIT must have demonstrated a long-term track record for paying and increasing dividends.
  • 9 Inspiring Stories of Ultimate Financial Freedom

    LearnVest
    3 Jul 2015 | 8:35 am
    In honor of July 4th, we're celebrating people who've taken control and achieved financial freedom. Here are their stories.
  • Social Security Q&A: Why Can't I Access My Taxed Earnings Record?

    Laurence Kotlikoff
    3 Jul 2015 | 5:00 am
    Social Security assumes no economy-wide wage growth or inflation going forward to ensure people don’t compare their likely future benefit to their current earnings, which for most people will be lower than their earnings at age 60 (i.e., immediately prior to retirement).
  • Financial Independence Day For Millennials

    Neale Godfrey
    3 Jul 2015 | 4:42 am
    When it comes to their financial lives, Millennials show a sharp contrast to Baby Boomers. These differences may be stark, but Baby Boomers can play a significant role in guiding their Millennial children and grandchildren on a path towards financial independence. With new financial pressures abound, what better way to celebrate Independence Day than to relieve the economic restraints that hold Millennials back every day?
  • Five Money Questions You Should Ask Your Parents

    John Wasik
    2 Jul 2015 | 8:05 pm
    You may need to change the conversation with your parents on money matters. Here are five questions you should be asking.
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    Yahoo News - Latest News & Headlines

  • Tentative agreement on Iran sanctions relief

    4 Jul 2015 | 6:22 am
    World powers and Iran have reached tentative agreement on sanctions relief for the Islamic Republic, among the most contentious issues in a long-term nuclear agreement that negotiators hope to clinch over the next several days, diplomats told The Associated Press on Saturday.
  • Tunisia's president declares state of emergency after hotel attack

    4 Jul 2015 | 8:16 am
    By Tarek Amara TUNIS (Reuters) - Tunisian President Beji Caid Essebsi declared a state of emergency on Saturday to give his government more powers following an Islamic militant attack on a beach hotel, where 38 foreign tourists, mostly Britons, were killed. Tunisia's emergency law temporarily gives the government more executive flexibility, hands the army and police more authority, and restricts certain rights such as the right to public assembly. The attack on the Sousse beach resort last Friday followed a gun attack on the Bardo museum in Tunis in March - two of the worst militant…
  • July Fourth brings worries over security, sharks, wildfires

    4 Jul 2015 | 8:27 am
    The public is asked to remain vigilant for possible threats following recent calls for violence by Islamic State leaders.
  • Yes or no? What Greece's landmark vote might bring

    3 Jul 2015 | 11:10 am
    LONDON (AP) — On his 10-year trip home, the Greek hero Odysseus at one point had to steer his ship and crew down a narrow stretch of water menaced on opposite sides by two sea monsters, Scylla and Charybdis.
  • Clinton warns Iran nuclear deal won’t solve threat

    31 Dec 1969 | 4:00 pm
    The Democratic presidential candidate tells voters that Tehran is still "the world’s chief sponsor of terrorism."
 
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    My Money Blog

  • Global Asset Allocation Book Review: Comparing 12+ Expert Model Portfolios

    Jonathan Ping
    2 Jul 2015 | 12:53 pm
    (Update: The kindle version of this book is free for a very limited-time. So are two other books Global Value and Shareholder Yield (my review). Supposedly it ends Friday, but not sure if that means Friday morning or night. ) I am a regular reader of Meb Faber’s online writings, and volunteered to received a free review copy of his new book Global Asset Allocation: A Survey of the World’s Top Asset Allocation Strategies. It is a rather short book and would probably be around 100 pages if printed, but it condensed a lot of information into that small package. First off, you are…
  • TopCashBack: Shopping Portal That Promises Highest Payout

    Jonathan Ping
    2 Jul 2015 | 12:41 pm
    Update: There is a limited-time offer for new customers that gets you $9.90 cash back from Wal-Mart when you buy a 138 fl oz bottle of Tide liquid laundry detergent for $8.97 with free in-store pickup. Ends 7/8/15. Visit Walmart through TopCashback, purchase a jumbo 138 fl oz bottle of Tide ‘Clean & Fresh’ (either in ‘Daybreak Fresh’ or ‘Freshing Breeze’ scent) or ‘Clean & Sensitive’ (in ‘Cool Cotton’ scent) liquid laundry detergent priced at $8.97 and within seven days $9.90 cashback will have posted in your TopCashback…
  • Snagshout: Discounted Amazon Products In Exchange For Honest Reviews

    Jonathan Ping
    2 Jul 2015 | 1:28 am
    If you’re like most Amazon shoppers, you don’t like buying anything unless it has a lot of positive 4 and 5 star reviews. But that makes it really hard for new brands and products to gain traction. Good ole’ capitalism has created a new breed of websites that offer limited amounts of heavily discounted products in exchange for honest reviews. Here’s how most of them work: You are given a special discount code that lets you purchase a product at a steep discount, for example a $20 value product for $1 or $2. Most of these products will work with Amazon Prime, so that…
  • Current Amex Special Offers: Target, Wal-Mart, BJ’s Warehouse, iTunes (Targeted)

    Jonathan Ping
    1 Jul 2015 | 12:56 am
    Updated 7/1/15. American Express cardholders can participate in “AmEx Offers” which offer discounts to various merchants. These promotions often offer the opportunity for easy savings without changing your spending habits. Sometimes I just buy a gift card if I go the store regularly. Right now, there are some good targeted offers which you may or may not find in your account, but it is worth checking: Target and Walmart. Spend $100+, Get $30 Back. Up to 5x. In-store only. Ends 7/31/15. I was surprised to see this in my account; I usually don’t get the good offers anymore.
  • My One-Page Financial Plan: Why Is Money Important To Me?

    Jonathan Ping
    29 Jun 2015 | 11:00 pm
    I’ve already shared two nuggets from the book The One-Page Financial Plan by Carl Richards – the importance of getting started and the true value of a human advisor. But what about the title itself? Before even reading the book, I was impatient and tried to make a one-page financial plan but it didn’t sound right. Even after reading it all the way through, I got a bit lost as besides “one-page plans”, it also tried to cover other big topics like budgeting, investing, and insurance. It took a few re-reads before things finally settled down in my mind. Here are the…
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    The Simple Dollar The Simple Dollar

  • Great at Planning, Terrible at Executing: Ten Strategies for Becoming a Doer

    Trent Hamm
    4 Jul 2015 | 7:00 am
    Most people are pretty good at coming up with ideas for the future, and many of us are pretty good at developing plans to achieve those things. I know I certainly am. If you were to take a look at my pocket notebook, many of the things in there are ideas for things I want to do followed by a page or two of details on how I could do it. In just the last ten or twelve pages of my pocket notebook, I have plans for a novel, a nonfiction book, a video series about board games, a complete revamp of my home beer making process, an exercise routine, and an improved DIY home security system. Will I…
  • Half of Americans Can’t Handle a Small Emergency. Here’s What to Do If You’re in That Group.

    Trent Hamm
    3 Jul 2015 | 7:00 am
    I was stunned earlier this week to read in the Report of Economic Well Being of US Households in 2014 that 47% of Americans would experience significant financial distress – taking out debt or selling something – in order to be able to handle a $400 emergency. The survey that the report was based on, taken in October 2014, asked 50,000 Americans what they would do in the face of an unexpected “financial disruption” that would cost $400. Think of an airline ticket, for example, or a moderate car repair. Let’s just quote the report for the results: “To…
  • Not All Voices Are the Same: Ten Common Personal Finance Disagreements

    Trent Hamm
    2 Jul 2015 | 7:00 am
    Spend less than you earn. Pay off your high interest debts. Save for the future. Many of the tenets of personal finance are essentially common sense. They just work in practically every situation. Still, there are some areas where it’s not nearly as clear cut. Different people will make different arguments when it comes to some issues, often insisting that their path is the only sensible path. Here are ten debates that I often see come up in personal finance writings, podcasts, and in other media. I’ll take a look at both sides of each debate and give you my own take. Debate #1:…
  • Eight Frugal Ways to Unwind

    Holly Johnson
    1 Jul 2015 | 11:00 am
    In the crazy, fast-paced world we live in, it’s important to find ways to relax and unwind. Unfortunately, some of the most enjoyable ways to reach peak relaxation aren’t all that cheap. For example, when I think of pure relaxation, I envision myself enjoying a hot stone massage somewhere on the beach. Meanwhile, others relax the most during pricey spa treatments, expensive yoga sessions, or boozy drink fests with friends. Nothing is wrong with any of those methods, but the costs can add up quick. And if you want to save money for a new home, build an emergency fund, or pay down debt, it…
  • Plan Your Day the Smart Way to Minimize Spending

    Trent Hamm
    1 Jul 2015 | 7:00 am
    Could your life benefit from a little more structure? Taking a few minutes to plan your day each morning can help you root out inefficiency, saving you time – and quite a bit of money, too. Photo: Devin Stein It’s a pretty simple routine. Almost every morning these days, I spend about 10 minutes planning out the specifics of my day. I pull out my calendar and see what I need to do that day, then start filling in the gaps with things I need to do. I’ll assign a few one-hour blocks to writing. I might fill in an hour-long gap for a trip to the grocery store. I might fill an…
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    Wise Bread

  • 10 Tips for Camping Cooking

    Marla Walters
    3 Jul 2015 | 8:00 am
    Imagine, if you will the smell of fresh coffee and bacon frying, a flannel-lined sleeping bag, and finding the constellation Orion in the night sky. Whatever your favorite aspect is about camping, a little organization beforehand definitely enhances the experience, so below are some tips about how...
  • 6 Summer Party Ideas That Won't Break the Bank

    Laurel Randolph
    3 Jul 2015 | 6:00 am
    Summer is the ideal time for get-togethers. On top of holidays like Memorial Day, 4th of July, or Labor Day, we also enjoy regular weekend grill-outs, birthdays, and pool parties. It's a whole lot of fun, and throwing your own shindig can be very rewarding. The only problem is the cost —...
  • Is Your Emergency Fund Costing You Money?

    Emily Guy Birken
    3 Jul 2015 | 4:00 am
    We all know that an emergency fund is an essential tool in personal money management. And even newbies to personal finance can probably tell you how big an emergency fund should be — large enough to cover about three to six months of expenses. But what if that rule of thumb is incorrect? If...
  • The 5 Best Credit Cards with Free Hotel Status Upgrades

    Jason Steele
    2 Jul 2015 | 10:25 pm
    Do you like to be treated like a VIP when you check into a hotel? These are the guests who have a special priority line for check-in, and are offered perks like room upgrades, late checkouts, and even free breakfast and Internet. Normally these perks are reserved for hotel's most frequent guests,...
  • Best Money Tips: Ways to Make Extra Money With Little Skill

    Amy Lu
    2 Jul 2015 | 12:00 pm
    Welcome to Wise Bread's Best Money Tips Roundup! Today we found some great articles on ways to make extra money with little skill, how to save at your favorite restaurant chain, and must-haves for staying healthy on the go. Top 5 Articles 5 Ways to Make Extra Money With Little Skill — You...
 
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    Bargaineering

  • Decades of non-stop price hikes make Disney vacations a stretch

    Mitch Strohm
    29 Jun 2015 | 10:58 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 [...]Decades of non-stop price hikes make Disney vacations a stretch from personal finance blog Bargaineering.com. This blog was posted by Mitch Strohm
  • 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
  • Skip the pricey car dealership … I fixed a keyless remote myself and so can you

    Amy Fontinelle
    8 Jun 2015 | 12:00 am
    Amy FontinelleI refuse to go to a car dealership for any reason. I don’t shop for cars there and I don’t get maintenance or repairs done there. They have a reputation for charging much more than smaller auto shops. So when my car’s keyless entry remote stopped working, I wasn’t about to head to the dealership [...]Skip the pricey car dealership … I fixed a keyless remote myself and so can you from personal finance blog Bargaineering.com. This blog was posted by Amy Fontinelle
  • Those heavily promoted $10-a-month gym memberships are great … But will you ever go?

    Jen A. Miller
    28 May 2015 | 2:41 pm
    Jen A. MillerHealth clubs have a brilliant business model that counts on members who sign-up with the best of intentions rarely, if ever, showing up. If everyone who belonged to a gym actually worked out on a regular basis there’d be chaos (for a deep dive into the economics of gyms, check out this Planet Money podcast.) [...]Those heavily promoted $10-a-month gym memberships are great … But will you ever go? from personal finance blog Bargaineering.com. This blog was posted by Jen A. Miller
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    James Clear

  • The Power of Placebo: This Is What Happens When You Believe You’re Taking Steroids

    James Clear
    2 Jul 2015 | 9:57 pm
    Fifteen athletes were scattered around the room. Everyone was looking at Gideon Ariel. “We’re going to give you steroids,” he lied. It was 1972 and Ariel was conducting a study on athletic performance with his research partner William Saville. On this particular day, the two men were offering the athletes an interesting proposition. Ariel explained that the study would last for 11 weeks. The athletes would lift weights for the first 7 weeks and those who made the most improvement during that period would be rewarded with Dianabol, an anabolic steroid, for the final 4 weeks of training.
  • Two Harvard Professors Reveal One Reason Our Brains Love to Procrastinate

    James Clear
    29 Jun 2015 | 11:38 pm
    Sometime around 2006, two Harvard professors began to study why we procrastinate. Why do we avoid doing the things we know we should do, even when it’s clear that they are good for us? To answer this question, the two professors — Todd Rogers and Max Bazerman — conducted a study where participants were asked whether they would agree to enroll in a savings plan that automatically placed two percent of their paycheck in a savings account. Nearly every participant agreed that saving money was a good idea, but their behavior said otherwise: One version of the question asked participants to…
  • How to Stop Procrastinating and Boost Your Willpower by Using “Temptation Bundling”

    James Clear
    25 Jun 2015 | 3:06 pm
    Like many people, Katy Milkman knew she should be exercising more. But each day she left her job as a professor at the University of Pennsylvania feeling exhausted and drained. By the time she made it home, all she wanted to do was curl up on the couch and read a book or turn on her favorite TV show. On this particular day, she wanted to read The Hunger Games. That’s when she had an idea. What if she created a rule for herself? What if she was only allowed to read The Hunger Games when she went to the gym? Temptation Bundling “I struggle at the end of a long day to get myself to the…
  • Lessons From a Vexillonaire: Creativity, Simplicity, and the Carefully Constrained Life

    James Clear
    22 Jun 2015 | 1:41 pm
    The flag of Chicago is widely regarded as one of the best city flags in the United States, perhaps in the world. It is certainly one of the most popular. You’ll find the flag of Chicago printed on t-shirts and mugs, tattooed on local musicians, and flying along streets, over rivers, and above doors throughout the city. The flag has three white bars and two blue stripes. The white areas represent the three main sides of the city: North, West, and South. The blue stripes stand for the north and south branches of the Chicago River flowing into Lake Michigan. In the center of the flag, there…
  • Fast Growth is Overrated

    James Clear
    18 Jun 2015 | 11:12 pm
    We live in a world obsessed with what we do. What did you earn from your job last year? What place did your team finish in the standings? What trophy did you win? What award did you get? What measure of social status did you receive? In moderation, this focus on what is fine. I like getting results just as much as the next person. I like performing well. I like being on top of my game. Achievement can be a good thing. However, our obsessive focus on what we’re winning can also blind us from understanding how, precisely, people become winners. If you focus too much on the finish line,…
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    fivecentnickel.com

  • “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…
  • How long will oil prices stay low — and what should you do?

    William Cowie
    31 Jan 2015 | 2:14 pm
    image: wikimedia commons If you are old enough, you will remember 1973, when OPEC caused the price of oil to quadruple. (If you’re too young, simply Google “1973 oil crisis images” to see an endless parade of people stranded at gas stations with hand-written signs like the one in the picture.) That crisis changed life in America forever, starting with an almost instantaneous recession, as businesses couldn’t absorb such a dramatic hike in one of the most pervasive costs in the economy. The malaise brought on by the oil shock lasted more than a decade. Inflation became…
 
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    AllFinancialMatters

  • What Bradley Owed

    JLP
    18 Jun 2015 | 8:20 am
    I read this story earlier this morning. There was once a boy named Bradley. When he was about eight years old, he fell into the habit of thinking of everything in terms of money. He wanted to know the price of everything he saw, and if it didn’t cost a great deal, it did not seem to him to be worth anything at all. But there are a great many things money cannot buy. And some of them are the best things in the world. One morning when Bradley came down to breakfast, he put a little piece of paper, neatly folded, on his mother’s plate. his mother opened it, and she could hardly…
  • Larry Winget’s Advice for College Graduates

    JLP
    20 May 2015 | 7:21 am
    Good, practical advice from Mr. Winget. Please share.
  • Ibbotson SBBI 2015 Classic Yearbook

    JLP
    18 May 2015 | 9:33 am
    I sprang for an updated Ibbotson SBBI Classic Yearbook this year. My last edition was from 2007. At a $180 (plus tax and shipping), the book is hardly cheap. I placed my order in March. The book was supposed to ship in mid-April (it used to ship in March). April came and went. No book. I called to find out what was up and was told that there was an error and that they were sending out the books as soon as they were ready. I finally received my copy last week. Last night, while looking at it, I noticed that Table C-1 and C-2 in Appendix C contain the same data. I called Morningstar this…
  • Solving 6/2(1+2) Once and For All

    JLP
    18 May 2015 | 6:35 am
    I cannot believe that we have finally reached the point where math has become opinion. I saw this math problem on facebook this morning and was surprised to find two different answers: 6 ÷ 2(1 + 2) = ? Lots of people say the correct answer is 9. They would be wrong. The correct answer is 1. Here’s why: Since both expressions are the same, the only answer is 1. BTW, Google needs to fix its algorithm. STOP THE INSANITY! Happy Monday, everyone!
  • I Am Addicted to Audible

    JLP
    12 May 2015 | 4:00 am
    I have been an Audible member for a couple of years now. I used sporadically for the first year and a half. Once we moved and got settled into our new house, I really started using the program during the time when I had to drive my kids to school (17 miles one way). Let me tell you: it’s addictive! Once we got our son a truck to drive to and from school, I cut back on my listening time, but still use it on my morning walks. According to the app on my iPhone, I am 132 hours away from becoming an Audible Master. “What is a Master,” you ask? It’s someone who has listened…
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    Personal Finance Advice

  • Sam’s Club Hours and Holiday Schedule

    Heidi Renee Mason
    3 Jul 2015 | 8:57 am
    Sam’s Club strives for customer satisfaction, especially since it’s competing with Costco. Whether this occurs by offering wonderful prices, special membership benefits, or easily accessible store hours, Sam’s Club is known for customer service. While it is possible to shop at Sam’s … Continue reading →
  • Best Independence Day / Fourth of July Sales 2015

    Alexa Mason
    2 Jul 2015 | 2:28 pm
    Fourth of July should be a celebration of fun times with fun people while recognizing a historic moment in our country’s history. As an addition to the celebration, retailers tend to offer amazing deals on your favorite products. Even if … Continue reading →
  • Fourth of July 2015 Free Events

    Alexa Mason
    2 Jul 2015 | 9:35 am
    Who doesn’t love free things? July 4th is full of many different free events so make sure to take full advantage of these. Fireworks and parades are the most common free activities that go on around the nation for Independence … Continue reading →
  • Major Fourth of July Fireworks Displays for Independence Day 2015

    Alexa Mason
    2 Jul 2015 | 12:15 am
    With Independence Day comes a night of fireworks displaying an array of lights for every community in the nation to view.  Small ones, large ones, loud ones, and quite ones, they have them all. Some people travel hundreds of miles … Continue reading →
  • 4th of July: Retail Stores Open and Closed on Independence Day 2015

    Alexa Mason
    1 Jul 2015 | 1:47 pm
    While the Fourth of July is the day the nation celebrates its independence, it has also turned into a holiday where retailers use it as a means to try and sell their wares through Independence Day sales. It might be … Continue reading →
 
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    Mighty Bargain Hunter

  • 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…
  • Five tips for hitting the jackpot at your bank

    John Wedding
    23 May 2015 | 6:43 pm
    People make mistakes all the time when they sell things. Having knowledge about what you’re buying gives you an advantage over a seller who really doesn’t know what they have. The more knowledge you have, the larger your advantage. Take collectible coins, for example. Knowing the key years and mint marks — that is, the hard-to-find ones — can mean an instant profit if the seller doesn’t realize he or she has one. They might sell a 1921 Peace dollar for a fraction of what it’s worth. The less you know … As silly as a pawnbroker not knowing the key mint…
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    HappinessWala

  • Happy Quotes, Inspirational Quotes & Motivational Quotes

    happy
    3 Jul 2015 | 9:37 pm
    In this routine life of ours, there’s always a need to take out a moment for ourselves and refresh. What better way to do that by looking at some happy inspirational and motivational quotes and pics. For example, looking at a smiling lamb pic always makes me smile. I invite you to my Pinterest board on happiness. I like the one about happy pills! Here’s a screenshot:   Do hop over and share your own happy quotes, images and moments with us. After all cheering up us will help you cheer up yourself!
  • Unique Insurance Plan: Edelweiss Tokio Life – MyLife+

    happy
    3 Jul 2015 | 4:51 am
    Many years ago, I remember a discussion with my father about choosing between a lump sum payout for his retirement or getting a monthly payments the rest of his life. Whenever you get a lump sum, the money finds a way to get spent, my father said. And a monthly cash flow is better than having money locked up in investments that can give you more headaches than the pleasure of having the money, he reasoned. Well, can’t it be both?, I asked. (Actually I was secretly hoping that Dad would buy me a bike from the big lump sum he was getting. Son’s entitlements, right?) Anyway, the key…
  • The HappinessWala Equation

    happy
    2 Jul 2015 | 10:30 pm
     
  • Top 10 Things To Know About Happiness At Work

    happy
    2 Jul 2015 | 6:30 am
    Source Studies show that happiness at work may be the most important success factor for a modern workplace and that happy companies make more money! Happiness at work is one of the 3 most important sources of happiness in life. Happiness at work is the best antidote to stress. Stress doesn’t necessarily come from working too much but from feeling bad while you work. Increasing employee happiness dramatically reduces absenteeism and employee turnover. In all the world, only the Scandinavian languages have a widely used word for happiness at work. In Danish the word is arbejdsglaede. Your…
  • The HappinessWala Process

    happy
    1 Jul 2015 | 11:15 pm
     
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    My Open Wallet

  • 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…
  • Time to Adjust... Withholding, and Attitude!

    Madame X
    16 Feb 2015 | 6:00 am
    Tax time is usually a happy time of year for me. The last few years, I've tended to get refunds. I know it's all a psychological game, because a big refund really means you were overpaying all year, and gave the government a free loan. If you owe money, it's like the government gave you a free loan... though interest rates are so low these days, it's pretty much a wash anyway. What is ultimately important is the net amount of tax you pay... so I try to remember that the refund isn't really like winning the lottery. But this year, although I wasn't expecting to get a big refund, I got none at…
 
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    7million7years

  • What is the quickest way to pay off debt?

    Adrian
    27 Jun 2015 | 8:10 pm
    The common answer is to arrange the debt that you owe by either size (popularised by Dave Ramsey as the Debt Snowball) or by interest rate (see Debt Avalanche Definition | Investopedia). But, both of these methods are flawed because they incorrectly assume all debt is bad (see Good Debt Vs. Bad Debt), but this is only true before you take on debt. But, once you have taken on debt, debt is either cheap or expensive and requires a whole new way of thinking … There’s an old adage that says a penny saved is a penny earned. Well, this is also true for debt, where the…
  • The One Sign You Will Be Rich?

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

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

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

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

  • New Opportunities are Just Around the Corner

    Lazy Man
    2 Jul 2015 | 6:30 am
    Last week, I got an alert from Zillow about a house for sale that caught my attention. The price per square foot was under $110, which is less than half of our home would appraise at. At nearly 4500 square feet, it was quite a bit of house. The location was just a few streets over. I figured it must be a huge dump, but the pictures of TWO new kitchens indicated otherwise. As luck would have it, the house had an open house scheduled. I had to check it out. I pulled into the quiet cul-de-sac and there was a couple there about to enter. This worked out well as the real estate agent gravitated to…
  • Unsure About the Stock Market? The Top 5 Investing Tips For Success!

    Guest Poster
    1 Jul 2015 | 6:30 am
    Today's guest post is from Anna of Dollar Stacker. She is a twenty something personal finance junkie, saving guru and real estate enthusiast. Happy and educated, European-born, Canadian raised. Anna is a full time banker and an optimist. She says, "My blog is my outlet to share my financial successes and experiences, the ABCs of banking, the pursuit of happiness and to motivate & inspire others in their personal financial success!" The investment market has proven to be sour at times, causing hard losses, disappointments and a few Macaulay Culkin faces. Looking back there was the Great…
  • Ask the Readers: Don’t Buy a Home?

    Lazy Man
    29 Jun 2015 | 9:00 am
    That title may sound extreme, but the sentiment seems to be a growing trend amongst some extremely intelligent personal finance bloggers. When intelligent people make intelligent arguments, we can learn from the discussion. I just hope I can hold my "other side." You, as always, will be the ultimate judge. Who is deciding that owning a home may not be right for them? Miranda Marquit says she may never own a home again. James Altucher is more certain. My inspiration for writing this post comes from Evan from My Journey to Millions. A couple of weeks ago, he expressed a mild disdain of his…
  • Is Le-vel Thrive a Scam?

    Lazy Man
    26 Jun 2015 | 8:00 am
    About 6 weeks ago, regular reader Jason wrote me: "[My neighbor] has started this 'Thrive' regiment with a patch, a pill, and perhaps some other lifestyle changes, and posts daily pictures of herself on Facebook to 'document' her progress with weight-loss. To me, this looks to be just another one of the plethora of scams and schemes out there. What do you know about this 'company'? Perhaps you've already written articles on it that I wasn't aware of. If not... perhaps this could be one to look into and write about for future articles. Earlier this month, Talkng Points Memo wrote a great…
  • Ready to Buy a Home? Let’s Find Out

    Megan Sullivan
    25 Jun 2015 | 6:30 am
    There is something to be said for renting. Actually, there is quite a lot to be said for it. There is so much to be said for it, in fact, one wonders why anyone would ever want to become a home owner in the first place. Homeownership is the single most recognizable aspect of what we call the American dream. Without a doubt, there are certainly some benefits of owning vs. renting. When owning, one can do any internal home improvement project one wishes. External projects are possible. But some require a permit. Owning a home is beneficial for credit, auto insurance, and anything else where…
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    Blogging Away Debt

  • Month in Review- June 2015

    Matt
    2 Jul 2015 | 2:54 pm
    Hey Everyone! I hope you’re all having a great week. It’s July 2nd, so that means it’s time for a month in review. June went by in a flash, didn’t it? The summer months always seem to fly by so fast. Since I didn’t post on Tuesday, I want to share a couple of items that happened over the weekend: The same couple that I went out with earlier in June, invited me and GF out again; this time for dinner AND a movie (BTW- Jurassic World is AMAZING). I happily said “Yes!” but it also broke my “fun” budget for the month, which I carried $50. It…
  • Summer Book Club Review: Complete Guide To Money

    Ashley
    2 Jul 2015 | 6:00 am
    It’s time for our first summer book club review! Did you read Dave Ramsey’s Complete Guide to Money with me? photo credit If not, no worries! I’ll be announcing the next book club read at the end of the post! And read my review anyway – maybe you’ll get something from it even without reading the whole book. Let’s get started…. My general thoughts are that the book basically rehashes a lot of his other books that I’ve read (I’ve read Total Money Makeover and EntreLeadership). Even so, his writing is fun and engaging. He’s definitely…
  • Wear, wash, repeat

    Hope
    1 Jul 2015 | 3:00 am
    I feel like my days are on a serious repeat cycle and this post could pretty much be a duplicate of last weeks, with one MAJOR difference. I am anticipating a check today that will be the last payment towards my consumer debt…July 1st deadline goal met (almost as it hasn’t gotten here yet.) I feel like I should be doing some sort of happy dance or woot, wooting, but really I am just ready to keep plugging along. I am really enjoying having choices with my money, rather than just looking at what bill is due next. And I really like the idea of not having to fork over a large portion…
  • Retirement Options

    Ashley
    29 Jun 2015 | 11:00 am
    Let’s talk retirement. Until just this past year, hubs and I had saved absolutely nothing toward retirement. And, even this past year, we had just started saving $100/month (only in the months where we had an extra $100 to spare). In April we opened our very first Roth IRA for 2014 with a whopping $1,000 investment. That’s it. That’s our full retirement. I’ve had in the back of my mind that I would start more aggressive retirement contributions after we’re completely consumer debt-free (the only thing left is the car!). But now that I’ve landed a full time job things are shaking…
  • Lackluster June 2015 Debt Update

    Ashley
    29 Jun 2015 | 6:00 am
    So remember how we had a no-income month of May with hubs’ business? That really hurt us in terms of our ability to make big debt payments. I even said at the beginning of the month that we were going to cut out some of the debt payments all together (like the car payment and balance transfer loan, which don’t have minimum payments currently due), and pay minimums on everything else. Well, its one thing to say something and another to actually do it. And although we really didn’t have the funds to do so (I had to tap into EF funds), I made some payments toward all of our…
 
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    Clever Dude Personal Finance & Money

  • Parking Meters Are A Scam

    Brock
    3 Jul 2015 | 6:34 am
    Image courtesy of Stuart Miles at FreeDigitalPhotos.net Note:  Today’s post is a little tongue in cheek humor, mixed in with a little grumpy rumblings of someone that didn’t put enough change in the parking meter, topped off with just a little bit of truth.  Enjoy! I parked my van, plugged some change into the parking meter and entered the building where my wife works. I sat down in a chair and waited for her to finish up for the day. I drop her off and pick her up each day so she doesn’t have to worry about finding and paying for parking.  I’ve done it a thousand…
  • Help A Blogger Challenge: Can My Lawn Mower Be Fixed?

    Brock
    1 Jul 2015 | 6:11 am
      I have a challenge for you:  Can you help me save some money? My current lawn mower has served me well, helping me keep my yard looking neat and trim for almost ten years. Unfortunately, it seems to be experiencing a bit of an issue. While mowing lawn last week, I noticed that there was a puddle of oil on the deck of the lawn mower. I wiped it off, hoping that if I ignored the problem it would go away. When I mowed again last night, the same thing happened. My lawn mower is leaking oil. I’m hoping that whatever is causing the leak is a simple fix. Maybe something needs to be…
  • Think Before You Spend

    Brock
    29 Jun 2015 | 3:47 am
      I was at the gas station filling up our van before we left town. It had been awhile since the family bus had been washed, so I purchased a premium car wash as I swiped my card and went through the pay at the pump process. When the tank was full, I grabbed the receipt spit out from the gas terminal and verified I was given a car wash code. But when I turned around to check how long the line was for the car wash, I noticed orange cones were blocking the entrance signalling the car wash was not currently in operation. I didn’t check the state of the equipment before purchasing the…
  • Parenting : Take Pride In Your Ride

    Brock
    26 Jun 2015 | 4:13 am
    Image courtesy of samuiblue at FreeDigitalPhotos.net My sixteen year old son has been driving for about five months now. He’s been the primary driver of our car during that time. In fact, I can probably count on my fingers how many times I’ve driven the car in that time frame. Earlier this week I got in the car, looked around, and realized it was fairly obvious the car had not been cleaned the entire time my son has had his license. While there wasn’t any trash in the car, the dashboard was covered with a layer of dust, the floor had gravel and crumbs everywhere, and I…
  • This Hotel Cancellation Policy Loophole Could Save You A Headache, and Money

    Brock
    24 Jun 2015 | 6:15 am
      Some hotels have a cancellation policy that state if you do not cancel your reservation by a certain time your credit card will be charged for the room anyway. The line in the sand may be a specific time on the day of the reservation, 24 hours, or even longer. I found a potential loophole in this policy. My wife and I bought tickets last November to see the band Nickelback in concert. The actual concert was in March, and since the event was out of town we booked a hotel room as well. We were all set to hop in the car on the day of the event, when we were notified that due to a family…
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    Don't Mess With Taxes

  • A taxable toast to Independence Day!

    skbell1
    3 Jul 2015 | 9:28 am
    Ins explaining the United States to non-Americans, the quirky online comic website The Oatmeal notes that the Fourth of July is the day we celebrate our independence through alcoholism, concussive explosions and by scaring the crap out of our pets. I thought the characterization was just part of cartoonist Matthew Inman's exaggeratedly offbeat sense of humor, which is further demonstrated by his July 4th drawing there to the left. But Inman nailed it. All across the country this long weekend we have the fireworks and terrified pets and, yes, the over-consumption…
  • Gasoline, diesel taxes hiked in seven states on July 1

    skbell1
    2 Jul 2015 | 10:14 am
    Are you hitting the road this long Independence Day weekend? You are not alone. AAA Travel projects 41 million Americans will journey 50 miles or more from home during the Independence Day holiday weekend, with more than 80 percent of them traveling by auto. That's the highest level of Fourth of July road trippers since 2007. The number of drivers this holiday weekend also is nearly 14 percent more than those who took auto trips over the Memorial Day holiday weekend. The increase in July 4th motorists also is good news for gasoline producers, as well as the treasuries in seven states…
  • Tax record keeping rules and tips

    skbell1
    1 Jul 2015 | 12:26 pm
    Jeb Bush really did have 33 years of tax returns on hand and he opened them up for public inspection yesterday. When the former Florida governor announced that as part of his campaign to be the 2016 Republican presidential nominee that he was going to go to the extreme on personal tax transparency, I immediately wondered why he selected that particular number of years.  I also wondered how come he had that many years of tax records on hand. I was not alone. CPA and Twitter pal Deanna Richardson also was intrigued by the massive amount of tax records. Most of us are like Deanna clients. So…
  • Which candidate's tax return do you most want to see? Christie joins GOP race, Bush reveals 33 years of tax returns

    skbell1
    30 Jun 2015 | 10:59 am
    New Jersey Gov. Chris Christie is today's entrant into the ever-expanding Republican field to be the party's 2016 nominee for the White House. He's the 14th official major GOP candidate. Click image to watch Chris Christie's announcement that he's seeking the 2016 GOP nomination for president. On the one hand, it's good so see so many people interested in contributing to the country's political dialog. On the other hand, with so many candidates who don't have any chance of ever sitting in the Oval Office, and that includes you Donald Trump, the odds…
  • IRS 'incompetence' blamed for lost Lois Lerner emails

    skbell1
    29 Jun 2015 | 1:43 pm
    While most of us were focused on the recent Supreme Court health care and marriage rulings, and I plead guilty here, some other tax-related events were quietly taking place, like a look at those still-missing Lois Lerner emails.  We're now into the second year of this mess (781 days so far by TaxProf's count), and Lerner, the now-retired/fired Internal Revenue Service executive in charge when the Tea Party tax-exempt status scandal broke, is still under the gun  The latest revelations about missing IRS emails that might shed some light on the agency's process for assessing…
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    Money Smart Life

  • 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…
  • Keeping Up With the Joneses is Easy Because Being Different is Hard

    Kevin Mercadante
    15 Jun 2015 | 7:40 am
    Many of us – maybe most of us – spend a lot of money trying to match the lifestyles and spending patterns of the community around us. We even have a name for it – keeping up with the Joneses. Why do we feel compelled to do that? I suspect that in most instances, it isn’t a conscious decision. We do it mostly because keeping up with the Joneses is easy, because being different is hard. Here’s what I mean: Feeling “Normal” In reality, “normal” is a subjective concept. No one is truly normal if normal means being exactly and precisely like everyone else in society.
  • It’s Easy to Fall Behind on Retirement Because It’s Hard to Choose a Plan

    Miranda
    27 May 2015 | 2:23 am
    Study after study about retirement indicates that Americans are worried about their ability to live comfortably later in life. Savings statistics also indicate that we aren’t saving enough for retirement. One of the problems is that it’s easy to fall behind on retirement because it can be hard to choose the right retirement plan for you. The good news is that there are tools and strategies you can use to reduce the difficulty associated with saving for retirement. Employer Retirement Plans Choosing a retirement plan with your employer can be a daunting task, depending on…
  • Spending Money is Easy Because Saving Money is Hard

    Kevin Mercadante
    14 May 2015 | 11:03 pm
    Spending money and saving money are like natural enemies. The more of one that you do, the less of the other that you’re able to do. If money were unlimited, you’d be able to do both without any stress. But that’s why the spending/saving balance is so complicated – most people have to make hard choices between the two. Unfortunately, saving money often comes up the loser in the conflict, which helps to explain why relatively few people in America ever save a substantial amount of money, and reach a place that looks even remotely like financial freedom. Saving loses out because…
 
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    Queercents

  • 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 […]
  • Free Human Rights Campaign Address Labels

    DJ
    17 Feb 2015 | 1:54 pm
    We already stocked up on our Harvey Milk stamps from the U.S. Post Office now we need some LGBT friendly mailing labels and you can score them now for free. Just fill out the form to get Free Human Rights Campaign Address Labels.  Sometimes it’s the little things that count!
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    MoneyNing

  • 4 Baby Items You Should Never Buy Used

    Ashley Eneriz
    4 Jul 2015 | 5:00 am
    One of my favorite strategies for saving money on baby items is to buy items slightly used. In fact, most of the time, I buy a gently used baby toy, baby equipment, or clothing, use it, then sell it for a small profit. Since babies tend to grow out of their clothes and toys, it makes sense to avoid buying everything new at a retail store. However, there are baby things you should not buy used. Here are a few baby items that should always be bought new. 1. Bottles and Sippy Cups Most bottles and sippy cups come with several small parts, and hiding spots, which can grow mold. Even as I was…
  • Why Apprenticeships May Be Financially Wiser Than Attending College

    Jessica Sommerfield
    3 Jul 2015 | 5:00 am
    Apprenticeships have been around for as long as skilled trades. Traditionally, apprenticeships have been geared toward fields like mechanics, construction, electrical, and engineering, all of which require hands-on training. In the face of skyrocketing unemployment and student loan debt, this fact may be changing for good. The United States is surprisingly behind the trend toward apprenticeship-based training in expanded fields as European countries like Germany and the U.K. are already way ahead in the game. So why has it taken so long for the U.S. to jump on the apprenticeship bandwagon?
  • Is Leaving a Fortune to Your Kids a Gift or a Curse?

    Emily Guy Birken
    2 Jul 2015 | 5:00 am
    One of the great satisfactions of achieving financial success is the knowledge that you can provide opportunities to your children that you never had. But leaving them a large fortune can be a double-edged sword. It’s a cliché that the children of self-made men and women have no respect for the value of dollar — but it’s a stereotype that seems to be based in human nature. These concerns are the reason why many magnates, including Warren Buffett and Bill Gates, won’t leave their vast wealth to family. As Buffett famously put it in 1986, the perfect inheritance is “enough money…
  • What is Debt-to-Income Ratio and Why is it Important?

    Melanie Lockert
    1 Jul 2015 | 5:00 am
    Are you thinking of buying a house sometime soon? Or how about refinancing your student loans? If you’re thinking of doing either, there’s a number you should know aside from the all-important credit score. It’s your debt-to-income ratio, and it could get in the way of you being able to buy your first home, or refinance your student loans. How? Your debt-to-income ratio is used in a variety of situations to determine your level of risk as a borrower. If your debt-to-income ratio is too high, your opportunities to make a big purchase (like getting approved for a mortgage) may be…
  • 3 Neglected Financial Issues to Think About During a Divorce

    Miranda Marquit
    30 Jun 2015 | 5:00 am
    When you’re going through a divorce, there are a few things that seem self-evident. You know you might have to divide your assets and debt, and you should look into getting rid of your joint accounts. You may even have thought about the cost related to hiring lawyers to help represent you. However, there are some other financial issues you could be forgetting about. It seems unfair to need to think of these money issues when your life is already turned upside down, but they are important issues to consider. Here are 3 financial issues that you might be neglecting as you go through the…
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    Money Blue Book

  • 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 [...]
  • How to fix a broken savings strategy

    3 Apr 2015 | 1:36 pm
    The only thing that stands between me and my being a good saver is my inability to differentiate between things I want and things I need. Show me something that it would be nice to have, and I'll show you the spectacular display of mental gymnastics necessary to turn that object of desire into a nec [...]
 
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    treesfullofmoney.com

  • The Reverse Budget Technique: The Quick and Easy Way to Manage Your Money

    Ben
    8 Jun 2015 | 5:15 am
    I’ve written quite a bit about the “proper” way to set up a family budget. You know the one; where you sit down at the beginning of the month with a list of everything in the world you’re going to spend your money down to the last penny. In a perfect world, you’ll know exactly how much money you’ll have left over at the end of the month and exactly what financial goal you’re going to spend it on. Perhaps your goal is to pay down your debt, build up your emergency fund or buy a new boat. As best intentioned as we may be, things NEVER work out the way we think they’re going to.
  • Should You Pre-buy Your Home Heating Oil for 2016?

    Ben
    3 Jun 2015 | 12:11 pm
    There was a time not too long ago when home owners could save a tremendous amount of money on their home heating oil bills by pre-buying their oil for the upcoming winter season. Heating companies benefited because they reduced their risk exposure from customers not paying for deliveries, and the customers benefited by receiving a 5 to 15 cent per gallon discount over the fluctuating “cash price” or “spot price” at the time the delivery contract was signed (the market price for the heating oil on the day of the delivery). This payment option worked very well for both the customer and…
  • How to Hedge Against Rising Gasoline and Heating Oil Prices

    Ben
    3 Mar 2015 | 6:55 am
    If you’re like most people, you’re enjoying the benefits of paying less at the pump for a gallon of gas. If you live in a northern state (like me) you’re probably also very happy that it is a lot cheaper to fill up your heating oil tank too! Most experts agree that oil and gas prices won’t stay this low forever and there is a good possibility that prices will start rising again sooner than later. Why will oil prices rise you ask? As more and more oil rigs are shut down there is a growing “perception” (right or wrong) that new oil production will start to…
  • Delta Airline’s VIP Porsche Cayenne Shuttle Service

    Ben
    22 Jan 2015 | 7:13 am
    I had just boarded my Delta flight home in Atlanta, GA bound for Portland, ME when I notice a very peculiar site out my window. There on the tarmac was a brand new white Porsche Cayenne parked right next to the jet-bridge stairs. At first I thought it might have been a private vehicle that had worked out some deal with the airport to pick up a high level corporate executive or celebrity, but when the vehicle drove off there was a subtle “Delta” sticker on the back window. “Hmm…that didn’t seem like a very cost effective vehicle for supporting aircraft…
  • Falling Oil Prices a Boon to Families Heating Their Homes With Oil

    Ben
    18 Dec 2014 | 6:51 am
    A heating oil delivery man battles through the snow to reach a customer’s fill line. By all accounts, the fall in oil prices over the last month or two has been drastic. While falling oil prices might not be good if you’ve just published a book on getting a job on an offshore oil rig (like I did), there are tremendous benefits of lower oil prices to the average consumer. One area where consumers stand to benefit is in home heating oil prices. Every year on this personal finance blog I make predictions on the price of home heating oil and offer advice on whether or not you should…
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    The Dough Roller

  • The Best Interest Rates for July 2015

    Rob Berger
    3 Jul 2015 | 3:00 am
    Finding the best interest rate is a lot easier today than it was even a few years ago. Here at Dough Roller we track rates on everything from checking and savings accounts to arortgages to CDs. It occurred to me, however, that there was no one single page on the site where you could find the top rate for each type of account. So we created this page, updated monthly, to track the highest (or lowest) rates available. We focus on those financial institutions that have low fees, great rates, and are typically available anywhere in the U.S. You can find local banks and credit unions that offer…
  • How One Guy Traveled Around the World (21 flights) for Free

    Rob Berger
    2 Jul 2015 | 1:59 pm
    I’m of two minds when it comes to the world of free travel. On the one hand we can travel for free if we have the miles or points. And free is hard to beat. On the other hand, it takes a lot of time to build up the miles, mileage award tickets aren’t always available, and it seems like a lot of work. That’s why Scott Keyes got my attention. He and his girlfriend recently took a two-month trip around the world virtually for free. All of the flights–21 of them–were paid with miles. And 95% of their hotel stays were also free. So I invited Scott to the Dough Roller…
  • A Complete List of Credit Card Miles Signup Bonus Offers

    Rob Berger
    1 Jul 2015 | 8:07 am
    If you’re looking for ways to save on airfare, it might make sense to consider a co-branded credit card that offers airline miles for your everyday spending. Many of these cards work in conjunction with popular airlines to offer points or “miles” that you can redeem for free airfare, seat upgrades, airline status, and other special perks. In addition to awarding you with miles for your everyday spending, most of the best airline cards also offer a sign-up bonus once you meet a minimum spending requirement. There is typically a specified time limit to meet your spending requirement…
  • 9 Car Shopping Tools That Make Buying a Car Painless

    Holly Johnson
    29 Jun 2015 | 12:41 pm
    Preparing to purchase a car can certainly be fun, but it can also be an extremely stressful if you don’t have your ducks in a row. Between finding the right model and searching for the best price, you can literally can spend hours sifting through information for your search. And, if you don’t know what your money can buy, the stress of negotiating a deal can result in plenty of heartache. Still, searching for the perfect car in 2015 is seamless when you compare it to how people used to car shop a few decades ago. In fact, thanks to the internet, getting all the information you need might…
  • My Library

    Rob Berger
    27 Jun 2015 | 11:43 am
    In the weekly newsletter that goes out every Saturday evening, I include books that I’ve been reading. Most, but not all, relate to finances and investing. I try to read at least one book a week, and the list has grown significantly in just the past few months. In response to an email from a newsletter subscriber, I’m going to track all of the books I read right here. I’m going back to January of 2015, and will then add to the list moving forward. Note that an asterisk (*) next to a title means it’s an editor’s pick. Three asterisks (***) mean it’s a must…
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    Hustler Money Blog

  • Best CD Rates, Highest Interest- July, 2015

    Hu$tler
    4 Jul 2015 | 6:46 am
    Below are the best national available CD Rates for 6-month, 9-month, 1 year, 18-month, 2 year, 3 year, 4 year, and 5 year! Best National CD Rates Bank or Credit UnionCD LengthAPYReview Everbank MMA & Checking6-month1.40%Review The Palladian PrivateBank Savings Account6-month1.30%Review MySavingsDirect6-month1.05%Review Salem Five Direct6-month1.00%Review America's Credit Union5-month1.00%Review Connexus Credit Union6-month1.00%Review NewDominion Bank9-month0.90%Review Ally Bank11-month0.87%Review CIT Bank12-month1.25%Review Synchrony Bank12-month1.25%Review My e-BAnC by BAC Florida…
  • Eat Free On Your Birthday! Birthday Freebies! July, 2015

    Hu$tler
    3 Jul 2015 | 11:23 pm
    Want to Eat Free On Your Birthday? enjoy free meals or birthday freebies? Look no further! Free food always tastes better on your birthday. Below is a complete list of restaurants that will give you free food on your birthday with their e-club. Many restaurants offer free food on your birthday simply by signing up in advance. They usually give you up to two weeks or more to enjoy your birthday freebie, hence you’ll plenty of time to enjoy more than one freebie from a variety of restaurants. Happy Birthday and Happy Eating! Chase Sapphire Preferred® Card offers 40,000 bonus points…
  • Chase, Citi, Discover, American Express Credit Cards 5% Cash Back Categories – Quarter III 2015

    Hu$tler
    3 Jul 2015 | 4:15 pm
    Below chart gives you the 5% Cash Back Quarterly Categories  for Chase Freedom, Discover It, & Citi Dividend. I also added the year round 5% in office supply stores and cable bundled services with the Chase Ink Plus and Chase Ink Cash. For American Express, you can get the SimplyCash Business Card or the Blue Cash Preferred to earn 5% or 6% in their respective categories below.  You should know that Chase, Discover, and Citi open up enrollment for the bonus categories about two weeks before the new quarter begins. Here are the categories that will be earning 5% cash back for the Quarter…
  • Featured 0% APR on Balance Transfers & Purchases – July, 2015

    Hu$tler
    3 Jul 2015 | 12:55 pm
    The Featured 0% Balance Transfer & Purchase Cards are available below from longest 21 months to the lowest 12 months intro period. If you are carrying a high balance and paying interest each month, you can save a lot of money by doing a balance transfer of your balance to a 0% intro offer credit card. It’s important to factor in the balance transfer fee of 3% of your total balance. Some cards below also have sign up bonus which can help you offset the balance transfer fee. After doing a balance transfer, simply pay the minimum each month and pay no interest for the duration of your…
  • The Palladian PrivateBank Online Savings Account Review: 6 Month 1.30% APY Rate

    Baller
    3 Jul 2015 | 12:55 pm
    Available nationwide, The Palladian PrivateBank gives you the chance to earn 1.30% APY that is guaranteed for six months. After the 6-month intro rate, your account will then earn at a  rate of 0.90% APY. This is an excellent opportunity to make the most of your savings and maximize your return. New customers simply need to visit the Palladian website, open an account, and meet account balance requirements to start earning a higher yield. There is a minimum opening deposit of at least $10K and a maximum opening deposit of $100K. The maximum account balance is $500K.
 
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    Grad Money Matters

  • How To Easily Send And Receive Money With Friends

    GMM
    30 Jun 2015 | 11:35 pm
    Recently, I was asked by a friend if there was a different way that they could pay me money that they owed since we live in different states. We had hung out a couple of weeks earlier and I paid for a large purchase since we were not able to split it. I didn’t mind paying for it, but, of course, I wanted to be reimbursed since the cost was a few hundred dollars altogether for the two of us.Since we live so far away from each other, cash was not an easy option. I did not want my friend to send me cash in the mail as that would definitely be a disaster. It could either be destroyed or…
  • Starting a Dog Walking Business

    GMM
    29 Jun 2015 | 2:00 am
    Have you ever thought about starting a dog walking business?Maybe certain shows like King of Queens have got you interested in this possible business idea.While the job may be fun you should definitely love animals because you will be around them all day long!Keep in mind that walking dogs may sound easy, but it isn’t always is. You have to know how to be able to control dogs, especially since you will probably be walking more than one at a time. If you lost a dog or if two of the dogs got into a fight, could you control it?Here is how to start a dog walking business.Act…
  • 5 Ways To Save Money With Kids

    GMM
    22 Jun 2015 | 1:00 am
    Kids are becoming overwhelming expensive especially when they seem to be growing out of clothing so quickly.Not only that, college tuition costs are increasing every year and the burden of school loans after they finish college can really make things become even more stressful after.Although I am paying for my own college tuition, I do believe it would’ve made a lot of things easier and less stressful if I had help with school loans.1. Go shopping at stores for secondhand clothing or online sites like eBay. Craigslist is even a great place to buy secondhand clothing as a TON of people…
  • 7 Free Things To Do In Chicago

    GMM
    17 Jun 2015 | 3:00 am
    Living in the city of Chicago can be quite expensive. Everything seems to cost more, especially gas and taxes.For the past year I have lived in Chicago and there was always an endless amount of things to do. Not only that, most of the activities I did were free! Summer is almost here which means vacations are abundant and free activities are easier to find.1. Stroll on your bike or go for a walk across Lakeshore Drive. Lake Michigan is awesome in the sense that it’s almost like you are on a beach, but when you look behind you all you can see is a gigantic skyline of towers. Swimming is…
  • Benefits of Private Student Loan Refinance

    GMM
    9 Jun 2015 | 8:01 am
    Over the last decade, America’s student loan debt has soared an astounding 400%. Today, $1.2 trillion in student loan debt hangs above our heads. Student loans can be an expensive problem too. While federal student loans have relatively low interest rates, private student loans can be quite expensive. Unlike federal student loans, private student loans are issued by private lending institutions who qualify applicants based on credit worthiness. About 10% of total outstanding student loan debt is private. Private student loan interest rates can range from 5 percent at the low end, all the…
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    Everybody Loves Your Money

  • Use a Car Title Loan for Short Term Financing

    Me
    4 Jul 2015 | 3:00 am
    If you are looking to borrow money, a car title loan may be the easiest way to get the money that you need fast. If you own a car, you can probably get a car title loan. While there are dozens of borrowing options available to those with excellent credit, those with blemishes on their credit report often have trouble qualifying for traditional loans. With a car title loan, there is typically no credit check or financial documentation needed. Car title loans are secured by the title of the car owned by the borrower and the loan amount is capped at a percentage of the resale value of the car.
  • When and Why to Sell Structured Settlement Payments

    Me
    1 Jul 2015 | 10:57 am
    For most people, this sounds like a pretty abstract concept. Lots of people aren’t even totally sure what a structured settlement is. If this is you, don’t worry. Why would you need to know this? For those who are interested, a structured settlement is an arrangement that settles a lawsuit, made out of the courtroom. Let’s say you’re the plaintiff. You’ve been hurt or wronged in some way. You sue the person or entity which has hurt or wronged you, and the matter gets scheduled to go to court. Your opponent, the defendant, knows that your case is very strong. Their lawyers also know…
  • How to Win at Spread Betting

    Me
    23 Jun 2015 | 8:43 am
    The key to more consistent wins in spread betting lies within the challenge of working out which companies are under and overvalued and betting accordingly. The danger comes with the fact that it allows punters to wager much more than the cash they pay up front, and it is not always obvious how much money they could stand to lose. This principle opens the door to tremendous gains but also immense losses due to the volatility of stocks. What is Spread Betting? Spread betting is a form of betting that allows you to take a position on whether you think a market will rise or fall, without…
  • Cheap Vacation Ideas

    Me
    22 Jun 2015 | 9:16 am
    Cheap vacations are kind of my thing. I don’t like to travel a lot and when I take a vacation it’s far from extravagant, which is a good thing seeing as the average family vacation can run you thousands of dollars. If you’ve been thinking up cheap vacation ideas here are a few to get you started. Camping Camping is an age old family activity that definitely fits the cheap bill. With camping you have a few options. You can rent, or borrow a camper, and park it a campground or you can find a nice place to pitch a tent. My family always goes the tent route. We invested in a large tent and…
  • Trading Binary Options Like a Professional

    Me
    22 Jun 2015 | 5:06 am
    When interested in trading binary options, diving in without any education can lead to an obvious result – financial losses. Practically, binary options are similar to most types of trades, only they do not imply buying or selling anything. This type of trading implies betting. You set a bet over a specific period of time. Choose an asset and try to predict its value direction. There are two options – up or down. It makes no difference what direction the market goes in, as long as you indicate it correctly. That is how you make money from places such as Bank Invest. Definition of binary…
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    CreditCards.com

  • College students handling credit well

    Kelly Dilworth
    3 Jul 2015 | 5:00 am
    When it comes to using credit cards responsibly, today's college students are surprisingly good at handling high-interest credit, according to a new Ohio State University study. The trend toward responsible credit use might not last for long, however. Additional research released this year shows that younger college students aren't nearly as responsible. The Ohio State study surveyed more than 18,000 college students across 52 institutions and found that credit card usage is still alive and well on college campuses, despite federal rules limiting student access. The study found that most…
  • Backpage.com credit card ban outrages Australian sex workers

    Jay MacDonald
    2 Jul 2015 | 9:59 am
    Should U.S. credit card companies impose American morals on other countries? Workers in Australia's adult sex trade certainly don't think so. This week, American Express, MasterCard and Visa reportedly cut off all debit and credit card payments for the sexual services advertised on Backpage.com in America, where sexual solicitation is illegal, as well as Australia, where it's been decriminalized in most states. Backpage.com's sex trade business blossomed after Craigslist stopped offering adult services listings. Cook County, Illinois, Sheriff Thomas Dart prompted the move with a letter this…
  • Get a call from a debt collector? Don't panic

    Sienna Kossman
    30 Jun 2015 | 6:00 pm
    I've always been super careful about paying all my bills on time. So last week when I answered a call from an unknown number only to learn it was a debt collector, my stomach dropped. If there was ever a time for "Jaws" music to play behind a blog post, now would be it. The collector said she was from an agency in Florida and the property manager of my former apartment complex in Texas had sent my final bill to them, noting it as unpaid. I was instantly confused. I moved out of my old apartment May 8, received my final bill on May 23 and sent the property manager a money order for the tiny…
  • CEO paid $1.7m for helping hard-pressed debtors

    Fred Williams
    29 Jun 2015 | 11:43 am
    In the corporate world, where he began his career, Ivan Hand's $1.7 million paycheck in 2013 wouldn't be remarkable for a top executive. But Hand leads a nonprofit whose mission is to help struggling debtors. The Houston-based organization, Money Management International, provides credit card repayment plans, bankruptcy counseling and home foreclosure prevention, among other services. Much of MMI's income comes from the beleaguered debtors who come to it for help. I looked into the pay of the heads of the top 10 nonprofit credit counseling companies as part of my reporting for the story,…
  • Synchrony Bank to use big data to tailor cardholder offers

    Kelly Dilworth
    26 Jun 2015 | 5:00 am
    If you own a store card from a major retailer such as Wal-Mart, Lowe's, Toys R Us, JCPenney or Ashley Furniture Home Store, you may soon begin receiving targeted offers on your cellphone for products that are eerily similar to ones you already purchased. Beginning in September, Synchrony Bank -- the issuer behind a number of popular store cards, including the Sam's Club MasterCard, the Gap Visa and the eBay MasterCard -- will begin offering cardholders personalized pricing and discounts based on data it gleaned from Synchrony Bank-issued credit cards. According to The Wall Street Journal,…
 
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    One Frugal Girl

  • Book Review: Calming the Chaos

    One Frugal Girl
    26 Jun 2015 | 5:00 am
    Book Description: Far too many people in contemporary culture feel they don’t have enough time to “get it all done.” The stress of this chronic overwhelm creates a disorganized mind that leads to a chaotic life. Based on her highly acclaimed “Energy Management” workshops, and drawn from over 25 years of counseling and coaching experience, professional trainer and speaker Jackie Woodside shares her breakthrough methods that lead to becoming the least stressed, most productive person you know! In Calming the Chaos, you will learn the step-by-step skills and thought processes that lead…
  • If You Were Starting from Scratch What Would You Buy Again?

    One Frugal Girl
    24 Jun 2015 | 10:29 am
    My husband and I talk a lot about moving out of our current home. We live in a beautiful house in a nice neighborhood, but the school system here is absolutely abysmal. As I see it we have two options. We will either need to enroll our children in private school or move to a new home with a better school district. My oldest won’t attend kindergarten until 2017, so we have a little bit of time to formulate a plan. The middle and high schools have extremely low ratings, but the local elementary school would probably support my son’s needs for the first few years, which means we…
  • Book Review: How to Blog a Book

    One Frugal Girl
    19 Jun 2015 | 10:25 am
    Book Description: Transform Your Blog into a Book! The world of blogging is rapidly changing, but it remains one of the most efficient ways to write and share your work with an eager audience. But how do you purposefully hone your blog content into a uniquely positioned book that will be noticed by an agent or a publisher? How to Blog a Book Revised and Expanded Edition is a completely updated guide to writing and publishing a saleable book based on a blog. Expert author and blogger Nina Amir guides you through the process of developing targeted blog content that will increase your chances of…
  • Book Review: Life Outside the Box

    One Frugal Girl
    19 Jun 2015 | 5:00 am
    Book Description: Real Stories about Real People to Entertain, Inspire and Challenge You. Get inspired to step out of your box and into a world full of potential. From the corporate world, to the arts, to working with the disenfranchised – the message is clear. There is no such thing as a normal way to live your life and no one right solution to any problem. Selected from amongst over 100 interviews, the stories shared here open a window on the journeys of seven women and three men who have charted their own path, including Ruthie Davis – top U.S. luxury shoe designer and the winner of…
  • Averting Bridesmaid Disaster + A Giveaway

    One Frugal Girl
    16 Jun 2015 | 6:41 am
    My future sister-in-law asked me to be a bridesmaid in her wedding. “Are you sure?” I asked, “I won’t be insulted if there is someone else you’d rather have standing beside you.”  “No,” she said, “I’m certain.” After waiting over a year and a half to conceive I hadn’t told anyone in the family I was pregnant. I wanted to wait until a few weeks into my second trimester. “I’ll wait until I have to tell them,” I told my husband. “I’ll wait until my belly is about to give me away.” I was…
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    My Dollar Plan

  • How to Get a Natural High for $5 or Less

    Amanda
    2 Jul 2015 | 6:29 am
    Everyone likes to feel a thrill from time to time. That sudden, sharp feeling of excitement or exhilaration leaves us with a natural high. And feeling a natural high is so much better than a synthetic one as it is legal, inexpensive, and will not leave you dependent upon anything or anyone else. Chances are you have incorporated some pleasurable activities into your days. But doing the same thing over and over again no longer elicits that sharp feeling of excitement that it used to because it becomes routine. Routines are a great way to get things done and feel familiar and comfortable to us.
  • This Month’s Most Popular Finance Tips: June

    Madison
    30 Jun 2015 | 6:29 am
    This month our most popular finance tips were finding ways to make more on your savings, reading the best finance books, turning things into cash, $10 off Amazon, revisiting your goals, calculating net worth and exploring the dangers of timeshares. If you missed the most popular finance tips this month, here’s a quick overview: This Month’s Most Popular Tips: June 10 Surprising Things You Can Turn Into Cash. Are you selling back extra wire hangers to the dry cleaners? Time to clean out your closet! Amazon $10 Off $10 Purchase. Better hurry… this free popular Amazon promotion…
  • 30 Money Saving Tips

    Madison
    29 Jun 2015 | 6:37 am
    My Dollar Plan readers have lots of great ideas when it comes to saving money. I asked readers to share their money saving tips. The responses were terrific! One of my favorites is Brian’s idea to wait at least 30 days before making major purchasing decisions. There are so many times when I decide I no longer need to buy something that was at the top of my list last month! From energy savings to selling your stuff and using the library to setting up your accounts automatically and everything in between, here is a recap of the tips to save money. Money Saving Tips Fill your fridge. Lower…
  • Amazon $10 Off $10 Purchase

    Madison
    26 Jun 2015 | 6:36 am
    Anytime a free offer pops up from Amazon, I immediately move it up in our Free Money Friday series. I know the Amazon offers are reader favorites! Amazon is giving out free $10 promo codes when you link and use a card with Chase Ultimate Rewards. But you’ll have to ask fast… the offer ends on Tuesday! Like most Amazon offers, this one is targeted, so you’ll have to see if you qualify first. If you do, it’s an easy way to earn $10 off your $10 purchase. I was able to pick up a bucket of Perler Beads for my daughter’s upcoming birthday for 76 cents! How to Get $10…
  • New 3rd Quarter 2015 5% Rotating Cash Rewards Credit Cards

    Madison
    24 Jun 2015 | 6:18 am
    3rd quarter cash back is here and it’s focused on gas, travel, and my favorite… Amazon.com! It’s time once again to get all the cards organized, activated and into a regular rotation. In addition, now that we have the opportunity to double our Discover it Cashback to 10%, the Discover card will be huge in quarterly rotations! Reevaluate Quarterly Cash Rewards It’s our quarterly check-in to reevaluate the cards we are carrying to take advantage of the best 3rd quarter 2015 cash rewards credit cards bonuses. Every quarter we reevaluate the cash back cards to make sure we…
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    My Financial Journey

  • Retirement Nestegg Report – June 2015

    MFJ
    1 Jul 2015 | 7:07 am
    Well despite the market being down over 2% last month my retirement nestegg still grew by a few thousand dollars thanks to some pretty extreme out performance by my individual stock investments. My stocks this month outperformed the SP 500 index by 4.35%!! Which is pretty impressive and impactful seeing as how over half my nestegg is invested in individual stocks. Taxable Account – $19,931.18 (+2.59%) Traditional Rollover IRA – $35,651.20 (+3.02%) My Roth IRA – $ 138,459.05 (+2.44%) Wife Roth IRA – $80,140.79 (+1.51%) Traditional 401k – $234,905.52 (-1.53%) Roth/Traditional…
  • Retirement Nestegg Report – May 2015

    MFJ
    1 Jun 2015 | 5:17 am
    Another month of nice growth and out-performance of the SP500. My nestegg finished above the $500k mark for the first time in history. It’s funny to me how as the numbers in my accounts get bigger and bigger that a $15k jump in a month seems like a very ho-hum thing and just a few years ago $10k in a month would have had me dancing in the streets. I look forward to my first $100k increase in a month. Taxable Account – $19,428.60 (+6.28%) Traditional Rollover IRA – $34,606.62 (+3.63%) My Roth IRA – $135,155.27 (+3.54%) Wife Roth IRA – $78,950.46 (+4.62%) Traditional 401k…
  • Retirement Nestegg Report – April 2015

    MFJ
    1 May 2015 | 11:28 am
    Another month another report – not much to say this month. Slight outperformance of the market and some small growth of my nestegg. Taxable Account – $18,280.5 (+14.04%) Traditional Rollover IRA – $34,341.22 (-5.93%) My Roth IRA – $130,426.54 (+3.54%) Wife Roth IRA – $75,467.36 (+3.89%) Traditional 401k – $232,898.10 (+0.96%) Roth/Traditional % = 41.88% (tax free) Total Retirement Nest Egg $491,413.61 (1.99%) Retirement Salary (4%) – $19,656.55 Monthly Contributions $1,807.71 (401k) SPY Performance +0.85% My Monthly Investment Performance +1.61% (+0.76% vs SP500)…
  • Interim Retirement Nestegg Report – I broke $500,000

    MFJ
    16 Apr 2015 | 6:54 am
    Well it took a little longer than last time, but compound interest is still working its magic with my retirement nestegg. Today I officially broke through the $500,000 mark for the first time. This milestone came 14 months after the $400k milestone which was actually slower than it took to go from $300k to $400k, but this market is not exactly the magical market that existed in 2013. The more I update those tables below the more I question why I used a stupid metric like the DOW as an indicator, I think the only reason I chose it was because of the nice symmetry for when I first broke through…
  • Retirement Nestegg Report – March 2015

    MFJ
    1 Apr 2015 | 7:36 am
    Another big contribution month for my 401k due to company bonuses getting paid out this month. Overall a pretty boring month – no $40k swings or anything like that – though I expect/hope there will be some of those coming up in the future one way or the other. Volatility is the investors friend. Taxable Account – $16,030.31 (-3.15%) Traditional Rollover IRA – $36,508.31 (-1.48%) My Roth IRA – $125,964.81 (-1.95%) Wife Roth IRA – $72,647.36 (-4.11%) Traditional 401k – $230,681.99 (+0.79%) Roth/Traditional % = 41.25% (tax free) Total Retirement Nest Egg $481,832.78…
 
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    bluntmoney.com

  • 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…
  • On Layoffs

    bluntmoney
    23 Jun 2015 | 8:28 pm
    I’ve written before about how to prepare for a layoff, but maybe it’s time to write about ways to handle things if a layoff does occur. First, try to keep calm during the process. Don’t yell or scream or do anything that might reflect badly on you if the people involved are ever contacted by prospective employers. Ask for severance if they aren’t offering it, and ask for more severance if they ARE offering it. It can’t hurt to ask. Ask about COBRA as well, although you should get a letter explaining your options with that. If you’re allowed to talk to…
  • Health insurance — do you have it?

    bluntmoney
    15 Jun 2015 | 8:19 pm
    Do you have health insurance right now? If so, who pays for it and how much does it cost you? If not, why not? Health care and insurance is a mess here in the U.S. So while I normally avoid politics like the plague here, I’m interested in what might change in the U.S. healthcare-wise depending on who gets elected. It directly affects my pocketbook. But before we can talk about what might change, I wonder what things are like now for people. (If you’re outside the U.S., I’m interested in your experiences too.) Over the years I’ve had no coverage, minimal coverage…
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    Million Dollar Journey

  • 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…
  • Weekend Reading – Money and Happiness, Guilt-free Spending, Tax Bracket, Group RRSP and HBP, and more!

    FrugalTrader
    26 Jun 2015 | 5:05 am
    Just a quick reminder that The Successful Investor Newsletter deal is ending very soon. We have negotiated the best price on the web for one of the best performing stock newsletters in Canada. More details here. Does more money buy more happiness? Or, is there a saturation point and/or diminishing returns? The Blunt Bean Counter offered his take through the post: How Much Money Does it Take to Make You Happy? Financial incompatibility is a leading cause of marriage breakdowns. Discussing about life goals prior to tying the knot is a sound plan. However, it is never too late to address issues;…
  • From Arrival to Retirement – An Immigrant Family’s Success Story

    FrugalTrader
    22 Jun 2015 | 4:30 am
    Calvin and his spouse Beverly immigrated to Canada in the early 1970’s (both in their mid-late 20’s).  While people move to different countries all the time, the couple came to Canada under a number of challenging circumstances.  They arrived with very little understanding of the English language and into a city that was predominately English speaking.  They had very little money in their pockets (about $500 Canadian), no work lined up, and to top it off, they had an 11 month old baby (and pregnant on another). They left their home country and moved to Canada for its…
  • Net Worth Update June 2015 – Smiling Saver (Just Married)

    FrugalTrader
    15 Jun 2015 | 4:30 am
    Welcome to the Million Dollar Journey August 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. SmilingSaver was selected as a team member and will post net worth updates on a regular basis. Here is more about him. Profile: Name: SmilingSaver Age: 30 Net Worth: negative $33,929 (vs. $48,247 last quarter) Day Job: Engineer Family Income: $72,000 Goals: Start 2016 Debt free. Notes: Married in May 2015. Wife graduated from school with second…
  • The Successful Investor Newsletter Discount for MDJ Readers

    FrugalTrader
    8 Jun 2015 | 6:00 am
    Over the past three years, The Successful Investor (TSI) has offered MDJ readers the best deal on the web on Canada’s top stock picking newsletter service.   Now they are back again for another round! Being a Subscriber I’ve been a subscriber for a little over three years now, and I’m pleased with the service.  The membership includes a monthly email newsletter, weekly updates, and access to all previous newsletters.  The Successful Investor newsletter contains Pat McKeough’s top picks and detailed information as to why he is recommending them. While most…
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    Bible Money Matters

  • Save Up To 90% On Your Next Amazon Purchase Using Snagshout

    Peter Anderson
    1 Jul 2015 | 4:46 am
    Snagshout helps you buy products on Amazon for up to 90% off, or more. All you have to do in return is leave a review of the product. Here's how it works The post Save Up To 90% On Your Next Amazon Purchase Using Snagshout appeared first on Bible Money Matters and was written by Peter Anderson. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • Finding Contentment In Your Financial Situation

    Melissa
    30 Jun 2015 | 6:43 am
    What strategies do you use to find contentment in your own financial situation? The post Finding Contentment In Your Financial Situation appeared first on Bible Money Matters and was written by Melissa. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • Use The No Sweat Investing Method To Meet Your Financial Goals

    Joseph Hogue, CFA
    24 Jun 2015 | 6:45 am
    The No Sweat Investing method can help you to reach your financial goals without all of the stress of picking individual stocks. Here's how it works. The post Use The No Sweat Investing Method To Meet Your Financial Goals appeared first on Bible Money Matters and was written by Joseph Hogue, CFA. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • 5 Ways To Give To The Homeless Without Giving Cash

    Melissa
    22 Jun 2015 | 8:23 am
    There are plenty of low cost ways that you can give and make a difference in the recipient’s life as well as your own life. Here are a few. The post 5 Ways To Give To The Homeless Without Giving Cash appeared first on Bible Money Matters and was written by Melissa. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • It’s Not Mine, And That’s A Good Thing

    Brian
    18 Jun 2015 | 4:00 am
    Realizing God was the ultimate owner of all I have has helped me to maintain the proper perspective about money and possessions. Here's why. The post It’s Not Mine, And That’s A Good Thing appeared first on Bible Money Matters and was written by Brian. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
 
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    Canadian Personal Finance Blog

  • 2 Day Work Weeks, 4th of July, Greece, and #BestMoneyStories

    bigcajunman
    3 Jul 2015 | 5:05 am
    Tweet Thanks to the odd placement of July 1st this year, I am enjoying two 2-day work weeks (unfortunately with a 1 day weekend in between). I did my best to stuff as much as I could into my 1 day weekend. Boom! It is the 4th of July on Saturday and our American relations will show how a Real Party is done. More than one comedian has quipped that the 4th should be renamed Blow Something Up Day but I am OK with seeing a country truly revel in their own freedoms. Oh and for those of you who have said, “I am moving to Canada now that same-sex marriage is legal”, you might want to…
  • Canada Day Celebrate This Nation

    bigcajunman
    1 Jul 2015 | 5:22 am
    Tweet Canada Day 2015 is here, and given this holiday is mid-week this year, it is an odd holiday. Happy Canada Day In Canada we enjoy many things, and here for your enjoyment is my ode to Personal Finance in Canada: C  is for the Cash, which of course is King A  is Accounts which you should have opened (TFSA, RRSP, RESP, RDSP, etc.,) N  is nervous which you should not be if you have a solid financial plan A  is for Accountant like Blunt Bean Counter, which you should consult if things get complicated D  is for Debt, the scourge of us all A  is for Assets, the one thing we should all be…
  • Inflation at 0.9% for May (maybe)

    bigcajunman
    29 Jun 2015 | 5:06 am
    Tweet A week ago Stats Canada published their Consumer Price Index for the year ending May 2015, and the number they published was that the basket of articles that make up the CPI were up 0.9% year over year. Given that Food is up it’s normal 3.8% year over year, how is the index only up 0.9%? You guessed it, Gas and energy prices (that complete Index was down 11.8% year over year): Gasoline was down 17.4% year over year, but that will be changing with Gas prices going back up this month. Natural Gas was down 14.4% for the year ending in May as well (not sure about those prices whether…
  • Summer is Here, Canada Day, Christmas and #BestMoneyStories

    bigcajunman
    26 Jun 2015 | 5:57 am
    Tweet As of the 21st of June, the summer of 2015 has started, with all the associated hoopla and fun. Remember that during the summer you might forget some important things like making sure your bills get paid, so maybe spend some time automating your bill payments for the summer, so that you don’t get in trouble with your creditors, and utilities. Early Happy Canada Day Canada Day is coming next week, on a Wednesday which will make for a great deal of confusion for folks, trying to figure out the optimal usage of their vacation, but my personal theory is if you spend 4 days vacation…
  • Symptoms Your Debt Load is Getting Out of Control

    bigcajunman
    24 Jun 2015 | 7:19 am
    Tweet I have had a lot of folks comment to me about how “… I didn’t know I was in trouble financially until I was in the middle of it…”, which is (unfortunately) true for many folks. In trying to help folks understand some of the warning signs that their debt load is starting to get out of control I will give you some personal examples of when you should really start doing something (i.e. make a plan, or talk to someone) about your debt load. The Coyote Didn’t See it Coming Either If you have yelled at your spouse because they bought the…
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    Early Retirement Extreme

  • I just started an exercise program – what should I expect?

    Jacob
    4 Jul 2015 | 11:02 am
    There are certain physiological changes that can be demotivating to starting on an exercising program. These changes take place within the first 1-2 months which is about the time most are willing to give something a try (witness my failure to switch to raw food). The first change is neuromuscular adaption. The neurological connection to unused muscles is weaker than the connection to active muscles. It goes like this: You want the muscle to move. A signal gets sent that triggers some muscle fibers. Not all of them are activated. The muscle is weak. It can not overcome the force. When a good…
  • Vinegar and soap

    Jacob
    3 Jul 2015 | 10:55 pm
    I have started using vinegar and baking soda for basic cleaning. Generally I spread baking soda of the grime and then soak a rag in vinegar. When the acid of the vinegar comes in contact with the baking soda a chemical reaction ensues which works very well for cleaning (for extra effect heat the vinegar). I am not sure it is cheaper than using commercial cleaning agents, but it seems more natural. I’m continuously puzzled by the “weird” things Americans use to clean their homes. It seems to be less about cleaning than about achieving the “appearance of [easy]…
  • Build a worm composting system

    Jacob
    3 Jul 2015 | 10:48 am
    In an effort to reduce the outgoing mass of garbage, this being a good proxy for measuring ecologic inefficiency and by implication, economic inefficiency, I have built a worm composting system out of two plastic totes. I essentially followed the instructions I found on a website. The two grey 10 gallon totes were $3.50 each (lid included) at the local walmart. We had to buy a 1/4″ drill to make the holes in the bottom. I assumed the size of these are critical since the worms eventually have to go through them. In retrospect it’s probably not that important. For the ventilation I…
  • Progressquest your career

    Jacob
    2 Jul 2015 | 10:46 pm
    I just got introduced to the brilliant game ProgressQuest which along with Bartle’s observations of the online gaming world is rich in applications for understanding the real world, which in many ways can also be compared to a big game. Perhaps, a designed game? ProgressQuest is a spoof on the MMORPG habit of “grinding” for experience points, that is, engaging in a non-entertaining behavior (killing non-player monsters) to achieve some other end, specifically an increase in levels, wealth, special weapons. Just stop me, whenever you get the point of this analogy…
  • Is the ERE method robust?

    Jacob
    2 Jul 2015 | 10:42 am
    On this blog I make the claim that anyone can become financially independent in 5 years if they so choose. I am not the only one of course (and nothing I say is very revolutionary). Other methods include making $4000 a month by blogging about how awesome/amazing/remarkable one is, fixing up and flipping real estate, posting links on google, investment methods that doubles principal every year, and landing jobs on Wall Street. It is clear to me that some methods can not be replicated by a large number of people. For instance, blogging your way to tens of thousands of readers is only for the…
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    2million's Personal Finance Blog

  • 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…
  • February 2015 Net Worth Update (+$44,489)

    2million
    8 Mar 2015 | 8:46 am
    Highlights for FebruaryWe have earned approx $3,000 (in gift cards, points, and miles) through 6 credit card signup bonuses last year. Our credit scores are still hovering around 800, but since we have no plans to utilize our credit for other financing anytime soon, we are making a little money off our credit scores by taking advantage of these promotional opportunities.We are not spending extra, but focusing our spending on these new cards to earn the bonuses. Our properties are listed on our balance sheet based on their cost basis, not current market value. We have done this during the the…
 
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    Wealth Creation and Saving Strategies | OnMoneyMaking

  • How to Avoid a Toxic Work Environment

    admin
    23 Jun 2015 | 6:16 pm
    Having a well thought out business model and employees that are well qualified can make a huge impact on a business’s success. However, if the work environment becomes toxic, the productivity levels within your company can be deeply impacted. In fact, the energy put out by your employees and that which surrounds them can make or break an otherwise successful company. Here are a few tips on how to avoid cultivating a toxic work environment.   Open Allocation and Incentives Allow your employees the opportunity to move around within to the company with ease to work with projects that are…
  • What Is Medical Debt, How to Avoid It, and Why Is It Such A Big Problem?

    admin
    9 Jun 2015 | 3:28 pm
    There’s a good chance that you are already pretty familiar with this country’s medical debt problem; in fact, more than a third of Americans owe collectors for unpaid medical bills. What can be inferred from this about those bills and debts that are regularly being paid down? What Is Medical Debt? Medical debt refers to the amount of money that consumers owe to medically-relevant facilities and professionals for procedures, tests, visits, and other pertinent services. In the United States, medical debt makes up the biggest percentage of consumer debt. This is one area of debt where…
  • Keeping Track of Your Staff has Never Been Easier

    admin
    3 Jun 2015 | 7:30 pm
    Part of running a business means managing your staff. You need to keep tabs on their time and attendance. It’s not only a matter of making sure your employees are on time and putting in the proper amount of hours. Accurate records are essential when it comes to processing payroll. You don’t want to deal with a mountain of paperwork. With time attendance software from TimeClockeShop.com, you can make your life easier. Have all of the data at your fingertips and spare yourself the headaches. Make Everything Automated Remove the possibility of human error when all of your systems are…
  • Reverse Mortgages for Canadian Seniors

    admin
    28 May 2015 | 4:05 pm
    If you’ve been reading about the mortgage industry in Canada lately, you’ve probably come across the term “reverse mortgage.”  How much do you really know about this type of mortgage, however?  At its core, a reverse mortgage is a mortgage loan that is secured based on the total equity you have in your home.  A reverse mortgage differs from a traditional mortgage in several ways, but the most notable difference is that you are not required to make any payments on the loan as long as you or your spouse live in the house. Generally, when you take out a reverse mortgage on your house…
  • How To Play The Texting Game During The Dating Process

    admin
    7 May 2015 | 7:54 pm
    Dating can seem like a really difficult proposition, especially when you have someone that you really like. You don’t want to come off as too clingy, but at the same time you want to definitely single interest that you like that person and want to spend more time with them. In today’s digital world, we don’t do most of our communication by phone call or even face to face. We are increasingly communicating via text—and texting, while quick, easy, and fun, is highly impersonal. Texting can lead to miscommunications that can make it difficult to get your point across. And texting just…
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    How I Save Money.net

  • I Need To Withdraw From My ROTH IRA To Pay Tuition

    Lulu
    1 Jul 2015 | 8:02 pm
    Hello everyone, So I have had to pay a lot in tuition this year and I am trying to withdraw the money from my ROTH IRA so that I can pay for tuition. The process seems pretty straightforward since I have a Vanguard account. I can simply log in to my account and tell the system the amount I would need, and then they sell that much of my investments. I do not need to pick individual funds that I want sold, somehow Vanguard will make the decision on what to sell and will reallocate my portfolio. Because I am using the money for tuition, which is a qualified expense, I should not have to pay the…
  • Lending Club Welcomes Texas!

    Lulu
    30 Jun 2015 | 2:28 pm
    Lending Club now offers investments to lenders in Texas, according to some new updates. This means that if you are in Texas you can now invest in loans on the website. I think this is great news because it opens up a new avenue for investors who would like to spend a smaller amount. It is also great because now borrowers who are in Texas have access to lenders in their state. I know this would not be an issue for me…but some people would just prefer to borrow from those who are ‘familiar’ to them. I hope Lending Club keeps spreading!!!! If you are interested becoming a…
  • Trying (And Failing) To Use One Credit Card For A Whole Month

    Lulu
    31 May 2015 | 11:01 pm
    I have been trying to use only one credit card for a whole month so that I can maximize my rewards from that card. I have also been failing at that goal because I simply cannot stick to one card. I keep one main card in my wallet and another of a different type as a backup. I only use the main card when shopping in stores so that I can rack up all the points on that one card. The issue comes up because I have other cards set up as the main card for online shopping or tuition payments, and some months they do not match the main shopping card. So if I have an online transaction then it may not…
  • Money Update: May 2015 Week 4

    Lulu
    24 May 2015 | 9:36 pm
    I forgot to post my Friday Finances last week so here is the money update for that period. $41.06 on food for the week. This was mostly fruits and vegetables that I got from United. It seems these things are getting more expensive! They also go so quickly because I now eat a lot more fruits and vegetables every day. I shudder to think of what my food bill at the end of the month will be because I am very close to going over. $20.00 on the phone. My portion of the shared bill has gone down because there is another user on the shared plan. So far this shared plan has worked out well because we…
  • New Theme

    Lulu
    18 May 2015 | 3:13 pm
    Hello everyone, You may have noticed a new look around the blog. I had to get this change made because of some technical issues. I am still getting everything settled so please bear with me. There have been multiple attacks on the site and it was a gigantic mess. I have had someone working on it constantly and finally we are making progress. We have settled on this new theme and are still in the progress of customization. This is off topic but as I was searching for images for this post I thought the word ‘new’ looks rather odd. Anyway, it was time for a new theme..so let me know…
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    Funny about Money

  • Back again…for the nonce, & with an addition

    funny
    2 Jul 2015 | 10:10 pm
    The server seems to be going up and down. Wasn’t able to post earlier today…now it’s late and the Old Bat is tired. Urkl. At this point, part of the Blogging Empire is over at WordPress.com and part is self-hosted over here at a friend’s server. I think, just by way of having everything in one place, that I’m going to move all the sites, including FaM, to WordPress.com. Their servers are very stable and for a reasonable fee you can upgrade to a pretty generous service. But speaking of websites, how do you like the start of the Fire-Rider site? It’s still…
  • It Lives!

    funny
    29 Jun 2015 | 10:49 am
    And it just quit its job. Yesh. I survived the surgery, apparently (to judge from the nurses’ and doctors’ commentary) better than most old ladies. Other than an overall sensation of having been run over by a truck, I feel pretty good. The tubes are out, everything is out but the IV connection, which they flat refuse to remove until I’m walking out the door. I even managed to figure out how to use the shower, which in its environmental correctness barely trickles out enough water to get your body damp. In theory, I’m supposed to be discharged at noon, when…
  • Still Living; Still Trapped

    funny
    28 Jun 2015 | 5:21 am
    The extravagant belly pain that brought me to the Mayo’s ER turned out to be a bowel obstruction caused by scar tissue from an old appendectomy. Fortunately, the docs were able to fix it laparoscopically — that was not a given when I was rolled off to the ER. At any rate, the surgery is done and apparently successful. I’m still stuck here and getting more & more miserable. Main source of misery is that I can’t get them to remove a nasal-gastric tube that’s no longer needed and is increasingly uncomfortable & painful. They stuck this down my gullet to…
  • Waylaid!

    funny
    27 Jun 2015 | 6:04 am
    In the hospital. Have been for several days. Bowel obstruction. Surgery probably upcoming. Not very coherent: doped to the teeth on morphine. Watch this space. Will be back someday.
  • Done Duck

    funny
    25 Jun 2015 | 5:16 am
    Well, Duck is now definitively gone. I’d say Ruby the Corgi had chased her off, but I don’t think that’s quite the case. As the days have progressed on their summer trek toward Hell Central, Duck has spent less and less time on her nest. She’s been MIA for hours at a time, which can’t be good for the gestating eggs, even though it’s so hot they can’t very well be cooling off. To the contrary: they’re probably overheated in there. Baked duckling, as it were. Yesterday she was hiding under some other shrubbery, presumably where it’s cooler…
 
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    Lending Club Blog

  • 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…
  • Renaud Talks to Jim Cramer

    Lending Club
    15 Apr 2015 | 10:50 am
    A few months ago, Jim Cramer remarked that he had questions about Lending Club’s business model, and challenged Renaud to come on the show to explain it. Never one to shrink from a challenge, Renaud took him up on it, and yesterday, after his keynote presentation at LendIt, made his debut appearance on Mad Money. Watch the clip here. http://clips.shadowtv.net/media/download/31b3d169394e4a5bb078920fce5e63af/lendingclub_1.mp4 The post Renaud Talks to Jim Cramer appeared first on Lending Club Blog.
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    MintLife Blog | Personal Finance News & Advice

  • How to Be the Host with the Most Savings

    Mint.com
    3 Jul 2015 | 7:00 am
    The long weekend is here: Happy Fourth of July! Chances are you’ll be throwing or attending a festive celebration full of food, friends and a healthy dose of red, white and blue. If you fall on the hosting side of the party equation, you may be tempted to bust your budget on a soiree with lots of bells and whistles. But spend too much on supplies, and you may find your budget in the not-so-patriotic red before the second week of the month! Check out these tips to keep Independence Day free from over-spending: Take Advantage of Local Festivities Who said you have to pull out the grill on…
  • Happy Mid Year: Revisiting Your Financial Goals with a New Years Do-Over

    Brittney Castro
    1 Jul 2015 | 11:33 am
    2015 is now halfway over. Where did the time go? Though July may feel like it got here quicker than usual, now is the perfect time to revisit those financial goals and resolutions you made way back in January – use this moment to evaluate the progress you’ve made with your money and make any necessary changes to stay on track for the rest of the year. Maybe it’s time to spend less on dining out and more on paying off credit card debt. Perhaps it’s time to start thinking about investing or putting more money into your savings account? Or is now simply the time to give your finances a…
  • My Mint Story: I Was Ready for the Worst Case Scenario…and Then It Happened

    Daniel Mollino
    30 Jun 2015 | 2:36 pm
    On Monday, June 29, Minter Daniel Mollino arrived in San Francisco after completing a lifelong dream: riding his bicycle across the United States. After starting in West Orange, NJ on March 30, Daniel faced many obstacles: snow in Pennsylvania, hail in Nebraska and extreme heat in California, but he never stopped pedaling. He had already overcome much more. Here’s Daniel’s personal and financial story in his own words. I am a traumatic brain injury survivor. While working for a cable company in 2010, I fell 20 feet from a telephone poll, and doctors warned my family that I may never…
  • The Supreme Court Ruled on Your 401(k)…and It’s Good News

    Matthew Amster-Burton
    26 Jun 2015 | 9:00 am
    A couple of months ago, a friend asked me for help choosing investments in her 401(k). Unfortunately, the investment options were a collection of expensive, actively managed mutual funds, some with sales charges. The only silver lining was her employer’s matching contribution, which is always a fantastic offering. The price you pay for your investments is very important, yet many people aren’t aware of their retirement account fee structure. Expensive funds can cost a person tens of thousands of dollars (or more!) in fees and expenses over a career. I advised my friend to contribute…
  • Financing Your Furry Friend [Infographic]

    Mint.com
    24 Jun 2015 | 1:36 pm
    Did you know June is National Adopt a Cat Month? Spring is prime breeding season for cats and dogs, so shelters nationwide report an increase in kittens and puppies every summer. If you’re planning to welcome a new pet into your family soon, consider the expenses of pet ownership before visiting your local shelter. Check out our infographic to understand the costs associated with your cat or dog’s first year. If you plan ahead and save, you’ll have a new best friend in no time!  
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    Money Crashers

  • Best New Bank Account Promotions, Offers & Free Money

    Money Crashers
    1 Jul 2015 | 12:10 pm
    With many financial institutions experiencing a decrease in profits, banks are vying for your business. This is good news for you, because instead of just offering standard perks like no fees, free checking, or a free pen when you sign up for an account, some banks are raising the stakes with cold hard cash, giveaways, and […] Best New Bank Account Promotions, Offers & Free Money is a post from the Money Crashers personal finance blog.
  • What Is DIF Insurance (Massachusetts Depositors Insurance Fund) – How It Works

    Brian Martucci
    30 Jun 2015 | 2:20 pm
    If you have a bank account – or even if not – you’ve likely heard of FDIC insurance. FDIC insurance is deposit insurance overseen by the Federal Deposit Insurance Corporation, a federal entity created by the Banking Act of 1933. FDIC insurance guarantees the safety of deposits in checking, savings, and CD accounts held with FDIC […] What Is DIF Insurance (Massachusetts Depositors Insurance Fund) – How It Works is a post from the Money Crashers personal finance blog.
  • 3 Types of Savings You Should Have Right Now: Emergency, Retirement & Personal

    Michelle Smith
    29 Jun 2015 | 3:10 pm
    Money is a leading cause of stress, there’s no arguing it. The almighty dollar worries us more than work, family, and even our health, according to the American Psychological Association. Money-related stress isn’t just aggravating though. It has actually been linked to negative effects on health and longevity, and is also believed to contribute to […] 3 Types of Savings You Should Have Right Now: Emergency, Retirement & Personal is a post from the Money Crashers personal finance blog.
  • Meet “The Compact,” a Frugal Group Dedicated to Buying Secondhand Only

    Amy Livingston
    26 Jun 2015 | 12:30 pm
    One of the keys to living a frugal lifestyle is to shop secondhand. Each person has different rules about what they will or won’t buy used: For example, some are okay with used clothes but won’t buy used shoes, while others buy used DVDs but only new DVD players. But just about everyone who wants to […] Meet “The Compact,” a Frugal Group Dedicated to Buying Secondhand Only is a post from the Money Crashers personal finance blog.
  • What Is a Tool-Lending Library – Benefits & How to Start Your Own

    Amy Livingston
    25 Jun 2015 | 2:40 pm
    One of the most frustrating things about home improvement is having to shell out money for a new tool that you only expect to use once. For example, if your bathroom needs re-tiling, you can’t reasonably do the job without a wet saw, which costs anywhere from $100 to $750. But unless you have another bathroom to re-tile after […] What Is a Tool-Lending Library – Benefits & How to Start Your Own is a post from the Money Crashers personal finance blog.
 
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    Mighty Bargain Hunter

  • 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…
  • Five tips for hitting the jackpot at your bank

    John Wedding
    23 May 2015 | 6:43 pm
    People make mistakes all the time when they sell things. Having knowledge about what you’re buying gives you an advantage over a seller who really doesn’t know what they have. The more knowledge you have, the larger your advantage. Take collectible coins, for example. Knowing the key years and mint marks — that is, the hard-to-find ones — can mean an instant profit if the seller doesn’t realize he or she has one. They might sell a 1921 Peace dollar for a fraction of what it’s worth. The less you know … As silly as a pawnbroker not knowing the key mint…
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    Spilling Buckets Personal Finance

  • Shopping around for the best vacation deals online

    Ryan
    22 Jun 2015 | 1:23 pm
    In these times of economic strife, consumers are being careful when spending their discretionary dollars. The desire to stretch the vacation dollars and seek value while planning a vacation cuts across all income groups. So what are some of the value tips that you can keep in mind while planning your vacation? Let’s take a look: Book off-season Almost every destination has a peak season and an off-season when tourist arrivals are low. Everything ranging from airfares to hotel rooms is going to be cheaper in this off-season period. The cost of a trip to France, for instance, can be 60%…
  • Get the best for your money with great value cleaning services

    Ryan
    3 Jun 2015 | 10:02 am
    There is nothing quite as satisfying as sitting back, relaxing, and enjoying a clean home after a long day at work. It is a well-known fact though, that few people actually enjoy the task of cleaning, particularly if this involves cleaning upholstery, carpets, or the exterior of your home. Luckily, help is on hand, and there are numerous ways – hacks if you will – to save money on certain tasks so that you can spend as much as possible on necessary professional services. Cleaning hacks for your home If you’re about to tackle a cleaning task in your home, stop. Do you know what you’re…
  • Updating your interior to impress potential buyers

    Ryan
    30 Apr 2015 | 10:41 am
    First impressions are important, but never more so than when you are trying to sell your home. As soon as a potential buyer pulls up outside, they are starting to form an opinion about how they feel about your house, and question whether they can see themselves living there. Something quite small, such as the smell, or the crowded feel of a room, could make all the difference as to whether or not they decide to put in an offer. Presenting your home when you want to sell Personal clutter, belongings and ornaments can be off-putting, embarrassing, detract from the size and versatility of the…
  • Good Credit Scores: The Best Kept Secret to Immediate Savings

    Ryan
    26 Mar 2015 | 11:29 am
    As the struggle to make ends meet becomes more challenging for households around the US, everyone is looking for ways to cut back. From switching insurance providers to cutting back on entertainment expenses, every penny saved is a penny that can be contributed to other expenses. While there are plenty of methods you can use to save money, one that is often overlooked is improving your credit score. Most would assume that you improve your credit score so that you can borrow money or qualify for certain services, but what is not clearly understood is that a good credit score equals instant…
  • Essentials to look for in your next home

    Ryan
    11 Dec 2014 | 3:22 pm
    Shopping for a new home is always exciting. There are so many aspects to consider and requirements to be met. However, other than the size of the kitchen or the number of bedrooms, you should also pay attention to the building’s energy efficiency rating. If you are not careful a poorly constructed or designed house can cost you thousands in utility bills and climate-control costs. Luckily, it is possible to have a beautiful home that is economically sustainable as well as environmentally friendly. Below are some energy and cost-saving features you should look out for when choosing your next…
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    Liberta

  • 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.
  • Barbarous relics finding a home in Switzerland

    Francois Viljoen
    28 Oct 2014 | 2:44 pm
    Switzerland is a country where very few things begin, but many things end. F. Scott Fitzgerald On the 30th of November the Swiss will head out to vote on whether or not their currency will become partially backed by gold again. If the result is a “yes”, the Swiss National Bank will have to repatriate […]
  • SARB hikes interest rates

    Francois Viljoen
    18 Jul 2014 | 12:04 am
    The South African Reserve Bank (SARB) governor Gill Marcus announced yesterday that the REPO rate will be hiked by 25 basis points. This is the second rate hike this year and takes the REPO rate up to 5.75% and the prime rate up to 9.25%. Yes folks. It has started.
  • Democracy in Action

    Francois Viljoen
    23 Jun 2014 | 1:49 am
    The best argument against democracy is a five-minute conversation with the average voter. Winston Churchill If you live in a “modern democracy” and you think you are going to vote your way out of trouble, in my judgment, you are rather optimistic.
  • If Solomon was a Baby Boomer

    Francois Viljoen
    19 Jun 2014 | 7:32 am
    The borrower is servant to the lender, except when borrowing to finance the purchase of a house, or a car. Proverbs 22:7, New International Baby Boomer Translation
 
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    Girls Just Wanna Have Funds

  • 4 Reasons Why Your Business Will Fail (#4 is so true!)

    Ginger
    30 Jun 2015 | 5:30 am
    You’ve probably heard about the Bloomberg report that confirmed eight out of 10 businesses fail within the first 18 months. It’s a scary data point that operates as a cautionary tale for potential start-ups. When you choose to build your own company, the odds are against you. If you’re considering such an endeavor, do your homework and learn from the mistakes of those who came before you. Here are four reasons why businesses fail and tips for how to avoid them. Lack of a Viable Revenue Stream No matter how great your intentions are for your new enterprise, there simply has to be a…
  • The Sooner You Know The Truth About Becoming An Uber Driver The Better

    Ginger
    22 Jun 2015 | 4:30 am
    Driving with Uber probably offers more financial benefits than you know. Consider how these four benefits could affect your financial health. Make More Money Than Other Drivers The average Uber partner earns a little over $19 for every hour he or she drives. That’s significantly higher that what many professional drivers earn. Uber’s research shows that: Taxi and limo drivers earn about $11 per hour Delivery truck drivers earn about $13.23 per hour Courier drivers make about $13.35 per hour Bus drivers earn about $14.25 per hour The only other people who make nearly as much money…
  • Money Mistakes That Can Break The Bank + Your Relationship – On The Joy Sutton Show!

    Ginger
    19 Jun 2015 | 7:02 am
    Hey Girlfunds! I apologize for my personal absence here but rest assured I have been busting my tail behind the scenes on a few things in store for later this year.  I’ve been doing a lot of media and press since the Elle magazine feature in April and one of those interviews goes live this weekend.  I need to do a better job of posting them here so bear with me as I get my stuff together! Two weeks ago I taped a segment for the Joy Sutton show and it was awesome!   I had so much fun because Joy and her staff are just nothing short of awesome!  I love helping women make better…
  • Trade Stock From Your Smart Watch? We’ve Got An App For That!

    Ginger
    19 Jun 2015 | 5:30 am
    The Apple Smart Watch launches in a few days.  And among the neat features is the ability to trade stock, open and close positions and them some – from your wrist. Hello game changer! This no doubt brings markets closer to traders than with previous applications.  Why?  This takes mobile trading to a new level. Check out some of the game changing features below: Spread bet, trade CFDs, and buy and sell stocks Get iPhone app notifications on your wrist Open positions and view markets from your watch lists Open, edit and close positions, or see all open positions and your last seven…
  • Get Up To 20% Cashback Shopping With Dollardig.com

    Ginger
    16 Jun 2015 | 8:07 am
    Who loves cash back rebates for random and routine purchases?  I do!  If you shop at Best Buy, Target, Ebay, Walmart, Pier 1 Imports and other popular (even the not so popular) stores, you’ll get cash back if you go through DollarDig.com.  Up to 20% in some cases! What Is Dollar Dig? DollarDig is a website which gives you cash back incentives when you shop with their network of 3000+ stores.  You’ll get  cashback on almost anything you can buy online – better yet at some of the highest rates. What You Need To Know Here’s the rundown of what you need to know when…
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    The Finance Buff

  • Conversion Options In Term Life Insurance

    Harry Sit
    30 Jun 2015 | 6:51 am
    As I mentioned in a previous post, I’m buying term life insurance from Ohio National. Ohio National sells two types of tem life policies: a regular or basic term policy and a Term Plus policy. What’s the difference between the basic policy and the Plus policy? The conversion right. What’s Conversion? Conversion means converting the term life policy to a permanent life insurance policy offered by the same company, at the same health rating without another health exam. Converting doesn’t mean that your term policy will just turn into a permanent policy at the same low…
  • 529 Plan Deduct and Run

    Harry Sit
    23 Jun 2015 | 6:41 am
    The previous articles on 529 plans mentioned that 22 states either don’t have a state income tax, don’t offer a tax benefit for 529 plan contributions, or offer a tax benefit whether you use an in-state plan or an out-of-state plan. If you live in one of the 22 states in the map above, you are free to send your 529 plan money anywhere. You can use the Utah plan for DFA funds, the Colorado plan for a stable value fund, the New York plan for Vanguard funds, or a mix-and-match of different plans. Another 11 states and Washington DC offer a state tax incentive for contributing to an in-state…
  • Non-Financial Aspects of Going From Two Paychecks To One

    Harry Sit
    16 Jun 2015 | 6:39 am
    This week marks the start of a new chapter in our life journey. As I mentioned in From Aggressive Saving To Living Paycheck To Paycheck in January, we are taking a voluntary cut of our income this year relative to last year. It started this week. As the more timid one, I sent my wife Linda to the front line of this new adventure. I said “You try it first.” She bravely accepted the task. She gave notice to her employer two weeks ago. Last Friday was her last day. Because she still worked half a year, our income in 2015 will be only 25% less than last year. By 2016, our income will…
  • Backdoor DFA: Buy DFA Funds Without An Advisor

    Harry Sit
    9 Jun 2015 | 6:49 am
    If you read enough about investing in index funds, sooner or later you will come across DFA funds. Authors who are also investment advisors mention DFA funds in their books and articles. DFA funds are said to be better in that they capture the small cap and value factors better. Their small cap funds invest in smaller companies. Their value funds score higher on the value scale. The catch is that you can’t buy DFA funds without a DFA-approved financial advisor. Those who don’t want to pay an advisor to join the club wonder whether they are missing out on something when they are…
  • More Lifestyle Inflation: Fresh Organic Vegetables From a CSA

    Harry Sit
    2 Jun 2015 | 6:53 am
    I’m enjoying lifestyle inflation in my pursuit toward living from paycheck to paycheck. Last time I talked about making latte with freshly roasted coffee beans instead of beans in a bag from grocery stores. This time I want to talk about getting fresh organic vegetables from a CSA. CSA is Community Supported Agriculture. It’s basically a subscription program run by a farm. They put together a box of in-season vegetables (sometimes with fruit) every week. They deliver the boxes to a distribution point in the neighborhood. You go get your share from the distribution point. This cuts…
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    Maximizing Money

  • Fandango Visa Checkout $10 Movie Ticket Discount on Saturday and Sunday

    Max Messner
    3 Jul 2015 | 5:28 pm
    You can get $10 off your Fandango movie ticket purchase on Saturday and Sunday when you pay with Visa Checkout through September 6, 2015. The post Fandango Visa Checkout $10 Movie Ticket Discount on Saturday and Sunday appeared first on Maximizing Money.
  • Ebates $10 Gift Card Bonus and $50 Tell-A-Friend Promotion

    Max Messner
    3 Jul 2015 | 1:30 pm
    The Ebates cash back shopping network is currently offering a $10 gift card bonus when you open a new account. Get your Ebates $10 Gift Card Bonus when you open a free Ebates account today. Plus, you can earn $50 when you refer 2 of your friends with the special Tell-A-Friend promotion from July 1st to September 30, 2015. The post Ebates $10 Gift Card Bonus and $50 Tell-A-Friend Promotion appeared first on Maximizing Money.
  • Suffolk Federal Credit Union $20 eStatements Enrollment Bonus

    Max Messner
    3 Jul 2015 | 1:21 pm
    Suffolk Federal Credit Union in Long Island, New York, will give you a $20 bonus to enroll in free eStatements between July 15th and August 31, 2015, plus you'll be entered to win a prize, including a $250, $500, or $1,000 Visa Gift Card. The post Suffolk Federal Credit Union $20 eStatements Enrollment Bonus appeared first on Maximizing Money.
  • JSC Federal Credit Union $100 Checking Account Promotion in Texas

    Max Messner
    2 Jul 2015 | 4:21 pm
    JSC Federal Credit Union in the Houston Bay Area will give you a $100 bonus when you open a Free Checking Account with a direct deposit, Visa debit card, home banking, and eStatements. The post JSC Federal Credit Union $100 Checking Account Promotion in Texas appeared first on Maximizing Money.
  • USX Federal Credit Union $100 Checking Account Bonus in OH and PA

    Max Messner
    2 Jul 2015 | 3:33 pm
    USX Federal Credit Union will give everyone who is eligible to join U$X FCU up to a $100 bonus when you open a Free Checking Account and set up a direct deposit or recurring deposit of at least $500 per month, available through August 31, 2015, at branch locations in Pennsylvania and Ohio. The post USX Federal Credit Union $100 Checking Account Bonus in OH and PA appeared first on Maximizing Money.
 
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    Abacus Wealth Partners

  • Living the Glory Decade

    Barrett Porter
    2 Jul 2015 | 1:59 pm
    When my dear friend Jim is not tending to patients, he’s hiking in Bhutan, skiing in the Rockies or challenging Six Flags’ biggest coasters. At 67 (8.19 squared as he puts it), Jim is my poster boy for how to totally crush it in the glory decade, aka our 60s. Given that we’re living longer these days, you might be wondering why I’m so hell-bent on helping people reach a state of financial independence by age 60. Health Spans vs. Life Spans Health spans aren’t keeping pace with life spans. Average life spans continue to rise, but we’re not (yet) extending our disease-free years…
  • Success Through the Crowd

    Spencer Sherman
    25 Jun 2015 | 3:49 pm
    If you’re looking to do marketing research or raise money for any project or business venture, you need to know about “crowdsourcing” and “crowdfunding.” Crowdsourcing: The “Best Entries” Approach James Surowiecki wrote a book entitled The Wisdom of Crowds in which he demonstrates that 10 experts trying to guess how many jelly beans are in a jar can’t compete with the average of the guesses of thousands of randomly selected people. Crowdsourcing should produce better quality results since you can select the best result from a lot of “best entries” instead of just the best…
  • Death and Accounts: Not So Certain

    Kari Jean Glosser
    18 Jun 2015 | 1:36 pm
    You’ve probably heard some variation of Benjamin Franklin’s quote that “nothing can be said to be certain, except death and taxes.” Given the certainty of death, it’s important to take the time now to think about what will happen to your email, social media and digital media accounts after you die. So what can you do now to ensure the future of your digital property? Review User Agreements Be sure to review the user agreements for all of your accounts in detail, as they will often outline the steps you can take now to control the fate of your accounts at death. Here are two…
  • 5 Steps to Rescue Your 401(k)

    Neela Bushnell Hummel
    11 Jun 2015 | 9:31 am
    Do you know what’s in your 401(k) plan? If you’re like most people, the answer is a resounding “no.” Most plans read like stereo instructions, so you’re not the only one who doesn’t know about their 401(k) plan. However confusing, complicated and decision-heavy these plans are, they’re simply too important to be ignored. And while a 401(k) plan overhaul takes time and expertise, put your plan on the road to success by following five steps. 401(k) Plan Success Step 1: Enroll and Get the Match. For starters, make sure you are actually signed up in a plan. If you’re not, ask the…
  • Do Your Insurance Policies Need a Checkup?

    Barbara Wolf
    4 Jun 2015 | 1:42 pm
    The most current Nationwide Insurance commercial is hilarious. Its purpose is to point out the importance of understanding your insurance policy. Are you paying to insure a plastic kiddie pool when you think you are insuring an Olympic-sized infinity pool? Does your auto coverage reflect the brand-new Tesla you bought or a 10-year-old used sedan? Do you really know what you are paying for? Twice the Coverage—Reviewing Your Insurance Policies To understand your insurance coverage, you need to both read the details in your policy and look at the coverage as it relates to other underlying…
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  • State Won't Let Stores Open on Nov. 22

    4 Jul 2015 | 8:29 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'

    4 Jul 2015 | 8:29 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

    4 Jul 2015 | 8:29 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

    4 Jul 2015 | 8:29 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

    4 Jul 2015 | 8:29 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

    4 Jul 2015 | 8:29 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'

    4 Jul 2015 | 8:29 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

    4 Jul 2015 | 8:29 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

    4 Jul 2015 | 8:29 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

    4 Jul 2015 | 8:29 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

    4 Jul 2015 | 8:29 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'

    4 Jul 2015 | 8:29 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

    4 Jul 2015 | 8:29 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

    4 Jul 2015 | 8:29 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

    4 Jul 2015 | 8:29 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

    4 Jul 2015 | 8:29 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'

    4 Jul 2015 | 8:29 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

    4 Jul 2015 | 8:29 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

    4 Jul 2015 | 8:29 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

    4 Jul 2015 | 8:29 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

    4 Jul 2015 | 8:29 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'

    4 Jul 2015 | 8:29 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

    4 Jul 2015 | 8:29 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

    4 Jul 2015 | 8:29 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

    4 Jul 2015 | 8:29 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

    4 Jul 2015 | 8:29 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'

    4 Jul 2015 | 8:29 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

    4 Jul 2015 | 8:29 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

    4 Jul 2015 | 8:29 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

    4 Jul 2015 | 8:29 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

    4 Jul 2015 | 8:29 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'

    4 Jul 2015 | 8:29 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

    4 Jul 2015 | 8:29 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

    4 Jul 2015 | 8:29 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

    4 Jul 2015 | 8:29 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

    4 Jul 2015 | 8:29 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'

    4 Jul 2015 | 8:29 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

    4 Jul 2015 | 8:29 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

    4 Jul 2015 | 8:29 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

    4 Jul 2015 | 8:29 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

    4 Jul 2015 | 8:29 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'

    4 Jul 2015 | 8:29 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

    4 Jul 2015 | 8:29 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

    4 Jul 2015 | 8:29 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

    4 Jul 2015 | 8:29 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

    4 Jul 2015 | 8:29 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'

    4 Jul 2015 | 8:29 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

    4 Jul 2015 | 8:29 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

    4 Jul 2015 | 8:29 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

    4 Jul 2015 | 8:29 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

  • Save Up To 90% On Your Next Amazon Purchase Using Snagshout

    Peter Anderson
    1 Jul 2015 | 4:46 am
    Snagshout helps you buy products on Amazon for up to 90% off, or more. All you have to do in return is leave a review of the product. Here's how it works The post Save Up To 90% On Your Next Amazon Purchase Using Snagshout appeared first on Bible Money Matters and was written by Peter Anderson. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • Finding Contentment In Your Financial Situation

    Melissa
    30 Jun 2015 | 6:43 am
    What strategies do you use to find contentment in your own financial situation? The post Finding Contentment In Your Financial Situation appeared first on Bible Money Matters and was written by Melissa. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • Use The No Sweat Investing Method To Meet Your Financial Goals

    Joseph Hogue, CFA
    24 Jun 2015 | 6:45 am
    The No Sweat Investing method can help you to reach your financial goals without all of the stress of picking individual stocks. Here's how it works. The post Use The No Sweat Investing Method To Meet Your Financial Goals appeared first on Bible Money Matters and was written by Joseph Hogue, CFA. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • 5 Ways To Give To The Homeless Without Giving Cash

    Melissa
    22 Jun 2015 | 8:23 am
    There are plenty of low cost ways that you can give and make a difference in the recipient’s life as well as your own life. Here are a few. The post 5 Ways To Give To The Homeless Without Giving Cash appeared first on Bible Money Matters and was written by Melissa. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • It’s Not Mine, And That’s A Good Thing

    Brian
    18 Jun 2015 | 4:00 am
    Realizing God was the ultimate owner of all I have has helped me to maintain the proper perspective about money and possessions. Here's why. The post It’s Not Mine, And That’s A Good Thing appeared first on Bible Money Matters and was written by Brian. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
 
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    Christian Personal Finance

  • 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…
  • The $6 tip that made me rethink my approach

    Bob
    18 May 2015 | 11:51 am
    Last weekend I decided to take Linda on a mother’s day trip to Nashville for the weekend. She has proved to be an awesome mother to our baby boy for the last 15 months and she deserved a little trip away. On the morning we were set to come back home, we began packing up. As I pulled out my wallet to leave a tip for the cleaning lady I flipped through the cash and saw that I had $46 (two $20s and six $1s). I opted for the $6 and left it on the pillow. We finished packing up our stuff and made our way into the hallway. As we did, the cleaning lady was standing right there. She was…
  • The one thing I would teach a recent college Grad

    Bob
    18 May 2015 | 7:52 am
    It is so SIMPLE to retire well off, if you make just a little sacrifice now. The alternative is making a huge sacrifice later on (in your 40s) and still probably not doing as well as if you made a small sacrifice now. You just finished your degree and you are probably looking for your first “real” job. This is the perfect opportunity to decide how you would like your financial life to be. You have the choice to spend and buy whatever you feel like which will likely put you in heaps of debt. If you choose this path, you will be in good company. You can be sure most of your…
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    PT Money

  • Radius Bank Hybrid Checking Account Review

    Jason Price
    30 Jun 2015 | 5:00 am
    Have you ever tried to transfer money out of your savings or money market account several times in a given month and eventually hit a roadblock or limit on your ability to do so?  Your financial institution may have sited a federal regulation known as Regulation D (FRB).  It places a limit of six withdrawals or outgoing transfers per month from savings or money market accounts across different methods. The only way to avoid this regulation is to keep your savings in a checking account. However, no one ever wants to do that because your checking account isn’t paying interest or if it…
  • Earn Money Browsing the Internet with Swagbucks.com – Our Swagbucks Review

    Jason Price
    29 Jun 2015 | 7:00 am
    Many of us continue to spend more and more time online as websites support our daily activities. The Internet has also created a new wave of job opportunities in providing online business models. And of course, it also offers us entertainment through videos, social media and shopping. Overall, I get really excited about the earning potentials of online business and that it can replace sitting inside in a cubicle for many people. In today’s post, I’m sharing my experience in checking out Swagbucks.com, a website that rewards you for your online time investment and provides yet another…
  • 10 Inexpensive Powerhouse Foods to Add to Your Diet

    Emily Guy Birken
    25 Jun 2015 | 9:15 am
    Here in America the national conversation on food is never-ending, but the big takeaway always seems to be that healthy eating is necessarily expensive. As a personal finance blogger with an interest in nutrition, that really irritates me. Not only does the advice to simply go forth and buy leafy greens often ignore the financial constraints that many grocery shoppers are facing—convenience foods are cheaper and last longer and are more likely to offer coupons—but it also doesn’t take into account the intimidation factor of eating outside your comfort zone. This is why nutrition…
  • I’ve Saved $1,191.90 Automagically with Digit Since January 15th – My Digit Review

    Philip Taylor
    18 Jun 2015 | 10:15 am
    Since launching the FinCon FinTech Startup Competition (first demo takes place this Sept. 18th), I’ve been exposed to a number of new tech companies with great ideas to help you with your money and investing. One of my favorites to come along is Digit. I’ve been using the service for 5 months now and I’m ready to give my Digit review. Digit (digit.co) is a free service that helps you automate and separate your savings (you guys know this is right in my wheel house). Digit connects to your checking account, automatically and algorithmically withdraws small amounts every few…
  • The 7 People You Should Be Talking with About Your Finances

    Philip Taylor
    15 Jun 2015 | 8:33 am
    The following blog post is part of the The Road to Financial Wellness Blog Tour. Over a period of 30 days, the Phroogal team will go to 30 locations to raise awareness about financial empowerment. Today they will be in Dallas! Our goal is to help people learn about money by starting the conversation. We understand that local conversations can help bring about national awareness. Growing up I didn’t talk to my parents about our finances. I avoided in-depth money conversations with most everyone until I was in my mid-twenties or so. And even then, it was only strangers on the Internet,…
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    RetirementRevised

  • 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…
  • When life events intervene in your retirement plan

    Mark Miller
    26 Jun 2015 | 8:09 am
    Financial plans typically assume a normal retirement age in the mid-60s or beyond, but life events have a way of intervening. Half of all retirees say they left the workforce earlier than planned, according to the 2015 Retirement Confidence Survey conducted by the Employee Benefit Research Institute. The key culprits include health problems or disability and workforce downsizings. Events like that aside, early retirement might just look like an attractive option for affluent people  in their 50s or early 60s, but the risks are substantial and need to be weighed carefully. The major risk is…
  • A new type of annuity for life’s biggest unknown

    Mark Miller
    25 Jun 2015 | 1:42 pm
    How much money you will need to save to enjoy a secure retirement depends on the ultimate unknowable: How long will you live? The possibility of running short is called longevity risk, and the Obama administration last year established rules to foster a new type of annuity, the Qualified Longevity Annuity Contract (QLAC), that would provide a steady monthly payment until you die. QLACs are a variation on a broader product category called deferred income annuities, which let buyers pay an initial premium or make a series of scheduled payments and set a future date to start receiving income.
  • Betting on prevention as Medicare turns 50

    Mark Miller
    18 Jun 2015 | 9:51 am
    Dr. Linda Fried Healthcare is an expense. But what if we looked at it as an investment – especially an investment in prevention of disease? The payback on that investment would be more years of healthy living and less cost treating chronic disease in old age . . . not to mention the human misery avoided. Investment in healthy aging was one of the most interesting themes that surfaced last week at the Age Boom Academy, a two-day symposium for journalists I attended at Columbia University. Age Boom is s joint program of the Columbia Aging Center and the Columbia Journalism School. This…
  • How well do you understand Social Security? Take this quick quiz to find out

    Mark Miller
    17 Jun 2015 | 2:54 pm
    Ready for a quick quiz on how Social Security benefits work? You should. Social Security is the most important retirement benefit for most Americans, and understanding the rules is critical for getting the most out of the program. So, let’s get started. At what age can you receive your full benefit? Can you keep working while collecting a full benefit? If you’re divorced, can you collect a benefit based on your ex-spouse’s earning history? Can you receive a benefit even if you are not a U.S. citizen? Only 28 percent of Americans are able to give correct answers to questions like these…
 
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    Don't Quit Your Day Job...

  • When Having an Emergency Fund is the Right Move – Or, At Least, Not Counterproductive

    PK
    2 Jul 2015 | 2:45 am
    We’ve got a bit of a hangup with emergency funds on this site – we feel that the advice to immediately save 6 months of living expenses in a low-interest high liquidity savings account isn’t the best course of action for everyone trying to reduce their debt. In fact, the demand is counterproductive, in many cases.  Savings accounts pay maybe a percent in interest, but the interest rate on the debt that causes people to hit the search engines looking for sites like this one can be in the double digits – why, again, are we telling people to save for 6 months before…
  • Female Median and 90th Percentile Incomes Since The “Great Recession”

    PK
    29 Jun 2015 | 4:30 am
    In our last piece (it was on male incomes since the Great Recession) we promised you we’d revisit the topic and chart female incomes by age since the recent Great Recession.  Don’t ever let them tell you DQYDJ doesn’t follow through on their promises! So continues our little journey through the IPUMS-CPS microdata.  We’ve been attempting to get a grip on the inflation adjusted earnings – or spending power – of every age for both genders since the recession – yeah, it’s ambitious, but somebody’s got to do it, right? Just as a reminder,…
  • Geographic Arbitrage

    CameronDaniels
    25 Jun 2015 | 10:08 am
    As I mentioned in previous articles, I have moved from Texas to California. With this move came a significant increase in both salary and cost of living. This has led to my savings rate decreasing but my overall dollar savings level staying relatively the same. I wanted to explore the pros and cons of working in a high vs. a low cost of living area and its impact on savings rate as well as retirement savings. Expenses Scale Differently Than Income One of the important distinctions that many have mentioned (and I have found to be true) is that income does not scale quite as quickly as expenses…
  • Why Getting an Emergency Fund While in Debt Ignores the Real Emergency

    PK
    22 Jun 2015 | 4:00 am
    Let’s not bury the lede on this one: in any actual emergency situation I can imagine (short of losing my credit cards) my first move is to… pay for it with my credit cards. My opening sentence was way too verbose, but you know I can’t stop a blog post there.  Let me go over the reasons why my emergency fund philosophy has evolved to my current position.  And yes, I used to be a fan of the classic emergency fund in a savings account Let Me Count The Ways… Low Interest Isn’t Just Annoying – It’s Costly I’m referring, of course, to the fact that…
  • The DQYDJ Weekender, 6/20/2015

    PK
    20 Jun 2015 | 12:20 pm
    I’ve got the motivation back on my graphics card project, ever since getting it running on a Raspberry Pi the other day.  Follow along here if you’re interested in the “engineering hobby” side of PK.  (Yeah, yeah… I know – I have “interesting” hobbies.) Otherwise, you’re in the right spot – the finance spot. Links We Liked! Hey, look, an FDA trans-fat ban!  (It was already banished from my kitchen, so I won’t comment on that part).  I found the WP article on one of the leading advocates for the ban to be quite interesting,…
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    Quizzle Wire

  • Do you really need to pay off your mortgage early?

    Miranda Marquit
    3 Jul 2015 | 6:00 am
    The instinct to pay off debt as quickly as possible is one of the strongest financial urges we have. It makes sense, since debt can drain your resources and prevent you from making other, more beneficial, financial moves. But do you really need to pay off your mortgage early if you want to embrace a smart debt strategy? “We bought a house right after university, and I remember seeing that large sum leaving the account every two weeks,” says Kornel Szrejber, the found of Build Wealth Canada. “I started fantasizing about all the things we could do once we weren’t spending all that money…
  • How to compare credit card offers

    Miranda Marquit
    29 Jun 2015 | 6:00 am
    “The credit card business is super-competitive right now,” says Matt Schulz, a Senior Industry Analyst at CreditCards.com. “People are spending again. Banks are lending again. That’s all led to better deals for credit card customers willing to do their homework.” Rather than getting a credit card from your bank, or accepting the first credit card offer you receive in the mail, Schulz suggests getting out there and actively searching for the best deals for you. Sites like Quizzle offer to help you find good credit card deals, and you might be surprised at what’s available. “Go…
  • 5 non-loan financial transactions that may require a credit check

    Miranda Marquit
    24 Jun 2015 | 6:00 am
    When you think of a credit check, chances are your thoughts jump to loan transactions. After all, the point of a credit history is to provide context for your past credit transactions as a way to predict the default risk you pose to a current lender. The reality, though, is that your credit profile is used for other financial transactions. Just because you aren’t borrowing money, it doesn’t mean that your credit information isn’t being used to make judgments about your level of financial responsibility. Here are five non-loan financial transactions that may require a credit check: Cell…
  • Tips and tricks for saving during summer travel

    Cathy
    22 Jun 2015 | 6:00 am
    It’s summer, and you’re going on vacation! Your transportation is booked, and your hotel is paid for. But you still want to save money while you’re away from home. Here are some tips and tricks to maximize your fun while minimizing your expenses: Determine if travel insurance is right for you. You probably already have some insurance coverage through your homeowner’s or renters policy, and possibly through a credit card if you used one to pay for travel-related expenses. However, under some circumstances, it may make sense to purchase additional travel insurance. For…
  • How to whip your credit into shape before you apply for a mortgage

    Miranda Marquit
    19 Jun 2015 | 7:59 am
    One of the biggest purchases you will ever make is likely to be your home. A home purchase is usually so large that you need to borrow money to complete it. Your mortgage is a large amount to borrow, no matter the price of your home. As a result, one of the best things you can do if you want to save money over time is to get the lowest possible mortgage rate. The most important factors considered by mortgage lenders when determining your rate is your credit score. “The higher your credit score, the lower the rate you’ll get for your mortgage,” says Beverly Harzog, the author of The Debt…
 
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    Get Out of Debt Guy

  • Where Can I Get Money for International Medical School?

    Steve Rhode
    3 Jul 2015 | 8:02 am
    Question: Dear Steve, This is my second time asking you a question. It has been a while now, but I want to say thanks!!!! I really admire your desire to give FREE advice Steve. We need more people like you in this world!!!You are a wonderfully great person. My question is I am in a ... The post Where Can I Get Money for International Medical School? appeared first on Get Out of Debt Guy - Steve...
  • Worthless Illegal Robocalls Pitching Credit Card Interest Rate Reductions – STOPPED

    Steve Rhode
    30 Jun 2015 | 7:31 am
    Another Action Targeting Robocalls from “Card Member Services” At the request of the Federal Trade Commission and the Florida Attorney General, a federal district court has temporarily halted an Orlando-based operation that has been bombarding consumers since 2011 with massive robocall campaigns designed to trick them into paying up-front for worthless credit card interest rate ... The post...
  • Here is Exactly Why People Who File Bankruptcy Are Smart

    Steve Rhode
    30 Jun 2015 | 7:09 am
    I seem to spend a lot of time educating people that most everything they know about bankruptcy is just plain wrong. In fact a friend of mine just told me they were going to file bankruptcy and my answer was, “congratulations.” You see, even studies by the Federal Reserve Bank of New York have come ... The post Here is Exactly Why People Who File Bankruptcy Are Smart appeared first on...
  • The First Steps to Take Before You Start Paying Your Student Loans

    Guest Post
    30 Jun 2015 | 3:55 am
    It’s a whole new world once you leave the cocoon of college and head off into the real world to make a living. You’re no doubt overwhelmed with getting a job and finding a place to live. That’s understandable. But if you paid for your college education with student loans, it’s also incredibly important to ... The post The First Steps to Take Before You Start Paying Your Student Loans appeared...
  • Why Working Longer to Save More Is a Bad Retirement Strategy

    Guest Post
    29 Jun 2015 | 11:57 am
    If your retirement plan mostly consists of working longer to earn and save more money, you might need to rethink that strategy. The 2015 Retirement Confidence Survey from the non-profit Employee Benefit Research Institute (EBRI) and Greenwald and Associates revealed that many people are unprepared for retirement because they left the workforce earlier than expected and ... The post Why Working...
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    CreditShout | RSS Feed

  • Paying with Your Phone: The Future of Payments is Here

    Christine Layton
    30 Jun 2015 | 7:59 am
    A few years ago we pondered when using you mobile phone would become the future of payments. With that introduction of ApplePay, that future is now here in a big way.The rise of debit cards nearly eliminated cash from most consumers' wallets. Now, mobile payments threaten to do the same to debit and credit cards. […] The post Paying with Your Phone: The Future of Payments is Here appeared first on CreditShout.
  • Springleaf Financial – Review of Personal Loan Program

    Christine Layton
    24 Jun 2015 | 5:30 am
    Springleaf Financial is a bit unique in the online personal loan space because it has been in business for over 90 years and has a nationwide network of branches. In fact, they advertise that "2 out of 3 Americans live within 25 miles of a branch."With that history and presence, Springleaf is a top direct […] The post Springleaf Financial – Review of Personal Loan Program appeared first on CreditShout.
  • Does Sprint Require a Credit Check?

    David
    22 Jun 2015 | 10:55 am
    Q: I am thinking about switching wireless carriers? Does Sprint require a credit check from new customers?A. You can expect Sprint to require a check of your credit when you open a new account for wireless phone service. In this regard, Sprint is no different from the other cell phone carriers - or even utility providers […] The post Does Sprint Require a Credit Check? appeared first on CreditShout.
  • Top Deals and Offers

    Kevin
    22 Jun 2015 | 5:26 am
    CreditShout scours the internet to find you the best deals, offers, and signup bonuses to help you master your finances!Cell Phones & Service Join Verizon and get $100 credit. New Smartphone Edge activation and number port-in req'd. Bill credit applied within 2-3 cycles. Valid Thru: 7/25. Get the Deal Verizon Wireless Prepaid Phones - No […] The post Top Deals and Offers appeared first on CreditShout.
  • Best Cash Back Credit Cards for 2015

    Kevin
    16 Jun 2015 | 10:00 am
    Who doesn’t love getting cash back? Cash back credit cards allow you to earn cash back on every day purchases such as groceries, gas, drug store purchases, even money spent dining out at restaurants. All of these every day purchases add up. By using a cash back rewards card you can save hundreds, even thousands […] The post Best Cash Back Credit Cards for 2015 appeared first on CreditShout.
 
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    Credit Card Chaser

  • 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…
  • Getting The Best Exchange Rates When Traveling In Foreign Country

    Alice
    25 Jun 2015 | 4:25 pm
    Traveling to foreign countries requires cash when you are on the ground. You bring along money that will help you have fun on your trip, but you cannot take cash indiscriminately. Search for the best exchange rate you can find for your cash, and ensure you are using the steps listed in this article. Each step explains how you can use cash in a foreign country without losing money when you exchange from country to country. #1: Use Your Bank Your personal bank is the best place to get good exchange rates when you are traveling abroad. There is no guarantee that your bank will have branches in…
  • Does This Affect My Credit Score?

    Alice
    16 Jun 2015 | 1:59 pm
    A person’s credit score is a bit of a snapshot of their financial history. With a multitude of factors influencing the overall rating, called a FICO score, credit reports can be a bit of a mystery as to how they are calculated. The general premise is simple, however, and should be well known for the fiscally conscious. To know the ins and outs of keeping a healthy credit score is the key to receiving access to better interest rates and more credit availability. What is a Credit Score? In a nutshell, a credit score is a numerical rating as to how trustworthy the score holder is in terms…
  • Does Living In An Expensive City Make You Happier?

    Alice
    12 Jun 2015 | 2:41 pm
    Living in an expensive city can help residents lead happier lives, but lives are not made purely from expenses. Residents must understand what an expensive city does for them when they live in the heart of it all. Anyone considering a move to a large city with a high cost of living must read further to learn what an expensive city offers. These cities may require more money to live a comfortable lifestyle, but these cities offer things smaller towns cannot. #1: Connections A large and expensive city always has people who share interests with other residents. Any resident with any hobby may…
  • Are You a Slave to Money?

    Alice
    4 Jun 2015 | 3:39 pm
    Money is a necessary tool for living in today’s society. However, all too often we let the tool control us. If we forget that money is a tool and think only about its necessity, money quickly takes control of our lives. How do you know if you are a slave to money? The answer has nothing to do with wealth or class. The poor, middle class, and rich of all professions can be trapped by money. It has nothing to do with personality. People can be kind, cold, or sweet, but have financial problems. It doesn’t even have anything to do with their outward management of money. Spendthrifts and…
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    Ready To Be Rich

  • How Filipino Entrepreneurs Can Compete In The South East Asian Arena

    Fitz
    2 Jul 2015 | 1:32 pm
    The ASEAN Integration is just around the corner, and there is a need for Filipino entrepreneurs to prepare for the opportunities and challenges that this will bring. Today, my friend Sean General shares the lessons he learned from a professor, on how SME business owners can become a competitive player in the ASEAN market. Let’s […]Note:This is just a preview. Read the full article at Ready To Be Rich by clicking this link: How Filipino Entrepreneurs Can Compete In The South East Asian ArenaAttend a FREE Personal Finance SeminarLearn practical money management and investing…
  • What To Do When You Need Cash and You Don’t Have an Emergency Fund

    Fitz
    30 Jun 2015 | 11:28 am
    Financial emergencies can happen anytime. Without warning, you can lose your job, get sick and be unable to work, run into an accident and be hospitalized, your stuff can get stolen, or your car or home can suddenly need major repairs. These are just a few reasons why it’s important to have an emergency fund. […]Note:This is just a preview. Read the full article at Ready To Be Rich by clicking this link: What To Do When You Need Cash and You Don’t Have an Emergency FundAttend a FREE Personal Finance SeminarLearn practical money management and investing strategies from the…
  • How To Analyze Your Expenses, So You Can Lower Your Spending and Save More Money

    Fitz
    24 Jun 2015 | 2:25 pm
    It’s not how much you earn, but how much you save that’s more important when it comes to growing your wealth. And when it comes to saving money, analyzing your expenses is a necessary part of the process. Today, I’ll teach you how I analyze my expenses, so that you can determine possible ways to […]Note:This is just a preview. Read the full article at Ready To Be Rich by clicking this link: How To Analyze Your Expenses, So You Can Lower Your Spending and Save More MoneyAttend a FREE Personal Finance SeminarLearn practical money management and investing strategies from…
  • When You Hate Your Job, But You Can’t Afford To Quit

    Fitz
    21 Jun 2015 | 1:05 pm
    “I don’t like my job anymore,” says a friend to me. “But I can’t quit because I’m supporting my family.” “Have you tried finding another job?” I asked. “I am trying to look for one,” he replied. “But those I found don’t pay as much as my salary now.” “So just keep looking,” I advised. […]Note:This is just a preview. Read the full article at Ready To Be Rich by clicking this link: When You Hate Your Job, But You Can’t Afford To QuitAttend a FREE Personal Finance SeminarLearn practical…
  • See You at The Money Summit & Wealth Expo 2015

    Fitz
    20 Jun 2015 | 2:02 pm
    One of the events that I always look forward to attending each year is the Money Summit & Wealth Expo, because there’s no other conference that has helped me more financially than this event. From attending the previous years, I was introduced to the world of forex trading, and global investing. And it was also […]Note:This is just a preview. Read the full article at Ready To Be Rich by clicking this link: See You at The Money Summit & Wealth Expo 2015Attend a FREE Personal Finance SeminarLearn practical money management and investing strategies from the IMG Wealth…
 
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    Cash Flow Planning for Life

  • What Type of Commitment Do You Have From Your CPA?

    Mark
    29 Jun 2015 | 11:37 am
    Is your CPA committed to education? Does your CPA use cutting edge technologies? Do you receive quality service? These are the type of questions that your CPA should be happy to answer for you, giving you the “peace of mind” that you deserve. Don’t settle for anything less. Work with a CPA that is committed to continuous training and is well-versed in working with accounting in all facets of the economic chain. Regardless of the size of your business, personal attention to accounting details are vital to the success of your business. At Makara & Associates LLC, we “provide quality…
  • Alimony and Child Support – From a Financial Perspective!

    Mark
    19 May 2015 | 12:15 pm
    Are you considering a divorce? Do you have children? Are you seeking child support? Will you also be asking for alimony? Learn More About Divorces From a Financial Perspective Thinking about the financial perspective of a divorce can be unsettling. Knowing the changes it can bring can make you feel uncomfortable. Understanding key terms like “alimony” and “child support”, in regards to cash flow and taxes, is key. However, remember they are two terms that can’t be any more different. Alimony Alimony doesn’t have a formula to calculate it, in Florida. Alimony calculations are left…
  • Social Security Planning – What’s Your Plan?

    Mark
    22 Apr 2015 | 1:40 pm
    When will you be eligible to collect your benefits? Have you reviewed your Social Security Benefits Statement recently?  What age is going to work best for you to start collecting your benefits – age 62, your full retirement age or age 70? Nowadays, the subject of planning for your retirement is something that is frequently discussed. Especially the age you should start collecting your social security benefits. Each expert has their opinion. Deciding when to begin receiving your benefits can be a complicated decision. A decision that you shouldn’t take lightly. Remember, collecting…
  • Year-End Tax Tips – Have You Considered These?

    Mark
    12 Mar 2015 | 11:30 am
    Are you a business owner counting down the days to the tax deadline? Are you looking for some business tax tips on deductions that you may have missed? Following up on business expenses that can generate a tax deduction can be time-consuming, especially if you are not familiar with them. Trying to figure out which ones you qualify for may be difficult. Having a guideline to follow can help. Here’s a guide on some of the tax tips you may want to consider: 1. Charitable Deductions ✓    You can’t deduct the value of your time or effort spent doing charitable work, but you CAN DEDUCT…
  • Forensic Accounting Grows as a Diverse New Tool

    Mark
    5 Feb 2015 | 8:55 am
    Do you know the value of Forensic Accounting? Are you in need of a Forensic Accountant? Are you familiar with a Cr.FA designation? Today, there is more awareness and less tolerance of fraudulent activity, creating a greater need for Forensic Accountants. Do you have financial data that needs to be collected, prepared, analyzed, and reported for the purpose of shedding light on discrepancies, possibly in court? Or are you taking the time to educate yourself on the benefits of Forensic Accounting? Forensic accounting specializes in a number of areas. Some of them are:    Insurance claims…
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    Simplified Saving

  • 101 Ideas for Summer Fun {Plus a FREE Summer Bucket List Printable}

    Lisa Thompson
    30 Jun 2015 | 6:56 am
    Are you looking for fun activities to do with your kids this summer?  Look no further!  I’ve put together a list of 101 Ideas for Summer Fun!  Plus, you can print out my FREE Summer Bucket List Printable to keep track of the activities you’re hoping to accomplish!  Some of these items are things my kids look forward to all year (like using the magic bucket at the beach to make sand pudding and going to a water park) and some of these are boredom busters that we employ around here so I don’t have to hear any whining! Make Sand Pudding Go to a Water Park Draw a hopscotch…
  • Free and Cheap Weekend Activities and Events

    Lisa Thompson
    25 Jun 2015 | 6:54 am
    Looking for some fun things you can do this weekend that won’t break the budget?  Here’s a great list of events going on across the country!  Some are events that take place on a weekly basis (like Michaels…which we do every weekend) and others are one time only events. Share this fun,money-saving list with your friends and family. And, if you know of any others to include, please let us know! It is always best to call ahead and make sure that your local store or retailer is participating to avoid disappointment.  If you know of a great event going on this weekend or in…
  • Summer Movie Programs: Free & Frugal Family Fun

    Lisa Thompson
    25 Jun 2015 | 6:21 am
      I’m so excited that so many theaters are bringing back their Summer Movie Programs!  This is a great way to take your family to the movies without breaking the bank!  Most of these movies are family friendly, but you’ll want to use discretion on what is appropriate for your family and your kids. CineMark Century Theaters: There are 2 different money saving movie programs at CineMark. Pay $5 per person for 10 shows when you buy them in advanced. Or if you buy your tickets at the show they are $1 each. See participating CineMark locations (note: some Rave Theaters are now…
  • How To Travel with Kids Like a Rockstar {Upcoming Series}

    Lisa Thompson
    24 Jun 2015 | 5:19 pm
    I have always loved to travel!  I figured that once I got married and had kids that my traveling days would be over.  Fortunately, I was totally wrong.  Since my husband and I both work from home and can pretty much work from anywhere with a good internet connection, we still do quite a bit of traveling.  (We typically spend between 60 and 120 nights away from home each year.) I have had so many people ask how we manage to do so much traveling with kids.  Last year, I shared 7 Tips for Traveling with Kids, but since there are so many different areas to cover, I thought I’d do a…
  • How to Help Your College Student Save Money

    Lisa Thompson
    15 Jun 2015 | 7:57 am
    Help Your College Student Save Money It’s that time of year where graduation parties abound.  And while those who have newly graduated think they know everything, the truth is, they could still use your guidance {whether they believe it or not}. Sending your kids off to college is an exciting time, but it can lead to a lot of anxiety – especially if your net worth is less than a few million dollars.  When my oldest daughter graduated from high school last year, I was really excited, but worried about how she’d survive financially.  If you’re hoping to avoid that…
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    Personal Dividends

  • 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…
  • Will FCC Reclassification of the Internet Matter to Your Wallet?

    Miranda Marquit
    2 Jun 2015 | 5:00 am
    One of the more interesting developments in recent months was the announcement by the Federal Communications Commission that it will reclassify the Internet as a public utility. Champions of Net Neutrality celebrated the idea that the FCC reclassification is expected to prevent Internet Service Providers (ISPs) from charging extra for faster data, and from blocking some content, while telecoms (and the politicians they lobby) are fretting over the fact that they won’t be able to squeeze even more out of consumers and businesses. The treatment of data by ISPs been an ongoing debate for…
  • Have You Thought of Your End of Life Insurance Needs?

    Miranda Marquit
    24 Apr 2015 | 2:10 am
    None of us wants to think about dying. However, it is important our mortality, and consider ways that we can prepare our families for the financial realities that come with our passing. As you consider your end of life insurance needs, here are a few things to consider: Life Insurance If you want your dependents cared for when you pass on, life insurance is a must. This is what can help your survivors cover their living costs later, as well as provide estate planning advantages in certain circumstances. The amount of life insurance you need depends on the following factors: Current age…
 
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    Benzinga Feeds

  • Cantor Fitzgerald: 4 Buy Rated Hotel REITs To Consider

    Bill Stoller
    4 Jul 2015 | 6:48 am
    On July 1, Cantor Fitzgerald analyst Gaurav Mehta published a research note updating earnings estimates, and raising the target price on three of its Buy rated lodging REITs. The based upon the new Cantor Fitzgerald price targets, these four hotel stocks offer investors potential total return opportunities from approximately 16 percent to 47 percent during the next 12 months.
  • Thursday's Hedge Fund Moves: A Look At Small & Micro-Caps

    Javier Hasse
    3 Jul 2015 | 6:36 am
    Many investors consider tracking hedge fund moves central to their strategy. So, let’s take a look at Thursday’s most relevant transactions involving small-cap companies.
  • Loral Space Surges As Leon Cooperman Increases Bet; Other Funds Also Love The Stock

    Javier Hasse
    2 Jul 2015 | 1:31 pm
    Shares of Loral Space & Communications Ltd. (NASDAQ: LORL) surged more than 2.3 percent on Thursday trading, after famed investor and hedge fund manager Leon Cooperman disclosed a 9.2 percent increase in his stake in the company.
  • Why HSBC Hiked SINA's Price Target Today

    Javier Hasse
    2 Jul 2015 | 1:15 pm
    In a report issued Thursday, HSBC analysts Chi Tsang and Alice Cai boosted their price target on shares of SINA Corp (NASDAQ: SINA) from $47 to $67, while reiterating their Buy rating. Latest Ratings for SINA DateFirmActionFromTo Jul 2015HSBCMaintainsBuy Apr 2015Summit ResearchInitiates Coverage onHold Mar 2015BocomDowngradesLong-term BuyNeutral View More Analyst Ratings for SINA View the Latest Analyst Ratings
  • Best And Worst ETFs Of The Week Amid Independence Day Celebration

    David Fabian
    2 Jul 2015 | 12:37 pm
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    Much more than debt, IVA and personal finance from ClearDebt.

  • 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 […]
  • Britain’s personal debt and what the General Election could bring

    Kristian Stock
    5 May 2015 | 6:41 am
    The staggering amount of personal debt in the UK is likely to surprise many people. Our infographic takes a closer look at the figures ahead of Thursday’s General Election. Britain may be out of the economic downturn and seemingly back on the road to recovery, but the incomes of most households in the country continue […]
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    Money Watch

  • Apple Pay Coming To The UK In July 2015

    Rob Lewis
    8 Jun 2015 | 3:54 pm
    Apple has announced that its payment service, Apple Pay, is launching in the UK this July. Apple have partnered with some of the UK banks for the launch, including: Bank of Scotland Halifax Natwest Royal Bank of Scotland Santander HSBC First Direct TSB Lloyds They claim that by Autumn, Apple Pay will work with 70% of UK credit and debit cards. One big omission from the list is Barclays. There will also be over 250,000 locations that will be ready to accept Apple Pay. You will be able to make payments by waving an iPhone or Apple Watch over a contactless payment terminal at retailers such…
  • iZettle Launches Card Reader to Support Apple Pay & Contactless Payments

    Rob Lewis
    19 May 2015 | 2:53 pm
    iZettle has announced that it is the first major mobile payments company to offer small businesses a card reader that enables contactless payments and supports the long awaited Apple Pay. From today, iZettle’s new contactless card reader, the Card Reader Pro Contactless, is being distributed to select partners across the United Kingdom, followed by a wider launch on June 1. The new hardware will gradually hit markets globally in the coming months and will retail for around £79, with price variations depending on markets. “The launch will make iZettle the first company of its kind to…
  • Halifax: Mobile Banking Soars As Customers Bank On The Move

    Rob Lewis
    18 May 2015 | 2:57 pm
    In its first quarterly “Digital Dashboard”, Halifax has announced a large growth in mobile banking amongst its users. Mobile banking has seen monumental growth in the past 12 months amongst Halifax customers, with almost a 100% increase in the number of logins via mobile in March 2015, compared to the same month in the previous year. The Halifax Digital Dashboard shows that in March 2015, Halifax customers logged on to their bank account almost 40 million times using their mobile phone, compared to around 20 million in the same month in 2014. This represents an almost doubling…
  • Pennies Budgeting App Now Available For Apple Watch

    Rob Lewis
    30 Apr 2015 | 2:59 pm
    The Pennies Budgeting app, which we looked at previously when it was released for the iPhone, has now launched on Apple’s latest gadget, the Apple Watch. On the Watch app, you can view all of your budgets, add in any spending or money received, and see historic transactions you’ve made. The app’s fresh and simple design matches the style on bigger devices. Here’s the iPhone version of the app in action:
  • One In Eight Brits Will Switch To Digital-Only Bank This Year

    Rob Lewis
    27 Apr 2015 | 11:00 pm
    Digital-only banks are set to be a hit with UK banking customers when they launch this year, new research has found, with one in eight (13 per cent) claiming that they plan to switch to an account with a digital-only provider this year. Several providers are set to launch services in the UK this year, including Atom and Starling. The online poll of 2,000 Brits, conducted by digital financial services software provider Intelligent Environments, also reveals that more than a third of those surveyed believe digital-only banks will soon become the norm. 34 per cent said that within five years…
 
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    Smart Balance Transfers

  • Don’t Transfer A Balance From Your Friend’s Card

    Jason Steele
    3 Jul 2015 | 4:28 am
    Few people realize that you can open up a new credit card account, with a 0% APR balance transfer offer, and transfer a balance from another person’s account. You can, but the big question is, should you? What happens when you transfer a balance When you transfer a balance, the person receiving the balance is […]
  • Rewards Pro – My Lufthansa First Class Experience

    Jason Steele
    30 Jun 2015 | 2:26 pm
    Among travel rewards aficionados, Lufthansa first class has a special allure. First class is a class of service offered on three class long haul international flights, and it is not to be confused with the domestic first class offered in the United States. When you are traveling on international first class, you receive service that […]
  • Balance Transfers Are About More Than Just Interest Rates

    Jason Steele
    26 Jun 2015 | 11:18 am
    Credit card users love 0% APR promotional balance transfer offers because they give them a chance to save money on interest charges while they pay down their debt. These offers, which last from as little as six months to as long as 21, let cardholders transfer one or more balances from their existing credit card accounts […]
  • Discover’s New Freeze it Feature

    Jason Steele
    24 Jun 2015 | 3:20 pm
    Have you ever wished that you could just turn your credit cards off? In the past, you either had an account or you didn’t, and there was little you could do to pause it. But now, Discover has introduced an innovative new feature called Freeze it that is kind of like an on/off switch for your […]
  • How To Earn 3% Cash Back On Everything

    Jason Steele
    22 Jun 2015 | 2:43 pm
    You can’t argue with the value of plain old cash back, especially as airlines and hotels continue to tinker with the value of their points and miles. Yet many credit card users are not very excited to earn just 1% or even 2% cash back. But now, Discover it offering their new it Miles card, […]
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    Credit.com

  • 20 Odd Ways to Make Extra Money

    Maryalene LaPonsie
    3 Jul 2015 | 9:01 pm
    There comes a time when almost everyone could use a little more cash in their pocket. While a part-time job may be your best bet for a steady stream of income, delivering pizzas or waiting tables might not be your thing. Or maybe you just need a little extra fun money to support your designer shoe habit. Whatever the reason, we have a slew of unusual ways for you to bring in extra cash. 1. Sell Your Body No, not that way! Instead, sell your plasma or even your hair. Either can be legally sold for money. Unfortunately, the government frowns on you selling a kidney — something…
  • Can a Down Payment Be Too Big?

    AJ Smith
    3 Jul 2015 | 9:01 pm
    Building up savings can feel good. It’s nice to know you are working toward and getting closer to your financial goals, especially when the goal is the biggest financial decision of your life — buying a home. When you are figuring out how much home you can afford, it’s important to look at both the upfront and ongoing costs. This means calculating your potential monthly mortgage in addition to considering how large of a down payment to make. But once you’ve saved up enough for that down payment, it doesn’t necessarily mean you should rush to sign the papers. Consider the…
  • The Secret Way to Get Rid of an Old Debt

    Gerri Detweiler
    2 Jul 2015 | 9:01 pm
    Resolving a collection account can feel like lifting a weight off your shoulders: You can finally move on. But what happens when it comes back to haunt you again? Can you ever really put a bad debt behind you? A reader with the screen name “Frustrated” shared their story on the Credit.com blog: We used a debt consolidation company in 2010 to settle some credit cards. A (credit) card was settled for about half the amount owed and the rest charged off, which shows on our credit report. We are now getting calls from a collection company for the remaining amount. This shows on our credit…
  • What’s the Most Money I Can Get Out of Social Security?

    AJ Smith
    2 Jul 2015 | 9:01 pm
    Social Security retirement benefits are meant to supplement retirement income with contributions made during working years. It may be hard to see the money go missing from your paycheck, but the idea is that when you hit your mid-60s, you will be glad to have some money coming in. A Social Security calculator can help you estimate what benefits you can expect. And while you may have a general idea how your benefits are calculated, here’s some information to help you brush up on the details. What’s the Maximum You Can Receive? How much you receive in monthly Social Security benefits is…
  • I Like It, I Love It: Tim McGraw Is Giving Away Free Homes to Veterans

    Christine DiGangi
    2 Jul 2015 | 9:01 pm
    Country singer and actor Tim McGraw announced he will continue to give away mortgage-free homes to U.S. veterans, which he has done in partnership with Operation Homefront and Chase Bank since 2012. So far during McGraw’s Shotgun Rider Tour 2015, six veterans and their families have received loan-free homes. Since 2012, McGraw, Operation Homefront and Chase have awarded more than 100 veteran families homes, without requiring them to take out a mortgage, as most homeowners must. Before McGraw’s tour ends in September, an additional 30 servicemembers will receive such homes. Buying…
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    AAACreditGuide » Blog

  • Credit Repair & Making Debt Collectors Feel the Heat

    Ereika
    3 Jul 2015 | 6:29 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
    3 Jul 2015 | 6:29 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
    3 Jul 2015 | 6:29 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
    3 Jul 2015 | 6:29 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
    3 Jul 2015 | 6:29 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

  • If a Passenger Falls Off My Boat, What Do I Do?

    Cristel Mohrman
    2 Jul 2015 | 5:00 am
    Boating can give you a chance to feel the wind in your hair and enjoy the sunshine, while providing an opportunity to cool off, too. But even if you take safety precautions, sometimes the unexpected can still happen. Would you know how to respond if someone went overboard? Rescuing an Overboard Passenger Falling off a boat can be dangerous — so it’s a good idea to learn what to do if you ever find a boat passenger overboard. The moment a passenger goes overboard, alert the rest of your passengers by shouting, “Man overboard!” so they are aware of the situation and can…
  • Grilling Ideas: Vegetables, Pizza and Even Dessert

    Cristel Mohrman
    1 Jul 2015 | 5:00 am
    Summer’s here, and for many, that means preparing food on the grill. Whether it’s steak, burgers, chicken, sausages or hot dogs, grilling can be an easy and delicious way to prepare meat. But you may be able to make the rest of your meal on the grill, too. Vegetables, fruits and even desserts can be cooked on the grill. If you are ready to take your outdoor cooking skills to the next level, consider the grilling ideas and tips below. Grilling Vegetables Grilled vegetables don’t have to be limited to kabobs. According to Better Homes and Gardens (BHG), asparagus, sweet…
  • Understand Your Tire Pressure Monitoring System

    Mac Demere
    25 Jun 2015 | 3:46 am
    Warning lights on your dash shouldn’t be ignored. They’re there to alert you when some aspect of your vehicle needs attention, typically in an attempt to protect the vehicle and/or its passengers. But one warning that was added to dashboards in recent years could use some clarification: Tire Pressure Monitoring System (TPMS) light. Photo courtesy of chicagotribune.com The TPMS light is not required by law to illuminate until your tires are significantly underinflated, and the sensor’s sensitivity may depend on the make and model of your vehicle. Every vehicle in the 2008…
  • 4 Ways To Foster Workplace Wellness

    Nicole Markle
    24 Jun 2015 | 4:03 am
    Having healthy employees not only makes for a happier workplace, it’s also a smart way to run a business. After all, healthy employees use fewer medical and mental health services — and that could help save your company money. “Our research shows that 67 percent of employers cite ‘employees’ poor health habits’ as one of the top three challenges to keeping health coverage affordable,” says Jason Lang, team lead, Worksite Health Programs, at the Centers for Disease Control’s National Center for Chronic Disease Prevention and Health Promotion. According to Lang, it’s not…
  • Easy, Natural Ways to Keep Bugs Away From Your Yard

    Nicole Markle
    23 Jun 2015 | 4:01 am
    Gathering with friends and family for barbecues and backyard parties is a hallmark of summer. But the summer doesn’t just bring people out — it also brings out pesky little bugs. If mosquitoes, flies, ants or other annoying insects are hindering your backyard fun, try these easy, DIY bug repellent ideas. Preventive Measures One of the best ways to keep bothersome bugs out of your yard is to make sure you aren’t unknowingly attracting them. According to the Connecticut Mosquito Management Program, tall grass is the ideal hangout for unwanted bugs like mosquitoes. Consumer Reports notes…
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    Centsible Life

  • 5 Epic Date Night Ideas with Schick {sponsored}

    Kelly
    2 Jul 2015 | 12:38 pm
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  • Weighty Matters

    Kelly
    1 Jul 2015 | 9:14 am
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  • Credit Guide: Everything You Need To Know About Credit {sponsored}

    Kelly
    30 Jun 2015 | 5:00 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.
  • June to July Meal Plan

    Kelly
    29 Jun 2015 | 6:38 am
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  • How To Help Your Family Make Healthier Choices {sponsored}

    Kelly
    27 Jun 2015 | 5:33 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

  • The Fifth Domain of War Is Heating Up

    Byron King
    2 Jul 2015 | 3:10 pm
    This post The Fifth Domain of War Is Heating Up appeared first on Daily Reckoning. If you’ve read the news at all lately, you know that the “Fifth Domain of War” is heating up. According to CNN, “Four million current and former federal employees, from nearly every government agency, might have had their personal information stolen by Chinese hackers, U.S. investigators said.” This story from last month is all part of our “Fifth Domain of War” theme — the idea that cyberwarfare and cyberterrorism are going to play a major role in the global military space. And that the U.S.
  • Demographic Dilemma

    Genevieve LeFranc
    2 Jul 2015 | 2:49 pm
    This post Demographic Dilemma appeared first on Daily Reckoning. “The early classical economists — Smith, Ricardo, Malthus, Mill, Marshall, and others — were keenly interested in the role that the young and the aged played in building wealth. Living at a time when birth rates were high and populations were expanding, they wanted to determine how demographic growth changed wages, savings, and output; which classes benefitted; and whether a larger population was a long-term blessing… Two centuries on…we might pose a different question: What happens to the wealth of nations…
  • Good On You, Greece — But Don’t Waver Now (Part 2)

    David Stockman
    2 Jul 2015 | 2:19 pm
    This post Good On You, Greece — But Don’t Waver Now (Part 2) appeared first on Daily Reckoning. Yesterday the embattled Greeks delivered still more body blows to the rotten regime of Keynesian central banking and the crony capitalist bailout state to which it is conjoined. By defaulting on its IMF loan, walking away from the troika bailout program and taking control of its insolvent domestic banking system, Alexis Tsipras and his band of political outlaws have shattered a giant illusion. Namely, that the world’s debt serfs will endlessly and meekly acquiesce to whatever…
  • The Coming Era of Pension Poverty

    Charles Hugh Smith
    2 Jul 2015 | 7:23 am
    This post The Coming Era of Pension Poverty appeared first on Daily Reckoning. The core problem with pension plans is that the promises were issued without regard for the revenues needed to pay the promises. Lulled by 60 years of global growth since 1945, those in charge of entitlements and publicly funded pensions assumed that “growth”– of GDP, tax revenues, employment and everything else–would always rise faster than the costs of the promised pensions and entitlements. But due to demographics and a structurally stagnant economy, entitlements and pension costs are…
  • How to Survive a Screwball Market

    Greg Guenthner
    2 Jul 2015 | 7:15 am
    This post How to Survive a Screwball Market appeared first on Daily Reckoning. If you don’t want to lose your shirt this month, you have to buy the strongest trends on the market. Period. So today is your final installment of this week’s post-Greece craziness “search for strength” coverage. I showed you yesterday how health care and biotech stocks are the strongest and safest     names on the market right now. And today I’m showing you another profitable sector that’s been flexing its muscles all year. If you’re looking to trade this screwball market, this is one place you…
 
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    Canadian Finance Blog

  • 10 Simple Money Saving Tips

    Tom Drake
    29 Jun 2015 | 5:00 am
    Everyone these days wants a better idea of how they can save money. Most of the time, though, the best savings come on everyday purchases, or on regular expenditures that you make. If you want to save more money over time, and if you are ready to improve your finances overall, looking for ways to save money regularly can be a big help. Here are 10 money saving tips that have helped me and hopefully you can benefit from doing these as well. Don’t pay an annual credit card fee. There are many cards that don’t have fees and still include the extras like warranty extension and travel…
  • Want to Start Investing? Take Advantage of this Special Globe and Mail Offer

    Tom Drake
    22 Jun 2015 | 5:00 am
    One of the best things you can do to build long-term wealth is to learn about money and start investing now. However, taking that first step can be difficult when you don’t have the confidence you feel you need to make informed decisions. This is where a product like Globe Unlimited from the Globe and Mail can help. Luckily, right now, the Globe and Mail is offering a deal where you can get 50% off for the first four months of your subscription. You can give it a try and see how well it helps you learn about how money works, and how you can start investing. Unlimited Financial Content…
  • Home Buyers Plan: What is the HBP?

    Tom Drake
    15 Jun 2015 | 5:00 am
    Buying a home can get expensive. After all, a home is a large purchase, and if you want to avoid hassles and difficulties, you need to come up with a down payment of at least 20%. While some Canadian lenders have been accepting less, most homebuyers are better served by coming up with a large down payment. But how do you come up with that down payment? With home prices still rising in many areas, coming up with 20% can seem insurmountable. That’s a large chunk of capital. The answer to this difficulty might be the Home Buyers Plan. What is the Home Buyers Plan? The Home Buyers Plan is…
  • What Is Simple Interest and Compound Interest?

    Tom Drake
    8 Jun 2015 | 7:00 am
    We hear about it all the time. There are few things in the financial world that are givens but even in the most uncertain environment, interest or in terms of stocks, dividends are one of those income streams that make us feel good. Often seen as unchanging, nearly all consumers understand interest because they often pay it on their loans or they earn it in their savings accounts. If you’ve ever applied for a car loan, one of the items you look at first is the interest rate. We all understand that the higher the interest rate, the more money we will pay in the end but let’s look at a few…
  • Boost Your Finances with Cash Back Credit Cards

    Tom Drake
    1 Jun 2015 | 7:00 am
    Rewards credit cards come with a lot of benefits. The savvy credit card user can use rewards as a way to boost finances in the long run. The key is to make your credit card use a part of your regular budget, and see your rewards card as a financial tool. Cash back credit cards are especially helpful. Cash Back Credit Cards = Free Money You can get free money with a rewards credit card, just by buying the things that you normally purchase. It’s true that you can use rewards cards to earn travel rewards, like Air Miles and hotel stays, too. However, many consumers find that cash back…
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    The Dividend Guy Blog

  • Dividend Reads for the Weekend

    DivGuy
    4 Jul 2015 | 2:00 am
    I’m back from my small week off! I wanted to write about my RV trip but I was a bit behind with other stuff. I promise you will read about my adventure next week! In the meantime, I wrote one article this week about what is going to happen to dividend stocks once interest rate starts to rise. Interesting Reads: Bert from Dividend Diplomats writes about his “Greece Strategy”. He made a good list of companies that are more “domestic” and definitely less influenced in by what is happening overseas. However, those stocks will drop in value during the volatile market, but in the end, the…
  • What is Going to Happen With Dividend Stocks When Interest Rates Will Rise?

    DivGuy
    29 Jun 2015 | 2:02 am
    Black Swan fans are always looking for the next bubble to burst Here’s a theory for Black Swan fans; dividend stocks are the next bubble to burst and it will happen at the moment interest rates will rise.   Supporting the Theory Since 2008, interest rates have dropped to the lowest level ever in North America. Insurance companies, pension plans, institutional investors and income seeking investors were all in the same basket; the lack of safe and reliable revenues from their investments. You can’t do much when 5 years bonds pay less than the rate of inflation. What can you do? Look…
  • Dividend Reads for The Weekend

    DivGuy
    26 Jun 2015 | 2:04 am
    As you read these lines, I’m again getting used to life in the RV! I’m enjoying a couple days off with family, but still learning A LOT! Last weekend at Lake Brome showed us we still had lots of technical knowledge missing in order to be prepared for our one-year trip (it’s unbelievable how parking in a very slight downhill can get us all dizzy!). I’ll surely get back with more stories to share on that matter. Between the soccer tournament and the small vacations, I still wrote: Supremex – Is the Money In the Envelope? – This post was in response to a…
  • My Summer Investment To do List

    DivGuy
    24 Jun 2015 | 4:51 am
    Summer is the perfect time to NOT take a vacation from your portfolio Investors often tend to leave their portfolio “as is” for the period between May and September. First, there is the old saying about selling in May and going away since summer months are not the most profitable on the market. Second, there isn’t much activity on the stock market in general. Q2 earnings are not that exciting and economic stats are not at their best. Third, most people take vacations, therefore, their mind is more at the beach than anything else. I think this is where we all make a big mistake. Taking a…
  • Supremex – Is the Money In the Envelope?

    DivGuy
    22 Jun 2015 | 7:08 am
    I don’t usually cover small caps on this blog but one of my readers asked me to take a look at Supremex (SXP.TO), the largest envelope maker in Canada. Supremex Inc is engaged in the manufacturing and sale of standard and custom envelopes, labels and related products. Its products portfolio includes Stock envelopes, RFID card protectors, File folders, Bubble mailers and Degradable window film. As I mentioned previously, the company is a small cap (not even $140M) but pays a dividend yield of 4.21% and the stock exploded by over 50% since the beginning of the year. Since it’s a leader in…
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    Steadfast Finances

  • Thinking of trading online? Choose the best company for you!

    CJ
    26 Jun 2015 | 5:01 pm
    Stock trading is a popular source of income among people, and indeed it is the primary source of income for many. In the past investors would go to brokerage houses in order to trade shares. However, stock trading has reached the next level ever since it met the internet. Investors can now buy, sell and trade shares – all from the comfort of their homes. Stock brokers who were necessary in order to complete transactions in the traditional way are no longer required. What is required for online trading, however, is an online stock trading company. There are many online stock trading…
  • Frugal Ways To Eat Healthy

    CJ
    14 May 2015 | 5:55 pm
    Most people believe you have to be a rich bank account to achieve a healthy lifestyle especially when it comes to eating healthy.  Fear no more because there are ways to eat consciously when it comes to your health.  There are savings that you can benefit from by using coupons from Groupon Coupons.  You only have to print coupons from Groupon Coupon’s website or download the Groupon Mobile App to your smartphone to search and use over thousands of coupons. Kohl’s Grilling your food rather than frying is a great method to eat healthier.  The T-Fal Opti-Grill Indoor Electric Grill…
  • Why Index Funds are Bad Investments

    CJ
    1 Apr 2015 | 3:00 am
    The entire personal finance blogosphere is in love with index funds, and I’m here to tell you why they’re bad for your investment portfolio. This should go over well.  Black sheep anyone? I realize this thesis will not be a popular one, but from my perspective as an active investor and stock picker, I’m here to tell you that index funds have essentially been dead money for the last decade. So why do bloggers constantly recommend index funds? Index funds are very easy to understand. They likely know little to nothing about the stock market. They don’t want to recommend…
  • Discussing Retirement with Parents: Is a Comfortable Retirement No Longer an Option?

    CJ
    30 Mar 2015 | 12:28 am
    Yesterday, I had one of the most unpleasant conversations I’ve ever had on the subject of money. I had to tell a close friend of my family that, in all likelihood, he has not saved enough money for his retirement. This is a man I’ve known since I was a kid.  The same man who taught me how to turn a 4-6-3 double play is asking me for financial advice, and now I’m telling my little league baseball coach he does not have enough money to retire when he hits the age of 65. Not exactly a fair trade if you ask me because I felt like an jerk after delivering the hard truth. The 411…
  • Visualizing How the Things You Own, End Up Owning You

    CJ
    12 Mar 2015 | 6:29 pm
    Due to the popularity of the visualizing how your stuff owns you post from several weeks ago, I thought it would be beneficial if I documented exactly how I use a simple monthly calendar and a few personal finance metrics to visually represent how many hours, days, even weeks, I had to work in order to maintain “ownership” of my stuff when I first entered the workforce. Just to show that all personal finance bloggers aren’t a pristine model of financial responsibility all of their lives, the graphic below represents how my personal finances looked using what I call the…
 
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    The SpendLessTV.com Money-Saving Blog

  • Wallet-Friendly Fourth of July

    SpendLessTV.com
    26 Jun 2015 | 8:40 am
    The Fourth of July… What’s the perfect holiday for easy fun and easy on your budget, too? As Louise Sacco Reilly, from FrugalYankee.com puts it, “The Fourth of July is a dream holiday for frugal people: no one expects you to bring gifts and the entertainment is free!” Fireworks, parades, block parties – so much is available for a great celebration, and we here at SpendLessTV.com have brought you tips on how to make the most of this favorite summer holiday with videos full of money-saving and high-style July Fourth party ideas to put you in a festive mood and let…
  • July 4th (Frugal) Fun

    SpendLessTV.com
    26 Jun 2015 | 8:39 am
      The Fourth of July in the U.S. is a time for celebration, and most folks will be enjoying the warm long summer’s day off with picnic treats, grilling on the barbecue, outdoor and backyard fun, and fireworks. Here are  videos with ideas to add more festive fun to your day, party or event: Celebrate with budget-friendly craft activities to keep the kids happy, delicious recipes for tasty treats, and patriotic decorations for the table, (and yourselves). Have a fun and safe July 4th! Tasting & Table Setting Grilled Portobello Mushroom Burgers – This recipe for juicy…
  • Make Mother’s Day Magnificent (and Budget-Friendly)

    SpendLessTV.com
    7 May 2015 | 9:03 pm
    U.S. Mother’s Day is in May, on the second Sunday of the month. You can make mom feel appreciatedand give her a marvelous day without breaking the bank or draining your wallet with these Mother’s Day ideas that any and every mother would love: Mother’s Day Brunch for 6, Under $35 - Please Mom and your wallet by preparing this easy Mother’s Day brunch; 3-course, serve 6, under $35. Celery, Pear & Hazelnut Salad; French Toast & Berries; Blackberry Bellini. Grace Parisi, senior recipe developer for “Food and Wine” magazine gives recipes. Make…
  • Give Mom the Best and Your Budget a Break for Mother’s Day!

    SpendLessTV.com
    4 May 2015 | 5:17 am
    It’s easy to give mom the best! From easy recipes, to beauty or spa gift basket ideas, to decorating ideas – we’ve got so many amazing affordable ideas for Mother’s Day we just couldnt single any out! So let yourself go and create nothing less than wonderful for mom… you’ll be glad you did! SpendLessTV.com’s categories are brimming with the best ideas to create a day Mom will love: Food, Drink, Cooking Health & Beauty Holidays! Entertain, Event, Party For more specific gift ideas, check this blog post: The Gift… Basket? These posts mention…
  • Earth Day Every Day Saves You Money

    SpendLessTV.com
    13 Apr 2015 | 4:16 pm
    Earth Day… This post was written as Earth day was celebrating it’s 40th year. On the first Earth Day I “celebrated” with my kids a friend, her 5-year old son, my 5-year old son, 1-year old daughter in a stroller and I went into a little tiny strip of wilderness area that stretched along side a street we used to frequently walk along, and we picked up the trash.  I can’t recall how many bags full of garbage we collected, but we were astonished at how much there had been in such a small space, and the kids were really proud that the work they did would help keep…
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    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.
  • Talk To Your Kids About Money

    Gail Vaz-Oxlade
    3 Jun 2015 | 5:00 am
    People happily talk about the latest trends in fashion. People talk about who is popular and who isn’t. People even talk about sex. You know what most people won’t talk about? Money. The Great Money Silence has been with us forever. There are all kinds of sayings about money that... Read more The post Talk To Your Kids About Money appeared first on MoneyProblems.ca.
  • Reset Your Money Thermostat

    Sarah Milton
    20 May 2015 | 5:00 am
    “Everything you’ve ever wanted is one step outside of your comfort zone.” – Unknown My friend Joanne often reminds me that “there’s no growth in a comfort zone and no comfort in a growth zone,” which means that if I want to achieve my biggest goals, I should get used... Read more The post Reset Your Money Thermostat appeared first on MoneyProblems.ca.
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    Financial Samurai

  • Creating A More Defensive Investment Portfolio With Bonds

    Financial Samurai
    3 Jul 2015 | 3:08 am
    With Greece and Puerto Rico on the brink of bankruptcy, stock market volatility has returned. Even US Treasury bonds have sold off with the 10-year yield moving from 1.7% to 2.4% due to a strengthening labor market and signs of inflationary pressure on the horizon. Usually US bonds rally and yields decline during times of uncertainty. Due to such headwinds, it’s getting incredibly difficult to make healthy returns in the stock market. We’re going through an adjustment period as we always do when the Fed plans to raise interest rates. Yet, should they raise soon given the unrest…
  • Scraping By On $500,000 A Year: Why It’s So Hard For High Income Earners To Escape The Rat Race

    Financial Samurai
    29 Jun 2015 | 3:28 pm
    Help! I’m drowning from all my money! I’ve highlighted in a previous article how living off $200,000 a year in an expensive city is really just an average lifestyle. In this article, I’ll discuss how one couple is living paycheck to paycheck while making a combined $500,000 a year. $500,000 a year is a level which I think is considered rich. Anybody who thinks otherwise has no concept of financial reality. Even the government almost agrees after compromising by raising the income level for when the highest marginal tax bracket kicks in to ~$400,000 from $200,000.
  • Gay Marriage Rights, Financial Benefits, And Tax Penalties

    Financial Samurai
    28 Jun 2015 | 3:08 am
    Here are Justice Anthony Kennedy’s words after the Supreme Court voted on June 26, 2015 that same sex couples have a constitutional right to wed. Justice Kennedy was the swing vote. No union is more profound than marriage, for it embodies the highest ideals of love, fidelity, devotion, sacrifice, and family. In forming a marital union, two people become something greater than once they were. As some of the petitioners in these cases demonstrate, marriage embodies a love that may endure even past death. It would misunderstand these men and women to say they disrespect the idea of…
  • When Did Being Rich Become So Evil?

    Financial Samurai
    26 Jun 2015 | 7:15 am
    With good intention, I proposed one way to help level the playing field through a Wealth Identification Program run by our all-powerful government. By identifying wealthy people who got wealthy through 100% luck (born into wealth), we could empower decision makers to make more informed choices when deciding between equally qualified candidates. Whether a decision maker chooses to help the less lucky is entirely up to their discretion. The Wealth Identification Program could also put pressure on life’s lucky winners to use their finances to give back to those who need help the most,…
 
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    Automatic Finances

  • Salary Sharing Taboos and the Memory of Gordie Howe

    Fred Siegmund
    9 Jun 2015 | 7:11 am
    The title of the article reads “Salary-sharing taboo a big hurdle for pay equity.” No single bit of American pretension, vanity and egotism does more to harm the common cause of labor than pay secrecy. It harms more than pay equity; it lowers wages for all. The article cites a LinkedIn survey of a thousand full-time U.S. workers that found 73 percent aren’t comfortable discussing their pay with anyone at their office. Only 13 percent said they were completely comfortable while 14 percent said they could discuss salary with close colleagues but not their wider team. Pay differentials…
  • Review: A Fighting Chance, by Elizabeth Warren

    Fred Siegmund
    8 Jun 2015 | 9:30 am
    Elizabeth Warren’s latest book, Fighting Chance, has the label Political Science on the back cover, but librarians catalog it in biography. It is a little of both, but more the politics of banking and finance and her two-decade role in it. The first chapter does chronicle her growing up in Oklahoma in typical fashion for a biography. It includes education, marriages, children, divorce, college, law school, teaching, and early interest in bankruptcy as a professor of law. Narrative is sprinkled with some personal stories and anecdotes. One story occurred when her young son Alex attended a…
  • Ted Cruz and the IRS

    Fred Siegmund
    13 May 2015 | 9:10 am
    Recently the Washington Post ran an editorial by Catherine Rampell discussing the Ted Cruz proposal to get rid of the IRS. [“Cruz’s Anti-IRS illogic,” Washington Post, 3/24/15] “Imagine abolishing the IRS” he tells his audience, where they “have more words in the IRS code than there are words in the bible.” Congress makes the tax law, which is so complicated the collection process generates additional problems unrelated to the taxes Congress expects us to pay. Since the IRS only operates with forms Americans are forced to pay their taxes by filling out forms filled with…
  • Estate Planning: Do I Need It?

    Tonisha Jones
    11 May 2015 | 7:43 am
    None of us like to think about what happens after we’re gone. When you’re young you think you’re invincible, that nothing bad will ever happen and that the future can take care of itself. But the fact is, anything could happen to us at any time and if you don’t get your financial affairs in order, you could be leaving behind big problems for your loved ones. It is a commonly held misconception that you only need to leave a will if you’re rich but that’s not true. Many of us have more in assets than we realise, not just in cash. And you don’t have to wait until you become elderly…
  • Mobile Payment Trends and Why It Matters

    Blair Thomas
    5 May 2015 | 7:54 am
    According to Nielsen, mobile payment users are engaged in a diversity of mobile payment methods. In 2014, mobile users paid with a scanned QR/barcode (45%), NFC (37%), mobile credit card reader (24%), and mobile peer-to-peer (22%). The variety of ways that consumers pay with mobile seems to be a reflection of the times. Right now small and large businesses are racing and researching to discover how best to get individuals to pay with their mobile devices, which has resulted in the birth of a variety of payment methods and systems that promise to make shopping and bill pay more convenient,…
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    Personal Finance Blog

  • Teaching Children To Give Back

    Twila VanLeer
    28 Jun 2015 | 8:04 am
    Charity is not the exclusive domain of adults. Children, many of whom are over-indulged in today’s society, should be taught that they, too, have a responsibility to society. There are opportunities for community service year-round, although most charitable service seems to be saved for the annual holiday season. Even toddlers can help gather food items for a community pantry. School children can be encouraged to clean the closet now and again and see that usable but outgrown items are taken to a charitable outlet where they can do double duty for others. On birthdays or holidays, teach a…
  • Top Ten Highest Paid Female CEOs

    Twila VanLeer
    26 Jun 2015 | 11:59 am
    Women still are greatly outnumbered by males in the top ranks of money-earners in the United States, but they are outpacing their male counterparts in the increases they see year to year, according to the annual review by Equilar and The Associated Press. From 2013 to 2014, the females noted a 21 percent increase, with the median pay at $15.9 million, the study showed. That compares with a median annual income of $10.4 million for males, a figure down by 0.8 percent from the previous year. Only 17 of the 340 executives included in the survey were women. No. 1: Marissa Mayer, CEO of Yahoo…
  • Reverse Mortgages Not All Positive

    Twila VanLeer
    24 Jun 2015 | 9:23 am
    Is a reverse mortgage worth it in the long run?Older Americans who watch television are besieged by ads that promise a reverse mortgage is the answer to all their financial problems. Often, the ads are touted by such celebrities as actor Henry Winkler, whose old Fonzi character from Happy Days still resonates with the older crowd. Or the messages are given the aura of respectability when they come from someone like Fred Thompson, a former U.S senator. Don’t be too quick to accept all that the ads lead you to believe, the Consumer Financial Protection Bureau warns. They may not be telling…
  • Father’s Day Spending To Reach $12.7 Billion

    Twila VanLeer
    19 Jun 2015 | 8:01 am
    Dads. They’re worth every cent of the $12.7 billion that their admirers are expected to spend for Father’s Day gifts this year. Admittedly not the “spendingest” holiday of the year, that figure still is calculated to bring a smile to the faces of those who peddle electronic “gadgets,” sports goods, tools and, of course, ties, etc., etc. The 2015 Father’s Day Spending Survey conducted by Prosper Insights & Analytics for the National Retail Foundation found that some 75.4 percent of Americans planned to make some gesture for the annual event. The boost in retail sales is…
  • Job Hunt Hints For Young Women

    Twila VanLeer
    15 Jun 2015 | 7:38 am
    Job hunting tips for college graduates.Now, with a college degree to your credit, it’s time to put it to use. But the first foray into the job market can be daunting. It isn’t the same process you used to get pre-college jobs in the fast-food arena. The following tips may help you make it through the maze: Be specific about what you want. Don’t make a blind search hoping to make the right connection. For whom do you want to work? Write down your objectives and narrow the search to pursue those aims. Don’t spend time on positions that don’t fit your objectives. Don’t hesitate to…
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    Unbiased financial advice from fee-only financial planners

  • What Is The Relationship Between Number Of Holdings and Returns?

    Matthew J. Illian, CFP®, AIF®
    16 Jun 2015 | 5:00 am
    Do mutual funds with more holdings have higher average returns? To answer this question, I exported the turnover rate and number of holdings for all the mutual funds in the U.S. Small Cap Value Morningstar category from Morningstar’s website. There were 432 funds represented. I split the 432 funds into the following roughly-equal categories: 0-99 holdings (95), 100-199 holdings (123), 200-499 holdings (87), 500-999 holdings (48), and 1,000-6,000 holdings (79). Here is the relationship between number of holdings and 3-year annualized returns as of 4/30/2015:   In “What Is Turnover…
  • Non-working Spouses Can Contribute to an IRA: Here’s How

    Mike Helveston, CFP®, CRPC®
    16 Jun 2015 | 3:00 am
    As long as there is earned income from one spouse, an IRA can be funded each year for either spouse or both up to the income amount.  So if you are still working but your spouse is not, you can fund an existing IRA for them or open a new account if they don’t already have an IRA. Earned income is generally defined as wages from a job or self-employment income from a business. In 2015, $5,500 a year can be contributed to an IRA ($6,500 if 50 or over).  Even if just one spouse is working a second spousal …
  • Lose Your Health Insurance? COBRA May Help

    jim@blankenshipfinancial.com (Jim Blankenship)
    5 Jun 2015 | 5:00 am
    Former employees recently let go from their job may find themselves wondering what options they have to continue their employer provided health insurance. Generally, an employee is allowed to continue their coverage from loss of employment due to voluntary or involuntary termination, disability, reductions in hours, death, divorce, or becoming eligible for Medicare. The length of time an individual has to remain on COBRA depends on the reason why they lost coverage from their employer. For example, if an employee is terminated either voluntarily or involuntarily he or she will have up to 18…
  • The Art of the Rebalancing Bonus

    Matthew J. Illian, CFP®, AIF®
    13 May 2015 | 9:00 pm
    Portfolio design and rebalancing is both a science and an art. Understanding the science is akin to understanding the physics of why a spinning ball hooks and bends. The art is the execution of the science such as when you are actually playing soccer or golf. It is the execution and follow-through that produces the desired outcome. Knowing that rebalancing boosts returns is useless unless you as the investor have the time, discipline, and nerve to follow through and actually strike the ball. Rebalancing is the most helpful when it is most difficult. Rebalancing involves selling the…
  • The Market Has Been Flat For Six Months — Why This is Great News

    Lon Jefferies, CFP®, MBA
    13 May 2015 | 8:12 am
    Investors have experienced a very uneventful 2015. In fact, at market close on 5/7/15 the Dow Jones Industrial Average was at essentially the same value as it was on 12/5/14, up a total of just 0.72% over the six-month period. This lack of fluctuation has been even more pronounced over the last two months. As of the market close on 5/7/15, the S&P 500 has closed between 2,040 and 2,120 for 66 days in a row. Further, between 4/9/15 and market close on 5/6/15, the DOW hasn’t experienced a 1-month high OR low and has traded within a 2%…
 
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    Budgets Are Sexy

  • The Guy Who Quit His Job to Bike The World

    J. Money
    3 Jul 2015 | 2:06 am
    This isn’t #money related, but it’s #freedom, #happiness, #inspiration related. Make sure to watch it sometime over the weekend :) The guy is Jedidiah Jenkins and it’s only 4(th of July) mins long. ********** [Hat tip to Retire29 who had a nice write up on this. Link to video here if you can’t see.]
  • Net Worth Update: $489,886.10 [Up $2k]

    J. Money
    1 Jul 2015 | 2:04 am
    Wake up, wake up, wake up… it’s the 1st of the month… To get up, get up, get up…. so cash your checks track your net worth and get up…. Welcome to the 1st, yo! Best time of the month in finance-land :) Get to update the ol’ net worth and get re-energized. Even if nothing too sexy is going on with your money. I’ll tell you this much though. If it hadn’t been for running the numbers yesterday there’s no way in hell I would have caught my mortgage company applying my payment last month ALL TO PRINCIPLE instead of the bill itself accidentally!
  • Secret Savings, Accounts, and Debt – Oh My!

    J. Money
    29 Jun 2015 | 2:04 am
    Morning my fiscally sexy peoples! Got forwarded some pretty wild research dug up by the folks at Haven Life recently, and thought we’d break it all down here and spit some truth. Both literally and figuratively – I chopped up the infographic! :) Y’all know my stance on this stuff already (A.G.B.T.T.Y.L.A.M baby! Always Gotta Be Talking To Your Lover About $$$!) but it’s a helpful reminder to all of us. Especially those new to the money scene and trying to get it all worked out. As the infamous Suze Orman says: People first, then money, then things. Gotta keep those…
  • I’ve Got My Mind on My Money & My Money on My Mind

    J. Money
    26 Jun 2015 | 2:02 am
    “Where are my suitcases of cash?” – my wife on graduation day What up, y’all! I’m back! A day in Suckville, well, sucked, but fortunately a dose of fresh air and wondering the real world helped shake me out of it. Did you know there are places called “libraries” where you can get these “printed books” to read? For FREE?? Amazing! ;) Here are some other thoughts that bubbled up while I was away too… even about money, *gasp*. I wanna jump back into philanthropy again. I miss all the good we did with Love Drop back in the day (only…
  • Sometimes I Just Don’t Care.

    J. Money
    24 Jun 2015 | 2:04 am
    Sometimes I just don’t care about money. Or about career, hustling, blogging, early retirement, investing, saving or anything else we talk about here on this blog. And on these days it’s very, very, hard for me to sit down and write to you about it. So today I’m not. Instead, I’m going to tell you what I do on days like this. And that is: anything that keeps me away from doing something stupid! Like buying up something ridiculous, or treating myself to something (I think) I deserve or even selling my blog for a million dollars and being done with it – hah.
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    Smart On Money

  • 10 Ways To Save Money When You’re On A Tight Budget

    Mr. Money
    2 Jul 2015 | 4:08 am
    The economy has been in a tailspin these last couple of years, and many people are finding themselves either unemployed or underemployed.  We all need to make sacrifices at times in order to make ends meet – but sometimes it can be hard to come up with new ways to save. Today I thought I would try and list a bunch of ways to save that my family uses, and hopefully a few of them will be ideas that you hadn’t thought of before. 10 Easy Ways To Save Money Stop paying for cable or satellite TV:  Stopping your subscription TV service can save a ton of money on a regular monthly…
  • How To Watch TV For Free Or Cheap Without Paying For Cable

    Mr. Money
    29 Jun 2015 | 5:25 am
    If you’re anything like me you probably like keeping your expenses to the minimum – while at the same time not sacrificing so much that you’re living an austere existence.   You don’t mind giving up eating out, as well as you’re eating well at home.  You don’t mind having a pre-paid cell phone, as long as you still have a wireless plan and decent phone.  Finally, you don’t mind not paying for cable tv, as long as you can still watch the shows that you enjoy watching. This past year or two we employed a couple of different strategies (legal ones!)…
  • Looking For A Job? Don’t Forget The Tax Deductions!

    Miranda Marquit
    16 Jun 2015 | 9:47 am
    In this tough economy, a lot of people are looking for jobs, or for one reason or another have just quit their job. If you’ve spent some time and effort — and money — on your job search this year, you might be eligible for a few tax breaks. Indeed, many of the expenses that you are likely to incur during a job search are tax-deductible. Can You Deduct That Job Search Expense? Before you get excited, though, you need to be aware of the caveats. First of all, you can’t deduct job search expenses if you have had a long break since your last job. So, if you were laid off,…
  • Are You Ready Financially And Emotionally To Buy A Home?

    Miranda Marquit
    10 Jun 2015 | 10:14 am
    One of the big financial and life milestones that our society still values is the purchase of a home. We assume that a home is going to be a solid investment, even if it’s more of an emotional investment than a financial investment. But are you really ready to buy a home? Casey Fleming is the founder of LoanGuide.com, and he has decades of experience in the mortgage industry. He sees plenty of people buy homes when they aren’t ready for the financial and emotional commitments that come with home ownership. Financial Preparation to Buy a Home Before you buy a home, review your…
  • Is It Time to Dip Into Your Emergency Fund?

    Miranda Marquit
    24 Mar 2015 | 10:08 am
    One of the most important things you can do for your financial security is to build an emergency fund. Unfortunately, many Americans aren’t prepared with a fund that they can tap in the event of a financial emergency. The Americans that do have an emergency fund, though, might not know when to tap into it. It’s easy to feel as though any setback is an emergency. Another temptation is the fact that you have a large amount of money sitting there, and it seems like you could do something better with it, like buy a new TV or go on a vacation. Before you dip into your emergency fund,…
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    Financially Poor

  • Simple Home Budgeting

    Kevin
    3 Jul 2015 | 5:31 pm
    So you’re sitting there living paycheck to paycheck and you ask you’re self “What can I do to stop me from being broke?”. The answer is fairly simple, Stop spending more than you make. If you are using credit cards monthly and you don’t pay off the balance every month, or have no credit check personal loans then most likely you are spending more than you make. What you need to do is take an inventory of your expenses and create a simple home budget. This means making a list of your fixed expenses and then subtracting that from your income. Like this: Yes, power…
  • Using Letters of Credit

    Kevin
    1 Jul 2015 | 5:12 pm
    Letters of credit are used for the purpose of substituting a customer’s credit for that of the banks. This transaction provides the ability to facilitate a trade. Letters of credit are often used for international trading, where a seller lives in one country and the buyer lives in another. There are essentially two types of letters of credit – the commercial letters of credit and the standby letters of credit. The primary payment used for a transaction is the commercial letters of credit and the standby letters of credit are considered as the secondary payment option. Commercial…
  • Sensational Ways to Earn Some Extra Cash

    Kevin
    1 Jul 2015 | 4:43 am
    These days many people find it difficult to make ends meet in a financial sense. A lot of us are still feeling the after effects of the recessions, and as such money is tight. Because of this it’s necessary to look for ways to bring in extra cash. This extra money will help supplement your lifestyle, and give you a bit more disposable income. You need to think about the different ways to earn some extra cash. Of course, there are obvious ways to do this, such as saving up and cutting down on expenses. However, you want to look more at ways you can bring in extra money on top of what…
  • 3 Debt Elimination Mindsets You Need To Have

    Kevin
    29 Jun 2015 | 4:30 pm
    Debt can be a real downer, especially when the people you owe it to keep calling day and night. In order to get out of debt, you need to get in the right mindset. Here are three different mindsets that you need to start getting into. It’s you or them It’s a war between you and the creditor. You messed up and got into debt so they are winning. You now have to go on the offensive and attack that debt like it’s the last thing you’re ever going to do. They don’t care how you pay them as long as you do. Don’t let them control your life, sacrifice so you can set the tone and pay that…
 
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    Couple Money

  • Slash Your Power Bill With CFL and LED Bulbs

    Elle Martinez
    2 Jul 2015 | 10:31 am
    Most couples I know want to see their monthly bills slashed without drastically diminishing their quality of life. One way you can do that is by tackling your big bills. Optimizing your monthly and irregular home expenses can provide you with some huge savings. For those ready, July is all about slashing your home bills – mortgages, utilities, maintenance, and more. We’ll examine ways you can improve your house and save money regularly. Replacing Your Lights with CFL and LED Bulbs To start us off I want to share an easy fix that can save you a ton – replace your…
  • What Are Raleigh Homes Selling For Now?

    guest poster
    29 Jun 2015 | 9:07 am
    As we continue our house selling and hunting project, I thought this guest post will give you an idea of the local market.  During the search for homes in Raleigh, you’ve likely come across a wide assortment of price points, with variances dependent on specific neighborhoods. Each offers a selection of recreational activities, restaurants and nightlife hotspots, but first assess the median housing prices and match your budget accordingly. Check out the following five neighborhoods that have sold the most homes in Raleigh recently. North Raleigh Almost 6 percent of all homes in North…
  • Developing a Money Making Hobby

    Elle Martinez
    25 Jun 2015 | 7:35 am
    What do you like to do in your free time? I admit that I have been guilty of vegging out in front of the screen. Not the TV, but the computer. But I realized that after getting sucked into a game or Netflix, I wasted too much of my time. A few years ago we decided to try and home brew our own beers and eventually meads. If you haven’t done it, I want you to know it’s not complicated (just watch your temps and make sure everything is properly sanitized) and it was a fantastic way to unwind. And the best part was at the end of the process, we had something we could sit back and…
  • Staying on Top of Your Money

    Elle Martinez
    22 Jun 2015 | 5:38 am
    The year is halfway through and this has been one of the busiest we’ve had in awhile. We had our second started at the beginning of the year and with her arrival came LOTS of bills. It took a few months, but we finally got them squared away. I’m still trying to adjust to my new work routine as I take care of both girls during the day. So far I’ve settled into a split shift schedule where I take care of work in the early mornings and wrap things up in the evenings. We’re also in the process of selling our current home and hopefully buying another place more…
  • Staycations, Past Financial Fails, and How to Become Financially Independent

    Elle Martinez
    20 Jun 2015 | 5:00 am
    I think this post title may be overloaded, but it’s a perfect description of this past week. I will be noticeably quiet this weekend as I recharge with my family. Last Sunday I had a wonderful pick me up when Kristia from Family Balance Sheet took a snap of a newspaper article she was reading on Staycation tips. Guess who was included? [See the pic above  ] I was so excited to see that and immediately showed it to my husband and family. Cheesy, I know, but it felt so good to share it with them. Couple Money Around the Web Here are few things I’ve been busy with on the podcast and…
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    Beating Broke

  • 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…
  • Do Your Kids Do Chores?

    MelissaB
    8 Jun 2015 | 6:06 am
    I recently saw an article on Yahoo! that said only 28% of today’s kids do chores versus 82% of kids from our generation. I don’t know about you, but I had chores when I was growing up.  I took care of our pets, washed the dishes, and helped clean the house ALL day on Saturdays.  (I still have nightmares about cleaning each and every slat on our huge stereo.) My kids are definitely part of the 28% of today’s kids who have chores.  My 10 year old is responsible for doing three chores a day including things like vacuuming the living room or his bedroom, emptying the dishwasher, and…
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    MichaelHaltman.com

  • Chicago Puts New Tax in Place

    MichaelHaltman
    2 Jul 2015 | 2:26 pm
    When it comes to the government and taxes, it seems that we need to pay money no matter what we are doing. We have to pay tax when we shop for gas, and we have to pay tax when we buy clothing. Will we soon be facing a tax charge on Netflix use? For those living in Chicago, James Dondero seriously suggests this could be a reality. It seems that Chicago is going to be coming out with a whole new kind of tax, and this tax is one that will affect those who use online streaming content. Those who use sites such as Netflix and Spotify will soon be paying a tax for the service that they receive.
  • Locals Protected Hotel during Mass Shooting

    MichaelHaltman
    1 Jul 2015 | 3:42 pm
    Recently a horrific tragedy struck vacationers who were staying on the beautiful shores of the African country of Tunisia. Those who were relaxing on the beach near Sousse were subjected to a gunman who opened fire on unsuspecting tourists. Like most tragedies, some humanity has risen from the ashes. According to the story on The Telegraph, locals working at a nearby hotel had banded together to form a chain to help shield those inside the building. Those who survived the tragedy said that the locals, who were mostly staff members of the hotel, stood strong together against the attacker. They…
  • Greece’s Decision

    MichaelHaltman
    1 Jul 2015 | 3:28 pm
    When the Eurozone was created, the whole idea was to unite the countries of Europe into one central power. This was done in order to prevent things tragedies such as WWII as well as to give European countries a chance to compete economically and politically against the United States and other, worldly powers. The whole concept was to unite the several countries of Europe with the Euro. With the same currency, the countries would have one of the strongest bonds in the world. Now with Greece defaulting on their massive amounts of debt, the future of the Eurozone is unknown. After failing to pay…
  • Hillary Clinton Sells “Chillary” Koozies and “Grillary” Spatulas

    MichaelHaltman
    30 Jun 2015 | 9:20 am
    Everyone has their own marketing strategies, but it seems that presidential candidate Hillary Clinton has her eyes set on something more unique that most people. Since it is the summer season, she has come out with her own line of “backyard goodies”. According to an article found on reddit and written by Grub Street, Clinton has made herself her own set of grilling tools that she calls “Grillary Clinton” grill spatulas with her initials in the middle for branding. In addition to that she has made her own set of beer or chilled beverage koozies which are called…
  • Greece Shutters Banks for One Week, Restricts ATM Usage

    MichaelHaltman
    29 Jun 2015 | 7:55 am
    Greece continues to grapple with a dismal financial future, and in an unprecedented move, the government have shut down banks for a one week period. According to local report, Grecian officials made the decision to shutter banks while they deal with capital controls after the European Central Bank denied a request for financial help. According to local reports, lines for ATM machines are stretching for blocks as people attempt to withdraw as much cash as possible from their bank accounts. Greek residents fear that the banks will run out of money and that their life savings will be lost. The…
 
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    The Economic Peephole

  • Chicago Puts New Tax in Place

    MichaelHaltman
    2 Jul 2015 | 2:26 pm
    When it comes to the government and taxes, it seems that we need to pay money no matter what we are doing. We have to pay tax when we shop for gas, and we have to pay tax when we... Read more > [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • Locals Protected Hotel during Mass Shooting

    MichaelHaltman
    1 Jul 2015 | 3:42 pm
    Recently a horrific tragedy struck vacationers who were staying on the beautiful shores of the African country of Tunisia. Those who were relaxing on the beach near Sousse were subjected to a gunman... [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • Greece’s Decision

    MichaelHaltman
    1 Jul 2015 | 3:28 pm
    When the Eurozone was created, the whole idea was to unite the countries of Europe into one central power. This was done in order to prevent things tragedies such as WWII as well as to give European... [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • Hillary Clinton Sells “Chillary” Koozies and “Grillary” Spatulas

    MichaelHaltman
    30 Jun 2015 | 9:20 am
    Everyone has their own marketing strategies, but it seems that presidential candidate Hillary Clinton has her eyes set on something more unique that most people. Since it is the summer season, she... [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • Greece Shutters Banks for One Week, Restricts ATM Usage

    MichaelHaltman
    29 Jun 2015 | 7:55 am
    Greece continues to grapple with a dismal financial future, and in an unprecedented move, the government have shut down banks for a one week period. According to local report, Grecian officials made... [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
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    Owning Gold » Blog

  • Is the U.S. planning to pay down its debt with gold?

    dhkenrick
    21 Jun 2015 | 11:50 pm
    Central banks around the world continue to buy gold bullion. As I noted in a previous post, the world’s central banks purchased a total of 447 tons of gold in 2014 alone. That was the second biggest year for buying gold in the last 50 years. And it represented a 17% increase on purchasing in 2013. Why the buying frenzy? Back in the days of the Gold Standard, when the currency issued by a government couldn’t exceed the value of the gold bullion it held in reserve, central banks were compelled to buy and hold gold. There was a direct correlation between gold and debt. In fact, back then,…
  • Gold seems to have lost its narrative.

    dhkenrick
    28 May 2015 | 5:51 pm
    Lost in a good story. Whether you are talking about commodities, stocks, bonds or anything else you care to invest in, their prices are impacted by narrative. And by narrative, I mean the stories people tell. For example, without the bold, upbeat and optimistic narratives coming out of the world’s central banks right now, the state of the global economy would be in much worse shape than it already is. The power of narrative trickles all the way down to the level of individual companies. An upbeat, confident statement by the CEO of a publicly-traded company can result in an uptick in share…
  • Umbrellas cost more when it’s raining. And so does gold.

    dhkenrick
    26 Feb 2015 | 6:19 pm
    Nobody thinks about buying an umbrella when the sun is shining and the sky is blue, without a cloud in sight. If we were totally rational beings, that would be odd. Because we know for a fact that it’s going to rain one day. And we know if we don’t have an umbrella before the rain starts, we’ll not only get wet but will also pay more when we run into a shop and buy that umbrella. But, of course, we are not rational beings. When the sun shines, it feels like it will always shine. We are caught in that same, irrational mindset with gold right now. Stock markets are going up. Employment…
  • Why Central Banks are buying more gold than ever.

    dhkenrick
    23 Feb 2015 | 1:38 pm
    In 2104 the world’s central banks purchased a total of 447 tons of gold. That’s the second biggest year for buying gold in the last 50 years. And it represented a 17% increase on purchasing in 2013. So what was all that about? After all, the price of gold has been falling over the last year. So why would banks want to buy something with a falling value? On the surface, it makes no sense. But it does make sense when you understand that this massive purchase of gold had little, if anything, to do with the price. That buying frenzy wasn’t about the price, or even the gold market. It was…
  • When evaluating gold, forget the markets and look to the Central Banks.

    dhkenrick
    9 Aug 2014 | 6:41 pm
    If you are a trader or speculator in gold, by all means listen to the markets. Your task as a speculator is to make money from the ups and downs in the short-term price of gold. However, if your primary aim is to own gold as a hard asset, you are playing a longer-term game. Sure, you want to buy low. But the weekly ups and downs in gold prices are of no concern to you. You’re in this for the long term. You are holding gold as a security against unforeseen calamities in the future. If you are an owner of gold, rather than a speculator, you should ignore the noise coming from analysts, TV…
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    Compare Australian Credit Cards and Offers

  • Best Credit Card Concierge Services

    Sally McMullen
    2 Jul 2015 | 3:04 am
    If you want to experience a personalised service and assistance on your credit card needs 24/7, check out the different available concierge credit card options listed on this page and find out which one suits your lifestyle. The post Best Credit Card Concierge Services appeared first on Compare Australian Credit Cards and Offers.
  • Top Celebrity Credit Card Transactions

    Elizabeth Barry
    2 Jul 2015 | 1:00 am
    Ever wonder how celebrities use their credit cards? Read more to find out some of the top transactions that celebrities have made on their cards. The post Top Celebrity Credit Card Transactions appeared first on Compare Australian Credit Cards and Offers.
  • How to Balance Transfer Your New Small Business Purchase

    Isaiah James Peralta
    29 Jun 2015 | 10:41 pm
    Want to take advantage of the small business tax break? Here’s a step by step guide on how to balance transfer your next business loan The 2015 Budget introduced a new tax benefit for small business in the form of immediate tax deductions. Now, businesses with an annual turnover of less than $2 million can […] The post How to Balance Transfer Your New Small Business Purchase appeared first on Compare Australian Credit Cards and Offers.
  • How to avoid high interest rates

    Sally McMullen
    25 Jun 2015 | 12:05 am
    Beat the banks at their own game, avoid high rates and fees by finding the best low rate card for you. In May 2015, Australian credit cardholders learned that they had collectively been paying an extra $2.11 billion in interest charges since November 2011 as a result of the banks withholding the Reserve Bank’s cash […] The post How to avoid high interest rates appeared first on Compare Australian Credit Cards and Offers.
  • Coles Low Rate MasterCard – Rates & Fees

    Sally McMullen
    23 Jun 2015 | 4:12 pm
    With a generous interest-free days on your purchases, free membership to the fluybuys loyalty program, and a free access to Coles Mobile Wallet, you can never go wrong with the Coles Low Rate MasterCard. The post Coles Low Rate MasterCard – Rates & Fees appeared first on Compare Australian Credit Cards and Offers.
 
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    Money Spruce

  • 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…
  • Make Your Home Purchase More Affordable

    Justin Weinger
    28 Jun 2015 | 7:07 pm
    The California Housing Finance Agency (CalHFA) launched a fabulous new program last year that will provide 3% of the purchase price of a new home plus an additional $6,500 in down payment assistance through its CalPLUS Conventional program. The program is part of ongoing efforts to make home purchasing more accessible for first-time home buyers. California is an expensive market, especially for mid-west transplants and millennials who don’t have the benefits of years of saving behind them. The CalPLUS Conventional Loan with Zip Extra program essentially provides a 3% interest-free…
  • When to Buy Used VS New

    Justin Weinger
    27 Jun 2015 | 4:22 am
    When you are looking to purchase a vehicle, you will first be presented with the decision on whether or not to buy a new vehicle. There are many reasons why you should buy a used car, but there are also just as many reasons to purchase a vehicle that is new. When it comes to deciding on when you should purchase new, versus when you should purchase a used vehicle, your decision should be based on more than the price of the car payment. Instead of looking at the price and use the following questions to guide you in your purchase. Do You Have a Trade-In or a Down Payment? Purchasing a vehicle…
  • 4 Habits that Lead to Wealth and Prosperity

    Justin Weinger
    25 Jun 2015 | 3:00 am
    If there’s one thing that wealthy people engage in more than the rest of us, it’s habitual behavior. Now, we’re not talking about drinking or smoking habitually, but instead positive financial habits that lead to wealth and prosperity (with a good portion of time thrown in, of course). Let’s face it, very few people become wealthy overnight. In fact, most that do end up losing that wealth quite quickly. What that means for most people (who aren’t wealthy to begin with) is that habitual behavior is a necessity. Simply put, if you aren’t engaging in the following…
  • 7 Need to Know Facts on Social Security

    Justin Weinger
    20 Jun 2015 | 2:00 am
    96% all American workers will be eligible at some point in their life to receive Social Security benefits, obviously after they retire from working.  That might be a fact, but another fact is that Social Security benefits, and your eligibility for them, are rather complicated and highly dependent on specific details and situations based on your work history. Fact 1: A foreign citizen working legally in the United States, and paying Social Security taxes, can accumulate social security credits the same way a regular US citizen does.  However, some visa categories aren’t eligible to…
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    Good Financial Cents

  • GF¢ 051: The Miracle Morning: Interview With Author Hal Elrod

    Jeff Rose
    4 Jul 2015 | 4:48 am
    Beep. Beep. Beep. Smack snooze button. Back to sleep. 10 minutes later…. Rise and repeat. This was my typical sleep routine every morning. Most people assume that since that I was in the military that I’m naturally a morning person. #notevenclose I’m a bonafide night owl. I usually get my second and sometimes third wind after 9pm. In fact, when I started my blog this is when I did most of my blogging. I was up many a night writing and hammering out blog post ideas. I used to be super productive in the evenings. That was, however, before kids. Especially, after our 3rd son. I…
  • Investing AND Borrowing Through Prosper

    Jeff Rose
    2 Jul 2015 | 11:33 am
    Want to know how to avoid your bank? If so, read on….. Founded in 2005, Prosper is the first peer-to-peer (P2P) marketplace in the US. Since it began, it has funded loans totaling more than $3 billion to more than 250,000 members. As a P2P platform, Prosper brings borrowers and investors together, in a lending arrangement that eliminates the middleman from the transaction entirely. That “middleman” is the banker. By taking that function out of process, Prosper allows both borrower and lender to come together to create a mutually beneficial financial arrangement. Borrowers can take…
  • 40 Financial Rules For 40 Year-Olds

    Jeff Rose
    1 Jul 2015 | 10:31 am
    Every decade of life has its financial challenges and opportunities. In your 20s, you feel invincible. Your 30s brings on a whole new set of responsibilities including career and family. However, your 40s are especially important because you are closing in on retirement. Making a huge money mistake in your 20s isn’t nearly as devastating to your long-term prospects as doing so in your 40s. Now that you’re scared spitless, here are 40 financial rules for your 40s: 1. Finish Paying Off Your High Interest Consumer Debt One of most important things you can do for your finances in…
  • How to Discover Your Financial Grit

    Jeff Rose
    23 Jun 2015 | 4:17 pm
    You might be under the illusion that financial success is all about smarts. Nope. Think again. You can be the smartest mathematical guru in the world and find yourself broke. Why is this? Don’t all the smart people get the best-paying jobs and a Lamborghini or two? Isn’t it the smart people who can shrug their shoulders at briefcases full of cash because their portfolios are too big for the hassle of making the deposit? Well, not exactly. I’ll let you in on a little secret. You know what the secret sauce is to financial success? It’s grit, and I’m going to show…
  • 5 Fantastic Summer Productivity Tips for Businesspeople

    Jeff Rose
    22 Jun 2015 | 3:01 pm
    I’d like to share some important summer productivity tips inspired by the Office Depot Business Solutions Center as part of a sponsored post for Socialstars #GearLove. Sometimes, I just don’t know how I do it all. I run multiple websites, have a financial planning practice, and have a bunch of boys running around that keep me plenty busy. Productivity tips for me are a must. There’s no way I can get through my day without implementing some kind of productivity hack. And oh boy, in the summer? I definitely need to utilize these tips. It can be tempting to spend too much…
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    One Family's Blog

  • Wayanad - Edakkal Caves, Ambalavayal Heritage Museum, and Soochipara & Meenmutty Falls - Review

    ks
    20 Jun 2015 | 5:35 am
    <!--[if gte mso 9]> 14.00 <![endif]--> <!--[if gte mso 9]> Normal 0 false false false EN-US X-NONE X-NONE <![endif]--><!--[if gte mso 9]> [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • Wayanad - Lakkidi Viewpoint, Pookode Lake, & Sultan Battery Jain Temple - Review

    ks
    20 Jun 2015 | 5:02 am
    <!--[if gte mso 9]> 14.00 <![endif]--> <!--[if gte mso 9]> Normal 0 false false false EN-US X-NONE X-NONE <![endif]--><!--[if gte mso 9]> [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • Tracking Carl Icahn's Holdings - Q1 2015 Update

    ks
    18 Jun 2015 | 6:12 am
    Below is a spreadsheet that highlights Carl Icahn's moves this quarter. Please check-out our SeekingAlpha column for an analysis of the moves:  To learn more about how to profit from a strategy of following the best hedge fund picks, check out our book Profiting from Hedge Funds: Winning Strategies for the Little Guy . [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • Tracking David Tepper's Appaloosa Management Portfolio - Q1 2015 Update

    ks
    18 Jun 2015 | 6:05 am
    Below is a spreadsheet that highlights David Tepper's Appaloosa Management Portfolio moves this quarter. Please check-out our SeekingAlpha column for an analysis of the moves:  To know more about Tepper's distress investing style, check out Distress Investing: Principles and Technique. To learn more about how to profit from a strategy of cloning hedge fund picks, check out our book [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • Tracking Ken Fisher's Fisher Asset Management Portfolio - Q1 2015 Update

    ks
    18 Jun 2015 | 5:27 am
    Below is a spreadsheet that highlights Ken Fisher's Fisher Asset Management Portfolio moves this quarter. Please check-out our SeekingAlpha column for an analysis of the moves:  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! ]]
 
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    Cash The Checks

  • 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…
  • 7 Little Known Expenses You Can Write Off On Your Taxes

    Edwin C.
    7 Apr 2015 | 1:03 pm
    When it comes to taxes, there are some things everyone knows they can write off in order to get more money back, like like exemptions for kids, mortgage interest and business expenses for example. However, there are a great deal of other expenses that can be written off to lower your tax liability too. While most have some rules involved, the majority of write-offs are pretty easy to remember and take advantage of. Here are 7 not-so-well-known tax deductions. Moving Expenses If you move a very large distance, and can show that the move was for work, you can write off any moving expenses you…
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    Credit.com

  • 20 Odd Ways to Make Extra Money

    Maryalene LaPonsie
    3 Jul 2015 | 9:01 pm
    There comes a time when almost everyone could use a little more cash in their pocket. While a part-time job may be your best bet for a steady stream of income, delivering pizzas or waiting tables might not be your thing. Or maybe you just need a little extra fun money to support your designer shoe habit. Whatever the reason, we have a slew of unusual ways for you to bring in extra cash. 1. Sell Your Body No, not that way! Instead, sell your plasma or even your hair. Either can be legally sold for money. Unfortunately, the government frowns on you selling a kidney — something…
  • Can a Down Payment Be Too Big?

    AJ Smith
    3 Jul 2015 | 9:01 pm
    Building up savings can feel good. It’s nice to know you are working toward and getting closer to your financial goals, especially when the goal is the biggest financial decision of your life — buying a home. When you are figuring out how much home you can afford, it’s important to look at both the upfront and ongoing costs. This means calculating your potential monthly mortgage in addition to considering how large of a down payment to make. But once you’ve saved up enough for that down payment, it doesn’t necessarily mean you should rush to sign the papers. Consider the…
  • The Secret Way to Get Rid of an Old Debt

    Gerri Detweiler
    2 Jul 2015 | 9:01 pm
    Resolving a collection account can feel like lifting a weight off your shoulders: You can finally move on. But what happens when it comes back to haunt you again? Can you ever really put a bad debt behind you? A reader with the screen name “Frustrated” shared their story on the Credit.com blog: We used a debt consolidation company in 2010 to settle some credit cards. A (credit) card was settled for about half the amount owed and the rest charged off, which shows on our credit report. We are now getting calls from a collection company for the remaining amount. This shows on our credit…
  • What’s the Most Money I Can Get Out of Social Security?

    AJ Smith
    2 Jul 2015 | 9:01 pm
    Social Security retirement benefits are meant to supplement retirement income with contributions made during working years. It may be hard to see the money go missing from your paycheck, but the idea is that when you hit your mid-60s, you will be glad to have some money coming in. A Social Security calculator can help you estimate what benefits you can expect. And while you may have a general idea how your benefits are calculated, here’s some information to help you brush up on the details. What’s the Maximum You Can Receive? How much you receive in monthly Social Security benefits is…
  • I Like It, I Love It: Tim McGraw Is Giving Away Free Homes to Veterans

    Christine DiGangi
    2 Jul 2015 | 9:01 pm
    Country singer and actor Tim McGraw announced he will continue to give away mortgage-free homes to U.S. veterans, which he has done in partnership with Operation Homefront and Chase Bank since 2012. So far during McGraw’s Shotgun Rider Tour 2015, six veterans and their families have received loan-free homes. Since 2012, McGraw, Operation Homefront and Chase have awarded more than 100 veteran families homes, without requiring them to take out a mortgage, as most homeowners must. Before McGraw’s tour ends in September, an additional 30 servicemembers will receive such homes. Buying…
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    StepChange MoneyAware

  • Host your own garden party on a budget

    Lucia
    1 Jul 2015 | 1:00 am
    Make your own Mediterranean feast on a budget! If you can’t get to Spain, why not bring Spain to you! Lucia in our training team gives you her tips to make a Mediterranean feast on a budget… Phew, we can all breathe a sigh of relief…summer has finally landed. Well, that’s what my calendar tells me, but the weather’s saying differently at the moment! At this time of year all my friends want to spend the weekend in the pub, and the cost of this can soon add up. As an alternative, how about asking the girls round for a summer garden party? If you’ve not got a garden you could…
  • Seen Facebook ads about writing off debt? Get the facts first!

    Rachel
    25 Jun 2015 | 6:29 am
    If you’ve logged on to Facebook recently, you may have noticed some very enticing adverts popping up in your feed. They talk about how the banks “no longer have the upper hand”, and that you, yes you, can finally put your debt behind you by doing what they say. This is a pretty bold statement to make, considering that the companies putting these ads out know nothing about your financial situation. The FCA have imposed strict criteria on the financial industry to make sure you’re treated fairly at all times. They also insist that all financial organisations behave in a way that’s…
  • How to renew your Tax credits

    Rachel
    24 Jun 2015 | 5:53 am
    People across the UK will soon receive forms to apply for or renew their tax credits. If you already claim Tax credits but your renewal form hasn’t arrived, don’t panic! You should get the form by the end of June. If you do need to talk anything over with the Tax credit office once you do get your paperwork, keep in mind that the lines are very busy at the moment so you might need to wait a little while to get through. This is likely to be the case right up to the deadline on 31 July. Renewing Tax credits might seem a bit tricky, but it can be pretty straightforward if you know what…
  • 20 budget BBQ tips

    Rory
    22 Jun 2015 | 5:41 am
    Nothing says summer quite like a good old-fashioned BBQ. You’ve been checking the weather all week, perfecting your Aussie “shrimp on the barbie” impersonation and invited your family, friends and your in-laws. They all expect nothing but culinary greatness from you. But how do you host a memorable day with without spending a fortune? Here’s our 20 budget BBQ hacks to help you smoke the competition for less. Smoke the competition! 1. Ditch the disposable barbecue. Although they might seem like a cheaper option than the real thing, they’re usually a waste of money and you can’t…
  • Save money on your car’s MOT

    James
    21 Jun 2015 | 5:38 am
    Does the prospect of your car’s next MOT fill you with dread? MOT is short for Ministry of Transport test. For many of us however, it might as well stand for Method of Torture. You can take some of the pain out of the MOT by being prepared. By getting your car ready for its test you can even reduce the cost along the way. Check and replace your own lightbulbs I recently replaced the front headlight on my car and felt heroic when my hamfisted blundering around under the bonnet led to the bulb being successfully replaced. I completely failed in my first attempt but a quick trip to YouTube led…
 
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    Help Me To Save

  • Halifax Accounts for Kids

    Karen Bryan
    1 Jul 2015 | 11:23 pm
    There are three Halifax accounts for kids. The Halifax Kids’ Regular Saver offers a very alluring fixed rate of 6% for a 12 month term. But, the maximum monthly deposit is £100. The account is available to kids aged o – 15 years of age, but it must be opened by an adult aged 18+. Although […] Halifax Accounts for Kids How to save money. Copyrighted content published on Help Me To Save. The post Halifax Accounts for Kids appeared first on Help Me To Save.
  • To Save or to Pay Off Debt? Answering This Thorny Question

    Karen Bryan
    29 Jun 2015 | 7:22 am
    On payday, do you struggle to decide between paying down consumer debt, mortgage and student loans and socking as much cash as possible into a high interest savings account? You’re not alone. Millions of people across the UK are in this same confusing situation, and most are completely unsure about the best choice for their […] To Save or to Pay Off Debt? Answering This Thorny Question How to save money. Copyrighted content published on Help Me To Save. The post To Save or to Pay Off Debt? Answering This Thorny Question appeared first on Help Me To Save.
  • 25 Easy Ways to Save Money

    Karen Bryan
    28 Jun 2015 | 11:20 pm
    Here are the tips on 25 easy ways to save money. Follow most of them and you could potentially save thousands of pounds per year. Draw up a realistic budget. You need to know exactly how much money is coming in and your current spending. Stick to your budget. I don’t necessarily mean by accounting […] 25 Easy Ways to Save Money How to save money. Copyrighted content published on Help Me To Save. The post 25 Easy Ways to Save Money appeared first on Help Me To Save.
  • Santander 123 Mini Accounts for Kids

    Karen Bryan
    26 Jun 2015 | 6:59 am
    There are two Santander 123 Mini accounts aimed at kids. The Santander 123 Mini Current Account offers young people the opportunity to manage their own cash, plus spending with a cash or debit card. It doubles as a savings account, as it pays a variable rate of 3% on balances between £300 – £2,000. For […] Santander 123 Mini Accounts for Kids How to save money. Copyrighted content published on Help Me To Save. The post Santander 123 Mini Accounts for Kids appeared first on Help Me To Save.
  • My Money Podcast #117

    Karen Bryan
    23 Jun 2015 | 11:03 pm
    The My Money Podcast #117 summarises the recent Help Me To Save articles listed below. listen to ‘My Money Podcast #117’ on audioBoom Subscribe to the My Money Podcast from Help Me To Save in itunes Why I’m Put Off Giving to Charity – I’m irked that most of the money I’ve given to charity […] My Money Podcast #117 How to save money. Copyrighted content published on Help Me To Save. The post My Money Podcast #117 appeared first on Help Me To Save.
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    NerdWallet Credit Card Blog

  • Barclaycard Makes Changes to Barclaycard Arrival Plus™ World Elite MasterCard® and Barclaycard Arrival™ World MasterCard®

    Claire Davidson
    2 Jul 2015 | 11:15 pm
    Barclaycard is making changes to its two most popular cards, the Barclaycard Arrival Plus™ World Elite MasterCard® and the Barclaycard Arrival™ World MasterCard®. NerdWallet reached out to Maurice Ragland, vice president for Barclaycard U.S. Business, to get the details. Here’s what the new versions will look like. What’s changing The 10% bonus you get when redeeming for travel statement credit will become a 5% bonus for all spending categories. On both the Barclaycard Arrival Plus™ World Elite MasterCard® and the Barclaycard Arrival™…
  • When a Credit-Builder Loan Can Be a Good Idea

    Jeanne Lee (contributing writer)
    2 Jul 2015 | 5:47 pm
    Despite the economic recovery, 56% of American consumers have subprime credit scores, according to a 2015 study by the Corporation for Enterprise Development — meaning they need to improve their credit in order to obtain loans and avoid high interest rates. For those who want to boost their scores in anticipation of a home or car purchase, or to bounce back after a bankruptcy, some lenders offer a specialty product called a credit-builder loan. About one in five credit unions offer these products, according to the Credit Union National Association. They are specifically designed to…
  • Broke Parents? When Their Medical Debts Could Be Yours

    Spencer Tierney
    2 Jul 2015 | 3:22 pm
    As your parents get older, the price tag on their care can rise. After all, the median cost of staying in an assisted-living facility nationwide is $43,200 per year, according to data from the insurer Genworth Financial in Richmond, Virginia. But if they run out of money and slide into debt, do you need to foot their bills? The short answer is no. Medical bills don’t transfer to offspring generally, but there are some situations where you can be held responsible. Medical bills and filial responsibility More than half of U.S. states have so-called filial responsibility laws, which say adult…
  • 5 Ways to Boost Your Chances of Getting a Business Credit Card

    Steve Nicastro
    2 Jul 2015 | 2:02 pm
    Business credit cards offer small-business owners a number of benefits — they keep personal finances separate from business finances, frequently come with rewards and often offer a higher credit limit than a personal credit card. The cards have their downsides, too, including the risk of running up unpaid debt — for which the small-business owner is likely personally liable. But for quick, convenient access to capital, they’re hard to beat. Here are a few tips for small-business owners thinking of applying for a business credit card. 1. Check your credit reports. In addition to…
  • Small-Business Loans: More Owners Seeking and Getting Funds

    Benjamin Pimentel
    2 Jul 2015 | 11:25 am
    Good news on small-business loans. Entrepreneurs are demanding more capital — and getting more of it — than they have in the last three years, according to a new survey. The news is evidence of a stronger economy and an expanding market for small-business financing. Both demand and access to small-business financing have hit their highest rate since the fourth quarter of 2012, according to a quarterly survey by Pepperdine University’s Graziadio School of Business and Management and Dun & Bradstreet, a business research firm. MORE: Small-Business Loans: Few Shop Around The…
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    Card Hub

  • Wage Garnishment: How It Works & What To Do

    John Kiernan
    3 Jul 2015 | 8:48 am
    Wage garnishment is when a portion of your monthly income is confiscated in order to gradually satisfy unfulfilled financial obligations – such as unpaid credit card debt, child support payments or taxes. In cases of debt originating from credit cards or most loans, your wages cannot be garnished without a court order. But that rule doesn’t apply to the government’s pursuit of income taxes, student loan payments, child support and alimony. We often hear stories of people being surprised by wage garnishment, and this can indeed happen for a number of reasons. The first is a process known…
  • 2015 Credit Card Landscape Report

    Alina Comoreanu
    3 Jul 2015 | 5:00 am
    Not only do credit card offers regularly fluctuate in value, corresponding to changes in the economic climate or issuer strategy – but credit card market trends are also extremely revealing in terms of the health of the country’s economy and that of its consumers. Keeping track of this information is therefore essential to finding the best deals and truly understanding the financial climate. CardHub aims to provide the requisite insights by monitoring market data regarding interest rates, rewards and fees across credit segments and highlighting the most important trends in our quarterly…
  • Are Diamonds A Good Investment?

    John Kiernan
    30 Jun 2015 | 10:13 am
    The fact that diamond prices have risen 67% since 1978 might lead some to assume they’re a good investment.  However, this 3,000-foot view of the market masks its true nature. Not only are prices extremely volatile – shooting up 249% from 1978 to 1980 before falling 77% by early 1986 – but the value of diamonds has also long been propped up by a number of artificial sources. When you further consider that the S&P 500 has increased 2,080% since 1978, it becomes clear that diamonds are not investable under most traditional definitions, which typically necessitate safety of principal…
  • 2015 Report: The Best Credit Card Travel Insurance

    Alina Comoreanu
    30 Jun 2015 | 4:00 am
    Leisure travel represents a significant investment for consumers in terms of both time and money, so it’s no surprise that folks are interested in protecting their precious resources. But given that travel insurance packages typically cost 4% to 8% of the price of a trip, most of us seem content rolling the dice. Unfortunately, while illness and natural disasters interfere with the travel plans of 1 in 6 Americans, according to the U.S. Travel Insurance Association, only 22% of those affected have travel insurance. The good news is that the solution might already be in your wallet. The…
  • Blood Diamonds: What They Are & How To Avoid Them

    John Kiernan
    28 Jun 2015 | 1:54 pm
    “Blood diamond” is one of the phrases used to describe gemstones that were sold to pay for civil wars in places like the Republic of the Congo, the Ivory Coast and Liberia. Sold both directly by the warring factions themselves or through a series of shell companies, blood diamonds, also known as “conflict” or “war” diamonds, are believed to have once constituted up to 20% of the diamond market. As such, those in control of these blood diamonds are robbing the indigenous populations of some of the poorest countries in the world of up to about $8 billion-worth of natural resources…
 
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    CreditDonkey

  • Pizza Statistics: 23 Tasty Facts and Trends

    4 Jul 2015 | 12:00 am
    Whether you prefer plain cheese or you like to mix things up with vegetables, meats or toppings that are a little more exotic, there's no right or wrong way to eat pizza. To give you an idea of how other people like to enjoy theirs, CreditDonkey has come up with 23 tasty tidbits on the pizza-munching habits of Americans. No matter how you slice it, pizza is hands-down one of the most popular foods in America. While versions of this tempting treat can be traced back to ancient Greece, it's the Italians who are credited with its perfection. Although you may get some arguments over whether…
  • Best Time to Buy Sofa

    1 Jul 2015 | 12:00 am
    After years of using the couch to accommodate guests, catch your favorite sitcoms, cheer on your favorite team during televised football games, or even take a nap on occasion, your sofa will need a replacement.Unfortunately, sofas are a living room staple, so most sales that appear throughout the year aren’t the most enticing. But there are a few specific times of the year to land the best deal: When to Buy a Sofa JanuaryThe holiday season has come to a close, and retailers desperately need to clear warehouse and showroom space to make room for February arrivals. JulyIn August, the second…
  • 23 Reasons Why High Gas Prices are Good

    1 Jul 2015 | 12:00 am
    High gas prices could save your life. We found 23 positive ways the higher price at the pump can actually benefit all of us. Gas prices have taken a wild ride over the last few years, spiking to nearly $5 a gallon in some places before dropping back down. While Americans welcome some relief at the pump when prices drop, it's not always a good thing. Here are 23 ways everyone benefits when gas prices start to rise. HOW GAS PRICES AFFECT YOUR HEALTH 1. Higher gas prices encourage more physical activityRising gas prices can help get you in better shape. One research study found that when gas…
  • 23 Smart Ways to Save Money in July

    29 Jun 2015 | 12:00 am
    July is when the lazy days of summer really start to set in — but you can't afford to slack off on your finances. The decisions you make now can benefit you long after the seasons change. Here are 23 ways to improve your financial outlook in July so you're not feeling the heat the rest of the year. SLASH YOUR TRAVEL BUDGET 1. Enjoy a frugal 4thIn 2013, Americans planned to spend an average of $300 to celebrate Independence Day. That number climbed to $1,161 for people who were going to travel over the holiday. If you're traveling this year, aim to book your trip midweek (leading up to the…
  • Ameritrade Review: Is Ameritrade a Good Broker?

    27 Jun 2015 | 12:00 am
    TD Ameritrade has a gold standard platform that is attractive to beginner investors and the more experienced, but is the relatively high per-trade fee worth it? We help you decide.Why We Like It Easy access to the heart of the site: Whether you’re an investor with decades of experience or just starting out, you will feel comfortable using Thinkorswim, TD Ameritrade’s platform for executing trades. The biggest bonus of using this online brokerage is that there are no trade or account value thresholds you have to meet in order to access this gold standard platform. This is a major…
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    The Penny Hoarder

  • Love Vintage Clothes? Here’s How One Vintage Etsy Seller Turns a Profit

    Betsy Mikel
    3 Jul 2015 | 10:00 am
    What if you could shop for a living? No, we’re not talking mystery shopping, or even working as a personal stylist. This job entails shopping at thrift stores, garage sales and even other people’s closets. Vintage has long been back in style, especially because every piece is so unique. If you find a piece of vintage clothing from the ‘50s, ‘60s or ‘70s, there’s a good chance you’ve found the last one on Earth. And if you learn how to find those one-of-a-kind, highly sought-after vintage pieces in the wild, you can resell them online to make a profit. Sound easy? That’s not…
  • 7 Low-Cost Ways to Throw an Awesome Kid’s Birthday Party

    Ami Spencer Youngs
    3 Jul 2015 | 9:00 am
    My boys are still young enough — they’ll be one and three years old this fall — that birthdays don’t have to be a big deal. In an age where parents often spend hundreds of dollars (or more!) on birthday parties and elaborate, Pinterest-inspired themes, though, I feel pressured to put on a big to-do for the little guys. Unfortunately, our budget doesn’t allow for extravagant cakes or expensive locations. Instead, I have to get creative. Here are seven ways I’ve found I can save money and still throw awesome birthday parties for my boys. 1. DIY Your Invitations You don’t…
  • Win Free Money: Enter These Contests for $61,750 in Cold, Hard Cash

    Kristen Pope
    3 Jul 2015 | 7:00 am
    Everyone loves a good travel contest or two. But what’s even better than winning a dream vacation? Winning cold, hard cash. Instead of coordinating with your honey to head to the Bahamas, squeezing a trip to Oregon into your already-packed schedule, or trying to mobilize the whole family to take advantage of the getaway you won, these contests simply reward you with cash. Plus, as some have pointed out, when you win a trip, you’ll often need to pay taxes associated with your win. But when the prize is a check, you can easily cover those taxes before spending the rest on anything you…
  • Which Cash-Back Credit Cards are the Best? We Review 6 Popular Options

    Douglas Clinton
    3 Jul 2015 | 3:00 am
    Cash reward cards are everywhere these days. If you use credit cards on a regular basis, chances are you already have one (or two or three) in your wallet. But if you don’t have a cash-back card yet, or you’re considering upgrading, check out this guide to popular options. In theory, cash-back credit cards are pretty straightforward – you spend the money, then the credit card company gives you a percentage back. In practice, there are a few more wrinkles to the system; not all cash reward cards are created equal. Here’s a rundown of six popular cash-back rewards cards and what you…
  • How Much Does It Cost to NOT Have a Baby Shower? For One Couple, $1,100

    Susan Shain
    2 Jul 2015 | 7:00 am
    “First comes love, then comes marriage, then comes the baby in the baby carriage,” goes the traditional rhyme. But these days, the baby shower comes before the baby. Are baby showers necessary, though? Freelance writer A.J. O’Connell doesn’t think so. “The idea of throwing myself a party and inviting other people to give me presents always made me uncomfortable,” she writes in The Billfold. “And anyhow, sitting in front of a room and opening presents in front of all my female friends and relations at eight months pregnant sounded like my idea of hell.” The Outrageous Cost of a…
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    Bankruptcy and Student Loan Lawyers - 866.787.8078

  • Student Loans, Debtfare and the Poverty Industry

    Jay Fleischman
    29 Jun 2015 | 2:59 pm
    Susanne Soederberg, a professor of political studies and global development studies at Queen’s University in Canada, is calling for the student loan industry to be, “revealed, attacked, and uprooted.” In her article on Dollars & Sense, Soederberg says the educational finance is not part of the natural order of things. Rather, it’s part of the poverty industry, which includes educational lending, but extends to other forms of consumer credit—such as payday loans, credit cards, sub-prime housing loans—all of which feed off of and reproduce marginalization and…
  • Student Debt Clock Shows Scary Growth In What We Owe

    Jay Fleischman
    10 Jun 2015 | 10:09 am
    There’s a new clock out there to obsess over – the student debt clock. It shows that we’re racking up more and more debt by the second – in fact, America’s student-loan debt is growing by a whopping $3,055 every second. If that doesn’t make you start asking questions about where this is all headed, nothing will. | StartClass As the kids say, I can’t even. The post Student Debt Clock Shows Scary Growth In What We Owe appeared first on Bankruptcy and Student Loan Lawyers - 866.787.8078.
  • Department of Education Announces Debt Relief For Corinthian Colleges Students

    Jay Fleischman
    8 Jun 2015 | 12:36 pm
    In the wake of the collapse of Corinthian Colleges, tens of thousands of student loan borrowers have faced what can best be described as an uphill battle in their quest for student loan debt relief. This led to the Corinthian 100 (now the Corinthian Collective), a group of former students who flat out refused to pay their student loans. They got a lot of flack from the mainstream media, but they sure got the attention of the right people. On June 8, 2014 the US Department of Education announced new plans to ensure that students who have been defrauded by their college, or because their school…
  • Texas Court Rules Against Borrower In Student Loan Bankruptcy Discharge Case

    Jay Fleischman
    28 May 2015 | 9:22 am
    Just because you list a student loan debt on your bankruptcy case doesn’t mean it’s wiped out once the case is over. You need to take additional action – but before that, you need to do your homework. Once upon a time, student loans were dischargeable in bankruptcy court. As the years went by, more limits were placed on people who wanted to wipe out those debts. Congress gradually increased the required age of the past due federal loans to be discharged automatically, and then in 2005 put the final nail in the coffin by sweeping up private student loans as well. In 1996, the…
  • Los Angeles Loses Discriminatory Lending Lawsuit To Bank of America

    Jay Fleischman
    19 May 2015 | 4:06 pm
    In the battle between one of America’s largest cities and one of America’s largest banks, the money reigns supreme. At least, that’s what a federal judge in Los Angeles thinks. On May 15, 2015 A federal judge threw out a lawsuit by the city of Los Angeles that accused Bank of America of discriminatory mortgage lending. The suit, which was originally filed by the city in 2013, claimed that Countrywide Home Loans (a unit of Bank of America) violated the U.S. Fair Housing Act by making loans to minorities on worse terms than those offered to whites and then refused to refinance…
 
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    Simple Debt-Free Finance

  • What SEO Can Do For Your Business

    admin
    1 Jul 2015 | 9:26 am
    What is SEO? This is an acronym for “search engine optimization” and it’s a marketing discipline for growing visibility in non-paid search engine results. Hiring SEO saves time, increases awareness in search engines and improves your website, but be careful not to damage your site and reputation by hiring an irresponsible SEO. Why do you need SEO? When you have hired SEO, the services you will be provided with include: Reviewing of your site’s content and structure Providing technical advice on how to develop your website. Developing your content. Managing business development…
  • High Paying Jobs With Little Education

    admin
    28 May 2015 | 2:51 pm
    For most people, in order to become debt free requires some income. Choosing a career in the healthcare industry is a good choice for job stability. One job in particular is ultrasound technician. They are highly paid and require only a year or two or schooling. Ultrasound technicians utilize sonography equipment in order to perform ultrasounds. Of course, these tests create visual images of the interior of the body. This is performed thanks to sound waves, and ultrasounds are used in various capacities. Most pregnant women receive an ultrasound to check on features of their unborn babies. On…
  • Use Grants to Finance Your College Education

    admin
    1 Jun 2014 | 9:22 pm
    Before applying for college scholarships, consider applying for government grants first.  Getting a good college education is important because education is the key to a better future for you and your family. It allows you to get a good paying job and it can give you the skills you need to start your own business. It is therefore unfortunate that many people have to struggle to get a good education. This struggle in search of an education is a struggle based on limited sources of finance to fund college education because of its expensive nature. This expensive nature of college education…
  • Save Money During Spring Cleaning

    admin
    15 Apr 2014 | 8:07 pm
    Like many Americans, Spring time means Spring cleaning and like many people you have heard about Swiffer products. If you are industrial cleansing buyer or even a domestic cleaner, Swiffer has one thing for you. Best of all, your best cleaner assist firm Swiffer offers you an opportunity to read more for less. That is from the Swiffer coupons. You can help to save a whole lot by permitting various quality merchandise that you might want for every day use in a lower fee. The Swiffer coupons allows you save whilst your home clean. Obtaining a Swiffer coupon means that one could entry a…
  • Top 5 Reasons to Invest in Gold

    admin
    19 Jan 2014 | 11:19 am
    Gold investment comes with a great deal of benefits. To start with, it is unique as compared to other asset investment. This is because it involves one of the most precious metals which is not found in most of the countries across the globe. Moreover, Gold is always of great value hence the best option for investment. Below are some of the key reasons why you should invest in gold: NEVER LOSES VALUE One thing you will like about gold is the fact that it does not lose value. Never at one time will you go at a loss while investing in gold. Research reveals that the value of gold either remains…
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    Compare Wallet: Making Sure Your Money Isn't Accepting Second Best

  • Credit Cards in the News: June 27-July 3, 2015

    Chris Mettler
    3 Jul 2015 | 8:50 am
    Credit card news pops up every week and it’s not always easy to keep track of each story, especially all the stories about credit card fraud. That’s why we provide you with a summary of the top stories on CompareWallet so you can read what matters the most and not have to worry about all the other stuff. Here are the highlights for  June 27-July 3, 2015. Credit Card Breach Under Investigation at Donald Trump’s Hotels Donald Trump’s hotel business is investigating claims of a credit and debit card security breach, which appears to have dated back to February. Brian Krebs, a…
  • Using Credit Card Rewards To Make Your Travel Nearly Free

    Jason Steele
    1 Jul 2015 | 7:32 am
    Do you ever feel like you are going to spend so much money to attend an out of town wedding that you will have nothing left over to get a gift? This is how I felt when I added up the cost of attending a recent wedding in San Diego. Between airfare, hotels and rental cars, it would cost my wife and I about $1,500 to fly there from Denver and stay for two nights. As much as we love our friends getting married, we probably would have stayed home and sent a nice gift instead if it wasn’t for our travel rewards cards. In fact, we won’t even have to spend a penny on the entire trip!
  • 26 Weeks to Save for Christmas

    Chris Mettler
    30 Jun 2015 | 7:00 am
    The holidays can be an amazing time filled with family and friends, however, it can also be a bit stressful. There are some commonly held beliefs about the holiday spending habits of consumers, but how accurate are they? Do all consumers rack up debt? Are consumers saving-up before gift-buying sneaks up on them? Is holiday debt inevitable? Our 2014 Holiday Spending Survey shed some light on the spending habits of consumers during the holidays and revealed some surprising results: 70% spent less than $1,000 over the holidays. Of that 70%, more than half spent less than $500. 69% primarily…
  • Earn Rewards For Your Daily Commute

    Thomas Donaldson
    29 Jun 2015 | 8:26 am
    Now that summer is in full swing, kids are out of school and enjoying the glorious freedom of summer vacation. However, most of us aren’t so lucky and will continue to grind through the work week right on through summer. While people are usually well aware of the massive amount of time they spend at work, we rarely pay attention to the amount of time and resources it takes to get to and from work. When you think about it, our daily commute is a huge part of our lives that rarely receives any consideration. In fact, a recent study, the Citi ThankYou Premier Commuter Index, revealed that the…
  • Credit Cards in the News: June 20-26, 2015

    Chris Mettler
    26 Jun 2015 | 7:30 am
    Credit card news pops up every week and it’s not always easy to keep track of each story, especially all the stories about credit card fraud. That’s why we provide you with a summary of the top stories on CompareWallet so you can read what matters the most and not have to worry about all the other stuff. Here are the highlights for  June 20-26, 2015. Citi and Brooks Brothers Partner Up for a Co-Branded Credit Card On Thursday, Citibank announced a new partnership with the iconic lifestyle clothing brand, Brooks Brothers. In a new multi-year agreement, Citi Retail Services will provide…
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    Feeds : Dailyworth

  • How to Invest When You Don’t Have Much to Invest

    21 Jun 2015 | 9:00 pm
    Whether You Have $5, $50, or $500 Trying to invest less than $1,000 can be frustrating — everywhere you turn, you run into barriers. Many investment companies want you to pony up thousands just to open an account. Then there are fees, which can quickly eat up a big chunk of your investment even at the discount brokerages. The good news: You have options. First, let's be clear: We're talking about investing here, not saving. Saving is for short-term goals and emergency funds. Savings should be kept in safe, liquid accounts like FDIC-insured bank accounts that offer no risk but no…
  • How to Raise Rich (but Not Spoiled) Kids

    21 Jun 2015 | 9:00 pm
    Lessons Learned My parents didn’t get me a car when I got my license; they insisted I buy one with the paychecks I earned from my part-time jobs. When I’d nag my mom to buy me the latest trendy fashion, she had no problem saying no. I was disappointed at the time, but as an adult, I appreciate my parents’ commitment not to spoil me. As a mother now, I’ve adopted some of their tactics. And as a financial advisor, I’ve also discovered additional strategies that can make an even bigger difference. Here’s how to set up your kids to be financially successful…
  • What to Do If Your Dream Put You in Debt

    16 Jun 2015 | 9:00 pm
    Between my own unwillingness to talk about money and shame around my debt, there are few things that impress me more than a woman who is bold enough to open up about her finances. (Some people would rather discuss details of their sex life.) I recently hosted a boot camp for more than 100 women who committed to facing their less-than-perfect financial situations. The women were smart, successful, and, like so many others, in debt — mostly because they followed their dreams to start their own businesses. Getty Images/iStockphoto This shouldn’t be a surprise. In a sea of online…
  • How to Budget When You Don’t Have a Steady Paycheck

    14 Jun 2015 | 9:00 pm
    Avoid Feast or Famine There are plenty of reasons why your paychecks might not beat that steady biweekly drum — you’re a small business owner, freelancer, or working on commission, for example. And then, of course, there are those who have seasonal gigs that are lucrative only for a few months each year. So how do you handle the ebbs and flows of this type of income? Luckily, the unpredictable nature of signing up for a flexible life doesn’t have to mean financial insecurity, as long as you create a clear budget and stick to it. Here’s how. Know Your Worst-Case…
  • When Being Cheap Costs You Big

    11 Jun 2015 | 9:00 pm
    I’ve always considered myself frugal. I was raised by frugal parents who reminded us to throw on extra sweatshirts, turn off unnecessary lamps, and not be frivolous with money. Knowing how to bargain, barter, and negotiate has been one of my best secret weapons for most of my adult life. The problem starts when being frugal turns into being cheap. Cheap is needy, clingy, desperate, and reeks of rock bottom. Moreover, cheap is settling — it’s cheating yourself. Getty Images/iStockphoto A cheap person might buy low-priced heels that don’t fit well, only to retire…
 
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    Money Q&A

  • 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…
  • The Advantages Of Dividend Reinvestment Plans

    Hank Coleman
    15 Jun 2015 | 4:00 am
    Dividends are an important factor in making any investment decision. They have a significant impact on the overall return of a particular investment. While in the short term it may not seem like you could gain much from reinvesting small amounts of dividends, over the long-term you could be missing out on significant gains from the effect of compounding interest. One of the easiest ways to maximize investments in dividend stocks is through dividend reinvestment plans, or DRIP for short. There are many advantages of dividend reinvestment plans that investors can use to purchase stock. What…
  • Kaiku Visa Prepaid Card Review – A Great Prepaid Debit Card

    Hank Coleman
    12 Jun 2015 | 7:54 am
    Recently I was given the opportunity to try out the Kaiku Visa Prepaid Card. I’m a huge fan of prepaid credit cards and prepaid debit cards. And, I have to say that I was very impressed with the Kaiku Visa Prepaid Card. The company has really tried to reach out to the young millennial crowd especially with their prepaid card. Features of the Kaiku Visa Prepaid Card The Kaiku mobile app for your smartphone is amazing! This is one of my favorite features of this prepaid card and why it will resonate so much with the younger crowd. You can load checks with your iPhone or Android…
  • Money Q&A Is Now On Instagram!

    Hank Coleman
    9 Jun 2015 | 4:08 am
    Follow us on Twitter | Facebook | Instagram | Pinterest | Google + Money Q&A is now on Instagram! Be sure to follow the blog for some great inspirational quotes and pictures. We’ll also throw in some money and investing tips, and we have plans to launch an Instagram a few contests on Instagram very soon. So, be sure to keep checking back for that! I’m a huge fan of Instagram. I’ve had an account @HankColeman for quite a while now. But, I thought that it was finally time for Money Q&A to get its own account, and Money Q&A Is Now On Instagram! So, please swing by…
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    Creative Money

  • 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…
  • The “Time is Money” roundup of crazy-useful tools

    Mindy Crary
    23 Jun 2015 | 12:11 pm
    One of the reasons why people don’t have a better handle on their money is because with our busy lives, we just don’t make time for it.  Here are some strategies to help you prioritize wealth building.   Money Time Management Strategies Prioritize.  There is a time management concept that talks about your priorities as “big rocks.” Is wealth building and getting better and better at managing your money a priority?  Then you have to make time for it, period.  Starting out, it might just be reviewing spending and looking for opportunities…the more clarity you have, the…
  • The only 3 questions I need to ask to know if you’re financially on track

    Mindy Crary
    16 Jun 2015 | 2:03 pm
    Financial planning can be complicated.  However, I really only need to know three things to understand whether a person is trending financially on track or off track. Data that tells me if you’re financially on track Keep in mind, these questions and all of financial planning are really about trend analysis.  The big question always is, if everything stayed exactly the same, how is this person doing? This isn’t all-inclusive…just like a doctor might read someone as having high-cholesterol and be able to describe the behavior of the individual; not all of it will be on target. …
  • How addiction can help you make better money decisions

    Mindy Crary
    9 Jun 2015 | 12:26 pm
    What do your spending habits reveal about you?  Often, we use money to avoid a negative consequence (I don’t want to be bored, lonely, sad, etc.).  It might be stretch to say we’re addicted to the way we spend money, however, you might be surprised that the key to making better money decisions lies in solving an addiction. Rat Addiction Example In Martha Beck’s book, Finding Your Own North Star, she has this great story: after the Vietnamese War, a psychologist named Bruce Alexander set out to understand why many veterans who had taken drugs in southeast Asia simply stopped using…
  • Ridiculously practical ideas for your money [roundup]

    Mindy Crary
    2 Jun 2015 | 12:08 pm
    It’s the start of the month!  What practical money steps can I inspire you to take? Here are the top 8 no-brainer moves for your money that people can do to update and refresh their finances right now. Money management isn’t about being perfect 100% of the time; it’s about the practice of returning to a routine.  Here’s what I do for my money each week and why you should strive for imperfect money management. For most people, increasing wealth is less about cutting back drastically, and more about capturing opportunity—but you must identify for yourself what opportunities motivate…
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    Three Thrifty Guys

  • How to Save Money on Things That Are Rarely Discounted

    Aaron
    3 Jul 2015 | 4:58 am
    There are always those items and services that you purchase on a regular basis that rarely (if ever) go on sale. A few that come to mind are: gas, utility bills, doctor visits, Chipotle burritos and Apple products. This got me pondering: are there still ways that we can save money on these things? Here’s a few suggestions that have worked for me and I hope will help you save on those goods and services that are hard to get deals on. Please share any that you’ve encountered that have worked for you! Buy discounted gift cards I wrote a year ago about how I’ve been saving as…
  • Now Hiring! – The Effects on 2015 Finances

    Charlie
    29 Jun 2015 | 2:00 am
    Lately, I’ve been noticing signs posted everywhere with employers looking for employees. Every corner I turn I see them at fast food, department stores, repair jobs, and the like. Doesn’t it seem like suddenly there is a shortage of employees everywhere? Am I the only one that has noticed this or is there only a need for employees in my small suburban midwest community? I doubt it. From what I hear, it sounds like there is a definite shortage of qualified employees, and the employers are at a definite disadvantage. As I see all these signs posted around town its got me thinking.
  • 6 Useful Items Under $10 that Can Save You Money

    Aaron
    24 Jun 2015 | 4:34 am
    Saw this thread up on Reddit the other day – and thought it was a great topic. Sometimes we think the most useful things cost a lot of money. However, as you will see in the discussion, there are lot of helpful items that you can pickup for under $10 that can actually help you to save more money. Here’s a few items that I’ve gotten for under $10 that I use often. Lunch Blox My wife picked up these lunch boxes that are made by Rubbermaid awhile back and they are really nice. You can stack them, and even put an ice block underneath ’em to keep everything cold. Never buy…
  • Swappa Review – Buy and Sell Used Phones and Tablets

    Ruser
    17 Jun 2015 | 4:43 am
    Several months ago, my wife’s iPhone slipped from her hands and hit the floor, screen-side down. You might say this affected the phone’s resale value. Wife’s cracked iPhone My wife was a trooper though. She used that phone for two more months, delicately placing it against her ear every time she answered a call and deliberately moving her finger across the screen as she texted, surfed, and played games. But with the phone suffering from other problems, we knew we had to replace it sooner rather than later. Here’s the thing: no way on God’s green Earth were we going to pay $500…
  • Try This Tip to Get the Edge On a House Offer

    Aaron
    12 Jun 2015 | 5:07 am
    I’m a big fan of negotiating to get a better deal and to save more money. I know it’s not often easy in our society or comfortable – but it can be worth the effort. Like they always say, “it doesn’t hurt to ask“. One of the biggest – and overlooked tactic in negotiating for a better deal (I think) – is to be nice. Add to that: be personal. Someone I work with is in the middle of selling her house. Attached with one of the offers she received on her home was a hand-written note in which the author introduced herself and also how much she loved…
 
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    Nerd's Eye View | Kitces.com

  • Weekend Reading for Financial Planners (July 4-5)

    Michael Kitces
    3 Jul 2015 | 11:47 am
    Enjoy the current installment of "weekend reading for financial planners" - this week's edition kicks off with a look at TD Ameritrade's efforts to expand its Amerivest managed account into a full-fledged "hybrid" advisor solution (robo-technology plus TD Ameritrade retail branch advisors), raising the question of whether, given that Amerivest already has over $11B of AUM, it may become the largest "robo" solution by 2016. Also in the news this week was a discussion of how Schwab and Fidelity have been 'passing through' a portion of the shareholder service fees of certain no-transaction-fee…
  • Claiming Social Security Benefits And Other New Opportunities For Same-Sex Married Couples

    Michael Kitces
    1 Jul 2015 | 4:01 am
    While the case of United States v. Windsor in 2013 required the Federal government to recognize the marriage of a same-sex couple if the marriage was legal where performed, states were not required to permit same-sex marriage, nor were they required to recognize legal marriages of same-sex couples performed elsewhere. However, with last week’s Supreme Court decision in the case of Obergefell v. Hodges, states are now required to permit same-sex couples to be married, and furthermore must recognize same-sex marriages performed in other states and jurisdictions. The Supreme Court’s decision…
  • Designing The Financial Planning Software Of The Future – Calculator, Collaboration Tool, And Client PFM

    Michael Kitces
    29 Jun 2015 | 4:01 am
    As the world of financial planning evolves, so too does the technology that supports it. And in the coming years, nothing may evolve in the world of advisor technology as much as financial planning software, as it continues its transition from simply being a ‘calculator’ to project the impact of financial planning strategies and recommendations, into an entire platform for ongoing collaborative financial planning for clients. Yet the evolution of planning software is creating distinct new challenges from a software design perspective, as the tools are increasingly used in three distinct…
  • Weekend Reading for Financial Planners (Jun 27-28)

    Michael Kitces
    26 Jun 2015 | 11:01 am
    Enjoy the current installment of "weekend reading for financial planners" - this week's edition kicks off with the announcement of Schwab's new "Institutional Intelligent Portfolios" solution for RIAs, which will allow advisors on the Schwab platform to provide "robo"-style services for their own clients alongside with Schwab's direct-to-consumer robo offering. From there, we have several articles on marketing and practice management issues, from a look at the marketing best practices of the "standout" growth firms in the latest FA Insight benchmarking study, to a review of an interesting…
  • Understanding The IRD Deduction That Inherited IRA Beneficiaries Often Miss

    Michael Kitces
    24 Jun 2015 | 4:01 am
    Pre-tax assets like IRAs can face a significant income tax burden as their value grows, a challenge that is only made worse for those who are subject to estate taxes on those assets as well. In the extreme, the combination of the two can consume the majority of the value of an inherited IRA bequeathed to a beneficiary. To help mitigate the combined income-and-estate-tax effect, the Internal Revenue Code allows for an “Income in Respect of a Decedent” (IRD) deduction under Section 691(c). Claimed by the beneficiary of an inherited IRA to the extent of any estate taxes that were caused by…
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    Epic Finances - Investment Blog

  • 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…
  • Could LifeLogger be the next GoPro Stock?

    Carmello
    27 Jun 2015 | 4:00 am
    When it first opened on the market, GoPro stock was at $30. Two months later it was already at $95 and, for those who missed its IPO, they were left sitting with their hands in the air, wondering what happened. Most people now know about GoPro, the extremely small, durable and handy video device that’s taken the world by storm, but very few have heard about LifeLogger (LOGG), wearable technology that some analysts are calling the next big thing in the high-tech industry. Here’s a question; what’s the actual percentage of your life that you actually remember? Scientists say…
  • 5 Top Investing Tips for Beginner Investors

    Carmello
    20 Jun 2015 | 3:00 am
    As a beginner at practically anything, the first task at hand is to educate yourself about the skill that you wish to master. It’s exactly the same when you want to become an investor, even if it’s just for yourself and not as a professional. Today’s blog will give you some excellent investing tips that you need to know as a beginner in order to start off on the right foot. Enjoy.   Tip #1: Always invest in something that you understand well When you invest in an industry that you know well, and the businesses involved in that industry, you can avoid getting caught in…
  • 5 Tips for Low Risk Investing

    Carmello
    13 Jun 2015 | 6:46 am
    Many consumers don’t invest their money for one simple reason; they’re afraid of the risk that they’ll lose that money. Of course, keeping your money safe in a bank isn’t a great solution either because, at less than 1% interest, it will fall behind inflation and actually lose purchasing power. With that in mind, today’s blog looks at 5 tips for low risk investing, so that you can grow your money without being too anxious. Enjoy. Tip 1)  Diversify. Diversification, while it’s a big word, Is actually a term used for a very simple concept; spreading your…
  • Investing Advice from the Greatest Investor in the United States

    Carmello
    8 Jun 2015 | 6:16 pm
    They say that if you want to learn something new, you should seek out an expert and let them teach you. When it comes to investing, the top expert is definitely Warren Buffett, regarded by many people to be the greatest investor of the last hundred years (and also one of the top 5 richest people on the planet). If there was ever a true expert at investing, Mr. Buffett is that person. With that in mind, we’ve put together a little bit of his best investing advice from over the years. Some of it might not be as specific as you’d like but, went taken as a whole, it’s advice…
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    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…
  • I Can’t Believe It’s March Already!

    savvyscot
    3 Mar 2015 | 1:02 pm
    It seems like only a few days ago I was writing a January update post… where the heck did February go? February was an EXPENSIVE month for me. Within a four week period, I have to contend with the following – Mum’s Birthday Valentines Day Mrs Scot’s Birthday Mother-in-laws Birthday Car Insurance Renewal Paying for Summer 2013 Holiday I don’t think it will come as a surprise after reading the above list that we didn’t manage to save much. I still managed to invest all the income from SavvyScot in Stocks and Funds towards my goal of generating a Passive…
 
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    I Need Money

  • Money and Politics: How Elections Impact on the Economy

    admin
    26 Jun 2015 | 3:11 am
    When it comes to managing money and personal finances, it is imperative that you understand the factors that impact on the economy if you are to be successful. From natural disasters and recession to war, there are a number of events that can either help or hinder economic growth and influence our ability to save money. One of the most significant is the political upheaval caused by an upcoming election, as was evident during the recent events in the UK. As media outlets reported one of the closest general elections in generations, the economy began to contract in a number of ways that…
  • How to Choose a Forex Broker in 3 Simple Steps

    admin
    28 May 2015 | 10:00 pm
    For many, investing appears to offer the ideal means of supplementing your income. The foreign exchange, in particular, is incredibly popular amongst those working around an existing job. Flexible, accessible, and potentially lucrative, it seems to be the perfect medium for achieving your financial goals without compromising any of your other commitments. However, in order to successfully trade the foreign exchange, you need to start by finding a suitable broker. No centralised trading area exists for those who choose to trade currencies, and this means that the brokerage firm you choose will…
  • The Key Small Business Accountancy Mistakes and how to avoid them

    admin
    26 May 2015 | 5:30 pm
    As a freelancer or small business owner, there are many factors that can impact on your ability to drive productivity. This is an increasingly prevalent concern, especially with an estimated 33% of the American workforce now freelancing and this number expected to rise to 40% by 2020. This is part of a global trend, and one the main issues facing this demographic is accountancy. More specifically, there are a number of freelancers and start-up businesses that struggle to manage their finances effectively, while others are unable to afford the charges of a reputable service provider. This can…
  • Short vs. Long-term Savings: How to strike the ideal Balance

    admin
    23 May 2015 | 5:19 pm
    Whenever financial savings are discussed, there is always talk of a perceived battle between short and long term planning. While this makes perfect sense on some level, it is important to understand that by striking a balance between the two you can develop a frugal lifestyle that can be maintained for a prolonged period of time. Although this may be easier said than done, it is possible if you remain committed to the cause and strive hard to create a viable strategy. Short vs. Long-term Savings: The Key Considerations One of the most important things to remember is that short and long-term…
  • How to make the right investment choices

    admin
    20 May 2015 | 5:18 pm
    There is no simple answer to this question, in the form of a one-size-fits-all solution. In fact, your answer will be unique to your own individual goals, needs and expectations. Here are a few guidelines to get you thinking about an effective and personalized investment spread. Evaluate your risk tolerance Younger investors may well find increased levels of risk more acceptable, and be happier with a high-risk portfolio, simply because they imagine that they have more time for saving. Less volatile investments are usually more attractive to older investors as they deliver steadier returns,…
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    Zoho Blogs

  • Zoho Survey – Multiple Feature Updates

    Gautham G
    3 Jul 2015 | 8:00 am
    Eagle-eyed users of Zoho Survey would have noticed a few more options popping up over the past couple of weeks. Wondering whether you might have missed any? Here is the whole list: Transfer your Survey Have you ever been in a situation where you created the perfect survey, and your friend begged you for a copy? Or you simply wanted to move your survey from one account to another, without losing all the reports you have painstakingly gathered? It’s quite painful to type the whole thing out again. The ‘Transfer Survey’ feature bypasses these issues. You can now send a…
  • Introducing Zoho Forms: Forms for Mobile Teams

    Narmadhaa
    30 Jun 2015 | 9:33 am
    Forms is all about entries, and entries mean data. Data that you have to study and act on, so why resort to stacking them in your basement — where they collect dust? Wouldn’t it be easier to create, share and submit forms on mobile devices, and then have the data automatically synced to the cloud? Introducing Zoho Forms: the smart solution to bulky paper forms. Take a peek at what you can do. //www.youtube.com/watch?v=8iymV94yoZY Zoho Forms combines data collection with two of today’s powerful technologies: cloud and mobile. The result is a mobile-friendly form builder…
  • Zoho Subscriptions is now connected to 400+ web apps using Zapier!

    Archana Narayan
    29 Jun 2015 | 6:25 am
    Companies today use a multitude of web applications for various purposes. While Zoho Subscriptions helps you to efficiently manage and track recurring billing, users might still want to integrate certain actions of Zoho Subscriptions with their in-house applications. For instance, once you enter the office, the first thing that you would do is check your e-mails and then have a look at your schedule for the day. If you are the head of an organization, you would take a look at the list of customers and decide if you have to add a customer to the campaigning list or wish to address them…
  • What Uber’s New Mobile Game Gets Right About Recruiting

    Austin Ries
    19 Jun 2015 | 9:18 am
    Over the past ​five years, the popular (and recently notorious) ride-sharing app Uber has grown from an idea to a juggernaut valued at an estimated $50 billion with drivers in 300 cities across 57 countries. And along with its somewhat polarizing public image of acting more like a frat house than a company, Uber has one universal ​dilemma: drivers don’t always know ​how to get where you want to go Last week, Uber took a step toward remedying this problem by launching a mobile iOS game called UberDRIVE. The purpose of the game is for players to navigate a real city map…
  • Reshape Your Documents using Zoho Writer

    Chinmayee Mishra
    18 Jun 2015 | 10:07 am
    A study by 3M Corporation states that ‘90% of information transmitted to the brain is visual, and visuals are processed 60,000x faster in the brain than text’. This means that when you send out a document with only text, chances are most of it never gets through to your reader. Making a meaningful connection with your reader can be a challenge when creating business documents. These documents are often professional, structured and include a large amount of text. But to make it more presentable, you can’t try jazzing it up with images in every third line or have clip art…
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    Cult Of Money

  • Can You Make it On a $30,000 Budget?

    Alexa Mason
    1 Jul 2015 | 1:15 am
    How hard is living on a $30,000 budget? The answer to that depends on where you live. If you’re in a place like Los Angeles, New York, or Washington D.C. then $30,000 is not going to get you too far. If you live in the Midwest, like I do, that amount of money can really stretch. Here’s an example of a $30,000 budget. $30,000 Budget Example Mortgage/Rent – $500 Utilities – $300 Internet – $25 Groceries – $600 Fuel – $150 Car Insurance – $50 Cell Phone – $50 Babysitting – $300 Savings/Debt Repayment/Retirement – $525 This budget is very…
  • Five Money Saving Mistakes to Avoid

    Robert Farrington
    1 Jul 2015 | 1:06 am
    If you have grand plans to meet savings goals each month but find it hard to reach these targets, it’s time to take a closer look at your savings strategy. You could be making one of the following common saving mistakes. Putting too much stock in special offers. You always buy items on sale and search for deals, so why aren’t you able to save more? One thing to keep in mind is that businesses sponsor special promotions, discounts, and offers, with one end goal in mind: to get you to make a purchase. If you’re purchasing items on sale that you really need, that’s a good way to save…
  • The Best Ways to Save on Back to School Shopping

    Alexa Mason
    17 Jun 2015 | 1:15 am
    I know, school just let out and here I am talking about back to school shopping already. The truth is these next couple of months are going to fly by and when September comes knocking you’re going to be scrambling to get all of those back to school necessities. You can avoid the craziness (and overspending) that back to school shopping causes if you start now! Here are some of the best ways to save money on back to school shopping. Clothes Clothes are one of the biggest budget killers when it comes to back to school shopping. Instead of feeling drained after replenishing your kid’s…
  • How to Effectively Pay Yourself First

    Alexa Mason
    10 Jun 2015 | 1:15 am
    I was balancing my checkbook last weekend and after paying the bills and the babysitter I was left with $82.56.  Since I’ve been making a lot more money over the past few months you’d think there would be a lot more money sitting in my checking account. But the thing is, I haven’t changed my system at all. The “pay yourself first” principle is something that I’ve managed to stick with and has gone extremely well. I spend the same amount of money regardless of how much I earn. I eat the exact same things. Go (or don’t go) to the exact same places. And when the checking account…
  • 10 Cheap Summer Activities for Preschoolers

    Alexa Mason
    3 Jun 2015 | 1:15 am
    With two little ones at home and a babysitting schedule that is rather loose for the summer I love finding fun ways to keep my girls busy. While both of my kids aren’t technically preschoolers (they’re five and six) these cheap summer activities for preschoolers are both educational and entertaining. Make Homemade Play Dough Making homemade play dough is a real treat for preschoolers. My girls really enjoy doing this. The only downside is the potential stains that come with adding food coloring. Here’s a no cook play dough recipe your kids are sure to love. Decorate Cupcakes Each…
 
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    PFhub - Business, Financial & Economic News

  • Considering Payday Loans, Consider This First

    Kate Morgan
    1 Jul 2015 | 8:56 am
    A payday loan, also referred to as a payroll loan, a salary loan, a payday advance, a short-term or cash advance loan, or a small dollar loan, is basically what it says on the tin. It’s intended to be short-term, it tends to be rather small, and it is unsecured thus you do not need […]The post Considering Payday Loans, Consider This First appeared first on PFhub - Business, Financial & Economic News.
  • HIV and Computer Malware Eerily Similar

    Steven Johnson
    8 Apr 2015 | 9:02 am
    HIV progression in your body is the same way computer worms and malwares infect your computer, says a group of researchers. A new report from the scientists shows that they have established a new model highlighting HIV progression and depicted the disease spreading like a virus would seep into a computer. HIV spreads throughout the […]The post HIV and Computer Malware Eerily Similar appeared first on PFhub - Business, Financial & Economic News.
  • Smart Stove Knob ‘Meld’ Replaces Sous Chef

    Andrew Moran
    8 Apr 2015 | 8:49 am
    Do you get frustrated when you cook a chicken and it turns out to be undercooked? What about when you cook pasta and the sauce is burnt and damages the bottom of your pot? Well, there’s a smart knob, and app, for that to remedy those dire culinary issues. Meld, which was co-founded by former […]The post Smart Stove Knob ‘Meld’ Replaces Sous Chef appeared first on PFhub - Business, Financial & Economic News.
  • Where’s the Beef? McDonald’s Bigger Badder Burgers

    Andrew Moran
    8 Apr 2015 | 8:43 am
    McDonald’s is continuing its initiative to revamp its image and cater to a wider audience. One of the ways it is doing so is by introducing larger sirloin burgers to its menu and respond to the age-old question that consumers have of, “Hey, where’s the beef?” Fast-food juggernaut McDonald’s is launching a brand of premium […]The post Where’s the Beef? McDonald’s Bigger Badder Burgers appeared first on PFhub - Business, Financial & Economic News.
  • YouTube Launching Twitch-like Streaming Service

    Angela Kaye Mason
    26 Mar 2015 | 11:11 am
    In 2011, a service called Twitch was launched, which was similar to Justin.tv but instead just honed in on gamers. It has quickly become one of the biggest video platforms and communities for video game enthusiasts. YouTube now wants a piece of that market. The Google-owned video sharing juggernaut is attempting to launch its own […]The post YouTube Launching Twitch-like Streaming Service appeared first on PFhub - Business, Financial & Economic News.
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    Smarty Cents

  • 11 Ways to Save Money at Your Favorite Restaurant Chains

    emybarrett
    22 Jun 2015 | 2:23 pm
    Going out to eat, even just for fast food, can burn a hole in your wallet if you’re not careful. But fear not! There are several ways to save at your favorite chains—happy hours, freebies, and rewards systems, for starters. Next time you hit up Starbucks or Sonic on your lunch break, remember these money-saving tips. Get a MyPanera Rewards Card Signing up with MyPanera is free, and every time you purchase a new order with your loyalty rewards card, you earn points toward your next reward, which can include free drinks and snack items. All year round, the rewards system will offer…
  • 10 Three-Ingredient Summer Cocktail Recipes

    emybarrett
    18 Jun 2015 | 9:30 am
    In the market for an arsenal of inexpensive summer cocktail recipes? We've got you covered.
  • Buying a Pre-1978 Property? Watch Those EPA Guidelines!

    alissaharb
    15 Jun 2015 | 9:36 am
    New real estate investors who either want to flip or rent properties often lack the funds to buy expensive homes, so they are inclined to look for less expensive ones. One way to find a more affordable alternative is to look for an older home.But these homes are often fraught with problems, such as outdated floor plans, small bedrooms, closets and bathrooms, and older electrical, plumbing, or heating and air systems. And then there’s that pesky lead based paint problem… Prior to 1978, 38 million U.S. homes contained lead-based paint on both the exterior and interior walls.Before 1940,…
  • 5 Ways to Build Wealth Through Real Estate Investing

    alissaharb
    15 Jun 2015 | 9:09 am
    When people talk about real estate investing, they often erroneously assume their return depends solely on whether the value of the home goes up or down.In fact, one myth created in the popular media is that you can’t make significant money in real estate because it only goes up about 1% more than the inflation rate each year. While that may be true for your primary residence, it completely misses the boat on real estate investment properties, and thus keeps people from understanding how substantial wealth can be easily created from owning real estate.The fact is that there are five…
  • What to Do If You’re Drowning in Credit Card Debt

    alissaharb
    11 Jun 2015 | 2:00 am
    Hope for the best, sure. But prepare for the worst. In that vein, Eric Grzymkowski’s What Do I Do If…?: How to Get Out of Real-Life Worst-Case Scenarios is a gift. Offering up realistic fixes to a laundry list of worst case scenarios, What Do I Do If…? answers a lot of burning questions. What do I do if my landlord raises the rent? And what do I do if I clog the toilet at a party? (Yikes.) But here, Grzymkowkski shares tips for addressing massive credit card debt, straight from the pages of his new book. What Do I Do If…I’m Drowning in Credit Card Debt? Likelihood of…
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    DINKS Finance

  • Weekly roundup: Happy July 4

    Kristina
    3 Jul 2015 | 2:00 am
    Happy July 4th weekend dinks.  Don’t you just love having a day off?  I always get a little bit excited on Thursday afternoons when I know I don’t have to go to work on Friday.  Don’t get me wrong, I love my job but I love sleeping in even more. Even though we get two days off for the weekend every week having an extra day is absolutely fantastic because it opens a door of things to do that you can’t always do in two days. How are you enjoying this long weekend?  I hope you’re enjoying this extra long weekend by doing something extra special.  I know…
  • How to Do a Financial Plan…The Right Way

    Kristina
    2 Jul 2015 | 2:00 am
    Good morning Dinks.  Let me ask you a question, do you have a financial plan.  Or actually here’s a better question do you know how to do a financial plan?  The odds are your answer is no.  And that’s O.K. Many people go through life without a financial plan and that’s O.K. too.  There’s no rule book that says everyone and their mother has to have a financial plan.  It’s not necessary but it does make achieving your goals a lot easier. I’m a firm believer in planning – everything.  I like to have a clear idea of what I’m doing for…
  • Finding the Perfect Wedding Gift

    Kristina
    1 Jul 2015 | 2:00 am
    Good morning Dinks.  I want to say a BIG CONGRATULATIONS to my friends Nelson @ Financial Uproar and Vanessa @ Vanessa’s Money on their engagement.  Come October these two lovely financial bloggers will be married in Las Vegas and guess who’s invited?! Yours truly. Nelson and Vanessa have both been very good friends to me – we’ve even met in person – and I’ve also worked with both of them on side hustle projects, so it’s only natural I get them a wedding gift to celebrate their special occasion.  I’m sure if you scroll down to the comments…
  • We’re thinking of buying a house

    Kristina
    29 Jun 2015 | 2:00 am
    Any thoughts on that?  If there’s one thing I’ve learned about being a lifelong renter it’s that’s everyone has an opinion on the fact that Nick and I are 35 years old and still rent an apartment.  So what do you think?  How many of our Dinks friends out there are like us and still rent? Renting is so easy It’s truly care free.  We aren’t responsible for anything except handing over a check to pay our rent each month.  I like the fact we don’t have to worry about hot water heaters, property taxes, eco-friendly windows and land surveys.  All we…
  • Weekly roundup: How to save money on groceries

    Kristina
    26 Jun 2015 | 2:00 am
    Good morning Dinks.  Let me ask you a question, how much do you spend on groceries each month?  Nick and I spend approximately $120 a week on groceries for the two of us.  I’m not sure if that’s a reasonable amount. How do you save money on groceries each week? Plan your menus I try to do this as much as possible but the problem is sometimes I feel like eating a certain food when I’m at the grocery store and then a couple days later I don’t feel like it anymore.  This usually ends up in me eating something I don’t want to or food being wasted – which…
 
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    Wallet Hub

  • 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…
  • 2015’s Best Investing Blogs

    John S Kiernan
    6 May 2015 | 3:55 am
    Posted by: John S Kiernan The investing world is one of the most thoroughly researched fields in the U.S. economy, with professional analysts, corporate insiders, individual investors, academics and influential bloggers all sharing their two cents (at the very least) about this grand game that has been compared to everything from “watching paint dry” to a “new weapon that destroys people but leaves buildings standing.” In fact, Amazon.com lists more than 20,000 investing books for sale. The sheer preponderance of investing insights as well as the drastic variation that exists in the…
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    Refinance and Consolidate Your Student Loans | Student Loan Hero

  • 3 Things You Need to Know Before You Start the Home Buying Process

    Paula Pant
    2 Jul 2015 | 1:00 am
    You’re sick of boring white walls, but your landlord doesn’t allow you to paint them. You’d love to adopt a puppy, but your apartment regulations say no. You’re tired of getting an annual letter that says your rent is about to increase. You’re beginning to think that you should buy your own home. Why not […]
  • Are Your Extra Student Loan Payments Being Applied Correctly? Follow These Steps to Make Sure You’re Maximizing Savings on Interest

    Melanie Lockert
    1 Jul 2015 | 1:00 am
    You’ve finally started to make some extra money. Wisely, you decide to put it towards your student loan payments so you can get out of debt as soon as possible. Yet even with larger payments—far more than the minimum, it feels like your balance isn’t decreasing. When you make large payments, lenders are required to […]
  • Get Big Wins from Saving on These Three Expenses

    Melanie Lockert
    26 Jun 2015 | 1:00 am
    What if I told you that you didn’t have to skip that cup of coffee in the morning and that you could keep your happy hours — all while paying down your student loans and saving money? Sounds too good to be true, right? Well, it’s not. Typical personal finance advice is to cut back […]
  • Top 5 Lenders to Consolidate and Refinance Parent PLUS Loans

    Melanie Lockert
    25 Jun 2015 | 1:00 am
    We’ve written a lot about how college graduates can pay off their student loans faster or even refinance their loans. Now, we want to give some much needed airtime to parents. There is a population of student loan borrowers that is often not talked about: Parent PLUS loan borrowers. Parent PLUS loans are taken out by […]
  • How to Create an Emergency Fund When You’re Repaying Student Loans

    Paula Pant
    24 Jun 2015 | 1:00 am
    You know you should have an emergency fund, but that’s easier said than done. How much money are you supposed to save? What exactly is this fund used for? And how do you balance setting aside money with those student loan bills (sometimes big ones) that need to be paid now? Emergency funds don’t have […]
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    Everyday Financial Strategies

  • 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…
  • Don’t Let Credit Cards Cave in Your Four Walls

    Robert
    22 Jun 2015 | 4:00 am
    Have you ever failed to pay your rent or mortgage on time because you had to make a credit card payment? If so, many Americans have been in this situation including a few of my clients. This is an example of not protecting your Four Walls. The Four Walls are food, clothing, transportation, and shelter. 1 Timothy 5:8 says, “If anyone does not provide for his relatives, and especially for his immediate family, he has denied the faith and is worse than an unbeliever.”  Based on scripture, we are called to take care of our family necessities first. Translation, pay the rent or…
  • What is Financial Coaching?

    Robert
    15 Jun 2015 | 4:00 am
    In my opinion, George Halas and Mike Ditka were great coaches. I am biased because they coached for the Chicago Bears, but I do believe they were great coaches because of their ability to teach and motivate their players to meet specific goals like NFL Championships (nine including a Superbowl title). Mike Ditka and Jim Harbaugh Coaching does not have to be sports related; a coach can help with physical, spiritual, career, relational or financial issues. A Pastor, counselor, therapist, personal trainer, or financial coach meets the definition of a coach. Financial Coaching Financial…
  • Who Makes the Household Financial Decisions?

    Robert
    8 Jun 2015 | 3:00 am
    Follow @robertjacobs01 Who makes the household financial decisions in your family? Is it the husband? Is it the wife? Who’s responsible? The answer is simple; both of you. Both have equal say, and both should respect each other’s opinion. However, that is not always the case in our culture. photo credit: Caucas’ via photopin cc Men and Women It is from my experience from financial coaching that the husband tends to be (or wants to be) the decision maker. That is not always the case, but it tends to be very common. Men and women are different; sometimes their difference can…
  • Build Wealth Without Guilt

    Robert
    1 Jun 2015 | 3:00 am
    Is it wrong for Christians to build wealth? My answer is ABSOLUTELY NOT. I don’t think it is wrong whether you’re a Christian or not. There is a lot of toxic talk in our culture today about the “rich” or “wealthy.” Politicians have used this theme to get elected and make it seem like the “Rich” are evil and only get to the top by taking advantage of people. photo credit: Ella’s Dad via photopin cc I also see it commonly used by Christians in combination with scripture such as Matthews 19:24, “Again I tell you, it is easier for a…
 
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    Modest Money

  • LendEDU Review – A Must Read Before You Refinance Student Loans

    Adam
    3 Jul 2015 | 6:15 am
    Hey everyone, Jeremy here again for another review. As you all know, I love talking about different tools to use to better manage your personal finances. I’d like to share a cool new marketplace that you might like to check out. It’s called LendEDU. You may have seen them recently on Huffington Post or Forbes, but just in case you haven’t heard of them. LendEDU is a marketplace for student loans and student loan refinance. LendEDU is a very new company working to help student loan borrowers get the best rates and terms on the market. The company may only be a year old, but LendEDU has…
  • Wallet-Friendly Tips for Living It Up in Los Angeles

    Adam
    2 Jul 2015 | 6:15 am
    Traveling to Los Angeles? If so, you’ll want to stay out of the expensive touristy places. Yeah, you can still have fun without it costing you an arm and a leg. Choose The Right Travel Option Before you even think about booking a hotel, book your flight. You can save a lot of money just by shopping around several months prior to your trip. Sites, like Hipmunk, will help you search deals on flights, lodging, and more. Most plane ticket prices are at their lowest on Tuesday or Wednesday. And, you’ll get optimal pricing at least 3 weeks out. Save Money On Room and Board When you arrive in…
  • 6 Responsible Credit Management Tips

    Adam
    1 Jul 2015 | 6:15 am
    Infographic provided by: Lendgreen If your parents have been managing your credit all along, suddenly having to deal with credit balances, credit scores, and credit reports might prove to be a bit of a shocker. And then there are the payments to consider. Credit management takes a sharp turn toward the serious when you become an adult and it can all be quite overwhelming. Here are some tips on how you can manage your credit more effectively, and keep credit problems from getting the better of you. Obtain a copy of your credit report You will likely want to review your credit standing when you…
  • Potential Mortgage Rate Increase Creates Refinancing Opportunities for Homeowners

    Adam
    30 Jun 2015 | 6:15 am
    The numbers are staggering. According to research done by the University of Chicago, an estimated 20% of American households are losing an average of $45,473 by not refinancing their mortgages with some missing out on upwards of $150,000! “People avoid refinancing because they believe the time, money, and other resources it requires aren’t worth what they’ll get in return” says Jason van den Brand, the CEO and Co-Founder of Lenda, an online-mortgage startup. “They see a process that’s full of red tape, stacks of paperwork and telemarketing and understandably try to avoid it.”…
  • Leveling Up: Times When You Shouldn’t Be Saving

    Adam
    29 Jun 2015 | 6:15 am
    Saving is a concept that’s on the lips of just about every financial advisor alive, from bloggers to the CPA sitting across a real desk from you. I’m all for saving, and it’s something I practice in my own life religiously. But saving should never become something that is pure habit. After all, we are all saving for something, right? I regularly advocate for emergency funds to be cultivated, and investments to be made in addition. But there are several situations in life where I think it is appropriate to throw these habits out the window, at least for a time, in order to pursue a…
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    Save Invest Give

  • 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…
  • Salt Water

    S. B.
    25 May 2015 | 7:04 am
    "The cure for anything is salt water: sweat, tears, or the sea." - Isak DinesenThis profound quote is an accurate description of the last six months of my life.  Nothing more needs to be said here.I will resume posting next week.
  • Waiting for Normal

    S. B.
    14 Jan 2015 | 8:56 pm
    "These are the times that try men's souls."- Thomas PaineIt's the middle of January, which means it's the usual time to make the yearly update to my Net Worth page, which I have done.  While the gains were not as stellar as the last two years, it was still a good year financially.There may also be a few people wondering what became of my startup plans.  I suppose people imagine the likely outcomes to be: (a) venture capitalists are knocking on my door and I'm inundated with work; (b) the whole project bombed and I'm licking my wounds; or (c) I wasn't prepared for the…
  • The Process of Giving Appreciated Stock to Charity

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

  • Unemployment Benefits for Self-Employed: There Is a Way

    Advisor Voices
    29 Jun 2015 | 11:40 am
    By Brock Andersen Learn more about Brock on NerdWallet’s Ask an Advisor If you’ve ever searched online for information about self-employment or working as an independent contractor, you’ve probably seen someone mention all the benefits that employees enjoy but that you would be missing out on. What most people don’t know, however, is that if you structure your business properly, you can take advantage of many of the same benefits a W-2 employee gets when working for someone else, while still enjoying the freedom, independence and self-determination that makes working for…
  • Time for Same-Sex Couples to Revisit Financial Planning

    Advisor Voices
    29 Jun 2015 | 11:02 am
    By Gavin L. DiStasi Learn more about Gavin on NerdWallet’s Ask an Advisor When the euphoria wears off a bit from the landmark Supreme Court ruling that legalized same-sex marriage nationwide, it will be time for many couples to take a good, hard look at what the decision means for their financial planning, estate planning and tax planning strategies going forward. For those living in states that already recognized same-sex marriage, the ruling may not result in recognizable changes right off the bat. But for those in states that previously did not recognize same-sex marriage, or for those…
  • Get the Right Insurance, and Leave ‘Game of Thrones’ on TV

    Advisor Voices
    29 Jun 2015 | 7:45 am
    By Robert Schmansky Learn more about Robert on NerdWallet’s Ask an Advisor In a recent episode of the HBO fantasy series “Game of Thrones,” the cute but deadly Arya Stark was tasked with assassinating a scam artist selling bogus “insurance” on the lives of merchants and sailors. In the world we live in, many people are paying for coverages that do not have an insurance purpose, wasting dollars on a policy that either will not pay or does not fit their needs. And while our legal protections are greater than those in the World of the Seven Kingdoms, it is important to heed Arya’s…
  • How to Withdraw Money From a 529 Plan

    Advisor Voices
    29 Jun 2015 | 7:00 am
    By Eric Toya Learn more about Eric on NerdWallet’s Ask an Advisor Every year, maybe every month, you diligently added to your child’s college savings in a 529 plan. Maybe Grandma and Grandpa kicked in some money to help out. It never seemed like enough — but then again, college seemed so far away. Hard to believe, but that time has come: time to send the little one (who is no longer so little) to college. And it’s time to tap into that 529 account. But how do you withdraw funds from the account without running afoul of the qualified distribution rules? Getting it right is important,…
  • Gay Marriage: Next Financial Steps for Couples

    Advisor Voices
    26 Jun 2015 | 2:38 pm
    By Steve Branton Learn more about Steve on NerdWallet’s Ask an Advisor The Supreme Court’s ruling on the rights of same-sex couples to marry carries important ramifications for the finances of gay couples around the country. How it affects a specific couple’s financial situation, however, depends on your current civil status and where you live. Couples living in states that already recognized gay marriage might not see much direct impact. The big changes will come for the thousands of couples living in states that previously did not recognize gay marriage. Those states are Arkansas,…
 
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    The Truth About Credit Cards.com

  • The Crystal Visa Infinite Card Lands In the U.S.

    Colin Robertson
    24 Jun 2015 | 4:06 pm
    The benefits of Visa Infinite have finally made it to American soil with the launch of the Crystal Visa Infinite Card issued by City National Bank. Interestingly, if you go to the Visa Infinite website the United States isn’t even listed as a country or region from the pull-down menu. Perhaps this will be updated [&hellip
  • Use Air Travel Credits to Get Your Prestige Card Annual Fee-Free

    Colin Robertson
    18 Jun 2015 | 2:43 pm
    There’s been a lot of buzz regarding the newly revamped Citi Prestige credit card lately, but the $450 annual fee is certainly hard to overlook. For some, it’s probably a deal killer seeing that it’s $450. That’s not cheap. But there’s a simple way to offset the entire cost of this enormous fee and actually [&hellip
  • Citi Doesn’t Seem to Care About Trees

    Colin Robertson
    2 Jun 2015 | 11:19 am
    A little over a week ago, I applied for the Citi ThankYou Premier Card. I figured the 50,000 point sign-up bonus was enticing enough to spend $3,000 in the first three months. After all, you can transfer ThankYou Points to airlines and then travel the world for free. Plus I’ve got some major spending to [&hellip
  • Keep Your Credit When You Close a Card

    Colin Robertson
    28 May 2015 | 5:41 pm
    You’ve probably heard that closing a credit card is the worst offense you can commit. While that’s certainly not true, despite the powers that be instilling fear into our lives on a daily basis, your credit score can be impacted by the closure of a credit account. If you wondering why it can hurt your [&hellip
  • Introducing the Credit Card Stylus – Never Touch a Touch Screen Again

    Colin Robertson
    11 May 2015 | 1:04 pm
    I do my best to cover all types of seemingly strange credit card gadgets that make their way to market, along with those that are in production or have aspirations to be. Lately, this has included a lot of all-in-one credit cards such as Stratos and Coin, and a new digital/physical wallet called the Wocket. [&hellip
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    Moneycation

  • Promotional clothing as a marketing strategy

    A.W. Berry
    2 Jul 2015 | 8:54 am
    Promotional clothing is tailored for target markets with style and preference By Daisy BurgessPromotional clothing is a very effective tool used by many companies as part of their marketing strategy. During the summer time, corporate clothing such as T-shirts and baseball caps are being given as giveaway promotional items. In winter, woollen hats, fleeces and jackets are also given out. It is very important to make sure that the printed clothing that you are giving outfits the season. This is because you need to ensure that the recipients will actually wear it, thus displaying your…
  • Minimize workplace incidents: Create a safe place for employees and customers

    A.W. Berry
    15 Jun 2015 | 6:09 pm
    Owning or managing a business certainly has its rewards, but it can have its stressful moments too. Not only are you responsible for the needs and satisfaction of your customers and employees, but you are also in charge of keeping them safe from workplace incidents that can result in injury. An injury within in the workplace has the potential to lead to legal trouble so it’s important that you take the steps to prevent such incidents before they occur.Common employee and customer accidents, such as slip and falls, must be prevented within the interior as well as the exterior of the…
  • Newsletter: Investment financial instruments

    A.W. Berry
    9 Jun 2015 | 5:00 am
  • 10 things you must include in your will

    A.W. Berry
    8 Jun 2015 | 5:00 am
    By David Johnson Writing a will is one of the most important things anyone needs to do in order to provide for their loved ones. What to include in it is important, as is how to actually state your wishes.Things to includeThings must be stated and identified clearly. In any kind of complexity it is usually advisable to consult a specialist. However there are a number of things you can be thinking about before getting to that stage:-You can gift particular items to named beneficiaries in your will – jewellery, furniture, family heirlooms, vehicles, investments - anything you own in…
  • How local businesses can get good online reviews that boost business

    A.W. Berry
    5 Jun 2015 | 7:42 pm
    By Michelle RubioOnline reviews are today’s version of the classic word of mouth, but exponentially faster and with a wider reach which is why it is very important to make sure that what is written about your products or services in the reviews is positive and accurate. Having good online reviews is vital to your online marketing strategy, especially if your business is in an industry where most of the competition have online reviews. If your listing has less positive online reviews relative to your competitors, your online visibility may be adversely affected.A Harvard Business School…
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    LCF on Personal Finance

  • *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…
  • 5 Things you did not know about being Frugal with money

    ChingFoo Lieu
    18 Jun 2015 | 7:54 pm
    Frugality. Some people look at it as a “mode” which we can switch into. It means when you flip the frugality switch ON, your thinking and action are focused towards extracting more money by doing things differently than you would normally do them. The thing about treating it like a “switch” to flip is that once you begin to feel like things are in a financially good place, it’s tempting to switch it OFF. Others may look at frugality as a way of life. Or a mindset, if you may. It is an embedded hardware feature – just like the memory you have in your…
  • These 4 Financial Advice needs to die

    ChingFoo Lieu
    10 Jun 2015 | 11:28 pm
    Lately, a good friend of mine was planning an extensive renovation for his newly OC’ed condo unit when she received some pretty crazy advice from a friendly contractor “You should expect to spend around 25% of your home’s value on renovation,” the contractor exclaimed. “Anything less than that you won’t feel happy staying in it” Of course, my friend balked at the idea. Not because he cannot afford it; just because it is the norm, it doesn’t mean he has to follow the herd. This whole situation with my friend got me thinking about all the…
  • These 9 mental traps on money – sound familiar?

    ChingFoo Lieu
    26 May 2015 | 2:00 am
    Many of us were brought in the middle class — and then continue the rest of our lives plagued by the thoughts, ideas and actions of the poor and the middle class. If you were brought up like I was, by parents that had great intentions but few ways to create financial freedom, then there is a good chance you are still trapped by mental money traps that continue to hold you back. I am not totally “free” from this but the below adapted from Inc is a good read to remind ourselves. Improvement begins with awareness. Undeniably, the wealthy think and operate differently…
  • 5 Common Misconceptions on Unit Trust Investing

    ChingFoo Lieu
    13 May 2015 | 6:06 pm
    1) The fund annual management fee must be deducted from the indicated ROI to reflect net return In a fund fact sheet, many investors tend to substract the annual management fee from the indicated returns to get the actual returns. For instance: Annual Management Fee : 1.5% Annual return : 10% Actual Returns : 8.5% The example above is a mistake. Firstly the annual management fee will be deducted from the fund’s Net Asset Value daily. Therefore when a fund publishes their fund price at the end of each business day, this is the true value of the fund after deducting all cost incurred…
 
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    Money Soldiers

  • How to Tell if Buying Gold is Right for You

    Arnel Ariate
    1 Jul 2015 | 7:13 am
    Gold has long been valued for its beauty and rarity.  In the ancient times, this precious metal played an important role in commerce, culture, and religion, and it was highly prized as a symbol of personal wealth and power. Today, gold is considered by many as a reliable repository of wealth.  Buying gold coins is […]How to Tell if Buying Gold is Right for You is a post from: Money Soldiers - Helping you fight your financial battles © 2012-2013, All Rights Reserved
  • The Risks Involved in Starting a Business

    Arnel Ariate
    30 Jun 2015 | 9:46 pm
    Starting a business is a huge step, no matter who you are.  There’s a lot of reward, but the risks are big, too.  People often don’t realise this, so here are the risks involved in starting a business.   Loss of Savings It’s always best to keep your business life and personal life totally separate, […]The Risks Involved in Starting a Business is a post from: Money Soldiers - Helping you fight your financial battles © 2012-2013, All Rights Reserved
  • The Essential Stock Tips You Have to Know

    Arnel Ariate
    30 Jun 2015 | 6:34 am
    Stocks aren’t as complicated as you may initially think.  That’s good news.  Stocks do have a lot of complex math behind them, but it can all be simplified into cases of buy or sell.  Not only that but predicting markets and knowing where to put your money can be made easy, too.  Success equals a […]The Essential Stock Tips You Have to Know is a post from: Money Soldiers - Helping you fight your financial battles © 2012-2013, All Rights Reserved
  • Top 5 Tips When Shopping Through Catalogues

    Arnel Ariate
    29 Jun 2015 | 3:55 pm
    When catalogue shopping, there are a number of different catalogues to shop through, and so many items you can buy online.  Whether shopping for new clothes, new electronics, kitchen appliances, or gaming devices, you have many different places to shop with.  So, consider these five tips not only to choose the right catalogues, but also […]Top 5 Tips When Shopping Through Catalogues is a post from: Money Soldiers - Helping you fight your financial battles © 2012-2013, All Rights Reserved
  • Need to Dispute a Medical Bill? 5 Tips to Battle Your Insurance Company

    Arnel Ariate
    26 Jun 2015 | 8:46 pm
    The only people who enjoy dealing with health insurance claims are, well no one.  It is usually an emotionally-charged, frustrating, and often confusing discussion to have with someone over the phone.  Health insurance companies have the goal of paying out as little as they can.  You, as the recipient of health insurance, pay good money […]Need to Dispute a Medical Bill? 5 Tips to Battle Your Insurance Company is a post from: Money Soldiers - Helping you fight your financial battles © 2012-2013, All Rights Reserved
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    Hull Financial Planning

  • Estate Planning for Pets

    Jason Hull
    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 […]Learn to beat your Monkey Brain and Accelerate Retirement. Estate Planning for Pets is a post from Fort Worth Financial Planner Hull Financial Planning Related posts: Estate Planning and Trusts: An Interview with Attorney Ben Grosz The Surprising Suggestion for Who Should Receive Your…
  • Why Doctors Smoke and Why You’ll Follow Financial Advice From Someone Else

    Jason Hull
    25 Jun 2015 | 6:00 am
    “My doctor tells me I should start slowing it down – but there are more old drunks than there are old doctors so let’s all have another round.” –Willie Nelson “If two heads are better than one, then what about double chins?” –Jarod Kintz Have you ever walked into a doctor’s office or a hospital […]Learn to beat your Monkey Brain and Accelerate Retirement. Why Doctors Smoke and Why You’ll Follow Financial Advice From Someone Else is a post from Fort Worth Financial Planner Hull Financial Planning Related posts: Why That Advice Column and Those Online…
  • What Would You Do If This Pay Stub Was Yours?

    Jason Hull
    18 Jun 2015 | 6:00 am
    I’m out this week at the Women’s World Cup (go USA!), so we’ll do a quick, fun exercise! Below is a picture of Major League Baseball star Andrew McCutchen’s pay stub. What do you see wrong with the pay stub? What would you do with one paycheck of that size? Let’s talk about it in […]Learn to beat your Monkey Brain and Accelerate Retirement. What Would You Do If This Pay Stub Was Yours? is a post from Fort Worth Financial Planner Hull Financial Planning Related posts: How Much Would You Have to Budget to Go to the Women’s World Cup in 2015? An Open Letter…
  • Should I Stay or Should I Go?

    Jason Hull
    11 Jun 2015 | 6:00 am
    “Every dreamer knows that it is entirely possible to be homesick for a place you’ve never been to, perhaps more homesick than for familiar ground.” –Judith Thurman “There are things you just can’t do in life. You can’t beat the phone company, you can’t make a waiter see you until he’s ready to see you, […]Learn to beat your Monkey Brain and Accelerate Retirement. Should I Stay or Should I Go? is a post from Fort Worth Financial Planner Hull Financial Planning Related posts: Hull Financial Planning Personal Finance FAQ Series: How Do I Stay Engaged…
  • Where’s Waldo? My Recent Appearances

    Jason Hull
    4 Jun 2015 | 6:00 am
    Occasionally, others ask me to share some insight with their audiences on a variety of personal finance topics. I’m always grateful to them for sharing the opportunity. Here are a few of my recent appearances for (what I hope is) your reading pleasure: MarketWatch | How to Save $1 Million in Your 401(k) How to […]Learn to beat your Monkey Brain and Accelerate Retirement. Where’s Waldo? My Recent Appearances is a post from Fort Worth Financial Planner Hull Financial Planning Related posts: Where’s Waldo? My Recent Appearances Where’s Waldo? My Recent…
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    Listen Money Matters

  • The 4% Rule Vs Real Estate

    Allison Karrels
    25 Jun 2015 | 3:00 am
    The 4% rule versus real estate investing. We give you a head to head comparison. A recent discussion started on the Listen Money Matters Community site that got me thinking – how does the 4% rule work? This is a simple enough question and one many investors ask when checking on their progress toward retirement. The “4% rule” is a theory that states you should be able to retire and safely withdraw 4% of your savings every year and your money should last 30 years. There are many assumptions with this – a 3% historical inflation rate, 7% stock return, 4% bond return, and a 50%…
  • Traveler’s Rights

    Candice Elliott
    23 Jun 2015 | 3:00 am
      It’s peak travel season which means there is more that can go wrong. If your travel plans are interrupted, it’s important to know your traveler’s rights. You wait all year for your vacation and you want things to go smoothly. But they don’t always. If you know what you are entitled to and how to get it before something goes wrong it can save you time, anger and frustration. Flying Long gone are the days when air travel was elegant and enjoyable. Now your Fourth Amendment rights are violated in the name of security theater, you’re nickel and dimed for every…
  • Allison’s Real Estate Investment Strategy

    Laura Fiebert
    22 Jun 2015 | 4:51 am
      Thinking of getting into real estate investing but have no idea where to begin? On todays episode we talk to our friend Allison about her personal real estate investment strategy and what she has learned about the market. Allison is no stranger to real estate investing. With four properties already and one in the works, her and husband plan on acquiring ten properties in next ten years and retiring comfortably on their rental property income. Location is the most important when looking for real estate you want to invest in. Allison recommends finding a good college town, preferably in…
  • Don’t Blow Your Budget On Vacation

    Laura Fiebert
    18 Jun 2015 | 3:00 am
      It’s hard sticking to a budget day to day and even more so while relaxing on vacation. Don’t leave your budget behind when jetting off. After working your ass off all year, you deserve a relaxing vacation without worrying about money. However, the “Fuck it, we’re on vacation” spending can get out of control. It’s very easy to fall off the wagon. You shouldn’t be skimping on a great experience, but you also don’t want to spend like it’s your last day on earth. When you get back to reality and find an astronomically high credit card bill, all that…
  • How to Fix Bad Credit

    Candice Elliott
    16 Jun 2015 | 3:00 am
      Many of us are not happy with the state of our credit. There are companies who claim they can repair bad credit. Are they real or are they a scam? You see the ads on late night television, hear them on radio, and get them in the mail. “Bad credit? No problem! We can help!”  One third of Americans have a low credit score and if you are among them and especially if you are looking to buy a home or a car, these claims are very appealing. But can they or are they a scam just looking to take your hard earned money? What can a credit repair company do, what can’t they do,…
 
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    Equifax Finance Blog

  • More Millennials Are Shirking Credit Cards—But That Doesn't Mean They Should

    Camille Puschautz
    2 Jul 2015 | 9:00 am
    When Kara Faley and her husband Matt tied the knot in 2014, they brought more than love into their marriage. They also brought “a pile of debt,” Faley says. In order to get their marriage off on the right foot the couple decided to try living without credit cards to help them stay within their means. “Paying off school or car debt is fruitless if the credit card debt keeps accruing,” Faley explains. So, soon after they married, Faley and her husband paid off their credit debt and cut up their cards. They are not alone. According to an April 2015 recent study by CreditCards.com, 36…
  • Four Warren Buffett Quotes That Can Help You Be a More Responsible Borrower

    Camille Puschautz
    1 Jul 2015 | 5:00 am
    Warren Buffett is one of the most well-known and successful American investors. He became a billionaire through his business knowledge, genius for investing, and frugal nature. While you may not be able to invest with his skill, you can put Buffett’s financial advice to use—especially when it comes to your credit score. Here are four Warren Buffett quotes to keep in mind as you work to become a more responsible borrower. “Someone is sitting in the shade today because someone planted a tree a long time ago.” According to financial expert Kimberly Palmer, author of “The Economy of…
  • Four Ways to Move on a Budget

    Miranda Marquit
    30 Jun 2015 | 5:00 am
    Moving can take a big chunk out of your budget. The American Moving and Storage Association estimates that it costs almost $1,200 for the average in-state move and more than $5,000 for the average out-of-state move. However, moving doesn’t necessarily mean you’ll be stuck with such a large bill. Here are a few moving behaviors to consider that help reduce costs, whether you are moving across the state or across the country. 1. Purge your stuff. “There’s no need to haul stuff across the state or country that you don’t really want anyway,” says John Egan, editor-in-chief of the…
  • Five Ways to Insure Wedded Bliss

    Loretta Worters
    25 Jun 2015 | 5:00 am
    When you’re engaged, planning your dream wedding can be fun. However, during this exciting time, it’s important to remember to factor in the practical aspects of a wedding, such as insurance. Here are some other types of insurance to be aware of before Before you say “I do,” you and your significant other may want to consider shopping for the following insurance: 1. Insurance for the ring The average cost of an engagement ring today is nearly $6,000, according to wedding website the Knot. So what happens if that ring is lost or stolen? Most standard homeowner’s and renter’s…
  • Identity Theft Protection: How to Safely Carry Your Medicare Card

    Miranda Marquit
    24 Jun 2015 | 5:00 am
    Identity theft is becoming an increasing concern, especially for seniors. In fact, one source of personal information that fraudsters can use to steal your identity is your Medicare card. Part of the problem with Medicare cards is that your health insurance claim number (HICN) under Medicare is the same as your Social Security number (SSN)—and that full number is displayed on your Medicare card. The Social Security Administration warns consumers to avoid carrying their Social Security card with them, but Medicare cards instruct beneficiaries to carry their card at all times in order to be…
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    The Simple Money Blog

  • 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 →
  • How do you plan for a major purchase?

    Kirby
    18 May 2015 | 4:30 am
    KJ: Planning for a major purchase can be difficult, so here are some tips to think through how you can plan for the expense, budget for the expense, and account for the expense when it ultimately happens. Any major purchase … Continue reading →
  • Traditional IRAs, Roth IRAs, and Roth conversions (video number two – vlog)

    Kirby
    11 May 2015 | 4:30 am
    KJ: This is our second vlog post to date, so we hope you like it! This video is all about saving to Traditional IRAs, Roth IRAs, and how you may still be able to save to a Roth IRA even … Continue reading →
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    My Money Design

  • How to Retire By 55 (or Sooner) on a Salary of $50,000 or Less

    MMD
    28 Jun 2015 | 11:00 pm
    If you’ve got dreams of retiring early by age 55 or sooner, then you’ll be very delighted to know that this goal is well within your reach! Believe it or not, our ability to reach financial independence is something that is always possible to achieve. Though the path to get there may not always be clear, there are always certain actions we can take that will cut through the brush and reveal a clearing at the end of the forest. The biggest question and sometimes most challenging obstacle: How? You might think that the dream of financial freedom is something that is only reserved for the…
  • Countering The Arguments Against P2P Lending

    Contributor
    21 Jun 2015 | 11:00 pm
    MMD: Today we have a mega guest post from fellow personal finance blogger ARB.  Take it away! Hello, readers of My Money Design! I am ARB, the Angry Retail Banker! Over on my blog, I offer what I call “An Insider’s Take On Retail Banking”, which means that between bouts of raging out and threatening my entire customer base with physical harm, I talk about both life as a branch banker and ways for you to maximize your banking relationship. I am here today to talk about absolutely none of that stuff. Before you all hit the back button on your browser and type “funny cat videos”…
  • How Much Do I Need to Save for Retirement?  Probably Much, Much Less Than You Think!

    MMD
    14 Jun 2015 | 11:00 pm
    When it comes to your retirement savings, how do you know when enough is enough? According to an article from CNBC, a global investment management firm surveyed investors and you know what they came up with? An average retirement nest egg of $2.5 million! That’s how much they believe it will take to have the same quality of life they’re enjoying today. As I found out first hand at a lunch outing with a friend, this sort of belief is all too common! But what if it’s not at all true?  What if you really sat down and actually figured out how much do I need to save for retirement and…
  • A No-Brainer Way to Lower Your Bills – For Free!

    MMD
    11 Jun 2015 | 11:00 pm
    One of my favorite blog series to follow along with is J Money’s “Challenge Everything” series over at Budgets are Sexy. In case you don’t know this one, basically what J does is take a different bill every month and tries to get it lowered. Or another thing he’ll try is to look for some other side hustle to make a little extra money on the side. Collectively this ends up going into a special fund that he can do whatever he wants with when it’s all done. So far he’s done quite well with himself. At last count he was over $4,000 bucks!   Lower…
  • Niche Website Income Report 30 – $983 for May 2015 – The HOTH Platinum Package

    MMD
    7 Jun 2015 | 11:00 pm
    Hello and welcome to yet another edition of our Niche Website Income Report! Every month I publish these reports to let you, the readers, know what’s going on with this passive income effort as well as help keep myself accountable.  This forces me to really task myself with trying to find new and creative ways to grow my online empire. Ultimately our goal is to build up as many passive income streams as possible from these websites while only investing a minimal amount of time and resources (therefore getting the best return-on-investment we can earn). I can’t believe we’re already at…
 
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    The Quizzle Wire

  • Do you really need to pay off your mortgage early?

    Miranda Marquit
    3 Jul 2015 | 6:00 am
    The instinct to pay off debt as quickly as possible is one of the strongest financial urges we have. It makes sense, since debt can drain your resources and prevent you from making other, more beneficial, financial moves. But do you really need to pay off your mortgage early if you want to embrace a smart debt strategy? “We bought a house right after university, and I remember seeing that large sum leaving the account every two weeks,” says Kornel Szrejber, the found of Build Wealth Canada. “I started fantasizing about all the things we could do once we weren’t spending all that money…
  • How to compare credit card offers

    Miranda Marquit
    29 Jun 2015 | 6:00 am
    “The credit card business is super-competitive right now,” says Matt Schulz, a Senior Industry Analyst at CreditCards.com. “People are spending again. Banks are lending again. That’s all led to better deals for credit card customers willing to do their homework.” Rather than getting a credit card from your bank, or accepting the first credit card offer you receive in the mail, Schulz suggests getting out there and actively searching for the best deals for you. Sites like Quizzle offer to help you find good credit card deals, and you might be surprised at what’s available. “Go…
  • 5 non-loan financial transactions that may require a credit check

    Miranda Marquit
    24 Jun 2015 | 6:00 am
    When you think of a credit check, chances are your thoughts jump to loan transactions. After all, the point of a credit history is to provide context for your past credit transactions as a way to predict the default risk you pose to a current lender. The reality, though, is that your credit profile is used for other financial transactions. Just because you aren’t borrowing money, it doesn’t mean that your credit information isn’t being used to make judgments about your level of financial responsibility. Here are five non-loan financial transactions that may require a credit check: Cell…
  • Tips and tricks for saving during summer travel

    Cathy
    22 Jun 2015 | 6:00 am
    It’s summer, and you’re going on vacation! Your transportation is booked, and your hotel is paid for. But you still want to save money while you’re away from home. Here are some tips and tricks to maximize your fun while minimizing your expenses: Determine if travel insurance is right for you. You probably already have some insurance coverage through your homeowner’s or renters policy, and possibly through a credit card if you used one to pay for travel-related expenses. However, under some circumstances, it may make sense to purchase additional travel insurance. For…
  • How to whip your credit into shape before you apply for a mortgage

    Miranda Marquit
    19 Jun 2015 | 7:59 am
    One of the biggest purchases you will ever make is likely to be your home. A home purchase is usually so large that you need to borrow money to complete it. Your mortgage is a large amount to borrow, no matter the price of your home. As a result, one of the best things you can do if you want to save money over time is to get the lowest possible mortgage rate. The most important factors considered by mortgage lenders when determining your rate is your credit score. “The higher your credit score, the lower the rate you’ll get for your mortgage,” says Beverly Harzog, the author of The Debt…
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    Credit Card Insider » InsiderCredit Card Insider

  • Best Rewards Credit Cards – Summer 2015

    Brendan Harkness
    2 Jul 2015 | 8:24 am
    Rewards credit cards can be a great way to earn some cash back and access special services while taking care of the shopping you already do. When used responsibly, credit cards should only be a convenience, and never a cost. If your credit cards are costing you money, you’re using them wrong! Rewards cards come […] The post Best Rewards Credit Cards – Summer 2015 appeared first on Credit Card Insider.
  • Q&A Video – What Are The Factors That Affect My Credit Score?

    John Ulzheimer
    2 Jul 2015 | 7:43 am
    If you don’t know about the individual components that go into creating your credit score, this video will be a great place to start. Your FICO credit score is made up of 5 factors drawn from your credit reports: Payment History, Amounts Owed, Length of Credit History, New Credit, and Types of Credit in Use. […] The post Q&A Video – What Are The Factors That Affect My Credit Score? appeared first on Credit Card Insider.
  • Here’s Why “Thin Credit” Consumers Might Now Have a FICO Score

    Kimberly Rotter
    1 Jul 2015 | 9:18 am
    The term “thin” credit report refers to a consumer credit history that has insufficient data to assign a score. It doesn’t take much to get a FICO score: At least one credit account must be reported to a credit reporting agency At least one account (it can be the same one) must have been open […] The post Here’s Why “Thin Credit” Consumers Might Now Have a FICO Score appeared first on Credit Card Insider.
  • Q&A Video – Is It Better To Settle A Collection Account Or Pay It In Full?

    John Ulzheimer
    1 Jul 2015 | 8:25 am
    Having unpaid collection accounts can be a tricky financial situation. What’s the right move when you’re being hounded by a collection agency? Should you settle the debt or pay it in full? Unpaid collection accounts will also appear on your credit report, damaging your credit score. What’s the best way out of this situation? Learn what […] The post Q&A Video – Is It Better To Settle A Collection Account Or Pay It In Full? appeared first on Credit Card Insider.
  • Q&A Video – What’s The Difference Between Credit Reports and Credit Scores?

    John Ulzheimer
    29 Jun 2015 | 7:55 am
    Credit reporting is a bit complicated, and, despite some rumours to the contrary, credit reports and credit scores are two different things. Your credit reports are made up of the information that’s been reported about you by lenders you’ve had relationships with. The credit score, then, is like a numeric summary of your credit report, […] The post Q&A Video – What’s The Difference Between Credit Reports and Credit Scores? appeared first on Credit Card Insider.
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    SideHustle HQ

  • 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,…
  • Starting a Brewery as a Side Business

    SideHustleHQ
    16 Jun 2015 | 3:32 am
    Since the dawn of the craft brewing revolution in the early 1990s, small-time breweries have exploded in popularity. As of 2014, there are at least 3,200 microbreweries and brew pubs spread around the United States. Last year alone, craft brewers produced 22.2 million barrels of beer and raked in $19.6 billion in revenue. Clearly, this is a trend that’s not going anywhere any time soon. You can cash in on the movement and build a business that’ll thrive for decades by launching your own craft brewery on the side. Flesh Out the Business Plan With a little ambition and planning,…
  • Starting a Gourmet Popcorn Side Business

    SideHustleHQ
    24 May 2015 | 7:25 am
    As we all know, the general public has been getting pickier in recent years when it comes to what they put in their bodies. Nowadays, many consumers prioritize quality and variety over cost. As such, it’s quite possible to make a killing in the food service business by taking the gourmet route. The popcorn industry is a $1 billion market in the US alone, with over 16 billion quarts of popcorn being consumed by Americans alone every year. If you want to launch a gourmet popcorn business, follow this simple plan. Perform In-Depth Market Research The first thing that you’ll need to…
  • Starting a Farmers Market Business

    SideHustleHQ
    20 May 2015 | 3:33 am
    One of the most powerful trends that’s swept across the greater American consumer landscape in recent years has been the rise of food awareness. People value quality produce and meats like never before and want to know where their meals are really coming from. The popularity of farmers markets are just an expression of that reality. In 2012 alone, local food sales were valued at roughly $7 billion in the United States. Clearly, there’s money to be made in this niche sector. If you want to launch your own farmers market and reap the benefits, use the following general guidelines.
 
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    Covenant Trust Company

  • 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…
  • Your financial plan

    Covenant Trust Company
    20 May 2015 | 11:23 am
    A financial plan goes beyond setting a monthly or annual budget. It’s about knowing how you’re going to save money as well as spend it to reach your goals over an extended period of time. How you manage your income and expenses will vary, but regardless of how the specifics change be sure your financial…
  • Financial literacy as your financial legacy

    Covenant Trust Company
    30 Apr 2015 | 7:29 am
      When we talk about leaving a legacy, we usually think in concrete terms: money, property, or some other type of asset. However, sharing financial literacy and wisdom with the generations that follow us can make just as big of an impact as leaving a gift. Financial literacy has become a national topic in the past few…
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    Debt Consolidation USA

  • 5 Ways To Shop Smart And Save Money

    al
    3 Jul 2015 | 4:20 am
    When you go out and try to buy the things that you need at home or for work, you always want to shop smart and make the most out of your money even if it is for holiday shopping. But there are a lot of people saying different things on how to achieve just that. […] The post 5 Ways To Shop Smart And Save Money appeared first on Debt Consolidation USA.
  • 8 Items To Never Purchase Online

    al
    30 Jun 2015 | 11:29 pm
    Technology has made it possible for consumers and business owners to interact and do business with buyers being able to purchase online. Starting from the trade of goods to using currency to get the things that people need, people are now able to buy items online and with the proliferation of online stores, the choices […] The post 8 Items To Never Purchase Online appeared first on Debt Consolidation USA.
  • 5 Financial Benefits Of Saying No

    al
    28 Jun 2015 | 11:14 pm
    Almost anyone who handles a household budget would be on the lookout for habits that would yield financial benefits for them and their monetary goals. Some would prefer the more conventional and time-tested habit of saving a certain percentage of their income and putting it in savings to tide them through their future needs. Forbes.com […] The post 5 Financial Benefits Of Saying No appeared first on Debt Consolidation USA.
  • 8 Smart Ways To Use Extra Funds In Your Budget

    al
    23 Jun 2015 | 11:58 pm
    When you have been living from paycheck to paycheck for the past couple of years and you finally got your budget plan order, you might see some extra funds in your budget showing up. This can be both a happy and confusing day for your. Happy because now you have extra funds in your budget […] The post 8 Smart Ways To Use Extra Funds In Your Budget appeared first on Debt Consolidation USA.
  • 5 Words Of Wisdom From Dad About Handling Money Management

    al
    22 Jun 2015 | 3:26 am
    Money management is a particularly important skill that would benefit you and your household budget and overall finances in the future. This is a valuable tool that can help you in either reach your financial goals or survive a financial emergency. Needless to say that how your perform in the future largely depends on how […] The post 5 Words Of Wisdom From Dad About Handling Money Management appeared first on Debt Consolidation USA.
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    Personal Finance Blog | LSS

  • 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…
  • Three Frugal Tips from a Love of Frugality

    Kate Swenson
    18 Jun 2015 | 8:26 am
    I’m a frugal person. My friends will tease me about the extreme measures I take. I like to think they are teasing with love and admiration. (Or maybe I’m headed to be featured on a new reality show.) I’m the child of depression-era parents. Nothing that could be reused was thrown away in our house. Not a single piece of scrap lumber or old clothes. Both of my parents experienced financially difficult childhoods. My mother’s family were farmers during the dust bowl years. They moved from farm to farm on the prairie in western Minnesota, battling the dust and wind,…
  • What Does It Feel Like To Pay Off Debt?

    Kate Swenson
    4 Jun 2015 | 12:44 pm
    Debt can be very scary. Heck, real life is scary. There’s having a job, being a parent, being a spouse, owning a home, etc. Then add money into it. Or lack of money. And then bills. And more bills. Ask anyone what debt feels like and they will say words like: overwhelming, paralyzing, crushing. At LSS we get it. And can help. Here are three stories of real people struggling with their debt. Maybe you can relate. I went through a divorce in 2002 and obtained custody of my three young daughters. Going from a two income household to one was a huge change for me, especially with three…
  • The Allures of Summer

    Kate Swenson
    1 Jun 2015 | 10:12 am
    Up here in Duluth, MN, it’s basically summer (or at least an approximation of what summer generally looks like in this part of the country.  It’s a bit like one of the Magic Eye pictures: if you stare at it long enough, you might start to see it.) Along with summer comes a different lifestyle, especially here.  We hunker in so long and so deep over the winter that by the time the weather has finished changing, we want to spend as much time being active as we can.  There are two ways to go about this change of lifestyle, financially: 1) The responsible way; and 2) The wrong way.
 
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    Minting Nickels

  • 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…
  • Which Financial Careers Offer the Best Pay

    Justin
    11 May 2015 | 6:56 pm
    Despite being very lucrative, financial careers are among the most challenging sectors in the industry. Often related to insurance, finance professionals have a plethora of roles that they can explore. It is highly recommended that you choose a career path that involves the use of analytical skills combined with management of a company department that is responsible for developing and setting out policies. You can also opt for those careers that either directly or indirectly lead you join the finance department of an organization. Banking and financial services are the major components of the…
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    Debt RoundUp

  • Republic Wireless Just Dropped the Price of the Moto X

    Grayson Bell
    2 Jul 2015 | 10:45 am
    It’s true. Republic Wireless, the awesome hybrid cell service company, has just dropped the price of their best phone. The Moto X (2nd generation) was at $399, but now they are cutting $100 off the price. This phone is a great phone to have and you can see that their customers rate it a 4.4 out of 5. Not bad at all! I’m not going to provide a huge post about this, but wanted to make those who were on the fence about Republic Wireless. This is your chance to get an awesome phone with 4G LTE technology for $300. Try getting a new iPhone for $300! Republic Wireless has changed the…
  • I’ve Made Money Writing for Blogs! Here’s How to Start Freelance Writing

    Grayson Bell
    2 Jul 2015 | 7:45 am
    This post is a part of the Get Paid to Write for Blogs Course Launch! Get Paid to Write for Blogs is a brand new course created by Cat Alford of Budget Blonde. Cat makes a full time income from writing for blogs, and this course will teach you how to do the same. As someone who has made good money freelance writing for other blogs, I know this method works. It’s not a get-rich quick scheme, but it can be lucrative and support your family. Cat does this full time and is good friend of mine. Her course is in-depth and will help you get started! Making more money is a dream for many, but…
  • Tips for Stay-at-Home Moms Going Back to Work

    Mike Collins
    1 Jul 2015 | 3:15 am
    The other day I was having lunch with my friend Vanessa who recently rejoined the workforce after staying home to raise her kids for the last two and a half years.  She actually wasn’t planning on working again until the kids were old enough to enter kindergarten, but not everything went according to their plan. When Vanessa’s husband was downsized and unable to find a job that paid anywhere near what he had been earning, they realized they could no longer afford to be a single-income family. With great trepidation Vanessa came back to the job she thought she had left behind forever. As…
  • Betterment Now Offers a SEP-IRA and the Self-Employed Rejoice!

    Grayson Bell
    30 Jun 2015 | 8:15 am
    I’m a big fan of Betterment, one of the best robo-advisor companies out there. I got started with Betterment back in 2012 and it’s been a great experience ever since. Not only did I open my Roth IRA there, but I also have a little individual investor account there for an emergency fund. All in all, the process with Betterment was been excellent. You can check out my original Betterment review. Their system allowed me (a novice investor at the time) to get up and running in less than 10 minutes. I signed up for an account, picked Roth IRA, then picked my goals. They gave me what…
  • How Complacency Has Been Costing Me Money

    Grayson Bell
    29 Jun 2015 | 3:15 am
    Ever since stepping onto the other side of debt three years ago, I’ve been on a mission to save money on my “fixed” expenses. I first started with cutting cable and going with the awesome (and inexpensive) Mohu Leaf to get my TV fix when I needed it. My wife and I also kicked Verizon to the curb and laughed at their high prices and stupid contracts. I’ve tried a number of services like Walmart Family Mobile, Republic Wireless, Cricket, and many more. It’s nice being able to switch with no worries about breaking a contract or paying termination fees. Those are…
 
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    The Smile Lifestyle - Phroogal

  • What Life Costs after College

    Will Lipovsky
    3 Jul 2015 | 3:06 am
    Life begins to look expensive after graduation. You’re now moving into the ‘real world.’ I think calling life after college the ‘real world’ is a bit condescending. I know when I was in college, the world still felt pretty real. But regardless, we all know what this phrase means. It means you’re now an adult who must face the battles beyond the graduation stage. The biggest battle fresh grads face is dealing with money. And with good reason! Money is one of the most important aspects of our lives – and it’s not really taught in school! Not only…
  • 7 Mistakes to Avoid When Decluttering

    Will Lipovsky
    1 Jul 2015 | 7:32 am
    Cutting down on clutter helps you stress less and save money. It’s a rewarding process, if it’s done right. Done wrong, decluttering becomes a futile effort that only increases your stress and wastes money. To make the most of your decluttering efforts, avoid these 7 mistakes: 1. Taking an “All or Nothing” Attitude Many decluttering efforts never get started because it’s too daunting to finish in one go. It’s important to set small goals for yourself–a drawer, a closet, a room–rather than trying to finish your entire house or apartment in one day. Remember, things will…
  • Tasty Lunch Recipes That Won’t Break Your Budget

    Athena Lent
    29 Jun 2015 | 6:41 am
    Trying to save money? Try these tasty DIY lunch recipes! Lunch. We all need to eat but it’s easy to get comfortable spending way too much money on eating out. Eating out daily isn’t even much of a fun experience. You begin to get accustomed to spending big money each day. If you spend what the average person spends grabbing something quick from the drive-through or deli, you are probably spending close to $10. This ends up being $50 a week. There are 52 weeks a year. It’s very possible you could spend $2,600 each year – just on lunches out! I don’t know about you…
  • My Personal Investment Plan

    Ossiana Tepfenhart
    26 Jun 2015 | 2:05 am
    The is the story of how I’m creating my personal investment plan. Hopefully it inspires others to create their own! By now, I have already realized there are a number of different venues my investing could include: real estate, lending notes, liens, stocks, bonds, FOREX, and options were all options I could consider. It was clear I needed to create a diversified investment portfolio in order to gain the most wealth in the long-term. Also, this would help me sleep comfortably at night. I also had to figure out how much money I was going to allot to this specific area of my life. To…
  • 9 Easy Meal Prep Ideas to Save Time and Money

    Will Lipovsky
    24 Jun 2015 | 2:05 am
    No matter how many coupons you clip, food always takes up a large chunk of your paycheck, especially if you frequently dine out or have a Starbucks addiction. Fortunately, there are simpler ways to save money that don’t require paper cuts or forgoing your favorite treats. The easiest way to save time and money when it comes to food is to plan your meals beforehand, but sometimes the process of making all your meals on Sunday seems intimidating and a waste of the weekend. With these frugal tips you’ll save money, avoid wasting your weekend and keep your waistline trim. 1. Stock up on…
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    Elephant's Paycheck

  • 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…
  • Thinking about pay raises

    David Bressler
    10 Jun 2015 | 7:17 am
    Have you gotten a pay raise lately? Probably a better question is: are you working at the level you’re capable/trained for, or are you just grateful to have a job with benefits? I got a pay raise at work. It was good, relatively speaking based on anecdotal evidence and my own personal observations. Even so, my Elephant’s raise is more than three times the raise I received. Crazy! Where I got a 3% adjustment at work, my portfolio is getting close to an 11% pay raise this year (and that’s a conservative measurement). Better yet, I can expect similar results next year. And…
  • How to beat the market

    David Bressler
    3 Jun 2015 | 4:34 am
    Look at that dark green line. That’s where you want to be – over 30% greater returns than the next best grouping of stocks. Notice the long timeline of this chart. When you have a long time horizon, and stick to your strategy, you can do really well regardless of shorter-term market dynamics (like the internet boom/bust of the late 90’s or the recession of 2008/9). The challenge about long term investing is that you can’t go back in time. Once you’ve ‘placed your bets’ you’ve got to ride them out. That’s why I like to use history as my guide. Focus From Blackrock’s…
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    iMoney.ph

  • Financial Liberties For Same-sex Couples Once They Are Allowed to Marry in the Philippines

    imoney
    2 Jul 2015 | 7:38 pm
    Photo: Benson Kua (CC By-SA 2.0) The United States’ highest court has recently released a historic ruling allowing same-sex couples to marry across all 50 states. The LGBT community and its advocates have rejoiced the decision. It is a huge leap for same-sex couples. They can now be recognized by the state as married partners. And more importantly, they can be granted and qualified for equal rights and other benefits previously reserved to different-sex couples. The same-sex spouses, much like husband and wife, is now the immediate family to one another. The partners who build and spend…
  • Our Credit Card Promo Picks For July 2015

    imoney
    30 Jun 2015 | 6:26 pm
    For all your needs, there’s a credit card promo to match. Below, we’ve rounded up the best credit card promos from the major banks. You’re sure to find a great deal that suits your lifestyle and will save you money to boot. Don’t have a credit card yet? Find the perfect one for you with just a few clicks. Citibank Credit Card Promos Photo: Laszlo Ilyes (CC BY 2.0) A year of getaways could be yours. Each time you use your Citi card at Megaworld Lifestlye Malls, earn raffle entries to be the grand prize winner of 12 vacation packages for two to destinations like Bangkok,…
  • The Cost Of College At Top Schools In The Philippines And The World

    imoney
    28 Jun 2015 | 6:17 pm
    The worldwide rankings for universities was released by the education firm Quacquarelli Symonds (QS) this June. Out of the 300 top universities in Asia, four Philippine universities made the cut: 70. University of the Philippines 114. Ateneo de Manila University 143. University of Santo Tomas 181. De La Salle University The state university slipped seven places in the rankings, while Ateneo de Manila went up one spot compared to its 2014 rank. UST and DLSU suffered slides, with UST falling two places and DLSU 30. The top four schools in the world, meanwhile, are the Massachusetts Institute of…
  • How A PBA Player Does Money

    imoney
    25 Jun 2015 | 6:55 pm
    Photo: Nuki Sabio Barako Bull Energy are doing surprisingly well in this PBA conference, making it to the playoffs and even leading the table at one point. Major newspapers called them “surprise leaders”, but Justin Chua, one of Barako Bull’s big men, is used to surpassing people’s expectations. He’s one of the few Blue Eagles who won an unprecedented five straight UAAP championships in a row. He was also part of the Blackwater Elite team that denied the NLEX Road Warriors their fifth straight Foundation Cup championship in the PBA D-League (Developmental League) back in 2013,…
  • Building Wealth: A Step-By-Step Guide

    imoney
    23 Jun 2015 | 6:16 pm
    Francisco Colayco has been helping Filipinos manage their money and build wealth since the early 2000s. “I realized people were hungry for guidance, so I thought I’d throw in my two cents,” he tells iMoney in an interview. Throughout his career, Colayco has helped OFWs and others grow their money and achieve their financial goals through Colayco Financial Education. In this interview, we spoke to Colayco about how Filipinos can build wealth from the ground up. Read on to learn the steps you need to take to get your finances in order and start growing your money, no matter what stage of…
 
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    Diễn đàn của sự thay đổi

  • Vị Trí Chung cư Five Stars Garden số 2 Kim Giang

    4 Jul 2015 | 8:05 am
    Chung cư Five Stars Garden số 2 Kim Giang Cách dự án chưa đầy 30m là khu công viên Hồ Điều Hòa Hạ Đình rộng 10Ha đang đượng triển khai thi công, hoàn thiện đi vào hoạt động trong năm 2015 Giá bán cực ưu đãi từ 22 triệu/m2 (giá bao gồm VAT)Cuộc sống xanh Chung cư số 2 kim giang tiện ích đẳng cấp 5 sao Các căn hộ tại Chung cư Five Star Kim Giang được thiết kế theo tiêu chí xanh - tối ưu không gian và ánh sáng tự nhiên, tạo cho không gian căn hộ thoáng đãng và tiện nghi nhất.
  • Vách ngăn vệ sinh COMPACT HPL và MFC

    4 Jul 2015 | 7:53 am
    Vách ngăn đang là lựa chọn hàng đầu của khách hàng trong thiết kế nội thất. Bởi những tính nằng ưu việt mà nó mang lại. Trên thị trường có nhiều loại vách ngăn với các chất liệu và mục đích sử dụng khác nhau như vách ngăn nhôm kính, vách ngăn nỉ, vách ngăn thạch cao, vách ngăn văn phòng, [COLOR=rgb(84, 84,...[/B] Vách ngăn vệ sinh COMPACT HPL và MFC
  • Cùng khám phá nội thất văn phòng nổi bật

    4 Jul 2015 | 1:54 am
    Văn phòng được thiết kế nội thất văn phòng vào năm 2014 phải phản ánh nhu cầu của người lao động hiện đại ngày nay và gọi hợp tác, tính linh hoạt, tính di động và nhiều hơn nữa. Không gian làm việc hợp tác được mở, không gian công cộng chào đón mà khuyến khích cá nhân để chia sẻ và học hỏi lẫn nhau bằng cách trộn và hòa. Khu vực chỗ ngồi Lounge là một tính năng trang trí nội thất quan trọng cho phép cộng tác. Bảng... Cùng khám phá nội thất văn phòng nổi…
  • Áo sát nách bèo 2 tầng

    4 Jul 2015 | 1:17 am
    Điểm nổi bật - Áo sát nách bèo 2 tầng với thiết kế trẻ trung, nữ tính mang lại phong cách thời trang xinh xắn, đáng yêu. - Chất liệu vải voan cao cấp, thoáng mát tạo form dáng thời trang và mang lại cảm giác dễ chịu cho người mặc. - Thiết kế 2 tầng nữ tính, điệu đà, tay áo sát nách mát mẻ, xinh xắn giúp bạn gái thêm nổi bật, duyên dáng. - Thích hợp mặc đi làm, dự tiệc tiệc hay dạo phố cùng người thân và bạn bè… Chi Tiết Áo... Áo sát nách bèo 2 tầng
  • Nội thất văn phòng nơi tập chung mọi vấn đề

    4 Jul 2015 | 12:43 am
    Quan niệm nội thất văn phòng Thiết kếcó ảnh hưởng nhất định đến tâm lý và hiệu quả công việc. Người thiết kế nội thất văn phòng phải hiểu được điều này để nhân viên văn phòng có thể khai thác hết tư duy và sáng tạo. Kiến trúc vui nhộn Thiết kế phòng họp kiểu dáng vui nhộn hiện nay được nhiều công ty đưa vào sử dụng, điển hình là Google. Một vài kiểu dáng bắt mắt như trạm điện thoại công cộng, túp lều trên bãi biển, thậm chí là cả một chiếc…
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    Personal Finance Advice

  • 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,…
  • Don’t Buy a New Car Until you Answer these Financial Questions

    Chris Bibey
    27 Feb 2015 | 6:11 am
    Has the thought of buying a new car overcome your mind? Are you ready to make a deal happen? While you don’t want to kill your excitement, it is important to first consider what you are doing from a financial point of view. Here are three financial questions to answer before signing on the dotted line: Would you be better off purchasing a used vehicle? This is a question many people struggle to answer. The primary benefit is the ability to save money when compared to a similarly equipped new car. On the flipside, you are not going to be the first owner. For this reason, it can be difficult…
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    Mad Fientist

  • 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…
  • Adventures Abroad

    The Mad Fientist
    16 Mar 2015 | 6:29 am
    One of my favorite parts of any trip is when the plane breaks through the clouds and you can see the new world you’re about to enter. The buildings are different, the landscape is different, and it’s the first time you realize you’re not in Kansas anymore. This experience is even better after a really long flight because the sleep depravation and drastic disruption of routine only adds to the surreal feeling of entering another world. We were lucky to have that experience multiple times over the last few months during our incredible Early Retirement Preview. We visited Czech…
  • 30% Higher Net Worth in Just One Year

    The Mad Fientist
    26 Jan 2015 | 4:38 am
    I’ve been looking forward to writing this article for a long time. As you know, we’ve been running a little experiment here to see how all the strategies I write about can actually impact someone’s journey to financial independence. The Guinea Pig experiment follows two people with identical incomes and identical spending on their journey to financial independence, using real-time decision-making and market returns. This is the one-year update of that experiment and due to the way taxes were computed, it is the first apples-to-apples comparison since the experiment started…
 
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    Getting Ahead, A Personal Finance News & Exchange

  • How To Get Your Home Loan Preapproved | US Equity Advantage

    1 Jul 2015 | 9:00 am
    <p><img customsizemethodproperties="{'MaxWidth':'600','MaxHeight':'','ScaleUp':false,'Quality':'High'}" method="ResizeFitToAreaArguments" style="vertical-align: middle;" title="Preapproved Home Loan" alt="mortgage prequalification" displaymode="Custom"…
  • How to Get a Student Loan for College | US Equity Advantage

    22 Jun 2015 | 9:00 am
    <p><img src="http://www.usequityadvantage.com/images/default-source/Blog/Images/how-to-get-student-loans.jpg?sfvrsn=0&amp;MaxWidth=600&amp;MaxHeight=&amp;ScaleUp=false&amp;Quality=High&amp;Method=ResizeFitToAreaArguments&amp;Signature=1D679B35F54E30F16CB2ECAD6508B9B3" method="ResizeFitToAreaArguments" customsizemethodproperties="{'MaxWidth':'600','MaxHeight':'','ScaleUp':false,'Quality':'High'}" displaymode="Custom" alt="How to Get Student Loans" title="How to Get Student Loans"…
  • How to Pay off Credit Cards and Live Debt Free | US Equity Advantage

    15 Jun 2015 | 9:25 am
    The first step in getting out from under credit card debt once and for all is making a complete assessment of your total debt from all lenders combined. So take a deep breath and gather together the... This is only a content summary. Be sure to visit usequityadvantage.com for the full story.
  • The New Face of American Auto Buyers May Surprise You

    1 Jun 2015 | 10:50 am
    <img src="http://www.usequityadvantage.com/images/default-source/Blog/Images/millennials.png?sfvrsn=2" title="Millennials" style="vertical-align: middle;" /><br /> <br /> <p>This post first appeared as a <a href=" https://www.linkedin.com/pulse/new-face-american-car-buyers-may-surprise-you-robert-steenbergh?trk=prof-post">LinkedIn Published Post</a>&nbsp;on May 1, 2015:&nbsp;<br /> Millennials &ndash; those born between 1981 and 1997 &ndash; are poised to become the nation&rsquo;s largest…
  • What every First Time Home Buyer needs to know about a New Home Loan

    27 May 2015 | 7:35 am
    <iframe src="https://www.slideshare.net/slideshow/embed_code/key/csgf6daKXqQ6lx" width="600" height="500.23419203747073" frameborder="0" marginwidth="0" marginheight="0" scrolling="no" style="border: 1px solid #cccccc; margin-bottom: 5px; max-width: 100%;"> </iframe><br /> Congratulations, buying your first home is an exciting time. Prepare yourself for the loan process and your first mortgage!
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    Rockstar Finance

  • ★ If You Wouldn’t Buy It, You Should Probably Sell It

    Team
    3 Jul 2015 | 3:02 am
    “Don’t let the boat anchor of your past mistakes drag on you forever into your future.” ——– Photo Credit: Frank Vervial
  • ★ How to Be Rich Like Me

    Team
    3 Jul 2015 | 3:01 am
    “Many times, readers or people asking for website design quotes have told me, ‘Oh, but I’m not rich like you.’ To which I look around my normal house (outside the city, where it’s cheaper) that I rent and my VW Golf that’s a few years old and think, ‘Wait a minute, I’m not rich like me either!’”
  • ★ The Birthday Party Gift Solution

    Team
    3 Jul 2015 | 3:00 am
    “We would have loved to say ‘no presents necessary’ to the invite of the party, but I don’t think that strategy works very well. … So, stealing an idea from one of our son’s friends party, we went with an alternative idea. Rather than asking for a present, we asked all guests to bring 2 items instead: 1) A non-perishable food item, and 2) A $1 bill.”
  • ★ The Importance of Tracking Your Net Worth

    Team
    2 Jul 2015 | 3:02 am
    “The reality of our money is that it’s always either increasing or decreasing, and we often make incorrect assumptions. Someone living with little income and low expenses but living paycheck-to-paycheck could think that they’re getting poorer, but they might forget that they’re steadily contributing to a 401K at work, causing their net worth to increase over time. However, a person who brings in $200,000 a year with an ever-growing credit card balance and owning pricey, gas guzzling cars might be steadily losing their net wealth over the long-term.”
  • ★ What I Learned From Running 1,000 Days in a Row

    Team
    2 Jul 2015 | 3:01 am
    “Every day I succeed is another reason that I can’t quit. Success makes me take it seriously. I could probably stop running today, but for what? Because I just “don’t feel like going?” That’s not a good enough reason. I went out there 1,000 days in a row. You think I’m going to quit now? It can’t happen.”
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    Doctor Of Credit

  • $15 Off $50 on Amazon with Amex Membership Rewards Points [YMMV]

    Chuck Sithe
    2 Jul 2015 | 2:04 pm
    The Offer Use Shop With Points on Amazon with Amex Membership Rewards points to pay for your Amazon purchase and receive a $15 discount when making a purchase of $50. Use promo code: SWP07AXP15. This offer is working for many. The code won’t work for the purchase of an Amazon gift card, but it should work for any third-party gift card sold on Amazon.   You need to pay just 1¢ with your Membership Rewards Points and the rest of the charge will automatically go on your Amex card, I believe. You need to enroll the Amex card to pay with points in order to use this offer. The Fine Print…
  • $10 Off $10 on Amazon with Discover Card [First Time Points-Users, YMMV]

    Chuck Sithe
    2 Jul 2015 | 10:42 am
    The Offer Direct Link Spend at least 1¢ using Discover Pay-With-Points on Amazon and receive a $10 discount off your purchase. Use promo code: SWP07DFS10. This offer is showing up as a banner for many. It only works for first-time Discover Pay-With-Points users. The code won’t work for the purchase of an Amazon gift card, but it should work for any third-party gift card sold on Amazon. The code will only work on items sold by Amazon themselves, not by third parties. You pay 1¢ with your Discover Points and the rest of the charge will automatically go on your Discover card, I believe.
  • Alaska Airlines Shutdowns (Transfers, No AF & Multiple Applications) – What You Need To Know

    William Charles
    2 Jul 2015 | 5:26 am
    Recently a number of readers have informed me of account shut downs with Alaska Airlines (AS), I thought it was time to have a look at what is causing these shut downs and what you can do to prevent them. There are three main issues: Flexible point transfers to Alaska Airlines Multiple applications for Bank of America credit cards Cancelling before paying the annual fee Transfers To Alaska Airlines You can transfer SPG and Diners Club points to Alaska Airlines. It seems that Alaska Airlines is currently trying to crack down on point re-sellers who are transferring these flexible points into…
  • Missing Points on BBVA NBA Credit Card, Transaction Date Vs. Post Date

    Chuck Sithe
    1 Jul 2015 | 3:21 pm
    Post Date or Transaction Date? We  reported on June 18th that it was the last day for racking up 5x rewards on the BBVA NBA credit card. A reader commented there that they were told by a BBVA rep that purchases would not trigger the bonus rewards unless they post to the account by the 18th. Transactions made on the 18th won’t work. I expressed my skepticism (based on what we’ve written before) and thought that in-store purchases would be dependent on the swipe date. It turns out that the BBVA system is not automatically crediting us with points for transactions which didn’t…
  • The Diminishing High-Interest Savings Accounts

    Chuck Sithe
    1 Jul 2015 | 12:10 pm
    We’ve written about a number of high-interest savings accounts, see An Introduction To Rewards Checking Accounts. Two of the easier options were the Mango Prepaid card and the Union Plus Prepaid card. FreequentFlyer broke the news a few weeks back the Mango card is no longer available for signup, although the account is still working for existing customers. This left us with the Union Plus option, which FreequentFlyer wisely advised us to jump on while we can. The foreshadowing turned out to be accurate as the Union Plus is now no longer available for signup either. What’s Left?
 
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    moneypantry.com

  • 25 Legit Money-Making Websites with A+ Rating from the BBB

    Satrap
    2 Jul 2015 | 2:19 pm
    If you’ve ever taken a look around SurveySatrap (my other website focused on reviewing paid survey sites) before, you’ll know that I take the BBB rating seriously when it comes to money-making sites. After all, you are trading your time in return for payment, so it’s not a good idea to use a fraudulent service.... Read More The post 25 Legit Money-Making Websites with A+ Rating from the BBB appeared first on MoneyPantry.com.
  • How to Make $1000 per Month Cleaning Houses

    Satrap
    1 Jul 2015 | 4:48 pm
    One of the first rules of making money is that it is rarely something that can happen suddenly; even some of the methods discussed on Moneypantry are things that require some time and effort to be put in to make sustainable income off of them. Business ventures, especially, tend to take some ‘incubation time’ to... Read More The post How to Make $1000 per Month Cleaning Houses appeared first on MoneyPantry.com.
  • 10 Ways to Get Fast Cash for Used Games, Books, CDs, DVDs & BlueRay

    Satrap
    28 Jun 2015 | 1:28 pm
    Unless you’re a millennial who has only ever purchased things in a digital format, then you probably have some CDs, DVDs, games, or even books sitting around. And if you do, the chances are that you’re never going to actually use them again! It’s easy to hold onto these kinds of things. After all, you... Read More The post 10 Ways to Get Fast Cash for Used Games, Books, CDs, DVDs & BlueRay appeared first on MoneyPantry.com.
  • 10 Fun Ways You Can Earn Money at the Beach

    Satrap
    17 Jun 2015 | 10:04 am
    Summer is here and that means thousands of us are going to head to the beach. The beach seems like the least likely place to get work done or make some money – but there are actually some surprising ways that you can earn money while spending time outside and enjoying yourself. Have a look... Read More The post 10 Fun Ways You Can Earn Money at the Beach appeared first on MoneyPantry.com.
  • How to Win Money Online: 6 Tricks For Easy Cash!

    Chris
    11 Jun 2015 | 7:51 pm
    Making money is a universal interest for most people. Even a casual browser of MoneyPantry knows that I, too, share that passion! I also like free money, which is why I have talked about, and listed 40 companies that give you practically free money, before. But today, I’m not going to talk about making money... Read More The post How to Win Money Online: 6 Tricks For Easy Cash! appeared first on MoneyPantry.com.
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    CompareHero Malaysia

  • 7 Money-Saving Tips for Post-Ramadan Travel

    CompareHero
    2 Jul 2015 | 7:44 pm
    The end of Ramadan is a time of celebration for Muslims around the world. After weeks of fasting, you may opt to mark Eid al-Fitr by going out of town to either relax or visit your relatives. To make the most out of this special occasion, you can begin planning for your holiday as early as right now. So what are the best ways for you to start saving travel money in just a few weeks’ time? Start a travel fund Skipping several weeks’ worth of fast food and Starbucks means saving a fair amount of pocket money. This is the perfect time to put that extra cash to good use! Any spare change that…
  • INFOGRAPHIC: The Ultimate Guide to Hotel Star Ratings

    CompareHero
    30 Jun 2015 | 10:07 pm
    Ever wondered what the difference is between a 4 star hotel and a 5 star hotel and what amenities you can expect from a 1 star hotel? Find out what to look for the next time you book a hotel with this ultimate guide to hotel star ratings! You can even find out what the top hotels in Malaysia are if you want to experience what it's like to stay at a hotel that has the best amenities and services. Seeing Stars: The Ultimate Guide to Hotel Star Ratings Hotels are ranked from one to five stars and it’s a quick way to tell the types of amenities and services that hotels have. Learn more about…
  • 3 Easy Ways to Save for Your Child’s College Education

    CompareHero.my
    23 Jun 2015 | 10:08 pm
    Are you ready to pay for your child’s college tuition? It’s OK to say “No, I don’t think I can,” because you are not the only parent worrying about how to afford tuition. The cost to enroll in college takes a big chunk out of any household’s finances. And due to inflation, the cost can get higher in the future. As parents, we want our kids to have a bright future ahead, and having a college degree can be a good way for the kids to have this. There’s more than one way to finance a college education. There’s scholarships that your child may be eligible for and government aid.
  • Save vs. Splurge: Father’s Day Gift Ideas

    CompareHero
    18 Jun 2015 | 5:00 pm
    Father’s Day is coming up soon and for some of us, this means it’s time to look for a present for Dad. You might want to give him something other than generic gifts like neckties or cufflinks. At the same time, you don’t want to get carried away with an extravagant gift your Dad is never going to use once. This Father’s Day, why not give your Dad a gift he’s guaranteed to appreciate? Try turning to your Dad’s favorite pastimes and hobbies for inspiration. You can also gift him with a much-needed upgrade on one of his everyday necessities. To kick things off, here are a handful of…
  • 5 Ways to Finance an Expensive Hobby

    CompareHero
    16 Jun 2015 | 5:00 pm
    Life can get boring pretty fast without those little things that fire up your passion. A lot of us have our own hobbies that we’re passionate about or give us hours of entertainment and a feeling of accomplishment. Hobbies can be as simple as origami folding or collecting vinyl records. Those hobbies don’t necessarily cost a lot, but then again there are people who have more expensive tastes when it comes to hobbies, just like U.S. TV host Jay Leno who is known for his collection of classic cars. So what do you do when your hobby becomes expensive? You treat it like something you…
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    Financial Market Vigilante

  • Margin Debt Reaches New All-Time High – Bullish or Bearish?

    7 Jun 2015 | 7:45 am
    Money used to margin stocks on the NYSE grew to $507B in April 2015.  (see NYSEData.comFactbook: Securities margin debt)  Looked at in isolation, you might interpret the continued inflow of leverage to buy market assets as a bullish indicator.  Investors are confident in the future, therefore why not take cheap money and buy assets that seemingly just continue to rise.The temptation to rationalize that margin activity is a positive indicator for stocks is a function of how highly correlated the level of margin debt and the major stock indexes (SPY) (DIA) have been over the past…
  • Treasury Rates Up, Stocks Up - Will the Pattern Continue?

    23 May 2015 | 10:49 am
    Since the U.S. Federal Reserve ceased its quantitative easing program at the end of October 2014, the stock market has been decidedly more volatile, while also in my view, trading in a pattern that is counter intuitive to many investors.  During the QE phase, stocks reacted to the increased market liquidity by catapulting higher, while rates across the board fell.  As rates went down, stocks and asset values in general went up.  The expected inverse relationship of asset values to interest rates held.  The major stock index correlation to the increasing size of the Fed…
  • Is “Secular Stagnation” causing poor U.S. economic performance?

    30 Apr 2015 | 11:40 am
    The news headlines announced 1Q GDP growth of 0.2% on April 29, 2015.Anemic would be a compliment.Why isn’t the U.S. economic engine roaring ahead?There is a large tailwind of lower energy prices.The major market stock market indices recently reached new all-time highs (SPY) (DIA) (QQQ).Apple (AAPL) and Amazon (AMZN) stocks continue to grind to higher and higher plateaus.Why is the mainstream economy so “disconnected” from the stock market?And why is the cost of money on government debt so low in the U.S. (0 to .25% on short-term Treasuries) and even negative in the Eurozone. Larry…
  • Oil Likely to Signal Next Major Market Correction, Eventually

    15 Apr 2015 | 5:23 am
    The trading pattern of the major U.S. stock indices (DIA) (SPY) (QQQ) during since the beginning of 2015 is best described as sideways and volatile.A review of the equity market indices shows the 50 day moving average of DOW and the S&P500 barely maintained a positive slope in the first quarter, while the trading range showed a loss YTD of almost 5% in early February only to recover to a positive 2% by early March, a range of 7%.  The tech heavy NASDAQ was a better performer in the first quarter, providing relative gains of 2% for the 1stquarter, and currently up 3% for the…
  • Zero Interest Rates - A Restrictive Monetary Policy for the Masses

    10 Apr 2015 | 10:36 am
    When the zero-bound rate policy was implemented by the Federal Reserve after the 2008 financial crisis, it was readily accepted by investors that the policy was being implemented on the pretense of making monetary policy “easy”.  Six and ½ years into the policy, it is becoming increasingly clear that the interest rate policy is best described as “low”, but the term “accommodating” is not a proper way to described the actual policy which has been implemented.Ben Bernanke has started a blog which I believe is an ingenious way for a former Fed Chairman to engender public discussion…
 
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    Money International

  • Grim Greeks Face Bleak Eurozone Future

    Kevin Barnett
    4 Jul 2015 | 3:10 am
    Greek Prime Minister Alexis Tsipras has pledged pensions and salaries will be paid despite bank cash machines starting to run out of cash. Displaying a siege mentality, he made a defiant speech to the nation that was aimed more at Eurozone finance ministers and the International Monetary Fund. He wants to renegotiate Greece’s debt repayments for the bail out of billions of euros and the country is heading to a referendum on whether to impose spending cuts demanded by the foreigners holding the country’s purse strings. Tsipras would likely want to save face by meeting with those…
  • Four Tax Traps When Setting Up An Offshore Company

    David Vaughan
    4 Jul 2015 | 3:08 am
    Setting up an offshore company to save tax in the UK is not always an effective solution and can sometimes cost more to run than any tax that is saved. The idea is that if an offshore company generates income from UK assets, the tax paid overseas will be at a lesser rate than that in the UK. However, the UK government is becoming increasing tough on cracking down on suspected tax savings made this way and incorporating offshore can spring some tax traps for the unwary, Running costs Setting up an offshore company can cost several thousands of pounds and many offshore centres demand the…
  • Pensioners Pay Enough Tax To Buy New Car Each Year

    Vicky Dixon
    18 Jun 2015 | 1:12 am
    Pensioners are not really that financially bad off, according to research by a financial firm. The tax paid by a retired household is enough to buy Britain’s cheapest car – the £6,500 Kia Pinto – with £500 left over towards the running costs. Following recent freedoms unlocking billions of pounds of pension cash, understanding how their money is taxed is becoming a top priority for many pensioners. The claims come from Prudential, one of Britain’s largest financial firms, and are based on analysis of Office of National Statistics data from the 2012-2013 year. The firm reveals the…
  • Bitcoin frauds just keep on coming

    Rob Dawson
    16 Jun 2015 | 12:20 am
    The promoters of virtual currency Bitcoin are working hard to establish a foothold for the brand but are continually knocked back by scammers. While Bitcoin promoters claim the electronic money is held in secure online vaults, hardly a week seems to go by without consumers reporting fraudsters stealing their cash. The latest alleged scam is BitcoinCloudServices.com. Bitcoin news aggregator CryptocoinsNews has slapped a ban on advertising by the Bitcoin Cloud Services after complaints from consumers. Bitcoin Cloud Services is accused of running a Ponzi scheme for investors, which means current…
  • Forex Fraud Is A New Trick For Scammers

    Martin Hughes
    15 Jun 2015 | 12:39 am
    claiming they are police officers in need of help. Crooks have switched from banks to forex bureaux because victims coming in for one-off exchanges of large amounts of cash do not stand out as much as they do in banks. The National Fraud Intelligence Bureau (NFIB) warns that the typical fraud involves someone calling out of the blue and posing as a police officer. The caller then goes on to ask for help investigating an offence. The bogus police officer volunteers a telephone number and asks the victim to call back to verify their identity. No questions asked The victim ends the call, but the…
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    Your Smart Money Moves | Personal Finance Blog

  • 10 Quick Ideas To Lower Your Commuter Costs

    Ted Jenkin @ Your Smart Money Moves
    30 Jun 2015 | 11:32 am
    With gas prices back on the climb again, now may be a good time to revisit ways to increase your bottom line by cutting your overall commuter costs. According to Citi’s ThankYou Premier Commuter Index released recently, workers spend about 200 hours annually at a cost of nearly $2,600 on their daily commute.   That breaks down to an average amount of $10 a day.   We often think in Atlanta we have the worst traffic in the country, but New Yorkers still rule with an average commute of 73 minutes. Here are 10 ideas to lower your commuter costs: Go Electric During The Weekdays- With state…
  • How To Save A Down Payment For Your 1st Home

    Ted Jenkin @ Your Smart Money Moves
    28 Jun 2015 | 6:24 am
    You just finished watching the latest installment of House Hunters on HGTV and begin to think to yourself, why not me?   Purchasing your first home is not only the “American Dream”, for many young Americans it signifies a real transition into financial adulthood and responsibility, by taking on potentially the largest debt you will ever carry in your entire life.  Unfortunately, many new homebuyers don’t save or strategize effectively when they buy their first home and sometimes make an impulse purchase that costs them dearly in their family finances.  Here are my six tips on how to…
  • Five Business Lessons From Donald Trump

    Ted Jenkin @ Your Smart Money Moves
    25 Jun 2015 | 6:57 am
    Which person in the White House will Donald Trump fire first if he is elected President of The United States?    A few weeks ago, I was able to watch a piece of Donald Trump’s coming out party announcing his candidacy for President.  Whether you like Donald Trump or you don’t like Donald Trump, you have to admire his uncanny ability to be savvy about using all outlets possible to build the riches of his empire.  Trump golf course.  Trump hotels. Trump water.   It never ends.   Here are five business lessons that all business owners can learn from Donald Trump. Use The Media To…
  • How Much Should I Give For A Bat Mitzvah Gift?

    Ted Jenkin @ Your Smart Money Moves
    23 Jun 2015 | 9:37 am
    Most of you are probably familiar with the term “Bar Mitzvah”, but you might get invited sometime soon to a “Bat Mitzvah”.  In the Jewish religion, generally when a girl turns the age of 12 (for Orthodox and Conservative) and 13 (for Reform) there is a celebration where the girl becomes recognized as an adult (woman).  When I turned the age of 13, I had my own Bar Mitzvah, where my friends, family, and distant relatives I saw once upon a family reunion showed up to hear me belt out a poorly sung haftorah.  The Bat (the word meaning daughter) Mitzvah celebration you will attend can…
  • You Can Fix It Yourself

    Ted Jenkin @ Your Smart Money Moves
    20 Jun 2015 | 8:43 pm
    It’s Saturday and I’m loathing the idea of doing the few fix it up projects at home that need to be taken care of sooner than later. Like most families, things that you don’t want to do you’ll generally outsource. That is until you realize that many of the blue collar workers who come in to fix your toilets, change a lock on a door, or even patch up a wall might be charging more than you make on an hourly basis. So, one of the trends I’m seeing amongst white collar high dollar earners is a movement of back to figuring out how to fix things themselves. Why not? According to…
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    Bankrate.com » Rates

  • Mortgage rates in Los Angeles, California

    Mitch Strohm
    2 Jul 2015 | 4:20 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 Los Angeles.
  • Mortgage rates in Dallas, Texas

    Mitch Strohm
    2 Jul 2015 | 4:15 am
    See this week's average rates for the 30-year fixed-rate mortgage, 15-year fixed-rate mortgage, 5/1 ARM and 30-year jumbo mortgage in metro Dallas.
  • Mortgage rates in Philadelphia, Pennsylvania

    Mitch Strohm
    2 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 Philadelphia.
  • Mortgage rates in Chicago, Illinois

    Mitch Strohm
    2 Jul 2015 | 4:05 am
    See this week's average rates for the 30-year fixed-rate mortgage, 15-year fixed-rate mortgage, 5/1 ARM and 30-year jumbo mortgage in metro Chicago.
  • Mortgage rates in Atlanta, Georgia

    Clare Mallen
    2 Jul 2015 | 4:00 am
    See this week's mortgage rates in Atlanta for the 30-year fixed, 15-year fixed, 5/1 ARM and jumbo home loans.
 
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    The Travel Sisters

  • Chase Freedom 2015 Third Quarter 5% Bonus Categories

    Patti
    1 Jul 2015 | 2:41 pm
    Today is the first day of a new quarter and a new set of 5% bonus categories for the Chase Freedom card (one of my favorite credit cards). This quarter (July 1, 2015- September 30, 2015), the Chase Freedom 5% categories are gas stations and Kohl’s. The 5% only applies to the first $1,500 spent on combined purchases each quarter. This means if you spend $1,500 on a combination of gas stations and Kohl’s this quarter you will receive a total of 7,500 points (1,500 plus a bonus of 6,000 points). If you have a Chase Sapphire Preferred card or an Ink Plus you can transfer points from…
  • Hilton HHonors Category Adjustments Effective July 8, 2015

    Patti
    28 Jun 2015 | 11:42 am
    Hilton HHonors posted some minor category adjustments which will become effective July 8, 2015. The category changes are minor since they affect only 20 properties – 2 are decreasing and 18 are increasing. Another reason why these category changes are not a big deal is that there is a lot of variance in the number of points required for an award night in each category. Below is Hilton’s award chart for free hotel awards: Even though the changes are minor, I think it is worth checking out the list to see if it includes any Hilton properties you are planning on booking with…
  • Great MS Opportunity: Earn Free Money and Points at Staples This Week

    Patti
    21 Jun 2015 | 7:17 am
    Now that free MS using Redbird is no longer an option, taking advantage of rebates on Staples gift cards is my favorite way to manufacture spend.  Staples is offering a rebate on Visa gift card purchases this week and it could not have come at a better time for me as I need to meet my minimum spend on a few new credit cards. If you buy $300 or more of Visa gift cards at Staples stores this week you will receive a $20 Visa prepaid gift card after easy rebate.  $20 is more than the fees you would incur for purchasing $300 of gift cards so you would be earning some extra profit. The rebate…
  • Is United Having Issues with Missing Bags Lately?

    Matilda
    18 Jun 2015 | 1:03 pm
    United seems to be in the midst of a lost luggage epidemic.  A few passengers with missing luggage is bad enough but it seems a larger number than usual have been affected recently. Earlier this week, my brother-in-law flew United from EWR-TXL for a business trip.  He made it but his checked bag did not.  This was obviously an inconvenience and he was eager for a reunion with said bag.  It took a few days to actually locate the luggage but once located, United assured him it would be delivered the following day.  Fast forward three days and he is still waiting for the bag.  After…
  • Win a Free Trip to Stay at the Hyatt Centric Chicago

    The Travel Sisters
    11 Jun 2015 | 1:56 pm
    Hyatt Centric The Loop Chicago has launched its “Stay Centric” facebook sweepstakes.  The grand prize is a VIP travel package, including a two-night stay at Hyatt Centric The Loop Chicago and a $500 gift card for travel arrangements.  Here are the details: One winner will win a VIP travel package, including: – A free two-night stay at Hyatt Centric The Loop Chicago (single room, quad occupancy) – A $500 gift card to use toward travel arrangements – A $100 gift certificate to Cochon Volant, the hotel restaurant Entry to the sweepstakes is through facebook only.  To…
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    Advantage CCS » Blog

  • 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.
  • How to Really Mess up Your Financial Future

    Lauralynn Mangis
    17 Jun 2015 | 11:48 am
    Everyone knows the general tips for saving money, getting out of debt, and living frugally but do you know the warning signs or big mistakes that could cause major financial... The post How to Really Mess up Your Financial Future appeared first on Advantage CCS.
  • 10 Things to Give Up in Order to Save Money

    Lauralynn Mangis
    11 Jun 2015 | 8:38 am
    No matter what your income level is, learning how to budget and save a little money each month is a valuable skill. If you’re dealing with a change in income,... The post 10 Things to Give Up in Order to Save Money appeared first on Advantage CCS.
  • Save Money on Father’s Day Gifts

    Lauralynn Mangis
    4 Jun 2015 | 1:16 pm
    Father’s Day is just around the corner (June 21st), but it’s not too late to come up with a meaningful gift. Even with a tight budget, there are ways to... The post Save Money on Father’s Day Gifts appeared first on Advantage CCS.
  • Everything You Want To Know About A Debt Management Program

    Lauralynn Mangis
    28 May 2015 | 11:55 am
    We are continuing our goal to become an Agency that is fully transparent and exceptionally informative within our industry. We want to be a thought-leader and the go-to agency for... The post Everything You Want To Know About A Debt Management Program appeared first on Advantage CCS.
 
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    GeorgetteMillerLaw.com

  • 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…
  • 5 Reasons You Will Fail To Get Out Of Debt

    Georgette Miller
    8 Jun 2015 | 7:00 am
    Struggling with finances is frustrating, especially if you keep failing at every attempt to relieve debt. The truth is, the most common reason that people fail to get ahead is their own fault. It is easier to gain control over finances and get out of debt for good by not only realizing the reasons for failure, but also making the necessary changes. Outside Influences There is a natural desire to have the newest and latest items, even if it requires spending more money than you have. The temptation of credit cards and loans providing an opportunity to borrow significant … Read the rest…
  • How long does it take to file for bankruptcy?

    Georgette Miller
    1 Jun 2015 | 1:32 pm
    The process of filing bankruptcy is complicated and sometimes lengthy depending on the extent of debts. Sometimes issues may arise to lengthen the process even further, but they can typically be avoided with the right help. It is important to understand the process to put a stop to the harassing phone calls and get much needed relief. How long does it take to file for Chapter 7 Bankruptcy An average estimate of the time it takes to finalize this form of bankruptcy is between 90 and 110 days. It moves fairly quickly if the individual is prepared to file with … Read the rest The post How…
  • Can Hospitals Garnish My Wages For Unpaid Medical Bills?

    Georgette Miller
    1 Jun 2015 | 11:19 am
    High medical bills are a major burden on families and individuals struggling to make payments. The cost of health care remains higher than many Americans can afford, and out-of-pocket fees are also on the rise. An unexpected trip to the emergency room can result in thousands of dollars not covered by insurance. It is not always possible to make payments on time, if at all, which is why it is important to understand the consequences you may be faced with. If you have any experience with unpaid medical bills, you know that collection agencies are going to send letters and … Read the rest…
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    Sanjay Matai, The Wealth Architects

  • New Numbering Pattern in the Rs.100 Banknotes

    Sanjay Matai
    3 Jul 2015 | 1:13 am
    Reserve Bank of India (RBI) has issued a new Rs.100 banknote, in the Mahatma Gandhi Series - 2005, with an additional security feature.This new attribute would be added to the banknotes of other denominations too, in a phased manner.What is different in these new banknotes is shown in the picture below.As you will observe, the difference is in the Numbering Pattern.In the new numbering pattern,-  the first three alphanumeric characters (i.e. prefix) will be of a constant size-  the serial number after the prefix, would be printed in ascending size from left to rightThis would be…
  • Katrina Kaif and Personal Finance (Audio Blog)

    Sanjay Matai
    1 Jul 2015 | 10:20 pm
    Given below is the summarized audio version of my article 7 personal finance lessons to learn from Katrina Kaif.As these lessons in personal finance are of great importance and relevance, I guess it is time to do a quick recap of the same.So listen to the same and make an unlikely success story out of your life too.
  • Demand discount on medical bills under health insurance

    Sanjay Matai
    1 Jul 2015 | 1:27 am
    As you are aware, Health Insurers or their Third party Administrators (TPAs) tie-up with many hospitals (i.e. Network Providers), where you can avail of cashless treatment under your health insurance plan.While associating with any hospital, insurance companies and TPAs must ensure that the policyholders receive the best and yet cost effective treatment. This could even include discounts and rebates on treatments.In this regard, it has been observed that insurers and TPAs may be obtaining discounts from the hospitals during settlement of the claims of the policyholders. Moreover, this…
  • Credit or Debit Card, which one to use when? (Audio Blog)

    Sanjay Matai
    29 Jun 2015 | 10:04 pm
    Given below is the audio version of my blog When to use a Debit Card and when a Credit Card...This confusion is quite common and a wrong choice can prove quite expensive.So listen how to make a PERFECT choice, every time you pull out your card to make the payment.
  • Pre-2005 banknotes: 6 more months on life support system

    Sanjay Matai
    28 Jun 2015 | 10:22 pm
    In early 2014, RBI had announced the complete withdrawal of the old series of notes, issued prior to 2005, from the circulationSince the new banknotes, in the Mahatma Gandhi series, were in circulation for more a decade and have better security features, it was decided to withdraw the old design notes.This is also in line with the international practice of not having multiple series of currency notes in circulation.Initially, in Feb 2014, RBI had set the last date for withdrawal as Mar 31, 2014.Then, in Mar 2014, the last date was extended to Dec 31, 2014.Subsequently, in…
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    The Skint Dad Blog

  • How to Stop Spending Money You Don’t Have

    Skint Dad
    24 Jun 2015 | 1:44 am
    Spending money can be so easy but if you can’t afford to keep doing it, what steps can you take to stop spending money that you don’t have? It is so easy to spend money. A few quid here and there, a trip to the corner shop to pick up some milk, walking past a... [Read More] The post How to Stop Spending Money You Don’t Have appeared first on The Skint Dad Blog.
  • The Knock-On Effect of Being in Debt

    Skint Dad
    21 Jun 2015 | 10:42 am
    Being in debt effects more than just being able to get credit. Managing your money badly can negatively impact on loads of things in your everyday life too. Being in debt effects more than just being able to get a credit card or apply for a mortgage. Debt also makes you have a lack of... [Read More] The post The Knock-On Effect of Being in Debt appeared first on The Skint Dad Blog.
  • The Mad Blog Awards 2015 – Some Exciting News!

    Skint Dad
    14 Jun 2015 | 6:00 am
    Skint Dad has made it to the final of the MAD Blog Awards 2015 for the second year in a row. Vote for Skint Dad to win the Best Thrifty Blog. When I started my blog back in August 2013 I could never imagine the journey it would lead us on. From becoming Savoo’s Smartest... [Read More] The post The Mad Blog Awards 2015 – Some Exciting News! appeared first on The Skint Dad Blog.
  • Faulty Item? 6 Ways to Protect Your Consumer Rights

    Skint Dad
    13 Jun 2015 | 10:37 am
    This is a guest post from Helen Dewdney, The Complaining Cow, who is a consumer rights campaigner, blogger and Amazon best selling author. She believes passionately in everyone asserting their legal rights and fighting companies who try and pull a fast one. Here she shares six ways you can ensure you aren’t fobbed off when you have... [Read More] The post Faulty Item? 6 Ways to Protect Your Consumer Rights appeared first on The Skint Dad Blog.
  • Make Easy Money with Your Old Paper Tax Disc

    Skint Dad
    5 Jun 2015 | 4:43 am
    We may not need them but a recent survey from Clearway Car Finance has found out more than half of cars in the UK are still displaying a tax disc. On 1 October 2014 the paper tax disc was abolished as the DVLA moved car tax records and payments online saving a whopping £10 million... [Read More] The post Make Easy Money with Your Old Paper Tax Disc appeared first on The Skint Dad Blog.
 
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    ReadyForZero Blog

  • Calculating a Car Payment, Why Smaller Isn’t Always Better

    John Schmoll
    2 Jul 2015 | 8:00 am
    It’s summertime, which means one thing – it’s car buying season. Manufacturers ramp up sales and, soon, next year’s models will be hitting the showroom floors. Buying a car is one of the most major purchases many make, aside from buying a house. That being the case, most car buyers need to take out loans to drive home with new cars. When we’re sitting at home calculating a car payment, it’s important to understand that smaller isn’t always better. We’re trained to think that such a monthly obligation should be as low as possible. Recent reports, however, indicate…
  • Why You Should Travel Solo This Summer

    Felicity Nie
    1 Jul 2015 | 8:00 am
    It’s summertime, and we’re all in vacation mode looking for travel deals, last minute getaways, or just amazing places that make for jealous worthy Instagram posts. We all want to escape those workplace doldrums, but, sometimes, planning a summer vacation with someone seems like more stress than it’s worth. That trip to the beach would be a great idea, but coordinating with your friends to take a four-day weekend, renting a car to get everyone to the beach, and even just booking an overpriced hotel that everyone can agree on seems like so much work. A long email chain and weeks later,…
  • Why Lending Money to Friends is a Horrible Idea

    Kayla
    30 Jun 2015 | 3:00 pm
    Standing on the sidelines watching a friend struggle is never easy. We’re told to lend a hand to those in need and feel especially compelled when it’s someone we feel strongly connected to. Most of the time, being a friend constitutes offering time and support, but what about when the type of help your friend needs is financial, not emotional? Before you hand over cash in order to fill that need, you may want to think twice. Not only could you end up placing yourself in a similar financial bind, but your relationship could suffer greatly as a result. Here are just a few reasons why…
  • 7 Finance Terms That Should be in Every Millennials’ Vocabulary

    Pearl Park
    30 Jun 2015 | 11:20 am
    Finance generally isn’t a fun topic for most of us. It can be boring, scary, and frustrating. In Fidelity’s recent study, 39% of millennials worry about finances and 25% don’t know who to trust. How do you know if you can afford to go to that music festival with your friends? Or how do you know where to best allocate your money? These are all common questions that millennials have. We look up to our parents for guidance and advice and fail to really learn the ropes on our own. Here are 7 finance terms that every millennial should know and why: 1. FICO- Your FICO score is…
  • How to Find a Reputable Secured Credit Card to Rebuild Credit

    Kevin Yu
    29 Jun 2015 | 12:00 pm
    We get it. We all make mistakes in the past and now we’re in a frantic rush to rebuild our credit scores. The days of having thousands of dollars in credit limit is over and now it seems impossible to even get approved for a credit card. Luckily there are credit cards designed specifically to help people rebuild their credit scores. You won’t have the luxury of earning reward points, but this should be the last thing on your mind. If you’re thinking of applying for a secured credit card, it’s important to understand how to use this to your full advantage. What is a…
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    Kali Hawlk

  • 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…
  • Make the Most of Your Money: Are Conferences Worth It?

    Kali Hawlk
    22 Apr 2015 | 5:00 am
    Last week, I flew out to Las Vegas for New Media Expo. NMX is a huge conference for content creators of all kinds: bloggers, podcasters, web video and series producers, and more. Events and conferences like NMX promise a lot to attendees — and they should, when you consider the costs of going to a conference. You pay not only for a conference pass, but you also need to pay for transportation to get there and accommodations once you arrive. You’ll probably want to eat at some point, too, and meals out for 3 to 7 days becomes a big expense. Of course, there’s not a standard…
  • 5 Blogging Mistakes I Made (and You Can Avoid)

    Kali Hawlk
    8 Apr 2015 | 4:00 am
    Want to start earning side income? Almost any gig you take on can benefit from an established online presence. When people want to find or know something, they fire up Google — and with time, best practices, and a little know-how, a Google search can lead straight to you. (That’s why Googling financial writer for millennials is so fun for me, by the way.) You can hang your digital shingle with a static website that covers the basics: about you, what you do, who you do it for, etc. But you can earn yourself a gold star if you take it one step further and start a blog. A blog is a…
  • Do I Have to Pay Taxes If I Earn Money on the Side?

    Kali Hawlk
    1 Apr 2015 | 6:15 am
    YES. The end. No, just kidding. (It is April Fool’s Day, after all.) I promise there’s a whole informative post waiting here for you — and a more in-depth answer to the question, “do I have to pay taxes?” Before we dive into this basic tax overview, I want you to get two important concepts straight right away: side income still counts as income, and even if you don’t make enough to owe taxes, technically the IRS still wants to know about it. While you may not actually need to pay taxes, you should be prepared to report your income. Here’s the second…
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    Understanding and Improving Your Credit

  • How to Start a Commercial Carpet Cleaning Business

    Melanie Mathis
    1 Jul 2015 | 9:44 am
    Commercial cleaning is one of the easiest as well as lucrative businesses that an entrepreneur can start. This type of business however requires the same type of dedication and persistence that any other type of business will require. Commercial carpet…Read more →
  • Checklist For Starting Your Own Business

    NEWHORIZON.ORG
    8 Jun 2015 | 8:10 am
    If you are going to start your own business, there are a few things you should be clear about.   1. Identify a viable product or service 2. Prepare a detailed Business Plan that answers the following questions: The Business…Read more →
  • Dangerous Mistakes You Are Making With Your Credit Card

    NEWHORIZON.ORG
    1 Jun 2015 | 8:22 am
    Credit cards are very helpful if you use them well, but they can go terribly wrong, if you make some of the mistakes you will be warned against in this article. If you have bad credit, you should know there…Read more →
  • Credit and Money Management Tips for Young Consumers

    Melanie Mathis
    18 Mar 2015 | 7:32 am
    Below are great tips and suggestions you can use to effectively manage your existing lines of credit, as well as your personal finances. Make your credit payments your top priority. Did you know that the easiest way to build and…Read more →
  • Suffering From A Lack of Credit History?

    Melanie Mathis
    18 Mar 2015 | 7:15 am
    Let’s consider today several tips that will help you build your credit reputation, as soon as possible. Apply for a line of credit, right away. Bear in mind that you cannot establish your credit profile UNLESS you’re willing to take…Read more →
 
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    BadCreditResources.com | Your Source For Bad Credit Financing

  • How To Save Money On Subprime (Bad Credit) Car Loan

    Shelly Evans
    23 Jun 2015 | 12:53 pm
    How to Save Money on Bad Credit Car Loans Just because you have a low credit score does not mean that you cannot get a car loan at an affordable rate. A Subprime car loan or a bad credit car loan is meant for car buyers with a poor credit history and a low credit score. Subprime […] The post How To Save Money On Subprime (Bad Credit) Car Loan appeared first on BadCreditResources.com | Your Source For Bad Credit Financing.
  • Credit Privacy Numbers (CPN) CAN NOT Erase Bad Credit!

    Shelly Evans
    9 Jun 2015 | 2:47 pm
    People with bad credit are often quite vulnerable and targeted by scammers looking to make a quick buck at their expense. One of the new tricks doing the rounds is the credit privacy number (a.k.a credit profile number) or CPN. Basically, someone approaches you, promising to wipe out your negative credit history by giving you […] The post Credit Privacy Numbers (CPN) CAN NOT Erase Bad Credit! appeared first on BadCreditResources.com | Your Source For Bad Credit Financing.
  • Easy Steps You Can Implement Today To Improve Your Credit Score

    Shelly Evans
    30 May 2015 | 8:34 pm
    Most people realize that a good credit score is crucial for financial success, but not everyone understands what it actually is. A credit score is a three digit number calculated from your credit report and helps lenders determine your approval and interest rate for mortgages, loans, or credit cards. A FICO credit score, the kind […] The post Easy Steps You Can Implement Today To Improve Your Credit Score appeared first on BadCreditResources.com | Your Source For Bad Credit Financing.
  • Steps To Keep You From Being Foreclosed On

    Shelly Evans
    10 May 2015 | 6:16 am
    Failing to keep up with your monthly mortgage can put you in a very dangerous possibility – foreclosure. If you find yourself in this uncalled for situation, don’t lose hope. There are still some steps you can do to straighten things out. The post Steps To Keep You From Being Foreclosed On appeared first on BadCreditResources.com | Your Source For Bad Credit Financing.
  • The Benefits of Bad Credit Payday Loans

    Shelly Evans
    19 Apr 2015 | 10:29 am
    During financial emergencies, getting quick cash from lenders can be tough. Most lending companies require good to excellent credit history from their clients. In addition, the processing of your loan application can take weeks or even months to complete. The post The Benefits of Bad Credit Payday Loans appeared first on BadCreditResources.com | Your Source For Bad Credit Financing.
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    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.
  • Make extra money: Rent your parking space

    Pauline
    25 Jan 2015 | 6:00 am
    In the UK I have an underground parking space two blocks away from the town center, next to several office buildings. It is the perfect place to put it for rent. I have never owned a car while living there, only a small scooter for the space has been rented for about 4 years. The […]The post Make extra money: Rent your parking space appeared first on Make Money Your Way.
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    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.
  • How I Celebrated Mother’s Day

    Pauline
    10 May 2015 | 11:15 pm
    When we think of the month of MAY, the month of mothers automatically comes to mind. Our mothers are really important to us because they’re the one who gave us life and guided us all the way. I chatted with some of my friends from college and we agreed to have a pre-mother’s day celebration […] The post How I Celebrated Mother’s Day appeared first on Reach Financial Independence.
  • Best side hustle gigs you can start right now

    Pauline
    3 May 2015 | 11:18 pm
    Often when you think about starting a side hustle, one of the things that put you off is you don’t want to spend money to make money. Printing business cards, buying things to resell, renting even a desk at a shared office represent some upfront costs for which you don’t want to risk you hard […] The post Best side hustle gigs you can start right now appeared first on Reach Financial Independence.
 
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    Financial Freedom Inspiration

  • How to get out of debt

    Usiere
    1 Jul 2015 | 5:32 am
    I discussed types of debt and how to avoid bad debt in my previous series of articles. Today, I will look at how to get out of debt. The reality is that many are deep in debt, and when the noose seems to tighten more, they incur more debt to provide temporary relief. Getting out The post How to get out of debt 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!
  • Investing in FGN bonds Simplified

    Usiere
    29 Jun 2015 | 2:16 am
    I am still getting requests for more information on investing in FGN bonds, so I am going to simplify it further. FGN bonds are debt instruments issued through the debt management office to raise funds for the Federal Government and have tenors of 5 years, 10 years and 20 years. During the tenor, you will The post Investing in FGN bonds Simplified 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…
  • Retirement and the Finances You’re Forgetting About

    Guest Writer
    28 Jun 2015 | 2:43 am
    By Brooke Chaplan An enjoyable retirement is the result of careful planning and countless years of saving. Failure to plan for everything could mean your funds run dry, you don’t have enough for the necessities, or that you have to go back to work when you’re well into your golden years. The main problem with The post Retirement and the Finances You’re Forgetting About appeared first... 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…
  • How to invest in FGN bonds

    Usiere
    25 Jun 2015 | 6:35 am
    How to invest in bonds is one of the common questions I receive from readers. This information is available online on many finance related sites or blogs, including the website of the Debt Management Office (DMO) which authorizes the issuance of the FGN bonds. I want to continue to encourage those serious about their finances The post How to invest in FGN bonds 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 hear…
  • Good expenditure, bad expenditure

    Usiere
    17 Jun 2015 | 2:29 am
    Money, also known as currency does not remain in one place for long. It is always on the move. Even when you save, your bank puts it into use. I remember one hilarious story I read on the Internet many years ago about a dollar note and a hundred dollar note striking a conversation as The post Good expenditure, bad expenditure 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

  • Tax Efficient Investing – How To Keep More Of Your Money

    Jon Dulin
    29 Jun 2015 | 5:12 am
    Most of us know that we need to invest our money in the stock market to grow our money. Even when interest rates weren’t close to zero like they are now, the stock market was a good place to be. In fact, over time, the stock market is a useful tool in building wealth, so long as you stay the course and invest for the long-term. But there is more you can do than just invest your money to grow it, you can use tax efficient investing to keep more of your money too. By being smart about your investing strategy and keeping tax efficiency in mind, you can keep more of your money from Uncle Sam. I…
  • How To Choose A Family Car – Without Breaking The Bank

    Jon Dulin
    26 Jun 2015 | 4:07 am
    If our personal circumstances are changing – maybe baby’s on the way or baby’s getting another brother or sister – the way we get around needs a rethink too. It’s sometimes baffling, tiresome and just one big bother. It makes sense to systematise your family car purchase from thinking about it, to purchase, to reduce that burden when it comes down to the crunch. Tips For Choosing A Family Car Deciding What You Need vs What You Want Do you want to slash a whole heap of possibilities from your list? Get your red pen out and set a budget. With baby (or baby number two or three) on the…
  • Be A Steady Saver

    Jon Dulin
    24 Jun 2015 | 4:00 am
    Many people have good intentions when it comes to saving, and may be able to stick to a strict budget for a month or two. However, it often proves difficult to be a steady saver over a long period of time – even though this is the best way of achieving your saving goals. With this in mind, here are a few tips on how to become a steady saver over the long-term. Tips For Being A Steady Saver Budgeting Why do most people fail at budgeting? There are 2 main reasons: Their outlook Being overly aggressive The first issue, your outlook, is why so many people fail and in many cases, don’t even…
  • How The 99% Can Make It

    Jon Dulin
    22 Jun 2015 | 4:45 am
    There is a lot of talk in the news about income inequality. The rich are getting richer while everyone else is struggling to survive. I pointed this out in my post about how 80 people control half the world’s wealth. The post below isn’t meant to take a shot at the rich, but rather take insight from how they live so that we, the 99% can improve our situations. So what can we learn from them to better not only our financial lives but our overall life as well? Here are some practical steps for how the 99% can make it. Key Steps For How The 99% Can Make It Strive To Succeed All too often…
  • Using Scholarships To Avoid Student Loan Debt

    Jon Dulin
    19 Jun 2015 | 5:10 am
    Planning for college can be difficult. You need to select a school that will suit your goals, and be accepted into it. Then comes a harder part – paying for your schooling. The rising costs of higher education have made affording college extremely difficult for students and parent. That being said, if you use time wisely to research scholarships, you’ll be able to attend the college of your dreams without falling into a nightmare of student loan debt. Below are 6 tips for using scholarships to avoid student loan debt. 6 Tips For Using Scholarships To Avoid Student Loan Debt Use…
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    Blog.DontPayFull.com

  • 10 Frugal Tips for a Perfect Summer Barbecue

    Oana Schneider
    3 Jul 2015 | 4:30 am
    Summer is the perfect time for grilling burger patties, chicken thighs, steaks and other hunger-inducing meat dishes. Part of the experience is family members spending time on the grill to come up with perfectly grilled meat, and combining it with other home cooked dishes for a fun outdoor barbecue. But if you are always playing host to such events for friends or family members, you would not want to spend too much money on the task. How can you hold the perfect summer barbecue without spending too much? It’s all about knowing which aspects of grilling you should invest in, and which ones…
  • Frugal Friday Tips: How Can I Be So Clueless About Money?

    Oana Schneider
    3 Jul 2015 | 1:39 am
    In case you missed this week’s best reads on frugal living, we made a list of 10 interesting posts you should catch up on. We would like to encourage everyone to read as many money-saving articles as possible, especially these days when renowned economists predict a new financial crisis. 1. How Can I Be So Clueless About Money – Phroogal In case you were wondering how come you rarely think about the amount of money you spend, Phroogal might have an explanation. Apparently, not keeping track of our spending is nothing more than a lack of practice. Also, you’re not the only one who feels…
  • Independence Day On a Budget: 10 Simple Rules

    Oana Schneider
    2 Jul 2015 | 7:28 am
    You’ve probably been watching the National Parade on TV ever since you can remember, and for some reason that seems like a very boring thing to do on such a great day. And you’re right Independence Day should be more about how you relate to your country and less about the splendor and magnificence you see on TV. I love Independence Day coupons and deals but then again, who doesn’t! Call me old-fashioned, but I have my ways to celebrate this beautiful day without chipping at any of my guests’ enthusiasm. I am not saying that my way is the best way, but it’s the way we do things…
  • 15 Affordable Summer Camps for Kids

    Oana Schneider
    1 Jul 2015 | 8:19 am
    A kid’s childhood experience will never be complete without memories of attending summer camp. Unfortunately, the costs associated with kids going to summer camp – especially for programs which last for a good number of weeks – are continually on the rise. Are there ways for parents to send their kids to summer camp without busting their budget? Definitely! Find out which camps in the US are considered to be the most affordable, and which types of summer camps are available for kids. A Brief Glimpse at the Different Types of Summer Camps Available for Kids First, let’s have a general…
  • Independence Day 2015 Coupons And Deals

    Oana Schneider
    1 Jul 2015 | 7:50 am
    The Independence Day is celebrated on Saturday, July 4th and represents one of the biggest sales and promotion days of the year. You can pretty much get a great discount on anything, from kids’ toys to big screen TVs, clothing and gadgets. If you have some money put aside just for this summer, these Independence Day 2015 coupons and deals are what you should be checking out: 1. American Eagle – Extra 50% Off AEO Clearance merchandise2. Walmart – Up To 80% Off Electronics Clearance Amazing Deals On Patio & Garden Rollbacks– Amazing Deals On Patio & Garden…
 
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    MyBankTracker

  • MyBankTracker Gets a Makeover, With New Tools for Smarter Banking

    Claire Tak
    2 Jul 2015 | 2:00 am
    If you haven’t noticed already, MyBankTracker has been completely redesigned! Our new and improved site features financials tools, calculators and tips so you can make smarter decisions when it comes to saving money, opening a checking account, CD, IRA, and more. Here’s a look at the important new features that you should take advantage of. Take our savings quiz to get matched with an account Saving money is important, but how do you know what type of account you should use for your cash? While savings accounts may look the same on the surface, they’re not, especially when…
  • When It’s Better to Wait, Before Rolling Your 401(k) Over

    Rebecca Lake
    1 Jul 2015 | 6:00 am
    Changing jobs in your 20s is to be expected, but it can put your retirement strategy in danger if you’re not careful. If you’ve been saving money in your 401(k), rolling it over into your new employer’s retirement plan or parking it in an IRA sounds good, but it’s not always the right move. In fact, there are a handful of situations when you’re better off letting your 401(k) funds stay put.  Image via Flickr What happens to your 401(k) when you don’t roll it over Generally, when you make a career move your employer will hold on to your 401(k) and…
  • Are Banks Open the Friday Before Fourth of July?

    Simon Zhen
    1 Jul 2015 | 3:00 am
    This year, Independence Day lands on a Saturday, so most Americans will be enjoying a day off on Friday — making for a nice little 3-day weekend. However, because the holiday comes during the weekend, but it’s observed on a weekday, many people may be wondering whether or not banks are closed Friday and/or Saturday. We called the biggest U.S. banks to find out their Fourth of July holiday schedule. In 2015, Independence Day lands on a Saturday, but it is observed on Friday by many businesses. What about banks? Photo: Flickr |…
  • How to Invest Your Money, Like the Super Rich

    Frank Addessi
    30 Jun 2015 | 3:00 am
    Millionaires and their upscale cousins, the Super Rich, aren’t very different than the rest of us. They don’t have access to secret knowledge that got them rich or keeps them rolling in dough. The fact, anyone can invest like the super rich, whether you’re just starting out or have been in the game for a while. Take a look at the basic investment strategies the rich are using, and how these methods have laid the foundation for a solid financial life.  Shutterstock The world’s population of millionaires grew by nearly one million in 2014. That brings the worldwide total of…
  • The Struggle Is Real: How to Overcome Money Problems In Your 20s

    Rebecca Lake
    29 Jun 2015 | 3:00 am
    I have yet to hear someone say they don’t miss being in their 20s. You can make mistakes and still have time to make up for them, but if you’re not careful, it can haunt you beyond your 20s. Here’s a look at what 20-somethings often struggle with. Flickr |…
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    NerdWallet Credit Card Blog » Cities

  • 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…
  • Philadelphia vs. Pittsburgh: Which City Is Better?

    Kamran Rosen
    29 Jun 2015 | 5:00 am
    Flyers vs. Penguins. Cheesesteaks vs. pierogies. When it comes to Pennsylvania’s two largest cities, there’s no shortage of comparisons in the Philadelphia vs. Pittsburgh debate. In a state largely dominated by rural communities, Philadelphia and Pittsburgh both stand out as cultural and historic centers that are locally celebrated. But beyond that, they’re widely different. Philadelphia, with 1.6 million residents, is five times more populous and sits in an area that’s more than twice the size of Pittsburgh. Located on opposite sides of Pennsylvania, the contrasts in the cities…
  • Top Cities for Veterans in 2015

    Courtney Miller
    29 Jun 2015 | 5:00 am
    Once military service ends, veterans begin their transition to civilian life. It can be a challenge to find a new place to live and work, and an area that includes support services and health care options for veterans. NerdWallet crunched the numbers, including data to highlight economic opportunity, to find the nation’s top 10 cities for veterans. Key takeaways Vets don’t stray far from military communities. All of the places on our list have at least one military base within the city limits or close by — which indicates many veterans don’t move far from their former base. Top cities…
  • Gay Marriage Could Boost Wedding Industry by $2.5 Billion

    Sreekar Jasthi
    26 Jun 2015 | 1:09 pm
    In a landmark decision Friday, the Supreme Court ruled that same-sex marriage is a constitutional right in all 50 states. The 5-4 decision was celebrated by many nationwide, including President Barack Obama, who tweeted that it was a “big step in our march toward equality.” The newly expanded marriage rights provide a tremendous economic opportunity for the $51 billion wedding industry, which currently employs over 800,000 people nationwide. Excluding increases in federal tax revenue or transfer payments, gay marriage in all 50 states has the potential to add $2.5 billion annually to the…
  • Best Cities for Foodies

    Sreekar Jasthi
    22 Jun 2015 | 5:00 am
    Americans have always been really into their food, but in recent years, many have gotten more particular about their palate. Hence, the foodie. These discerning diners are more likely to go for 100% grass-fed beef than a McDonald’s burger, and they’ll choose locally owned and locally sourced eateries over chain restaurants. The desires and dining dollars of these epicures have helped take the culinary scene up a notch in many cities. And that means more great food for everyone, especially for those in San Francisco and Portland, which top NerdWallet’s list of the Best Cities for…
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    Quit Your Day Job 101 » Quit Your Day Job 101

  • 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…
  • Dividend growth is the key to my freedom : quote from Lowell Miller

    Allan
    18 Jun 2015 | 2:57 pm
    What makes rising income that comes from a growing dividend so attractive in a yield stock? You not only receive greater income as the years go by, you also get a rising stock price—because the instrument Producing the income (the stock) is worth more as the income it produces increases. In effect, you get a “double dip” when you invest in high-yield stocks that have rising dividends. You get the income that increases to meet or surpass inflation, and you get the effect of that rising income on the stock price, which is to force the stock price higher. – Lowell Miller (The…
  • Rich woman quote : Suze Orman

    Allan
    14 Jun 2015 | 5:47 am
    I thought that diversifying a bit could be interesting. After all, there are tons of rich women too! “What you choose to do with your money shows whether you are truly powerful or powerless.” –Suze Orman Money is a tool, not an end. I was talking with a friend yesterday who was asking me how it was possible to save as much as I do. He said that I must do something illegal of some sort as he can’t manage to save 1000$ in a year while he makes 110,000$ per year…  The guy makes more than me. Yet, he always end his years with more debts or owing money to the tax man. I told him…
  • Rich man quote : Charlie Munger

    Allan
    6 Jun 2015 | 4:39 pm
    “Like Warren, I had a considerable passion to get rich, not because I wanted Ferrari’s – I wanted the independence. I desperately wanted it. – Charlie Munger” Charlie is the guy behind the scene. We don’t hear from him as much as we can hear from Warren Buffett. Yet the guy is crazy intelligent. He’s in fact the one who influenced Warren from buying “cigar butts holding one last puff” or companies at a bargain to buying extraordinary companies at a fair price. That’s a better and easier way to get rich. As long as you’re able to…
 
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    Glomaker

  • Can You Really Trust Your Bank?

    admin
    8 Jun 2015 | 2:40 am
    We regularly read about bank reform in the wake of the recession, but 57% of people do not believe these reforms are enough, and it’s amazing to think that 43% of people with savings no longer put them in the bank because of trust issues. In the US and the UK trust in banks has dropped 46% and 30% respectively, while trust in banks in China and India has risen by 12%. Banking scandal after banking scandal really hasn’t helped to resolve these trust issues. This infographic from eazycash.ca, outlines a three-pronged approach that will help the banks regain customers trust. Source:…
  • Unusual Taxes We’ve Had Throughout History

    admin
    17 May 2015 | 9:46 am
    We all have a view on taxes and I’m guessing they’re mostly unfavourable. The saying ‘the rich get richer and the poor get poorer’ definitely seems to ring true, especially in these hard economic times. Here in the UK, we’re into a second stint of a Conservative government and just days after the election, there’s already talk of new wave of austerity measures. Taxes aren’t new – in fact King John introduced a tax on wool exportation as far back as 1203, – and throughout the ages we’ve had some pretty unusual taxes to say the least.
  • For Richer or Poorer – You Decide

    Sue Plunkett
    17 May 2015 | 9:10 am
    It’s our basic human instinct to want what we haven’t got, and not want what we have – and it’s no different with relationships. We’ve all had those periods of singledom, living the fancy-free lifestyle, walking round the house in our pants, and doing what we want, when we want. Unfortunately, our human brains seldom cope with this state of continuous euphoria and trick us into thinking the grass is greener, and that we’d be better off in a stable grown-up relationship. Fast forward 6 months and we’ll be back yearning for those great times we used to…
  • Passive Investment Funds: Why It’s Worth Backing Them

    Rob Davies
    18 Feb 2015 | 6:33 am
    The arguments around passive funds, also known as trackers, index or evidence based funds is getting gradually louder and louder. While there are a lot of advocates for active management, and not just in the fund management industry itself, it supports substantial activity in the media, conference sector and other areas as well. The evidence of increasing flows into passive funds is proof positive that more and more investors choose to go for the simple low cost strategy of getting exposure across the market rather than a selected sub-set of stocks which are traded on a regular basis. Passive…
  • Big Names Who’ve Gone Bust

    admin
    20 Oct 2014 | 11:11 am
    Getting into debt is something we might all be worried about as wages don’t stretch as far as they used to – but it isn’t just us mere mortals with money issues. Many big names worth millions have racked up debts they cannot pay, so have been made bankrupt. Below is our top 10 big names that have gone bust, ranging from Hollywood actors to household names who have all got into dangerous water by delving too deep into debt. The post Big Names Who’ve Gone Bust appeared first on Glomaker.
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    Credit Card Insider » InsiderCredit Card Insider

  • Best Rewards Credit Cards – Summer 2015

    Brendan Harkness
    2 Jul 2015 | 8:24 am
    Rewards credit cards can be a great way to earn some cash back and access special services while taking care of the shopping you already do. When used responsibly, credit cards should only be a convenience, and never a cost. If your credit cards are costing you money, you’re using them wrong! Rewards cards come […] The post Best Rewards Credit Cards – Summer 2015 appeared first on Credit Card Insider.
  • Q&A Video – What Are The Factors That Affect My Credit Score?

    John Ulzheimer
    2 Jul 2015 | 7:43 am
    If you don’t know about the individual components that go into creating your credit score, this video will be a great place to start. Your FICO credit score is made up of 5 factors drawn from your credit reports: Payment History, Amounts Owed, Length of Credit History, New Credit, and Types of Credit in Use. […] The post Q&A Video – What Are The Factors That Affect My Credit Score? appeared first on Credit Card Insider.
  • Here’s Why “Thin Credit” Consumers Might Now Have a FICO Score

    Kimberly Rotter
    1 Jul 2015 | 9:18 am
    The term “thin” credit report refers to a consumer credit history that has insufficient data to assign a score. It doesn’t take much to get a FICO score: At least one credit account must be reported to a credit reporting agency At least one account (it can be the same one) must have been open […] The post Here’s Why “Thin Credit” Consumers Might Now Have a FICO Score appeared first on Credit Card Insider.
  • Q&A Video – Is It Better To Settle A Collection Account Or Pay It In Full?

    John Ulzheimer
    1 Jul 2015 | 8:25 am
    Having unpaid collection accounts can be a tricky financial situation. What’s the right move when you’re being hounded by a collection agency? Should you settle the debt or pay it in full? Unpaid collection accounts will also appear on your credit report, damaging your credit score. What’s the best way out of this situation? Learn what […] The post Q&A Video – Is It Better To Settle A Collection Account Or Pay It In Full? appeared first on Credit Card Insider.
  • Q&A Video – What’s The Difference Between Credit Reports and Credit Scores?

    John Ulzheimer
    29 Jun 2015 | 7:55 am
    Credit reporting is a bit complicated, and, despite some rumours to the contrary, credit reports and credit scores are two different things. Your credit reports are made up of the information that’s been reported about you by lenders you’ve had relationships with. The credit score, then, is like a numeric summary of your credit report, […] The post Q&A Video – What’s The Difference Between Credit Reports and Credit Scores? appeared first on Credit Card Insider.
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    goday.ca

  • Payday Loan Proposals Among Those Put Before Ontario Government

    GoDay.ca Blog Team
    3 Jul 2015 | 11:39 am
      On June 15, 2015, Ontario’s Ministry of Government and Consumer Services issued a consultation paper, offering discussion of possible new approaches to help improve protection for alternative financial services consumers. Why is this happening? The government and major financial players are recognizing that more Canadians are requiring a variety… Continue reading
  • Why Did My Payday Loan Application Get Denied?

    GoDay.ca Blog Team
    26 Jun 2015 | 11:43 am
    Each payday loan company in Ontario and British Columbia has different underwriting rules that determine whether or not a customer will be approved or denied. However, there are generally common denomenators for why your application might be denied. Since online payday loans and retail front payday loans have different lending… Continue reading
  • Can I Pay Back My Payday Loan Early?

    GoDay.ca Blog Team
    19 Jun 2015 | 6:00 am
    If you want to pay back your payday loan early, you’re first going to need to know your lender’s policy on early repayment. We can’t speak about the specifics within other Canadian companies, but the general rule is that there is no penalty for repaying your payday loan before your… Continue reading
  • The 7 Stages of Credit Card Debt

    GoDay.ca Blog Team
    12 Jun 2015 | 12:50 pm
    You’ve undoubtedly heard of the famous “7 stages of grief”, which helps those who’ve been through an ordeal or a loss identify where they are in recovery. Interestingly, these 7 stages can also be applied to debt management and the emotions and thoughts one might have while under it’s pressures.… Continue reading
  • Debt Collection 101

    GoDay.ca Blog Team
    5 Jun 2015 | 6:00 am
    You’ve probably heard half a dozen horror stories regarding debt collection. Demanding calls at almost all hours of the day, being contacted at work, or learning that your  references are being called constantly is a common occurrence in the collections world. While this might not make those of you who are… Continue reading
 
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    MoneyMiniBlog

  • The Ultimate Quick-Guide to Breaking Bad Habits in 4 Steps

    Kalen Bruce
    2 Jul 2015 | 3:00 am
    A habit isn’t bad or good on its own. Positive habits are an absolute must for success in your health, finances…basically everything. But negative habits, or bad habits​, can combat your positive habits. In fact, eliminating negative habits can be much more effective than starting new positive habits and often, it’s easier to break a bad habit than it is to stick with a new good habit. The truth is, you need good habits in your life, but let’s break the bad ones first… What is a Bad Habit? This is a pretty basic question, but it’s worth asking. How do you…
  • 24 Stupidest Things the U.S. Government Spends Money On

    Kalen Bruce
    29 Jun 2015 | 3:00 am
    Americans waste a lot of money, but are we just following in our government’s footsteps? Either way, we definitely shouldn’t be looking to them for advice. They waste money. A lot of money. Since we don’t directly control how our government spends money, why not make fun of it? We laugh to keep from crying, right? This is meant to be fun…and, most of all, funny. Some of these “stupidest ways the government spends money” may not seem very “stupid”, but more crazy or just surprising. Either way, I feel like the majority of them fit best into the…
  • Should You Be Renting or Owning?

    Contributor
    27 Jun 2015 | 3:00 am
    Housing is one of the biggest expenses in anyone’s budget. Whether you have a mortgage or rent, there is a good chance that at least 30 percent of your income is going to housing each month. Because housing is such a big expenditure each month, those interested in buying a home or renting should really consider their finances and motives for wanting to do either. Renting Renting is often associated with those who have limited finances such as college students or young professionals. However, even those with large incomes choose to rent properties. The perks of renting depend of your…
  • 20 Productivity Apps to Keep You Organized [Infographic]

    Kalen Bruce
    25 Jun 2015 | 3:00 am
    When it comes to business-based apps for your phone or computer, productivity apps rule the roost. In fact, there are so many out there that it can be unproductive to spend hours trying to find the best one(s). But don’t you worry! Here are 20 of the top productivity apps in one quick graphic… Personally, I only use a few apps. I’ve used hundreds in the past, but I’ve finally got it down to a handful of apps that work for me. And that’s what it’s all about – what works for you. You may prefer a different app for everything or you may prefer one app…
  • Attention Financial App Users: Advice for Keeping Your Phone Safe

    Contributor
    24 Jun 2015 | 3:00 am
    If you’re like me, you complete just about every task with the help of your smartphone. From checking your email accounts to downloading apps to help you maintain your budget, your whole life is on your phone. While modern technology is certainly a convenience, we really do have to be careful about the potential threats that are out there. Identity theft is serious business and, according to the Federal Trade Commission, identity theft was at the top of the list for consumer complaints this year. For that reason, it is important for us to take extra precautions to protect our personal…
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    Everything Finance

  • Keeping Your House Cool on a Budget This Summer

    Ashley Eneriz
    2 Jul 2015 | 2:30 am
    Keeping Your House Cool on a Budget This Summer is a post originally published on: Everything Finance - Everything Finance - Its all about Money! Living in the desert means that life is quite miserable after June 1st. It’s not possible to even consider the living without air conditioning. However, dealing with two to three months of electricity bills over $400 isn’t ideal, either. Here are some easy ways to stay cool on a budget this summer. Invest in a Window Air Conditioner An energy-saving individual air conditioning unit can be utilized to save money. A good one costs less…
  • 5 Home Improvement Projects with Good ROI

    Megan Harris
    1 Jul 2015 | 2:30 am
    5 Home Improvement Projects with Good ROI is a post originally published on: Everything Finance - Everything Finance - Its all about Money! It’s a common fact that your home is an investment. In particular, the work you put into it often means you have some return on investment, or ROI, later on when you go to sell it. However, there’s often disagreement as to what this means in terms of the projects you should devote your time to versus which are better to avoid. We’re here to help guide you to the best home improvement projects with good ROI so you don’t end up sinking…
  • Save Money With These Summer BBQ Tips

    Erika Torres
    30 Jun 2015 | 2:30 am
    Save Money With These Summer BBQ Tips is a post originally published on: Everything Finance - Everything Finance - Its all about Money! Fourth of July barbeques are supposed to be relaxing, fun, and a great opportunity to enjoy what the best of summer has to offer. However, planning any party where you’re the host is often not as stress-free or budget-friendly as you’d like it to be. There’s often too much pressure on the host to essentially sponsor the entire party—but just because you’re hosting doesn’t mean you shouldn’t be allowed to enjoy the party, too! While you may still…
  • Easy Home Repairs to Save You Big Bucks

    Robin McDaniel
    29 Jun 2015 | 2:30 am
    Easy Home Repairs to Save You Big Bucks is a post originally published on: Everything Finance - Everything Finance - Its all about Money! If you own your own home, then you probably already know how costly repairs can become, even if the project was supposed to be small to begin with. Home repair budgets and upgrades can get out of hand when you can’t foresee all of your home’s problems. As a homeowner, you’ve probably also realized that you can’t be lazy about too much around your house, because you don’t have a landlord to call on when something goes wrong.
  • 5 Healthy Summer Recipes on a Budget

    Ashley Eneriz
    25 Jun 2015 | 2:30 am
    5 Healthy Summer Recipes on a Budget is a post originally published on: Everything Finance - Everything Finance - Its all about Money! Summertime is a wonderful time for enjoying fresh produce and easy meals. Get your grills started and add these five dishes to your menu for budget friendly and healthy meals. If you don’t have access to a grill, you can find several crockpot recipes that are easy to prepare that won’t heat up the house. 1. Tomato and Cucumber Salad Tomatoes and cucumbers are very affordable in the summer. Both are also easy to grow if you have the space for a garden,…
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    Finance Girl

  • 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…
  • Legally keep more of your freelance earnings

    Julie
    18 Jun 2015 | 4:25 am
    Photo credit: flickr.com When you’ve worked hard day in and day out, it can be frustrating to see your earnings diminished by the time they reach you. But what if it didn’t have to be that way? Great accountants will tell contractors and freelancers that the most tax efficient solution is to set up your own limited company. Unfortunately though, limited company accounting is much more complex than you might initially think. This means that many freelancers, contractors and single person limited companies keeping their own accounts struggle to keep 70% of their turnover. There is an easier…
  • Is Homeownership Important?

    Julie
    16 Jun 2015 | 1:19 am
    With a growing trend towards renting, you would be forgiven for thinking that the public consensus has shifted somewhat away from an importance being put on homeownership. While there are undoubtedly a whole host of reasons why renting is indeed a solid and viable option for many people, four in ten of the whopping 3.9 million renters in Britain don’t feel like their house is truly their home. It would seem perhaps then that for some, choosing to rent a property is often done more out of necessity and practicality than anything else, and so with that in mind, just why is it that for so many…
  • How P2P lending can diversify your portfolio

    Julie
    9 Jun 2015 | 7:09 am
    Diversification can be implemented in many forms, be it across platforms, products, asset classes, risk grades or geographies. Within these, an investor can diversify even further. For example, if stocks are your asset class of choice, you might spread your portfolio to cover companies of different sizes, industries or location. By doing this, you are reducing non-systematic risk, particularly if there is a low correlation between each asset class, and a diversified portfolio as a whole typically carries a significantly greater return/risk ratio than the least risky of its constituents. Of…
  • The Benefits of Being a Freelance Writer

    Julie
    3 Jun 2015 | 8:40 am
    Photo credit: Flickr.com Being a freelance writer is understandably many people’s dream job, and while the stereotype of lazing around at home all day isn’t exactly true (not if you want to be successful anyway) many of the supposed benefits are to be believed, as well as a few you may not even realise. Work-Life balance Striking the right work-life balance is a major stumbling block for many people. Working freelance however often means being self-employed, and as with any other self-controlled career, this means you can choose the hours you work so you can fit your professional…
 
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    Innovative Advisory Group

  • Inflation Monitor – June 2015

    Kirk Chisholm
    26 Jun 2015 | 8:15 am
    Inflation Monitor – June 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 - June 2015 - Introduction It is officially summer and most markets are becoming more quiet. This is of course excluding the ongoing crisis in Greece. They must love the attention because they have been dragging out this "crisis" since 2011. Everyone involved in this mess (on both sides) has a reason to kick the can down…
  • What You Don’t Know About Renting vs Buying a Home Can Cost You Money

    Kirk Chisholm
    22 Jun 2015 | 7:29 am
    What You Don’t Know About Renting vs Buying a Home Can Cost You Money   "If you rent a home, it is an expense. When you buy a home, it is an expense. If you buy a home and rent it out to a third party, it becomes an investment. A better way to put it is that when you are renting, you rent from a landlord. When you buy a home to live in, you are renting from yourself." This is the third and last post of this series. The first post, Should You Rent or Buy a Home?, examined what factors you should consider when renting vs buying a home. The second post, What is the True Cost of…
  • What is the True Cost of Owning a Home?

    Kirk Chisholm
    10 Jun 2015 | 7:04 am
    What is the True Cost of Owning a Home?     In the prior post of this series, Should You Rent or Buy a Home?, I wrote about the pros and cons of home ownership vs renting. It is important to start here when you are considering whether to rent or buy a home. The decision of where to live should not be solely made on emotional attachment or financial considerations. It should be made up of both if you are planning on living in a home for many years. You want to love where you live. This week’s post will be focused more on the financial considerations of renting vs buying a home.
  • Inflation Monitor – May 2015

    Kirk Chisholm
    1 Jun 2015 | 7:30 am
    Inflation Monitor – May 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 - May 2015 - Introduction   This month we were a bit slow getting this out due to some website upgrades. We expect that this June version of the Inflation Monitor will be out in 2 weeks so you will get a double dose of information. May was a month of mixed results. Some data is showing some signs of life with inflation, but…
  • Should You Rent or Buy a Home?

    Kirk Chisholm
    27 May 2015 | 7:30 am
    Should You Rent or Buy a Home? "But there has been also the American dream, that dream of a land in which life should be better and richer and fuller for every man, with opportunity for each according to ability or achievement. It is a difficult dream for the European upper classes to interpret adequately, and too many of us ourselves have grown weary and mistrustful of it. It is not a dream of motor cars and high wages merely, but a dream of social order in which each man and each woman shall be able to attain to the fullest stature of which they are innately capable, and be recognized by…
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    One Smart Dollar

  • 7 Tips to Keep Your Books in Order

    Sean Bryant
    30 Jun 2015 | 7:06 am
    When you own a small business, it can be tempting to leave the back office operations for another time. You may get down to bookkeeping basics when it is time to reconcile your accounts at the end of the month, but if you are waiting to keep your finances straight don’t be surprised if they zig instead of zag. Rather than risk issues with your investors and financiers — or worse, the taxman — protect your small business by keeping your books in order. Here are some easy ways to take care of business. Personal and Business Should Always be Separate The worst mistake you can make as a…
  • Experience the Big Apple on a Budget

    Sean Bryant
    29 Jun 2015 | 8:09 am
    According to the official website of New York City, the city saw 54.3 million visitors in 2013, with an expected overall economic impact of $58.7 billion. Lonely Planet shows midrange New York City hotels running upward of $300 a night and dinner for two ranging around $130, depending on the restaurant. Despite New York’s reputation for expensive amenities and attractions, there are ways to see the city on the cheap without compromising on fun. Here are a few attractions to consider: Take a Free Tour New York offers hundreds of tours ranging from blockbuster movie themes to the…
  • Timing is Everything: When to make your Move

    Sean Bryant
    26 Jun 2015 | 7:15 am
    Whether you’re moving a few neighborhoods away or across the entire country, relocating is never a minor decision. Figure out the best timing with a few tips: Consider All Elements You have so many things to think about when moving that it’s easy to get bogged down with the minutiae. You might become so fixated on which of your housing options has higher quality granite countertops or the convenience of the laundry’s room layout, just to look up and realize you haven’t taken the surrounding neighborhoods into account. Yes, the small things matter. But there are more ancillary…
  • 5 Innovative Money Making Tips

    Sean Bryant
    23 Jun 2015 | 5:16 am
    In recent years there has been a notable rise in young people falling into debt. With increasing living costs and astronomical renting prices, it’s of little surprise so many young people in the UK find themselves struggling with debt at one point or another. In fact 600,000 people aged 18-25 contacted debt charity, StepChange in 2014. Luckily flexible finance is on the rise, with more and more professional lenders offering installment loans focused on customer choice and responsible lending. This means that young people can have access to cash they really need and pay it back in sensible,…
  • What You Need To Know About Automated Trading

    Sean Bryant
    22 Jun 2015 | 10:34 am
    Tired of losing money online? Or is it that you just want to increase your profit margin in your online trading account. These are some of the driving factors towards the growth of automated trading over the last few years. Other traders basically prefer automated trading because they do not have the time to keep track of the rigorous and harshly punishing market, while others simply lack the expertise to do things on their own. I am not talking about a mutual fund here, or the 401-K. I am talking about a type of trading that involves minimum interaction to with the trader, while a…
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    Investment Tips for Beginners

  • How to Invest Money to Make Money Online?

    Wise Investor
    30 Jun 2015 | 1:34 pm
    A reader asked, how to invest money to make money online? This reader know how to ask the right question. Many people or other newbie internet marketers are discovering new ideas on how to earn cash on the internet. Earning cash on the internet is not unusual or common things to do in today’s world. People... The post How to Invest Money to Make Money Online? appeared first on Investment Tips for Beginners. by Wise Investor
  • USA Upcoming Holidays for July 2015

    Wise Investor
    29 Jun 2015 | 2:20 am
    The USA Upcoming Holidays for July 2015 is Independence Day, to celebrate on July 4, 2015 (Saturday). In this page you will also learn from some trivia by answering a simple question. History: July 4, 1776, declaring United States of America Independence Day from Kingdom of Great Britain (Great Britain). Independence day is also known as “Fourth... The post USA Upcoming Holidays for July 2015 appeared first on Investment Tips for Beginners. by Wise Investor
  • Wells Fargo Mobile App Not Working

    Wise Investor
    28 Jun 2015 | 3:55 am
    What to do if Wells Fargo mobile app not working in your mobile phone (whether you are using android phones, smart phones, Samsung, iPhone, Windows, etc)? I do believe you know already the benefits and features of Wells Fargo mobile app. In this mobile app, you can transfer funds, you can pay bills online, and... The post Wells Fargo Mobile App Not Working appeared first on Investment Tips for Beginners. by Wise Investor
  • Maintain Permalink in Blogger to WordPress

    Wise Investor
    27 Jun 2015 | 10:27 pm
    This short tutorial will guide you on how to maintain permalink in blogger to WordPress, a simple and basic guide from our WordPress customization help topics. Yesterday we’ve just experience a complete and successful Blogger to WordPress migration. As the admin of InvestmentTotal.com, I am very happy because things now are flowing smoothly. Me and... The post Maintain Permalink in Blogger to WordPress appeared first on Investment Tips for Beginners. by Wise Investor
  • Successful Blogger to WordPress Migration

    Wise Investor
    27 Jun 2015 | 11:13 am
    Hi friends and loyal readers of InvestmentTotal.com, this is to announced to you that we have a successful blogger to WordPress migration. Do you want to congratulate us for this “hard” but “enjoyable” migration procedures. Last few years, we encountered so many problems in this blog. And we don’t want those blogger “stuff” to happen... The post Successful Blogger to WordPress Migration appeared first on Investment Tips for Beginners. by Wise Investor
 
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    Finance-Fu

  • Simple ETF Portfolio

    Abraham Fu
    30 Jun 2015 | 6:00 am
    So often you hear about the need to diversify, but how do you go about creating a portfolio that is diverse? Option 1: If you really don’t want to do anything, just buy a target date fund.  You’ll end up paying a little more in expenses, but you literally won’t have to do anything but keep reinvesting in the fund. Option 2: Create a portfolio of ETFs or mutual funds (here’s how to pick between them). Ultimately, it comes down to which is cheaper for you overall.  I personally like Vanguard ETFs because I get free trades and it gives me access to Vanguard’s lowest expenses (you pay…
  • Have I saved enough for retirement

    Abraham Fu
    22 Jun 2015 | 3:00 am
    How does one know if they have saved enough for retirement? The equation really is simple, but it takes some work. You want to look at your expenses on a monthly basis and see what which ones will increase vs decrease when you retire.  Then, you just compare that to the passive income you will be generating. So, what expenses will decrease? Expenses that will be eliminated at or before retirement: Retirement savings Paycheck deductions (think social security) Daycare/ childcare fees Commuting costs (gas, maintenance, etc.) Expenses that may decrease: Clothing costs Car insurance (less…
  • Investment Income Tax Rates

    Abraham Fu
    9 Jun 2015 | 5:00 am
    One of the most overlooked parts when calculating returns is taxes.   Often, taxes can take a large chunk out of what you thought you had made, but it’s not a sexy topic. What are some examples? Short term gains – you held the security for less than a year before you sold it Long term gains (or Capital gains) – you held the security for longer than a year before you sold it Dividends – these are what stocks or bonds pay out Short Term Gain Taxes If you held the security for under a year, you would be taxed at your ordinary income tax rate.  (This is the same rate at…
  • Worst Retirement Advice

    Abraham Fu
    26 May 2015 | 4:00 am
    One of the worst pieces of retirement advice I’ve seen is to work longer. When do other people recommend this? Other people recommend working longer as a solution to: Not saving enough Delaying social security General retirement advice Why working longer is terrible advice: Health reasons Employer Habits Heath and Employer reasons: These are the obvious ones – sometimes people just cannot work longer because of health reasons.  The other side of the coin is sometimes it may be hard to stay employed, depending on the industry. Habit reasons: Personally, this is the main reason why I…
  • How Much Money Should I Have in Emergency Fund

    Abraham Fu
    7 May 2015 | 5:00 am
    How much money should I have in an emergency fund? The answer heavily depends on your own financial situation.  There are a myriad of factors that could change how much is really necessary.  This could be anything from: How much debt you have What kind of debt How stable your pay is (e.g. if most of your pay is commission based) If you are self employed   Not even experts agree on the amount There are people out there that say you need anywhere from no emergency savings to almost a years worth.  But honestly, I think it should start and end with the individual.  By that I mean that…
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    Personal Finance Genius™ - The Stock Market

  • 10% of My Personal Stock Portfolio Is Invested In This Teen Retailer

    25 Jun 2015 | 6:11 pm
    50% off signs are seen at an Aeropostale store in Paramus, N.J. (AP Photo/ Mel Evans) Have you been to your local mall lately? Teen retailers are a dying breed. I’m talking about American Eagle, Aeropostale and American Eagle. These are the big three teen retailers that dominated their industry. A multitude of factors have contributed to this retail decay, including fierce competition from other retailers like H&M and Forever 21. According to Business Insider, teens are spending less money, and when they do spend money they are more likely to spend it on technology and fast food. On…
  • Don't Get Burned: Spotting a "Pump and Dump" Stock

    19 Jun 2015 | 10:40 pm
    In the first week of June, I got back to find a report in my mailbox. “High-yield winner” and “make you a fortune” were plastered all over the front of this report. It was hyping a stock I have never heard of called EMS Find ($EMSF). Apparently it is a company poised to make a stake in the private ambulance industry, and it was being pushed pretty hard in my mailbox. I’m not saying that this particular company is trying to scam investors and I by no means am indicating that they’re doing anything illegal. I just want to educate investors on pump and dump…
  • Which Mutual Fund Is Right For You? A Quick Guide to Seven Types of Funds

    27 May 2015 | 4:55 pm
    If you’re looking to invest and grow your wealth, one of the best tools you can have in your arsenal is a good mutual fund. However, when you’re out looking at different products, it’s easy to become overwhelmed with the amount of choices available. This isn’t something where you just pick one, because the fund you choose may not align with your style or personal goals. It’s important for you to understand the different types of mutual funds out there to make a better choice. Here’s a quick guide to the types of funds available: Blue chip – these…
  • My No B.S. Stock Portfolio That Earned 36% In Less Than Six Months

    19 Apr 2015 | 12:28 pm
    I love creating and testing investment strategies because I actually use this stuff in my own life. To become a skilled investor, I’ve got to learn experiment and re-adjust my methods. In this article, I’m going to share with you my WORST performing portfolio. Then, I’m going to share my 39% gainer with you. Disclaimer: proper diversification is critical. With this investment strategy, a few stocks may experience big losses. I lost over 77% from one stock in the portfolio, but still managed to get a 39% return. Also, if you don’t have the stomach to stay invested, this…
  • The Top Five Books Every Investor Should Own

    13 Mar 2015 | 4:41 pm
    While the average American will outsource his or her financial management to an advisor or outside party, he or she should still be knowledgeable about how investing works. By becoming an informed investor, one will have a higher level of confidence when dealing with finances and be less likely to encounter trouble in the future. The books listed below are not terribly complicated and lay the framework for investor education. They are not too specific and will not discuss things such as heavy balance sheet reading (such as Security Analysis by Benjamin Graham) or advanced charting patterns.
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    Personal Finance Genius™ - Personal Finance Tips

  • What's The Difference Between a Traditional IRA and Roth IRA?

    29 Jun 2015 | 12:01 am
    For most people, choosing which IRA they will use for retirement planning is one of the most important decisions they will ever make. The crucial difference lies in when you pay taxes on your contributions. With a traditional IRA, you pay taxes when you withdraw the money at retirement.  With a Roth IRA, you contribute to the plan with after-tax dollars and then withdraw the money tax-free at retirement. With both of these plans, your money will grow tax free while it’s in the account. Because Uncle Sam will get his money one way or another, you need to ask yourself, “Do I…
  • 5 Reasons Why You're Freakin' Poor

    27 May 2015 | 5:44 pm
    Note: This post is largely inspired by T. Harv Ecker’s book, Secrets of the Millionaire Mind. It’s filled with tons of great insights and ways to literally re-program your mind for wealth. I strongly suggest you give it a read. Being poor sucks, but it doesn’t have to be that way. The good news is that, if you know some of the reasons why you’re so poor, you can change your life. Here are some of the reasons why you’re poor. Reason #1: You believe that life happens to you. Rich people understand that they create their life. Poor people believe that they are…