Personal Finance

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  • Scary Longevity Charts for Couples in Retirement

    My Money Blog
    Jonathan Ping
    29 Oct 2014 | 11:59 pm
    It’s time for some morbid Halloween thoughts! Via an AAII interview with William Sharpe, it appears that the Nobel Prize winner and Sharpe Ratio namesake is working on a software project called Retirement Income Scenarios (blog and software site). It’s not very sleek and I haven’t spent much time with it, but one of the features is a longevity chart: One of the things that people can do using the illustrative software program available through my retirement income blog is to type in their age and sex and their partner’s age and sex and see the probabilities that both will…
  • Is your 401(k) keeping up with the Joneses?

    Get Rich Slowly - Personal Finance That Makes Sense.
    Robert Brokamp
    30 Oct 2014 | 4:00 am
    This is a post from staff writer Robert Brokamp. Would you like to know how much your friends or relatives have in their 401(k)s? Of course you would! And once you found out, you’d compare their balances to yours. After all, most of us want to know how we’re doing compared to everyone else — so we can endeavor to keep up or even do better. Call it “beating the Joneses.” Perhaps it’s a vestige from many generations past, when relative standing within the tribe dictated access to resources and opportunities to pass along one’s DNA. Oh, wait —…
  • 7 Ways Your Finances are Scarier Than Zombies

    Free From Broke
    Glen Craig
    29 Oct 2014 | 3:15 am
    Thanks to the Walking Dead zombies are more popular than ever this Halloween. You might even say they’re cool. But do you know what’s scarier than zombies?  Facing yet another Halloween with your financial demons! Here are 7 Ways Your Finances are Scarier Than Zombies…Read on…IF YOU DARE!!! 1. The horror of having no savings Every day is a horror movie when you don’t have any savings. One unexpected bill can scare the daylights out of you.  It can even affect your ability to do your job, take care of your family and run your household. Resolve to start saving money this…
  • Dirty tricks of the student loan industry

    Personal finance news - CNNMoney.com
    30 Oct 2014 | 9:31 am
    A financial regulator highlighted a string of servicing practices it didn't like.
  • How to buy furniture you like without spending too much money

    Bargaineering
    Jen A. Miller
    27 Oct 2014 | 12:00 am
    Jen A. MillerIn February 2013, I moved back into my house. Yes, moved back in. I bought the place in 2007 and turned it into a rental property when I moved in with my then-boyfriend. The relationship went bust at about the time my tenants were moving out, so I decided to go back home, and used [...]How to buy furniture you like without spending too much money from personal finance blog Bargaineering.com. This blog was posted by Jen A. Miller
 
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    Get Rich Slowly - Personal Finance That Makes Sense.

  • Is your 401(k) keeping up with the Joneses?

    Robert Brokamp
    30 Oct 2014 | 4:00 am
    This is a post from staff writer Robert Brokamp. Would you like to know how much your friends or relatives have in their 401(k)s? Of course you would! And once you found out, you’d compare their balances to yours. After all, most of us want to know how we’re doing compared to everyone else — so we can endeavor to keep up or even do better. Call it “beating the Joneses.” Perhaps it’s a vestige from many generations past, when relative standing within the tribe dictated access to resources and opportunities to pass along one’s DNA. Oh, wait —…
  • What can we learn from Gen Y’s view of money?

    Kristin Wong
    29 Oct 2014 | 4:00 am
    This article is by staff writer Kristin Wong. Recently, Fidelity released another survey about millennials and money. They found that 47 percent of us are saving for retirement. To me, that stat was really telling about our generation’s view of personal finance, and it’s not unlike other findings. When TIME wrote about the survey, they reported: “Transamerica Center for Retirement Studies found that 71% of millennials eligible for a 401(k) plan participate and that 70% of millennials began saving at an average age of 22. By way of comparison, Boomers started saving at an…
  • Investing: Two ways to beat average returns

    William Cowie
    28 Oct 2014 | 4:00 am
    This article is by staff writer William Cowie. If you are serious about your financial future, you’ve got to be serious about investing. Enough has been said about that, so I won’t belabor the point. But here’s a financial maxim that can’t be said enough… Financial success comes from doggedly investing over a long period of time and finding ways to: minimize risk so as not to lose what you have maximize earnings so as to add as much as possible to what you have When you read about the rock stars of investing such as Warren Buffett, Peter Lynch and others, you read…
  • What does your job tenure say about you?

    Honey Smith
    27 Oct 2014 | 4:00 am
    This article is by staff writer Honey Smith. Recently, I wrote about networking strategies that can help advance your career, and that got me to wondering what a “typical” career looks like these days. How have careers been affected by the Great Recession? Are people able to stay in a job and retire if they love it, or is the job market more chaotic than that? And what does it say about you either way? For instance, are there certain features of someone’s resume that might identify them as a baby boomer, Gen X, or millennial? Could that even pose an advantage or…
  • Ask the readers: Should we get married sooner to lower our taxes?

    Linda Vergon
    24 Oct 2014 | 4:00 am
    This article is by editor Linda Vergon. Landen and his fiancé are planning to get married in the fall of 2015 and they’re starting to think about how to blend their financial lives together as they tie the knot. There are always a lot of decisions to make when you get married: Will you keep your finances separate or merge them together? Will you add each other onto your existing bank accounts or close them and open joint accounts at a new bank? On and on it goes. They want to be smart about their finances from the beginning, but somewhere along the line Landen became aware that, in their…
 
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    Consumerism Commentary

  • Naked With Cash: Brian, September 2014

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

    Luke Landes
    29 Oct 2014 | 7:33 am
    Naked With Cash is an ongoing series at Consumerism Commentary in which readers share their households’ finances with other readers. These participants benefit from the accountability that comes from tracking their finances publicly and the feedback of the four expert Certified Financial Planners (CFPs). For more information, read this introduction. This year, we have four participants who will share their financial reports, exposing the results of their financial choices. Each participant is paired with one of our Certified Financial Planners. The experts will provide insight and…
  • The One Action You Need to Take in Any Market Correction

    Luke Landes
    20 Oct 2014 | 9:11 am
    As of today, the Dow Jones Industrial Average has erased all of its gains this year. We’re not quite in “market correction” territory, though. The S&P 500 is still up year-to-date, but it isn’t presenting as fantastic a return as was evident earlier in the year. We could be getting to the point where the market finds itself in the midst of a market correction. I wouldn’t pretend to be able to predict the daily, weekly, monthly, or annual swings of the stock market, but there’s no reason to rule a correction out as a possibility. Investing professionals…
  • Mark Cuban Wants to Cap Student Loans at $10,000

    Luke Landes
    13 Oct 2014 | 12:21 pm
    We expect much from people we see on television. And it’s worse when we perceive someone to be smart and talented, even if they’re speaking beyond their area of expertise. We think someone who is a great community leader or someone who is a great business leader will make a great President of the United States. We see the similarities in roles and responsibilities and believe that intelligence and talent in one area leads to success in another. The same bias happens in ourselves. Why else would Donald Trump, a successful business person who doesn’t appear to have…
  • Hard Work and Practice Can’t Guarantee Success

    Luke Landes
    8 Oct 2014 | 2:22 pm
    I’ve written extensively about taking control of one’s own finances. My life changed for me when I realized I had more control over my personal situation than I previously believed. Every human has the power to make every decision based on a future benefit. One can choose to use a pay raise to pay off an overdue credit card or to justify the unnecessary purchase of a new car. One can choose to go to work early every day and otherwise impress the executives to earn a raise, or to do nothing beyond the scope of a job description and stagnate in one position in a career for a decade…
 
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    Yahoo News - Latest News & Headlines

  • Penn. trooper ambush suspect captured

    30 Oct 2014 | 11:53 pm
    Survivalist Eric Frein surrenders to U.S. marshals, ending a lengthy manhunt.
  • Mexico police questioned in killing of 3 Americans

    31 Oct 2014 | 12:34 am
    MATAMOROS, Mexico (AP) — Authorities are investigating a possible police connection to the killing of three U.S. citizens visiting their father in Mexico who were found shot to death along with a Mexican friend more than two weeks after going missing.
  • Nurse defies Ebola quarantine with bike ride; negotiations fail

    30 Oct 2014 | 9:27 pm
    By Steve Holland CAPE ELIZABETH Maine (Reuters) - A nurse who treated Ebola patients in Sierra Leone but has tested negative for the virus went for a bike ride on Thursday, defying Maine's order that she be quarantined in her home and setting up a legal collision with Governor Paul LePage. Attorneys for Kaci Hickox, 33, said they had not yet been served with a court order to enforce the 21-day quarantine - matching the virus's maximum incubation period - but remained prepared to fight such an order if necessary. ...
  • U.S. Congress to revisit Islamic State war debate after election

    30 Oct 2014 | 10:14 pm
    By Patricia Zengerle WASHINGTON (Reuters) - When lawmakers return to Washington after Tuesday’s congressional elections they will resume a debate they began with some reluctance last month on the U.S.-led fight against Islamic State militants in Syria and Iraq. With the U.S.-led coalition increasing air strikes but no signs the militants have been weakened, Congress appears ready for a broader discussion on the operations than it was prepared to hold during the run-up to the election. ...
  • Suspect in Pennsylvania police ambush captured after seven-week manhunt

    30 Oct 2014 | 9:45 pm
    By Joe McDonald BLOOMING GROVE Pa. (Reuters) - The survivalist suspected of killing a Pennsylvania state trooper in a sniper attack in September could face the death penalty, prosecutors said, after a seven-week manhunt in the Pocono Mountains ended with his arrest on Thursday. Eric Matthew Frein, 31, had eluded capture by hundreds of law enforcement officers since the Sept. 12 ambush outside a state police barracks in Blooming Grove. The attack killed Corporal Bryon Dickson, 38, and wounded Trooper Alex Douglass, 31. ...
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    My Money Blog

  • Citi American Airlines AAdvantage Mastercard Review: 50,000 Bonus Miles (Updated)

    Jonathan Ping
    30 Oct 2014 | 12:43 pm
    Updated. American Airlines and US Airways have announced new details about their upcoming merger. As expected, the two frequent flier programs will merge and all the miles will become American AAdvantage miles in 2015. (US Airways Dividend miles will convert at a 1:1 ratio.) Along with that, they have slightly updated both the Citi American Airlines card and Barclaycard US Airways card. Here are the updated details on the Citi® / AAdvantage® Platinum Select® MasterCard® (yikes what a name): New cardholder bonus: Earn 50,000 American Airlines AAdvantage® bonus miles and 2 Admirals Club®…
  • US Airways Premier World MasterCard Review: 40,000 Mile Bonus (Updated)

    Jonathan Ping
    30 Oct 2014 | 12:41 pm
    Updated. American Airlines and US Airways have announced new details about their upcoming merger. As expected, the two frequent flier programs will merge and all the miles will become American AAdvantage miles in 2015. (US Airways Dividend miles will convert at a 1:1 ratio.) Along with that, they have updated both the Citi American Airlines card and Barclaycard US Airways card slightly. Here are the updated features of the US Airways Premier World MasterCard®. I recently grabbed this 40,000 mile bonus and have posted details on that below as well. Earn 40,000 bonus miles after your first…
  • Consumer Reports Online Discount: 50% Off, $15 a Year

    Jonathan Ping
    30 Oct 2014 | 12:21 pm
    This AmazonLocal deal can get you ConsumerReports.org online access at $15 for a 1 year subscription or $25 for 2 years, which is at least 50% off the normal price. Not valid for current online members or renewals. Subscriptions will not renew automatically upon expiration. Deal expires November 20th, 2014. Consumer Reports makes you pay separately for their print magazine and online access, although you do get a $10 annual discount when you already have a print subscription. (Which makes it $20 a year, still not as good as this deal.) I like the online access better anyway as you get…
  • Scary Longevity Charts for Couples in Retirement

    Jonathan Ping
    29 Oct 2014 | 11:59 pm
    It’s time for some morbid Halloween thoughts! Via an AAII interview with William Sharpe, it appears that the Nobel Prize winner and Sharpe Ratio namesake is working on a software project called Retirement Income Scenarios (blog and software site). It’s not very sleek and I haven’t spent much time with it, but one of the features is a longevity chart: One of the things that people can do using the illustrative software program available through my retirement income blog is to type in their age and sex and their partner’s age and sex and see the probabilities that both will…
  • 529 College Savings Plans: State-by-State Tax Benefit Comparison

    Jonathan Ping
    29 Oct 2014 | 12:28 am
    When choosing a 529 college savings plan, you’ll often have to weigh any in-state benefits with the superior investment options from an out-of-state plan. Every state seems to have their own unique combination of tax deductions and/or matching grants. Morningstar ran an analysis comparing the home-state tax benefits for a hypothetical family saving for college. We selected a hypothetical family of four that earns $50,000, or close to the national median household income. In our scenario, the family has two children and contributes $100 per month to each child’s 529 account, for a…
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    The Simple Dollar The Simple Dollar

  • Best Home Security System for 2014

    Heather Catalano
    30 Oct 2014 | 4:00 pm
    Home security is often not addressed until an intrusion has already occurred. According to the FBI, more than 2 million burglaries were reported in 2012. However, homes with alarm systems have shown to be 300% less likely to be broken into. It’s evident that the majority of us are not doing everything we can to proactively mitigate these risks. Top home security systems have a proven track record in protecting homes and their valuable contents. Read on to begin exploring which best home security system is the right fit for you and your family. The Simple Dollar’s Top Picks Here are the…
  • 15 Ways to Reduce Your Loans While You’re Still in College

    Kristen Kuchar
    30 Oct 2014 | 1:00 pm
    Take these steps while you’re still in school to lower your loan burden later. Photo: Parker Knight Stories of college graduates struggling to deal with their student loans are enough to scare away any bright-eyed college hopeful. If you’re thinking about college or in school right now, there are plenty of steps you can take to help reduce the amount of student loan debt you’ll be saddled with after graduation. Here are 15 ways to reduce your student loans while you’re still in school: 1. Take Time to Save Before Going to College There isn’t any rule that says…
  • 14 Simple Life Hacks That Have Each Saved Me $100 (Or More) Since My Financial Turnaround

    Trent
    30 Oct 2014 | 7:00 am
    As many of you know, I’m constantly trying out little lifestyle changes and tweaks just to see if they’re something that actually saves money and if they’re something that integrates well into my life. I’ll usually try out these tactics for a while and then do my best to assess whether or not it’s actually saving me money and whether or not it’s affecting my life in a positive or negative (or neutral) way. Let’s get one thing out of the way right now: I have no interest in being miserable just to be cheap. For me, the ideal frugal tactic is one that…
  • Give Your Entire Home a Makeover for Under $500

    Allison Martin
    30 Oct 2014 | 5:00 am
    Throw pillows, new paint, and colorful flowers can revamp a room quickly and cheaply. Photo: Wicker Paradise You pull into your driveway, glance at the yard, and a wave of disgust sweeps over you. The yard is a mess and you can’t stand to look at it another day. And that’s just the beginning. A tap of the garage clicker reveals a cluttered chasm of chaos, and quickly reminds you why you’re forced to park in the rain and parade your way to the front door. To make matters worse, the interior of your home isn’t much better. You’re bored with the layout and tired of the décor, and…
  • Best Student Loans in 2014

    Saundra Latham
    29 Oct 2014 | 4:00 pm
    Are you having a hard time finding out what the best student loans are? You might also be wondering how to nab the best student loan rates. You’re not alone if you think figuring out how you’ll pay for college is a stressful, complicated process. In this article, I’ll summarize federal student loans and private student loans, discuss whether private student loans make sense, and tackle how to get started in your search for the best student loans. If you already know you’re in the market for private loans, a site like SimpleTuition can ease your search for the best private student…
 
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    Wise Bread

  • 10 Wasteful Things That Frugal People Do

    Tim Lemke
    31 Oct 2014 | 2:00 am
    It's easy to assume that the more frugal you are, the more money you will save. But it's also possible to get duped into believing you're saving when you are really not. (See also: Frugal Red Herrings: Money Savers That Cost You in Other Ways) Despite the best of intentions, frugal people can...
  • Best Money Tips: How to Get Along With Anyone

    Amy Lu
    30 Oct 2014 | 12:00 pm
    Welcome to Wise Bread's Best Money Tips Roundup! Today we found some excellent articles on how to get along with anyone, tried-and-true frugal living tips, and last-minute Halloween savings. Top 5 Articles How to Get Along With Almost Anyone (It’s Easier Than You Think) — Pay...
  • Best Deals for Thursday 10/30

    Amy Lu
    30 Oct 2014 | 11:16 am
    Link for teaser title:  http://www.wisebread.com/bestdeals/today Lucky Brand Jeans: Up to 50% off sale items, Petco: 20% off entire purchase w/ printable coupon, Best Buy: 20% off...
  • 5 Things Millennials Do Later Than Previous Generations Did

    Brittany Lyte
    30 Oct 2014 | 10:00 am
    For millennials — young adults ages 18 to 33 — life unfolds a bit more slowly than it did for previous generations. Blame it on their entrepreneurial spirit or the Great Recession, but either way millennials have been hitting life's landmarks — marriage, mortgages, babies —...
  • 8 Ways to Save on a First Date Without Looking Cheap

    Mikey Rox
    30 Oct 2014 | 8:00 am
    A first date is your chance to get to know someone better — and if you're lucky, make a love connection. However, if you come off as a cheapskate, you may never get the chance. (See also: If You're Doing This on a First Date, You're Not Getting a Second) Like so many others dealing with the...
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    Bargaineering

  • How to buy furniture you like without spending too much money

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

    Jen A. Miller
    20 Oct 2014 | 12:00 am
    Jen A. MillerYour co-worker, your neighbor, the corner market owner. They all joined the modern world long ago. For awhile I was reluctant, but I too have gotten hip to the new age. Yes, I’ve started cashing checks through my smartphone I resisted the convenience for two big reasons. First, when the technology debuted, the time from [...]Why I’m no longer afraid to deposit checks by mobile phone from personal finance blog Bargaineering.com. This blog was posted by Jen A. Miller
  • A YouTube video taught me how to fix my oven, saving $1,000 in repair bills and boosting my confidence

    Amy Fontinelle
    13 Oct 2014 | 12:00 am
    Amy FontinelleMy old oven When my oven went out a few months ago, I put off dealing with the problem. The appliance looks about 30 years old, so I assumed it was beyond repair and that replacement parts wouldn’t be available. Because it’s a wall oven, not a freestanding range, my research revealed that it would [...]A YouTube video taught me how to fix my oven, saving $1,000 in repair bills and boosting my confidence from personal finance blog Bargaineering.com. This blog was posted by Amy Fontinelle
  • With ticket prices taking off, here’s how to save on your holiday and winter air travel

    Julie D. Andrews
    6 Oct 2014 | 12:00 am
    Julie D. AndrewsFeel like you’re paying ungodly amounts of dough for each plane ride you take lately? You’re not imagining (or exaggerating) the state of air travel. The price of the average round-trip airfare, with taxes, rose to $509 in the first six months of 2014, according to recent data from the Airlines Reporting Corporation. The cost [...]With ticket prices taking off, here’s how to save on your holiday and winter air travel from personal finance blog Bargaineering.com. This blog was posted by Julie D. Andrews
  • How To Win McDonald’s Monopoly Game, 2014 Edition

    Kathy OGorman
    30 Sep 2014 | 9:46 am
    Kathy OGormanWelcome to the 2014 edition of McDonald’s Monopoly game. The game has returned to its traditional schedule this year with a fall launch. The fast-food giant last year caught everyone off guard by launching the game two months early — in July. But fall just feels right for this game, doesn’t it? The 2014 game [...]How To Win McDonald’s Monopoly Game, 2014 Edition from personal finance blog Bargaineering.com. This blog was posted by Kathy OGorman
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    fivecentnickel.com

  • Funding Higher Education with an ISA

    William Cowie
    29 Oct 2014 | 1:00 am
    Have you ever watched the popular television show “Shark Tank” In it, entrepreneurs pitch their young businesses to five rich tycoons (the “sharks”) in hopes of attracting an investment from one or more of them. Some entrepreneurs are youngsters with a great idea, some are savvy veterans, and others are ordinary families hoping to turn a great idea into a million-dollar business. Not all get an investment. When you do get an investment, it usually takes one of two forms: An equity stake in your business A royalty on gross sales The sharks don’t invest in every…
  • 10 Steps on the Career Ladder

    Richard Barrington
    27 Oct 2014 | 1:00 am
    With the unemployment rate recently edging below 6 percent, the job market is starting to look healthier than it has been since before the Great Recession. While that market does not yet favor employees the way it did during the 1990s, it has recovered enough to justify a more ambitious focus. People who had to scuffle to find a job can now start thinking about their next career move. Climbing the Career Ladder How you handle your career is one of the most important financial tasks you will ever tackle. Think of it this way: Your career is an income-generating asset, and unless you become…
  • When Taking Vows, Vow to Spend Less

    Jeffrey Steele
    22 Oct 2014 | 1:00 am
    Talk to anyone 19 to 90, and they’re likely to have very clear memories of their first experience going steady. Mine came at the decidedly ancient age of 17, and I can recall that star-crossed life chapter like it happened last week. My perky, mahogany-haired, 16-year-old inamorata and I didn’t have much in common other than a passion for hours-long sessions in lover’s lane. When we stopped long enough for a conversation, I became aware that her hopes for the future centered on a single day — her wedding day. It didn’t matter that we had no money. It didn’t…
  • Top 10 Money Mistakes New Parents Make

    Suba Iyer
    20 Oct 2014 | 1:00 am
    Having a child is an exciting and exhausting experience. The feeling of holding your newborn in your arms cannot be described in words. Along with this exhilarating feeling, though, comes sleep deprivation, hectic schedules and the determination to provide nothing but the best for your precious little one. Even with the best intentions, it is very easy to lose track of finances or make unwise decisions with money. Here are some of the top money mistakes new parents make: Not having life insurance (or skimping on insurance): We do not want to think about dying, especially after a bundle of joy…
  • The Latest Occupational Hazard? Binge Working

    FCN Staff
    17 Oct 2014 | 1:00 am
    This post comes from Jacqui Kenyon at our partner site LearnVest. Have you ever gotten absorbed in a project on your laptop, only to look at the clock to see that three hours have passed? TODAY Money calls it the “hypnotic effects of technology,” and it’s just one of several factors contributing to a new and dangerous office trend: binge working. With more and more employees connected at all hours, anxious about money and job security, and pumped up on good ol’ caffeine, working beyond any semblance of a normal office day is becoming more common—and sometimes with dangerous…
 
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    AllFinancialMatters

  • Ten Years Gone By…

    JLP
    13 Oct 2014 | 7:22 am
    It is hard to believe that I started blogging ten years ago today. I remember going to lunch with a group of men from my church. After lunch, I came home and set up AllThingsFinancial on the blogger platform. Why did I start blogging? I had read an article in the Wall Street Journal about a guy who set up a private blog for his extended family so that they could keep up with all the happenings of his kids. I got to thinking that it might be cool to use the same platform to talk about personal finance. When I started blogging, there were literally only a handful of personal finance blogs. Mine…
  • Finally Moved In…

    JLP
    9 Oct 2014 | 11:59 am
    I’m happy to report that we FINALLY got moved into our new house nearly two weeks ago. I just got internet set up on Tuesday. As you can see, I still have some work to do on my office…
  • Check Out the AllFinancialMatters.com Flipboard Magazine

    JLP
    12 Sep 2014 | 10:39 am
    I created a Flipboard Magazine awhile back in an attempt to organize articles I found interesting. Please check out the AllFinancialMatters.com Flipboard Magazine and tell me what you think. If you would like to be a contributor, send me an email (JLP at AllFinancialMatters.com) and I’ll get you set up.
  • What Are You Reading or Listening to These Days?

    JLP
    9 Sep 2014 | 10:17 am
    We moved to our temporary location a couple of weeks ago. We will be here until our house is complete in a few more weeks. I have been driving my kids back and forth to school in another town (the school in the town we will be living in). It’s 30 miles round trip, which gives me a lot of time to listen to music and books. I signed up for Audible last year and love it. I also like that some Kindle books sync with the audible version of the book. Often, the Audible version can be added to the Kindle purchase fairly inexpensively. I like this because I can listen in the car via my iPhone,…
  • Letter from a Father to His College-Bound Son

    JLP
    29 Aug 2014 | 9:29 am
    This is great… I heard this while listening to “The Book of Man” by William Bennett. It is a letter written by John D. Swain as his son headed off to Yale. It’s from 1912, but the advice is still good today. Common sense never goes out of style. My oldest son headed off for Texas A&M and Blinn this week. This letter hit home. Happy Friday! My Dear Son: I am writing a few things I meant to say to you when we took our last walk together, the day before you left for Yale. l intended to say them then and I will even confess that l shamelessly inveigled you into taking…
 
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    Mighty Bargain Hunter

  • Oh, you’re such a TEASE! Mastering teaser rates and more

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

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

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

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

    John Wedding
    10 Oct 2014 | 8:47 pm
    Clothes can say many different things. Such as: “I’m quietly confident.” Or: “I’m hip and stylish.” Or even: “I’m utterly tacky.” Regardless of the specifics, all clothes say: “I’m not naked.”  This is largely what I demand of my clothing, and it’s largely what everyone else demands of my clothing as well. My wife has a few more criteria than I do about my clothing, one of which is that the color of said clothing shouldn’t make me look naked. Because that’s nearly as bad as actually being naked.  (If…
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    Personal Finance Resources

  • The Theoretical Aspects of How Much Insurance Should One Have

    Team RupeeManager
    18 Oct 2014 | 3:43 am
    It is difficult to put a price tag/value on anyone’s life. However to buy insurance you have to first answer the question of how much insurance should one have. So to put a price to your life, it is important … Continue reading → The post The Theoretical Aspects of How Much Insurance Should One Have appeared first on Personal Finance Resources.
  • Measurement of Risks and the tradeoff with Returns

    Team RupeeManager
    17 Oct 2014 | 4:20 am
    The risk return trade-off is based on the principle that potential return rises with an increase in risk. Low levels of uncertainty (low-risk) are associated with low potential returns, whereas high levels of uncertainty (high-risk) are associated with high potential … Continue reading → The post Measurement of Risks and the tradeoff with Returns appeared first on Personal Finance Resources.
  • How to Complain against Investment Frauds

    Team RupeeManager
    16 Oct 2014 | 2:33 am
    If you have a complaint, you should first try to contact the person or company that is the cause of your complaint. You might be able to resolve your problem more quickly by speaking to them directly rather than waiting … Continue reading → The post How to Complain against Investment Frauds appeared first on Personal Finance Resources.
  • Useful Platform for Mutual Fund Investors: MFU

    Team RupeeManager
    15 Oct 2014 | 12:12 am
    Mutual Fund Utility (MFU), a shared platform being built by the mutual fund companies in India, is being launched soon. MFU offers convenience and empowers the investors of Mutual Fund schemes. As on date 25 AMCs (Asset Management Companies or Mutual … Continue reading → The post Useful Platform for Mutual Fund Investors: MFU appeared first on Personal Finance Resources.
  • Tracking Apps for Your Finance on Mobile

    Team RupeeManager
    14 Oct 2014 | 11:47 pm
    It is a great idea to use some of the productivity apps on your mobile that can help you with your personal finance. And once you start tracking your finances, you will be able to make continuous improvement in money … Continue reading → The post Tracking Apps for Your Finance on Mobile appeared first on Personal Finance Resources.
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    Lazy Man and Money

  • Coke and Free WiFi

    Kosmo
    30 Oct 2014 | 8:30 am
    Recently, Coke announced that they will begin offering free WiFi to some rural villages in South Africa.  The internet acess will be provided by a Coke machine.  Depending on the success of the program, they may expand the program to other locations in Africa and beyond. This struck me as an interesting idea.  Naturally, I did what I usually do with interesting idea - kicked it around with Lazy Man for a bit.  We came to different conclusions on the best way to profit from WiFi enabled machines (the discussion was not tied to the South African machines, but to a more general model). Lazy…
  • Are Stock Buy Backs Fictitious Growth?

    Lazy Man
    28 Oct 2014 | 5:15 am
    Several months back, I wrote about how I was investing in IBM mostly because I think Watson is going to be huge. It was a pretty good investment for awhile. I was up 10% and everything was puppies and rainbows. Last week, the investment took a dive. IBM earnings were not what Wall Street expected and they sliced the stock 10%. I'm thinking about using this as an opportunity to dollar cost average in, but I'm not looking to rush into anything. In doing some research, I came across this Seeking Alpha article saying that IBM is an "illusion" that we shouldn't fall for. Before I get into the…
  • 18 Lessons and Thoughts about Buying Solar Panels

    Lazy Man
    27 Oct 2014 | 9:45 am
    Over the last few weeks, I've written a lot of articles about our move to solar power. While you can read them all here, I feel like I need some kind of summary. In each step of the process, I learned something new. Very often I learned it from commenters, who really stepped to the plate. So let's dig right in. Is Solar Right for Me? That's usually the first question people ask. Writing this to a national audience, there's no easy answer. I can only break it down into small questions, which may be easier to answer. 1. Does your home have a roof that faces south? There's a commercial building…
  • Is Rodan and Fields a Scam?

    Lazy Man
    24 Oct 2014 | 6:15 am
    It's not often that a personal finance blogger says that they are getting involved in multi-level marketing scheme. However, earlier this week, I woke up to an email from a friend saying just that. Specifically it went like this, "I'm really sleepy but had a quick read of this and.... Isn't Rodan and Fields a pyramid/MLM scheme?" Then she posted the link to this Jenny Pincher article on multiple streams of income. I consider The Jenny Pincher to be reputable, so this came as a surprise. Last I had heard from her was about a month or two ago. She was thinking about taking some off and finding…
  • When Electricity is “Free”

    Lazy Man
    22 Oct 2014 | 9:00 am
    Last Friday, we signed the paperwork with our intent to get solar power. Over the last few weeks I've been writing about our move to solar power. If you are up-to-date on that you can skip the next few paragraphs. Otherwise, let me bring you up to date. For Earth Day this year, I started to explore whether going with solar power would save me money. Then I forgot about it until the question of leasing solar panels came up on another blog post. That got me motivated to have a company give me a free initial proposal which showed that solar could cover 83% of our energy needs. In meeting with…
 
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    No Credit Needed

  • Call For Discounts

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

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

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

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

    NCN
    15 Sep 2014 | 4:00 am
    A quick Google check confirms it:  The first day of fall is September 22. I had to look that up just to be sure, because the high today was 91 degrees, which is decidedly un-fall-ish. In just a few weeks (hopefully!) the weather will turn and fall will be here.  In preparation, I’ve been working hard to get our house ready for fall – and the winter to follow. Outside – Rain Gutters – At the end of summer and winter, I clean out our rain gutters.  With several large oak trees in our yard, it’s important to routinely remove fallen leaves from our rain gutters.
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    Free From Broke

  • 7 Ways Your Finances are Scarier Than Zombies

    Glen Craig
    29 Oct 2014 | 3:15 am
    Thanks to the Walking Dead zombies are more popular than ever this Halloween. You might even say they’re cool. But do you know what’s scarier than zombies?  Facing yet another Halloween with your financial demons! Here are 7 Ways Your Finances are Scarier Than Zombies…Read on…IF YOU DARE!!! 1. The horror of having no savings Every day is a horror movie when you don’t have any savings. One unexpected bill can scare the daylights out of you.  It can even affect your ability to do your job, take care of your family and run your household. Resolve to start saving money this…
  • Save Money – Ask About Bundling Insurance Policies

    Kevin Mulligan
    24 Oct 2014 | 3:27 am
    How many insurance companies do you have? Not just insurance policies, but how many insurance companies are you juggling? If you are working with multiple insurance firms you might be missing out on significant savings that you can get by bundling your insurance policies. Most Americans have several lines of insurance to cover various aspects of their lives: car insurance, homeowners or renters insurance, and life insurance are some of the most common policies.  Price shopping is common by consumers and often the lowest bid company wins. But is that the best strategy? How Does Bundling…
  • FutureAdvisor Review – Investment Management and Advice With Low Fees (Even Free)

    Kevin Mercadante
    20 Oct 2014 | 7:02 am
    FutureAdvisor is a web-based investment platform that automatically manages your portfolio. The site offers comprehensive investment management and does so with one of the lowest fee structures in the industry. Read on as we review FutureAdvisor and you’ll see whether they are a great investing platform for you. FutureAdvisor – Get Professional-Grade Investment Management at a Low Price Who Is FutureAdvisor? FutureAdvisor gives you automatic investment management as well as free tracking. Based in San Francisco, FutureAdvisor began in 2012.  The founders and management team of…
  • How to Budget for Christmas Shopping – Your Guide to Survive the Holiday Season

    Glen Craig
    15 Oct 2014 | 3:44 am
    Yes, it is only just Fall and the leaves are barely starting to change color but before any of us realize it, the snow will be on the ground and Jingle Bells will be playing at the mall (OK, the holiday music will start once Halloween is over). Budgeting for Christmas shopping now may sound like a chore but it can be the life line you need to avert debt. Typically when a person goes Christmas shopping and there is no budget, then this gives the illusion of having no limits – and no limits often leads to January credit card bills that hurt. I’ve heard people talk about how they…
  • Barclaycard Arrival Plus World Elite Mastercard – Review: 40k Bonus Miles, 2x Rewards, and More

    Glen Craig
    9 Oct 2014 | 5:25 am
    When you use a credit card wisely it’s a great tool to have in your pocket.  But it’s even better when you can earn some nice, juicy rewards that can help you travel! That’s what the Barclaycard Arrival PlusTM World Elite MasterCard® does. Stick around and keep reading our review and I’ll show you why the Arrival Plus World Elite is aching to be part of your credit card tool set.  You’ll also see what’s it’s a great all-around travel rewards card. The Barclaycard Arrival PlusTM World Elite MasterCard® – Rewards That Are Easy and Keep Coming…
 
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    Blogging Away Debt

  • The Costs of a Trip to Texas

    Ashley
    30 Oct 2014 | 9:18 am
    The comments section on this post were all over the place! I’d talked about making a trip back to Texas and about half of you were supportive of the decision…. Yes, a trip back home would be a good thing! You can’t place a value on time spent with family. There are no guarantees in life – spend time with your loved ones while you can! ….and the other half of commenters were not. In particular, many people voiced that they thought this was an impulsive and not well thought out decision. And guess what guys…..you’re right!!! You are absolutely right that this was a knee-jerk…
  • Helping Kids Manage Money

    Hope
    29 Oct 2014 | 8:20 am
    Note: This post is primarily about my teenagers, while the little ones do have ways to earn money and responsibilities, they are at a different level so read this with teenage boy in mind. The twins have started their part time jobs!  One of them just received his first paycheck.  Now it’s time to implement some guidelines on managing their money. I am wide open for your advice especially if you have traveled this path before with teens… So what have we done up to now…all of the kids have the ability to earn money through work around the house but let’s face it,…
  • The Part Time Job

    Hope
    28 Oct 2014 | 3:00 am
    I’ve bitten off more than I can chew…so this past weekend I resigned my part time job, and I felt horrible about it.  One because I really enjoyed just getting out of the house and my typical routine and being around other adults and just doing mundane tasks that I didn’t have to bring home.  Oh, and the bi-weekly deposits into my newer emergency fund were nice. I went in for what I assumed would be my last day this past Friday, and realized just how much I appreciate and respect my boss there.  She is rock steady, a micro manager without being a micro manager and I…
  • Making Do: Family Picture

    Ashley
    27 Oct 2014 | 11:00 am
    Full disclosure:  I actually wrote this post back in August. I have no idea how/why I forgot about it until now, but I wanted to publish it as part of my “making do” series (see others here, here and here). So, as you read, sorry about the dated language (i.e., I mention October being “almost a year ago” when….clearly its been a full year at this point since last October, lol). At any rate, enjoy! The first week of preschool the teacher sent notes home with our girls asking for us to bring a recent family photo to school for a special project. It turns out…
  • Modified Money Envelope System

    Ashley
    27 Oct 2014 | 6:00 am
    Well the month is almost over and I wanted to report on how my modified money envelope system has gone. Remember, I decided to do a modified money envelope with only 2 categories: groceries and eating out. Instead of a traditional envelope I used the two compartments in my wallet and designated one for each of these purposes. How did it go? Well, as with anything new, I think there were a bit of some growing pains. Cons: There’s really only one. Because the money was stored in my regular wallet (instead of a big, bulky envelope), at the beginning of the month I would sometimes forget it was…
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    Clever Dude Personal Finance & Money

  • Customer Service: A Tale Of Two Stores

    Brock
    29 Oct 2014 | 4:28 am
    Image courtesy of stockimages at FreeDigitalPhotos.net I want to play a game with you today. I’m a big proponent of voting with my spending dollars. If a business treats me right, I keep spending my money there. If they treat me badly, I take my money elsewhere. I’m going to tell you two real experiences of mine, gradually revealing more detail, and I want you to see how fast you can determine which store will get my business again, and which one won’t. Store #1 : AT&T My family and I went to the official AT&T store to investigate upgrading our phones. When…
  • Is Any Sale Really Final?

    Brock
    27 Oct 2014 | 2:00 am
    Image courtesy of Idea Go at FreeDigitalPhotos.net “Just to let you know, all Halloween sales are final,” said the cashier as she handed me the receipt. Nodding our heads in agreement, my wife and I walked out the store with a bag full of decorations. I had pulled the bins of fall items we already owned out of the attack earlier in the afternoon, and my wife and I decided we wanted to enhance our decorations for the upcoming Trick or Treat festival. One of the items we had found was a battery operated spider that attaches to the top of a door frame. When someone comes near it, a motion…
  • Clever Posts Of The Week – October 24th

    Brock
    24 Oct 2014 | 5:01 am
    While getting ready for the day, I stretched in front of my bathroom mirror.  In my early morning fog, I didn’t pay a lot of attention to where I was extending my arms, and I ended up hitting the light fixture on the wall above the mirror…..and knocked it out of the wall.  I have no idea how these things are attached, but apparently my theory that they would be attached to a stud was completely wrong.  The fixture is now hanging loose, but not loose enough for me to see what’s behind it, how it’s supposed to be secured to the wall, or what’s wrong with it. …
  • FREE Software That Can Save You Headaches and Money

    Brock
    22 Oct 2014 | 2:00 am
    Image courtesy of Stuart Miles at FreeDigitalPhotos.net My dad doesn’t talk much during my weekly phone calls with my parents, but he does pop on the line every now and then to get the abbreviated version of what’s going on. On one particular night as the conversation with my mom was winding down I heard the, “click” indicating he had joined us. “I need you to take a look at my computer the next time I see you. It’s super slow, and things keep popping up. It all started after a weird phone call,” he said. About eight years ago the improbably happened, and my very old…
  • Can Kcups Be Used More Than Once?

    Brock
    20 Oct 2014 | 2:00 am
    My wife is a coffee drinker, however I am not. It’s a strange phenomenon as I love the smell of freshly brewed coffee, but I cannot stand the taste. Even more strange is the fact that coffee tastes almost exactly how it smells. Despite my lack of love for coffee, I commonly make my wife a cup using her beloved Keurig single cup coffee maker before she comes downstairs in the morning. I know that she prefers her coffee with one cream and one packet of sugar. Through the years of this routine I’ve asked myself countless times why we use the Kcups that hold the coffee grounds only once.  …
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    Don't Mess With Taxes

  • 2015 income tax rates, income brackets Rates the same, but income amounts increased for inflation

    skbell1
    30 Oct 2014 | 1:55 pm
    This is why people hate taxes. OK. There's no one "this" when it comes to tax loathing. But here's one big reason: confusing dates. Right now we're working on ways to reduce our current year's tax bill. To do that, we must make many tax moves by Dec. 31. But some of those moves will depend on what our tax situations will be like in the coming year. So we've got to juggle two tax years simultaneously. That's two too many tax years for most folks. Still, it's a necessary tax evil. And the latest comparison and evaluation of this year's and next…
  • Voters get their say Nov. 4 on myriad ballot initiatives

    skbell1
    29 Oct 2014 | 1:22 pm
    Nov. 4 is not just a day to decide which candidates will fill local, state and federal legislative offices. Voters across the country also will be having their say on 146 ballot measures. The topics awaiting the people's voice range from guaranteeing gun rights, legalizing marijuana, hiking the minimum wage and even defining what it takes to be a person. Oh yeah. There also are several tax ballot initiatives, as detailed in today's Weekly Tax Tip. Straight to voters: Although lawmakers are chosen to make tough decisions about running a state or other levels of government, they are…
  • Desert island bipartisanship, sort of, on new reality TV show

    skbell1
    28 Oct 2014 | 3:15 pm
    What does it take to get U.S. Senators from opposing parties to work together? Dropping them off on a deserted island. That's the premise Rival Survival, a new reality TV show that debuts at 10 p.m. (9 Central) Wednesday, Oct. 29, on Discovery Channel. Republican Jeff Flake of Arizona and Democrat Martin Heinrich of New Mexico spent six days and nights on Eru, one of the Marshall Islands. Judging from some of the previews the cable channel has released, the Senators still occasionally exchanged political barbs. But according to the lawmakers who are making the PR rounds in advance of the…
  • IRS seizes honest taxpayers' assets under forfeiture program

    skbell1
    27 Oct 2014 | 6:14 am
    Oh my Lord, IRS. What in the hell were you thinking? The Internal Revenue Service is already the most hated government agency, and then you go and seize honest working people's assets just because you can. Even worse, you make it incredibly hard for them to prove that it's you, not them, that is in the wrong. I repeat: What in the hell were you thinking? Apparently, according to a New York Times' story, the IRS was thinking that civil forfeiture laws offer an easy way to collect more money. Under the Civil Asset Forfeiture Reform Act, law enforcement agents can take private…
  • Dolce & Gabbana tax convictions erased by Italy's top court

    skbell1
    26 Oct 2014 | 1:15 pm
    Domenico Dolce and Stefano Gabbana, founders of the high-end Italian fashion label Dolce & Gabbana, are no longer convicted tax evaders. Italy's highest court on Oct. 24 overturned two lower court convictions that the duo had participated in what Italian prosecutors called a "sophisticated tax fraud" scheme. Dolce and Gabbana had been found guilty in April 2013 of using a Luxembourg holding company to avoid paying taxes of €200 million ($253.39 million U.S. as of this morning's exchange rate) on royalties for sales in 2004 and 2005. That sizable chunk -- I'm…
 
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    Money Smart Life

  • How it’s Never Too Late to Start Saving for Retirement

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

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

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

    Kevin Mercadante
    6 Oct 2014 | 2:26 pm
    Next to the loss of your income, the biggest concern you’ll probably have following a layoff is the prospect of losing your health insurance. This is a rational concern. Not only will you not have sufficient income to deal with medical events, but the very fact that you’re unemployed can make you more vulnerable to accidents, injuries, and certain types of illnesses. For these reasons, you’ll want to do whatever you can to make sure you have at least some type of health insurance in place during your time of unemployment. The most common form of health insurance following a layoff is…
  • How to Convert Employer-Paid Insurance to an Individual Policy Upon Layoff

    Kevin Mercadante
    29 Sep 2014 | 6:00 am
    After you experience a layoff, there is a provision in federal law – known as COBRA – that will enable you to retain your employer-sponsored health insurance plan for up to 18 months or longer. But health insurance is hardly the only type of insurance coverage that you may have with your employer. There are other types of policies that you may have had through your employer, and you may wish to continue them after you’ve been separated. Unfortunately, other types of employer-sponsored insurance plans are not dealt with the way health insurance plans are under COBRA. In fact,…
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    MoneyNing

  • Achieve Your Financial Goals By Focusing on this One Thing

    Travis Pizel
    30 Oct 2014 | 5:00 am
    “Today is the only important day. There are 86,400 seconds in a day, and how you use those are critical.” As someone who’s training to run a marathon next June, I’m constantly bookmarking inspirational quotes and videos I find online. The above quote is from a video collage posted by a fitness facebook page, that is six minutes of pure motivation. My interpretation of this quote is that today is only day you have control over. Today should command your full attention, and requires all of your effort and energy. Yesterday is done and gone. You cannot change what you did…
  • 5 Creative and Fun Ways to Reach Your Financial Goals

    Alexa Mason
    29 Oct 2014 | 5:00 am
    Regularly setting financial goals, and mapping out a plan to reach those goals, is a practice that can transform your life. The problem is, while it’s fun to think of big goals and imagine your dream life, it can be hard to find the motivation to take action. And actually sticking with the plan once you’ve created it, is even more of a hurdle. So how do you stay motivated to reach big goals when you struggle to keep going, or can’t find the inspiration to take the first step? If you have trouble staying on track, one of these unusual but fun techniques will no doubt help get…
  • How to Stop Yourself From Spending Your Emergency Fund

    Miranda Marquit
    28 Oct 2014 | 5:00 am
    What truly constitutes an emergency? Many of us tend to justify taking money out of our rainy day fund by calling something an emergency when, really, it’s not a true emergency. As you work on building your emergency fund, take a step back and consider how you will use the money you accumulate. Dr. Stephen Lesavich, the co-author of The Plastic Effect: How Urban Legends Influence the Use and Misuse of Credit Cards, suggests to create spending rules so your emergency fund doesn’t become a sort-of general fund that you raid whenever you feel like it. Here’s how to put…
  • 3 Sneaky Scams I Fell For (and How You Can Avoid Them)

    Allison Martin
    27 Oct 2014 | 5:00 am
    If you read or watch the news, you’ve likely noticed one scary thing: fraud is on the rise and perpetrators aren’t cutting victims any slack. This is even more evident as the holiday season gets closer, as consumers are trying to avoid the crazy shopping malls and opt to order gifts online instead. This is beyond bad news for anyone who is inexperienced with financial issues, or don’t protect themselves when listing payment information online. But how about those of us who do take precautions, and are well seasoned in money matters? Unfortunately, criminals have a way of…
  • Should We Borrow Money From Our Home Equity to Pay Off Debt?

    Ashley Eneriz
    25 Oct 2014 | 5:00 am
    One of the pieces of advice you hear over and over in the financial industry is, to not borrow money against your home for basically any reason. There are some people who suggest that it’s OK to take out a home equity line of credit (or HELOC) so you can invest the funds, or make improvements on your home. But to pay off consumer debt? That’s a no-no. I always thought this was a wise piece of advice, but recently decided not follow it. My husband and I bought our first home two years ago, when the market was incredibly low, for $172,000 at a 3.5% interest rate. A smart…
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    Money Blue Book

  • Yes, Obama's credit card was declined -- but yours needn't be

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

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

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

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

    19 Sep 2014 | 10:44 pm
    According to a popular estimate, more than 40 million Americans now owe a combined $1.2 trillion in student loans. That's made the issues surrounding these loans -- including income-based loan repayment plans -- a hot topic lately. Income-based repayment plans may lower your monthly payments and, ov [...]
 
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    treesfullofmoney.com

  • Keep Your Pension or Take a Lump Sum Buy-out?

    Ben
    7 Oct 2014 | 1:49 pm
    Has your current or previous employer offered you a lump sum buy-out package in lieu of your pension? Deciding on whether or not to take a lump sum payment instead of monthly pension payments can be a very difficult decision to make. On one hand, you like the idea of having control of your hard earned money. On the other hand, the assurance of having a reliable source of income each month would be nice too. To help you through this difficult decision, I have created this simple guide to decide whether or not you should accept a lump sum package from your employer or if you should opt to…
  • 2015 Open Enrollment Benefits Guide

    Ben
    4 Oct 2014 | 10:49 am
    It’s that time of the year again! That’s right…it’s Open Enrollment season! Open enrollment periods (typically occurring at the end of the year for most employers) are the times when employees are able to make benefit package selections for the upcoming year. Knowing how to maximize your benefits for your family can help save you thousands of dollars a year but it will require a little planning on your part. This guide will help you make the most of your employer’s 2015 benefits package and help ensure you’re getting the most value out of your employer…
  • How 401k Contributions Affects Your Take Home Pay

    Ben
    3 Oct 2014 | 6:56 am
    Are you thinking of increasing your monthly contribution amount to your company’s 401k plan?  Perhaps you’ve wanted to increase the amount you contribute to your 401k plan each month but weren’t sure if you’d still be able to meet your monthly financial obligations with the decrease in net take-home pay. We’ll there’s good news you may not realize regarding 401k contributions! Increasing your monthly 401k contributions does not affect your take home pay on a dollar for dollar basis. Take a look at my handy 401k contributions table above.  If your…
  • Understanding 401k Annual Compensation Limits

    Ben
    2 Oct 2014 | 12:28 pm
    401k Annual compensation limits are probably one of the least understood variables that could affect your 401k retirement plan savings rate. It’s important to remember that regardless of how much you earn, you are able to contribute up to the maximum allowable 401k contribution limit each year. However, the matching contributions that your employer makes on your behalf can be affected if you make over a certain amount each year (hence the term compensation limit). In this article, I hope to explain annual compensation limits for 401k plans and provide an easy to understand example. How 401K…
  • Beginner’s Guide to 2015 Medical Flexible Spending Accounts (FSA)

    Ben
    1 Oct 2014 | 1:36 pm
    It’s that time of the year again when many companies allow their employees to make changes to their respective benefit package options. This “open enrollment” period, as it has become known, is a great opportunity for employees to review and maximize their benefits to make sure they are getting the most value out of their companies benefit plans. With a little planning, you could save up to $1000 a year or more in taxes by fully utilizing your company’s Medical Flexible Spending Account (FSA). One area where employees can potentially save a bunch of money is through…
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    The Dough Roller

  • DR 120: Should You Save for Retirement or a Home?

    Rob Berger
    29 Oct 2014 | 7:11 am
    Prioritizing financial goals is one of the hardest things to do.  And it comes into play in so many different ways. How much would you save for an emergency fund while you’re paying off all your debt? Which debt should you pay off first? Should you pay off all your debt before saving for retirement? The list of competing financial goals goes on and on and on. What makes these decisions particularly difficult is that  we must make some assumptions about the future.  What will the stock market do?  Will interest rates go up or down?  How stable is your job? Many of these questions…
  • 401k and IRA Contribution and Deduction Limits for 2014 & 2015

    Rob Berger
    24 Oct 2014 | 7:00 am
    The IRS recently released the new 2015 401k and IRA contribution and deduction limits. While 401k limits had remained flat since the last increase in 2012, they are going up again in 2015.  401k and catch-up contribution limits are all increasing.  Limits for IRA contributions, however, are not going up. Here are the detals. 401(k) Contribution Limits As announced by the IRS, the contribution limit for 401(k) accounts will increase from $17,500 to $18,000 in 2015.  Those 50 or older also get an increase, with the catch-up contribution increasing $500 from $5,500 to $6,000.  That brings…
  • DR 119: Advanced Social Security Benefits Strategies–Interview with Marc Kiner

    Rob Berger
    22 Oct 2014 | 4:18 pm
    One of the most important and confusing decisions retirees must make is how and when to claim social security benefits. There are countless things to consider including age to start taking benefits, whether you’ll continue to work, spousal benefits, and full retirement age. For that reason, I asked Social Security benefits expert Marc Kiner to be a guest on the Dough Roller Money Podcast. Marc is a founder of the National Social Security Advisors and an owner of Premier Social Security Consulting. We cover a lot of key strategies for taking Social Security benefits: Why more than 90% of…
  • DR 118: 9 Actionable Tips to Help You Stick to Your Investment Plan

    Rob Berger
    20 Oct 2014 | 6:52 am
    It’s advice we hear time and again–stick to your asset allocation plan. Whether the stock market is reaching new highs are new lows, don’t change your investments apart from rebalancing. It’s the kind of advice that is simple to understand, but difficult to follow. In fact, a lot of investors don’t follow this advice. In my column at Forbes, I recently published an article on the benefits of a falling market. The research I did for that article underscored just how much investors lose out of fear (selling when the market is down) or greed (buying when the market…
  • DR 117–Cheapest Place to Buy a iPhone 6

    Rob Berger
    16 Oct 2014 | 10:55 am
    The release of the iPhone 6 and iPhone 6 Plus raises an important question–is the iPhone 6 worth the cost? While nobody can answer that question for you, I decided to pull together as much information as I could on how to find the best deal on the 6 and 6 Plus. What a headache. What I thought would be an easy research project turned into numerous online chats with cell phone carriers and even a visit to a Verizon Wireless Store. Good grief! I encountered conflicting information online. Contract terms were confusing. There are special deals if you have one line only. There are other…
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    Hustler Money Blog

  • KeyBank Checking Review: $250 Bonus Promotion

    Hu$tler
    27 Oct 2014 | 5:30 pm
    KeyBank is offering another $250 checking promotion with offer code RETB1014 good until December 5, 2014. Make sure to have at least one direct deposit of $500 or more within 60 days of account opening to trigger the $250 bonus. With the Key Express Checking, you’ll get no monthly Maintenance Service charge when you have direct deposit at least $500. Account holders have  no monthly debit card fees along with free access with Online Banking, mobile apps and text banking. You’ll earn points with KeyBank Relationship Rewards program. Important: The offer code is RETB1014 but many…
  • Citi AAdvantage Platinum Select MasterCard Review

    Hu$tler
    27 Oct 2014 | 6:54 am
    Choosing a credit card can be an overwhelming process, hence it’s important to pick the the right credit card. The NEW Citi® / AAdvantage® Platinum Select® MasterCard® gives members up to 50,000 American Airlines Advantage bonus miles and 2 Admirals Club® One-Day Passes after spending $3,000 in purchases within the first 3 months of account opening. You’ll enjoy perks on every flight such as First checked bag free for you and four travel companions, Group 1 Boarding gives you extra time to prepare for your flight, save 25% on eligible in-flight purchases on American Airlines…
  • Motif Investing Review: $100 Referral Bonus

    Hu$tler
    24 Oct 2014 | 12:42 am
    Want to earn a $100 bonus using my Motif Investing referral link? Simply open a Motif Investing non-retirement account with at least $1,000, make your first Motif trade, then we will both earn a $100 bonus. A motif consists of up to 30 stocks, ranging from Biotech Breakthroughs to Healthy and Tasty, costs only $9.95 per trade. You could also customize motifs any way you like – add or delete stocks and even change weightings. Once your first motif trade is executed, we’ll both each receive a $100 credit to our Motif Investing non-retirement accounts – or a $100 Amazon gift…
  • Banana Republic Coupons, Discounts, and Promo Codes: Save Up To 70%

    Hu$tler
    23 Oct 2014 | 2:21 pm
    Find all the best Coupons, Discounts, and Promotion Codes to save up to 70% Off when shopping at BananaRepublic.com. Use Offer Code BRSHOPNOW to get 50% off on Banana’s regular and 50% off sale items. The promo code expires 10/25/2014 Banana Republic Coupons, Discounts, and Promo Codes A member of the Gap brand since 1983, Banana Republic is the premier popular clothing chain of over 600 stores in North America, Asia and Europe. Known for its high-end styles at affordable, mid-range prices, Banana Republic is a one-stop-shop for commercially tailored suits, business attire and cocktail…
  • U.S Bank FlexPerks 3,500 Bonus Points Promotion

    Hu$tler
    23 Oct 2014 | 2:16 pm
    Those with a U.S. Bank FlexPerks Business Travel Rewards Visa® card ( 20,000 Bonus FlexPoints) or the regular FlexPerks card, you can earn 1,000 points for registering an account with Visa Checkout good until November 30, 2014. No requirement to shop with the account. You could also earn another 2,500 bonus points for $2,000 spend between November 1 and December 31, 2014. Registration required. Register today at flexperkspromos.usbank.com or by calling 866-951-8219, enter your FlexPoints number and promo code 37852. For the personal FlexPerks card, you can get 3x the points on charitable…
 
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    Personal Finance News

  • UniAction Raised $25,000 for 60 Million Girls Foundation

    ACN Staff
    30 Oct 2014 | 9:44 pm
    UniAction organized its first banquet to benefit 60 million girls Foundation on Saturday September 13th, 2014, at the Restaurant Chez Chine – Holiday Inn Select Montreal Downtown. LIGHTNING RELEASES (10/30/3014) – With distinguished guests, Wanda Bédard, founder of 60 million girls, and olympic medalists, Joannie Rochette and Jennifer Jones, our guests enjoyed a ten course […]UniAction Raised $25,000 for 60 Million Girls Foundation was created by and is property of American Consumer News.
  • On November 4, Vote with Knowledge not Misinformation!

    ACN Staff
    30 Oct 2014 | 9:44 pm
    LIGHTNING RELEASES (10/30/2014) – Richard I. Fine, Ph.D., Chairman, Campaign for Judicial Integrity states: “Don’t be misled by California judicial recommendations or endorsements concealing judicial corruption. A corruption free judiciary is far more important than the political or social philosophy of a corrupt judge. All Supreme Court and Court of Appeal justices seeking retention on […]On November 4, Vote with Knowledge not Misinformation! was created by and is property of American Consumer News.
  • Dragon Financial Reports 8 Years of Successful Growth

    ACN Staff
    30 Oct 2014 | 9:28 pm
    A local financial services company uses high tech innovation to accelerate its growth LIGHTNING RELEASES (10/30/2014) – Dragon Financial Inc. of Tigard, Oregon is not just another financial servicing company. With over eight years of successful growth under their belt this company is clearly doing something right. What makes Dragon Financial stand out from among […]Dragon Financial Reports 8 Years of Successful Growth was created by and is property of American Consumer News.
  • Encore Energy Provides Operations Update for Its 30-Well Oil Program and Horizontal Project(s) Planned for Western Kentucky

    ACN Staff
    30 Oct 2014 | 9:27 pm
    LIGHTNING RELEASES: Bowling Green, Kentucky (10/30/14): Encore Energy announced today that the Company is currently drilling wells #11 – 14 of 30 wells in Western Kentucky, each well targeting multiple shallow oil formations. The Company currently has 8 wells producing oil from multiple formations located at three lease locations with 2 wells in completion. The […]Encore Energy Provides Operations Update for Its 30-Well Oil Program and Horizontal Project(s) Planned for Western Kentucky was created by and is property of American Consumer News.
  • 18-And-Under Golfers to Play in Local Washington State Trusted Chice Big “I” Tournament

    ACN Staff
    30 Oct 2014 | 1:54 pm
    TRUSTED CHOICE® BIG “I” LOCAL WASHINGTON STATE QUALIFYING TOURNAMENT OPEN TO LOCAL JUNIOR GOLFERS 18-AND-UNDER. LIGHTNING RELEASES: Blaine,WA (10/30/2014) — Junior golfers 18 years old and under are eligible to participate in the local Washington State qualifying tournament of the Trusted Choice® Big “I” National Championship being held at June 20-21, 2015 at Semiahmoo Golf […]18-And-Under Golfers to Play in Local Washington State Trusted Chice Big “I” Tournament was created by and is property of American Consumer News.
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    Cash Money Life | Personal Finance, Investing, & Career

  • Moving and Banking: Do You Change Things Up When You Move?

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

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

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

    Kevin Mercadante
    12 Sep 2014 | 5:40 am
    This article was originally published on Cash Money Life | Personal Finance, Investing, & Career at How to Find Ideas For a Part-time Business. Millions of people dream about starting their own businesses. But dreaming is usually as far as it goes. Risk, fear the unknown, and fear of failure often stop them in their tracks. But there is a way to spread your entrepreneurial wings that will largely remove that uncertainty, and that’s to start a part-time business. That will enable you to start your business while you still have a paycheck from your job. It will also give you the time that…
  • How Learning “Math for Life” Can Help You Make Better Financial Decisions

    Miranda Marquit
    10 Sep 2014 | 12:58 pm
    This article was originally published on Cash Money Life | Personal Finance, Investing, & Career at How Learning “Math for Life” Can Help You Make Better Financial Decisions. When I graduated with my Master’s in Journalism, I thought I was going to focus mainly on science writing. And, in truth, that’s what I did at first. I wrote for a physics web site, got a gig as a technology and science columnist for my local newspaper, and I even wrote some small pieces for Discover magazine. I had been a physics major in a former life, and I’ve always been interested…
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    Grad Money Matters

  • How To Be a Better Manager

    GMM
    27 Oct 2014 | 2:00 am
    Being a better manager can help you advance at your company, it can earn you a raise, it can help grow your company, and more. Due to all of those great reasons, I’m sure you want to work towards being a better manager. Below are my tips to become a better manager today.Listen.A good manager will listen to the people that he or she works with. You should listen to their new ideas, listen to their problems, and listen to what they are saying.Contribute.As a manager, you should always be contributing to your team. I have seen way too many managers who abuse their power and don’t do…
  • How To Be The Best Babysitter

    GMM
    22 Oct 2014 | 2:00 am
    I used to babysit when I was younger, and it was a great time. It was also a great way to make extra money. I always tried to be the best babysitter I could be, and I think more and more babysitters, nannies, and caretakers need to have this same motivation.Be on time.First off, you need to make sure you are always on time to any of your babysitting gigs.You don’t ever want to be late, because the parents most likely have to be somewhere and you don’t want to ruin their night and cause them to be late just because you weren’t paying attention to the time.Have fun.Always…
  • Should You Go Back To School?

    GMM
    20 Oct 2014 | 1:30 am
    For some people, going back to school is an easy answer. For others, they just are not sure. It can be hard to determine if you should go back to school, as it can be a long and expensive process.So, how do you decide if you should go back to college? Here are different things you may want to think about:What would you go back to school for?While it would be nice to just go back to school and not think about money, school is expensive so you may be able to save money by knowing what you want to go to school for.This way you are not wasting money on classes you do not need or colleges that do…
  • 4 Ways To Save Money Around The House

    GMM
    16 Oct 2014 | 2:00 am
    I’m always looking for ways to save money. No, this does not make me cheap. Instead, I like to think it makes me frugal and a smart shopper. I won’t go too out of my way to save money, because I know that my time is worth money as well. I like to find ways to save money that will continually save me money into the future, or something that will save me enough money to justify the time I have to spend in order to save a certain amount of cash.Below are four money saving tips so that you can keep as much cash in your pocket as you can.1. Keep your windows open this fall as long as…
  • The Correct Approach To Asking Your Boss For a Raise

    GMM
    13 Oct 2014 | 2:00 am
    If you are looking to increase your income, then asking for a raise may be one of the first steps you take in order to do so. Saying that you will ask for a raise is much easier said than done though. It can be hard to do this, let alone wondering whether your boss will accept your raise request or reject it.Below are tips to take the correct approach to asking your boss for a raise.Keep record of your accomplishments over the past year.If you are asking for a raise, then I hope you are a good employee. You should always be keeping track of how you’ve been doing the past year and any…
 
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    The Wisdom Journal

  • Construction Business: Give it a Go or Just Say No?

    Ron Haynes
    22 Oct 2014 | 9:01 am
    Mark Brandon has been working in the construction industry for several years. He shares his own experiences, as well as the knowledge he has learned from other professionals working in the same field at Safe and Sound Property Inspections and in websites such as this one. In this article, he talks about things to consider when putting up a construction business. Is one good break is all you need for a construction business to make you earn loads of cash? Nope, construction business ideas are not particularly born with the thought of being engaged in small stints. Most of the entrepreneurs…
  • 52 Tips to Make Your Home Irresistible to Buyers

    Ron Haynes
    16 Aug 2014 | 2:15 am
    If you’ve taken the plunge and decided to sell your home, a little “sweat equity and elbow grease” can help seal the deal, seal it more quickly, and at a higher price. The longer your home sits on the market, the more people will think there’s something wrong with it or think that the price is too high. And although right now may or may not be the best time to sell your home, you can take these steps to make it irresistible to what buyers ARE out there. The key is to make your home as appealing and irresistible to as many buyers as possible: How to Boost Your…
  • 12 Networking Opportunities You Cannot Afford To Miss

    Ron Haynes
    26 Jun 2014 | 8:00 am
    In a previous article on networking mistakes, I addressed several of the stumbling blocks that many people encounter when beginning to network. But to make those mistakes, you have to at least get started! This article addresses 12 potential avenues for networking that you may have overlooked. There’s no better job search or career exploration strategy than networking. Deciding to use networking is a wise decision for your career and your own personal development. But too many people think of networking as a stressful event, attending some boring get togethers with old guys that smell funny…
  • 8 Retail Ripoff Tactics

    Ron Haynes
    30 May 2014 | 7:00 am
    Think you’ve seen every retail ripoff? Think again. Here are 8 common tactics used by retailers and car dealers to separate you from your hard earned dollars. Read these and be prepared for the next time! 1. Warranty scare tactics. An extended warranty may or may not be a good idea depending on the product purchased, it’s history, the planned usage, and the original price paid for it. Extended warranties are cash cows for the companies that sell them and are one of the top retail ripoffs. The Washington Post says that only 20% of the money spent on extended warranties ever goes to…
  • Is Refinancing My Car Loan Worth My Time?

    Ron Haynes
    20 May 2014 | 3:00 am
    As the prices of automobiles continue to increase, most buyers today consider it inevitable they will have to take out a loan to purchase their dream vehicle. However, the downside of a car loan is often the amount of the monthly payment as well as the length of the loan. Because many of today’s loans extend up to eight years, at some point it may make sense to consider a car refinance loan. While this sounds like a good idea to many, others wonder if it is worth the time it will take to gather the information and work out the details. For those who do so, the work usually results in…
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    Everybody Loves Your Money

  • Link Love – 10/31/14

    Alexa
    30 Oct 2014 | 9:15 pm
    Happy Halloween! I took my kids trick or treating last night and it was freeeezing! It always seems to work out like that. Do you have any big plans for the weekend? The girls and I are going to see Disney on Ice Sunday and I can’t tell you how excited I am. I know this will be a memory they don’t forget :) As usual here are some of my favorite posts from around the blogosphere: How Do You Pay Off So Much Debt on a Low Salary? @Dear Debt 26 Awesome Halloween You Tube Shows for Young Kids @Humble in a Heart Beat How to Meet Any Financial Goal You Set for Yourself @Add-Vodka…
  • 7 Frugal Halloween Activities

    Alexa
    28 Oct 2014 | 9:15 pm
    I don’t know if I can say that Halloween is my favorite holiday, but I can definitely tell you that I’m a horror movie junkie. I don’t watch TV a lot but if I do you can pretty much count on the fact that it will be a scary movie. (BTW, the best horror movie I’ve seen so far this year is “We Are What We Are.” Have you seen it yet?) In honor of Halloween I decided to do a roundup of seven frugal Halloween activities you can partake in this weekend. # 1 – Host a Scary Movie Marathon You knew this was going to be number one my list, right? But seriously, go rent some DVDs or check…
  • 5 Ways to Combat Consumerism in Your House

    Alexa
    26 Oct 2014 | 9:15 pm
    I was on an organizing kick this weekend. It started with my car Friday and by Sunday I had went through everything in the house. It felt good to get rid of so much junk, but it was also a bit embarrassing. The problem area in my house is toys. Sometimes it feels like the sheer amount of toys my two girls have prevent the house from ever being truly organized and clean. This weekend we decided to change that. The girls and I went through every single toy in our home. We kept some, bagged some up for a yard sale, and threw away A LOT. In fact, by the time we were done we had six trash bags…
  • Link Love 10/24/14

    Alexa
    23 Oct 2014 | 9:15 pm
    Good morning. Hope you had a good week! In case you’re in need of some weekend reading here are some of my favorite posts from around the blogosphere this week. Enjoy! Money Advice I Would Tell My Younger Self @Making Sense of Cents How Much Do Teachers Really Make? @Eyes on the Dollar 9 Reasons Why I Always Choose Aldi @Retired By 40 Blog 5 Things I Learned From Buying My First Home @Modest Money The Best and Worst Budget Cuts When Getting Out of Debt @Luke1428 Have a good weekend!! The post Link Love 10/24/14 appeared first on Everybody Loves Your Money.
  • Money in Your Twenties – 5 Things You Should Know

    Alexa
    21 Oct 2014 | 9:15 pm
    My twenties are quickly coming to a wrap. (Seriously, where did the time go?!) And while I was lucky to fall in love with personal finance at a young age that doesn’t mean that I haven’t made my fair share of personal finance mistakes. Here are the five things you should know about money in your twenties. Kill Your Consumer Debt and Stay Away From It I’m not a person to say that all debt is bad. But consumer debt? You bet. If you haven’t already, avoid credit cards. If you want to use one to build your credit then make sure you are paying your balance in full each month. It’s really…
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    CreditCards.com

  • Card hacking tops list of crime concerns

    Sienna Kossman
    29 Oct 2014 | 6:00 am
    Violent crimes don't worry consumers nearly as much as credit card data theft.In fact, the majority of consumers are more afraid of falling victim to a retail data breach than getting burglarized, mugged or even murdered, according to a new Gallup survey.Sixty-nine percent of 1,017 U.S. adults surveyed by Gallup say they frequently or occasionally worry that the credit card information they've shopped with will be stolen by data hackers. The only other crime that concerns more than half (62 percent) of adults is a smartphone or computer hack resulting in stolen information by an unauthorized…
  • Money lessons I learned from a medical bill snafu

    Karen Haywood Queen
    27 Oct 2014 | 3:00 am
    Numerous studies show that paying cash can save you money compared to paying by credit card. But as with every rule, there are exceptions. I was reminded of that again recently when I received a bill from my 17-year-old daughter's chiropractor. The bill  was confusing on multiple fronts. There were actually two bills, one for $66 and one for $180 without any explanation. The bill also wasn't clear whether insurance claims had been paid or rejected. Further, the bill did not note any times my daughter didn't pay the required insurance co-pay. Since I knew that my daughter…
  • Building credit through rent payments rare

    Kelly Dilworth
    24 Oct 2014 | 11:09 am
    A striking number of renters are still confused about what's included in their credit reports, according to a new study from the credit bureau TransUnion. According to the survey, 48 percent of renters think their rental payments are automatically added to their reports. More than half -- 54 percent -- think their utility payments are also regularly reported. Meanwhile, just over 50 percent mistakenly think their cellphone and cable/Internet payments show up on their reports as well. On-time utility payments typically aren't reported. Neither are cellphone or cable payments. Instead, most…
  • Obama's credit card spurned by NYC eatery

    Jay MacDonald
    17 Oct 2014 | 1:12 pm
    OK, show of hands: How many of you would have the crust to reject a credit card presented for payment, in person, by a fella named Barack Obama? It happened recently to the President of the United States of America. While in New York City Sept. 24 to address assembled world leaders, the most powerful man in the world had his credit card spurned at a New York City eatery. President Obama recounted the moment Friday in a humorous aside to Consumer Financial Protection Bureau director Richard Cordray during a press conference in Washington while signing an executive order to help protect…
  • Student loan refis not for everyone

    Kelly Dilworth
    17 Oct 2014 | 5:00 am
    As 2014 winds down, the six-month grace period for student borrowers who graduated in May is fast approaching, causing many recent grads to panic over how they're going to repay their student loans. Some well-intentioned commentators are advising student borrowers to consider refinancing their loans with a private lender, which could potentially save them a bundle on interest. But as The Washington Post's Danielle Paquette recently pointed out, the borrowers who are most in need of help are unlikely to qualify for the best deals. "Refinancing, proponents say, is especially attractive as the…
 
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    One Frugal Girl

  • Grocery Store Policies: Inaccurate Pricing

    One Frugal Girl
    30 Oct 2014 | 1:49 pm
    This morning, while I was out running other errands, I dropped into a nearby grocery store to purchase jelly for my son’s school lunches. I visited this store once or twice before, but I’m not particularly familiar with the store layout or the brands available for purchase. The jelly jars were actually segmented into two different sections of the aisle. For the record it took me a little while to figure this out. The first set of shelves contained the common brands like Smucker’s and Welch’s. The second area, which was located a shelf or two to the right, contained…
  • Tuesday Night Link Love

    One Frugal Girl
    28 Oct 2014 | 2:35 pm
    A few recent articles and posts… Real Love is a Choice On women, pressure, and inadequacy Want a successful career? Look for this trait in a spouse Having Enough Why You Should Stop Saying “I Can’t Afford That” How to deal with sentimental clutter … I really enjoyed! Photo Credit
  • Thank You Gifts: When Do You Give Them?

    One Frugal Girl
    26 Oct 2014 | 6:09 pm
    Once or twice a year my dad invites a few of his friends down south to spend five or six days at our beach house. My parents always arrange the date around a convenient time for us. In essence, they make certain that we won’t have a need or desire to stay at our house during that time. My husband and I are happy to share the house with my parents and their friends and because they stay during the off season we’ve never asked them for a rent check or any other form of payment. My parents typically invite three other couples to the beach with them. The first year two of the couples…
  • Bargain Shopping Fail

    One Frugal Girl
    23 Oct 2014 | 2:31 pm
    My son has been sick three times since starting preschool a little over a month and a half ago. Every time he gets sick he seems to pass those lovely germs on to the rest of us. I’ve gotten sick three times in that same span of time. My husband managed to avoid this last cold, but caught the prior two. Luckily our little guy recovers quickly, typically within a day or so, but the symptoms seem to linger in me for days on end. This time around my runny nose has turned into a deep and violent cough, which wakes me from my sleep every hour or so. After a particularly rough night my husband…
  • A Three Year Old Birthday Party and Sticking With My Minimum Gift Rule

    One Frugal Girl
    20 Oct 2014 | 10:04 am
    After much contemplation I decided against a big party for my son’s third birthday. We invited our families to the celebration but chose not to invite any of my son’s friends. I am so happy we took this approach. We don’t see my brother’s children very often and it was great to see my son playing along side his two older cousins without any distractions from other children. Rather than focusing on a large celebration we spent time baking a cake with my son. He helped measure, add the ingredients, mix and even pour the batter into the pan. Once the cake cooled we let…
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    My Dollar Plan

  • Mr. Rebates Cashback and $5 Sign Up Bonus

    Madison
    30 Oct 2014 | 5:53 am
    We’re continuing our holiday cash back series with another great program, Mr. Rebates. Cash back sites are especially lucrative around the holidays if you do any online shopping. Mr. Rebates is one of my favorite cash back sites. I love that they keep a “Lifetime Account Balance at Mr. Rebates” to see your running total. To date, I’ve earned over $5000 with Mr. Rebates! How’s that for a great cash back program? How to Get Your Mr. Rebates Sign Up Bonus Sign up for a Mr. Rebates account. Make your first purchase. Earn a $5 bonus. How to Earn More Bonus Money You…
  • This Month’s Most Popular Finance Tips: October

    Madison
    29 Oct 2014 | 6:11 am
    This month our favorite finance discussion topics were ways to make extra money in your spare time, even more ways to earn money, becoming a millionaire, an overview of your financial pie chart, ways to cut costs, including saving money on haircare, earning cashback with the new Target Prepaid Red Card, and things you should know before you get laid off. If you missed the most popular finance tips this month, here’s a quick overview: This Month’s Most Popular Tips: October 8 Simple Ways to Make Extra Money in Your Spare Time. Have old jewelry you don’t wear anymore? Kristen…
  • 12 Inexpensive Christmas Gifts Under $20

    Amanda
    28 Oct 2014 | 6:43 am
    Our holiday gift guide series continues with inexpensive gift ideas. Most of these versatile gifts will work for various people on your list. Are you looking for inexpensive Christmas gifts for Secret Santa gift exchanges this year? Perhaps you have a long list of friends and family members you want to get great gifts for, but on a budget. Maybe you don’t even have a budget, but you have no idea what to get that one person who seems to have everything. Look no further! I’ve pulled together twelve unique gift ideas that are all under $20. Be sure to share your own suggestions for…
  • 6 Ways to Make Money Organizing Your Clutter

    Kristen
    27 Oct 2014 | 7:32 am
    After working all week, sometimes the last thing I feel like doing is cleaning. I’d rather be going out to do something fun. That is until I realized that cleaning and organizing can actually earn me money and stop me from spending more. And making more money equals a chance to have more fun. Cleaning and organizing stops me from spending more money because it allows me to see what I already have. Going through my closet lets me see clothes and accessories I have forgotten all about since it was too cluttered. Whether it’s tools in the garage, toiletries in the bathroom, or cans in the…
  • Discover Cashback Checking $50 Sign Up Bonus

    Madison
    24 Oct 2014 | 7:59 am
    After earning $1450 Cashback from Discover recently, anything with a Discover bonus catches my eye. With Discover on my mind, I was pleased to find a Discover Cashback Checking $50 bonus offer in the mail. Normally, it would have gone straight to the recycle bin! The Discover bank checking account also offers rewards in addition to the sign up bonus. How exciting for Free Money Friday! How to Get Your $50 Sign Up Bonus To be eligible, you first need a Discover card or Discover bank account to qualify. Open a new Discover Bank checking account by December 15, 2014. Keep your account open until…
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    MoneyCrush

  • Selling on Amazon FBA: My Personal Experience

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

    Jackie Beck
    20 Oct 2014 | 5:00 am
    Some parents may not consider allowing their young teen to get a checking account at all, but there are valid reasons why it can be good for them to have one. A checking account can teach them how to use ATM cards, debit cards, and even checks responsibly while they are still under your direct supervision (as opposed to when they go off to college and aren’t…) Consider the following factors when deciding when your teen should get a checking account. 1. Their age. At least in the U.S., a teen can’t have “signing privileges” on an account until they are at least…
  • On Investing: Risk Could be Almost Entirely Optional

    T. Miller
    13 Oct 2014 | 5:00 am
    This post is from an evangelist of an investment method called valuation-informed indexing (VII). The post compares and contrasts that method with the more traditional buy-and-hold method, talks about the potential impact on retirement, and points out that investors have a choice about how much risk they want to take on. Investing research affects the lives of millions in intensely personal ways. We don’t get a second chance to decide on an investing strategy. Most of us have available to us about 40 years (from age 25 to age 65) to finance our retirements. The trouble is, there are…
  • Find Your Money-Making “Something”

    Jackie Beck
    6 Oct 2014 | 5:00 am
    When it comes to being successful and making more money, sometimes it’s hard to know exactly where to start. What if you don’t know what you’re good at, or are stumped for ideas? You know you want to do “something”, but aren’t sure what would be a good fit for you. Here are five questions that can help you figure out your money-making something. 1. What do you like to do in your free time during the week? Is that something you’d enjoy getting paid for? For example, maybe you’re a huge fan of a certain TV show, and you watch it all the time.
  • Signing up for Obamacare: My Experience

    <a href="https://plus.google.com/103781879383456582208?rel=author">Jackie Beck</a>
    29 Sep 2014 | 5:00 am
    Signing up for Obamacare on HealthCare.gov during their Special Enrollment Period was a big part of what made quitting my job possible. (Open enrollment for 2015 starts November 15, but I didn’t need to wait for that because I met the qualifying event rules.) Applying for coverage I was a little nervous about applying for coverage after all the crap I’d heard on the news last year, but seriously? It was the easiest insurance enrollment I’ve ever done. I just had to create an account, answer a few questions that showed I qualified for the special enrollment period, and pick a…
 
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    Million Dollar Journey

  • How Much Does Electricity Usage Cost?

    FrugalTrader
    27 Oct 2014 | 4:30 am
    Winter is approaching which means the refreshing crispness in the air will lead to higher heating costs.   For the most part, modern houses built in Newfoundland use electricity for heat, whereas places like Toronto, use natural gas.  Even if you don’t use electric based heat, you likely use electricity for your washer/dryer, dishwasher, refrigerator, stove and the power hungry hot water heater.  But how much does it really cost you? The first step is to figure out how much your local electric utility is charging you for electricity.  In NL, the current local rate is around…
  • Stock Market Momentum, Market Volatility, Investing with Conscience, Emotional Side of Retirement and more!

    FrugalTrader
    24 Oct 2014 | 4:30 am
    Reminder, this free promo will expire at the end of this month! For a limited time, Market Club is offering a free 2-week trial on their stock trading tools (reg $8.95/trial then $59/month). What makes it even better is that no payment information is required, so no need to cancel your payment after the free trial. More info here. Ever think of stock market movements as an airplane in motion? Michael James on Money has a few words for you through Stock Market Momentum. Charitable contributions have more than just the emotional benefits. Learn how to Make the Most of Your Money: Investing Your…
  • Getting Exposure to the Canadian Energy Industry

    FrugalTrader
    20 Oct 2014 | 4:30 am
    With oil prices falling to 52 week lows,  energy company stock prices are following suit with their own aggressive decline.  These low prices are bound to attract value investors like a number of readers that have recently contacted me. The main theme of the questions are: “how do I obtain exposure to the Canadian energy sector?” One thing to clarify, any investor who has exposure to the Canadian stock market index has exposure to the Canadian energy sector. Approximately 25% of the TSX index are energy companies.  But what if you want  concentrated energy exposure?  There…
  • Starting or Growing a Business? Take Advantage of Business Support Organizations

    Clark
    16 Oct 2014 | 4:30 am
    In previous posts, we looked at different business models and how to write a business plan to aid entrepreneurs. In addition, having a helping hand during the initial start-up phase and subsequent operational stage of a business will go a long distance in paving the way for a successful venture. This post will look at some of the non-financial support avenues available in Canada; for financial support programs, please refer to the following older posts: Canada Small Business Financing Program Government-funded Business Financing Programs Canadian Chamber of Commerce As is well known, the…
  • How To Survive On Only $100 a Month in Groceries

    Sean Cooper
    14 Oct 2014 | 4:30 am
    In my recent article in the Globe and Mail, I’m on track to be mortgage-free by 31, the most common question I received was how I could possibly survive on only $100 a month in groceries. If your family is like most, groceries are your second highly household expense behind mortgage or rent. Although Canada’s annual inflation rate was only 2.1 per cent in August, it seems like prices at the supermarket are rising a lot faster. Not only are prices higher, packages are being downsized, as consumers are being asked to pay more for less – what a concept! It’s enough to make you want…
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    Bible Money Matters

  • It’s Never Too Late To Save for Retirement, And No Amount Is Too Small

    Melissa
    28 Oct 2014 | 9:43 am
    Too often people don't save for retirement because they feel they don't have enough to make a difference. However, if you start with a small, manageable amount and gradually increase that amount as you're able, you'll be amazed how quickly the money adds up. The post It’s Never Too Late To Save for Retirement, And No Amount Is Too Small appeared first on Bible Money Matters and was written by Melissa. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • The Bible’s Warnings On Financial Foolishness

    Tim Fraticelli
    26 Oct 2014 | 4:50 am
    The bible gives a lot of advice on money. We can learn what we should do from these verses, and we can find instruction on what we should not do with money. The post The Bible’s Warnings On Financial Foolishness appeared first on Bible Money Matters and was written by Tim Fraticelli. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • 401k Contribution Limits And Rules For 2015

    Peter Anderson
    24 Oct 2014 | 9:13 am
    As they do every October, the IRS released their 401k contribution guidelines this week for the 2015 tax year. How much can you contribute in 2015? The post 401k Contribution Limits And Rules For 2015 appeared first on Bible Money Matters and was written by Peter Anderson. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • 2015 Roth IRA Updates

    Britt Gillette
    23 Oct 2014 | 9:06 pm
    Once again it's the time of year when the IRS announces changes to the Roth IRA contribution and income limits. So what's in store for 2015 for Roth IRA? The post 2015 Roth IRA Updates appeared first on Bible Money Matters and was written by Britt Gillette. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • Unboxing Of The Republic Wireless Motorola Moto X Smartphone

    Peter Anderson
    20 Oct 2014 | 9:43 am
    If you're looking for an amazing phone, with a great service, I'd highly recommend checking out the Moto X from Republic Wireless. Here's a full unboxing and review! The post Unboxing Of The Republic Wireless Motorola Moto X Smartphone appeared first on Bible Money Matters and was written by Peter Anderson. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
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    Canadian Personal Finance Blog

  • The Next Big Stock Market Crash ?

    bigcajunman
    29 Oct 2014 | 11:26 am
    Today, October 29th is the anniversary of the First Major Crash of the Stock Market, which was a large contributing factor to the great depression of the 30’s, and that begs the question, when is the next Big Stock Market Crash, and how can I prepare for it? How bad was the crash of 1929? The following useful 10 year graph might help: The crash and it’s follow on   Amazing stuff eh? I looked at this and was astounded what I didn’t know about this period. There was a short recovery in January 1930, and then everything went down from there It took a long time to get back…
  • RDSP with TD Waterhouse a Step in the Right Direction

    bigcajunman
    28 Oct 2014 | 4:02 am
    After being tipped to a change on Friday by a Twitter follower, I went to check out, and yes, TD Waterhouse has changed their RDSP (Registered Disability Savings Plan) account, so that an investor (or their proxy) can trade in the account with funds in the account on-line. Previously, you had to call the TD Easyline folks to change or trade securities, index funds or whatever in these accounts on the phone (only) to this is some very heartening news. Previously the RDSP Money Path (using Easyline over the phone) While I am very glad and wish to thank TD Waterhouse for taking this (small)…
  • Ottawa We Shall Remember, Bank of Canada and #BestThisWeek

    bigcajunman
    24 Oct 2014 | 4:11 am
    The week was going along just fine until the events of the 22nd showed that no matter how wonderful a place you live, there are always lunatics, and zealots who want to ruin it all. My thoughts and prayers go out to the families of the two brave young men, killed this week, let us hope their deaths are never forgotten, We Shall Remember. Glad to see the normal reserve of the Canadian TV Media, not wanting to report all the wild stories of the day on Wednesday, but when they started to report “American Claims”, that got a little worrisome. Keep it Classy CBC and CTV, we have a…
  • Redux: Real World Example: Kids Allowances

    bigcajunman
    23 Oct 2014 | 5:07 am
    Back in 2005 just when I was starting to blog, I never really knew what I was going to write about (nothing much has changed), so I wrote about the system I put in place to make sure that my kids got their allowances. I still do use these accounts to transfer money to my kids, and I have added a few comments of my own to the original article. Real World Example: Kids Allowances OK, so back to what this blog is about, real world financial ranting. I did rant a lot back then didn’t I? The 10 Bob Note When I was Young That Would Have Been a great Allowance For the longest time my wife and…
  • Tales of Financial Persistence

    bigcajunman
    21 Oct 2014 | 5:16 am
    Yesterday I was relentless in reaching my goal of erasing from my monthly bills one of the most embarrassing charges I could have, as a High Tech Financial Blogger, and that is paying for America On Line services. It all started in 1993 when I first joined AOL, and I got e-mail address awhit34109 AT aol.com . Back then we needed dial-up access to get to the Internet, and back then, it really wasn’t the Internet, it was just a bunch of Newsgroups and Forums all complaining about things (so not much has changed really). Back then AOL used to send you a CD every month (or every day) in the…
 
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    Early Retirement Extreme

  • What does being (early) retired mean?

    Jacob
    31 Oct 2014 | 6:59 am
    I have had some issues defining myself now that I can no just fling out a job title. First, I used the term “retired”, but then I got the impression that I was not allowed to do anything that earned me money; that I should essentially sit back and withdraw money from my savings. I then started using the term “semi-retired”. Of course, this implied that I still had to have some kind of job to sustain me, maybe working half-time or half-season; in that regard I have said that I was a “semi-retired ” depending on who I talked to. What it really means though is…
  • Pilaf: To really slash your grocery budget

    Jacob
    30 Oct 2014 | 6:56 pm
    I read once in Luxury Fever that it’s quite possible to get used to eating the same meal three times a day, day in and day out. As long as a diet is well-balanced, there’s no harm in repetition. I bet the reason that people are told to eat a varied diet is similar to the reasons behind index fund investing: If you’re clueless, eating a random selection which eventually averages out to whatever everybody else is reading is the most generic recommendation that’s likely not to harm you more than the average. Can you say corn syrup? The cheapest “base food” I…
  • Becoming less productive and less competitive

    Jacob
    30 Oct 2014 | 6:54 am
    Modern man has an endless fascination with productivity. There is always something that could be done faster or more effective. Productivity is not a natural state though. You do not see an animal trying to be more productive. It simply does its thing, takes what it needs and no more. Not humans, they always take more than they need or do more than they have to. Does this derive from competitiveness with productivity leading to promotion? If so, it is a tragedy of the commons. The reason is that productivity methods are soon copied by the competition and once that happens you have to work…
  • The two personal finance books that changed my life

    Jacob
    29 Oct 2014 | 6:51 pm
    I really like “Rich Dad Poor Dad” (The Cashflow Quadrant) and “Your Money Or Your Life“. While Your Money Or Your Life made me reevaluate whether an expense was really worth it, Rich Dad Poor Dad changed the way I thought about money. I must admit that prior to reading Rich Dad Poor Dad my whole mindset regarding money was that it was something I earned in order to spend. The more I earned, the more I could spend. Frequently when we are very set in a paradigm it is hard to see the alternatives. The idea of accumulating enough money to get the money to work for me…
  • How I learned to stop worrying and love the “end of the world”

    Jacob
    29 Oct 2014 | 6:48 am
    Long ago I used to believe in eternal human progress. I believed in the singularity. I believed that the future would eventually look something like Startrek. When I was 24 that got turned upside down. I’m not going to repeat all the arguments for the triad of overpopulation, climate change, and resource depletion here. Others have done a better job at that than I can. Suffice to say, having your world view turned over in a “doomfull” way is stressful. Furthermore, it is typically something you have to carry alone. Most people would rather stay in denial, put their fingers…
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    PFBlog.com: The Unique Personal Finance Blog Since 2003

  • Monthly Update - September 2014 ($1,836,880, +$21,587)

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

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

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

    webmaster@pfblog.com
    18 Aug 2014 | 3:33 pm
    We closed the month of June with a net worth increase of $16,499, or slightly below 1%. In the trailing 12 months, our net worth growth exceeded $220K, of 14.7%. Our household balance sheet, along with monthly, year-to-date, and trailing 12 months comparison, are shown below: READ FULL POST ... Read more posts like this from PFBlog.com, The Unique Personal Finance Blog Since 2003.
  • Monthly Update - May 2014 ($1,705,013, +$15,050)

    webmaster@pfblog.com
    8 Jun 2014 | 6:34 pm
    With another five-figure increase in the month of May, our net worth breached $1.7M for the first time. In the trailing 12 months, we grew our net worth by $197K, or 13.1%. Our household balance sheet, along with monthly, year-to-date, and trailing 12 months comparison, are shown below: READ FULL POST ... Read more posts like this from PFBlog.com, The Unique Personal Finance Blog Since 2003.
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    2million's Personal Finance Blog

  • GUL Cash Accumulation Fund

    2million
    19 Oct 2014 | 5:26 pm
    I have never spent much time studying life insurance. When prompted I've generally followed the common personal finance rule of thumb to buy term life insurance vs whole life, universal, etc. However, given my chronic health condition (diabetes), I found it convenient and cheaper to utilize a Group Universal Life Insurance benefit at work where I could purchase a limited amount of life insurance for myself without having to go through insurance health questions. With my recent employment change I found myself enrolling with the new employer's GUL benefit and assessing the insurance policy's…
  • September 2014 Net Worth Update (-$14,957)

    2million
    7 Oct 2014 | 10:44 am
    Highlights for SeptemberBetween my wife and I we have earned approx $3,000 (in gift cards, points, and miles) through 6 credit card signup bonuses this 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 and doing some round trip transactions via Amazon payments. Our properties are listed on our balance sheet…
  • Free Museum Day 2014

    2million
    27 Sep 2014 | 8:07 am
    The Smithsonian Magazine is holding Museum Day on 9/27/2014 (today!) which is a great opportunity to get 2 free tickets to any participating museum. You can sign up for free museum tickets here. Also, it is National Public Lands Day and the Park Service is offering Free Entrance for Select US National Parks on 9/27 (today!).
  • August 2014 Cash Flow

    2million
    5 Sep 2014 | 2:11 pm
    Well its been nearly 2 years since I sat down and did a scrub of our monthly cash flow. I use to do this regularly w/ MS Money, but now I find it painful to do. Its a lot more complicated with all the puts/takes and I'm just not that happy with Mint's ability to help me bucketize expenses. Still I need to do this periodically as its useful to see how our hard earned money is being consumed. The best way for me to use this is to compare to some of my previous monthly reports - the last one I have was from our November 2012 cash flow and August 2012 cash flow. Some things that caught my eye:…
  • August 2014 Net Worth Update (+$32,704)

    2million
    3 Sep 2014 | 5:14 pm
    Highlights for AugustBetween my wife and I we have earned approx $3,000 (in gift cards, points, and miles) through 6 credit card signup bonuses this 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 and doing some round trip transactions via Amazon payments. Our properties are listed on our balance sheet based…
 
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    FIRE Finance

  • Happy Halloween

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

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

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

    22 Sep 2014 | 8:48 pm
    Sep 22, 2014: We wish you a joyful Fall ahead :). According to the U.S. Naval Observatory, officially it began at 10:29 p.m. EDT during the autumnal equinox, when the sun crossed directly over the Earth's equator and both day and night were about equal. Fall will last three months and end on December 20th. Fall comes with some spectacular foliage and colors. Nature takes on another form with Click on the post title to continue reading .....
  • Happy Labor Day

    1 Sep 2014 | 11:11 am
    Sep 01, 2014: We wish you a wonderful Labor Day. Hope your long weekend went well :). Ours was spent in de-cluttering our household. This year our focus has been to reduce consumption, so we refrained from buying stuff through "Labor Day Sale" promotions. It feels great to get rid of stuff! Coming back to Labor Day and its history, here is a short quote: Traditionally, Labor Day is celebrated Click on the post title to continue reading .....
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    Personal Finance Resources

  • The Theoretical Aspects of How Much Insurance Should One Have

    Team RupeeManager
    18 Oct 2014 | 3:43 am
    It is difficult to put a price tag/value on anyone’s life. However to buy insurance you have to first answer the question of how much insurance should one have. So to put a price to your life, it is important … Continue reading → The post The Theoretical Aspects of How Much Insurance Should One Have appeared first on Personal Finance Resources.
  • Measurement of Risks and the tradeoff with Returns

    Team RupeeManager
    17 Oct 2014 | 4:20 am
    The risk return trade-off is based on the principle that potential return rises with an increase in risk. Low levels of uncertainty (low-risk) are associated with low potential returns, whereas high levels of uncertainty (high-risk) are associated with high potential … Continue reading → The post Measurement of Risks and the tradeoff with Returns appeared first on Personal Finance Resources.
  • How to Complain against Investment Frauds

    Team RupeeManager
    16 Oct 2014 | 2:33 am
    If you have a complaint, you should first try to contact the person or company that is the cause of your complaint. You might be able to resolve your problem more quickly by speaking to them directly rather than waiting … Continue reading → The post How to Complain against Investment Frauds appeared first on Personal Finance Resources.
  • Useful Platform for Mutual Fund Investors: MFU

    Team RupeeManager
    15 Oct 2014 | 12:12 am
    Mutual Fund Utility (MFU), a shared platform being built by the mutual fund companies in India, is being launched soon. MFU offers convenience and empowers the investors of Mutual Fund schemes. As on date 25 AMCs (Asset Management Companies or Mutual … Continue reading → The post Useful Platform for Mutual Fund Investors: MFU appeared first on Personal Finance Resources.
  • Tracking Apps for Your Finance on Mobile

    Team RupeeManager
    14 Oct 2014 | 11:47 pm
    It is a great idea to use some of the productivity apps on your mobile that can help you with your personal finance. And once you start tracking your finances, you will be able to make continuous improvement in money … Continue reading → The post Tracking Apps for Your Finance on Mobile appeared first on Personal Finance Resources.
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    How I Save Money.net

  • Got Another Credit Card

    Lulu
    29 Oct 2014 | 6:43 pm
    I just got another credit card!!!! I did not ‘need’ a new card but I got the Amazon credit card because I shop so much at Amazon. I get gift cards from Swagbucks that I can use on Amazon so I have been doing a lot of shopping there. I kept seeing the Amazon credit card but ignored it because I earn cash back from using my other credit cards. Then I figured out I could earn 3% cash back by using the Amazon card…which is more than the 2% that I normally get from my regular cards. I will try it out for a few purchases to see what happens and if the rewards are worth it then I…
  • I Need Some New Food Ideas

    Lulu
    19 Oct 2014 | 9:47 pm
    I am currently stuck in a food rut. I keep saying that I want to add some new foods to my rotation but I go to the store and end up buying the same things out of habit. Well I end up putting the same things on my shopping list out of habit..and then I buy strictly from my shopping list. I am bored with the food that I eat now…really, really, bored. I want to try some new things but I have no idea where to start. Every recipe seems to have a ton of things that I don’t shop for on a regular basis and I feel like I will spend too much and wreck my budget, then end up with items I…
  • Messed Up My One Year Rolling Budget

    Lulu
    16 Oct 2014 | 7:13 am
    So I just messed up my one year rolling budget in Mint. It was an accident but it is still a little bit annoying. I got a new credit card…which I will talk about later and since I already had another card from the same provider I thought it would be easy to add it in Mint. I never thought that adding the new card  would have messed up my one year rolling budget but that is what happened. img. from rte.ie I tried to add the card in Mint but then I noticed that all my balances were way too high. Everything was red! I looked and noticed that all transactions from the first card had been…
  • Friday Finances: October 2014 Week 2

    Lulu
    9 Oct 2014 | 11:40 pm
    Every Friday I post about my finances for the week in an effort to monitor my income and expenses. I used to post all of the actual figures but I have recently decided to stop doing this. I will now post SOME of my actual expenses and leave the rest to your imagination. This week my expenses were: $50.47 for household items that were not food. I also made a partial payment on tuition for the semester and I have two more payments to make before the end of the semester. Luckily I can spread them out to put a portion on my credit card and pay it out of that month’s check so that I can avoid…
  • Friday Finances: October 2014 Week 1

    Lulu
    2 Oct 2014 | 9:41 pm
    Every Friday I post about my finances for the week in an effort to monitor my income and expenses. I used to post all of the actual figures but I have recently decided to stop doing this. I will now post SOME of my actual expenses and leave the rest to your imagination. This week my expenses were: $50.94 on gas since I was almost on empty. I filled up the tank to the top but my last trip to the gas station was one month ago so I am not worried about that large amount this month. This week my income was: $Paycheck! As I mentioned before we got a very small raise that allowed me to increase the…
 
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    Funny About Money

  • Terminally Lazy?

    funny
    30 Oct 2014 | 12:50 pm
    Lordie, it’s 12:30 in the afternoon and I’ve not scribbled a word. Have I arrived at end-stage laziness? Arose late this morning — quarter to six. Shot out the door to meet a colleague and fly across the city to this week’s bidness group meeting. I’d thought I wouldn’t be there to chair the get-together this morning, because I imagined I was supposed to be surged yesterday, not last Monday. Today I’m not only still kickin’, I’m full of ginger. Fortunately, I’d foisted the chair’s job on one of the other members, a person who…
  • w00t! Medicare to the Rescue!

    funny
    29 Oct 2014 | 8:32 am
    Damn, but getting old has its perks! Check out this statement from the august Mayo Clinic’s billing department: Previous Balance: $12,192.40 New Charges: $10,198.49 Payments/Adjustments: $21,645.40 Current Account Balance: $745.49 Insurance Claims Pending: $347.17 Personal Amount Due: $398.32 Medicare has covered the bulk of that, with Medigap coverage from Government Personnel Management picking up the slack. See that amount due? Right now a stack of checks from Medicare and GPM is sitting on my desk. They total a little over $600. I haven’t received a notice from GPM as to how…
  • House Paint: Is Eye-Searing White the New HOA Beige?

    funny
    28 Oct 2014 | 1:26 pm
    We’re told, by a publicity-seeking local developer, that the new style in renovations and infill is bright colors. Have you seen that in your part of the country? In fact, the latest fad among that set seems to be blinding white paint, so brilliant white it almost hurts your eyes to look at it. Three houses here in the ‘hood, one of them (pricey) new construction, now sport this startling new look. LOL! I suppose it would bounce the sun’s heat off. But ouch! And what will the thing look like after a year of dust storms and mud-slinging rain?  
  • Surprise Surgery!

    funny
    27 Oct 2014 | 1:50 pm
    Heh. I’ve been going along all this time — the past several weeks — thinking the next installment in the interminable series of surgeries was slated for the 29th: next Wednesday. Come Saturday, my son informed me that no, that was wrong: the actual day was the 27th. Called over to the Mayo and found yea verily, they had it scheduled for the first thing this morning. They actually had sent an “itinerary” — a scheduling form — but since I thought we weren’t due there till next Wednesday, I’d put off opening the envelope. One of the ways I…
  • Wine: In Search of Lower Alcohol Content

    funny
    24 Oct 2014 | 10:03 am
    Did you realize that wine makers, especially in the US, have been quietly upping the alcohol content in some of our favorite potables?  According to the Canadians, who screen incoming alcoholic products, the worst offenders are Chile, Argentina, and the United States, but vintners in all countries do it to some degree. The theory is that the higher alcohol proportion makes for a heartier product, more attractive to consumers. Also, we’re told, higher sugar content created by the American habit of using riper grapes than Europeans do enhances alcohol content. But because the same…
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    Lending Club Blog

  • Lending Club Honored with Economist Innovation Award

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

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

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

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

    Lending Club
    8 Jul 2014 | 8:40 am
    We’re excited to announce  that we’ve facilitated over $5 billion in consumer and business loans since inception, $1 billion in the last quarter alone! With this milestone, we’ve helped more than 362,000 borrowers, bringing us another step closer to achieving our goal of transforming the banking system to be more cost-efficient, transparent and consumer-friendly. Since facilitating our first loan in May 2007, we have more than doubled annual loan volume each year and grown from a start-up to America’s leading online credit marketplace. We’re grateful to each and every investor and…
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    MintLife Blog | Personal Finance News & Advice

  • 4 Common Myths About Financial Planning

    Brittney Castro
    27 Oct 2014 | 9:11 am
    There are a lot of people out there who know they need financial planning but are still unclear about what financial planning actually is.  So to help you better understand the importance of financial planning, I’ve debunked four major myths about it. 1. Financial planning is not a product. A lot of people assume that a financial plan is a product they buy once, and then they’re set for the rest of their lives.  Wouldn’t that be great?!  Financial planning is not a product—rather, it’s an investment in budgeting, managing and mapping out your finances to help you achieve your…
  • American Family Budget: One Year Later

    Kim Tracy Prince
    21 Oct 2014 | 2:02 am
    My husband keeps a pile of wadded-up 20-dollar bills in a drawer in our bedroom. He says he’s saving up for our son’s Christmas gift – a LEGO set with a price tag so high that I am ashamed to share it here. It’s nice that he is doing that, I told him. And in my brain, I recalculated the Christmas budget, making a note to update the spreadsheet later. This is the way our life is now. A year ago, Stewart and I embarked on a plan to wrangle our spending into a monthly budget that makes sense for us. It was a shift that had emotional and physical ramifications, and it took…
  • Wedding Gifts: What’s Proper and What’s Not?

    Mary Hiers
    20 Oct 2014 | 9:30 am
    If it’s been awhile since you’ve attended a wedding, or if you’re a young adult whose friends are just starting to tie the knot, you may feel clueless about buying wedding gifts. You’re not alone: giving gifts for big life occasions can be tricky for anyone. The traditional guideline for wedding gifts is that if you’re invited, you should send a gift whether or not you attend. There is no “correct” amount of money to spend on a wedding gift. The amount should be guided by your closeness to the couple, and your budget. Here is some guidance for…
  • Winterproof your Home on a Budget (Infographic)

    Mint.com
    16 Oct 2014 | 9:22 am
    Keeping yourself and your family warm during the winter months isn’t cheap, and we often wonder how we can keep the heat in the house and away from our bills. Here are a few simple tips that will keep you toasty, without burning through your cash.  Click on “Launch Infographic” for an expanded view.
  • 4 Important Questions to Ask Yourself Before Purchasing a Daily Deal

    Mary Hiers
    15 Oct 2014 | 9:00 am
    At this point in time, there’s a real good chance that half the e-mails you receive and that aren’t immediately filtered to your Spam folder are for Daily Deals. Sites like Groupon and Living Social bombard you with multiple intriguing offers every day, because when you signed up for their service, you apparently told them you desire to save money on everything ever created, no matter what. The numbers always look rather delicious — 50-90% off anything is hard to resist — but don’t go tapping in your credit card number just yet. Overdosing on useless deals will…
 
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    Personal Finance Buzz - Published news

  • Make your own junk food! Chapter two

    rfindependence
    29 Oct 2014 | 3:15 am
    Today I have more easy “junk food” recipes for you, enjoy!
  • Appraising business digital security costs

    Moneycation
    28 Oct 2014 | 7:27 am
    Business digital security does not necessarily require tens of thousands of dollars for a customized network management system. Smaller businesses have the option of affordable and standardized data security techniques and applications that effectively lower risk and sometimes even improve brand equity by offering a faster or more reliable access to online interfaces.
  • 4 Simple Ways to Save on Pet Expenses

    frugalrules
    28 Oct 2014 | 1:27 am
    Saving money on pet expenses is a great way to still have a companion while on a limited budget. I share some simple ways to cut costs and still have a pet.
  • Jadwal Pertandingan Sepak Bola Indonesia

    dika
    27 Oct 2014 | 4:37 pm
    Jadwal Pertandingan Sepak Bola Indonesia pada pekan ini atau lebih tepatnya beberapa hari ke depan diantaranya adalah PBR vs Persib Bandung. Walaupun team yang diarsiteki pelatih Djajang Nurdjaman ini telah memastikan diri lolos ke Senayan untuk menghadapi babak Semi Final Indonesia Super League 2014 ini namun Kang Djanur
  • The Geek’s Black Friday

    modestmoney
    27 Oct 2014 | 10:15 am
    On Black Friday there are going to be some people who are kicking back their favorite chair with a turkey sandwich in hand. They’re not the ones who are going to be awake in the dark of the morning huddled in a shopping center parking lot, waiting for the stores to open with their doorbuster deals.
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    Money Crashers

  • 7 Home Remedies & Treatment for Chronic Back Pain Relief

    Laura Williams
    30 Oct 2014 | 3:10 pm
    I’m a long-time sufferer of chronic and acute back pain. The first time I experienced pain was as a 20-year-old college student – I was lifting weights, and an inconsiderate gym-goer bumped into me as I was lifting a barbell over my head. I had to move awkwardly to maintain my balance, and just like […] 7 Home Remedies & Treatment for Chronic Back Pain Relief is a post from the Money Crashers personal finance blog.
  • 6 Keys to a Comfortable and Happy Retirement

    Michael Lewis
    29 Oct 2014 | 8:55 am
    Gene Perret, the comedy writer for such popular television shows as “All in the Family,” “Three’s Company,” and “The Carol Burnett Show,” once said of retirement, “It’s nice to get out of the rat race, but you have to get along with less cheese.” Almost everyone looks forward to that time when they can sleep […] 6 Keys to a Comfortable and Happy Retirement is a post from the Money Crashers personal finance blog.
  • 4 Health Benefits of Trampoline Exercises – How to Choose the Right One

    Laura Williams
    28 Oct 2014 | 1:45 pm
    Trampolines aren’t just for kids. The repetitive bouncing motion of trampolining actually has many health benefits that make it appropriate for people of all ages and almost all health statuses. The trick to getting the most out of a trampoline is choosing – and using – a trampoline that’s most appropriate for your needs and […] 4 Health Benefits of Trampoline Exercises – How to Choose the Right One is a post from the Money Crashers personal finance blog.
  • What Is Conscious Capitalism – Definition, Social Responsibility in Business

    Michael Lewis
    27 Oct 2014 | 1:10 pm
    The idea that a growing economy benefits all classes has a long history of acceptance. It has been embedded in political rhetoric for the past half-century, regardless of party – in fact, John F. Kennedy is credited with the saying, “A rising tide lifts all boats.” The theory – popularized as “trickle-down economics” – presumes that economic policies […] What Is Conscious Capitalism – Definition, Social Responsibility in Business is a post from the Money Crashers personal finance blog.
  • 6 Benefits of Rowing Machine Workouts for Health & Fitness

    Laura Williams
    23 Oct 2014 | 6:10 am
    Rowing machines, like almost all fitness machines, have developed over time, taking their place in the inevitable cycle of fitness trends. As machinery improves and “new” ways to exercise are introduced, long-standing forms of fitness are brought back into (and out of) view. Rowing machines are currently on an upswing, drawing in consumers and professionals […] 6 Benefits of Rowing Machine Workouts for Health & Fitness is a post from the Money Crashers personal finance blog.
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    Mighty Bargain Hunter

  • Oh, you’re such a TEASE! Mastering teaser rates and more

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

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

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

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

    John Wedding
    10 Oct 2014 | 8:47 pm
    Clothes can say many different things. Such as: “I’m quietly confident.” Or: “I’m hip and stylish.” Or even: “I’m utterly tacky.” Regardless of the specifics, all clothes say: “I’m not naked.”  This is largely what I demand of my clothing, and it’s largely what everyone else demands of my clothing as well. My wife has a few more criteria than I do about my clothing, one of which is that the color of said clothing shouldn’t make me look naked. Because that’s nearly as bad as actually being naked.  (If…
 
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    Spilling Buckets

  • How to Trade Put and Call Options

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

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

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

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

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

  • 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
  • The answer is: 5 years

    Francois Viljoen
    31 Mar 2014 | 3:27 pm
    5 years. That’s how long it takes for the truth to filter its way into the main stream media. What I’m talking about is High Frequency Trading, which was finally “exposed” on CBS last night. Funny thing is, this exposé is old news to many people, who for many years have been trying in vain […]
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    Girls Just Wanna Have Funds

  • Fairfax, VA – Smart Women Finish Rich Seminar with David Bach

    Ginger
    30 Oct 2014 | 5:44 am
     Smart Women Finish Rich® Seminars are here in DC! We’ve teamed up with Edelman Financial Services to get the word out about educating smart women about the steps needed to achieve their financial goals! Fairfax, VA is up next on November 4, 2014 and November 5, 2014  at 1pm and 7 pm You know David Bach.  He’s the wildly successful author behind 9 NY Times Best Sellers and the man behind The Latte Factor Smart Women Will Learn: How to put your money where your values are How to Figure out where you stand financially How to develop a plan for financial security in good…
  • 4 Creative Ways to Help Pay for Moving

    Ginger
    29 Oct 2014 | 5:00 am
    The cost of moving is expensive given the deposits and transfers of utilities alone. The additional cost to hire a moving service, buy packing materials and paying additional help adds up quickly. There are cheaper ways to move that will still allow you money for items that the new place will need. Offer Pizza and Drinks for Help from Friends Rather than hiring a professional packing and loading group, ask friends to help. Offer pizza and drinks for their help. Friends are great helpers because they respect your things and are less likely to be careless with delicate boxes. This saves…
  • She Who Manages the ‘Gold’, Makes the Rules – Join Us For The Smart Women Finish Rich Seminars

    Ginger
    21 Oct 2014 | 10:03 am
    Women live longer than men.  This is fact.  So it makes sense that we need a few more coins in the bank to make it through our golden years without going broke. We face many more challenges which prevent us from saving enough for retirement.  Our careers are often interrupted to care for the little ones and/or elderly parents resulting in earning less money during our prime years, lower retirement balances, social security benefits and pension benefits than men in the same age group. The average amount of social security benefits is a little over $17,000 per year for men and a little over…
  • Women’s Pay Gap: Playing Devil’s Advocate With The Income Disparity

    Ginger
    16 Oct 2014 | 7:00 am
    Though work is usually the cause of greatest stress, not many women would go back to being housewives, as in earlier times. Regardless of the negative aspects of working outside of the home and spending long hours away from family, women feel more empowered and liberated knowing they don’t have to depend on anyone. It’s been a very long struggle for women to earn the same rights as men in many different departments: work, education, right to vote, etc. Though human rights movements have considerably improved the general situation concerning women’s rights at work, there’s still a…
  • The Only Five Reasons You Should Ever Work For Free (and One Big Reason Why You Shouldn’t)

    Ginger
    13 Oct 2014 | 6:25 am
    Have you ever outworked a male colleague and wondered bitterly why their compensation was so much higher than yours? I’ve been there myself and it’s not a great feeling. Women still make 77 cents for every male dollar and studies increasingly show that we’re working harder for our pay. Earlier in my career, for example, I was given the opportunity to run seminars and coach new employees within my financial planning practice. I considered it a learning opportunity and didn’t negotiate for compensation for the work. Only later did I realize that a male colleague was being paid…
 
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    The Finance Buff

  • Schwab Intelligent Portfolios: Game Over For Betterment and Wealthfront?

    Harry Sit
    29 Oct 2014 | 4:53 am
    Reuters broke the news a few weeks ago that Charles Schwab was going to unveil a free online investment advisory service within weeks. Now it’s official. Charles Schwab announced it in a press release on Tuesday. It’s called Schwab Intelligent Portfolios. Like the other so-called robo-advisors such as Betterment and Wealthfront, Schwab’s computer algorithm is going to suggest and manage a portfolio of ETFs for you. The minimum is only $5,000. You can have IRA and taxable accounts. You can fund the account with recurring deposits. It’s going to be automatically…
  • 2015 Social Security Wage Base

    Harry Sit
    22 Oct 2014 | 8:05 am
    The government released inflation numbers for September 2014. The numbers confirmed my calculation for 2015 Social Security COLA (1.7%) and 2015 401k/403b/457 plan and IRA contribution limits ($18,000, $5,500). Of course you didn’t have to wait if are a regular reader of this blog. You knew them as far back as two months ago. The Social Security wage base, which is the maximum amount subject to Social Security tax, will increase by $1,500 to $118,500 in 2015. If you earn at least that much, that means an extra $93 in Social Security tax. Double that if you are self-employed. See All…
  • Change Your Cost Basis Method From Average Cost To Specific Identification

    Harry Sit
    13 Oct 2014 | 4:50 am
    If you have a “regular” taxable investment account (anything other than your tax advantaged accounts such as your 401k, 403b, IRA, Roth etc.), you should understand the different cost basis tracking methods and how they affect your taxes when you sell. Fidelity has a good article describing the background. If you only have tax advantaged accounts at this time, this doesn’t apply to you yet. It’s still good to know for the future. When I looked at my taxable account at Fidelity to see whether any shares I bought this year can be sold for a tax loss, I noticed that my…
  • Rebalancing: Sell High, Buy Higher

    Harry Sit
    29 Sep 2014 | 4:52 am
    Rebalancing is considered a key element of buy-and-hold, to the point that buy-and-hold has become a shorthand for buy, hold, and rebalance. Investment advisor Rick Ferri made this clear in his interview with Morningstar: Buy, Hold, and Rebalance Works. Rebalancing is also said to lead to “buy low, sell high.” The Bogleheads Wiki says: [Rebalancing] is accomplished by transferring funds from higher-performing classes to lower-performing classes. While potentially counterintuitive, rebalancing ensures that investors “Buy Low” and “Sell High”. Journalist…
  • 2015 Social Security COLA

    Harry Sit
    17 Sep 2014 | 7:54 am
    [Updated on October 22, 2014. New CPI number confirmed the 1.7% COLA projected here a month ago.] The official announcement for September 2014 CPI came in. This made is possible to calculate Social Security COLA for 2015. Inflation was still low so far this year, but it was higher than the previous year. According to the government, the Consumer Price Index for Urban Consumers (CPI-U) in September 2014 was 1.7% higher than the same measure a year ago in September 2013. The annual Social Security cost of living adjustments (COLA) uses a different CPI series, the CPI-W. It’s a similar…
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    DollarVersity

  • Tracking The Progress Of My Hardest Hit Fund Program Application

    Eric J. Nisall
    22 Oct 2014 | 2:21 pm
    (Almost) Everyone knows about the housing crash that ruined many peoples’ lives and help throw the country into an economic tailspin. Lots of people are aware of the government’s Home Affordable Refinance Program (HARP) and Home Affordable Modification Program (HAMP) that came from that financial ruin. Few people have heard of the Hardest Hit Fund, which was for all intents and purposes a “bail-out” for the states that were…you guessed it!…the hardest hit by the housing crash. I happened to stumble upon the site and said “what the fuck, I qualify so…
  • Shop Local: The Stores You Oppose Started Small And Local

    Eric J. Nisall
    24 Mar 2014 | 5:00 am
    The calls to “shop local” have been growing louder year after year. Even one of the largest credit card companies, American Express, started a movement called “Small Business Saturday” to entice consumers to shop at small businesses. It seems that society has become a bit hypocritical lately. As a whole, we applaud entrepreneurial spirit and even encourage people to start a businesses to achieve financial success (although it isn’t always the answer or even the right thing for certain people). But then we condemn big-box national chains for whatever reason with…
  • The BIGGEST SECRET About Taxes You Will EVER Read!

    Eric J. Nisall
    12 Mar 2014 | 11:50 am
    I bet you thought you were going to be blown away by some super-secret, S.H.I.E.L.D. level 10-access info, huh? You probably saw the title and thought “Oh, wow, now I’m going to get the real scoop!” Or, perhaps you just clicked on the link because it looked really important with the uppercase font showcasing the “biggest secret” that would be revealed. Well here it is…. You are gullible, and everyone knows it! Why, you ask?   Not everything that people say are secrets are even remotely close to that. It’s generally just a ploy to get your…
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    Maximizing Money

  • British Airways Visa Signature Card 50,000 Bonus Avios with Waived Annual Fee

    Max Messner
    30 Oct 2014 | 1:05 pm
    The British Airways Visa Signature Card is now offering 50,000 bonus Avios when you make $2,000 in purchases within the first 3 months. Plus, the annual fee is waived for the first year when you apply by December 31, 2014, and then it is $95 thereafter. Review this British Airways Card 50,000 Bonus Avios Promo for more details. The post British Airways Visa Signature Card 50,000 Bonus Avios with Waived Annual Fee appeared first on Maximizing Money.
  • Sbarro Halloween Special Free Pizza Slice for Kids with Entree

    Max Messner
    30 Oct 2014 | 12:55 pm
    Sbarro restaurants are offering 1 free pizza slice for kids per entree ordered to celebrate Halloween on October 31, 2014, and during Mall Halloween Festivities. The post Sbarro Halloween Special Free Pizza Slice for Kids with Entree appeared first on Maximizing Money.
  • IHOP Free Scary Face Pancake on October 31, 2014

    Max Messner
    30 Oct 2014 | 8:15 am
    IHOP restaurants are giving away free Scary Face Pancakes to kids on Friday, October 31, 2014. The post IHOP Free Scary Face Pancake on October 31, 2014 appeared first on Maximizing Money.
  • Famous Dave’s Veterans Day Promotions for All Former and Current Military Personnel

    Max Messner
    30 Oct 2014 | 8:10 am
    Famous Dave's restaurants across the U.S.A. are offering a free One Meat Salute for all former and current military personnel on Tuesday, November 11, 2014. Enjoy Famous Dave's Military Promotion for free food on Veterans Day. The post Famous Dave’s Veterans Day Promotions for All Former and Current Military Personnel appeared first on Maximizing Money.
  • TD Ameritrade up to $1,500 for Brokerage or $2,500 for Retirement Accounts

    Max Messner
    30 Oct 2014 | 8:05 am
    There are currently 5 different TD Ameritrade promotions available with up to $1,500 in bonus cash available for brokerage accounts or up to $2,500 available for retirement accounts. Plus, the new Amerivest Fee Rebate Offer will refund your advisory fees if you have 2 consecutive quarters of negative performance when you place $25,000 or more into an Amerivest managed portfolio. Review more details on these TD Ameritrade Promotional Bonuses to see how you can qualify to earn up to $2,500 in cash rewards. Check out these other Brokerage Bonuses for more investing offers from TD Ameritrade and…
 
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    Abacus Wealth Partners

  • Introducing Our New Web Portal

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

    Alan Ungar
    23 Oct 2014 | 12:45 pm
    Thirteen years ago, I blew it. I took my Social Security at full retirement age, and by doing so my wife and I lost $250,000 of lifetime Social Security benefits. Not only that, but instead of getting $3,400 a month when I die, she will get only $2,600. The good news is that she has forgiven me and next year we will celebrate our 57th anniversary. Deciding when to take your Social Security benefits is more complex than ever.Click To Tweet - New Ways to Optimize Benefits Recent advances in technology have allowed us to optimize Social Security benefits, and we no longer have to depend on the…
  • Investment Committee Commentary Q4 2014

    The 2014 Abacus Investment Committee
    21 Oct 2014 | 6:05 pm
    Market Snapshot Note from Our CIO: The Bond King and the Stock Mantra September was one of the more dramatic months in the bond market that I can remember. The legendary "Bond King" Bill Gross unexpectedly departed Pimco, which he co-founded 43 years ago and grew into the world's largest mutual fund company. Read more »3rd Quarter Market Review: Valuation Ratios and Market Timing As broad market indices such as the S&P 500 have set new record highs in recent weeks, many investors have become apprehensive. Read more »Sustainability Profile: Sustainability Scoring for the Oil & Gas…
  • Sustainatopia

    Brent Kessel
    21 Oct 2014 | 11:17 am
    Dates Wednesday, October 29, to Sunday, November 2, 2014 Location Hyatt Regency Century Plaza 2025 Avenue of the Stars Los Angeles, CA 90067 Brent Kessel, founder and co-CEO of Abacus Wealth Partners, will be a speaker at Sustainatopia, one of the leading events for social, financial and environmental sustainability. Scheduled from October 29 to November 2, Sustainatopia includes four business-to-business conferences and a weekend program dedicated to social action in Los Angeles. The forum unites participants in the new good economy, including investors, business owners, social…
  • Impact Investment Profile: HYLA Mobile

    The 2014 Abacus Investment Committee
    21 Oct 2014 | 3:50 am
    SJF portfolio company HYLA Mobile is pioneering a sustainable business model to help global wireless operators to profitably manage e-waste while accelerating access to affordable wireless devices in both the U.S. and emerging markets. HYLA empowers global operators and retailers to reward consumers with instant, in-store credit for used mobile devices, which are then repaired to “like new” quality and resold in both the United States and emerging markets. HYLA has completed 25 million wireless device trade-ins since its 2009 inception. Today’s smartphones retain much of…
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    theBKBlog

  • Free Budgeting Resources to Help You Recover from Bankruptcy

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

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

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

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

    Jonathan
    5 Feb 2014 | 9:16 am
    Almost without exception my clients who are subject to wage garnishment in Georgia report that they feel “violated” or “horrified” by discovering that 25% of their take home pay 1 has been seized by a creditor.  I can certainly understand this emotion – especially if you depend on every penny of your paycheck to cover monthly expenses like rent, utilities, car payments and insurance costs.How Wage Garnishment Happens in GeorgiaWith limited exceptions, you can only be wage garnished in Georgia if your creditor has first filed a lawsuit and obtained a judgment.  More than a few…
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  • Teen gets $4 million for her birthday

    31 Oct 2014 | 2:38 am
    Teen gets $4 million for her birthdayWREXWhen Deisi Ocampo turned 19, she didn't expect that she'd become an instant millionaire.'Best birthday present ever!'More to seeVet gets hate mail from neighborsBears brawl through New Jersey
  • Grandmother: Honey Boo Boo is in danger

    31 Oct 2014 | 2:38 am
    Grandmother: Honey Boo Boo is in dangerETSandra Hale, Mama June's mother, revealed more unsettling details about Anna's molestation in an ET interview.'My reaction was I wanted to kill him'In other newsCeleb surgically changes eye colorTaylor Swift snapped court-side
  • Major star was once a regular schoolgirl

    31 Oct 2014 | 2:38 am
    Major star was once a regular schoolgirlSplashNewsYou've seen her on the big screen plenty of times recently -- but do you recognize her before fame? Future celeb in this yearbook snapMore to seeJLo gets candid about ex-hubbyTori and Dean blew $18 million?
  • First lawsuit filed against Malaysia Airlines

    31 Oct 2014 | 2:38 am
    First lawsuit filed against Malaysia AirlinesAPThe lawyer of the two boys, 11 and 13, said they've waited 8 months and believe they have 'sufficient evidence for a strong case.'What victim's children are seekingMore newsReported armed man at Boeing plantHK protesters remain determined
  • Frein charged with murder, could face death

    31 Oct 2014 | 2:38 am
    Frein charged with murder, could face deathTwitterAfter a 48-day manhunt, marshals arrested Frein at an abandoned airplane hangar 30 miles from where he killed a trooper on Sept. 12.Details on 'meek surrender'In other newsFour killed in deadly plane crashVictim's family testifies at Arias trial
 
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  • Teen gets $4 million for her birthday

    31 Oct 2014 | 2:38 am
    Teen gets $4 million for her birthdayWREXWhen Deisi Ocampo turned 19, she didn't expect that she'd become an instant millionaire.'Best birthday present ever!'More to seeVet gets hate mail from neighborsBears brawl through New Jersey
  • Grandmother: Honey Boo Boo is in danger

    31 Oct 2014 | 2:38 am
    Grandmother: Honey Boo Boo is in dangerETSandra Hale, Mama June's mother, revealed more unsettling details about Anna's molestation in an ET interview.'My reaction was I wanted to kill him'In other newsCeleb surgically changes eye colorTaylor Swift snapped court-side
  • Major star was once a regular schoolgirl

    31 Oct 2014 | 2:38 am
    Major star was once a regular schoolgirlSplashNewsYou've seen her on the big screen plenty of times recently -- but do you recognize her before fame? Future celeb in this yearbook snapMore to seeJLo gets candid about ex-hubbyTori and Dean blew $18 million?
  • First lawsuit filed against Malaysia Airlines

    31 Oct 2014 | 2:38 am
    First lawsuit filed against Malaysia AirlinesAPThe lawyer of the two boys, 11 and 13, said they've waited 8 months and believe they have 'sufficient evidence for a strong case.'What victim's children are seekingMore newsReported armed man at Boeing plantHK protesters remain determined
  • Frein charged with murder, could face death

    31 Oct 2014 | 2:38 am
    Frein charged with murder, could face deathTwitterAfter a 48-day manhunt, marshals arrested Frein at an abandoned airplane hangar 30 miles from where he killed a trooper on Sept. 12.Details on 'meek surrender'In other newsFour killed in deadly plane crashVictim's family testifies at Arias trial
  • add this feed to my.Alltop

  • Teen gets $4 million for her birthday

    31 Oct 2014 | 2:38 am
    Teen gets $4 million for her birthdayWREXWhen Deisi Ocampo turned 19, she didn't expect that she'd become an instant millionaire.'Best birthday present ever!'More to seeVet gets hate mail from neighborsBears brawl through New Jersey
  • Grandmother: Honey Boo Boo is in danger

    31 Oct 2014 | 2:38 am
    Grandmother: Honey Boo Boo is in dangerETSandra Hale, Mama June's mother, revealed more unsettling details about Anna's molestation in an ET interview.'My reaction was I wanted to kill him'In other newsCeleb surgically changes eye colorTaylor Swift snapped court-side
  • Major star was once a regular schoolgirl

    31 Oct 2014 | 2:38 am
    Major star was once a regular schoolgirlSplashNewsYou've seen her on the big screen plenty of times recently -- but do you recognize her before fame? Future celeb in this yearbook snapMore to seeJLo gets candid about ex-hubbyTori and Dean blew $18 million?
  • First lawsuit filed against Malaysia Airlines

    31 Oct 2014 | 2:38 am
    First lawsuit filed against Malaysia AirlinesAPThe lawyer of the two boys, 11 and 13, said they've waited 8 months and believe they have 'sufficient evidence for a strong case.'What victim's children are seekingMore newsReported armed man at Boeing plantHK protesters remain determined
  • Frein charged with murder, could face death

    31 Oct 2014 | 2:38 am
    Frein charged with murder, could face deathTwitterAfter a 48-day manhunt, marshals arrested Frein at an abandoned airplane hangar 30 miles from where he killed a trooper on Sept. 12.Details on 'meek surrender'In other newsFour killed in deadly plane crashVictim's family testifies at Arias trial
  • add this feed to my.Alltop

  • Teen gets $4 million for her birthday

    31 Oct 2014 | 2:38 am
    Teen gets $4 million for her birthdayWREXWhen Deisi Ocampo turned 19, she didn't expect that she'd become an instant millionaire.'Best birthday present ever!'More to seeVet gets hate mail from neighborsBears brawl through New Jersey
  • Grandmother: Honey Boo Boo is in danger

    31 Oct 2014 | 2:38 am
    Grandmother: Honey Boo Boo is in dangerETSandra Hale, Mama June's mother, revealed more unsettling details about Anna's molestation in an ET interview.'My reaction was I wanted to kill him'In other newsCeleb surgically changes eye colorTaylor Swift snapped court-side
  • Major star was once a regular schoolgirl

    31 Oct 2014 | 2:38 am
    Major star was once a regular schoolgirlSplashNewsYou've seen her on the big screen plenty of times recently -- but do you recognize her before fame? Future celeb in this yearbook snapMore to seeJLo gets candid about ex-hubbyTori and Dean blew $18 million?
  • First lawsuit filed against Malaysia Airlines

    31 Oct 2014 | 2:38 am
    First lawsuit filed against Malaysia AirlinesAPThe lawyer of the two boys, 11 and 13, said they've waited 8 months and believe they have 'sufficient evidence for a strong case.'What victim's children are seekingMore newsReported armed man at Boeing plantHK protesters remain determined
  • Frein charged with murder, could face death

    31 Oct 2014 | 2:38 am
    Frein charged with murder, could face deathTwitterAfter a 48-day manhunt, marshals arrested Frein at an abandoned airplane hangar 30 miles from where he killed a trooper on Sept. 12.Details on 'meek surrender'In other newsFour killed in deadly plane crashVictim's family testifies at Arias trial
 
  • add this feed to my.Alltop

  • Teen gets $4 million for her birthday

    31 Oct 2014 | 2:38 am
    Teen gets $4 million for her birthdayWREXWhen Deisi Ocampo turned 19, she didn't expect that she'd become an instant millionaire.'Best birthday present ever!'More to seeVet gets hate mail from neighborsBears brawl through New Jersey
  • Grandmother: Honey Boo Boo is in danger

    31 Oct 2014 | 2:38 am
    Grandmother: Honey Boo Boo is in dangerETSandra Hale, Mama June's mother, revealed more unsettling details about Anna's molestation in an ET interview.'My reaction was I wanted to kill him'In other newsCeleb surgically changes eye colorTaylor Swift snapped court-side
  • Major star was once a regular schoolgirl

    31 Oct 2014 | 2:38 am
    Major star was once a regular schoolgirlSplashNewsYou've seen her on the big screen plenty of times recently -- but do you recognize her before fame? Future celeb in this yearbook snapMore to seeJLo gets candid about ex-hubbyTori and Dean blew $18 million?
  • First lawsuit filed against Malaysia Airlines

    31 Oct 2014 | 2:38 am
    First lawsuit filed against Malaysia AirlinesAPThe lawyer of the two boys, 11 and 13, said they've waited 8 months and believe they have 'sufficient evidence for a strong case.'What victim's children are seekingMore newsReported armed man at Boeing plantHK protesters remain determined
  • Frein charged with murder, could face death

    31 Oct 2014 | 2:38 am
    Frein charged with murder, could face deathTwitterAfter a 48-day manhunt, marshals arrested Frein at an abandoned airplane hangar 30 miles from where he killed a trooper on Sept. 12.Details on 'meek surrender'In other newsFour killed in deadly plane crashVictim's family testifies at Arias trial
  • add this feed to my.Alltop

  • Teen gets $4 million for her birthday

    31 Oct 2014 | 2:38 am
    Teen gets $4 million for her birthdayWREXWhen Deisi Ocampo turned 19, she didn't expect that she'd become an instant millionaire.'Best birthday present ever!'More to seeVet gets hate mail from neighborsBears brawl through New Jersey
  • Grandmother: Honey Boo Boo is in danger

    31 Oct 2014 | 2:38 am
    Grandmother: Honey Boo Boo is in dangerETSandra Hale, Mama June's mother, revealed more unsettling details about Anna's molestation in an ET interview.'My reaction was I wanted to kill him'In other newsCeleb surgically changes eye colorTaylor Swift snapped court-side
  • Major star was once a regular schoolgirl

    31 Oct 2014 | 2:38 am
    Major star was once a regular schoolgirlSplashNewsYou've seen her on the big screen plenty of times recently -- but do you recognize her before fame? Future celeb in this yearbook snapMore to seeJLo gets candid about ex-hubbyTori and Dean blew $18 million?
  • First lawsuit filed against Malaysia Airlines

    31 Oct 2014 | 2:38 am
    First lawsuit filed against Malaysia AirlinesAPThe lawyer of the two boys, 11 and 13, said they've waited 8 months and believe they have 'sufficient evidence for a strong case.'What victim's children are seekingMore newsReported armed man at Boeing plantHK protesters remain determined
  • Frein charged with murder, could face death

    31 Oct 2014 | 2:38 am
    Frein charged with murder, could face deathTwitterAfter a 48-day manhunt, marshals arrested Frein at an abandoned airplane hangar 30 miles from where he killed a trooper on Sept. 12.Details on 'meek surrender'In other newsFour killed in deadly plane crashVictim's family testifies at Arias trial
  • add this feed to my.Alltop

  • Teen gets $4 million for her birthday

    31 Oct 2014 | 2:38 am
    Teen gets $4 million for her birthdayWREXWhen Deisi Ocampo turned 19, she didn't expect that she'd become an instant millionaire.'Best birthday present ever!'More to seeVet gets hate mail from neighborsBears brawl through New Jersey
  • Grandmother: Honey Boo Boo is in danger

    31 Oct 2014 | 2:38 am
    Grandmother: Honey Boo Boo is in dangerETSandra Hale, Mama June's mother, revealed more unsettling details about Anna's molestation in an ET interview.'My reaction was I wanted to kill him'In other newsCeleb surgically changes eye colorTaylor Swift snapped court-side
  • Major star was once a regular schoolgirl

    31 Oct 2014 | 2:38 am
    Major star was once a regular schoolgirlSplashNewsYou've seen her on the big screen plenty of times recently -- but do you recognize her before fame? Future celeb in this yearbook snapMore to seeJLo gets candid about ex-hubbyTori and Dean blew $18 million?
  • First lawsuit filed against Malaysia Airlines

    31 Oct 2014 | 2:38 am
    First lawsuit filed against Malaysia AirlinesAPThe lawyer of the two boys, 11 and 13, said they've waited 8 months and believe they have 'sufficient evidence for a strong case.'What victim's children are seekingMore newsReported armed man at Boeing plantHK protesters remain determined
  • Frein charged with murder, could face death

    31 Oct 2014 | 2:38 am
    Frein charged with murder, could face deathTwitterAfter a 48-day manhunt, marshals arrested Frein at an abandoned airplane hangar 30 miles from where he killed a trooper on Sept. 12.Details on 'meek surrender'In other newsFour killed in deadly plane crashVictim's family testifies at Arias trial
 
  • add this feed to my.Alltop

  • Teen gets $4 million for her birthday

    31 Oct 2014 | 2:38 am
    Teen gets $4 million for her birthdayWREXWhen Deisi Ocampo turned 19, she didn't expect that she'd become an instant millionaire.'Best birthday present ever!'More to seeVet gets hate mail from neighborsBears brawl through New Jersey
  • Grandmother: Honey Boo Boo is in danger

    31 Oct 2014 | 2:38 am
    Grandmother: Honey Boo Boo is in dangerETSandra Hale, Mama June's mother, revealed more unsettling details about Anna's molestation in an ET interview.'My reaction was I wanted to kill him'In other newsCeleb surgically changes eye colorTaylor Swift snapped court-side
  • Major star was once a regular schoolgirl

    31 Oct 2014 | 2:38 am
    Major star was once a regular schoolgirlSplashNewsYou've seen her on the big screen plenty of times recently -- but do you recognize her before fame? Future celeb in this yearbook snapMore to seeJLo gets candid about ex-hubbyTori and Dean blew $18 million?
  • First lawsuit filed against Malaysia Airlines

    31 Oct 2014 | 2:38 am
    First lawsuit filed against Malaysia AirlinesAPThe lawyer of the two boys, 11 and 13, said they've waited 8 months and believe they have 'sufficient evidence for a strong case.'What victim's children are seekingMore newsReported armed man at Boeing plantHK protesters remain determined
  • Frein charged with murder, could face death

    31 Oct 2014 | 2:38 am
    Frein charged with murder, could face deathTwitterAfter a 48-day manhunt, marshals arrested Frein at an abandoned airplane hangar 30 miles from where he killed a trooper on Sept. 12.Details on 'meek surrender'In other newsFour killed in deadly plane crashVictim's family testifies at Arias trial
  • add this feed to my.Alltop

  • Teen gets $4 million for her birthday

    31 Oct 2014 | 2:38 am
    Teen gets $4 million for her birthdayWREXWhen Deisi Ocampo turned 19, she didn't expect that she'd become an instant millionaire.'Best birthday present ever!'More to seeVet gets hate mail from neighborsBears brawl through New Jersey
  • Grandmother: Honey Boo Boo is in danger

    31 Oct 2014 | 2:38 am
    Grandmother: Honey Boo Boo is in dangerETSandra Hale, Mama June's mother, revealed more unsettling details about Anna's molestation in an ET interview.'My reaction was I wanted to kill him'In other newsCeleb surgically changes eye colorTaylor Swift snapped court-side
  • Major star was once a regular schoolgirl

    31 Oct 2014 | 2:38 am
    Major star was once a regular schoolgirlSplashNewsYou've seen her on the big screen plenty of times recently -- but do you recognize her before fame? Future celeb in this yearbook snapMore to seeJLo gets candid about ex-hubbyTori and Dean blew $18 million?
  • First lawsuit filed against Malaysia Airlines

    31 Oct 2014 | 2:38 am
    First lawsuit filed against Malaysia AirlinesAPThe lawyer of the two boys, 11 and 13, said they've waited 8 months and believe they have 'sufficient evidence for a strong case.'What victim's children are seekingMore newsReported armed man at Boeing plantHK protesters remain determined
  • Frein charged with murder, could face death

    31 Oct 2014 | 2:38 am
    Frein charged with murder, could face deathTwitterAfter a 48-day manhunt, marshals arrested Frein at an abandoned airplane hangar 30 miles from where he killed a trooper on Sept. 12.Details on 'meek surrender'In other newsFour killed in deadly plane crashVictim's family testifies at Arias trial
  • add this feed to my.Alltop

  • Teen gets $4 million for her birthday

    31 Oct 2014 | 2:38 am
    Teen gets $4 million for her birthdayWREXWhen Deisi Ocampo turned 19, she didn't expect that she'd become an instant millionaire.'Best birthday present ever!'More to seeVet gets hate mail from neighborsBears brawl through New Jersey
  • Grandmother: Honey Boo Boo is in danger

    31 Oct 2014 | 2:38 am
    Grandmother: Honey Boo Boo is in dangerETSandra Hale, Mama June's mother, revealed more unsettling details about Anna's molestation in an ET interview.'My reaction was I wanted to kill him'In other newsCeleb surgically changes eye colorTaylor Swift snapped court-side
  • Major star was once a regular schoolgirl

    31 Oct 2014 | 2:38 am
    Major star was once a regular schoolgirlSplashNewsYou've seen her on the big screen plenty of times recently -- but do you recognize her before fame? Future celeb in this yearbook snapMore to seeJLo gets candid about ex-hubbyTori and Dean blew $18 million?
  • First lawsuit filed against Malaysia Airlines

    31 Oct 2014 | 2:38 am
    First lawsuit filed against Malaysia AirlinesAPThe lawyer of the two boys, 11 and 13, said they've waited 8 months and believe they have 'sufficient evidence for a strong case.'What victim's children are seekingMore newsReported armed man at Boeing plantHK protesters remain determined
  • Frein charged with murder, could face death

    31 Oct 2014 | 2:38 am
    Frein charged with murder, could face deathTwitterAfter a 48-day manhunt, marshals arrested Frein at an abandoned airplane hangar 30 miles from where he killed a trooper on Sept. 12.Details on 'meek surrender'In other newsFour killed in deadly plane crashVictim's family testifies at Arias trial
 
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    Bible Money Matters

  • It’s Never Too Late To Save for Retirement, And No Amount Is Too Small

    Melissa
    28 Oct 2014 | 9:43 am
    Too often people don't save for retirement because they feel they don't have enough to make a difference. However, if you start with a small, manageable amount and gradually increase that amount as you're able, you'll be amazed how quickly the money adds up. The post It’s Never Too Late To Save for Retirement, And No Amount Is Too Small appeared first on Bible Money Matters and was written by Melissa. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • The Bible’s Warnings On Financial Foolishness

    Tim Fraticelli
    26 Oct 2014 | 4:50 am
    The bible gives a lot of advice on money. We can learn what we should do from these verses, and we can find instruction on what we should not do with money. The post The Bible’s Warnings On Financial Foolishness appeared first on Bible Money Matters and was written by Tim Fraticelli. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • 401k Contribution Limits And Rules For 2015

    Peter Anderson
    24 Oct 2014 | 9:13 am
    As they do every October, the IRS released their 401k contribution guidelines this week for the 2015 tax year. How much can you contribute in 2015? The post 401k Contribution Limits And Rules For 2015 appeared first on Bible Money Matters and was written by Peter Anderson. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • 2015 Roth IRA Updates

    Britt Gillette
    23 Oct 2014 | 9:06 pm
    Once again it's the time of year when the IRS announces changes to the Roth IRA contribution and income limits. So what's in store for 2015 for Roth IRA? The post 2015 Roth IRA Updates appeared first on Bible Money Matters and was written by Britt Gillette. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • Unboxing Of The Republic Wireless Motorola Moto X Smartphone

    Peter Anderson
    20 Oct 2014 | 9:43 am
    If you're looking for an amazing phone, with a great service, I'd highly recommend checking out the Moto X from Republic Wireless. Here's a full unboxing and review! The post Unboxing Of The Republic Wireless Motorola Moto X Smartphone appeared first on Bible Money Matters and was written by Peter Anderson. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
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    Christian Personal Finance

  • 11 Things To Never Forget – Even On Your Worst Day

    Kevin
    29 Oct 2014 | 8:24 am
    There are bad days, and then there are really bad days, maybe even rising to the level of your worst day. We can probably separate worst days from bad days based on the impact that the day will have on your life. For example, on a bad day the damage is usually limited to today or no more than a next few days. But a worst day is one of those days and will have a negative impact on your future, and maybe even for the rest of your life. No matter how bad your day is – even if it turns out to be your worst day – here are 11 things you should never forget: 1. If You’re a Christian You’re…
  • Why I will never ride in a taxi again – Lyft Review

    Bob
    29 Oct 2014 | 7:20 am
    Last weekend I was away at a conference and I found myself at the airport needing to get to my hotel which was about 20 miles away. So naturally, I did what everyone does in that situation (if you are not renting a car) – I called a cab. 30 minutes later I was at the hotel and found myself shelling out $55 + tip for the ride. Once I got to the conference, I found myself chatting with a fellow blogger friend about how she used an App called LYFT to get to the Airport and how it cost her about half of what it had cost me. What is Lyft? So, LYFT is an app that connects people needing a…
  • 35+ DIY Thanksgiving Decorating Ideas

    Dawn
    28 Oct 2014 | 8:18 am
    Thanksgiving is for families. One of my favorite things in life is to be around my family. I want every holiday to be special.  And, for me, making a home festive for the holidays makes the day just that much more memorable. This year I am planning on having a girls craft day, prior to the holiday, to make our very own Thanksgiving decorations.  A perfect excuse to get together, right? The issue I am having is that I am still not sure what I will be crafting. In searching for for something fun to make I have come across some really cool and surprisingly easy ideas to get my DIY on. Now…
  • 4 Ways to Handle Money God’s Way

    Jonathan
    27 Oct 2014 | 9:00 am
    Ever feel like your life is stuck in fast-forward? From the moment our feet hit the floor in the morning, it seems like we never let up on life’s gas pedal. When we finally sit down to look at bills, we are exhausted and just want to pay them as quickly as possible and move on. Even some of us avoid logging in to our bank accounts all together because it is just too painful to really see what our current balance is. Is this how God intended for us to live? The definition of insanity is doing the same thing that you have always done and expecting a different result. God has made us…
  • 5 Must-Know Tips When Teaching Kids About Money

    Jason Price
    24 Oct 2014 | 9:00 am
    Many people say it’s never too early to start teaching children about money. I would agree. I suppose my wife and I started introducing money management principles to our five-year-old daughter as soon as she was old enough to beg for something at the grocery store. We had to repeatedly remind her that she doesn’t get something every time she goes to the store. So, you can start teaching your children about money management early on in childhood and it doesn’t necessarily have to be about paying them an allowance or commission. Just planting little seeds of money management…
 
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    PT Money

  • New and Improved Citi / AAdvantage Platinum Select MasterCard 50,000 Bonus Miles REVIEW

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

    Jason Price
    24 Oct 2014 | 6:00 am
    Mobile technology has provided all of us with a great deal of tools and information at our fingertips when it comes to managing our finances. This certainly can save time and offer a lot of conveniences we didn’t use to have, but is it safe to manage your finances on a mobile device? In other words, if your device were to get lost and found it’s way into the wrong hands, could that person wreak havoc on your financial life? Chances appear to be slim with the high degree of security that banks and financial institutions invest into their apps. Still, there is always a risk, so let’s…
  • Searching for More Ways to Give? Check Out These 6 New Charitable Platforms

    Philip Taylor
    21 Oct 2014 | 12:30 pm
    More and more people are turning online and to their cell phones to give. I think this is great! It’s fast, direct, and safer than ever. Online giving continues to be on the rise. Nonprofit software services provider Blackbaud stated in their 2013 charitable giving report that overall charitable giving grew 4.9% in 2013, while online giving grew 13.5%. Online giving alone accounted for 6.4% of all charitable giving in 2013! The growth likely comes from the increase in awareness and number of methods to give. If you’re looking for more ways to give (both your time and your extra…
  • How to Balance Your Freelance Career With a Full-Time Job

    Contributor
    16 Oct 2014 | 1:17 pm
    Editor’s Note: Here’s an excellent contribution from Ben Luthi, freelance writer and blogger who writes regularly at The Wealth Gospel. Let’s face it. Living the life of a corporate cog isn’t everyone’s cup of tea. But the thought of trying to escape into the world of freelancing can be daunting. Building a successful freelance career is time-consuming and requires a lot of work and organization. I’ve been able to earn some considerable income in my first year since I began freelancing, but there’s still a long way to go. But, fortunately for you and…
  • These Smart Home Improvements Will Help You Yield the Best Returns at Resale

    Philip Taylor
    14 Oct 2014 | 6:30 am
    Have you ever considered a home improvement project? Perhaps you received a sizable tax return or company bonus and are looking to invest in your home. A home improvement project can be a great investment or it can actually be a waste of money in terms of recouping the costs when you sell. Certainly, smart home improvements can have a comfort value and this may be fine if you plan to live in the house for a long period of time. Regardless, you’ll definitely want to make a good decision about home improvement project before embarking on it and that means doing a little bit of research before…
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    RetirementRevised

  • Social Security reform should boost benefits and taxes, poll finds

    Mark Miller
    24 Oct 2014 | 6:50 am
    It’s no surprise that a new public opinion survey would find broad public opposition to cutting Social Security benefits. But a survey released this week [PDF] by the National Academy of Social Insurance finds a strong majority of Americans actually support boosting benefits – and taxing themselves to pay for it. The survey uses a polling technique called trade-off analysis to identify a package of preferred options. The NASI survey asked people about 12 ways to reform Social Security in a way that would close the program’s long-range financing gap. The choices included…
  • Why Social Security COLAs aren’t keeping up with seniors’ costs

    Mark Miller
    23 Oct 2014 | 6:01 pm
    Social Security’s annual inflation adjustment is one of the program’s most valuable features. But it’s time to adjust the adjustment. Retirees will get a 1.7 percent bump in their Social Security benefit next year, according to the Social Security Administration, which announced the annual cost-of-living adjustment (COLA) on Wednesday. Recipients of disability benefits and Supplemental Security Income also will receive the COLA. That reflects continuing slow inflation in the economy – the COLA has averaged 1.6 percent over the past four years – but it’s not…
  • Quality issues keep dogging Medicare Advantage plans

    Mark Miller
    16 Oct 2014 | 6:12 am
    Seniors have flocked to Medicare Advantage in recent years, attracted by savings on premiums and the convenience of one-stop shopping. But as the annual Medicare enrollment season began this week, a memorandum from federal officials to plan providers surfaced that serves as a big red warning flag. The upshot: Assess the quality of any Advantage plan before you sign up. The memorandum, first reported by the New York Times, described ongoing compliance problems uncovered in federal audits of Advantage and prescription drug plans. These include inadequate rationales for denial of coverage,…
  • Shining a light on a murky election-year Social Security debate

    Mark Miller
    9 Oct 2014 | 8:33 am
    In North Carolina, a television ad attacks incumbent Democratic Senator Kay Hagan for supporting a “controversial plan” that “raises the retirement age” for Social Security. The ad comes from Crossroads GPS, the super PAC run by Republican Karl Rove. A Republican attack on a Democrat for cutting Social Security benefits? It’s just one instance where voters are hearing confusing claims about Social Security reform. Social Security has surfaced as a major issue in Senate rates in Alaska, Colorado, Iowa and Arkansas. Seeing through the fog can be difficult. Hagan, for example, left…
  • Timing your Social Security filing: Where to get assistance with the big decision

    Mark Miller
    8 Oct 2014 | 6:00 am
    Deciding when to file for Social Security is one of the most consequential financial decisions most Americans will make about their retirement. Opting to claim benefits early, at the Full Retirement Age (FRA), or later can mean hundreds of thousands of dollars in higher–or lower–lifetime benefits for a married couple. But Social Security’s rules are complex, so most of us could use some guidance. Yet, help can be difficult to find. Social Security Administration (SSA) staffers can only give you general information about benefit options–they are prohibited as a matter…
 
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    Intelligent Speculator

  • Should I Short The Nasdaq($QQQ) ?

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

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

    IS
    17 Oct 2014 | 2:00 am
    As many of you know the Ultimate Sustainable dividend portfolio was built over a year ago as an attempt to slowly become financially free. It is the most important part of my passive income plan and in weeks like the past 2 ones where we start to see panic in the financial markets, it’s a good process for me to go back and see how the portfolio is doing. As is always the case, you can get extra information in my newsletter, it’s free to sign up for here: Without further wait, let’s get started. Here are the portfolio holdings as of last night: TickerNameSharesOct 16 2014…
  • Top 100 Dividend Stocks – October 2014 Edition – A New Leader Takes Charge

    IS
    8 Oct 2014 | 2:00 am
    A few days late, but it’s that time of the month again. We’re starting to see a bit more volatility which always provides a few more investing and trading options. There are still some great opportunities out there and I’m always on the lookout for ways to improve my Ultimate Sustainable Dividend portfolio. Why? Because it’s a key part of increasing my monthly passive income (see last update here). There is no “perfect” stock of course. The market is fairly efficient so it’s all about finding high quality stocks that are a good match for my…
  • Increasingly Confused by Amazon ($AMZN)…the Good, The Bad And The Great

    IS
    30 Sep 2014 | 2:00 am
    Many of you know how much I believe in my “web ecosystem theory”. I have started working on a new article about it and the impact that mobile has had on that theory but as you can guess, I’m still a big believer in placing chips on the 5 major ecosystem players ($GOOG, $AAPL, $FB, $MSFT, $AMZN). I have already taken significant longer term stakes in Apple and Facebook which have worked out well so far. I’m certainly not saying that other tech players can’t have success but it’s important to keep in mind that they will need to co-exist with these established…
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    Don't Quit Your Day Job...

  • How Has Real Estate Performed Since the Recession?

    PK
    30 Oct 2014 | 4:28 am
    In a word?  Not so hotly. Of course, prices have rebounded quite a bit since the Great Recession, but a few indicators clearly show that things still have quite a way to go – if we assume they are snapping back to where they were even in the early 2000s. Census Homeownership Data This data all comes from Tuesday’s Census Bureau release of the most recent 3rd Quarter of 2014 data on homeownership… and they paint a pretty interesting picture, at least when it comes to claims of a solid recovery.  If recovery needs a real estate echo-boom, these charts show that we have a lot…
  • Income Quantiles by Age: How the 1% Break Down

    PK
    27 Oct 2014 | 4:00 am
    In our last examination of 2013 CPS data, we took a deeper dive into age groups… and the income those age groups receive when folks report having a Bachelor’s degree and working at least 40 hours a week (our benchmark for a full-time job).  As expected, minor age differences (read: 5 years) make a huge difference in what it takes to break into the coveted ‘1%er’ group for all income earners. While that article is academically interesting, it also divides the population down along elitist and often unnecessary lines… most likely, not everyone in your peer group…
  • Wage Income: A Key Middle Class Marker

    PK
    22 Oct 2014 | 4:00 am
    Excuse us while we channel Thomas Piketty for a second: the truly affluent, the highest earners… they receive the highest proportion of total income outside their wages: generally from business and investment income. And, turning off the Piketty channel: at the lower ends of the total income spectrum, there is also an increase in non-wage income: this time more due to transfer payments and contract work, which (see our previous article on income and hours worked) also relates to less hours worked. A Brief Apology Unfortunately, we just didn’t have enough 2013 data to follow this…
  • S&P 500 2014 Performance: Inflation Adjusted and Dividend Reinvested

    PK
    20 Oct 2014 | 4:30 am
    We’ve mentioned it before, one or two (hundred) times… the best way to evaluate investment performance in a vacuum isn’t by using the ‘price level’ of an index.  Instead, it is best to check the relative purchasing power increase an investment has brought to the table – and you can only do that by adjusting for inflation and finding a way to include the influence of dividends. So, here’s that effort for the S&P 500’s performance through October 17, including the recent shakiness in the market. S&P 500 Inflation and Dividend Adjusted…
  • The DQYDJ Weekender 10/18/2014

    PK
    18 Oct 2014 | 1:13 pm
    I’m Strangely Proud of This Galvanized Pinhole Leak Fix… So, my promising Saturday was rudely interrupted by the galvanized downpipe to my sprinkler system springing a leak last Sunday.  I’ve had this amazing piece of engineering you can see above (read: hack) A ballerina I am not… stopping the flow brilliantly for a week, but I’ll be replacing it with PVC today. And, yes, while gracefully navigating the attic to pull down Halloween decorations, I stepped with ~half my weight on exposed drywall.  I’ll be fixing this mess too ->   Isn’t…
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    Quizzle Wire

  • 3 Reasons Not to Cash In a 401k to Start a Business

    Carrie Smith
    30 Oct 2014 | 6:00 am
    As you’ve contributed to your retirement accounts year after year, you likely have a good amount of savings built up. Depending on how old you are, this could be a substantial asset in your portfolio. Because of this, a 401k can be a very tempting resource to use as seed money for a new business. But before cashing it out, here are 3 consequences that could potentially sabotage your future and the success of your business. Paying a 10% penalty. If you choose to withdraw funds from your 401k before the approved retirement age of 59 ½, you’ll be forced to pay a 10% penalty. This early…
  • Do You Qualify for a Grant to Repay Your Student Loans?

    Melissa Batai
    29 Oct 2014 | 6:00 am
    Are you one of many college graduates who walked away with a diploma and a mountain of student loan debt?  If so, you’re not alone.  Nearly 3 in 4 college graduates have student loan debt with an average balance of nearly $30,000.  Ouch! Student loans can’t be dismissed in a bankruptcy, so if you don’t make your payments, you’ll face serious consequences.  Too often, college graduates find making student loan payments are a heavy financial burden. However, for a lucky group of individuals, there is a way to lighten the student loan debt load–grants that pay…
  • How to get a better deal on your mortgage

    Miranda Marquit
    28 Oct 2014 | 6:00 am
    Your mortgage is likely to be the largest loan you ever get. As a result, it’s also likely to be quite expensive, due to the interest rate you pay. A large loan, over a long period of time, is expensive. In order to save as much as you can, it makes sense to get the best possible interest rate, and do what you can to save on other costs. Here’s how to get a better deal on your mortgage: Keep a good credit score As always, the best way to get a better rate on any loan is to have good credit. A good credit score can go a long way toward ensuring that you see the best possible loan rate.
  • Things You Should Know Before Investing

    Cathy
    27 Oct 2014 | 6:08 am
    Are you new to investing but wanting to get started? Here are some things you should know before you take the investing plunge: 1. Can you afford to invest? You’ve probably heard the saying, “It takes money to make money.” And when it comes to investing, it’s true. So the first thing you need to determine is whether you have money to invest. If you have consumer debt (such as credit card debt), or if you don’t have an emergency fund, then you probably need to prioritize those items before you can think about investing. Going into debt, or staying in debt, so that…
  • Is College Still Worth It?

    Miranda Marquit
    26 Oct 2014 | 7:00 am
    One of the debates raging right now in the world of personal finance is the debate over whether or not paying for a college degree is worth it. A recent analysis of the job market for recent college graduates by the New York Federal Reserve indicates that many young people are underemployed. According to the report, “the qualify of the jobs held by the underemployed has declined, with today’s recent graduates increasingly accepting low-wage jobs or working part-time.” While the report also insists that recent grads have always had trouble adjusting to the labor market after school, it…
 
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    Get Out of Debt Guy

  • Colorado Moves to Lower Debt Settlement Fees

    Steve Rhode
    30 Oct 2014 | 11:59 am
    A reader forwarded me a copy of this document from the State of Colorado regarding debt settlement. It contains some interesting sections. For example there is this one. Recommendation 2 – Limit settlement fees to 15 percent of the debt forgiven from a completed settlement. “A Settlement Provider negotiates with a creditor to convince it ... The post Colorado Moves to Lower Debt Settlement...
  • Credence Law Group – Consumer Complaint – October 30, 2014

    Consumer
    30 Oct 2014 | 11:06 am
    Consumer Statement: I gave Credence over $5,000 over a 3 month time span to help me save my home. It was hard to get anyone to reply to my phone calls or emails, and I was told once that it would be better to just leave a message rather than make a direct call. The ... The post Credence Law Group – Consumer Complaint – October 30, 2014 appeared first on Get Out of Debt Guy.
  • Student Loan Relief Group – Consumer Complaint – October 30, 2014

    Consumer
    30 Oct 2014 | 10:55 am
    As always, I applaud companies who respond. Brian Wick from Student Loan Relief Group did respond to the consumer complaint. His response is posted below. Company Response 10-30-2014 “Thank you for the heads up regarding a potential complaint about our company. I wanted to send you a quick email myself but I will also have ... The post Student Loan Relief Group – Consumer Complaint...
  • Is This the Same Tim Daniels That Settled With the FTC?

    Steve Rhode
    30 Oct 2014 | 9:58 am
    A reader sent in an email and said a Tim Daniels was running Student Help Network at IBRPlan.com. So the first thought to come to mind was, “Who the hell is Tim Daniels?” Figuring the reader sent me the email I thought it must be about someone I’ve written about before. Otherwise, the email really ... The post Is This the Same Tim Daniels That Settled With the FTC? appeared...
  • Benjamin Moskel: Why Do People Think You Are a Fat Ass Gambler?

    Steve Rhode
    29 Oct 2014 | 3:27 pm
    Over the years I’ve seen a hell of a lot of strange links to this site. The most bizarre was some porn site that linked to me as the best get out of debt site. Ah, thanks? I don’t know why people link. But some recent links have to be some of the strangest links ... The post Benjamin Moskel: Why Do People Think You Are a Fat Ass Gambler? appeared first on Get Out of Debt Guy.
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    Credit Card Chaser

  • How to Avoid Getting Your Credit Card Declined

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

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

    Alice
    2 Oct 2014 | 9:23 am
    Many consumers in today’s world are surprised to learn that there is a big difference between a credit score and credit report. A credit score merely provides an output of a specific credit agency’s FICO score. This number ranges between 300 and 850. It represents the lender’s opinion on an individual’s ability to make timely payments and avoid default. In contrast, a credit report provides an explanation of the basis that was used to determine an individual’s credit score. A credit report provides detailed information about outstanding accounts, previous…
  • How Much Does It Cost to Raise a Child?

    Alice
    26 Sep 2014 | 10:21 am
    A husband and wife can live fairly comfortably in a one-room apartment sharing basic food and transportation costs. But all of this changes when a baby is added to the family. Suddenly, certain things like renting an apartment or taking the bus do not seem to be as palatable. The mentality of “Keeping up with the Joneses” arises with a family. The two-seater sports car is replaced with a mini-van. Parents must plan ahead to care for their new family members from 0 to 18 years old. Immediate Expenses with Birth A new baby will force a family to buy a whole new class of items:…
  • Repairing Identity Theft

    Alice
    19 Sep 2014 | 10:54 am
    Once an individual has discovered that his identity has been stolen, the individual may be confronted with a great deal of anger and disappointment. What’s even worse is all the frustration he may encounter as he attempts to clean up his credit. Since identity theft usually begins as a financial crime, the most significant part of clearing up the damage is repairing the mistakes due to unauthorized charges and accounts that were opened in the victim’s name. The best technique for correcting fraudulent activity on a credit report is to start fixing the problem immediately and be…
 
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    Ready To Be Rich » Ready To Be Rich

  • Reader Mail #30: Finding Profit From Your Passion

    Fitz
    30 Oct 2014 | 1:15 pm
    “Follow your passion” is advise you’ll often hear from entrepreneurs. Unfortunately, doing so is easier said than done. And most of those who try to follow their passion, will find themselves on a dead end and lost on where to actually go. Such is the case of Mr. D, who is featured in today’s Reader […]Note:This is just a preview. Read the full article at Ready To Be Rich by clicking this link: Reader Mail #30: Finding Profit From Your PassionLearn how to make money online:Register for the Internet Income Seminar on December 6. Only 80 slots are available. Click…
  • Internet Income Seminar Coming This December

    Fitz
    26 Oct 2014 | 6:00 pm
    This coming December 6, I will be conducting the Internet Income Seminar. Together with my Blog Academy Philippines partner, Jon Orana, we will be doing a one-day, whole-day live workshop about creating an online business through blogging and selling digital products. Details What: Internet Income Seminar When: December 6, 2014, 9am to 4pm Where: Ortigas […]Note:This is just a preview. Read the full article at Ready To Be Rich by clicking this link: Internet Income Seminar Coming This DecemberLearn how to make money online:Register for the Internet Income Seminar on December 6. Only 80…
  • A List of Amazing, Awesome and Wonderful Things

    Fitz
    22 Oct 2014 | 2:28 pm
    Have you ever seen a sea of clouds? It’s such an amazing sight. — There’s a restaurant in Davao City named Lachi’s. They serve the most awesome Sans Rival. — Globe has an e-waste recovery and recycling program called Project 1 Phone. It’s a wonderful idea that will rebuild schools in Aklan. — Harry Potter […]Note:This is just a preview. Read the full article at Ready To Be Rich by clicking this link: A List of Amazing, Awesome and Wonderful ThingsLearn how to make money online:Register for the Internet Income Seminar on December 6. Only 80 slots…
  • The Amazing Story of the Turtle Traders

    Fitz
    19 Oct 2014 | 6:41 pm
    One popular statistic that is being said about people who go into the stock market is that 85% of them fail. It’s even more brutal in forex, where it is said that 95% of them lose money. I tried to see if those numbers were true, and haven’t found any proof. So I’m concluding that […]Note:This is just a preview. Read the full article at Ready To Be Rich by clicking this link: The Amazing Story of the Turtle TradersLearn how to make money online:Register for the Internet Income Seminar on December 6. Only 80 slots are available. Click here to reserve your slot.
  • Successful Investing is Not Just About the Numbers

    Fitz
    16 Oct 2014 | 2:00 am
    Once upon a time, a powerful wizard created two magic boxes. They’re magic because they have the ability to make money instantly appear inside. The powerful wizard randomly chooses one person every three years and gives them those boxes. When the 3 years have passed, he’ll take them back and choose the next lucky person […]Note:This is just a preview. Read the full article at Ready To Be Rich by clicking this link: Successful Investing is Not Just About the NumbersLearn how to make money online:Register for the Internet Income Seminar on December 6. Only 80 slots are…
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    Cash Flow Planning for Life

  • Self Employment Form 1099 – Time to Contact a Tax and/or Legal Professional

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

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

    Mark
    3 Sep 2014 | 1:40 pm
    Need help determining your independent contractor status? First step is to review the rules set our by the Internal Revenue Service, see IRS.gov website. This is the first installment of Independent Contractor Taxes…Know Your Options. It can be downloaded from our eBook library. This is the third installment of 16 Year-End Tax Tips for 2013 which can also be downloaded from our eBook library. – See more at: http://www.cashflowplanningforlife.com/#sthash.0vrbp1KJ.dpuf The Internal Revenue service has boiled down the old 20 factor test to three categories: Behavioral Test –…
  • Independent Contractor Taxes – Are You Receiving a 1099 for Income Paid to You?

    Mark
    14 Aug 2014 | 8:30 am
    When you are an independent contractor receiving a 1099 for income paid to you, it can be difficult to figure out what your options are, regarding taxes. Independent contractor taxes can be managed when you understand what your choices are, what taxes need to be paid, and what tax forms need to be filed. At Makara and Associates, we are here to walk you through the potential pitfalls and tax strategies that are available to you. Being prepared at year-end will save time and the heartache of owing a large amount of taxes when you’re not expecting it. There are six things you should do when…
  • Questions Small Business Owners Need To Ask

    Mark
    15 Jul 2014 | 11:30 am
    Are you a small business owner? Do you find it difficult to stay on top of all the hurdles that come your way? Every business owner, whether you are incorporating your business today or have been running a business for years, ends up asking the same questions. I encourage owners to ask the questions and find the answers before they become a problem. In my many years of helping small businesses, I have found that successful small business owners tackle these potential hurdles right on before they become a problem that could put them out of business. Here are samples of questions from seven…
 
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    JoeTaxpayer

  • 2015 Retirement Plan Limits

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

    Joe
    13 Sep 2014 | 4:00 am
    An issue that wont go away and lately, pretty tough to ignore.
  • When the Middle Class is No Longer

    Joe
    22 Aug 2014 | 4:00 am
    A couple weeks ago, I read a Times’ article The Typical Household, Now Worth a Third Less. The punchline of this article was the fact that the US median household saw their net worth fall from $87,992 in 2003 to $56,335 in 2013. The article linked to a report, Wealth Levels, Wealth Inequality, and the Great Recession. It offered further context to the median wealth numbers. Keep in mind, during this period, stocks, as measured by the S&P 500, rose by an inflation adjusted 61%. Yet, total wealth (look at the first line, the mean number) fell by 8.6%. This would be disturbing enough,…
  • Farewell to a Great Comedian

    Joe
    16 Aug 2014 | 4:00 am
    I was watching an old tape of Comic Relief ’87 when I saw the Tweets that Robin Williams had passed away. He had an amazing career, graduating from stand-up comedy to TV, to roles in movies which showed his amazing range of talent. The only other celebrity that I believe can claim such range is Tom Hanks. Let me know if you have another nomination for ‘best range’. Rest in peace, Mr. Williams.
  • Lobster-Nomics

    Joe
    25 Jul 2014 | 4:30 am
    I was away for a weekend, at a friend’s house on the lake in New Hampshire, and we went to pick up lobsters for diner. The price list caught me a bit off guard. I always understood the larger lobsters would cost a bit more per pound, so for example, the 1-1/2lb lobster is $18 vs $10 for the 1lb’er. No issue with that. What struck me was the drop in price per pound for the 4lb or bigger. Let’s do the math, 2lbs for $26, 3lbs for $39, 4lbs for $32. Let’s fill in the gap, 2.5lbs for $32.50. I did the math and wondered why anyone would buy one between 2 and 4 pounds. If…
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    Simplified Saving

  • DIY Creepy Halloween Night Light

    Lisa Thompson
    28 Oct 2014 | 8:13 am
    If you’re looking for a super easy Halloween Craft, look no further!  All you need for this night light is a mason jar, some plastic spiders, cotton balls or cotton batting, and glow sticks. I started by opening up my glowsticks.  I had some glowstick necklaces from the Dollar Store in my craft stash, so I used them instead of regular glowsticks.  Unless you are a professional glowstick necklace wrangler, I recommend using the regular short glowsticks.  I’ve used them in the past and they are much easier to get in the jar. Once your glowsticks are activated (bend them back and…
  • Tackle Your Greasy Tools with #DawnBeyondTheSink & Enter This #Giveaway

    Lisa Thompson
    25 Oct 2014 | 7:46 pm
    This review and giveaway was made possible by Double Duty Divas and Dawn. I was compensated for my participation in this campaign, but as usual, all opinions are 100% mine. My husband is a ninja when it comes to working on cars…and it’s a good thing because lately our cars have needed a lot of work.  I drive a bright yellow 2002 Ford Escape that I bought new with only 7 miles on it.  I totally love it, but it now has over 200,000 miles on it. I have no desire to get rid of it which means that my hubby has to play mechanic from time to time.   We also have a minivan (pictured…
  • Restaurant Coupon Roundup {10/24/2014}

    Lisa Thompson
    24 Oct 2014 | 10:23 am
    Eating out sure can get expensive, so I’m always on the lookout for deals to make it more affordable.  Below I’ve included the top printable restaurant coupons for this week! Bakers Square – $5 Off $20 Purchase (exp: 10/31/2014) Bertuccis – $5 Off Entire Check from 4PM – Close (exp: 10/31/2014) Black Angus Steakhouse – $17.99 Top Sirloin Steak, Lobster & Shrimp Meal (exp: 11/17/2014) Blimpie – Free Regular Sub When You Buy Regular Sub & Drink (exp: 10/30/2014) Bob Evans – Buy 1 Breakfast Entree Get 1 Free When You Buy 2 Drinks (exp:…
  • Retail Coupon Roundup {10/24/14}

    Lisa Thompson
    24 Oct 2014 | 10:12 am
    If you’re planning on doing a little shopping this weekend, make sure to print off these great retail coupons before you go! Adidas Outlet – $10 Off $75 Purchase (exp: 11/4/2014) Bath and Body Works – Free Ultra-Shea Body Cream with Any Purchase (exp: 10/26/2014) Bealls – 20% Off Entire Purchase (exp: 10/26/2014) Belk – 20% Off Regular & Sale Price Purchase + More (exp: 10/27/2014) Build A Bear – FREE Howl-o-Ween Treat Starting 10/24 (exp: 10/31/2014) Carters – 25% Off $50 Purchase (exp: 10/29/2014) Casual Male – $25 Off $75 Purchase (exp:…
  • Oreo Eyeball Pops

    Lisa Thompson
    22 Oct 2014 | 6:47 pm
      I love to make “themed” foods.  In my kids opinion, there’s no better time than Halloween.  Creepy, spooky, and just plain gross (looking, not tasting)  appeal to them! Since I’m pretty much in love with all Oreo based recipes, I whipped up these Oreo Eyeball Pops!  They’re easy, they’re fun, and they taste delicious! Here’s what you’ll need to whip up a batch of Halloween Eyeball Oreo Pops: 1 bag of lollipop sticks (After making these a few times, I think the 6″ Wilton Lollipop sticks work best) Double Stuffed  Oreos or Mega Stuffed…
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    Personal Dividends

  • IRS Announces Retirement-Related Changes for 2015

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

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

    Miranda Marquit
    16 Oct 2014 | 5:00 am
    Seven years ago, when my husband and I were shopping for our home, the real estate agent kept referring to our home as an “investment.” I had been writing about personal finance long enough (and I had read Rich Dad, Poor Dad) to realize that buying a residential home with a mortgage hardly qualified as an investment. But, even so, we went ahead and bought. We figured, at the very least, we might break even. Those dreams of breaking even died a painful death about two months ago. My husband got a new job across the country and we had to move. The question became this: What do we do…
  • Five Ways to Make Debt Consolidation Work

    Kevin Mercadante
    7 Oct 2014 | 5:00 am
    Most of the time when people attempt to take debt consolidation loans, they fail miserably. They do for reasons that are too involved to cover here. But there are ways to make debt consolidation work, and here are at least five of them. 1. Treat it as a voluntary bankruptcy If you end up in bankruptcy as a result of having too much debt, the court will establish the terms of any necessary repayment, as well as the resolution of debt that you are unable to pay. You should treat a debt consolidation loan as though it were a bankruptcy, but one where you have an opportunity to control how it…
  • 3 Financial “Rules” I Don’t Follow

    Miranda Marquit
    30 Sep 2014 | 5:00 am
    When I first started writing about personal finance back in 2006, I was big on the “rules.” Since I didn’t know much about money management — beyond the fact that, to that point, I hadn’t been great at it — I wanted rules to help me stay on track. While rules of thumb can be a great starting place for your finances, and help get you on the right track, the fact of the matter is that personal finance is personal.  Just because it’s a general rule, or a good starting point, doesn’t mean that it’s always going to be the right thing for…
 
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    Much more than debt, IVA and personal finance from ClearDebt.

  • The Rise and Rise of the IVA – 50,000 case barrier set to be broken

    Andrew_F_Smith
    29 Oct 2014 | 7:09 am
    Statistics released today (29 October 2014) by the Government’s Insolvency Service show that this year will almost certainly be a record year for Individual Voluntary Arrangements (IVAs) – Britain’s most popular method for people to deal with unaffordable debt. The IVA, which freezes interest and charges and writes off large amounts of debt (when the arrangement […]
  • Payday lenders and fluffy toys: CMA proposals to increase price competition between payday lenders

    Kristian Stock
    14 Oct 2014 | 6:58 am
    We don’t think people will be getting free meerkats with payday loans anytime soon. On the face of it, a comparison site may be the last thing payday lenders need, after the recent criticism of such sites by the Financial Conduct Authority (FCA), but that’s exactly what fellow financial regulator the Competition and Markets Authority […]
  • Payday Loans: Totally evil, right?

    Kristian Stock
    3 Oct 2014 | 1:10 am
    Understanding whether taking out a payday loan makes sound financial sense can be a tricky issue for many people, but here we hope to educate you on the types of borrower that typically use these services. Drawing on data from consumer watchdog Which?, we have produced an infographic that outlines the differences between people who […]
  • Three debt management firms bite the dust

    Kristian Stock
    18 Sep 2014 | 9:13 am
    Another batch of debt management companies bite the dust as the FCA impose their authority and urge customers to stop making payments. Not 24 hours after reporting requirements imposed on Bournes Debt Solutions by the FCA, the regulator, today (18 September 2014) announced that customers of three debt management firms should stop making payments to […]
  • Manchester based debt management company Bournes Limited faces imposed requirements by the FCA

    Kristian Stock
    17 Sep 2014 | 9:55 am
    The industry regulator for the debt management sector, the Financial Conduct Authority (FCA), has imposed a requirement on Bournes Debt Solutions. The regulator has put in force that the firm’s bank accounts cannot be dealt with in any way without written consent from the FCA. Bournes Debt Solutions has volunteered to stop entering into contractual […]
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    Money Watch

  • Mastercard To Launch Thumbprint-Reading Bank Card

    Rob Lewis
    19 Oct 2014 | 3:57 pm
    Mastercard has announced that it is bringing a thumbprint-reading card to the UK, which it hopes will improve card security and do away with PINs. The card has been developed in conjunction with a Norwegian firm, Zwipe, and lets cardholders pay for goods and services in store once it has verified their print. A copy of the thumbprint is stored on the card, rather than on Mastercard’s servers. In action, the system seems pretty slick, provided that it works reliably: However, I can’t help feeling that by the time this starts to be issued to users (Mastercard is suggesting it will…
  • Top 10 UK Banks On Social Media

    Rob Lewis
    14 Oct 2014 | 3:26 pm
    The Financial Brand runs a quarterly review of the use of social media by banks, and have recently published the results of their research for the 3rd quarter of 2014. Below are the rankings of the top ten UK banks on social media, based on Financial Brand’s “Power 1oo Score”, which is calculated based on a range of factors, such as Facebook Likes, and Twitter followers. Bank Total Facebook Likes Total Twitter Followers All-Time YouTube Views Power 100 Score 1 Natwest 226,700 41,800 5,572,839 812 2 Barclays 538,000 41,300 2,846,894 766 3 HSBC 164,200 10,900 3,802,259 588 4…
  • 8 Things Your Bank Should Never Ask You To Do

    Rob Lewis
    13 Oct 2014 | 1:22 pm
    The British Banking Association (BBA) has launched a new campaign which it hopes will help to combat bank account fraud. To promote the “Know Fraud” campaign, the BBA have published 8 things that banks will never ask you to do, to increase the  awareness of the types of tatics employed by scammers. Ask for your full PIN number or any online banking password over the phone or via email Send someone to your home to collect cash, bank cards or anything else Ask you to email or text personal or banking information Send an email with a link to a page which asks you to enter your…
  • Vouchercloud Aims To Disrupt Gift Card Market With “Giftcloud” App

    Rob Lewis
    9 Oct 2014 | 1:30 am
    Discount voucher website vouchercloud has announced the launch of Europe’s first completely digital gifting app and website, which it hopes will disrupt the entire gifting market; in particular the £5bn gift card sector. Giftcloud will allow users instant access to digital gift cards from some of the UK’s retail giants, which can then be sent immediately via text, email or Facebook. Giftcloud already has the backing of leading retailers such as House of Fraser, Debenhams, Currys PC World, Ticketmaster, eHarmony, Cineworld, Starbucks and restaurant chains Pizza Express, ASK Italian and…
  • Hack An ATM For Piles Of Cash

    Rob Lewis
    8 Oct 2014 | 2:35 pm
    In what looks like a scene from a movie, the BBC has published a video showing a cash machine handing out piles of cash after being hacked. In the video, the hackers (researchers from computer security firm Kaspersky) entered a couple of codes on the keypad before being presented with the cash. Thankfully, this can’t be done on any ATM; it has to have been tampered with in the first place (so physical access to the machine is required in the first place), but nevertheless, represents a worrying flaw in their security. The hack doesn’t actually remove the money from a…
 
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    Yes, I Am Cheap

  • Top 5 Reasons Why Baby Boomers Are Screwed

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

    Sandy Smith
    23 Oct 2014 | 12:35 pm
    Get a comfy chair.  You’re going to be here for a while. Yesterday after paying down one bill I crunched the numbers and realized that since January 2013 I have reduced my total debt by $50,724.79.  I felt as if I had just finished running the New York City Marathon and had shoved the previous winner right out of a guaranteed podium spot.  I won. I could have kept it all to myself and silently celebrated my little victory, but I decided that this was a great opportunity for you guys to learn about how I managed to pay off such a massive amount of debt in a time when I was…
  • October 1 Debt Check

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

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

    Sandy Smith
    25 Sep 2014 | 10:49 am
    With a blog called Yes, I Am Cheap, you can bet that I get a fair bit of e-mails comparing cheap and frugal.  I’ve been asked many times if frugal is better than cheap and I’ve answered this question the same way every single time – there is no difference.  It’s what I told Harvard Business Review years ago and it’s what I told Experian last week.  Frugal used to have a better connotation than cheap did only because a cheap individual was often viewed as miserly, but ask yourself how many times you’ve said, “Man, that’s cheap” as you…
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    Money Reasons

  • Small Business Info Series – Credit Card Readers – How to find the right one

    Money Reasons
    29 Oct 2014 | 10:19 am
    I’ve tried a few businesses on for size, but I never owned a business that required a Credit Card Reader!As I child, I remember that while my grandparents owned a small retail store, they used the old swipe and make a carbon copy type of credit card reader.  Wanting to consider all aspects of business, I am excited to present the following information on Credit Card Readers!Credit Card Readers – How to Find the Right OneWhen you have a business in which you accept credit cards for payment, one of the things that you need to do is to choose the right credit card reader for your…
  • Cheap Workout Sunday Report 4

    Money Reasons
    27 Oct 2014 | 6:55 pm
    Today, I shifted my workout to Monday instead of Sunday as I normally would.  The reason I did this was because some of my muscles were still sore form last week, so to present injury I decided to wait an additionally day.So to keep it short today, below is what I did on Monday instead:45 lbs –   the bar for 8 reps (weird clicking sound in my left arm, so I’m taking it careful).135 lbs – 8 reps warmup.185 lbs –  10 reps (no real problems, but I felt it… no straining this time though).205 lbs –  4 reps (felt strong again today, I might have been able to get 5 reps, but…
  • Cheap Workout Sunday Report 3

    Money Reasons
    19 Oct 2014 | 12:51 pm
    While I’m sure I’ll be sore in a few days, I can tell that my muscles are starting to respond by coming back to life.  They have been dormant for so long that I’m much weaker than I imagined I would be.  I’m trying to keep my progression under control because I’ve had shoulder issues in the past and don’t want that problem to rear it’s ugly head by increasing the weight I’m pushing too quickly.So why is this a “Cheap Workout”?  Because I’m in the basement with a cheap bench and weights that could be found on craigslist or…
  • Cheap Workout Sunday Report 2

    Money Reasons
    12 Oct 2014 | 11:40 am
    I was much more sore from that past workout than I ever imagined that I would be.  On some days last week, I questioned where I could even walk, not to mentioned that I felt totally depleted and without energy.  Starting to work out is never easy, but this was much, much harder than I imagined.What makes it even more difficult is the fact that I am trying to lose 20 to 40 pounds be the end of the year.  So that makes it that much more complex of a scenario.If you want to read about my first official start to my cheap workout series, read Cheap Workout Sunday Report 1.And now on with the…
  • Cheap Workout Sunday Report 1

    Money Reasons
    5 Oct 2014 | 6:55 pm
    My health hasn’t been in tip-top shape for years…  Ironically, I wrote an article a few years back called “Becoming Super” and of course the opposite happened, I’ve been practically anti-super ever since.  Not by own choice, mind you but instead I was hit by a number of illnesses that has had me on the decline ever since.  I’ve been hoping I could overcome the illness be myself, but I haven’t and I’m tired of waiting for my body to defeat my problems naturally.  So, I’ve decided to start to get back into shape, but in a slow and cheap…
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    Financial Woman

  • Women, Wealth and Trailblazing

    Camille Gaines
    23 Oct 2014 | 11:02 am
    Boomer Women and Wealth… Women over 50 are increasingly inheriting and making more money. Get the facts from this New York Times article on women and wealth. Read the entire article by clicking here. Financial Woman Insights:  Check the fees carefully for annuities….and the income stream, especially now. If you are hiring a financial advisor, know why…please! Favorite line from this article: “This group of women are trailblazers,” Ms. Slotkin said. “They’ve become forces as business owners in their communities, they’ve accumulated wisdom along the way, and…
  • Quickly Test Your Income Idea with This!

    Camille Gaines
    21 Oct 2014 | 5:05 am
    Remember Madlibs? Here’s a cool one for you! More income means more money to grow…and a better lifestyle along the way. Have an idea to test a new income stream? Step #1, google search to see who else, if anyone, is already doing it. Contrary to popular belief, you either want lots of people doing it, or none. If it’s a general, not patented or trademarked idea, like a website or book on decorating with repurposed items, for example, you want to see lots of people doing it. This indicates that there’s strong interest in your intended market. If it’s a unique…
  • A Noted Shift in Women and Money Expert Suze Orman’s Philosophy

    Camille Gaines
    16 Oct 2014 | 7:34 am
    I love everything that women and money Suze Orman says in this article. I haven’t read her content in a good while, but I really like that she is now recommending that people make investments based on what’s happening in the economy, not just a standard percent in various investments based on their age. It’s called asset allocation in financial lingo, divvying your money up among stocks and bonds and such. This is a big shift for Suze, and for an investor’s portfolio management. Yes, it is definitely easier to just put a certain percent of your wealth account in…
  • The Most Important Step to Hire a Financial Advisor…

    Camille Gaines
    7 Oct 2014 | 9:58 am
    Did you know that Baby Boomers are about to transfer the single largest sum of wealth to another generation, according to this Forbes article by fellow baby boomer Neale Godfrey? Estimates range up to $59 trillion!! The only thing I might say differently is that it’s best to hire a financial advisor based on the results they are getting for you, hence, the importance of really understanding just a few investing basics… Get the article and some great pointers here at Forbes… The post The Most Important Step to Hire a Financial Advisor… appeared first on Financial Woman.
  • How to Invest Part 2

    Camille Gaines
    31 May 2014 | 7:40 pm
    How to Invest Part 2 The first How to Invest article addressed deciding how much money you want to invest. The next step toward smart investing is choosing how much risk you want to have with your investment money. You’ll want to have six to twelve months living expenses in a very low risk investment that has little or no change in value. This is not investment money that I’m addressing in this article; this is reserve money in case you lose your job, or have some sort of emergency. It’s your “sleep well at night savings”… But what’s your “sleep well at night risk level” for…
 
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    Smart Balance Transfers

  • Discover Releases Its Q4 Bonus Categories

    Jason Steele
    29 Oct 2014 | 4:00 am
    The is an extremely popular rewards card. It offers 1% cash back on all purchases, and an additional 4% cash back for purchases from select categories of merchants that change each quarter, on cardholder’s first $1,500 spent. Bonus categories for the fourth quarter of 2014 This year, cardholders can earn 5% total cash back from […]
  • Citi Hilton HHonors Vs. HHonors Reserve

    Jason Steele
    27 Oct 2014 | 4:00 am
    Credit card users who enjoy travel rewards are often lured to cards that feature frequent flier miles. Yet in recent years, these cardholders have become disappointed by the decreasing value of their miles as airlines reduce the availability of award seats and increase the number miles needed to book an award. In response, many cardholders have […]
  • Citi Upgrades Price Rewind

    Jason Steele
    24 Oct 2014 | 4:00 am
    Citi’s Price Rewind has always been an interesting alternative to the standard price protection policies found on other cards. When it was first introduced, Price Rewind offered to issue a refund to cardholders if their eligible purchases dropped in price within 30 days. At the time, the rules said that the difference had to be […]
  • 5 Things You Didn’t Know About Chase Slate

    Jason Steele
    22 Oct 2014 | 4:00 am
    The card is one of the most popular credit cards available to customers who are trying to pay off their debt. It offers 15 months of interest free financing on both new purchases and balance transfers. And while this card is extremely popular, here are some little known facts about it: 1. has been the […]
  • Time Is Running Out For The US Airways Premier MasterCard

    Jason Steele
    20 Oct 2014 | 4:00 am
    US Airways is merging with American Airlines, but credit card users can still apply for from Barclaycard. It currently offers 40,000 bonus miles when cardholders make their first purchase and pay the $89 annual fee. Cardholders also receive a free checked bag for themselves and up to four other passengers traveling on the same itinerary. […]
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    Credit.com

  • Americans Are More Afraid of Credit Card Fraud Than Terrorism

    Mitchell D. Weiss
    30 Oct 2014 | 9:01 pm
    As the holidays approach, more and more consumers are clutching their purses and wallets. But that anxiety has little to do with budgetary constraints. In fact, according to a recent Gallup spending forecast, retailers can expect an above-average shopping season this year. The thing that’s got consumers on edge these days is digital fraud. Gallup first started asking consumers in 2000 about their worries around the interlocking of technology and credit. The results from this year’s annual Crime Poll, though, are particularly noteworthy: More than two-thirds of those who were surveyed…
  • How Much Does Your Insurance Company Know About You?

    Gerri Detweiler
    30 Oct 2014 | 9:01 pm
    If you’ve applied for homeowner or car insurance lately, you probably learned quite quickly that actually applying for insurance involves answering a lot of questions about yourself. But lest you are tempted to fudge facts and try to hide driving infractions or previous homeowner claims, you may want to be aware that your insurance company has ways of ferreting out details of your past you’d rather not divulge. Claims Against Your Home or Auto Insurers can obtain reports that inform them of previous claims on homeowner or auto insurance policies. The most common way they get this is…
  • 5 Budget ‘Serial Killers’

    Christine DiGangi
    30 Oct 2014 | 9:01 pm
    You went over your monthly budget — again. Now you’re looking at bills and bank accounts, figuring out how to shuffle money around so you can pay everything and avoid this awful feeling next month. Good luck with that. Everyone has different financial priorities, but no matter who you are, there are some expenses that get everyone off track at one point or another. They’re the little things that add up, seem like they’re in budget and automatically hit your bank accounts without a second thought. You know they’re destructive, but that doesn’t mean they’re…
  • Student Loan Debt Inspires 21-Year-Old to Run for Office

    Christine DiGangi
    30 Oct 2014 | 9:01 pm
    Patrick Lockhart is 21 and lives at home — and he couldn’t be happier about it. Instead of going back to Indiana University this fall, he took off a semester to run for a seat in the Indiana General Assembly, hoping to represent his fellow residents of House District 91. On Election Day, he goes head-to-head with Rep. Robert Behning, a Republican who’s been the district’s representative since before Lockhart was born. From Constituent to Candidate What revs up a college student so much he wants to run for office, you ask? Student loan debt. Before starting his second year…
  • Are the New, ‘Safer’ Credit Cards Already Vulnerable?

    Adam Levin
    30 Oct 2014 | 9:01 pm
    A recent Gallup survey found that 69% of Americans worry “frequently” or “occasionally” about having a credit card compromised by computer hackers. It’s not shocking. Consumers are becoming more educated on the topic, and financial institutions are beginning to do more to combat fraud, including introducing new types of credit cards. One example of the latter is chip-and-PIN technology, which everyone from consumers to the president has hailed for its ability to help prevent fraud. But is it the panacea that it’s been made out to be? Let’s take a closer look at exactly what this…
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    The Allstate Blog

  • 10 Things You Should Do Before Buying a Used Motorcycle

    Cyclechex
    30 Oct 2014 | 3:11 am
    If you are ready to buy the used motorcycle you’ve always dreamed of, do your research before making this major purchase. Consider these 10 tips to help you make an educated decision. 1. Decide what type of bike best fits your lifestyle. If you are planning on long rides — even cross-country — you may want a touring model with all the bells & whistles (heated grips, seat and foot warmers, surround sound, cruise control, etc.) to make your journey a little more comfortable. A sport bike, however, might be more appropriate for shorter rides. You should definitely evaluate your…
  • Wants vs. Needs: When to Dip Into Your Emergency Fund

    Nicole Markle
    29 Oct 2014 | 4:04 am
    Having an emergency or back-up fund is important. This money that is set aside for unplanned expenses is separate from your retirement savings and college savings accounts. According to a study by Bankrate.com, only 26 percent of Americans have an emergency fund. Personal finance experts advise keeping a minimum of three to six months of expenses or more in your fund as a cushion. But how do you know when it’s appropriate to tap into that rainy day stash? It boils down to wants vs. needs. According to financial expert Dave Ramsey there are three ways to measure whether a situation…
  • 5 Small Business Stressors – And How to Combat Them

    Nicole Markle
    29 Oct 2014 | 4:03 am
    You don’t have to settle for stress-induced heartburn and migraines just because you’re running your own business. Entrepreneurs can do plenty to ease the pressure on themselves and their employees, says David Ballard, director of the Center for Organizational Excellence for the American Psychological Association (APA). In fact, decreasing stress in your company can have a direct effect on your bottom line: Less-stressed owners and employees are often more productive and creative, become better problem-solvers, and take fewer sick days than frazzled workers, Ballard says. Here are the…
  • QUIZ: Are You a Home Maintenance Maven?

    Amy Tyszkiewicz
    28 Oct 2014 | 4:01 am
    Think you’re a home maintenance whiz? Check to see if your house is in tip-top condition with this quiz. Javascript is disabled Javascript is disabled on your browser. Please enable it in order to use this form. Loading Home Maintenance Quiz Scrub-a-dub in the ____. This piece of home equipment needs to be regularly cleaned to help reduce the buildup of dirt, odor and residue. Tub Dishwasher Washing machine Hose Home Maintenance Quiz Correct! Your washing machine needs regular maintenance  just like the rest of your home  so it can get rid of those pesky grass stains for a long time…
  • Home Safety: Get Your Move On

    Debbie Hanson, First Alert
    27 Oct 2014 | 5:00 am
    If you’re one of millions of Americans moving into a new home this year, be sure to make safety a priority in your new home. Almost every living space can harbor dangers – some hidden and some in plain sight. Luckily, there are ways you can help keep your family safe from some common dangers. Get an Insurance QuoteCurious what Allstate can do for you? Get a quote here. Get a Quote Share this infographic on your site.Infographic courtesy of The Allstate Blog. The post Home Safety: Get Your Move On appeared first on The Allstate Blog.
 
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    Centsible Life

  • How to Get Rid of Energy Vampires

    Kelly
    30 Oct 2014 | 8:30 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.
  • Family CFO Interview: Shannah Compton

    Stephanie Anderson
    30 Oct 2014 | 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.
  • DIY Hot Glue Glitter Spider Webs for Halloween

    Tonya Staab
    29 Oct 2014 | 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.
  • Monday Meal Plan: October 27th

    Kelly
    27 Oct 2014 | 7:06 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.
  • How to Save Big at Gymboree on Adorable Fall Clothes

    Kelly
    24 Oct 2014 | 8:51 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

  • Why a Strong Dollar is the Mortal Enemy of Gold and Oil

    Frank Holmes
    30 Oct 2014 | 3:15 pm
    This post Why a Strong Dollar is the Mortal Enemy of Gold and Oil appeared first on Daily Reckoning. The United States is doing better than it has in years. Jobs growth is up, unemployment is down, our manufacturing sector carries the rest of the world on its shoulders like a wounded soldier and the World Economic Forum named the U.S. the third-most competitive nation, our highest ranking since before the recession. As heretical as it sounds, there’s a downside to America’s success, and that’s a stronger dollar. Although our currency has softened recently, it has put pressure on two…
  • Confessions of a Newsletter Man

    Bill Bonner
    30 Oct 2014 | 1:57 pm
    This post Confessions of a Newsletter Man appeared first on Daily Reckoning. [Ed. Note For over 30 years, Bill Bonner has been in the newsletter business. Along the way he's met some very interesting characters. And together with one of them, Addison Wiggin, he co-founded a little newsletter called The Daily Reckoning. Tomorrow, Addison will be back in the saddle of the email edition, where subscribers will be able read his missives each day. It's times like these -- when we "remobilize our axioms," as Addison puts it -- that are best for reflection about how and why we publish financial…
  • The Most Important Factor of the Swiss Gold Initiative

    Grant Williams
    30 Oct 2014 | 12:21 pm
    This post The Most Important Factor of the Swiss Gold Initiative appeared first on Daily Reckoning. [Ed. Note: Over a month ago, in our email edition, we tipped you off to the upcoming Swiss Gold Referendum -- one of the events our own Jim Rickards believes could trigger a monetary collapse. Yesterday, we continued that discussion with the first part of an eye-opening piece by Grant Williams, aptly titled "Why You NEED to Pay Attention to the Swiss Gold Initiative." Today, we bring you part two, which explains, in detail, exactly how the Nov. 30 referendum could shape the future of the gold…
  • How Solar Power Could Heat Up Your Portfolio

    Greg Guenthner
    30 Oct 2014 | 9:44 am
    This post How Solar Power Could Heat Up Your Portfolio appeared first on Daily Reckoning. The fiery ball in the sky could mint you a fortune over the next 18 months… That’s because I expect solar stocks to double again over the next year-and a-half. And you’ll look like a genius if you buy now — because nobody’s paying attention to this story. Look, it doesn’t matter if you buy into the “green” movement or the whole global warming thing. To be honest, I’m not sold. But it’s my job to read the market objectively. If you want to make money, you can’t let your…
  • R.I.P. Tapir (5/22/13 – 10/29/14)

    Greg Kadajski
    30 Oct 2014 | 8:19 am
    This post R.I.P. Tapir (5/22/13 – 10/29/14) appeared first on Daily Reckoning. On October 29, 2014, 2:00 p.m. EST, the Tapir – our beloved ungulate – passed away of natural causes. He was born at East Capitol St. NE & First St. SE, Washington, D.C. He was nearly one and a half. A devoted brain-child of loving but misguided Federal Reserve Chairman, Ben Bernanke, he was first spotted in the digital pages of the 5 Minute Forecast on June 24, 2013. Though he left the economy in no better shape than that in which he found it, he did his duty without grumbling, bringing the…
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    Canadian Finance Blog

  • How Much Mortgage Can I Afford?

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

    Tom Drake
    20 Oct 2014 | 2:00 am
    One of the scariest situations is becoming disabled and unable to work. You might want to provide for your family, but your disability can stop you from being able to perform your job. No one likes the idea of being unable to do what he or she used to do in the past. The good news, though, is that if you have a disability that might keep you from working, you might be eligible for CPP disability benefits. Who’s Eligible for CPP Disability Benefits? Not just anyone can draw on CPP disability. First of all, you need to be under the age of 65 when you became disabled and not yet receiving a…
  • Make the Most of Your Money: Investing Your Charitable Donations Credit

    Tom Drake
    14 Oct 2014 | 2:00 am
    When you make charitable contributions, you receive benefits that are both financial and emotional. First of all, you know that you are likely to feel good about your charitable contribution. The feelings that accompany generosity are worth it in and of themselves. However, our government also likes to encourage generosity, and care for the needy. As a result, it’s possible to receive a tax credit for your charitable contributions. While most of us (hopefully) don’t donate just because there might be a financial benefit, it certainly doesn’t hurt that it’s available to…
  • How Much Money Do I Need to Retire?

    Tom Drake
    6 Oct 2014 | 2:00 am
    We’re all looking for a way to secure a future. It’s common to have dreams of a good retirement, with plenty of money to enjoy life. However, you can’t expect to just have enough money to live on if you want to be comfortable. You have to plan ahead. A recent survey from the Employee Benefits Research Institute indicates that more than half of workers in the United States haven’t done a retirement needs assessment. It wouldn’t be unreasonable to assume that Canadians have similar results. This means that there is a good chance that you might not have figured out…
  • The Basics of the Smith Manoeuvre

    Tom Drake
    29 Sep 2014 | 2:00 am
    In the United States, mortgage interest is tax deductible if you meet certain qualifications. However, mortgage interest isn’t tax deductible here in Canada. That doesn’t mean that there aren’t a few cool tricks that you can use to improve your tax situation, and that includes turning your mortgage interest into something that could be tax deductible. The strategy known as the Smith Manoeuvre is something that we Canadians can use to our advantage. What is the Smith Manoeuvre? The Smith Manoeuvre is a strategy that Fraser Smith developed as a financial planner. It worked…
 
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    The Dividend Guy Blog

  • Procter & Gamble (PG) Expensive Dividend Stock?

    DivGuy
    27 Oct 2014 | 2:00 am
    Back in 2012, I did a Procter & Gamble (PG) analysis. At that time, I concluded this was a great dividend stocks but there wasn’t much space for future growth to a relatively high P/E ratio and additional pressures on margins. It seems I was dead wrong: The company went through a tougher period after my analysis (at least, I’m not a complete fool! Hahaha!) but took actions and it is now on the roll. You can see on the following graph that EPS went down on 2013 but kicked back up rapidly. This explain how the stock reacted over the past 18 months: It seems their $10Billion productivity…
  • Genuine Parts (GPC) Third Quarter Results + Why You Should Buy This Stock

    DivGuy
    22 Oct 2014 | 5:23 am
    Genuine Parts just released its third quarter results with record sales totaling $4.0 billion were up 8% compared to the third quarter of 2013. EPS were also up by 11% ($1.24 vs $1.12). We will go through the main highlights of their reports, but first, we will analyze what Genuine Parts has been doing over the past five years and determine whether or not it should be part of your dividend portfolio. This dividend aristocrat has not only increased its dividend payment since 1957, it clearly shows growth on all fronts: revenues, earnings and dividend payments. GPC forecasts a revenue growth…
  • Apple (AAPL) Fourth Quarter Results + Why You Should Buy This Stock

    DivGuy
    21 Oct 2014 | 5:19 am
        Apple just released its fourth quarter with stronger results than expected: $42.1 billion in revenue vs $37.5 in Q4 2013 $1.42 Earnings per share vs $1.18 in Q4 2013 16% sales jump for iPhones 20% EPS growth in 2014 $13.3 billion in cash flow Declared dividend of $0.47/share We will go through the main highlights of their reports, but first, we will analyze what Apple has been doing with its cash over the past few years. If you look at the following graph, you will notice how fast its growth was in 2011 but how revenues are now slowing and 2013’s earnings were less than…
  • Will Boomers Boom Our Market?

    DivGuy
    20 Oct 2014 | 2:00 am
        I’ve heard an interesting theory several times of late. This investing theory explains how the next market crash will happen. This is a bubble that went on for years and nobody suspected it. Have you ever heard how the baby boomers will withdraw so much money from the market to finance their retirement that will generate a massive bear market?   The Theory about the Next Market Crash Here’s a little bit of rationale behind this theory: The baby boomers are the group of people that were born between 1946 and 1964. It was the most massive wave of newborns since the Great…
  • Quick Stock Question: What Will Happen to McDonald’s?

    DivGuy
    15 Oct 2014 | 2:00 am
        Let’s put it this way, while the US stock market is on a super bullish ride, McDonald’s has struggled with a flat return for the past two years. In fact, it’s a blessing the stock pays dividends because otherwise it would have been better to put your money in a money market fund if you only look at the stock appreciation since September 2012!   What is Happening with Mickey D? The optimist will tell you that: MCD is the leader in the fast food industry, It dominates with its incredible locations and their Real Estate is key in their business model, It dominates the…
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    Fiscal Fizzle

  • Thank You

    Peter Kulicki
    17 Oct 2014 | 7:55 am
    To all of my readers, supporters, and friends: As of 2014, this blog is no longer active. Thank you for a wonderful 5 years, where I got to share anything and everything that came to mind about money. Ultimately, my life and my priorities changed, and this blog is no longer a part of that. The site will stay online indefinitely as a resource to those of you still making use of the articles posted here. You can also contact me at anytime with questions. With appreciation, WojoFiled under: Administrative
  • Short and Long-Term Financial Planning

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

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

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

    Peter Kulicki
    20 Jun 2014 | 6:08 am
    I don’t have a whole lot of “free” time on my hands lately, but I do one thing every single day that is required and consistent—I commute. Every single day, I’m afforded the gift of 20 minutes each way in my car with no distractions, except those I choose to create for myself by listening to music or talk radio. Over the last 6 months, I changed my approach to this time with one simple tool—podcasts, and I’m spreading the message to as many people as I can. The longer someone’s commute, in fact, the more they stand to gain from leveraging their time in the car. Podcasts, for…
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    MoneyProblems.ca

  • Do I Need To File Bankruptcy in My 20s?

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

    Moneyproblems Answers
    22 Oct 2014 | 5:00 am
    You can’t have it all. You can’t buy what you want, ignore your student debt, and assume you’ve got lots of tomorrows to begin to build your finances.  You need to set your financial priorities today and build a plan that will make it happen. Here are 5 simple money management tips... Read more The post Managing Money in Your Twenties appeared first on MoneyProblems.ca.
  • A Not So Simple Lesson About Debt

    Moneyproblems Answers
    15 Oct 2014 | 5:00 am
    I was chatting casually with a neighbour recently about how their grandchildren were visiting for the summer and the conversation turned to how proud they were that they were helping teach their grand-kids (one boy and one girl) about debt. A little background as to why this is such an... Read more The post A Not So Simple Lesson About Debt appeared first on MoneyProblems.ca.
  • Consolidating Debt The Smart Way

    Ted Michalos
    8 Oct 2014 | 5:00 am
    One of the money solutions all financial advisors sometimes refer to is debt consolidation.  For those unfamiliar with the term, it means taking out a new loan (or line of credit) that is large enough to pay off all of your existing borrowing.  The reason you might do this is two... Read more The post Consolidating Debt The Smart Way appeared first on MoneyProblems.ca.
  • Curveball Accounts

    Gail Vaz-Oxlade
    1 Oct 2014 | 5:00 am
    It doesn’t matter how committed you are to budgeting, there are times when the unforeseeable waltzes into your life and poops on your carefully made plans. When Suzie Q wrote to me to say she had three months’ worth of emergency money, a car fund, a kids’ fund, a yard... Read more The post Curveball Accounts appeared first on MoneyProblems.ca.
 
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    JoeTaxpayer

  • 2015 Retirement Plan Limits

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

    Joe
    13 Sep 2014 | 4:00 am
    An issue that wont go away and lately, pretty tough to ignore.
  • When the Middle Class is No Longer

    Joe
    22 Aug 2014 | 4:00 am
    A couple weeks ago, I read a Times’ article The Typical Household, Now Worth a Third Less. The punchline of this article was the fact that the US median household saw their net worth fall from $87,992 in 2003 to $56,335 in 2013. The article linked to a report, Wealth Levels, Wealth Inequality, and the Great Recession. It offered further context to the median wealth numbers. Keep in mind, during this period, stocks, as measured by the S&P 500, rose by an inflation adjusted 61%. Yet, total wealth (look at the first line, the mean number) fell by 8.6%. This would be disturbing enough,…
  • Farewell to a Great Comedian

    Joe
    16 Aug 2014 | 4:00 am
    I was watching an old tape of Comic Relief ’87 when I saw the Tweets that Robin Williams had passed away. He had an amazing career, graduating from stand-up comedy to TV, to roles in movies which showed his amazing range of talent. The only other celebrity that I believe can claim such range is Tom Hanks. Let me know if you have another nomination for ‘best range’. Rest in peace, Mr. Williams.
  • Lobster-Nomics

    Joe
    25 Jul 2014 | 4:30 am
    I was away for a weekend, at a friend’s house on the lake in New Hampshire, and we went to pick up lobsters for diner. The price list caught me a bit off guard. I always understood the larger lobsters would cost a bit more per pound, so for example, the 1-1/2lb lobster is $18 vs $10 for the 1lb’er. No issue with that. What struck me was the drop in price per pound for the 4lb or bigger. Let’s do the math, 2lbs for $26, 3lbs for $39, 4lbs for $32. Let’s fill in the gap, 2.5lbs for $32.50. I did the math and wondered why anyone would buy one between 2 and 4 pounds. If…
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    Financial Samurai

  • Do You Have The Right Money Mindset To Get Rich?

    Financial Samurai
    30 Oct 2014 | 3:38 am
    Priceless Art, Deep Thoughts A 63 year old man knocked on my garage door at 9:30am. I let him in because he was one of my contractor’s helpers. His task for the day was to install baseboards in my downstairs hallway and put up crown moldings in my master bedroom and master closet. For a couple months I deliberated whether to put crown moldings in my downstairs rooms to match the upstairs rooms. I was so tired from sanding and painting all the walls that I thought “good enough is good enough.” But as I went to view several nice open houses for design inspiration, I realized…
  • Should I Contribute To My 401K Or Invest In An After-Tax Brokerage Account?

    Financial Samurai
    28 Oct 2014 | 3:48 am
    The great thing about a 401k is that you are contributing with pre-tax money. The higher the tax bracket you are in, the more tax savings you will have. If you can start withdrawing from your 401k when you’re in a lower income tax bracket, then you’ve successfully conducted some tax engineering to boost your wealth. The problem with the 401k is the 10% early withdrawal penalty before age 59.5. If the government gets desperate, they can raise the early withdrawal penalty percentage or increase the age limit. I ascribe a 75% chance one of these two things will occur over the next…
  • Why Would An Aerospace Engineer Want To Be An Uber Driver?

    Financial Samurai
    26 Oct 2014 | 4:08 am
    Harry Ubering Previously, I had written about my struggling friend Jabir who was unemployed for a couple years before he discovered Uber. He drove for Uber for a year before switching over to be a dedicated hotel driver. In this post, my other friend Harry shares why he drives for Uber even though he’s financially thriving. Enjoy!     Normally when I’m out putting around in my SUV driving people around for Uber (or Lyft – I do both), the first question they ask is: “So do you do this full time?”  Reluctantly, I usually tell them, “No, I also work for an…
  • How One Company Is Trying To Screw Over A Loyal Employee

    Financial Samurai
    24 Oct 2014 | 4:08 am
    No Escape by Horizon For 10 years, Rachel dedicated her life to working for Up Yours Inc. She rose through the ranks from analyst to senior manager. But her path wasn’t smooth. I told her to find another job many times before because they weren’t treating her well. When it was time for her to get a promotion two years ago, she was passed over for another male colleague. The guy was qualified, but she was more qualified. Unfortunately, she had to wait another 6 months before being considered again. The great kick in the pants is that the guy who got promoted quit six months later…
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    Automatic Finances

  • Bank of America Talks Their Mobile Banking Strategy

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

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

    Jason Unger
    28 Oct 2014 | 6:04 am
    No one wants to be the victim of an online scam or security breach. But it’s going to happen to someone — and you definitely don’t want it to be you. So what should you do to protect your money online? Well, there’s a lot of things. In fact, there’s a whole, long article in Bloomberg Businessweek about it. Read it here. But if there’s one thing that’s going to be the most effective at protecting your money online, it’s monitoring your accounts. So says Aviv Raff, chief technology officer at Seculert, which “specializes in helping…
  • If Your “Bank” Asks You To Do These, Something’s Wrong

    Jason Unger
    27 Oct 2014 | 5:47 am
    Since we’ve been talking a lot about banking security recently, it’s a good opportunity to remind you of some tips to keep your account (and money) safe. Most of these items are going to seem like common sense, but you’d be shocked how often they’re used successfully to steal account information. If your bank asks you to do any of these eight things, something is wrong. They’ll never ask you to do them, so if they do — you’re not talking to your bank. From MoneyFacts: 1. Ask for your full PIN number or any online banking passwords over the phone or…
  • Guess What? People Are Generally Happy With Their Banks

    Jason Unger
    23 Oct 2014 | 7:34 pm
    Now here’s something you may not have been expecting. According to the second annual TD Bank Checking Experience Index, Americans tend to be pretty happy with their banking experiences. The survey found that 86% of consumers say their daily experience with their checking account is excellent or very good — up from 83% in 2013 — and 85% of consumers say their bank is excellent or very good when it comes to accessibility — up from 83% last year. OK, so the survey is from a bank, but they did talk to more than 1,500 people who use a variety of banks. Here’s…
 
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    Personal Finance Blog

  • Start Early To Teach Kids Finances

    Twila VanLeer
    28 Oct 2014 | 6:30 am
    Teaching kids to save money can help them in all aspects of life.Like everything else, children have to learn the basics about personal finances in ways that make sense to them. Unfortunately, money matters often are overlooked when it comes to what’s important for them to know. Starting early and being consistent are the keys to helping your children avoid the big bump that comes with hitting the financial world uninformed. Start with regular savings. If the child has an allowance, convince him or her that putting a portion of that money into savings is a good idea. Don’t just assume…
  • Will You Work Past Retirement?

    Twila VanLeer
    27 Oct 2014 | 6:48 am
    There’s a new term going around among economy experts. “Unretirement.” It has to do with Americans who have reached ordinary retirement age, but haven’t retired. Chris Farrell of MarketPlace thinks it’s a good thing that will help in the country’s recovery from the recession that began in 2008. Not only does prolonged working benefit the “unretiree” but it is a boon to younger workers, he argues. Farrell even wrote a book about the phenomenon, titled “Unretirement.” Geoffrey Norman of the Wall Street Journal is another who thinks working longer can have significant…
  • Here’s The Scoop on Roth IRAs

    Twila VanLeer
    27 Oct 2014 | 6:19 am
    Make saving money automatic every month. The easier it is to save the better for you in the long run.Many Americans have a Roth IRA as one component in their retirement scheme, or rely on such an Individual Retirement Account as the mainstay of their plans. A 19-year-old who began contributing $1,500 to such an account could expect to have some $608,000 by age 65, given 7 percent average annual earnings. That’s a healthy bit of money to support one’s post-employment years. Of course, not every Roth IRA holder leaves his savings to accumulate that much retirement income, but the prospect…
  • Small Businesses Also Get Hacked

    Twila VanLeer
    23 Oct 2014 | 9:11 am
    Scott Schrober, CEO of Varitronic Systems,Everyone has heard, read about or seen the multi analyses of the disastrous computer breaches at JP Morgan Chase, Target and Home Depot, but what about the small businesses that have suffered similar (possibly greater when you consider scale) crises? About 44 percent of the small companies in the country have been affected by cyber crime, according to a 2013 survey by the National Small Business Association. The average cost of dealing with the damage was $8,700, the association reported. The small businesses often become part of the damage inflicted…
  • Here’s How The Money Goes!

    Sherry Tingley
    20 Oct 2014 | 6:00 am
    About 61% of Americans do not budget or keep close tabs on their money.How Americans get, spend and save (or don’t save) money was the topic of a 2014 Consumer Financial Literacy Survey conducted by Harris Polling. In the March survey, 2,016 adults were questioned about how they handled money. Budgeting, at the top of the list, seems to be a problem for the majority (61 percent) of Americans. Only 39 percent of those polled say they have a budget and keep close tabs on what they spend. Experts in personal finance consistently argue that the first step toward controlling money is to have and…
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    Unbiased financial advice from fee-only financial planners

  • Credit Scores 101

    Kimberly J. Howard, CFP®, CRPC®, ADPA®
    22 Oct 2014 | 10:35 am
    Most people have credit cards. Your credit score matters, so don’t take it for granted. And if it is low, here are ways to give it a turbo boost. The most commonly used credit score is from FICO, and it … Continue reading …
  • Social Security

    Jim Blankenship, CFP®, EA
    22 Oct 2014 | 6:17 am
    COLA for 2015 Set at 1.7% The Social Security Administration announced today that the annual automatic Cost Of Living Adjustment (COLA) for Social Security benefits in 2015 will be 1.7%. This is comparable to the 1.5% COLA for 2014, and is the 5th time in the past six years that the adjustment has been less than 2%. Look for more articles in the near future with details on earnings limits, bend points, and other factors affected by the COLA. Post originally appeared as Social Security COLA for 2015 Set at 1.7% on Getting Your Financial Ducks In A Row The…
  • The Benefits of Financial Planning

    Jim Blankenship, CFP®, EA
    22 Oct 2014 | 5:18 am
    If you’re wondering about whether or not you need to do some financial planning, either on your own, using resources on the internet, or by hiring a financial planner, you might want to know what the benefits of financial planning are. From my perspective of many years providing financial planning and advice to folks, there are three primary benefits of financial planning: Organization, Efficiency, and Discipline. We’ll talk about each of these in order. Organization One of the most important benefits of financial planning is ORGANIZATION. Statistics tell us that fewer than 25% of…
  • Should You Be Building Bond Ladders In This Lower Rate Environment?

    Matthew J. Illian, CFP®, AIF®
    22 Oct 2014 | 5:00 am
    There was an interesting article by Joseph Lisanti in Financial Planning Magazine entitled, “Should You Be Building Bond Ladders?” which read in part: As with many strategies, laddering works best for clients with sufficient assets to benefit fully from it. “It is a tried-and-true strategy,” says Morris Armstrong of Armstrong Financial Strategies, an RIA in Danbury, Conn. But even high-net-worth clients can’t eliminate one of the major drawbacks to laddering now. “For me, it’s preferable in a rising-rate environment,” says Armstrong, noting that if you ladder two-, three- and…
  • How Strong is the Bear Case?

    Don Martin
    21 Oct 2014 | 2:46 pm
    The bear case became a lot stronger starting with the 4-19-2014 article in Barron’s that interviewed Rob Arnott where he discussed just how weak real GDP is now and has been for a long time. Then widespread acceptance of the fact of low global growth and lack of credibility of any stimulus plans in the world, including QE, ZIRP further reinforce the bear case. Just when talk got louder in 2Q2014 of a rate rise suddenly a few months later rates tumbled and the secular stagnation theory became widely accepted. Stocks broke through their 200 DMA in October 10, 2014 …
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    Budgets Are Sexy

  • What Would Happen If Everyone Could See Your Worth?

    J. Money
    31 Oct 2014 | 2:02 am
    A genius by the name of Carl Richards recently posed this question in a New York Times piece, and I can’t stop thinking about it: What would happen, I asked, if we had to walk around with our true wealth flashing as a number above our heads? It would be the end of consumerism, he replied. Why would you need to buy something to represent wealth if everyone knew exactly what you were worth already? Imagine that? If your net worth number showed above your head when you walked around town? Or in business meetings or at Starbucks or while hanging out with friends? I’m not sure…
  • WTF Wednesday: Five-Finger Fresheners

    J. Money
    29 Oct 2014 | 2:02 am
    What up what up! And welcome to the first post of a new series I like to call “WTF Wednesdays.” Now you might be thinking to yourself, “WTF are WTF Wednesdays?” If so, allow me to enlighten you. WTF Wednesdays will be dedicated to the random, the wacky, or the straight up weird stuff that people do (or that’s done to them) – all in some way related to money of course. Today’s tidbit was inspired by the unfortunate occurrence of our car failing to start in our driveway one morning. And in case you were wondering – yup, the whole fam was packed up…
  • 10 Habits That Made Me a Millionaire at 27

    J. Money
    27 Oct 2014 | 2:02 am
    [Happy Monday guys :) Thought we'd start it off right this week with a pretty kick-ass article from my old friend Anton. Last time he shared with us his money lessons from growing up in the former USSR, and now - a year later - he's officially a millionaire and shares how he achieved this. How many of these habits are you currently doing?] Earlier this year, shortly before my 27th birthday, I became a millionaire. It wasn’t a sudden thing and I pretty much expected it, but it felt absolutely awesome nevertheless. Checking your Mint account and seeing a cool $1 million net worth is a…
  • Having Enough

    J. Money
    24 Oct 2014 | 2:06 am
    Every few weeks I’ll lean in to my wife and whisper, “If I were to die tomorrow, I’d be a happy man.” It freaks her the hell out (and rightfully so) but it’s a reminder to her, and more importantly to myself, that as of this day in time I have enough. I have enough love. I have enough things. And I (almost) have enough money ;) It’s a pretty powerful thing to realize. When you truly have enough you no longer spend energy or time chasing stuff in hopes they fulfill you. You still desire things like, say, millions of dollars or a 6 pack of beer/abs, but you…
  • Republic Wireless Motorola E Giveaway! (x2)

    J. Money
    22 Oct 2014 | 2:04 am
    What up what up frugal gangsters! My new favorite wireless carrier just released their latest (cheap-as-hell) smart phone, and because they think budgets are sexy too they’re shipping me two to give away to y’all today :) Along with 3 months of free service! (How’s that for frugal?) I know I’ve been mentioning Republic Wireless a lot over the months, but that really is only because I feel like I’ve stumbled across a gem here and I want to make sure y’all know about them too. If you’re happy with your own carrier and/or are annoyed with these updates,…
 
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    Smart On Money

  • 3 Signs You Need Help with Your Debt

    Miranda Marquit
    17 Oct 2014 | 1:42 pm
    One of the most difficult issues to overcome is debt. If you have a lot of debt, it can be difficult to move forward with your finances. The interest payments suck away your disposable income, and once you are stuck in the cycle, it can take serious effort to get out. In some cases, you might even need help dealing with your debt. You can get help from a legitimate counselor with the National Foundation for Credit Counseling, or get help from a fee-only financial planner. Here are 3 signs that you might need to seek professional help with your debt: 1. You Only Have Enough for…
  • What Do You Do With Your Savings?

    Miranda Marquit
    11 Sep 2014 | 10:38 am
    One of the basic pieces of advice that we are often given about money is to save more. But where do you put that money? And what should you do with it? Create Goals for Your Savings While saving money just to save money does make sense in some ways, the reality is that few of us are willing to keep doing something “just because.” As a result, it makes sense to carefully consider your desired outcomes and figure out what you hope to accomplish with the money you are saving. First off, really think about what you hope to have happen with your money. Do you want some of it to go…
  • Why I’d Rather Pay $10,000 to Unload My House Than Become a Landlord

    Miranda Marquit
    4 Aug 2014 | 1:26 pm
    There are people out there who are made to be landlords. They like the idea of having someone else pay the mortgage on a home or apartment building and enjoying the ability to build equity on the property without using their own money. Once the property is paid off, the monthly rent is income (offset by the cost of taxes, insurance, and keeping the property up). I totally get why some people love the idea of getting into real estate and renting out property. I even get why many people who, upon moving, decide that they would rather rent out the old home than sell it. I am not one of those…
  • Watch Out for Interest-Only Home Loans

    Miranda Marquit
    9 Jul 2014 | 8:25 am
    Now that the economy has picked up some, the housing market is recovering a little, and memories of the financial crisis are fading, some lenders are re-introducing a few “creative” financing methods. It’s possible to get an interest-only mortgage again, or get a loan with a low, low rate at the beginning. An interest-only loan is tempting because the borrower only pays the interest each month. This state of affairs can last from five to 10 years. When you only pay the interest, it feels like you can “afford” more house. You aren’t paying the principal, so…
  • How To Stop Feeling Pessimistic About Retirement

    Miranda Marquit
    7 Jul 2014 | 6:54 am
    When many Americans think about retirement, they are pessimistic — and for good reason. According to a recent COUNTRY Financial Security Index survey, 25 percent of Americans say that they are not saving for retirement at all. If you aren’t saving toward your retirement, it’s hard to be optimistic about it. Additionally, there is a great deal of pessimism among people in my own age group (age 30 to 39) about the ability to have a comfortable retirement. In fact, 47 percent of adults in my age group think that it’s impossible for a middle-income family to save for a…
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    Financially Poor

  • Make Sure You’re Getting The Best Of Deals

    Kevin
    31 Oct 2014 | 6:13 am
    Many people are in debt today, and feel like that they will never be free of it. But you can gradually work yourself out of it, by following the simple principle that you should live within your means.  One of the best ways to keep your expenditure down is to keep on track of how much all those essentials in life are costing you. If you budget sensibly across the board, you’ll find that you spend less each month and you may one day be out of debt and even able to start putting money aside into savings.  So, for instance, look at your food shopping. Think about how and where you shop and…
  • Are Deal Sites Really That Great Of A Deal?

    Kevin
    29 Oct 2014 | 5:53 am
    You have surely heard of the many Social Discount sites that have been popping up all over the Internet. Groupon, Social Buy, Living Social and Dealster are just a few of the many group discount sites out there. These sites offer rock bottom pricing on great deals around your city if enough people take advantage of the offer. This can mean savings of anywhere between 50-90% off of the actual retail price. It sounds great, but are these deals really too good to be true? How Do They Work? If you haven’t used these sites before, basically you will receive a daily email letting you know what…
  • A Guide to Finding the Ultimate Home Insurance Deal

    Kevin
    28 Oct 2014 | 5:27 pm
    Home insurance: everybody needs it to protect their property should disaster strike. If you don’t have it, you’re taking a massive risk. Nobody wants to believe that they would fall victim of a robbery, fire, or flood, but it can happen to anyone. This means you need to find the ultimate home insurance deal to suit your needs. How can you do it? Read on to find out: photo source: Flickr Use Comparison Sites Comparison sites are great when it comes to searching for the best possible deals. They’ll compare hundreds of different sites to show you the cheapest deals. However, you should…
  • 6 Important Barcode Scanner Features You Need to Think About

    Kevin
    28 Oct 2014 | 5:21 pm
    There are a lot of options to pick from when trying to find the barcode scanner that best fits your business. Considering the saturation of barcodes and barcode technology in general across most commercial and industrial fields today, it’s not surprising to see so many different choices and options to dig through. Picking the device that will work best with your business might seem daunting at first, but it’s actually not that difficult to distill your prime needs and significantly narrow down your scanner options. So, before you even think of hitting the marketplace on the hunt for…
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    Couple Money

  • Why Do We Fight About Money?

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

    Elle Martinez
    22 Oct 2014 | 2:39 pm
    There are strong feelings on the pros and cons of sharing checking and savings as a couple. The latest episode of the Couple Money Podcast shares some tips on how you can go about on combining your finances and how to start your first budget as a couple (you can listen to it below). For now, though, I want to pitch to you how they can boost your marriage and your finances.  Catch the podcast on iTunes: Simply click on this link and you’ll be taken to Couple Money’s page. Listen on Stitcher: Please click here so you can catch all episodes. Less Hassle with Bills By combining our money…
  • How to Talk About Money Without Starting a Fight

    Elle Martinez
    16 Oct 2014 | 8:56 am
    One of the most helpful things the two of you can do to strengthen your marriage and finances is sit down and be open with one another about your joint and individual finances. Unfortunately many couples allow their fears about how wrong it could go stop them from doing this. This lack of communication can cause huge problems so if you haven’t already, make some time this week to discuss this with your husband or wife. How do you get started? What should you discuss with the first talk? Here are ideas that I believe can help both of you be productive and reduce money arguments. Be…
  • Merging Finances: My Interview with Mint

    Elle Martinez
    14 Oct 2014 | 7:22 pm
    As many readers know, I’ve recommended and used Mint to keep track our net worth on a month basis for a few years. It’s a wonderful and free tool that allows the two of you get all of your accounts organized easily in one spot. They recently asked me to do an interview and I was happy to say yes. The topic was something we cover here – merging finances as a couple. We started off with why couples argue about money and went from there. Here’s a snippet: What are some common reasons couples argue about money? I think one big factor is that couples don’t really…
  • Master Your Network & Survive a Layoff

    Elle Martinez
    11 Oct 2014 | 3:02 pm
    Layoffs can not only wreck your finances, it can also be a huge emotional stress. While most of us cannot stop a layoff from happening, there are steps we can do to minimize its impact and increase our chances of finding more work. That was the case Eric found himself in a few years ago. He found out that layoffs were coming when the his local news announced that his company was being bought.  Being familiar with the business, he knew he needed a plan to find another job. He came on the Couple Money Podcast and took us through his process and how his well maintained network came through for…
 
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    Beating Broke

  • Collections for Freelancers

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

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

    MelissaB
    29 Sep 2014 | 6:56 am
    My husband and I recently bought a house, and we’d like to plump up our emergency fund just in case we have a large house expense.  (Because, of course, when you have little savings, expensive things start to break.  It’s the law of nature, right?) To inspire myself, I reread America’s Cheapest Family Gets You Right on the Money by Steve and Annette Economides.  One strategy of theirs that I latched onto is once a month shopping.  The Economides shop once a month for their family of seven and right after shopping day, they make 15 to 17 freezer meals to help them on…
  • Lending Club Is Now Offering Business Loans

    MelissaB
    28 Aug 2014 | 7:52 pm
    You likely know Lending Club is a peer-to-peer lending site that offers personal loans to individuals as well as the chance for personal investors to invest by lending money to individuals. Now, however, Lending Club is expanding their services and offering business loans.  This is of particular interest if you own a business. If You’re Looking to Lend Money to a Business If you’re already investing in Lending Club, you may want to lend money to a business as well.  However, ordinary investors cannot yet do that.  “For now. . .the program is limited to institutional…
  • Is It Worthwhile To Still Use Credit Cards with So Many Data Breaches?

    MelissaB
    13 Aug 2014 | 5:51 am
    Just recently, PF Chang’s acknowledged that 33 of their restaurants had suffered a security breach over the last 8 months and that the credit card numbers as well as possibly the customers’ names and the expiration dates of the cards were compromised.  This news should be shocking or surprising.  Unfortunately, data breaches have become common place.  Just consider the recent security breaches at Target, Michael’s, and Neiman Marcus, to name a few. If you’re diligent about shredding your personal information so that it can’t get into the wrong hands,…
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    MichaelHaltman.com

  • Banks Brought Up for Criminal Behaviour

    MichaelHaltman
    30 Oct 2014 | 11:19 am
    An allegation that a number of major banks have been acting like cartels has been made by the European Commission, who pinned up to 93.9 million euros of a fine on them as a penalty. An example of this is the JPMorgan Chase bank who were fined nearly 70 million euros for messing with the Libor benchmark in Switzerland which was deemed to be the behaviour of an “illegal bilateral carter.” However, the Royal Bank of Scotland escaped being penalised because it snitched the cartel out to the authorities, thus saving itself 10 million euros. The EU said that “anti-cartel enforcement is a top…
  • Political Bumper Stickers Provoke a Stabbing

    MichaelHaltman
    24 Oct 2014 | 3:27 pm
    Violence can happen for any number of reasons, but a recent stabbing reported by The Moscow Times seems to have been provoked for quite the odd reason. A simple bumper sticker stating “Putin, go away!” is the culprit here. A political activist, living in the South of Russia, was seen to have covered his vehicle with stickers denouncing the current President of Russia Vladimir Putin. The victim, Viktor Chrikov, was an active member of the Council for Human Rights at the Kremlin. A tweet stating that he had been attacked was posted by a friend of his, along with a photograph of the…
  • What Chris Christie Doesn’t Understand About the Minimum Wage Problem

    MichaelHaltman
    23 Oct 2014 | 2:15 pm
    The national debate on minimum wage took an interesting turn this week during an event at the Chamber of Commerce where New Jersey Governor Chris Christie was quoted as saying, “I am tired of hearing about the minimum wage.” While Governor Christie may be “tired” of hearing about it, there are far more people who are tired of living on it. Christie went on to remark, ‘You know, honey, if our son or daughter could just make a higher minimum wage, my God, all of our dreams would be realized.’ Is that what parents aspire to?” Yes, it is true that Igor Cornelsen and…
  • Greek Stock Market Loses 9% on Wednesday

    MichaelHaltman
    20 Oct 2014 | 10:19 pm
    With ISIS, Ebola, and the Hong Kong riots taking center stage regarding the latest world news, one event that’s currently being overshadowed is the sharp decline in the Greek stock market. On Wednesday alone, the Greek market lost 9%. In the meantime, the ones taking the biggest of the initial hits are the Greek banks. Brazilian investment in the banks is also prevalent, says industry analyst Gianfrancesco Genoso, though a healthy market uptick in Brazil has mitigated the impact of the drop. The two biggest factors that are pushing the Greek markets into a downward spiral, according to…
  • The Truth About Young Bride Thea is Revealed

    MichaelHaltman
    17 Oct 2014 | 3:18 pm
    Child brides are a problem throughout the world. While this is not allowed in America and there would certainly be arrests made (I’m looking at you, Chris Hanson), there are many countries that do allow very young girls to get married, even if this is against their own wishes. In order to promote awareness and encourage people to donate to the cause, an international aid organization called Plan hatched a scheme that actually worked very well. Plan teamed up with a young bride to write a blog about her thoughts and feelings on her upcoming marriage. The girl, Thea, was 12 years old and…
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    The Economic Peephole

  • Banks Brought Up for Criminal Behaviour

    MichaelHaltman
    30 Oct 2014 | 11:19 am
    An allegation that a number of major banks have been acting like cartels has been made by the European Commission, who pinned up to 93.9 million euros of a fine on them as a penalty. An example of... [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • Political Bumper Stickers Provoke a Stabbing

    MichaelHaltman
    24 Oct 2014 | 3:27 pm
    Violence can happen for any number of reasons, but a recent stabbing reported by The Moscow Times seems to have been provoked for quite the odd reason. A simple bumper sticker stating “Putin,... [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • What Chris Christie Doesn’t Understand About the Minimum Wage Problem

    MichaelHaltman
    23 Oct 2014 | 2:15 pm
    The national debate on minimum wage took an interesting turn this week during an event at the Chamber of Commerce where New Jersey Governor Chris Christie was quoted as saying, “I am tired of hearing... [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • Greek Stock Market Loses 9% on Wednesday

    MichaelHaltman
    20 Oct 2014 | 10:19 pm
    With ISIS, Ebola, and the Hong Kong riots taking center stage regarding the latest world news, one event that’s currently being overshadowed is the sharp decline in the Greek stock market. On... [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • The Truth About Young Bride Thea is Revealed

    MichaelHaltman
    17 Oct 2014 | 3:18 pm
    Child brides are a problem throughout the world. While this is not allowed in America and there would certainly be arrests made (I’m looking at you, Chris Hanson), there are many countries that... [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
 
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    Compare Australian Credit Cards and Offers

  • Citi Prestige Card Review – Rates & Details

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

    Jeremy Cabral
    20 Oct 2014 | 11:15 pm
    Enjoy unique experiences and discounts at premier destinations around the world with the Bankwest Qantas World MasterCard through the World MasterCard Travel Program. The post Bankwest Qantas World MasterCard – Rates and Fees appeared first on Compare Australian Credit Cards and Offers.
  • Virgin Australia Velocity High Flyer Card Review – 20k Bonus Points

    Isaiah James Peralta
    14 Oct 2014 | 1:15 am
    Enjoy 20,000 bonus points and discounts on up to four flights a year when you fly with a friend with the High Flyer Card. The post Virgin Australia Velocity High Flyer Card Review – 20k Bonus Points appeared first on Compare Australian Credit Cards and Offers.
  • American Express Free Flight Destinations

    Jacob Joseph
    18 Sep 2014 | 9:35 pm
    If you're an American Express Platinum Edge or Platinum Reserve Credit Card account holder, you can get one free return domestic flight to and from selected Australian airports every year. Find out where you can fly and some important terms and conditions about the American Express free flights offer here. The post American Express Free Flight Destinations appeared first on Compare Australian Credit Cards and Offers.
  • Comparing the best Australian Frequent Flyer credit cards for international travel

    Jacob Joseph
    18 Sep 2014 | 7:32 pm
    Find a credit that gives you more frequent flyer points when you spend, a card that gives you free travel insurance or a card with no foreign transaction fees. Find the best credit card to take on your international trip. The post Comparing the best Australian Frequent Flyer credit cards for international travel appeared first on Compare Australian Credit Cards and Offers.
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    Good Financial Cents

  • Will the Deferred Income Annuity Save Your 401k?

    Jeff Rose
    27 Oct 2014 | 1:33 pm
    If you have never heard of a deferred income annuity, get ready, because you’ll probably be hearing a lot about them in the near future. And honestly, you should want to! Deferred income annuities address a major weakness that is a part of current tax-deferred retirement plans, such as 401(k)s: what to do with your retirement plan when you actually retire. That’s where deferred income annuities come in. They’re a valuable tool you can use that can preserve your investment capital, and make sure that you have a steady income for the rest of your life – no matter how long you…
  • The Simple Way to Find Out How Much Investing Risk You Can Stomach

    Jeff Rose
    15 Oct 2014 | 1:26 pm
    Risk is everywhere. All I have to do is turn on the news to be reminded of that. I think it’s easy to go about our day-to-day lives and forget that bad things can happen – until suddenly they do. Speeding down the highway. Smoking cigarettes (or anything else). Driving after one too many drinks. All of these are examples of risky behavior. Could you do it and be fine? Maybe. But each of these behaviors carries an element of risk of harm to yourself and others. The sad truth is that risky behavior sometimes ends in tragedies – some worse than others. And sometimes, we don’t…
  • Grow Your Dough Throwdown – It’s Almost Done! (October Update)

    Jeff Rose
    9 Oct 2014 | 12:48 pm
    The Grow Your Dough Throwdown is almost over (sigh). It’s been a fun challenge, and it’s been exciting to see how my different portfolios have held up. **You can check out the original announcement post here. And here is the March update, May update, and the Midyear update. What hasn’t been exciting is seeing the other personal finance bloggers that are kicking my butt. Like, serious butt kicking. Either way, it’s been fun, and I’m looking forward to announcing that the Grow Your Dough Throwdown 2.0 will be happening next year. This one should be bigger and better, and I can’t…
  • GF¢ 040: Everything You Need to Know About Your Credit (that you probably don’t)

    Jeff Rose
    6 Oct 2014 | 7:01 pm
    As a Certified Financial Planner, I know a lot about financial planning issues, but there’s one thing that I didn’t realize I didn’t know much about and that thing is credit. Several years ago, I went on a bold quest to find what my true credit score was and in doing so, I quickly learned that there are many different types of credit scores.  You can see that quest here. That’s when I realized that there were a lot of things about credit that I didn’t know. I was determined to find out, so I did a lot of research so that I understood how credit works especially since I devoted…
  • GF¢ 039: Reader Question: What is The Best Thing to Do With an Old 403(b)?

    Jeff Rose
    1 Oct 2014 | 9:17 am
    Well, whether you need PROFESSIONAL professional help is up for debate, but when it comes to your finances, don’t rely on Google. You need someone who knows what they’re doing.   Consider this example: I am 45 years old with 3 young children.   My biggest concern is that in about 10-12 years, they will be going to college.  I have a good job and currently make $75,000 per year.   I don’t have college savings plans set up for them at the moment.  I’m considering opening a Roth IRA and maxing it out every year so they use it for college.   I also have…
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    One Family's Blog

  • Tracking Ken Fisher's Fisher Asset Management Portfolio - Q3 2014 Update

    ks
    24 Oct 2014 | 12:06 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! ]]
  • Performance At Expiry Of Financial Crisis Era Warrants Vs. Common Stock - Comparative Analysis

    ks
    24 Oct 2014 | 12:00 am
    Below is a spreadsheet that summarizes the price-sensitivity of warrants issued during the financial crisis relative to common stock at expiry. To see a detailed analysis, please check-out our Seeking Alpha column: [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • Tracking Ole Andreas Halvorsen's Viking Global Portfolio - Q2 2014 Update

    ks
    13 Oct 2014 | 1:43 am
    Below is a spreadsheet that highlights the changes to Ole Andreas Halvorsen's Viking Global Portfolio this quarter.   Please check-out our SeekingAlpha column for an analysis of the moves: Viking Global was established in 1999 and Ole Andreas Halvorsen is considered one of the most successful among the "tiger cubs" and he currently manages over $25B. To know more about Julian Robertson [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • Tracking Tweedy Browne Portfolio - Q2 2014 Update

    ks
    13 Oct 2014 | 1:33 am
    Below is a spreadsheet that highlights the changes to Tweedy Browne's portfolio this quarter.  Please check-out our SeekingAlpha column for an analysis of the moves:  To learn more about Tweedy Browne and its legendary investor Christopher H. Browne's (1946-2009) investing philosophy, check-out his book "The Little Book of Value Investing". To learn more about how to profit from a [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • Tracking Dan Loeb's Third Point Portfolio - Q2 2014 Update

    ks
    13 Oct 2014 | 1:15 am
    Below is a spreadsheet that highlights the changes to Dan Loeb's Third Point Portfolio this quarter. Please check-out our SeekingAlpha column for an analysis of the moves: To know more about Dan Loeb's Third Point, check-out his letters to shareholders at their site. His activist investing style that is epitomized by scathing letters to CEOs is covered in "Chapter 7: The Poison Pen: Dan [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
 
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    Cash The Checks

  • 4 Ways To Save On Homeowners Insurance

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

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

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

    Edwin C.
    12 Sep 2014 | 9:58 pm
    10 years ago, adjustable rate mortgages were all the rage. Both loan officers and real estate agents would convince naive home buyers that ARM loans were not only affordable but their only option if they wanted to own a home. Their reasoning was that home values would increase, the home would build equity and new homeowners would then be able to refinance their loans before the rate would adjust in 5 years. But home values didn’t increase and thus homeowners were left with an underwater mortgage they were not able to refinance. When their payments went up, they couldn’t afford the…
  • 5 Tips For A Successful Garage Sale

    Edwin C.
    31 Aug 2014 | 2:53 pm
    Garage sales are a great way to clear out clutter and make a little extra money during the process. For shoppers, finding great bargains and haggling can make for an exciting weekend morning. Garage sales held in the spring and summer months tend to do very well and with all of the free advertising options available, it’s easier than ever to have a successful garage sale. However, getting customers to your sale is only half the battle, you’ll also need to know how to price your items. Read on for 5 great tips to help you price your items correctly and have a successful garage sale. The…
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    AuctionWally.com

  • Fire in Magnolia Village – Gloucester, MA

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

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

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

    walt kolenda
    22 Oct 2014 | 7:32 am
    From my Desk When I went to auctioneer’s school to get my license they said: “you will see it all, so be prepared for anything and everything!” I never realized that a disease could  have an economic impact on the antiques & auction world, but apparently, that is possible. What to do? Let’s look at what is happening,  what we have control off, what we don’t, and what we can do about what we do have control of. Ebola Economics What’s happening?: Right now a lot of people are going into panic mode, they are not spending because they fear some type of…
  • Coca-Cola Machine 1957 Vendo Coke Appraisal

    walt kolenda
    21 Oct 2014 | 3:22 pm
    1957 Rare Vendo Coca-Cola Vending Machine 1957 Vendo Coke Machine tag 1957 Vendo Coke Coca-Cola Machine Appraisal Carol asks: This is a 1957 Coke vending machine in good working condition.  It is the original paint and is all in tact. If you have any questions please let me know. Auctionwally says: Carol, you’re 1957 Vendo Coca Cola machine is an iconic American classic. This was once a staple at gas stations and arcades across the United States. It’s been said that the formula to coca-cola was so prized a secret, that only two people in the company had access to it at any given…
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    Financial Highway

  • 5 Tips for Discussing Money with Your Life Partner

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

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

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

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

    Guest
    22 Sep 2014 | 3:00 am
    No matter what your background, making a great income, saving money, and managing personal finance are important. With this in mind, we’ve discovered seven websites that can help you become an even more effective money manager. Some are brand new, while others have been newly designed. Here they are, in no particular order. The Minimalists Prepare to be amazed. These two guys have pared down their possessions, live the way they want to live, and are completely unencumbered by extra stuff. Buying things you don’t need, paying to store and maintain them, and going into debt just to impress…
 
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    Credit.com

  • Americans Are More Afraid of Credit Card Fraud Than Terrorism

    Mitchell D. Weiss
    30 Oct 2014 | 9:01 pm
    As the holidays approach, more and more consumers are clutching their purses and wallets. But that anxiety has little to do with budgetary constraints. In fact, according to a recent Gallup spending forecast, retailers can expect an above-average shopping season this year. The thing that’s got consumers on edge these days is digital fraud. Gallup first started asking consumers in 2000 about their worries around the interlocking of technology and credit. The results from this year’s annual Crime Poll, though, are particularly noteworthy: More than two-thirds of those who were surveyed…
  • How Much Does Your Insurance Company Know About You?

    Gerri Detweiler
    30 Oct 2014 | 9:01 pm
    If you’ve applied for homeowner or car insurance lately, you probably learned quite quickly that actually applying for insurance involves answering a lot of questions about yourself. But lest you are tempted to fudge facts and try to hide driving infractions or previous homeowner claims, you may want to be aware that your insurance company has ways of ferreting out details of your past you’d rather not divulge. Claims Against Your Home or Auto Insurers can obtain reports that inform them of previous claims on homeowner or auto insurance policies. The most common way they get this is…
  • 5 Budget ‘Serial Killers’

    Christine DiGangi
    30 Oct 2014 | 9:01 pm
    You went over your monthly budget — again. Now you’re looking at bills and bank accounts, figuring out how to shuffle money around so you can pay everything and avoid this awful feeling next month. Good luck with that. Everyone has different financial priorities, but no matter who you are, there are some expenses that get everyone off track at one point or another. They’re the little things that add up, seem like they’re in budget and automatically hit your bank accounts without a second thought. You know they’re destructive, but that doesn’t mean they’re…
  • Student Loan Debt Inspires 21-Year-Old to Run for Office

    Christine DiGangi
    30 Oct 2014 | 9:01 pm
    Patrick Lockhart is 21 and lives at home — and he couldn’t be happier about it. Instead of going back to Indiana University this fall, he took off a semester to run for a seat in the Indiana General Assembly, hoping to represent his fellow residents of House District 91. On Election Day, he goes head-to-head with Rep. Robert Behning, a Republican who’s been the district’s representative since before Lockhart was born. From Constituent to Candidate What revs up a college student so much he wants to run for office, you ask? Student loan debt. Before starting his second year…
  • Are the New, ‘Safer’ Credit Cards Already Vulnerable?

    Adam Levin
    30 Oct 2014 | 9:01 pm
    A recent Gallup survey found that 69% of Americans worry “frequently” or “occasionally” about having a credit card compromised by computer hackers. It’s not shocking. Consumers are becoming more educated on the topic, and financial institutions are beginning to do more to combat fraud, including introducing new types of credit cards. One example of the latter is chip-and-PIN technology, which everyone from consumers to the president has hailed for its ability to help prevent fraud. But is it the panacea that it’s been made out to be? Let’s take a closer look at exactly what this…
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    StepChange MoneyAware

  • How to talk about money with your partner

    Relate
    29 Oct 2014 | 3:20 am
    Talk about cash without the conflict Our Need to Sleep campaign highlighted that 7.4 million people across the UK have trouble sleeping at night because of money worries. As well as affecting your sleep, it can impact on your health, job, and relationships. In fact, almost 30% go on to say that worrying about their financial situation affects their relationship with their partner or spouse That’s why we’ve invited Anjula Mutanda, ambassador for the relationships charity Relate, to give us her top tips to talk about cash without causing conflict. Take it away, Anjula! Financial issues are…
  • Don’t let energy bills suck you dry this Halloween!

    Rachel
    27 Oct 2014 | 3:00 am
    You CAN beat those fiendish fuel bill hikes! Darkness falls across the land, the midnight hour’s close at hand, the radiator waits across a frigid room…to switch it on means budget doom! And though you fight to stay warm…your body starts to shiver. For no mere mortal can deny…his Halloween sure is a chiller! So in case you didn’t guess from the above butchery of the lyrics from Michael Jackson’s ‘Thriller’, today’s blogpost is about keeping warm, and how that can prove tricky when you’re trying to save the pennies. What you may not know however is how easy…
  • 8 ways to save money in your extra hour

    Laura
    24 Oct 2014 | 8:48 am
    Save money with your extra hour! So the clocks are going back this weekend. Cue obligatory panic about whether that means we’ll get an hour less in bed or not! Thankfully, this Sunday you’ll have a whole extra hour in your day. Or your Saturday night, if you’re the energetic type. Rather than getting 60 minutes more sleep, here are eight ways you could use your extra hour to boost your bank balance this weekend! 1. Check if you could save on your energy This is a great time of year to find out if you could be saving money on your energy bills, as lots of tariffs with major energy…
  • Students – get top marks on your energy bills

    Rachel
    23 Oct 2014 | 9:02 am
    Don’t let your energy supplier put a freeze on your budget! Things can seem in a constant state of go-go-go when you’re at uni – getting to grips with the food shop, deciding which club to go to, cramming before a big exam, drawing up rotas so everyone in the house knows when it’s their turn to do the dishes…the list goes on! What many students may not know, though, is how much money they can save should they switch energy suppliers. They tend to believe that they’re lumbered with the same supplier they had when they first moved into their rented property, but this just…
  • Have you bought anything from a rent-to-own store?

    StepChange MoneyAware
    16 Oct 2014 | 1:57 am
    Take part in our rent-to-own survey We all know that sinking feeling that comes when the fridge-freezer stops working, the washing machine suddenly springs a leak or the mattress starts to sag so much that you can feel the bedsprings. It can be hard to find the money to replace large household items, particularly if it’s an expense you weren’t planning for. Many families now use rent-to-own stores to buy their domestic goods. This is where customers pay for things like furniture and electronics on a weekly instalment basis. You might recognise some of the shops from your local high…
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    Free Money Wisdom

  • Top 5 Smartphone Apps that Help Run Your Business on The Go

    Jon the Saver
    29 Oct 2014 | 7:55 pm
    Top 5 Smart Phone Apps for Business Smartphone apps for business continue to revolutionize the way business owners manage their company. With the right apps, it’s possible to manage customer relationships, deal with the finances and easily access files, allowing you to keep your business running with ease. When life keeps business owners on the go, smart phone apps make it easier to stay on top of important business tasks. Here’s a look at the top five smart phone apps that will help you run your business on the go. App #1 – Square If you need to accept payments on the go, Square is the…
  • Ultimate Guide of Christian Financial Gurus- Who you should Follow.

    Jon the Saver
    27 Oct 2014 | 5:25 am
    The rich rule over the poor, and the borrower is servant to the lender. Proverbs 22:7 Whose wisdom you would follow in terms of financial advice is up to you and who seems to speak the truth for you. There are many financial gurus out there giving sound advice on living within your means and keeping away from financial ruin. Financial peace isn’t the acquisition of stuff. It’s learning to live on less than you make, so you can give money back and have money to invest. You can’t win until you do this. –Dave Ramsey Dave Ramsey has the largest following on the internet with “The…
  • Top 5 Reasons Your Business Needs a CRM system

    Jon the Saver
    22 Oct 2014 | 7:46 pm
    Top 5 Reasons Your Business Needs a CRM System A customer relationship management (CRM) system isn’t just for big businesses. Every business, large and small, needs a quality CRM system to stay competitive. After all, managing your customer relationships successfully affects the success of your business, both now and in the future. If you’re still trying to decide if you should make the investment, here’s a look at the top five reasons your business needs to invest in a quality CRM system. Reason #1 – Keep Your Business Organization One of the primary uses for a CRM system in business…
  • How to Build An Empire From a Smart Phone

    Jon the Saver
    18 Oct 2014 | 7:42 pm
    How to Build an Empire from a Smart Phone Advances in technology have worked wonders for business flexibility. One of the greatest additions to the business world as far as technology goes is the smart phone. This simple yet power tool gives business owners and employees the power to work from virtually anywhere. We no longer live in a world of flip phones and long distance commutes, with a smart phone your office is in the palm of your hand. If you’re tired of hauling around a computer or it’s just not feasible to have it with you at all times, a smart phone is a great place to build…
  • What does the bible say about money?

    Jon the Saver
    14 Oct 2014 | 10:40 am
    Just What Does the Bible Say About Money? People have differing opinions about what the Bible says about money. Some say it says money is evil and others claim it says God wants His followers to be wealthy. Neither is quite true. Often, people have these opinions based in misquoted or misinterpreted verses. This results in people thinking of the Bible and money being like oil and water and do not mix. The Bible has a lot to say about money, both good and bad. In 1 Timothy 6:10, it says “For the love of money is a root of all kinds of evil. Some people, eager for money, have wandered…
 
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    Help Me To Save

  • Will Citizen Advice Bureau Be Ready to Give Pension Advice by April 2015?

    Karen Bryan
    30 Oct 2014 | 11:28 pm
    Signup for free umoneybook account Free web based software to analyze and boost your finances I read that the Citizens Advice Bureau (CAB) had been chosen to deliver the face-to-face free advice under the UK Government’s pension guidance guarantee. The Government has pledged £20m to pay towards independent pension advice for people. The Government’s pension […]Will Citizen Advice Bureau Be Ready to Give Pension Advice by April 2015?How to save money. Copyrighted content published on Help Me To Save.
  • Lenovo Offer to Refund VAT May Not Be Best Deal

    Karen Bryan
    30 Oct 2014 | 7:26 am
    Signup for free umoneybook account Free web based software to analyze and boost your finances One of our sons is looking to replace his laptop. When I read that Lenovo was offering to refund VAT on some models costing over £500 purchased from selected retailers by 5 December 2014, I decided to take a look. […]Lenovo Offer to Refund VAT May Not Be Best DealHow to save money. Copyrighted content published on Help Me To Save.
  • Would You Buy Motor Insurance Based on Cashback or Vouchers?

    Karen Bryan
    28 Oct 2014 | 11:37 pm
    The findings of a survey of consumer attitudes to motor insurance providers conducted for Insurance Revolution made for interesting reading. When people were asked if they thought the UK motor insurance industry was trustworthy, 39% were indifferent, 27% thought it was relatively trustworthy, while 24% thought it was relatively untrustworthy. My rating would be indifferent. […]Would You Buy Motor Insurance Based on Cashback or Vouchers?How to save money. Copyrighted content published on Help Me To Save.
  • Review of Dewitt Place Apartments in Chicago

    Karen Bryan
    26 Oct 2014 | 11:41 pm
    Signup for free umoneybook account Free web based software to analyze and boost your finances I won two return flights with United from Edinburgh to Chicago in a business card prize draw. After some family discussions about who would be my travelling companion, our son Simon decided he’d like to come with me. Chicago hotels […]Review of Dewitt Place Apartments in ChicagoHow to save money. Copyrighted content published on Help Me To Save.
  • How to Get into the Property Market

    Karen Bryan
    23 Oct 2014 | 11:04 pm
    With interest rates of less than 2% on some mortgages, this could be a good time to get into the property market. Buying a home could save you money in the long term compared to paying rent for the rest of you life. But apart from finding the lowest rate of interest, how do you […]How to Get into the Property MarketHow to save money. Copyrighted content published on Help Me To Save.
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    NerdWallet Credit Card Blog

  • Greater Iowa CU Wins Top Prize in NerdWallet’s Financial Literacy Contest

    Claire Davidson
    30 Oct 2014 | 3:32 pm
    When it comes to helping youngsters become financially literate, Greater Iowa Credit Union does the best job of getting kids engaged by letting them do the teaching through its ProjectMoney program. The event encourages students to learn through a science fair-inspired format and won first prize in NerdWallet’s 2014 student financial literacy contest for credit unions. Participating high school students present their projects to a panel of judges – finance experts, teachers and graduate students – and answer questions. Kids are encouraged to explore money topics however they want, from…
  • Women and Credit Through the Decades: The 2010s

    Erin El Issa
    30 Oct 2014 | 2:48 pm
    Throughout October, we’ll look at the financial progress women in the United States have made since the Equal Credit Opportunity Act was passed, decade by decade. This installment — the fifth and final — highlights the progress of the 2010s, the decade the Credit CARD Act was amended to allow stay-at-home moms to get their own credit cards and the percentage of female breadwinners hit an all-time high. Women and Credit: Credit CARD Act amendment The Credit CARD Act of 2009 aimed to increase fairness and transparency to consumers by issuers. Part of the act called for issuers to…
  • Accounts in Collections: What’s the Point of Paying Them?

    Lindsay Konsko
    30 Oct 2014 | 12:21 pm
    Most of us can agree that falling behind on bills isn’t fun. And the longer you fail to pay, the worse things usually get. If it has been 90 days or more since your last payment, your lender might give up on trying to get the cash from you and send your account to collections. At this point, the damage to your credit is already done – you might as well hold onto your money, grit your teeth, and wait for the collector to stop calling, right? Actually, wrong. It turns out there are some good reasons to pay off an account that’s in collections. Paying an account in collections won’t…
  • I Can’t Afford the Wage Garnishments on My Credit Card Debt — Help!

    Anisha Sekar
    29 Oct 2014 | 11:52 am
    Wage garnishments for unpaid credit card debts have a way of kicking you when you’re down. If you struggled to make your payments before, you’re probably going through some tough financial times, and losing some of your paycheck to creditors can make life even more difficult. But if your wages are being garnished and you simply can’t afford it, there’s still help. Here are a few steps for appealing the garnishment. Step 1: Know your rights Wage garnishment laws vary by state, but by federal law, credit card companies can garnish at most 25% of your disposable income (your take-home…
  • Small Businesses Take Page from Halloween Pop-Up Shop Playbook

    Teddy Nykiel
    29 Oct 2014 | 9:55 am
    It’s the season when mega Halloween marts are popping up in malls around the country, overflowing with witch hats, grotesque makeup, fake spider webs and, this year, costumes from Disney’s “Frozen.” The biggest seasonal players in this industry – Spirit Halloween and Halloween Express – together operate nearly 1,400 pop-up franchises throughout North America, according to IBISWorld analyst Britanny Carter. But Halloween stores are not the only pop-up shops in town. More broadly, the multibillion-dollar pop-up retail industry, which includes food trucks, seasonal holiday shops,…
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    Card Hub

  • Credit Card Security Code: What Is CVV, Where To Find It & More

    Debra Wei
    30 Oct 2014 | 7:42 am
    You’ve probably encountered a credit card security code before, whether you know it or not. This is the three or four digit number that is printed on all of your credit and debit cards, created to act as an extra measure of verification for transactions that are not completed in-person. If you have a Visa, MasterCard or Discover credit card, your security code is the three-digit number listed on the back of your card, just to the right of your signature. In the event your card displays longer numbers, simply take the three last digits. Source…
  • Credit Card Checkout Fees: Everything You Need to Know

    Debra Wei
    28 Oct 2014 | 5:40 am
    Contributing to the credit card landscape’s plethora of fees, a credit card checkout fee – more formally known as a merchant surcharge – is the extra cost that is sometimes added by merchants for accepting a credit card as a payment method. Numerous retailers have begun imposing these fees as a way to cover the processing fees that they themselves are charged with for receiving credit cards – and in turn, we as consumers end up paying more. But how much are these fees? How can merchants get away with charging them? And do they apply to any other forms of payment? We’ll answer those…
  • Credit Card Cash Advance: Fees, Drawbacks & More

    Debra Wei
    25 Oct 2014 | 2:02 pm
    There are two types of credit card cash advances. The first and more common type occurs when you treat your credit card like a debit card, using it to withdraw cash from an ATM. This form of cash advance is subject to a cash credit limit, which typically comprises only a fraction of your total credit line. Both your cash credit limit and the PIN needed to make a cash advance can be found by calling your bank. The second type of cash advance also allows you to tap into your credit line, but instead of withdrawing cash, your credit card is used to write checks or transfer money into a bank…
  • The Pros & Cons of Credit Cards: Everything You Need to Know

    Debra Wei
    25 Oct 2014 | 2:01 pm
    Like any powerful tool, credit cards can be incredibly beneficial if used correctly but dangerously adverse when handled with the wrong mindset. Recognizing both sides of this double-edged sword will help you better navigate the credit space by enabling you to make the most of the positive features while avoiding the majority of the drawbacks. Doing so could therefore be the difference between racking up expensive debt and damaging your credit standing or earning a free rewards vacation. Thus, for good reason, CardHub has compiled a guide to the advantages and disadvantages of credit card use…
  • Co-Branded Credit Cards: Everything Merchants & Consumers Need to Know

    Debra Wei
    21 Oct 2014 | 9:00 pm
    Co-branded credit cards have become increasingly prevalent in the credit market in recent years. In fact, many large corporations are now offering these handy pieces of plastic, promoting cards such as the SaksFirst Platinum MasterCard, the Barnes & Noble MasterCard and the Amtrak Guest Rewards MasterCard. Co-branded credit cards, as the name suggests, are the product of a mutual partnership between a particular merchant and a credit card issuer. Together, they work to create a credit card that bears the merchant’s name and provides merchant-specific benefits to brand-loyal consumers.
 
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    CreditDonkey

  • Is Discover It a Good Credit Card?

    31 Oct 2014 | 12:00 am
    Is Discover It worth it? The most popular offering by Discover can be well worth the application for the following 10 reasons. To round out this list, we’ll also give you 3 reasons why you might want to look elsewhere:
  • Credit Cards with No Balance Transfer Fee

    31 Oct 2014 | 12:00 am
    Transferring high-interest credit card balances to one card can be a clever way of consolidating and getting a handle on debt. Even better is when the new card won’t charge you a balance transfer fee for making one or more transfers. Some will even give you an introductory 0% APR for a limited time that you can use to make significant inroads on the money you owe.
  • 23 Ways to Prevent False Alarms

    30 Oct 2014 | 12:00 am
    Home security systems are meant to keep you safe — they were not installed to drive your local police department crazy from false alarms. But that’s what a lot of them do. The majority (over 90%, according to various reports) of house calls the police make are due to false home security system alarms. In recent years, municipalities have imposed penalties on security companies, which, in turn, have passed on those costs to their customers who go over a set number of false alarms per year.
  • 23 Reasons Why You Should Invest in Stocks

    29 Oct 2014 | 12:00 am
    Despite the economy's ups and downs, the stock market has consistently proven to be a good place to invest your disposable cash and save for your future (as long as you can withstand the bumps and plan for the long term). The popularity of online brokerages can attest to the demand for access to stocks in a do-it-yourself society.
  • 23 Reasons Why You Should Drink Coffee Every Day

    28 Oct 2014 | 12:00 am
    Here is a list of 23 reasons to justify (or convince non-drinkers) why you should drink a cup o' joe on a daily basis. Your daily investment in your coffee habit gives you payback in the form of health, wakefulness, and a lot of other pluses.
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    Rhonda Sherwood

  • How to be Financially Wise After Losing a Spouse

    Rhonda Sherwood
    27 Oct 2014 | 4:55 pm
    Losing a spouse is considered the most stressful life event that someone can experience. You are grieving the loss of your partner and you must also come to terms with the fact that your life will never be the same again. At the same time, will need to make decisions for yourself and any minor children which can have a major impact on your lifestyle going forward. At a major crossroads in your life like this, you need a financial advisor who will listen to your needs to deal with urgent matters and longer-term goals. Financial issues in the Initial Days after Losing a Spouse When your spouse…
  • If there is No Mandatory Retirement, Why Stop Working?

    Rhonda Sherwood
    20 Oct 2014 | 3:02 pm
    The idea of retirement (stopping work at a certain age) is one that has only existed for a relatively short time. In 1927, the Old Age Pensions Act came into effect, and it granted a pension of $20.00 per month ($240.00) per year to British subjects who had lived in Canada for at least 20 years. Only seniors who with an income of less than $365.00 per year, including pension benefits, were eligible for the pension. In British Columbia, there is no longer any mandatory retirement law. Unless you are working in a career field where physical ability is a job requirement, such as a firefighter or…
  • Grey Divorce Means Good Financial Planning a Must

    Rhonda Sherwood
    14 Oct 2014 | 4:55 pm
    Canadian divorce rates for most age groups are on the decline with the exception of Baby Boomers (people born between 1946-1964). People over the age of 50 are calling it quits at a higher rate than younger people, leading to a trend which is being called “grey divorce”. While the reasons for ending the marriage (especially after several decades together) may include longer life expectancies, one major factor is that being divorced is no longer seen as a one-way ticket to financial hardship. Financial Decisions in Grey Divorce Going through a divorce is a major life change and even the…
  • You Can Retire on Less Money (and Make it Work for You)

    Rhonda Sherwood
    6 Oct 2014 | 1:52 pm
    Saving for financial goals, including retirement, is a challenge for most people these days. Retirement is often left on the back burner until later in life when it may be too late to save the full amount you think you need. Rather than putting off your retirement or continuing to work, consider downsizing your lifestyle and overall expenses so that you can retire on less money. Figure Out How to Downsize your Life While you may love your house, do you need to continue living in a large home? Once your children are gone and you and possibly your spouse are left, it probably doesn’t make…
  • 5 Stages of Long Term Care You Need to Plan for in Retirement

    Rhonda Sherwood
    29 Sep 2014 | 3:30 pm
    When you think about retirement, how do you picture spending your days? It’s only natural to focus on taking time to rest after many years of hard work. If you are currently in good health, it can be difficult to picture the situation changing. In some cases, the changes to your health will be relatively minor ones. In other situations, you or a loved one will be faced with living with a chronic illness or the sudden trauma of an accident. Since Canadians can now look forward to living longer in retirement than previous generations, all of us need to be aware of the 5 stages of long term…
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    The Penny Hoarder

  • 21 Fun Ways to Enjoy Your Pumpkin After Halloween

    Heather van der Hoop
    30 Oct 2014 | 3:00 am
    Picking out a potential jack-o’-lantern or two from the pumpkin patch, farmers market or grocery store is a time-honored tradition. But if you’re going to spend money on these Halloween decorations, you’ll want to make the most of your investment. Once the fun of carving your Halloween pumpkin is over, try one of these options to repurpose it. Whether it becomes a tasty snack or a creative project, your pumpkin can bring you a little more joy after Halloween — and help you save some cash going into the holiday season. Eat Your Pumpkin Let’s not beat around the bush: eating your…
  • 5 Smart Ways to Make Money Without Leaving Your Apartment Building

    Lisa Rowan
    29 Oct 2014 | 10:00 am
    Starting a side hustle or taking on a second job can be an awesome way to earn more money, but it can also challenge both your energy level and your budget. Commuting to a second job or buying lunch because you didn’t have time to make one (again) can take a bite out of your earnings, leaving you wondering whether you’re actually making any extra cash. However, if you’re lucky enough to live in a large apartment building, there are a number of ways to supplement your income without even walking out the front door. City dwellers, this one’s for you. 1. Pet Care If you live in a…
  • Got Student Loans? Gradible Will Pay Them For You…

    Catherine Alford
    29 Oct 2014 | 3:00 am
    If you’ve been searching high and low for a way to reduce your student loan debt without living in a van, set down your keys and grab your computer. We have a solution for you. It’s called Gradible. Gradible is an innovative and relatively new company created by three entrepreneurs to combat the United States’ trillion-dollar student loan problem. The founders understand that not only do students rely heavily on loans to attend college, but the cost of higher education is skyrocketing at an alarming rate. So what exactly does it do? Gradible pays college students and grads to perform…
  • Enjoy Writing? These 7 Blogs Will Pay You $100+ to Write a Post

    Sophie Lizard
    28 Oct 2014 | 3:00 am
    OK, so you’ve heard there are blogs that will pay you to guest post. Woop woop! Easy money. You don’t need to be an established writer to do this. As long as you have some knowledge of the topic and you can string a sentence together, the only thing you’ll need is a bit of creative thinking to come up with outstanding blog post ideas that you can pitch to these paying blogs. Paid guest blogging is an excellent way to start a freelance writing career because you’ll get paid while you build up a portfolio of work samples. You might even get hired as a regular blogger or editor if you…
  • Make Extra Money With Seasonal Jobs: 5 Places to Work During the Holidays

    Susan Shain
    27 Oct 2014 | 10:00 am
    Though many people think of the holidays as a month-long money-suck, some savvy consumers view them through a different lens: as an opportunity to earn some quick cash. American retailers earn 20-40% of their annual revenue during the months of November and December, and because of this, they extend their hours, add staff and send out more packages. This is where you come in. They need all the extra help they can get, and they’re willing to pay for it. If you’re looking for some extra dough to help you through the holidays, you’re in luck: this is a great year to find a seasonal job.
 
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    Learn Financial Education

  • How to Invest in ETF in the Philippines

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

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

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

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

    Gily Tenorio
    7 Sep 2014 | 2:20 am
    Buying a second hand car is not that easy especially if you are in a foreign land like here in Korea. This post is intended for foreigners living in Korea who want to buy a second hand car. I hope the tips outlined in this post will help you decide on which car to buy here in Korea.   If you are like me who has a limited budget, a second hand car is the way to go unless you already  have a big amount to buy a new car. Since you and I are foreigners, you are not allowed to buy new car in installment. I have already asked my Korean friend to confirm about that. He asked several dealers…
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    Don't Go Alone: Your Freedoms and the Law

  • Is Making a Firearm in Your Home Legal?

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

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

    Justin Kelsey
    7 Aug 2014 | 7:20 am
    There are many good reasons why you may want to cosign a loan.  Some typical examples include helping a child obtain their college education by co-signing student loans, or assisting your spouse in purchasing a car. With any good idea, however, a small difference in the situation can make it a very bad idea.Many people are unaware of the consequences of cosigning a loan, and in many many instances cosigning may be a very bad idea.  Take just the two examples described above:  If your child is unable to find a job after college and therefore unable to pay their student loan,…
  • Owning an SBR - Part 1: Finding the right SBR for me.

    Justin Kelsey
    23 Jul 2014 | 12:52 pm
    The National Firearms Act of 1934, in conjunction with Title II of the Gun Control Act of 1986 (codified at Title 26 United States Code, Chapter 53, Internal Revenue Code) ("NFA") regulates the ownership of certain firearms, including, Short Barrel Rifles ("SBR"), Short Barrel Shotguns, Machine Guns, Destructive Devices, Suppressors and AOW's (Any Other Weapon). A Short Barrel Rifle is defined as any rifle having barrel length of under 16 inches, as measured from the face of the closed bolt to the muzzle, and/or having an overall length of under 26 inches.  This is the story of how and…
  • What are the Restrictions on a Massachusetts Dealer Selling a Handgun?

    Justin Kelsey
    26 Jun 2014 | 9:38 am
    Before a licensed dealer in Massachusetts can transfer a handgun they have to answer four questions:1. Is the buyer a Massachusetts resident or a federally licensed dealer in another state?2. Does the buyer have a License to Carry, Class A, Large Capacity?3. Did the buyer pass the NICS background check, if required?4. . Is the handgun “Mass Complaint?” (i.e. listed on the EOPSS Approved Firearms Roster and compliant with the Attorney General's regulations)If the answer to all of these questions is "yes", then the handgun transfer is legal in Massachusetts.  However, if the answer to…
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    Consumer Help Central

  • Private Student Loans And Bankruptcy In A Cosigned World

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

    Jay Fleischman
    26 Sep 2014 | 6:12 am
    If you’ve got a debt from years ago, don’t make the mistake of prolonging the negative impact is has on your credit history. Old debts can plague your credit for years, dragging down your score long after the date you went into default. In fact, according to credit reporting agency Equifax,  a collection account will usually remain on your credit report for seven years from the date the account first became past due. That means a debt six years past due will stay on your credit report for one more year, at which time it falls off your credit report. Once a debt falls off your…
  • Student Loan Defaults Plague The Wealthy, Too

    Jay Fleischman
    23 Sep 2014 | 3:00 am
    When you think about the student loan crisis, your mind conjures up images of twenty-somethings working at Starbucks. What you don’t see, however, are the hundreds of thousands of hard-working professionals who pull in comfortable salaries yet live in fear of their student loans. Confused about how such a thing could possibly happen, and why those with deep pockets aren’t always on top of their student loan payments? Consider this: most people do not graduate from school with high-paying jobs in place. Doctors in particular work many years before getting that fat paycheck. In…
  • Court To Wells Fargo – OK To Freeze Accounts Of Chapter 7 Debtors

    Jay Fleischman
    26 Aug 2014 | 1:23 pm
    If you’re filing for bankruptcy, move your money out of Wells Fargo before you file – even if you don’t owe them any money. It’s long been the practice of Wells Fargo to place what they call a “temporary administrative pledge” on bank accounts when the account holder files for bankruptcy. At that point, Wells Fargo will contact the Chapter 7 trustee to determine whether the funds are exempt or should be turned over to the trustee. If the trustee tells Wells Fargo that the funds are exempt then the pledge is released. Until then, however, the funds are…
  • How A California Private Student Loan Judgment Is Enforced

    Jay Fleischman
    26 Aug 2014 | 1:08 am
    Editor’s Note: Each state has different laws when it comes to enforcement of money judgments, including those relating to private student loans. This article works with the laws of the State of California; if you live anywhere else, talk with a lawyer in your state about your individual situation. After the private student loan lawsuit comes the judgment. For California residents, this could be better or worse – depending on your situation. We’ve talked about why a student loan lawsuit may not be a bad thing, but you should weigh your options before allowing the private…
 
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    Musings of a Money Manager | The Personal Blog of John Rothe

  • Using Inverse ETFs In A Long Short Investment Strategy

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

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

    John Rothe
    17 Oct 2014 | 7:38 am
    Is The Ebola News Cycle The Reason For The Stock Market’s Decline? image: Wikimedia Commons Investors are starting to believe that the Ebola outbreak will start to impact the global economy. Any economic impact would most likely be caused by: 1) Aversion behavior in consumers. 2) Impacts to emerging economies where outbreaks may be more likely. 3) The international cost of aid for Ebola stricken countries. 4) Slowdown in international trade due to heightened screening processes at ports of entry. Is Ebola Really The Reason The Market Is Declining? While there may be a small economic…
  • Fall 2014 Update: Stock Market Crash Ahead?

    John Rothe
    9 Oct 2014 | 9:42 am
      Stock market volatility has significantly risen in October. Many are wondering if a collapse is right around the corner. Ebola’s Impact The media is in full fear mongering mode right now. The slow news cycle has brought the Ebola outbreak front and center. While the medical community is telling us that an outbreak here in the US is not likely, the fear of an outbreak can cause an economic impact on our already unstable economy. Investors are starting to worry that there will be a global economic impact caused by: 1) Aversion behavior in consumers. 2) Impacts to emerging…
  • Global Asset Allocation Strategy: October Model Update

    John Rothe
    1 Oct 2014 | 11:00 pm
      Each month, I publish an update for my hypothetical global asset allocation model. The purpose of this model is to provide a strategy that is both timing based and relative strength based. Additionally, by tracking this model, we can get a better idea of how global investors are allocating their portfolios – which can be useful during times of geopolitical and/or market flux. For those not familiar with my global asset allocation strategy, please click here to read an overview. Year To Date Performance Year to date, the model has pulled back during the month of September. This is…
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    Thirty Six Months

  • How to Save Money on Food While Travelling

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

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

    Marissa Anwar
    30 Sep 2014 | 2:50 am
    To get yourself financially free, to make good investments and to get through life in a calm and relaxed manner – you should always seek value. This applies equally to picking out your groceries at the supermarket, to buying a car, buying a house or an apartment, picking out investments for your future – and any other transactions you make through life. So what do we mean by value, exactly? This may seem an obvious question with an obvious answer, but it isn’t. In fact, you could write a whole economic thesis on what does or doesn’t constitute value. But to simplify things, it…
  • Why You Should Invest In Property Before Age 30

    Marissa Anwar
    8 Sep 2014 | 5:25 am
    I know it’s not something that we think when we’re tackling our student loans out of University or have to think about finding that perfect job that lets us grow and feel accomplished, but hear me out. Purchasing an investment property is the best thing you can do for your finances after setting up your retirement plan. Yes, it has to be the best investment property, and they are tons of resources out there that will help you find out what type of landlord you’re ready to be. I tend to watch a ton of Income Property with Scott Mcgillvary on HGTV (I can’t help it- the…
  • A Budgetary Workout for Your Business

    Marissa Anwar
    4 Sep 2014 | 9:22 pm
    Trying to budget is a lot like exercising – while we all know that we should do it, avoiding it and being a slob seems a heck of a lot easier. And when we get round to it every once in a while, the strain really shows. But if you’re running a business, you can’t afford to pull a financial muscle, lest you descend into a spiral of debt. Yet, according to Bloomberg, 8 out of 10 businesses fail within the first 18 months of opening their doors – and poor financing is largely to blame. So, if you’re trying to make the most of your finances, what do you need to do to avoid pulling a…
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    Thirty Six Months

  • How to Save Money on Food While Travelling

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

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

    Marissa Anwar
    30 Sep 2014 | 2:50 am
    To get yourself financially free, to make good investments and to get through life in a calm and relaxed manner – you should always seek value. This applies equally to picking out your groceries at the supermarket, to buying a car, buying a house or an apartment, picking out investments for your future – and any other transactions you make through life. So what do we mean by value, exactly? This may seem an obvious question with an obvious answer, but it isn’t. In fact, you could write a whole economic thesis on what does or doesn’t constitute value. But to simplify things, it…
  • Why You Should Invest In Property Before Age 30

    Marissa Anwar
    8 Sep 2014 | 5:25 am
    I know it’s not something that we think when we’re tackling our student loans out of University or have to think about finding that perfect job that lets us grow and feel accomplished, but hear me out. Purchasing an investment property is the best thing you can do for your finances after setting up your retirement plan. Yes, it has to be the best investment property, and they are tons of resources out there that will help you find out what type of landlord you’re ready to be. I tend to watch a ton of Income Property with Scott Mcgillvary on HGTV (I can’t help it- the…
  • A Budgetary Workout for Your Business

    Marissa Anwar
    4 Sep 2014 | 9:22 pm
    Trying to budget is a lot like exercising – while we all know that we should do it, avoiding it and being a slob seems a heck of a lot easier. And when we get round to it every once in a while, the strain really shows. But if you’re running a business, you can’t afford to pull a financial muscle, lest you descend into a spiral of debt. Yet, according to Bloomberg, 8 out of 10 businesses fail within the first 18 months of opening their doors – and poor financing is largely to blame. So, if you’re trying to make the most of your finances, what do you need to do to avoid pulling a…
 
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    Compare Wallet: Making Sure Your Money Isn't Accepting Second Best

  • How to Choose the Right Card for Building Credit

    Kari Luckett
    30 Oct 2014 | 1:25 pm
    *This is article one of a six-part series   Choosing a credit card can be hard. There are thousands of credit cards or prepaid debit cards available to choose from, offered by countless banks, including all the small town banks. Should you get a credit card from your your local bank or get a card from one of the big banks that have a well-built reputation? Should you get a rewards credit card? What about one that earns cash back? These are all questions that will likely pop up when searching for your first, second, or even your third credit card. We’re dedicated to helping consumers make…
  • Tips to a Bank-friendly Halloween

    Tom Kerr
    30 Oct 2014 | 5:16 am
    Americans will likely spend more than $7 billion on Halloween-related purchases this year -a lot of witch hats and candy corn. Halloween lands on a Friday this year, which means that it extends from a 1-night event into a 3-day celebration with parties and events all weekend long. The typical consumer will spend over $100, with about half of that amount devoted to creating a memorable costume. Costumes Halloween costumes are expensive, which is funny to me only because they are usually made of very cheap material than everyday clothes you can purchase at a cheaper price. To save money this…
  • How I Went From Secured to Cash Back

    Bethany Carlson
    24 Oct 2014 | 12:29 pm
    Over four years ago I needed help rebuilding my credit, so I signed up for a Capital One Secured MasterCard. It was pretty easy to get and I could set my credit limit to whatever I wanted simply by making a deposit to start the account. I started with a $200 credit line and after about 6 months of consistent payments, I put an additional $100 on the credit card. After a few years of having my secured card, making consistent payments and improving my credit tremendously, I called Capital One to ask for a credit line increase. They informed me that I would once again have to put more of my own…
  • Credit Cards in the News: October 18-24, 2014

    Chris Mettler
    24 Oct 2014 | 6:00 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 October 18-24, 2014. President Obama’s Issues Executive Order for Consumer Credit Card Protection President Obama signed an executive order aimed at protecting American consumers from identity theft and credit card fraud. The order is part of the new…
  • Spirit Airline World MasterCard Credit Card Review

    Chris Mettler
    22 Oct 2014 | 4:30 am
    Now that we are well into fall and the holiday season creeps up, there is no better time than September to start making your holiday travel plans. Previous years and trends have shown that as soon as October comes around, airlines, hotels and rental companies begin to increase their prices for the expected high volume of travelers during the holidays. One way to save on travel and earn rewards during the holiday season is by carrying a Spirit Airline Credit Card.The Spirit Airlines credit card   is issued by Bank of America and will  help you earn rewards for your holiday shopping and…
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    Feeds : dailyworth

  • When You Need a Financial Expert and When You Don’t

    27 Oct 2014 | 9:00 pm
    When I started the Certified Financial Planner training program, I believed a reasonably intelligent woman could handle her own finances without hiring help. By the end of the program, I'd hired a tax pro and an insurance agent. Within a few years, I added an estate planning attorney to the mix. Most recently, I hired a fee-only CFP to help whip our investment portfolio into shape. In short, the more I know, the more I realize I don't know. Not everyone has the luxury of being able to afford financial advice. But in many cases, hiring help can be a smart investment. Here's a guide…
  • 5 Apps Changing the Way We Spend Money

    27 Oct 2014 | 9:00 pm
    Back in the Day When my grandmother lived in New York City in the 1940s, she paid 10 cents to ride the subway and complained about the cost. In the 1950s, she started using tokens (which cost a whopping 15 cents) — a nifty change in how she purchased transportation. Thirty years later, my father had credit cards at his disposal to make certain purchases (no cash required!). And now, in 2014, I could very well start paying for an array of items with my smartphone. If you have a smartphone, you have a ton of options when it comes to avoiding big banks, ditching (some) traditional…
  • What Do Millionaires Know That We Don’t?

    20 Oct 2014 | 9:00 pm
    5 Surprising Facts About Millionaires Millionaires aren't exactly rare. One in 12 US households now has a net worth of $1 million or more not counting the value of their primary residence, according to the latest Spectrem Group survey. Yet myths about millionaires still abound: they're all greedy, or trust-fund babies or like to flaunt their wealth. Many people think "that millionaires are a lot like Kim Kardashian," says Cathy McBreen, managing director of Spectrem, which has tracked and polled the nation's richest households for years. "But they tend to be…
  • Act Fast: 7 Things to Do When Your Wallet Is Missing

    13 Oct 2014 | 9:00 pm
    Remain Calm I knew I should have carried my wallet in a purse that night. Instead, I fashionably tucked it under my arm and headed to the local wine bar with my husband. Two pinot noirs later I reached over to pay the bill only to realize that my wallet — which I thought I’d rested on the bar top — had vanished. Was it stolen? Did it fall on the ground somewhere? Hold on. Did I even bring my wallet? (The wine wasn’t helping.) We carefully traced our steps back to our apartment, eyes glued to the ground. But no luck. The wallet was gone and so was our fun date night.
  • The Real Reason You Feel Broke

    13 Oct 2014 | 9:00 pm
    Americans' wealth just hit a new record. So, why do so many people feel so poor? Most people say they're falling behind financially, according to a recent Pew Research Center survey, with 56 percent reporting that their incomes aren't keeping up with the cost of living. Among those with incomes under $30,000, 70 percent say they're falling behind. Some pundits would have you believe we're unhappy because our expectations are too high.They paint us as Frappuccino-sipping, iPhone 6-lusting mega-consumers, unable to curb our desires or delay gratification as earlier…
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    Money Q&A

  • Life Insurance Myths – The Truth About Getting The Best Coverage For Your Needs

    Guest Contributer
    29 Oct 2014 | 3:00 am
    Some consumers avoid thinking about their family’s need for life insurance because it requires them to consider their own mortality, and unfortunately, that prevents them from educating themselves on the topic. There are certain life insurance myths that lead many to misunderstand its purpose, cost and availability. There is also a healthy amount of distrust regarding the insurance industry as a whole. This may be because, in exchange for your hard-earned cash (premiums), consumers simply get a promise. Insurance is not tangible – it is a financial instrument with an “if-then”…
  • Tips To Recover From Identity Theft

    Hank Coleman
    22 Oct 2014 | 3:22 am
    Identity theft is a big issue for people. It seems like everyday more and more businesses are becoming the victim of hackers. And, criminals are stealing customers’ personal information from companies. This is a trend that is sure to continue in our ever-interconnected world online and at brick and mortar stores. Is having your identity stolen inevitable? Some experts say it is. So, then how do you recover from being a victim of identity theft? Protect Yourself With Identity Theft Prevention Companies There are many companies that can help you monitor your credit report and also help…
  • The Budget Traveler: Travel Tricks on the Internet

    Jeffrey Hernandez
    20 Oct 2014 | 3:19 am
    The following post was written by Jeffery Hernandez. Coming from a Humble Background, Jeffery completed his Master’s in Business Administration and now works as an Independent Financial Advisor. He loves playing chess, reading novels and spending time with his wife and kids.  Follow him on Twitter @_JeffHernandez0 Getting out and hitting the open road is a common American fantasy, maybe the most common one there is. But how many of us are actually taking the time to get out there and experience the wonderful diversity of the world. The truth is probably fewer than we’d like to admit.
  • Different Types of Insurance Available

    Guest Contributer
    14 Oct 2014 | 6:09 am
    Insurance is a financial product in which companies that offer it will take on some form of monetary risk in return for the payment of premiums. An individual will typically invest in it to guard against having to pay out a large sum of money for common problems that may occur. Being insured gives peace of mind that should disaster strike, the financial implications of this can be dealt with and some of the common insurance products available include the following. Life Insurance No one wants to think about dying although all adults need to consider the problems this can leave for family…
  • When To Hire A Collection Agency For Nonpayment

    Guest Contributer
    13 Oct 2014 | 3:00 am
    The ideal business world would have perfect mathematical precision especially when it comes to small business invoicing. In all likelihood, invoices will be paid on time. But, the day may come that one goes unpaid. What do you do? How to do you approach the person or entity that owes you money? The best thing to do is initiate formal communication, in writing, with a demand letter. This can be best drafted by your attorney, but you can likely handle it yourself if you haven’t one. A simple search will show you good examples of this kind of letter. While this letter doesn’t have any legal…
 
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    Forex Weekly Technical Indicators Statistic Record

  • EUR-GBP Technical Analysis (31 October 2014)

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

    Meiji Jap
    27 Oct 2014 | 7:24 am
    MACD Settings:- First EMA = 12 | Second EMA = 26 | Signal EMA = 9 Stochastic Settings:- Period = 5 | Average Period Fast = 7 | Average Period Full =7 Bollinger Bands Settings:- Average = 20 | Standard Deviation = 2 Date: 27 October 2014 Time: 9:09 PM (+8 GMT) EUR-USD Technical Indicators 4 Hourly Daily Weekly Monthly MACD UP UP DOWN DOWN Full Stochastic DOWN
  • USD-CAD Analysis (21 October 2014)

    Meiji Jap
    20 Oct 2014 | 11:51 am
    Fluctuating within the current position level 1.1283 the pair fighting to break 1.1406 resistance level. There is still plenty of room for upward movement as the MACD indicator in the monthly time frame still rising upward. We also knows that the current position level is near its lowest historical level and by technical instinct it should initiate upward movement to find its correction point
  • EUR-USD and USD-CAD Technical Analysis (4 Oct 2014)

    Meiji Jap
    3 Oct 2014 | 11:21 am
    MACD Settings:- First EMA = 12 | Second EMA = 26 | Signal EMA = 9 Stochastic Settings:- Period = 5 | Average Period Fast = 7 | Average Period Full =7 Bollinger Bands Settings:- Average = 20 | Standard Deviation = 2 Date: 10 Oct 2014 Time: 2:09 (AM) +8 GMT The chart below shows the common 3 peak gradual downwards patterns that we usually find in the Forex market movement. The 4th peak
  • GBP-USD Technical Analysis for Next Week (15 Feb 2014)

    Meiji Jap
    15 Feb 2014 | 1:16 am
    MACD Settings:- First EMA = 12 | Second EMA = 26 | Signal EMA = 9 Stochastic Settings:- Period = 5 | Average Period Fast = 7 | Average Period Full =7 Bollinger Bands Settings:- Average = 20 | Standard Deviation = 2 Date: 15 Feb 2014 Time: 4:44 PM (+8 GMT) GBP-USD Technical.Indicators 4 Hourly Daily Weekly Monthly MACD Up Up Up Up Full Stochastic Up Up
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    Creative Money

  • Are you making the most of your employee benefits?

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

    Mindy Crary
    21 Oct 2014 | 10:28 am
    In the movie, The 40-Year Old Virgin, Andy was able to sell his action figure collectibles to finance his start-up business.  Years ago, the average person would have never given a second thought to the value of a geeky collection of super-hero figurines, but now, they are considered to be legitimate collectibles. Have you ever thought of expanding your portfolio of investments into something non-traditional, like collectibles?  Action figures and comic book collectibles are becoming more popular, but even tried-and-true rare coins, art and fine wine can be lucrative. What makes some…
  • Wildly practical roundup of credit score tactics

    Mindy Crary
    14 Oct 2014 | 8:05 am
      Just for you, a roundup of credit score tactics to protect your data as well as improve your score! Credit Score Protection It seems like we’re starting to numb out to news of new security breaches if you read this current article from the NY Times on recent Home Depot and JP Morgan breaches.  The fact is, we’re not liable if someone uses our info to commit fraud.  The only thing we CAN do to continue to protect our credit score is… ​Actually read your statements to make sure all of the transactions really do belong to you. Change your passwords at least for accounts with…
  • When it’s okay to raid your old 401k

    Mindy Crary
    7 Oct 2014 | 7:00 am
    I believe that part of my job as a financial planner is to help people see the opportunity in their situation, regardless of where they are at. Even when that possibility might seem counterintuitive to what traditional financial advice might say—like protecting your 401k at all costs. The debt I met this fantastic couple a while back; recently married and finishing up school, they moved to Seattle to take advantage of our booming high tech economy, but ran into a bunch of hurdles that were slowing down their financial progress. The house they purchased had several maintenance issues that…
  • Why I don’t recommend a career in financial planning

    Mindy Crary
    30 Sep 2014 | 10:10 am
    Every few weeks or so, I get an email from someone who is considering a career in financial planning.  I am positive that they regret asking me as soon as they read my reply, because for the most part, I end up discouraging people from the career. Career Perspective Here’s how I see it…I love-love-love animals.  If you told me I could take a vacation with close access to tigers, maybe even feed and pet them, I’d totally sign up.  Completely fascinated.  BUT…I am not a veterinarian.  I’m really good in a crisis, but I realized early on that I don’t have the wherewithal…
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    Three Thrifty Guys

  • Don’t Forget Your Birthday Bonuses

    Aaron
    28 Oct 2014 | 5:03 am
    Since it only comes around just once a year, don’t forget to take full advantage of all the gifts and birthday bonuses that you might receive from your favorite restaurants and businesses. Having recently celebrated a birthday, I wanted to run down some of the benefits that I received from turning another year older. $5 off at DSW Shoes BOGO offer from Auntie Anne’s Pretzels Free appetizer from one of our favorite local restaurants Free entree at Perkins BOGO from one of my favorites, Qdoba $5 off from Jason’s Deli Free sidekick of ribs or appetizer from Texas Roadhouse Free…
  • Beware of “Sleeper” Subscription and Service Fees

    Aaron
    21 Oct 2014 | 4:08 am
    I came across this somewhat disturbing Reddit post today about a man whose elderly father had been paying an AOL subscription that he hadn’t been using for over 10 years! When he broke it down – his father had essentially paid out over $2,500 in worthless fees! Ouch. (Check out the comments on the Reddit post – as they are pretty enlightening about other subscription and fees folks noticed that others (or themselves) had been fallen asleep on.) This got me to thinking about fees/subscriptions that I may be unwittingly paying for month after month, or that others may need to…
  • How to Get Free Books, CDs and DVDs Through Swapping

    Aaron
    14 Oct 2014 | 4:29 am
    I recently picked up a few audiobooks from the library along with a book called, Retiring Well on a Poor Man’s Budget. While I’m not retiring any time soon – I thought it would be an interesting read. The book contains over 1,000 ways to stretch your income and “enjoy your golden years”. They list a few really neat websites that I’ve never heard of – but want to pass along to you. Owned by the same company – one site is called PaperBackSwap.com another SwapADVD.com and the last, SwapACD.com. These sites have been around awhile – and…
  • Ooma 2 Years Later – How the Savings Add Up

    Charlie
    8 Oct 2014 | 4:19 am
    It has been 7+ years since I ditched my old land line, and 2 years that I have been using Ooma as my preferred home phone service. In 2007, I was using Qwest (now CenturyLink) home phone service, which was costing me $41/month and didn’t include long distance phone service (I used calling cards…remember those?). That year (February 2007) I heard about a new VOIP provider, called Sunrocket, offering 2 year unlimited phone service for $199. Without giving it a second thought I made the switch and swung my home phone service over to them. By July 2007, Sunrocket was bankrupt, and my…
  • Would You Quit Your Job for a Lump Sum? Catch: You Can Never Do the Job Again

    Aaron
    6 Oct 2014 | 4:14 am
    Many of us talk about quitting our job one day and never having to work again. But, here’s an interesting scenario: Would you quit that job if you were offered a large lump sum of money? The only catch: You can never do that job professionally again. This scenario could be facing a professional golfer named Anthony Kim. If you follow golf at all, you may be familiar with the name. Kim was considered to be one of the brightest stars on the PGA Tour. A winner of 3 PGA Tour tournaments and a member of the victorious 2008 Ryder Cub team – he was well on his way to becoming one of the…
 
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    Kitces.com

  • Why I’m So Critical Of The FPA That I Support, And The FPA Leadership Responds In Writing

    Michael Kitces
    30 Oct 2014 | 11:55 am
    Many who have known me over the years, and my involvement in both the profession at large and the FPA in particular, were surprised by my article earlier this week criticizing the FPA for its actions and direction in recent years. However, the truth is that these realities – my involvement in the FPA, and my criticism of the organization – are not at odds. In fact, the entire purpose of my article was to recognize the challenges the FPA faces (publicly, as I’ve already voiced these concerns privately to FPA leadership in the past), to encourage a frank discussion of those challenges,…
  • Real-Time Collaborative Financial Planning And The Evolving Role Of The Financial Advisor

    Michael Kitces
    29 Oct 2014 | 4:01 am
    With the ever-increasing breadth of information available online with each passing year, consumers have more and more information at their fingertips – accessible with a smartphone or tablet! – and problems that once required paid experts for solutions can now be resolved with a quick Google search. Yet while the power of internet searches can solve more and more complicated problems, when it comes to the real-world challenges of our financial lives, we hit a wall; some problems are just too complex to be solved with information alone, and still require the guidance of an expert to…
  • Could The FPA’s Waning Power Given Its Declining Market Share Of CFP Certificants Lead To Its Untimely Demise?

    Michael Kitces
    27 Oct 2014 | 4:01 am
    Since the merger of the IAFP and the ICFP over 14 years ago, the FPA has faced trying times. Amidst a backdrop of aging advisor demographics, a growing tide of retirees, and a declining total headcount of financial advisors, the FPA has never managed to grow materially beyond its peak membership on the day it was born, and since the 2008 recession was suffered from a 17% decline in membership and a 36% decline in revenue. Yet the reality is that notwithstanding the difficult environment, the number of CFP certificants has nearly doubled since 2000, and the FPA’s failure to grow actually…
  • Weekend Reading for Financial Planners (Oct 25-26)

    Michael Kitces
    24 Oct 2014 | 11:01 am
    Enjoy the current installment of "weekend reading for financial planners" - this week's edition kicks off with a new study from the Financial Planning Coalition that finds barely 1/3rd of those advisors who hold themselves out as "financial planners" are actually doing financial planning, and that therefore regulators need to be more proactive in overseeing financial planners and how they hold out to the public to reduce the confusion. Also included in this week's news was a study from Cerulli Associates which finds that while the wirehouses have taken criticism for focusing on high net worth…
  • Financial Independence In Lieu Of Retirement, And Other Phrases That Should Be Banished From Retirement Planning

    Michael Kitces
    22 Oct 2014 | 4:01 am
    As the research into behavioral finance has shown, the words we use and how concepts are framed can have a powerful impact on how we see the world and consider the opportunities that may lie before us. A strategy can go from being appealing to terrifying (or vice versa!) based solely on how it’s explained. And in the context of retirement, there are a lot of words and phrases that may unintentionally be hampering our efforts to have a productive planning conversation. For instance, with the rise of Monte Carlo analysis, it’s become increasingly popular to talk about the probability of…
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    Epic Finances - Investment Blog

  • Stock Investing Myths and Truths Part 4 of 4

    Carmello
    10 Oct 2014 | 3:00 am
    Welcome back and thanks for joining us for the final Part in our 4 Part blog series about investing myths. We have two final stock investing myths for you today that will shed some light on misconceptions that people have about stock investing and, hopefully, help you to avoid them yourself. So without further ado, let’s get started. Enjoy. Myth #7: Dividend stocks don’t deliver high returns. Many growth investors view dividend stocks as stable (which is a good thing) but also as having slower growth and thus having an inability to bring high returns. Research performed by Ned Davis…
  • Stock Investing Myths and Truths Part 3 of 4

    Carmello
    3 Oct 2014 | 3:00 am
    Welcome back for Part 3 of our 4 part series on the myths behind stock investing. We’ve already seen, and debunked, four myths that have been around for quite a long time, and hopefully these have given you an idea about why doing your own research, and forming your own opinions about stock investing, is so important. Today’s blog will hopefully do the same so let’s get going. Enjoy. Myth #5: Losses on paper aren’t important. Stocks are what is known as “liquid assets”, meaning that at any time they can be sold or liquidated throughout the trading day. Many investors rationalize…
  • Stock Investing Myths and Truths Part 2 of 4

    Carmello
    26 Sep 2014 | 4:00 am
    Welcome back for Part 2 of our 4 Part series on Stock Investing Myths. As we told you in Part 1, even though there’s plenty of information about what works and what doesn’t when it comes to investing in the stock market, many myths still refuse to die and, if you have heard one (or several), this blog series will hopefully persuade you not to be fooled by it. Off we go. Myth #3: The only option that you have are Large-Cap stocks While it makes sense that the investment media focuses on stocks that belong to the Dow Jones industrial average or the S&P 500 index, because they’re the…
  • Stock Investing Myths and Truths Part 1 of 4

    Carmello
    19 Sep 2014 | 3:00 am
    One of the biggest reasons that many investors underperform is that they follow strategies based on myths rather than doing their own research and using due diligence. While a plethora of studies exist showing what does and doesn’t work, there are a number of myths that continue to endure and avoiding them will definitely make a substantial difference in your profits over time. In this 4 Part series we’ll take a look at some of the biggest myths and do our best to debunk them for you. Enjoy. Myth #1: Excellent companies always have excellent stocks While it wouldn’t be a stretch to…
  • Why SM Energy (SM) is a Growth Stock to Watch

    Carmello
    12 Sep 2014 | 3:00 am
    Most investors know that growth stocks can be some of the most exciting stocks on the market. The reason is that they tend to catch the attention of other investors and thus produce big gains. Everything that goes up must come down however and, when the growth is over and the downside begins, finding companies that still have strong growth prospects is the most important factor for an investor looking for a good stock that will provide top-notch long-term gains. SM Energy Company (SM) is one of those companies, and it appears to be very well-positioned for excellent earnings growth in both…
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    cheapbohemian

  • The Angel of the House Has Left the Building

    Lisa Schamess
    29 Oct 2014 | 6:51 pm
    Here is all I know about the day my mother left:I wasn't alive. For as long as I could remember, the family had told hilarious stories of hijinks and mayhem that did not involve me. They always went something like this:Older sister: Mom, Dad, remember that time when we had all those jars of pennies, and we counted the pennies, and there were so many that we had enough for all four of us go to Six Flags together?Mom: Of course!Dad: That was so fun!Older brother: Haha, yeah!Me: When was that? I don't remember.Everyone in unison (turning to me): YOU WEREN'T ALIVE.I was six years behind my…
  • Trigger Warning: Life

    Lisa Schamess
    15 Oct 2014 | 3:11 pm
    To the best of my knowledge, compost worms do not experience rage. This is not a verifiable fact, of course. But after four years as a worm wrangler, I'd say that the skill sets required to be a worm are incompatible with rage of any kind.Panic, on the other hand, seems to set in fairly regularly.Every few months, I lift up the lid on the bin to reveal Wormaggedon. The young ones are clumping around the edges, clinging frantically to each other above the soil line, while the senior worms muck about in the dirt doing whatever senior worms can do. I can never tell if they are…
  • Sometimes, She Was Not Reading Women

    Lisa Schamess
    6 Oct 2014 | 5:47 am
    So I embarked on this crazy project, to read every book in my house. The first book took me two weeks to finish. The next one took about a week. The third one, I devoured in three days. I started filling notebooks and underlining quotes and scribbling ideas in the margins. Just like my mom used to do.Beautiful as they are, these books I am reading are not what you would call pleasure books. They lead not to escape but to confrontation. I'm not knocking escape, mind you. I just, lately, crave the real.Blame it on the company I'm keeping these days. I am suddenly surrounded by other…
  • The Years of Reading These

    Lisa Schamess
    5 Oct 2014 | 1:49 pm
    This pile of books won't t strike you as a big fucking deal.Nothing more than a little housecleaning, you'd say. That's partly right. Of course, the housecleaning it represents has taken place repeatedly, and futilely, for 20 years in some cases. I harbor fantasies that I will actually read every book in my house one day. To that end, I move them around from room to room in pile after pile, always seeking the elusive thing that will make it true.If you do the math, you know that we can only read a few thousand books in our lifetime.  Really. Carl Sagan says so.At most, in the best…
  • The Intimate Web, Part III: Load More, Load More

    Lisa Schamess
    10 Sep 2014 | 8:48 pm
    Painting by Gilda SnowdenHow do you pay homage to one person you've never met, one person you encountered briefly in the welter of the Internet?How do you slow down to see as she might see, then stay to celebrate the moment when your eye first met hers?Detroit painter Gilda Snowden is newly gone now. It's just been a day since her heart stopped in her 60th year. One of my newest Facebook friends posted her photo, and from there I went to her page, and from her page I went to explore the great wide sea with my little Internet.There is a lot to try to know about Gilda Snowden's…
 
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    The Savvy Scot

  • 10 things to know before you get a Great Dane

    Pauline
    30 Oct 2014 | 3:05 pm
    Little Napoleon, the cutest Great Dane to ever walk the Earth, has been with us for a few months now, and in an attempt to see how to keep him happy and healthy, I have learned quite a bit that I wanted to share if you are considering a giant breed.   They are huge I know, duh. He was so tiny as a puppy he fit in the motorcycle pannier to get home, but I think he will get almost as big as the entire motorcycle. The average height of a Great Dane is around 90cm, 180cm if they stand, and the average weight 120lb. That is a small adult! Think about it when it is time to go on a road trip or…
  • Make your own junk food! Chapter two

    Pauline
    27 Oct 2014 | 11:05 pm
    Last time, we looked at easy recipes to replace convenience food, making your own burger, fries, soda, mayo and salad dressing. You won’t regret spending a little time in the kitchen to make a much healthier, tastier and cheaper version of junk food. And imagine the time you spent as an investment in your most valuable asset: your health, causing you less doctor visits and bills. Today I have more easy “junk food” recipes for you, enjoy!     My brother, not really convinced by pizza night…   Make your own pizza I shared my pizza recipe here. Pizza is great because you…
  • How to Fund Home Improvements

    Pauline
    24 Oct 2014 | 5:40 am
    Credit A recent survey by Lloyds TSB has suggested that the total spent by UK households on DIY has fallen to its lowest level since 2000, with more homeowners than ever resorting to a simple lick of paint or some new wallpaper to improve their home. An average British household now spends just £352 on home improvements, a 13% fall since 2009. The phenomenon we’re seeing is largely attributable to the sheer cost of improving our properties. With money tight for most of us, we simply don’t have the capital to do more than spruce up our homes. Well, we’ve got some good news for you. If…
  • When spending less is more important than earning more

    Pauline
    22 Oct 2014 | 11:11 pm
      I have always said that when it comes to choosing between earning more or spending less, I am on the earn more side for a variety of reasons, which boil down to two points: You can always make more. If you have two arms and a sane mind, there are no excuses. You can make the time by stopping watching TV. You can make money during your three hour commute by working online. You can make money on top of your college class load, at night and on weekends if you stop partying so much. And if your side hustle works out, you can make a career out of it. There is no limit to how much you can…
  • Make your own junk food!

    Pauline
    20 Oct 2014 | 11:05 pm
    I have been reading Salt, Sugar, Fat: How the food giants hooked us and it is pretty alarming. Basically, in a never-ending quest to make their products taste delicious, flavor busting in your mouth while they score more and more market shares, the food giants have loaded the convenience food we it with salt, sugar and fat. The author says he visited the Cheez-Its factory and was given a taste of Cheez-Its without salt, which he found disgusting, while he can eat the normal stuff forever. Every day, chemists and scientists try to develop foods that will trigger an eating reaction similar to…
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    I Need Money

  • The Emerging Financial Markets: Do they represent a Viable Investment Opportunity in the Current Climate?

    admin
    12 Oct 2014 | 4:01 pm
    Despite considerable growth in recent times, the tide of the global economy is beginning to turn. More specifically, the European and U.S. stock markets have seen a sharp and sudden decline during the last week, as fears over a potential recession have gathered momentum and had a huge impact on financial traders. With the global property market also facing a potential crash, investors are being forced to adopt a risk-averse amid swathes of disappointing economic data. Both the FTSE 100 share index and the Dow Jones have fallen by 1.4% and 2% respectively as a result of this, while Germany’s…
  • 4 Ways a Business Lawyer Benefits Your Bottom Line

    admin
    5 Oct 2014 | 2:10 pm
    Hiring a designated attorney for your business might seem like just one more start-up cost that you can’t afford.  But the fact is you can’t afford not to have one. If one of your goals is for your business to make money, then finding the right attorney for your business needs to be a high priority.  Sure, go ahead and pick your catchy name and get an artist to design your logo.  That stuff is fun. But go no further until you have an experienced attorney who will not only make sure you do everything by the book, cross all your t’s and dot all your i’s, but actually assists you in…
  • The Different Types of Insurance: Are you covered?

    admin
    14 Sep 2014 | 2:04 pm
    While most people will have some sort of insurance, many individuals fail to recognise the changes that have impacted on this industry in the last decade. More specifically, a huge number of new financial products have been created to suit changing consumer needs, from standard items such as home and travel insurance to more complex coverage relating to commercial assets and intellectual property. Without knowledge of this evolution and the contemporary range of insurance products, you may find yourself exposed to the risk of financial loss and damage. The Main Types of Insurance Available to…
  • How Online Shopping Can Help You to Save Money

    admin
    31 Aug 2014 | 2:32 pm
    Online retail now represents a huge global business, and one that is only likely to grow proportionately over the next five years. Retail sales on the online market are expected to rise to $370 billion by the year 2017, which represents an increase of $139 billion since 2012. This is not only good news for business owners, however, as customers can also benefit by accessing online deals and discounted rates through the World Wide Web. While the Internet has succeeded in making it easier than ever for customers’ to save money while executing high-ticket purchases such as cars, however, it…
  • The 7 Greatest Investments of All Time

    admin
    24 Aug 2014 | 3:00 pm
    Truly great investments tend to make household names out of business people and entrepreneurs who would normally be fairly anonymous. Names like Warren Buffet and Mark Cuban are nearly as familiar as the names of Hollywood actors and star athletes. But, the companies that these financial phenoms invested in aren’t always so well known. For many, this is the precise reason these investors were able to capitalize on ROIs reaching up to 1,000 times the amount they put in. So, what does it take to get a Mark Cuban sized return, and how long will it take? Better yet, who are these brilliant…
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    Zoho Blogs

  • Announcing Zoho SalesIQ – Real-time sales intelligence platform with tight Zoho CRM integration.

    Ambi Moorthy
    30 Oct 2014 | 8:56 am
    You run an apparel store. There’s a visitor who walked in after seeing your weekly ad. She paces up and down the ‘Outdoor’ aisle but can’t seem to find what she wants. At this point, you politely step in and have a conversation with her. Turns out she’s just looking for a sweatshirt. You lead her into the ‘Winterwear and Thermals’ aisle and show her a few options. She’s thrilled and picks one of them. Both of you are happy. What if you could have such real-time conversations with your website and online store visitors? There was no way you…
  • Discover better ways to exceed customer expectations – Introducing Customer Surveys in Zoho CRM

    Indupriya
    29 Oct 2014 | 6:54 am
    Zoho Survey is now integrated with ​Zoho CRM. If your CRM is the lifeline of your business, this integration is the perfect combination to transform customer relationships from direct feedback. Whether you need to create a simple Net Promoter Score (NPS) survey or a detailed feedback questionnaire, you can get it done in a jiffy. Zoho Survey combines an easy to use interface with a number of question types and, if you need a ready-made survey, use a pre-built template questionnaire as your survey. Build your questionnaires with Zoho Survey and schedule them for periodic feedback or to…
  • 4 Ways Web Design can improve your Search Rankings

    Gautham G
    28 Oct 2014 | 10:53 am
    Design, as we explained earlier, plays a major role in making a great website. A design which is simply visually appealing, however, doesn’t necessarily guarantee a good rank in a search engine. The internet is peppered with beautiful websites which do poorly on search engines. Websites need to adhere to certain guidelines to ensure great optimization for search engines We have talked about the basics of Search Engine Optimization (SEO) in our earlier blog. Here are 4 ways Web Design can improve your Search Rankings: 1. Easy navigation A good design means offering a great user…
  • Basecamp users, BUMPing is now easier than ever!

    Hari Narayanan
    28 Oct 2014 | 8:05 am
    Ever since we launched BUMP, our Basecamp User Migration Program, organizations​by the hundreds​have been migrating to Zoho Projects. ​Why are they doing that?​WithBasecamp, you only get the basics covered like sharing files, assigning tasks and checking due dates. Zoho Projects is an advanced project management system with milestones, Gantt charts, dependencies, sub tasks, document management, advanced reporting, issue tracking and a lot more. ​And you don’t pitch camp, when the doors of a palace are open before you! The first version of BUMP required you to do a…
  • Feeds – The New Way To Collaborate in Zoho CRM

    Laura Burrus
    28 Oct 2014 | 7:00 am
    Stay in the loop of what’s going on in your business through Feeds, the real-time social collaboration tool for Zoho CRM.  We’ve taken the difficulty out of trying to stay on top of big deals and seamlessly organized them into one feed in your CRM Now, instead of having to go through individual records for each member of your sales team, you can automatically follow big deals that are entered into Zoho CRM. You can set up auto-follow rules so you get notified of big deals and other important activities in your feed. There’s no need to hit a sync button or refresh the…
 
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    Cult Of Money

  • Why You Should Plan Ahead Before Getting a Loan

    Robert Farrington
    30 Oct 2014 | 1:15 am
    Planning should be an essential part of taking out a loan. When you fail to plan you’ll often get stuck with horrible terms, a high interest rate, and you may not even qualify for a loan at all. To increase your chances of getting the best possible deal and making sure you’re setting yourself up on solid financial footing, check out these tips. Start Saving The least amount of debt you take on the better. If you’re going to be making a big purchase, like a car or a home, make sure you can cover a significant portion of the cost with cash. It’s tempting to take a loan for the whole…
  • How a Minimalist Life Saves You Money (And How to Get Started)

    Alexa Mason
    29 Oct 2014 | 1:15 am
    I’ve wrote before about how cleaning your house can save you money. Over the weekend I had another similar experience. You see, I used to stay on top of my kids’ toy clutter. You know, the presents grandma and grandpa insist on giving them every other week, the cheap kids meal toys, and the random things we seem to always be brining into our house. At least every month I would go through my kids’ room and bring out a trash bag full of junk toys. Then I slacked off. So over the weekend my girls and I decided to go through all of their toys again – being very intentional with what we…
  • How to Take Advantage of the ‘Year of the IPO’

    Robert Farrington
    28 Oct 2014 | 1:15 am
    The end of a global economic slowdown brings many interesting side effects.  For investors and businesses, it means that many years of little growth come to an end, and longstanding plans can finally come into effect. Which has all led to many pronouncing 2014 ‘the year of the IPO’, as businesses seek to take advantage of more favourable conditions by floating on the stock markets. Certainly, there has been a raft of IPOs so far this year: GoPro, Jimmy Choo, Weibo and Zendesk are just a few of the major brands around the world to arrive on the stock markets. And of course, the biggest…
  • The 5 Dumbest Ways I’ve Wasted Money

    Alexa Mason
    22 Oct 2014 | 1:15 am
    I write a lot about personal finance. And while I try my hardest to dish out only financial advice that I actually follow myself, sometimes I fail. Now didn’t get me wrong, there’s a lot that I do to keep my personal finances in track and then there are those things I slip up on but never tell you about. So today I thought I’d humanize myself a little more and tell you all about the major personal financial fails I’ve had or still do commit. You ready? # 1 – Buying a Crap Load of Amazon Instant Videos When I first got divorced a little over two years ago I went on a complete TV…
  • 7 Christmas Shopping Apps and Websites to Save You Time and Money

    Alexa Mason
    15 Oct 2014 | 1:15 am
    It’s hard to believe but Christmas is fast approaching! If you start doing some smart shopping and planning now, you can give thoughtful gifts on a tight budget. To make it even easier for you to save money this Christmas I’ve rounded up the top seven Christmas shopping tools that will save you both time and money. # 1 – Slick Deals (APP) Slick deals is a website where community members and moderators can share good deals from retailers. They also offer coupons for a wide range of stores. You can check them out online at SlickDeals.net or download their mobile app. # 2 –…
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    PFhub - Business, Financial & Economic News

  • Time Warner Cable Lost 184,000 Subscribers in 3rd Quarter

    Andrew Moran
    30 Oct 2014 | 9:04 am
    Consumers are continuing to cut the cord and head to the Internet for their content needs. Time Warner Cable (NYSE:TWX), the No. 2 cable company in the United States, announced its third-quarter results Thursday in which it reported a decline in video subscribers as they sought out streaming services like Netflix. In the three months […]The post Time Warner Cable Lost 184,000 Subscribers in 3rd Quarter appeared first on PFhub - Business, Financial & Economic News.
  • Google Inc. X Lab Working on Magnetic Pill to Detect Cancer

    Kaitlin Longmire
    29 Oct 2014 | 5:56 pm
    Google X is a low profile, half secret facility run by Google Inc. (NASDAQ:GOOG) that deals with the technological aspects of the company. The Google X lab is famous for pushing the boundary and trying new things. The credit of Google Glass, self-driving car, internet beam balloons etc all goes to Google X and now […]The post Google Inc. X Lab Working on Magnetic Pill to Detect Cancer appeared first on PFhub - Business, Financial & Economic News.
  • iPhone 6 Delays Has Increased Value of Older Models

    Kaitlin Longmire
    29 Oct 2014 | 5:29 pm
    Launch of Apple Inc.’s (NASDAQ:AAPL) new iPhone 6 and 6 Plus was probably this year’s most anticipated news in the world of technology. Both smartphones were the talk of the town for months before they were launched and even after their release both iPhone 6 and 6 Plus are still in demand. Apple is trying […]The post iPhone 6 Delays Has Increased Value of Older Models appeared first on PFhub - Business, Financial & Economic News.
  • U.S. Launches Lawsuit Against AT&T Over ‘Data Throttling’

    Andrew Moran
    29 Oct 2014 | 9:34 am
    The United States government’s Federal Trade Commission (FTC) has filed a lawsuit against AT&T over allegations that the telecommunications giant sold consumers unlimited data plans but would later reduce the Internet speeds once the customer exceeded a certain amount of data. According to a filing made in federal court by the FTC, AT&T (NYSE:T) reduced […]The post U.S. Launches Lawsuit Against AT&T Over ‘Data Throttling’ appeared first on PFhub - Business, Financial & Economic News.
  • Lowe’s Hires Robots as Sales Reps for Holiday Season

    Andrew Moran
    29 Oct 2014 | 9:16 am
    The term robot first appeared in a 1920 Czech science-fiction play entitled “R.U.R.” The play is about a factory that produces autonomous robots that look exactly like humans. At first, they are pleased to serve humanity, but as times goes by, they become rebellious and attempt to wipe out humanity’s existence. Robots have greatly evolved […]The post Lowe’s Hires Robots as Sales Reps for Holiday Season appeared first on PFhub - Business, Financial & Economic News.
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    Wealthy Turtle

  • Trade Show Season – Bring Your POS and Keep More Orders

    Mike Collins
    30 Oct 2014 | 11:40 am
    Right now retail and wholesale focus are rightfully on upcoming holiday season. However, for wholesalers there’s another season that needs to be taken into consideration immediately following the last shipping day of the year. Preparing for a trade show can take just as long as preparing for your busy season. Getting some clarity and focus on what your trade show goals should be started even before Halloween. Big Numbers and Big Business Dollar for dollar trade shows one the best venues for wholesalers and manufacturers get their products in front of buyers. Beyond catalogs, beyond the…
  • Last Minute Halloween Treat Ideas for People Who Forgot to Buy Candy

    Mike Collins
    29 Oct 2014 | 3:58 am
    Forgot to pick up Halloween candy?  No worries…here are some candy alternatives that trick or treaters will enjoy . Oh boy.  Halloween is almost here and you still haven’t picked up any candy to give trick or treaters??  Do you want to get your house covered with eggs and toilet paper? Ok let’s not panic. I said don’t %#&!%$ panic!! There are plenty of other things you can give trick or treaters right?  For example… Who needs artificial flavors when you can have some naturally sweet and tasty fruit?  When the kids give you that look of confusion and…
  • 5 Things You Should Never Buy at Costco

    Mike Collins
    23 Oct 2014 | 5:11 am
    I’ve written many times about my love for Costco.  They pay their employees better than most companies, and I even did an intensive shopping comparison to prove that Costco prices are almost always cheaper than you’ll find elsewhere. So when I came across an article listing five items you should NOT buy at warehouse clubs like Costco and Sam’s Club, I naturally had to check it out. Below you’ll find the five items on their list and my thoughts on each. Books, CDs, and DVDs Whenever I’m at Costco I do a quick scan of the books and Blu-rays and I have found a good deal from time…
  • Are You Sure Your Life Insurance Beneficiary Designations Are Set Up Properly?

    Mike Collins
    21 Oct 2014 | 3:26 am
    Don’t let your family be torn apart or an old ex have the last laugh.  Update your life insurance beneficiary designations today. Life insurance is one of those topics that no one really likes to think about.  It’s much easier to pretend that we’ll live forever, but unfortunately that just isn’t true. Since you’re a responsible person and you want to make sure your family is taken care of when you’re gone, you probably already have a life insurance policy (if you don’t you should start shopping around for one now). But even if you already have more than enough life insurance,…
  • Keep Warm Without Burning Through Your Budget

    Mike Collins
    17 Oct 2014 | 5:33 am
    Winter is coming and if you’re like most people, your heating bill is one of if not the biggest household expense you have.  So I’m sure you will agree that it only makes sense to try and trim your heating bill as much as possible.  And the good news is that even small changes to your habits can have a large impact on your total utility bill. Here are some simple tips for lowering your winter heating costs: Lower Your Thermostat – Keep your thermostat turned down as low as you can while still being comfortable.  Every degree you lower the thermostat will cut your bill by about 3%,…
 
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    Bank On Yourself

  • Your Money Revolution Video Clip: How Mutual Fund Fees are Devouring Your Savings

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

    Pamela Yellen
    21 Oct 2014 | 9:41 am
    The top-secret project I’ve been working on for a year is now live! As I mentioned in my previous emails, it has the potential to completely transform your finances and end your biggest money worries in short order. It’s a culmination of ten years of research… and the result of listening to the concerns of more than 92,000 subscribers to this ezine. I can honestly say that watching this video I’ve put together for you could end up being the single most important thing you do for your finances – bar none. And as one of my loyal subscribers and supporters, I wanted you…
  • Why Your Retirement Account is Missing $186,000

    Pamela Yellen
    16 Oct 2014 | 2:33 pm
    An eye-opening Report released last month by the Center for Retirement Research at Boston College reveals that the fees charged by mutual funds and 401(k) and IRA plans will slash the value of the typical person’s account by almost 37%! That means if your account should have been worth $500,000, you end up with only $314,000 – all because of stealth fees that are draining your hard-earned savings! That’s $186,000(!) of your money that will end up in other people’s pockets, not yours. These money-sucking fees often apply even to funds that track stock market indexes such as…
  • Fed says most Americans “extraordinarily vulnerable” to financial setbacks

    Pamela Yellen
    9 Oct 2014 | 2:03 pm
    A comment last week by Federal Reserve Chair Janet Yellen (read Is Pamela Yellen Related to Janet Yellen?) sent my inquiring mind down an investigative rabbit hole. Janet stated that the Great Recession showed that a large number of American families are “extraordinarily vulnerable” to financial setbacks because they have few financial assets to fall back on when the you-know-what hits the fan. She cited a new study showing that an unexpected expense of just $400 would force the majority of American families to borrow money or to have to sell something to cover it. Just $400!
  • Do you feel lucky?

    Pamela Yellen
    19 Sep 2014 | 10:52 am
    For two years before the dot-com stock market bubble crashed, my husband Larry and I studied “stock charting” with one of the country’s top technical analysts. It’s one of the 450+ financial strategies and vehicles I’ve investigated over the last 25 years. Stock charting looks at patterns in the charts of stocks, indexes and various market indicators to determine the best times to buy or sell, based on the knowledge that history repeats itself. (Frankly, I don’t have the patience for that kind of analysis and found it excruciatingly boring.) We owned a lot…
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    DINKS Finance

  • Weekly roundup: Halloween, Marriage and Money

    Kristina
    31 Oct 2014 | 2:00 am
    Good morning Dinks and Happy Halloween.  Are you giving out candy tonight?  Nick and I live in an apartment building and I have yet to see a child in this neighborhood so we are going to stay in eat candy and watch scary movies.  A few of our other childless friend couples are going to see The Rocky Horror Picture Show so they aren’t giving out candy either.  I’m just wondering if you don’t have kids what’s the proper protocol on Halloween – do you still give out candy? Have a fun Halloween enjoy these posts from our friends: Money Talks News – Go Big…
  • Online Banks: Are you convinced?

    Kristina
    30 Oct 2014 | 2:00 am
    Good morning Dinks.  Do you have an online bank yet?  I’m not asking if you log into your bank’s online portal to pay bills and transfer funds.  I want to know if your primary bank is completely virtual. When online banks were first introduced it was a nightmare for me as a financial planner, but as a client I was intrigued.  Online banks were offering rates that traditional banks couldn’t compete with and therefore we were losing a major chunk of savings to our new online competitors.  I knew I couldn’t compete with the low service fees and high interest rates…
  • What if you didn’t have to work 9 to 5

    Kristina
    29 Oct 2014 | 2:00 am
    Good morning Dinks.  Two months ago my company announced they are being sold to a competitor and although it’s supposed to be “business as usual” my current employer can’t help but talk about how beneficial it will be once the takeover begins. What is a flexible work schedule? Our new employer is offering a variety of flexible work arrangements including a 10/4 schedule where employees can do their 40 hours in 4 days with 10 hour work days.  They are also allowing employees to work from home up to three days a week as well as offering a variety of 8 hour shifts with…
  • Do you gamble with your money?

    Kristina
    27 Oct 2014 | 2:00 am
    I’m not asking if you go to a casino and drop $500 down on the table for one hand of Black Jack or one roll of the dice.  I mean do you like your income, expenses and debt to be consistent every month or are you OK if they fluctuate? Even though I’m young and I work in personal finance I am what you call risk adverse – with both my money and my life.  I don’t like change and the possibility of the unknown makes me uneasy.  I like having a daily routine, I like knowing what I should expect throughout any given day and I don’t like to see major spikes or…
  • Extreme Early Retirement

    James
    26 Oct 2014 | 8:10 pm
    Folks, I don’t know how many of you are big followers of personal finance blogs – however if you haven’t heard about the extreme early retirement movement, it worth reading up on. The main idea is to maintain your lifestyle while minimizing your input of efforts and money. People who are really into the lifestyle often manage to generate large amounts of resources over time so there may be something to the philosophy. More generally if you’re looking to find ways to save money, the extreme early retirement literature is full of great resources on frugality, money…
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    Wallet Hub

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

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

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

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

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

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

  • How Universities Gamble With Student Money

    Darwin Ruiz
    17 Oct 2014 | 1:44 pm
    Is your university or college setting you up for a healthy financial future? There is growing concern by the Department of Education and CFPB over practices universities utilize with their student population and the effects they’re having on the financial well being of students. Tuition costs continue to rise, college credit cards are peddled to students on campus like […]
  • Student Loan Rehab: How to Recover and Avoid Defaulting on Student Loans

    Darwin Ruiz
    9 Oct 2014 | 8:56 am
    Being unable to repay student loans can create extreme financial stress. As many young graduates work hard towards securing a career, an unstable employment market and rising cost of living can be a big financial squeeze. As a result, many new graduates are falling delinquent or behind on their student loan payments, and some even […]
  • Will the New 2014 Obama PAYE Student Loan Program Affect You?

    SLH Staff
    3 Oct 2014 | 10:33 am
    Student loan debt has reached an all time high of $1.2 trillion USD. It’s the second largest form of household debt among consumers after mortgages. It’s been a topic of concern within the academic and political arenas, with numerous policy attempts at easing the financial burden for students and the nation’s economy. Much legislation has […]
  • 3 Signs It’s Time to Refresh Your Student Loan Repayment Strategy

    Dan Macklin (SoFi)
    19 Aug 2014 | 5:33 am
    When you’re trying to find student loan repayment advice, most help is aimed at borrowers who are struggling to make monthly student loan payments. And with good reason – when you’re shouldering tens of thousands of dollars in education debt, and monthly payments you simply can’t afford… you need all the help you can get. […]
  • Press: 5 Start-Ups Make Paying Back Student Loans Easier

    SLH Staff
    14 Aug 2014 | 8:28 am
    NBC News recently wrote about 5 start-ups that help college grads and student loan borrowers repay their student loans. The 5 financially focused companies mentioned were: Student Loan Hero – The Smartest way to Repay Student Loans. LearnVest – Financial Planning Tools for Young Adults SponsorChange – Connecting Student Loan Borrowers to Non-Profits Tuition.io – […]
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    Everyday Financial Strategies

  • 7 Steps to create an estate plan you can be proud of

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

    Robert
    20 Oct 2014 | 4:00 am
     This post was originally published on 11/26/2012 When you hear the term “frugal living” or “frugal,” what thoughts does it generate? Is it negative or does it sound restrictive like the word “budget?” According to Wikipedia, the definition of frugality is, “The quality of being frugal, sparing, thrifty, prudent or economical in the use of consumable resources such as food, time or money, and avoiding waste, lavishness or extravagance.”   Frugal living doesn’t have to be a bad thing, in fact it is necessary to be able to…
  • The best tax move you can make: increase your charitable giving

    Robert
    13 Oct 2014 | 4:45 pm
     Giving to charity is good for the spirit and can be good for the pocket-book. Increasing your charitable giving will decrease the amount you send to Uncle Sam. My goal every year is to not give the government more or less than what I owe. This includes federal and state taxes. However, since the tax code and tax rate tables are so complicated, getting to zero is nearly impossible. Over the past couple of years, my wife and I have had the pleasure of being required to pay estimated taxes. These are quarterly tax payments made to the government. Estimated taxes are required when not…
  • Do you make these FIVE investing mistakes?

    Robert
    7 Oct 2014 | 12:23 pm
     You may be making investment mistakes and you don’t even know it. These mistakes may be costing you hundreds, thousands, or maybe millions of dollars. Investing is not rocket science, but if you are not careful or do not know what you’re doing, then you could make these investing mistakes: Not ready: If you are not ready to invest, than you have no business being in the market. This would include if you have consumer debt or money saved for emergencies. Clean up your mess first, before you start investing. Buying single stocks and bonds: It sounds cool to talk with your…
  • 3 Reasons why you should not invest in retirement plans

    Robert
    29 Sep 2014 | 3:53 pm
     Don’t invest your money in retirement plans. I have my reasons for this startling statement. The title of this blog sounds like I am against investing, but that is far from the truth. In fact, I love investing and recommend that you do it IF you are ready. There are three main reasons that indicate you SHOULD NOT invest in retirement plans. Retirement plans include 401ks, IRA, 403bs, 457s, etc. Consumer debt: Car loans, car leases, student loans, and credit card debt is squeezing your budget. Debt equals risk, if your personal finances are at risk, than you must clean up your…
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    Modest Money

  • Do You Really Need a Meeting Room?

    Adam
    30 Oct 2014 | 6:15 am
    For small businesses and those who have recently started up, presenting to potential customers and partners is essential. But having a dedicated meeting room is an infeasible expense for most fledgling companies. In an age where cost-saving cloud-based communication platforms like Skype are readily available, are potentially costly face to face meetings really still necessary? Statistics suggest that they could be more beneficial for your company than you think, so can you afford not to have them? Whether you’re keen to retain a regular physical presence or not, there are ways to have…
  • Making an Impression With Plastic Business Cards

    Adam
    29 Oct 2014 | 6:15 am
    For business professionals who have an increasing need to make a permanent impression with their potential clientele plastic business cards are the perfect way to stand out.  Unlike paper cards that end up in endless stacks or immediately tossed in the garbage, plastic business cards are so unique that people will keep them handy. Let’s look at a few items that will help make your business card stand the test of time. Plastic Cards With traditional paper cards, the second that it comes out of the box it starts to deteriorate.  They smudge, wrinkle and tear.  If a drop of water is dropped…
  • Small Steps in a Long Journey for the Middle East

    Adam
    28 Oct 2014 | 3:00 pm
    It would be no exaggeration to say in many areas of professional life, women have it so much tougher. It often feels they have to be seen to be more dogged, cleverer, even more subtle and deferential than their male counterparts. This is as true in the United States as it is in many countries across Europe. But if the man’s-world mentality still finds resonance here in the West, spare a thought for women across the Middle East. For their battle for equality, though at last gaining some meaningful ground has nevertheless barely began. They’ve still a long road to travel. Paucity of…
  • The Five Stages of Fees

    Adam
    28 Oct 2014 | 6:15 am
    Getting charged a fee—especially a massive or unexpected one—can be an emotional experience. So when fees happen to you, it’s important to understand the five stages of fees. Denial The easiest way to first deal with fees is pretending they don’t exist. Fee? What fee? I don’t know what you’re talking about! Search my person and my vehicle—I think you’ll find that I’m totally fee-less. After all, a two-dollar ATM fee seems puny at the time — hey, it costs less than a latte does. And a 1.5% expense ratio on a mutual fund is just a weeny little percentage. That is, until you…
  • The Geek’s Black Friday

    Adam
    27 Oct 2014 | 6:15 am
    On Black Friday there are going to be some people who are kicking back their favorite chair with a turkey sandwich in hand. They’re not the ones who are going to be awake in the dark of the morning huddled in a shopping center parking lot, waiting for the stores to open with their doorbuster deals. The geek, and an increasing number of non-geeks, will be relaxing all weekend in order to prepare for the geek’s Black Friday; Cyber Monday. Buying Power Surge Last year Cyber Monday sales experienced a power surge in growth of 21 percent compared to Cyber Monday in 2012. According to Bloomberg…
 
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    Save Invest Give

  • Times Like These

    S. B.
    20 Oct 2014 | 10:03 am
    It's times like these you learn to live againIt's times like these you give and give againIt's times like these you learn to love againIt's times like these time and time again- Foo Fighters, Times Like TheseThe oblique reference to giving amidst suffering in the above lyrics aptly conveys one of the more enduring mysteries of our existence.  When pain and adversity come, our natural inclination is to start clutching and grasping for all things - not just money, but time, possessions, words, and even relationships.  Giving is usually the furthest thing from our mind.The irony…
  • Ranking My Startup Ideas

    S. B.
    18 Oct 2014 | 12:28 pm
    Yes, I'm going to use that word.  Startup.  And since this was not in any of my original plans, let's see how I got to where I am now.Thousands of IdeasI'm that annoying kind of person who is always looking at the world and thinking it can be improved in some way.  Every mechanical device has some deficiency that can be remedied, and every parking lot could be better designed.  Even the line at the local coffee shop could be optimized.But I'm also a skeptic.  I love shooting down my own ideas as technically unworkable or financially impractical.  And I'm also…
  • The Surprising Math of Taxable Investments

    S. B.
    5 Oct 2014 | 4:05 pm
      Most people don't seem to be aware of just how much repeated taxation affects the compounding phase of taxable investments.  I want to highlight this issue and put a slightly different slant on it than you might have seen in the past.Nontaxable InvestmentsBut first, so as not to create any confusion, I want to state for the record that it's true that the effect of a one-time taxable event at the beginning of your growth (Roth IRA) or the end of your growth (Traditional IRA) is identical, assuming the tax rates are the same.  You start with a certain amount of…
  • Asymmetric Emotions Will Kill Your Portfolio

    S. B.
    1 Oct 2014 | 5:58 am
    Fear GreedOne of the essential ingredients of successful investing is keeping a healthy balance between greed and fear.We are all familiar with how unbalanced these factors become at market tops and bottoms.  At the top, even negative information is met with more greed, and at the bottom, even positive information elicits fear.  Yet the reality is that life rarely unfolds in such a lopsided fashion.  In most situations, there are numerous favorable and unfavorable influences, and we must perform a delicate weighing of the situation.For those who select individual…
  • Life and Risk

    S. B.
    7 Sep 2014 | 5:41 am
    This summer I began to work on a number of activities outside my comfort zone.  The very first thing I learned was that I was completely unprepared for failure.  What was even more unnerving was that I thought I was ready for it.The problem was that I expected failure to be an endpoint.  I knew that I might spend months creating a new product and then experience failure because nobody would buy it.  I knew that I might create content that no one would read.  And I knew that I might exercise daily and yet still not achieve my fitness goals.  I was prepared…
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    Take A Smart Step

  • Why it is Important to Track Your Business Finances

    Andrea
    28 Oct 2014 | 1:14 pm
      I know you have heard it – you must take care of your business finances. But it is not exactly the world’s most exciting thing to do! It is easy to put off doing it in favor of other more exciting things, like writing your blog, working with clients or organizing your file cabinet! Yet if you do spend some quality time with your finances, you might be amazed at what you learn!  (Text copy of the steps are also below the video!)     You Know How You are Doing If you don’t track your finances, it is kind of hard to tell how you are doing.  Without spending…
  • Four Ways to Simplify Your Money Management

    Andrea
    21 Oct 2014 | 2:00 am
    I know you don’t want to spend too much time managing your finances. There are countless ways you would rather be spending that time. Picking up dog poop, scrubbing toilets and being delayed 9 hours on your way to vacation – are just a few of things you may rather be doing! In an effort to help you reduce the amount of time that you spend working on managing your money – both business and personal – here are some tips to help you simplify. Create a Process A process will help you streamline what needs to be done and keeps you focused on the tasks that need to be…
  • Five Things to Do Before You Invest in that Stock Tip

    Andrea
    14 Oct 2014 | 2:00 am
    Did you recently get a hot stock tip? Ready to run out and invest in that stock? Time to slam on the breaks! Before you put your hard earned money in a tip, you should do these five things first: Do Your Own Research Don’t buy anything unless you have done your own  research!  Often times the hot tips are not researched solid tips, but what is going around the gossip areas.  (And yes there are gossip areas for stocks!) Remember It Might Be Overvalued Keep in mind that if enough people are gossiping about that great stock there might be upward pressure on the stock price that has…
  • How to Take Charge of Your Business and Your Newborn

    Andrea
    7 Oct 2014 | 6:59 am
    Running a business is hard.   Raising kids is hard.   Running a business with a kid  is very hard!   Here are some tips that will help you get through those initial months of having a new baby!  So that you and your business come out of the toddler years in one piece.   Set a schedule – you must have a plan and try to stick with it.  Babies don’t exactly follow your schedule, but having one at least gives you a place to start your day! Expect the unexpected – as much as you should try and stick to your schedule you also need to remember that things…
  • Are You Ready for a Coworking Space

    Andrea
    30 Sep 2014 | 3:21 pm
    Click on Picture to Watch Youtube Video Are you thinking about getting some office space? Maybe joining that really cool new co-working space down the road? But you’re not quite sure your business is ready for it? I want to help you figure out if it is the right move to get dedicated space for yourself or to join a coworking space. How Often Would You Use the Space The first thing that you should do is to sit down and determine how often you would be using the space.   If you would be going there every single day, then it might be worth it.   If it’s just for client meetings,…
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    NerdWallet News

  • LeBron James Returns, Cavs Ticket Prices Skyrocket

    Sreekar Jasthi
    30 Oct 2014 | 6:08 pm
    Just how much is LeBron James worth to an NBA team? It’s hard to pin an exact number on the value of the league’s best player, but here’s one telling figure: Since the news in July that LeBron James was “coming home,” the Cleveland Cavaliers have seen a 204% jump in their average resale ticket price over last season—by far the biggest increase among the league’s teams. Meanwhile, the team LeBron left behind, the Miami Heat, saw the biggest decrease in secondary-market ticket prices: The average Heat home game now costs 25% less than it did at the beginning of last season.
  • Internet Giant reddit Starts Crowdfunding Site redditmade

    Lacie Glover
    30 Oct 2014 | 3:24 pm
    The world’s most popular online forum reddit is getting into the crowdfunding corner of the Internet with its announcement Thursday that it is launching redditmade, a crowdfunding platform unique to its users. You’ve probably heard of reddit, but unless you’ve visited the site, you may not know what it is. Basically, it’s a forum where anyone can anonymously post any type of content, comment and vote on how interesting the content is. The content can be a picture, an online article, a true or fictional story, a GIF, and so on. Every post belongs to a category, or subreddit, and if a…
  • CFPB Finds Student Loan Servicers Engaged in Deceptive Practices

    Tony Armstrong
    29 Oct 2014 | 3:02 pm
    Certain student loan servicers are engaging in deceptive practices that result in preventable late fees and impede borrowers from claiming tax deductions from their student loan payments, according to a report by the Consumer Financial Protection Bureau (CFPB). Here’s a closer look at several of the CFPB’s most significant findings on illegal student loan servicing practices. The post CFPB Finds Student Loan Servicers Engaged in Deceptive Practices appeared first on NerdWallet News.
  • Is Bad Credit or Your Favorite Horror Movie Scarier?

    Lindsay Konsko
    29 Oct 2014 | 11:56 am
    With the spookiest night of the year right around the corner, you’re probably getting ready to cue up your favorite scary movie and hunker down for an evening of gasps and shrieks. But have you ever considered how these gory stories stack up to the real-life financial nightmare that is bad credit? The post Is Bad Credit or Your Favorite Horror Movie Scarier? appeared first on NerdWallet News.
  • Small Businesses Take Page from Halloween Pop-Up Shop Playbook

    Teddy Nykiel
    29 Oct 2014 | 11:53 am
    It’s the season when mega Halloween marts are popping up in malls around the country, overflowing with witch hats, grotesque makeup, fake spider webs and, this year, costumes from Disney’s “Frozen.” The biggest seasonal players in this industry – Spirit Halloween and Halloween Express – together operate nearly 1,400 pop-up franchises throughout North America, according to IBISWorld analyst Britanny Carter. The post Small Businesses Take Page from Halloween Pop-Up Shop Playbook appeared first on NerdWallet News.
 
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    The Truth About Credit Cards.com

  • MasterCard and Zwipe Launch Biometric Credit Card

    Colin Robertson
    20 Oct 2014 | 11:27 am
    By now everyone is familiar with Apple Pay, which is expected to completely change the way we pay for things. Instead of using a plastic credit card, we’ll be able to touch our iPhones to a payment terminal and select any card in our virtual wallet to complete the transaction. Apple Pay users will also [&hellip
  • Get 5% Cash Back at the Retailer of Your Choice with Discover

    Colin Robertson
    10 Oct 2014 | 12:05 pm
    Discover is running a nice little promo that lets you choose where you want to earn 5% cash back from now until November 30, 2014. This is in addition to their regular quarterly cashback calendar (check right sidebar for current deals), which from October 1st until the end of the year offers 5% cash back [&hellip
  • Get Nearly Free Lunch or a Free Ride with Uber and American Express

    Colin Robertson
    9 Oct 2014 | 9:35 pm
    Have an American Express card? Yes? Good. Use Uber? Yes? Good. You might be able to get a free $10 then. Simply log on to your account at American Express and toggle over to the “Amex Offers for You” section to see if the Uber offer is in there. I found it via my old [&hellip
  • Get $20 for Every Credit Card You Add and Use with Softcard This Month

    Colin Robertson
    6 Oct 2014 | 3:06 pm
    Good deal alert! From now until October 31st, 2014, when you add a credit card to Softcard and simply use it to tap and pay once, you’ll get a $20 Amazon gift card. It’s that easy. Well, there are some restrictions, which I’ll explain. For one, only participating credit cards are eligible for the $20. [&hellip
  • Get 80,000 Ultimate Rewards Points for Referring a Spouse to Chase Ink Plus

    Colin Robertson
    30 Sep 2014 | 10:30 am
    I’ve already talked about how Chase Ink offers one of the best sign-up bonuses in the industry. And I declared that when they were only offering 60,000 bonus points. They’ve since upped it to 70,000 points when you spend $5,000 in the first three months. But that’s not all! Now certain existing Chase Ink Plus [&hellip
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    Moneycation

  • Trouble-free ways to succeed with intraday trading

    A.W. Berry
    30 Oct 2014 | 8:20 am
    Numerous capital markets allow day trading activitesBy Jake Hyet Intraday trading, or day trading, is considered to be the most popular method of electronic trading and can furnish solid returns to individuals who are willing to take the time and have the patience to learn the system. A word of caution here, like anything to do with the stock market, it can make you a lot of money, but there is also the potential for big loss, so just be careful not to use money you can't afford to lose. Here's some trouble-free ways to succeed on intraday trading: Pick a marketChoosing only one…
  • 5 ways to make email marketing work for you

    A.W. Berry
    30 Oct 2014 | 6:00 am
    Customizing content for recipients helps boost impactWhen you start to look at ways you can promote you business online,  one method you are bound to come across time and time again is email marketing.As email is now a solid part of many of our lives it stands to reason that this could be a good way to reach your customers and promote your business. However as with any type of marketing or promotion you undertake it is about making it work for you and this means not taking a blanket approach to your marketing, but instead look at what is going to work your business.One of the best things…
  • Financial news: October 30, 2014

    A.W. Berry
    30 Oct 2014 | 3:00 am
    • Reuters: No-fee private equity investment accounting is under scrutiny by the SEC• Bloomberg:134 million Americans have shoreline property at risk from environment• BI: Businesses must weigh benefits of MCX contactless pay versus Apple Pay• ZH: Mortgage growth is sinking as evident in low mortgage application levels• MW: Former Fed Chair says market turmoil is inevitable via monetary policy• AP: U.S. economic growth is the weakest of all its post WWII recoveries• CNBC: A 16.7% chance of QE4 within 2 yrs exists per "Fed watchers"• CNN: Illinois is voting on a potential 1% tax…
  • Top tips for an effective experiential marketing campaign

    A.W. Berry
    29 Oct 2014 | 6:00 am
    Experiential marketing is an alternative to conventional methodsBy Bill Turner Often called engagement, live or participation marketing, experiential marketing is a strategy that directly engages the customer and invites to actively participate with the product or service to increase awareness of your brand.It is not to be confused with field marketing, while they both bring the product to the customers; field marketing provides information about the product through leaflets and sampling. Experiential marketing can be an effective instrument to test products or as an insight tool. To help…
  • Financial news: October 29, 2014

    A.W. Berry
    29 Oct 2014 | 3:00 am
    • Reuters: A proxy government business spending indicator fell 1.7% in October• Bloomberg: Median net worth is over $30K lower than it was in 2007• NYT: Relaxed mortgage ruling widens regulatory restriction loophole  • BI: The diversity of MBAs make them better than CFA qualification • Zero Hedge: Income expectations index data does not reflect wage stagnation• Fox: Non-federal refinancing of federal student loans is possible• DOL: Jobless claims 10/25, 287K, up 3K; average 281K, down 250 • AP: Home prices growing, but at a slower pace per 5.7% index growth data• CNBC:…
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    LCF on Personal Finance

  • Confession of Warren Buffett & a private fund manager

    ChingFoo Lieu
    28 Oct 2014 | 7:48 pm
    Warren Buffett does not mind admitting his mistakes – that’s how legendary of an investor he is. Call a spade, a spade, yes? Why do we want to be right all the time? We are human after all – and the richest man in the world can teach us this kind of humility. It is no secret that IBM and Coke represent two of Berkshire Hathaway’s 3 biggest holdings, but their operational blunders have already cost Mr Buffett more than $2.5 billion in the 4th week of October 2014. Nearly $1 billion on IBM after the company posted disappointing earnings, while Coca-Cola (KO) did the…
  • Here’s how you really recognize true wealth which you don’t see

    ChingFoo Lieu
    21 Oct 2014 | 6:33 am
    When you meet someone who drives a RM 300,000 car, do you think this way: That he has RM 300,000 less in the bank now (if he bought in cash)…or… more than RM 300,000 in debt, than he did before he bought the car…or… he earns at least RM 300,000 a year after tax income (it is not uncommon to drive a car that is at least a year’s worth of one’s income in Malaysia). We seldom think of it that way. Most of our perception of wealth is shaped via material possession, especially by what we see other people have. Since we don’t have access to their net…
  • Unbelievable Money mindset we all can learn from this Malay dude’s story

    ChingFoo Lieu
    13 Oct 2014 | 8:43 pm
    We can complain all we want on the hike in fuel prices or when some “experts” said that RM 2,500 monthly salary is sufficient for fresh graduates. If we stick to complaining, nothing is gonna change. Action & execution speak louder than words – best exemplified by Faizul Ridzuan, author of WTF? 23 Properties by 30 in his recent Facebook wall post. Not being racist here but to quote Tan Sri Clement Hii – “…I won’t know how the perception of Malays being “lazy” come about. But I have Malay friends, staff and business associates who are…
  • Road Accidents, Investment and Financial Planning

    ChingFoo Lieu
    2 Oct 2014 | 7:55 pm
    Despite the high road accident rate in Malaysia, we continue to drive everyday as normal. Of course, no one is a fool as we all are aware of the risks on the road but we manage it by cautious driving. And we will definitely disallow our young children to drive as they are not old enough to know the danger. When it comes to investment, there is always a risk of losing money but we still need to invest to hedge against inflation. The risks, then, are managed through careful asset allocation and diversification. As for investment, we learn from own experience or better, from experience…
  • Life Planning – use “Start with Why” to see tangible result

    ChingFoo Lieu
    23 Sep 2014 | 8:26 pm
    Most of us undermine the importance of planning our finances. The maxims of “Spend less than you earn”, “Invest for Long Term”, “Never get into Bad (aka Lifestyle Debt) and “Protect what we cannot lose with insurance” immediately come to mind. Nobody is stupid – we KNOW it is important to practice/kick start them sooner or suffer the consequences in later days,  yet often, we Procrastinate about it. Why? It probably has to do with how we, homo sapiens, are naturally emotional creatures. We act and make decisions driven not by reasons, but by something…
 
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    Money Soldiers

  • Why Investing in Accessories Makes More Sense than Paying Big Bucks for Hardware

    Arnel Ariate
    29 Oct 2014 | 6:54 am
    Money doesn’t grow on trees.  This is especially true if you’re a small business owner trying to finance your latest expansion.  You need to keep growing to keep thriving, but that means that sometimes you have to take a calculated risk.  You have to decide where to put your money.  For a lot of people, […]Why Investing in Accessories Makes More Sense than Paying Big Bucks for Hardware is a post from: Money Soldiers - Helping you fight your financial battles © 2012-2013, All Rights Reserved
  • Using a Brokerage Firm for Your Auto Dealership Purchase

    Arnel Ariate
    29 Oct 2014 | 5:33 am
    Deciding to purchase an auto dealership is an undertaking that requires a high amount of due diligence, research and expertise.  Choosing the right dealership for your investment can mean years of high profits and traffic for your new business.  Hiring an expert is the best way to get the highest return on your investment and […]Using a Brokerage Firm for Your Auto Dealership Purchase is a post from: Money Soldiers - Helping you fight your financial battles © 2012-2013, All Rights Reserved
  • Clever and Creative Ways to Cut Down on Your Commuting Costs

    Arnel Ariate
    28 Oct 2014 | 6:28 am
    Most people have to travel some distance to go to work and back each day.  Few people work from the comfort of their own homes.  And so they will have to brave every conceivable weather condition to ensure they aren’t late for work! The way that people travel to work and back differs.  Some prefer […]Clever and Creative Ways to Cut Down on Your Commuting Costs is a post from: Money Soldiers - Helping you fight your financial battles © 2012-2013, All Rights Reserved
  • How to Save Money on Renters Insurance

    Arnel Ariate
    26 Oct 2014 | 5:30 am
    For many people, renting is a less expensive alternative to owning your own home.  But even renting has its fair share of financial responsibilities.  One of which is carrying renters insurance.  Whether you’re renting an apartment or a house, renters insurance helps to protect you in times of emergency.  Your landlord may own the property, […]How to Save Money on Renters Insurance is a post from: Money Soldiers - Helping you fight your financial battles © 2012-2013, All Rights Reserved
  • Ways to Retaining Customers for the Long-term

    Arnel Ariate
    25 Oct 2014 | 4:29 am
    Customer retention is a tricky thing for companies to master.  This is because customers have different expectations from a company.  What one customer may consider great customer service may be perceived as terrible customer service by another.  However, there are ways to keep customers around for the long-term.   1)  Provide Easy Online Shopping Options […]Ways to Retaining Customers for the Long-term is a post from: Money Soldiers - Helping you fight your financial battles © 2012-2013, All Rights Reserved
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    Hull Financial Planning

  • Do You REALLY Know How You Would React if the Stock Market Dropped by 20%?

    Jason Hull
    30 Oct 2014 | 6:00 am
    “What is necessary to change a person is to change his awareness of himself.” –Abraham Maslow “The final mystery is oneself.” –Oscar Wilde If you’ve ever taken one of those online financial assessments, you’ll know that you’re asked questions about yourself. Most of them are either demographic – how old are you, are you married, […]Learn to beat your Monkey Brain and Accelerate Retirement. Do You REALLY Know How You Would React if the Stock Market Dropped by 20%? is a post from Fort Worth Financial Planner Hull Financial Planning Related posts: How the…
  • Thanks for Saving More Money!

    Jason Hull
    23 Oct 2014 | 6:00 am
    “Gratitude is the healthiest of all human emotions. The more you express gratitude for what you have, the more likely you will have even more to express gratitude for.” –Zig Ziglar James Altucher has had ups and downs in his life. The founder of StockTwits has been a millionaire before. Then he lost everything. Then […]Learn to beat your Monkey Brain and Accelerate Retirement. Thanks for Saving More Money! is a post from Fort Worth Financial Planner Hull Financial Planning Related posts: Could You Set Aside 78% More Money for Retirement? The Life Cycle Saving and Investing…
  • The Mental Challenge of Keeping a Manager Who Has Failed Fast

    Jason Hull
    16 Oct 2014 | 6:00 am
    “If at first you don’t succeed, destroy all evidence that you have tried.” –Steven Wright Most entrepreneurs love to embrace new buzzwordy business styles. Six sigma. Lean. Lean six sigma. Agile. Flat organizations. No titles. Lean six sigma flat org charts with no titles. Fail fast. I’ve dealt with all of these types of organizations […]Learn to beat your Monkey Brain and Accelerate Retirement. The Mental Challenge of Keeping a Manager Who Has Failed Fast is a post from Fort Worth Financial Planner Hull Financial Planning Related posts: Play the Market Like a Hedge…
  • The Psychology of Debt – A Battle Between Your Two Brains

    Jason Hull
    9 Oct 2014 | 6:00 am
    “Promises make debt, and debt makes promises.” –Dutch Proverb I received my first credit card when I was a plebe at West Point. Perhaps there should have been a hazing ritual to go along with it so that I would have been more scared of it than I was, but, hey, I was a plebe. […]Learn to beat your Monkey Brain and Accelerate Retirement. The Psychology of Debt – A Battle Between Your Two Brains is a post from Fort Worth Financial Planner Hull Financial Planning Related posts: Small Business Debt is Debt Too Use Anti-motivation to Pay Down Debt The Psychology of Fiduciary…
  • Making Money in Your Investments Doesn’t Make You a Great Investor

    Jason Hull
    2 Oct 2014 | 6:00 am
    “The one thing that unites all human beings, regardless of age, gender, religion, economic status, or ethnic background, is that, deep down inside, we all believe that we are above-average drivers.” –Dave Barry Do you think that you’re a good driver? You probably do. Why do you think that? You’ve probably only been in a […]Learn to beat your Monkey Brain and Accelerate Retirement. Making Money in Your Investments Doesn’t Make You a Great Investor is a post from Fort Worth Financial Planner Hull Financial Planning Related posts: Counting Your Money Isn’t the Same as…
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    Listen, Money Matters!

  • Loose Change and Found Money (Ep. 220)

    Candice Elliott
    30 Oct 2014 | 3:00 am
     Do you have lots of loose change hanging around?  Or ever find a tenner in a coat pocket?  Find out how to turn small change into big money. If you live in a building with coin operated laundry, you can skip this episode.  We know where your change is going.  But for those of us with the cool chipped laundry cards, we need something more constructive than keeping it in big coffee tins. We at LMM advocate using credit cards whenever possible so long as they are fully paid off each month but sometimes you have to use cash.  Where can you find money?  Always look down.  Things rarely…
  • When She Makes More with Farnoosh Torabi (Ep. 219)

    Candice Elliott
    29 Oct 2014 | 3:00 am
    Author Farnoosh Torabi joins us to discuss how to navigate a relationship in which the woman earns more than her male partner. Farnoosh Torabi is a personal finance writer, best selling author and television personality.  We were blown away by her presentation at FinCon and are very excited to have her on the podcast. We know that it shouldn’t matter who makes more in a relationship but it often does.  It can be especially tricky for men to accept when their female partner out earns them.  And it’s hard for women too.  Not only are they the bread winner, but many still feel…
  • 27 Steps to Save Money By Winterizing Your Life

    Candice Elliott
    28 Oct 2014 | 5:00 am
    I love autumn, all golden and shit.  Sweaters, knee high leather boots, pumpkins, Halloween, Thanksgiving.  The only thing I don’t like about fall is that it means winter is coming, so I just try not to think about that. Fall is a good time to do a check up of some vital areas of life.  In this article we will examine ways to winterize our homes, our finances, and our selves to save money and maybe get a jump on our New Year’s Resolutions. Winterize Your Home You don’t want to be doing some of these things once the icy chill sets in so do them now why we still have relatively…
  • 5 Questions: Timing the Market, College Savings, Betterment Woes (Ep. 218)

    Candice Elliott
    28 Oct 2014 | 3:00 am
    Today we answer listener questions about timing the market, saving for college, and Betterment woes. We get a lot of questions at LMM and if you’re asking, someone else is probably wondering too so we like to answer questions for everyone. 1.  Is an HSA a good idea for a family that’s pregnant or has young children? An HSA is a good idea for anyone with a high deductible plan, it reduces your taxable income and you don’t necessarily have to use it for medical expenses.  Check out Episode 171 for a deep dive into HSA’s.  The Mad Fientist also talked about…
  • Book Yourself Solid and Public Speaking with Michael Port (Ep. 217)

    Candice Elliott
    27 Oct 2014 | 3:00 am
    On a list of  biggest fears, public speaking is #2, death is #6.  So we’d rather be dead than give the eulogy.  Michael Port will help us overcome our fear. And Michael doesn’t drink so his tips don’t involve liquid courage.  We allowed him to finish the interview anyway even after that disturbing revelation. Matt and Andrew lost their fear of public speaking through “exposure therapy.”  This is Episode 217 so they’re comfortable now.  But most of us don’t have the chance to practice that much.  We need a short cut.  Michael suggests the…
 
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    Equifax Finance Blog

  • Seven Questions to Ask Your Agent When Shopping for Auto Insurance

    Ilyce Glink
    30 Oct 2014 | 5:40 am
    Imagine this: You’ve just gotten into an automobile accident. Along with dealing with any physical injuries and worrying about the damage to your car, you may also be concerned that your auto insurance rates will go up. “Car insurance is one of those things where you’re not assuming you’re going to use it when you buy it,” says Des Toups, managing editor of Insurance.com. “You think, ‘OK, I have to do this, so let me pay the least amount possible.’” The problem with this, Toups says, is that there is a difference between the legally required amount of insurance and the…
  • How Pulling Your Credit Report Impacts Your Credit Score, and Other Credit Score Facts

    Equifax Experts
    29 Oct 2014 | 5:37 am
    Accessing or “pulling” your credit report allows you to review your credit behavior. You can see what lenders are reporting about you while you monitor your payment history. Checking your credit report should be a regular part of your routine financial behavior, similarly to reviewing your bank statements or creating a budget. Some consumers are hesitant to check their credit report because they don’t want to impact their credit score. While pulling your credit report does result in an inquiry on your credit report, the good news is that it will not negatively affect your credit score.
  • Seven Things Every College Student Should Know About Taxes

    Eva Rosenberg
    28 Oct 2014 | 5:34 am
    The college years are an exciting and difficult time: From tuition payments to Free Application for Federal Student Aid (FAFSA) forms to full or part-time employment, college may be the first time young adults are in charge of their own finances. With more financial freedom comes added responsibility, including a duty to pay Uncle Sam. Even adults who have been working for years have trouble with taxes, so it’s no surprise that college students are often overwhelmed after their first experience with the IRS. If you’re a college student, or a parent of one, here are a few things to keep in…
  • Having a Baby? Four Things You Need to Know About Your Taxes

    Eva Rosenberg
    27 Oct 2014 | 5:29 am
    Congratulations – your new baby has finally arrived. With this new addition comes added responsibility that can make it easy to forget about all the important things you need to do. While taxes aren’t the first thing you think about when your new baby arrives, forgetting anything on this list could have you scrambling come tax time. 1. Your baby needs a Social Security number (SSN). Even though obtaining a SSN for your baby is voluntary, it’s necessary in order for you to claim him or her on your taxes. This number may also be necessary if you intend do any of the following for your…
  • Tips on Making Estimated Tax Payments

    Eva Rosenberg
    24 Oct 2014 | 5:27 am
    The other day, a client called me very proudly. She had made her second quarterly estimated tax payment “right on time”—on July 15. I couldn’t help chuckling. After all, she tried to get it right. Unfortunately, she was actually one month late on her payment. Estimated taxes are used to pay taxes on income not subject to withholding. This includes self-employment income, rental income, and income from the sale of assets. The due dates for quarterly federal estimated taxes aren’t every three months, as you might expect. Instead, they are the due dates are in mid-April, mid-June,…
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    Personal Finance Updates

  • ‘Invisible’ Credit? (Read This Now!) – NYTimes.com

    MColden
    6 Oct 2014 | 5:47 am
    ‘Invisible’ Credit? (Read This Now!) – NYTimes.com http://opinionator.blogs.nytimes.com/ Thu, 02 Oct 2014 16:30:25 -0700 Millions of financially responsible consumers don’t have credit scores and can’t get loans. Now there are ways to make them ‘visible’ to lenders. If Congress passed a law requiring everyone in the United States to get a license to be considered […] The post ‘Invisible’ Credit? (Read This Now!) – NYTimes.com appeared first on Personal Finance Updates.
  • 6 Tips to Help You Reduce Credit Card Debt – Military Saves

    MColden
    14 Apr 2014 | 1:52 am
    6 Tips to Help You Reduce Credit Card Debt – Military Saves 3. Leave your card at home. If you truly want to begin decreasing your credit card debt, begin leaving your card at home. Doing so will prevent impulse purchases of items you don’t really need. If you have trouble doing this, … Original article […] The post 6 Tips to Help You Reduce Credit Card Debt – Military Saves appeared first on Personal Finance Updates.
  • 5 Personal Finance Tips for Single Parents – Wall St. Cheat Sheet

    MColden
    14 Apr 2014 | 1:51 am
    5 Personal Finance Tips for Single Parents – Wall St. Cheat Sheet Besides the emergency-related planning that you need to do, there are many ways single parents can manage their finances in an effective manner. Read on to learn five finance tips for single parents, and how to make them … Original article on http://wallstcheatsheet.com Sun, […] The post 5 Personal Finance Tips for Single Parents – Wall St. Cheat Sheet appeared first on Personal Finance Updates.
  • Home Mortgage Tips That Can Help You Out |

    MColden
    14 Apr 2014 | 1:49 am
    Home Mortgage Tips That Can Help You Out | Buying a home can be a life changing experience, so be sure that you know what goes into getting approved for your home mortgage. There are quite a few things that you’re going to need to do, and this article is going to … Original article on […] The post Home Mortgage Tips That Can Help You Out | appeared first on Personal Finance Updates.
  • 8 tips for spring cleaning your finances – - MSN Money

    MColden
    8 Apr 2014 | 1:41 am
    8 tips for spring cleaning your finances – - MSN Money It’s time to toss those dusty bank statements and shop around for better rates. – MSN Money how-to-budget tips and articles. Original article on http://money.msn.com Tue, 01 Apr 2014 15:15:00 GMT Read more … The post 8 tips for spring cleaning your finances – - MSN Money appeared first on Personal Finance Updates.
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    Bargains with Brittanie

  • Stanley 65-Piece Homeowner’s Tool Kit only $34.97! (Reg. $73.26)

    Brittanie
    30 Oct 2014 | 8:52 pm
    This is a great gift for newlyweds! Right now you can get this Stanley 65-Piece Homeowner’s Tool Kit for only $34.97 on Amazon! That is 52% off the original price of $73.26! This kit includes: 13-ounce hammer one 16-foot tape rule one 18mm snap-off knife one torpedo level one long nose one slip joint pliers one […] The post Stanley 65-Piece Homeowner’s Tool Kit only $34.97! (Reg. $73.26) appeared first on Bargains with Brittanie.
  • *HOT* Craftsman 13 in. Tool Bag only $3.99! Best Price!!

    Brittanie
    30 Oct 2014 | 8:44 pm
    WOW! Run on over to Sears where you can pick up this Craftsman 13 in. Tool Bag for only $3.99! This is the best possible price and is even cheaper than Amazon! You can buy online and pick it up in-store for free or have it shipped to your home. If you are a Shop […] The post *HOT* Craftsman 13 in. Tool Bag only $3.99! Best Price!! appeared first on Bargains with Brittanie.
  • Halloween Freebies 2014

    Brittanie
    30 Oct 2014 | 8:00 pm
    Halloween just wouldn’t be the same without FREE stuff. I mean we all get free candy so why not get other freebies as well, right? To make things easy on you below is the list of Halloween Freebies for this year. A huge thanks to Gimmie Freebies for putting together this list for us! Beef […] The post Halloween Freebies 2014 appeared first on Bargains with Brittanie.
  • Little Big Town New Album Release + Enter to Win an Autographed Guitar!

    Brittanie
    30 Oct 2014 | 7:30 pm
    Disclosure: I was compensated for this publication however the opinions expressed remain my own. Little Big Town has recently released their new album “Pain Killer” which is now available online and in Walmart stores nationwide. Little Big Town describes their new album: “It’s aggressive. It’s bold. It’s brave. It has it’s own personality, this record […] The post Little Big Town New Album Release + Enter to Win an Autographed Guitar! appeared first on Bargains with Brittanie.
  • Stage Black Friday Ad 2014

    Brittanie
    30 Oct 2014 | 3:52 pm
    The Stage Black Friday Ad has been released! This 48-page ad contains tons of items that would make great gifts. Some things to note are: Doorbusters are available Thanksgiving 4 PM – 1 AM or Black Friday from 6 AM – 3 PM Extra 25% coupon contained in-ad Spend $50 and get a $10 voucher […] The post Stage Black Friday Ad 2014 appeared first on Bargains with Brittanie.
 
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    The Simple Money Blog

  • A billionaire’s perspective on working: a three day work week?…

    Angela and Kirby
    27 Oct 2014 | 4:30 am
    AJ: Irrefutable fact: Carlos Slim knows things about making money. His estimated net worth at $83 billion pretty much speaks for itself, and it makes him one of the wealthiest individuals in the world. Carlos Slim has an interesting take … Continue reading →
  • When was the last time you reassessed your budget?

    Angela and Kirby
    20 Oct 2014 | 4:30 am
    KJ: Sometimes, it seems like money pours out of the bank account, so what better time to see if your current plan is really what is right for you at this stage in your life? It’s easy to keep coasting … Continue reading →
  • Personal umbrella liability insurance: what you need to know

    Kirby
    13 Oct 2014 | 4:30 am
    KJ: If you are like us, you’re working toward your goals. And working toward your goals (be it children’s education, retirement, or just financial independence) means saving money. Over time, you want to see that your money is protected in … Continue reading →
  • Adapting to a better life

    Angela and Kirby
    8 Oct 2014 | 5:15 am
    AJ: I don’t often read Oprah’s magazine, but I read the September 2014 issue and felt a strong connection to a point she drove home in her final thoughts. From her article entitled Best Advice Taking Care of Yourself she … Continue reading →
  • Seven money mistakes you shouldn’t make in your 30s

    Angela
    30 Sep 2014 | 6:45 am
    AJ: KJ and I eat, sleep and breathe money talk. KJ works in finance, I manage a really large budget as part of my job, and we’re budgeting and planning obsessed. So when I come across an article that gives … Continue reading →
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    My Money Design

  • How Much Should I Put in My 401k Plan? My Surprising Answer

    MMD
    27 Oct 2014 | 2:00 am
    It’s one of the most commonly asked questions of employees when they start saving for retirement: How much should I put in my 401k?  5%?  10%?  15%? Especially when you’re young (in your 20’s and 30’s) and just starting out, retirement can feel like such a long ways away.  You know that you should be contributing, but at the same time you want to enjoy your earnings and save towards other goals like a house and family needs too. To simply answer this question with “save as much as you can afford” feels too much like an easy-out.  I’ve recommended that advice to friends in…
  • Do Grades Really Matter?  What Really Counts When It Comes to Your Career

    MMD
    20 Oct 2014 | 2:00 am
    I was an A-student back in school.  I worked very hard to get them.  I knew that they were my ticket to something bigger and greater.  At least that’s what I used to believe – until I realized that the only things bigger and greater were the ones I found on my own. Don’t think that that’s true?  Then how is it that you and your colleagues can all be so diverse in your backgrounds and academics, yet you all do the same job.  You probably all get paid roughly about the same too.  In some instances the people who did worse in school are the boss or actually make more than you do.
  • Good Scary Movies to Watch this Halloween – 2014 Edition

    MMD
    18 Oct 2014 | 8:14 am
    I wanted to take this opportunity to break up our normal regimen of posts devoted to serious personal finance topics and dive into something far more entertaining: Good scary movies to watch this Halloween! If you’re like me and always looking for some good, cheap fun around Halloween-time, then there is nothing better than renting a couple of really scary movies from the Redbox or Netflix that will leave you scared to go to bed. This is the third edition of my “good scary movies” post.  You can find my past horror movie picks from 2013 and 2012 at these links with reviews of some of…
  • Should I Do a 401k to IRA Rollover?  The Benefits and Drawbacks

    MMD
    13 Oct 2014 | 2:00 am
    Recently during a discussion with my money coach client there was a very important question that came up:  “I have an old 401k with a former employer that is still sitting right where I left it.  I’m wondering if I should make a 401k to IRA rollover or simply leave the money right where it is?” That’s a really good question. I’m sure for a lot of people (myself included) that the money you have in your 401k account is probably the largest percentage of your wealth you have saved up – anywhere!  Even if you’ve got nothing more than the average 401k balance of $81,000 as…
  • Niche Website Update 22 – $1,203 in Income – Exploding Success with ClickBank!

    MMD
    6 Oct 2014 | 2:00 am
    As much as I like to talk about saving and investing, the most lucrative way I’ve found to improve your overall financial situation is to simply earn more money.  While making a side income might be an impossible task for some, I’m here to show you that it is in fact possible if you put your mind to it. Especially if you’re a blogger (like me) or even thinking about starting your own website, then you’ve got a wealth of opportunity sitting right in front of you.   You just have to be willing to be an entrepreneur and work your way at it. This month my collection of niche websites…
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    The Quizzle Wire

  • 3 Reasons Not to Cash In a 401k to Start a Business

    Carrie Smith
    30 Oct 2014 | 6:00 am
    As you’ve contributed to your retirement accounts year after year, you likely have a good amount of savings built up. Depending on how old you are, this could be a substantial asset in your portfolio. Because of this, a 401k can be a very tempting resource to use as seed money for a new business. But before cashing it out, here are 3 consequences that could potentially sabotage your future and the success of your business. Paying a 10% penalty. If you choose to withdraw funds from your 401k before the approved retirement age of 59 ½, you’ll be forced to pay a 10% penalty. This early…
  • Do You Qualify for a Grant to Repay Your Student Loans?

    Melissa Batai
    29 Oct 2014 | 6:00 am
    Are you one of many college graduates who walked away with a diploma and a mountain of student loan debt?  If so, you’re not alone.  Nearly 3 in 4 college graduates have student loan debt with an average balance of nearly $30,000.  Ouch! Student loans can’t be dismissed in a bankruptcy, so if you don’t make your payments, you’ll face serious consequences.  Too often, college graduates find making student loan payments are a heavy financial burden. However, for a lucky group of individuals, there is a way to lighten the student loan debt load–grants that pay…
  • How to get a better deal on your mortgage

    Miranda Marquit
    28 Oct 2014 | 6:00 am
    Your mortgage is likely to be the largest loan you ever get. As a result, it’s also likely to be quite expensive, due to the interest rate you pay. A large loan, over a long period of time, is expensive. In order to save as much as you can, it makes sense to get the best possible interest rate, and do what you can to save on other costs. Here’s how to get a better deal on your mortgage: Keep a good credit score As always, the best way to get a better rate on any loan is to have good credit. A good credit score can go a long way toward ensuring that you see the best possible loan rate.
  • Things You Should Know Before Investing

    Cathy
    27 Oct 2014 | 6:08 am
    Are you new to investing but wanting to get started? Here are some things you should know before you take the investing plunge: 1. Can you afford to invest? You’ve probably heard the saying, “It takes money to make money.” And when it comes to investing, it’s true. So the first thing you need to determine is whether you have money to invest. If you have consumer debt (such as credit card debt), or if you don’t have an emergency fund, then you probably need to prioritize those items before you can think about investing. Going into debt, or staying in debt, so that…
  • Is College Still Worth It?

    Miranda Marquit
    26 Oct 2014 | 7:00 am
    One of the debates raging right now in the world of personal finance is the debate over whether or not paying for a college degree is worth it. A recent analysis of the job market for recent college graduates by the New York Federal Reserve indicates that many young people are underemployed. According to the report, “the qualify of the jobs held by the underemployed has declined, with today’s recent graduates increasingly accepting low-wage jobs or working part-time.” While the report also insists that recent grads have always had trouble adjusting to the labor market after school, it…
 
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    SideHustle HQ

  • Boost Your Side Business with Passive Income Sources

    SideHustleHQ
    29 Oct 2014 | 6:36 am
    Running a side business can be a handful for even the most seasoned entrepreneurs. Becoming a small business success story rather than a grim statistic takes smarts, planning and commitment. As such, savvy side business owners should look for passive streams of income to have some sources of revenue  that don’t involve trading dollars for hours and to gain an edge over the competition. Whether you’re an organic farmer, a party planner or a jewelry designer, the following passive income streams are worth considering. Monetize Video Content For physical and digital businesses…
  • Starting a Flower Business on the Side

    SideHustleHQ
    24 Oct 2014 | 8:16 pm
    In the entrepreneurial sphere, the simplest ideas often make for the most profitable side hustles. A flower business is one such venture that can translate into serious cash if you adopt a unique approach and possess a little marketing savvy. Though it may not seem to be the case to the outside observer, there are literally dozens of ways to make money off of the flower game with a little creativity. The following steps comprise a rough outline of a potential path to owning a lucrative flower business. Draft a Business Blueprint First off, you’ll need to look at all possible business…
  • Drew Brees Expands his Sandwich Side Hustle

    SideHustleHQ
    22 Oct 2014 | 5:22 pm
    New Orleans Saints’ quarterback and Big Ten Conference record-holder, Drew Brees,  not only excels on the field, but  is also an avid entrepreneur. According to Franchise Times Brees is the owner of 5 Jimmy John’s Gourmet Sandwiches’ franchises and plans to own 20 more. Jimmy Johns was founded in 1983 by a 19 year old with a dream and hustle. Are you interested in a Jimmy John’s franchise?  According to the Jimmy John’s website,  “You’ve got to love life, kids, music, dancing, your grandparents & sandwiches.”  You will also need $80,000…
  • Jessica Alba’s Side Hustle Success

    SideHustleHQ
    18 Oct 2014 | 5:12 pm
    Actress Jessica Alba famous for roles in Spy Kids 4 and Little Fockers  and her co-founder, launched The Honest Company in 2011, which has since become a great success. Alba’s business idea was to create a subscription e-commerce startup, which allows customers to sign up for different monthly bundles of their eco-friendly line of products for baby, family, and home, and also sells via small-scale partnerships with bricks-and-mortar retailers. Alba became passionate about the idea after she became a mother, and saw the need for a line of safe, convenient, eco-friendly products for babies…
  • Starting a Calligraphy Side Business

    SideHustleHQ
    11 Oct 2014 | 12:56 pm
      In today’s highly technological society, it sometimes seems like there’s little interest in artistry anymore. However, the fact of the matter is that there’s a growing backlash against automation and generic, mass-produced products. You can profit from this trend by starting a boutique calligraphy side business. If you have a genuine love for typography and aren’t afraid of learning a new skill, the calligraphy business can be very remunerative. The key to making such a business worthwhile is knowing your audience and pursuing it in an intelligent fashion.
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    Covenant Trust Company

  • Remembering former CTC president, Chuck Walles (1938-2014)

    Covenant Trust Company
    23 Oct 2014 | 8:59 am
    The following was written by Patty Conrad, retired corporate secretary of Covenant Trust Company. When President Emeritus Chuck (“Only my mother used to call me Charles.”) Walles joined Covenant Estate Planning Services/Covenant Trust Company in 1991, he brought his entrepreneurial business leadership and experience of service in the United States Coast Guard to his new […]
  • After a long period of calm, volatility may be back

    Covenant Trust Company
    16 Oct 2014 | 12:11 pm
    Since the beginning of October concerns about signs of weaker growth abroad have outweighed positive US corporate earnings reports and global stock market volatility has gone extreme. The Dow Jones Industrials saw triple-digit swings several days in a row that wiped out all of the index’s year-to-date gains. This volatility sent investors once again seeking […]
  • Four simple ways to save

    CTC - Ruser Saldaña
    24 Sep 2014 | 1:30 pm
    Jean Chatzky (financial editor for the “Today” show) thinks saving money is simple. At least theoretically. And theoretically, I agree. It’s like losing weight: if you want to drop a few pounds, you must burn more calories than you consume. Similarly, to save money, you need to make more money than you spend. However, we […]
  • CTC tips: calculating debt

    Covenant Trust Company
    17 Sep 2014 | 9:33 am
    According to Nerd Wallet, the national average credit card debt is $15,607; the average mortgage debt is $153,500; and the average student loan debt is $32,656. Even if your debt isn’t as high as these averages, it can still wreak havoc on your finances. Perhaps your debt payments are affordable. However, that doesn’t mean you’re in a financially healthy situation. […]
  • Risk and Return

    Covenant Trust Company
    8 Sep 2014 | 7:24 am
    Risk and return – these are the basic concepts in the investing realm.  In order to achieve a greater return, the investor must be willing to take on greater risk.  We ask clients about their tolerance for risk, their ability to withstand the volatility and negative events that will come at some point. This is […]
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    Debt Consolidation USA

  • Fannie Mae and Freddie Mac, Boom or Bust?

    Simi Mira
    30 Oct 2014 | 3:07 am
    Fannie Mae and Freddie Mac are the two major companies in the mortgage industry of the United States. Whilst almost everyone will have heard of them, there are not that many that understand what they do and what a vital role they play in financing American homeownership. There are few that understand the potential risk […] The post Fannie Mae and Freddie Mac, Boom or Bust? appeared first on Debt Consolidation USA.
  • The Truth About Paying Good And Bad Debts

    Lizzy Bale
    27 Oct 2014 | 11:12 pm
    Do you think that debt free living is possible? Of course it is. All it really takes is some self control and a good amount of savings to finance whatever you will need in the future. But does that mean you should pursue this financial condition? Not really. You see, there are good and bad […] The post The Truth About Paying Good And Bad Debts appeared first on Debt Consolidation USA.
  • 8 Important Questions Before Opting For Credit Counseling

    Lizzy Bale
    20 Oct 2014 | 1:58 am
    Do you think credit counseling is the key to get yourself out of debt? There are a lot of things that you can do to help your quest of becoming debt free. All of them will require you to change your ways as your debts evidently show that you are doing something wrong in your […] The post 8 Important Questions Before Opting For Credit Counseling appeared first on Debt Consolidation USA.
  • 4 Non-Financial Reasons To Be Aggressive In Paying Off Debt

    Lizzy Bale
    15 Oct 2014 | 11:00 pm
    Paying off debt is a must for anyone who wants to improve their lives. Until you free yourself from overwhelming amounts of debt, you will always be held back by the money that you are wasting – paying for your credit obligations and the interest rates associated with it. Debt has a devastating effect to […] The post 4 Non-Financial Reasons To Be Aggressive In Paying Off Debt appeared first on Debt Consolidation USA.
  • To Invest or Reduce Debt?

    Simi Mira
    15 Oct 2014 | 6:08 pm
    Many investors are faced with a challenging dilemma of whether they should pay off some of their debts with excess cash or whether they should invest this cash further to see whether they can accumulate greater wealth. Paying off too much debt can reduce, if you pay off too much debt and reduce your power to […] The post To Invest or Reduce Debt? appeared first on Debt Consolidation USA.
 
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    Personal Finance Blog | LSS

  • 10 Signs You May Be In Credit Trouble

    Kate Swenson
    27 Oct 2014 | 11:26 am
    Is your debt stressing you out? Do any of these sound like you? Charging more each month that you make in payments. Paying only the minimum amount due on your credit cards. Using credit and cash advances for items that used to be purchased with cash, like gas and groceries. Having a total credit balance that rarely decreases. Being at or near your credit limit and applying for new cards. Needing a consolidation loan to pay existing debt. Not knowing the total amount you owe. Never opening your mail or answering the phone in fear of debt collectors contacting you. Making late payments…
  • YOUR FIRST APARTMENT! FIVE WAYS TO BE PREPARED

    Kate Swenson
    13 Oct 2014 | 12:58 pm
    My 23 year old daughter just moved into her first apartment with friends.  As they were looking at and considering apartments, she asked for advice on various aspects of the process.  I wasn’t much help—I haven’t moved in 35 years!  (I bought my house when I was 12!)  So, I learned with them about renting an apartment. CHOOSE YOUR ROOMMATES WELL You and your roommates will be equally liable for the whole rent, not just your portion.  Are your prospective roommates employed?  Dependable? Choose roommates with a similar lifestyle.  Are you an early riser and your roommates night…
  • Confessions of a Financial Counselor

    Kate Swenson
    8 Oct 2014 | 12:16 pm
    As a Financial Counselor, most people I see in my office are people that are stressed by debt.  I see a huge range of people: 5 digit monthly incomes to 3 digit; single folks to married couples with several children; recent immigrants to those whose people go back to the first bipeds on this continent.  And everyone in between.  Their debt spans a broad range, too:  An unnoticed $118 medical bill that went to collections to $98,000 in credit cards. The anxiety people have about seeing a financial counselor for their debt can fill the office.  Some express it out loud: “I was so afraid…
  • The Green Tomato: The Fruit That Keeps on Giving

    Kate Swenson
    6 Oct 2014 | 7:14 am
    It’s been a good garden year for me.  I’ve supplied my household, friends, family, passersby, and the local food shelf with a variety of beautiful, fresh, organic produce.  I couldn’t even begin to calculate the dollars saved.  (Add in the physical and environmental benefits of gardening and the economic payback rises significantly.) It is early October and the first frost has yet to hit the Twin Cities in Minnesota.  I’m still harvesting summer squash, tomatoes, greens, herbs, peppers, and more.  When frost is finally in the forecast (any time now!) you will find me in the…
  • Keeping Your Home Safe While You Travel

    Kate Swenson
    15 Sep 2014 | 6:10 am
    If you’re planning a trip sometime soon, you have more to do than simply pack your bags. Many home burglaries occur when folks are out of town. We all look forward to coming home after a trip. So, take these few precautionary steps to keep your home secure while you’re away. Experts suggest your home’s lights (both interior and exterior) are your number one defense against intruders. Set your lights on a timer using irregular intervals so there’s no predictable pattern. Use motion sensor lights at many spots around your home’s exterior and make sure the lights illuminate several…
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    Minting Nickels

  • Gaming Can be a Great Hobby

    Justin
    23 Oct 2014 | 8:11 am
    In today’s fast paced environment it’s easy to get “too busy”, almost to the point where it’s nearly impossible to find time for yourself. Personally, I work plenty of hours in a stressful job, and it’s difficult for me to find the time and ways to relax and unwind. When I do find activities they tend to cost a lot of money which inadvertently adds more stress to my life. The trick is to find those hobbies that let you relax and recharge your batteries, while also allowing you to avoid breaking the bank. Below I will list some fun hobbies and activities that won’t cost you a…
  • Top 4 Reasons You Shouldn’t Purchase a Home Yet

    Justin
    11 Oct 2014 | 6:59 am
    It goes without saying that one of the biggest purchases an adult will have in their life is the purchase of a new home. When it comes to buying a new home, timing is very important as well as being financially and emotionally ready. The problem is that, when emotions are thrown in, sometimes people make decisions that are not financially sound, and purchase a home that they aren’t ready to afford. The  fact is, there are at least 3 very good reasons that a person should not purchase a new home, even if they feel that they are ready to do so. Those 3 reasons are below. Enjoy. Reason #1:…
  • The Inclusive Wealth Index: A Better Way to Measure Economic Growth

    Justin
    10 Oct 2014 | 11:00 am
    In the second quarter of 2014, GDP in the U.S. increased by 4.6 percent, causing politicians and pundits to insist that the American economy is improving. Unfortunately, many Americans don’t feel like their lives are getting better. Home values in the U.S. still lag far behind their pre-2008 levels, and wage growth for middle and low-income Americans is stagnant. As a result of what’s happening in America and in many other countries, more economists and social scientists question whether a country’s GDP accurately measures its economic prosperity. The United Nations proposed a new…
  • How to Compare Burial Insurance Companies

    Justin
    24 Sep 2014 | 5:34 am
    Some people choose to purchase burial insurance. This insurance is designed to only cover burial expenses and not additional estate or medical expenses. The cost of burial insurance varies by state and by provider as some include more services than others. It is important that you take the time and compare the differences between each company. Use the information below to find the best burial insurance provider for your expected needs. Search among Leading Insurance Companies Always search with the most reputable companies first. This includes companies such as State Farm, Lincoln Heritage,…
  • HIGHER EDUCATION BILL REPORT

    Justin
    19 Sep 2014 | 3:12 pm
    The Higher Education Bill, adopted by the Swiss Federal Parliament in September 2011, to be implemented in 2015, was developed as a means to create a more coherent system of accreditation for both private and public universities in Switzerland. Under previous regulations there was no consistent governing body to oversee both sectors of the tertiary system as the management of higher education was left up to individual cantons (states), and not at a federal, uniformed level. Educational unification has been going on in Europe for over 15 years. These steps were taken in order to promote ease…
 
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    Debt RoundUp

  • A Day in the Life: A Glimpse into My Typical Day

    Grayson Bell
    31 Oct 2014 | 2:06 am
    I get a lot of questions from other bloggers and just people interested in how I run my blog, business, and my life in general.  While I love talking to people over email, I figured I would take the time to talk to my readers about how I manage it all or at least make it look like I manage it.  Remember, most of my life is organized chaos.  It might look OK from the outside, but there is a little tornado going on inside my head.  A common misconception I hear a lot about me is I work full time on my blog.  I don’t!  I actually have a full-time job which I love and enjoy.  I run…
  • Getting On The Property Ladder With Little Or No Savings

    Grayson Bell
    30 Oct 2014 | 3:30 pm
    This is a post by Leo Walsh describing how to get on the property ladder in the UK with little savings.  If you would like to contribute on Debt Roundup, please contact me. Some would-be homeowners tend to think that getting on the property ladder with little or no savings is just a distant dream and that they may never be able to save enough to get that important foot on the first rung of the ladder. There is no question that buying property in today’s economic climate without having a large deposit to put down, is going to be a challenge, but there are definitely ways that you might just…
  • How to Deal with Rejection

    Laurie
    29 Oct 2014 | 2:17 am
    I’d like to talk today about how to deal with rejection. Grayson talked in a post last week about how he saved $60 a month by simply making one phone call.  Part of the post centered on the fact that we often miss out on money savings simply because we don’t ask.  Often times we don’t ask for discounts because we aren’t aware that we can, and often we just simply don’t take the time to make the call.  But more often, I’d wager to bet that we don’t ask for discounts because we are afraid of having to deal with rejection.  Being afraid of rejection…
  • How Does Senior Life Insurance Work?

    Grayson Bell
    28 Oct 2014 | 7:14 pm
    Senior citizens often have a difficult time obtaining life insurance. Some providers have age and health condition restrictions that prevent seniors from obtaining proper coverage. You can, however, still get a good policy. For elders, working with a broker is the best idea. The broker can sift through the different companies and policies to bring you only the ideal agencies to work with to suit your life insurance needs. Term Life Insurance Term life insurance policies are valid for specific periods of time determined by the policy that you select. In most scenarios, policies range from 15…
  • Amazon Price Match – Here’s How to Ask

    Grayson Bell
    27 Oct 2014 | 2:03 am
    Have you ever wondered about an Amazon price match?  I know I have.  Many of the largest retailers around will price match other retailers.  Walmart is known for this.  BestBuy started doing it last year with great success.  I have been in there numerous times looking for something and would pull up prices on Amazon.com and they would price match it with no hesitation.  Since Amazon is the world’s largest online retailer, I figured there would have to be a way to get them to price match products.  Low and behold, there is, but it’s not their official policy.  Amazon…
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    Phroogal Blog

  • Have You Heard of The Purposeful Savings Strategy? Part I

    The Phroogal Jason
    30 Oct 2014 | 7:46 am
    A few months ago, someone asked me about a savings strategy to help start and stay motivated to save. We all know how important it is to save but many of us lack the motivation or have an effective process to do so. It doesn’t matter how many times you’ll hear the importance of saving money for rainy days or retirement. However important those reasons, present bias has a strong impact on decisions. Present bias is the tendency to over value immediate rewards at the expense of long-term intentions often leading to big implications later in life. Our desire to spend the money we make is…
  • 5 Reasons Behind a Rejected Credit Card Application

    Valencia Higuera
    28 Oct 2014 | 5:29 am
    There are several good reasons to apply for a credit card. Maybe you don’t have a credit history and need to establish credit, or maybe you filed bankruptcy and want to rebuild your score. And if you already have good credit, you might be thinking about getting a rewards card. You might excitedly submit a credit card application, only to be disappointed when a credit card company rejects your application. Rejections are nothing new — as a matter of fact, 7% of Americans have had a credit card application rejected in the past 12 months, according to the National…
  • Friday Five: 5 Common Personal Finance Tips Explained

    The Phroogal Jason
    24 Oct 2014 | 4:58 am
    I’ve been out on the road doing a bunch of seminars from schools to church groups to meeting with employees. In the last couple of weeks, I’ve said the same seminar close to a dozen times and there are certain phrases that raise eyebrows each and every time. I decided to take a step back when I was questioned about the phrase, “live within your means.” She said that’s all good and all but it’s the same tired bull crap that every financial person says. It was then I realized she was right. Although the phrase is indeed used often because it is thought provoking, what the heck does…
  • An Update From Yours Truly. So, Where Have I Been?

    The Phroogal Jason
    22 Oct 2014 | 8:46 am
    You might have wondered where I’ve been since I haven’t posted on the Phroogal Blog for some time. It’s been a crazy 4 weeks with traveling and working on product upgrades. I had to choose between spending hours on the blog or hours on the product. I chose to learn a couple new programming languages and tools to get Phroogal.com closer to my vision. I believe 100% in what I’m doing and although we’ve had some difficult staffing situations nothing will stop me from building the place for all things money. That’s exactly it. I’m building the place…
  • 5 Ways to Score a First Class Upgrade Without the First Class Price

    Valencia Higuera
    22 Oct 2014 | 4:42 am
    I recently had the privilege of flying first class for the first time — and I have to say, it was an enjoyable experience. Our flight was short (from Florida to North Carolina). However, the plane was continuing service to St. Maarten, so the first class cabin was larger and roomier than other airplanes. We didn’t pay for these seats. The airline had to switch our flight because a delay caused us to miss a connecting flight. Since the new flight only had two available seats — which happened to be first class — we enjoyed a free upgrade and all the perks that…
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    Student Debt Relief | Student Loan Forgiveness

  • Co-Signing a Student Loan – A Parents Dilemma

    Kevin Findley
    30 Oct 2014 | 7:30 am
    Co-Signing a Student Loan – A Parents Dilemma In 2009, 27 year old Lisa Mason died suddenly from liver failure. She had graduated two years earlier from Nursing School, quickly found work and began paying off her private student loans on time and without fail. After her death, while her parents had barely begun to grieve, the first call from one of the […] The post Co-Signing a Student Loan – A Parents Dilemma appeared first on Student Debt Relief | Student Loan Forgiveness.
  • Are Student Loan Defaults Going Down?

    Demetrios Sourmaidis
    15 Oct 2014 | 7:08 am
    Are Student Loan Defaults Going Down? Last month, the Education Department released its annual report on federal student loans in default showing results that makes everything look A-OK!. This is the Three-Year Cohort Default Rate and on the face of it, the news is very good. The rate for students going into default on their federal loans in 2011 is 13.7 […] The post Are Student Loan Defaults Going Down? appeared first on Student Debt Relief | Student Loan Forgiveness.
  • Predatory Student Loan Lenders Sued In Illinois Court

    Demetrios Sourmaidis
    2 Oct 2014 | 11:19 am
    Predatory Student Loan Lenders Sued In Illinois Court In September, the Consumer Financial Protection Bureau filed a lawsuit with the Northern Illinois District Court against Corinthian Colleges Inc. In it, they accuse the corporation, made up of for-profit colleges Everest, Heald and Wyotech, of predatory student loan lending, illegal collection practices and misleading potential students about job prospects and placement after graduation. In […] The post Predatory Student Loan Lenders Sued In Illinois Court appeared first on Student Debt Relief | Student Loan Forgiveness.
  • Looming Student Loan Debt Crisis Creeps Closer

    Demetrios Sourmaidis
    27 Aug 2014 | 11:55 am
    Looming Student Loan Debt Crisis Creeps Closer According to data released this month from the Department of Education, the looming student loan debt crisis appears to be getting closer. Over half of all Direct Loans are now behind on their repayment schedule. This isn’t a small number, as Direct Loans make up the largest percentage of federal student loans. Increased Debt, Decreased […] The post Looming Student Loan Debt Crisis Creeps Closer appeared first on Student Debt Relief | Student Loan Forgiveness.
  • Which Student Loan Consolidation Company To Choose

    Demetrios Sourmaidis
    11 Aug 2014 | 6:00 am
    Which Student Loan Consolidation Company To Choose Many companies in the business of helping students and parents through the student loan process are legitimate. They work hard to find the best options for their clients in securing and then repaying their federal student loans. These companies will work in the best interest of their clients, who in many cases are stuck with […] The post Which Student Loan Consolidation Company To Choose appeared first on Student Debt Relief | Student Loan Forgiveness.
 
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    Investing in Your 401k Kid | RSS Feed

  • Just Start: Teaching Teens About Money

    Bret
    19 Oct 2014 | 8:00 am
    Investing in Your 401k Kid - Teaching Parents How to Raise Financially Literate Kids We’re in the middle of a webinar-based program for parents right now, and had a Q&A session last week. One of the parents had some great questions: How do I get started teaching my kids about money? If I’m going to to an allowance, which categories should I start with? How much should the allowance be? These are great questions, all centered around the question of “How do I start teaching teens about money?” The simple answer is, the important thing is just to start.  Do anything.
  • Teens Behaving Badly: Allowance Disasters

    Bret
    10 Oct 2014 | 12:42 pm
    Investing in Your 401k Kid - Teaching Parents How to Raise Financially Literate Kids If your teen is on an allowance, you’ve got to be prepared for impending disaster. They will make allowance mistakes. It’s coming, trust me. It’s just a matter of how big, and when. If your teen isn’t on an allowance yet, you’ll want to go a back a few weeks and start at the beginning of our teens and money series. The good news is, any mistakes your teen makes with an allowance should be expected. The better news is, mistakes are completely necessary, and this is one of the reasons that you’re…
  • What Happens After Share, Save, Spend?

    Tracie
    4 Oct 2014 | 12:20 pm
    Investing in Your 401k Kid - Teaching Parents How to Raise Financially Literate Kids   So, you thought the hard work you did to teach your kids about money was working perfectly, until suddenly it wasn’t any more. The piggy bank was great.  Share, Save, Spend jars worked just fine… for a while. But now you have a teenager. And everything is falling apart. We know how you feel.  In one 24-hour period this past week one of our kids ran out of gas in the pouring rain, left his lights on and killed the battery dead AND forgot his uniform for a cross country meet.  Teens are a…
  • Keeping Tabs on Your Teen’s Allowance

    Bret
    27 Sep 2014 | 7:00 am
    Investing in Your 401k Kid - Teaching Parents How to Raise Financially Literate Kids Once you’ve started handing over cash every month, your next goal should be working out how to keep track of your teen’s allowance.  Don’t worry, we’re here to help with some pretty simple ideas. (Don’t worry, this will be fun!) If your teen receives an allowance, you need to have frequent accountability conversations to ensure everything is going according to plan.  These conversations will help you accomplish several important goals: You will know where your teen is…
  • Your Kid’s Allowance: Five Secrets for Success

    Tracie
    13 Sep 2014 | 7:00 am
    Investing in Your 401k Kid - Teaching Parents How to Raise Financially Literate Kids Starting your teen on an allowance Would you like to start your teen on an allowance, but don’t know where to start? Or is your teen already on an allowance that’s not working, and you want to get it back on track? I’ve got some good news hear that should get you on the right path. Here are the five things you need to know to find success with your kid’s allowance: 1. An allowance is a teaching tool. 2. An allowance should cost you zero dollars. 3. An allowance is YOUR money, not the child’s…
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    iMoney.ph

  • Beyond Traditional Banking

    imoney
    31 Oct 2014 | 12:20 am
    In the world of finance, smaller is beautiful. As the number of high-net-worth Filipinos increases, so does their need for customized financial solutions. Sure, you could open an account with a huge traditional bank, but they will probably sell you their other products even if you don’t need them. Your financial needs are unique; why settle for a one-size-fits-all bank? Boutique financial institutions offer a personal alternative. With more than the usual services, these institutions can provide insights that you won’t get from retail banks. One such boutique financial services provider,…
  • 5 ‘Needs’ You Should Probably Stop Buying

    imoney
    29 Oct 2014 | 7:24 pm
    In your efforts to cut costs and increase your savings, you might be overlooking some things. It’s easy to identify the extras like overpriced lattes and avoidable fees, but what if you’ve been wasting money on things you think you need, but actually don’t? Those are harder to find and remove from your budget. To help you identify them, we’ve collected five ‘needs’ you should stop buying right now. When you look at them closely, you’ll find that you may not need them after all. Ready to find out what they are? Read on: Any supplement that has the disclaimer ‘no approved…
  • 3 Strategies to Pay Off Credit Card Debt

    imoney
    28 Oct 2014 | 5:38 pm
    Credit card debt is scary, especially when you don’t have a plan of attack. When you look at all those numbers, it might seem very overwhelming, especially if you have multiple cards. How do you begin to pull yourself out of the hole of credit card debt? There are a few tried-and-tested methods to help you pay off credit card debt. Essentially, these techniques boil down to: pay the minimum on all your cards, and funnel all your extra money at the card you want to pay down the fastest. They just differ on what card that should be. Which one will work for you? The “snowball” method This…
  • Top Credit Card Promos This November

    imoney
    26 Oct 2014 | 7:55 pm
    It’s about time your credit card gave something back to you. Check out these handpicked promos to get your pre-Christmas buildup off to a great start. Reap the rewards of responsible card usage by taking advantage of these limited-time promos: BDO Shop anywhere and earn SM Gift Passes. Turn your shopping into even more shopping. For a minimum of P3,000 single receipt purchase, you get a P100 SM Gift Pass. For P15,000, you get a P500 SM Gift Pass. Transactions must be made by November 15, but you can redeem your Gift Pass from SM customer service simply by presenting your credit card and…
  • Find A Budgeting Method That Works For You

    imoney
    22 Oct 2014 | 6:41 pm
    You need a budget. You’ve read enough of iMoney to know that keeping a budget is the first step towards taking control of your finances. But you have no idea where to start. Sitting down and planning a budget may not be the funnest thing on the planet, but we’re here to help. Below, you can find popular budgeting methods, and you can find out which one would best suit your lifestyle. Whether you like being in control of everything, or you like a little more freedom, there’s a budgeting method for you: Envelope budgeting. This is the most familiar budgeting method, and one that lets you…
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    FinancingLife.org

  • Why Bother With Bonds (*** Giveaway Raffle ***)

    Rick Van Ness
    22 Oct 2014 | 3:06 pm
    A practical how-to guide for every investor. For ordinary investors who want to build an all-weather portfolio—even during low interest rates. It is time-proven wisdom, and encourages you to take control of your finances. Learn how to use CDs, bonds, and bond funds to manage risk/reward even during low interest rates. You will learn: How […] The post Why Bother With Bonds (*** Giveaway Raffle ***) appeared first on Why Bother With Bonds (*** Giveaway Raffle ***).
  • Fun Way To Teach Teenagers About Stock Market (unexpected results)

    Rick Van Ness
    27 Aug 2014 | 8:56 am
    Learn the fun way I taught my teenagers about the stock market. It's fourteen years later. I'll tell you what worked, and what didn't. They don't teach this in schools. It's great if you can do this at home. Please share your ideas. What worked for you? The post Fun Way To Teach Teenagers About Stock Market (unexpected results) appeared first on Fun Way To Teach Teenagers About Stock Market (unexpected results).
  • Video of Website Improvements (to reduce bounce rate)

    Rick Van Ness
    14 Aug 2014 | 12:08 pm
    I'm happy to report that my videos have been watched more than 216,000 times as of 13Aug2014. But while I celebrated this, I had some concern about the visitors to this website that never interacted with the website and then left from the same page they entered. My worry is that they did not find what they came looking for, so I have redesigned the website to reduce bounce rate and make it much easier for first-time visitors to find the information they are seeking. This video is a fast-paced overview of the changes and a testimonial to the instructor for the class I took to accomplish this.
  • Bond Basics 5: Individual bonds or bond fund?

    Rick Van Ness
    13 Mar 2014 | 9:13 am
    Should you own individual bonds or bond fund? The answer is easy. Learn why in this episode. Learn what every investor should know about fixed-income securities. The post Bond Basics 5: Individual bonds or bond fund? appeared first on Bond Basics 5: Individual bonds or bond fund?.
  • Bond Basics 4: What Are Bond Ladders?

    Rick Van Ness
    13 Mar 2014 | 9:08 am
    Learn two very cool things about individual bonds and bond ladders in this episode—about fixed-income securities. The post Bond Basics 4: What Are Bond Ladders? appeared first on Bond Basics 4: What Are Bond Ladders?.
 
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    Find Your Balance

  • Tax Information Checklist

    balanceblogwriter
    29 Oct 2014 | 10:48 am
    One of the most frustrating things about preparing for tax filing is tracking down all the supporting documentation you’ll need for the IRS forms. In a perfect world, you’d have all this paperwork in one folder, ready to be processed. However, if you’ve got it spread across several locations, use this checklist to make sure you’ve got all your ducks in a row. Social Security or Tax ID number Copy of last year’s return Tax preparation expenses from previous year Past overpayment applied to current year’s taxes Taxes paid with filing of extension W-2s Business income Interest income…
  • Exercising Your Right To Better Finances

    balanceblogwriter
    27 Oct 2014 | 10:48 am
    “Financial fitness” is a popular phrase used to emphasize the importance of healthy money habits. But it might just be more telling than you ever imagined. More and more evidence is piling up that there is a link between working out regularly and making the most of your money. Stress relief First, make a list of the types of purchases you most regret afterward. Next, write down next to each buy the emotional state coinciding with your poor spending choice. Chances are that feelings like anxiety, agitation or worry are closely linked to your problem purchases. As it turns out, these are…
  • Before You Sign That Contract…

    balanceblogwriter
    24 Oct 2014 | 7:06 am
    Dense legal text is foisted upon you every time you want to download software, start a membership, or take just about any action where money is changing hands. So it’s easy to get in the habit of skipping over the fine print. However, it’s wise to pick out a few important aspects to identify and understand with any contract you agree to. Parties The parties to a contract are the people or organizations responsible for upholding the agreement. Your name is supposed to in the contract, of course, but pay special attention to the other party. Is it the person or organization you’ve been…
  • Latest Scams To Watch Out For – Fall 2014

    balanceblogwriter
    22 Oct 2014 | 6:58 am
    As part of our ongoing series keeping you up-to-date on the latest identity theft, fraud, and theft scams popping up, we bring you a list of new list of schemes to be aware of. The scam: Toll pass email You receive a very official-looking email stating that your electronic highway toll pass payment information needs to be updated for security purposes or because it is out-of-date. You are provided with a link and/or phone number to give your current credit card information, Social Security number, etc. Preventing it Such vital information should never be given out in response to an email…
  • Scary Good Halloween Party Savings

    balanceblogwriter
    21 Oct 2014 | 6:57 am
    There was a time when Halloween budgets focused on kid items: colorful plastic superhero costumes, paper spider decorations with moveable legs, and bags full of little sugar bombs. But more and more, Halloween is becoming a major celebration for adults, too. If you’re one of those overgrown kids who loves to celebrate the scariest night of the year, you can do so without being terrified to look at your checking account on November 1. Creative costumes If you wanted to invest in an industry growing at an explosive rate, you could do a lot worse than the adult costume racket. Unfortunately,…
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    Gajizmo

  • How Much Car Can I Afford?

    Gary
    20 Oct 2014 | 2:01 am
    Let me preface this article by saying: don’t be one of those people in the grocery store who pays with EBT or food stamps (there is nothing wrong with social welfare) and then puts their groceries into a Range Rover or Cadillac Escalade (there’s something really wrong with that). Alternatively, don’t drive around with a Bentley and then pull up to a rent-controlled apartment. Just a few recent observations that partially fueled the creation of this post. With the US auto industry still in recovery mode from recent years of poor sales, now could be a great time to buy a new or used car…
  • Credit Score Range – What Is A Good Credit Score?

    Gary
    14 Oct 2014 | 2:05 pm
    Credit scores are some of the most confusing, yet essential components of personal finance. Reminiscent of our school days, consumers are basically “graded” on how well we manage our finances, ranging from Excellent to Poor, rather than A to F. If you’ve never applied for a mortgage or auto loan, you’ve probably wondered “what is a good credit score?” The simple answer is that credit scores range from 300 to 850, with 850 being the highest and best score. Additionally, a good credit score is anything above 720. There are a few legitimate ways to view your credit score online, but…
  • 101 Random Acts of Kindness Ideas

    Gary
    10 Oct 2014 | 12:20 am
    When you decide to do something nice for someone, just carry out your random act of kindness, wish them a great day, and walk away. An act of kindness should come with no strings attached, so don’t ask for their phone number, invite them to dinner or a party, or Facebook stalk them later that night. Just knowing that you made someone else smile or feel appreciated should be enough to brighten your own day. Check out our 101 Random Acts of Kindness Ideas below. Random Acts of Kindness 1. Everybody loves a free treat once in a while, why not make someone’s day better by paying for his/her…
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    Personal Finance AdvicePersonal Finance Advice

  • Are you making these Retirement Saving Mistakes?

    Chris Bibey
    24 Oct 2014 | 6:45 am
    Regardless of your age, income, or financial related goals, you likely understand the importance of saving for retirement. While some people have a defined plan, others continue to lag behind, wondering what they should and should not be doing. By eliminating common mistakes, you can quickly alter your approach and find yourself on the path to a better future. Here are three retirement saving mistakes that have sunk many before you. Are you going to avoid these? 1. Not starting early enough or playing catch-up. The sooner you start saving for retirement the better off you will be. Even if you…
  • How are you Going to Save this Holiday Season?

    Chris Bibey
    17 Oct 2014 | 6:48 am
    With the holiday season right around the corner, retailers are beginning to ramp up in anticipation of what is sure to be an exciting time once again. Although you still have plenty of time to purchase gifts for those special people in your life, there is nothing wrong with getting an early start. Like most, you probably have a budget for holiday gifts. As long as you know what this number is and are willing to stick to it, you will go into the new year feeling good about yourself. Here are several tips to follow if you are looking for ways to save this holiday season: 1. Don’t wait until…
  • Important Mortgage Loan Questions to Ask

    Chris Bibey
    19 Sep 2014 | 7:42 am
    There are a lot of questions to ask and answer as you search for a new home. While the act of finding a property can be downright exciting, the same cannot always be said for securing a mortgage. From local lenders to those that do business all over the country, you will be faced with many options along the way. How you make a final decision is up to you, however, there are steps you can take to improve your chance of success. Here are three mortgage loan questions to ask, regardless of which lender you are speaking with: 1. What is the best interest rate you can offer? Like most, this is the…
  • 5 Common Car Salesman Lies

    Chris Bibey
    12 Sep 2014 | 7:42 am
    Buying a car is a big decision for many reasons. Not only is this the vehicle that will get you around, but it will have some sort of impact on your finances. For this reason, you never want to make a decision until you are 100 percent comfortable with exactly what you are getting. Unfortunately, this is easier said than done because some car sales people don’t have your best interest in mind. Instead, they want nothing more than to make a deal, even if it means you are unhappy in the end. Here are five common lies that you need to be aware of: 1. The car is waiting for you. There is…
  • Three Valuable Changes to make after Moving into a New Home

    Chris Bibey
    28 Aug 2014 | 5:56 am
    There are not many things in life more exciting than buying a new home. While this is sure to be stressful at times, in the end it is your hope that you have a big smile on your face. Just because you move into a new home does not mean it is going to be perfect. In fact, some people purchase a property with the thought that they will move in and make immediate changes, all of which will increase the value and allow them to live more comfortably. If you are looking to make changes that will add immediate value to your property, here are three to consider: 1. New kitchen. When it comes to…
 
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    Mad Fientist

  • Empire Flippers – Buying and Selling Websites

    The Mad Fientist
    22 Oct 2014 | 3:22 am
    Justin Cooke from EmpireFlippers.com was kind enough to join me for an episode of the Mad Fientist Financial Independence Podcast! Justin and his business partner created a marketplace for buying and selling online businesses so today I tap into Justin’s vast knowledge about both sides of online real estate transactions and take a behind-the-scenes look into the process of online business investing. For those of you who enjoyed my interview with Billy Murphy from ForeverJobless.com, you’re going to love today’s interview because we dive even deeper into the process of buying…
  • Guinea Pig – Update #6 and Giveaway

    The Mad Fientist
    14 Oct 2014 | 8:50 am
    Welcome to the ninth month of the Guinea Pig (GP) experiment. The GP experiment allows us to watch the entire journey of someone going from $0 net worth to financial independence, using real-time market returns. To check out past articles in the series, visit the Archives page and scroll to the Guinea Pig section. I’ve decided to cut back on the GP updates to once per quarter, rather than once per month, so here’s what’s been happening since the last update… The Optimized GP has maxed out his 401(k) (but left enough of a buffer so that he can continue contributing 3%…
  • Why I’m Moving My Money to Betterment

    The Mad Fientist
    15 Sep 2014 | 5:51 am
    I’ve made a big decision. I plan to transfer the majority of my taxable money to Betterment. For those who haven’t heard of it, Betterment is an online financial advisor and portfolio manager that has been increasing in popularity over the last few years. Since my decision to hand over the keys to someone else will likely come as a big surprise, I’ll start this story from the beginning. Chatting with the CEO About a year ago, I attended a financial blogger conference in St. Louis. On the first night, I was having a beer with none other than Jim Collins from JLCollinsNH.com…
  • Guinea Pig – Update #5

    The Mad Fientist
    21 Aug 2014 | 5:51 am
    Welcome to the seventh month of the Guinea Pig (GP) experiment. The GP experiment allows us to watch the entire journey of someone going from $0 net worth to financial independence, using real-time market returns. To check out past articles in the series, visit the Archives page and scroll to the Guinea Pig section. It’s been another exciting month for the Optimized GP. He maxed out his 401(k) (leaving enough room to continue contributing 3% every month to get the full employer match) and he’s now moved on to his Traditional IRA. To see why he’s going with a Traditional IRA…
  • The Power of Quitting

    The Mad Fientist
    15 Aug 2014 | 5:34 am
    I was nervous when I walked into the meeting room with my boss. Breaking up is never easy to do, even when you are the one doing the breaking up. On my journey to financial independence, I sometimes dreamt about the day I would be able to walk into my boss’s office and quit. On particularly bad days at work, I would think about all the things I would say and that would make the hard times easier to get through. As I sat there though, chatting nervously about work, I mainly thought about the good things about my job. It’s amazing how you are able to see something in a different…
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    Getting Ahead, A Personal Finance News & Exchange

  • HOA: Home Buyer’s Friend or Foe?

    27 Oct 2014 | 6:00 am
    <p><img src="http://usequityadvantage.com/images/default-source/Blog/Images/hoaC1458512943C.jpg?sfvrsn=2" alt="HOA" title="hoa" /><br /> <br /> You&rsquo;ve found the house of your dreams. You&rsquo;re about to make an offer, when you notice a small monthly payment on the financials labeled &ldquo;HOA Fee.&rdquo;</p> <p>If the house is part of a community in which the homeowners share common areas such as a swimming pool, clubhouse, playground and green space beyond the individual home lots, then your membership…
  • Frugal Fall Fun

    22 Oct 2014 | 6:00 am
    <p><img src="http://usequityadvantage.com/images/default-source/Blog/Images/fall-fun.jpg?sfvrsn=2" alt="fall fun " title="fall fun " /><br /> <br /> With the holidays looming, finding inexpensive ways to have fun this fall is one way to save money for gift shopping and avoid bloated credit cards come New Year&rsquo;s. Here are a few ideas that&rsquo;ll help liven up your fall without breaking the bank.</p> <p><strong>Take a Scenic Drive</strong> </p> <p>With the weather cooler, and the air…
  • Pay Off Student Loans or Save for Retirement — What Should I Do First? (Hint: It's a Trick Question)

    20 Oct 2014 | 6:00 am
    <br /> <img src="http://usequityadvantage.com/images/default-source/Blog/Images/student-loans-question-mark.dib?sfvrsn=2" alt="student loan, retirement" title="Student loans question mark" /><br /> <br /> <p>For many Americans, student loans are as much a requirement for obtaining a four-year college degree as decent SAT scores. With all of the scare stories in the media about the crushing burden of student debt and the consequences of stretching repayment, young graduates may be tempted to postpone buying a home and saving for…
  • Tapping Your Home Equity - Part 1

    15 Oct 2014 | 6:00 am
    <img src="http://usequityadvantage.com/images/default-source/Blog/Images/tapping-home-equity.jpg?sfvrsn=2" alt="home equity " title="tapping home equity" /><br /> <br /> <p>The mortgage meltdown of the last decade threw cold water on what had been a very popular way to raise cash: tapping the equity in your home. Equity is the difference between what you owe on your mortgage(s) and what you could sell your home for. As home prices rise, some homeowners will find there&rsquo;s a lot of value &ldquo;locked up&rdquo; in their…
  • Money Saving Tips to Stretch Your Fall Clothing Budget

    13 Oct 2014 | 6:00 am
    <img src="http://usequityadvantage.com/images/default-source/Blog/Images/savings-on-fall-clothes.jpg?sfvrsn=2" alt="money saving tips " title="savings on fall clothes" /><br /> <p>When the fall fashion issue of our favorite magazine hits the newsstand, we're often tempted to head straight to the mall to emulate those fabulous runway styles for ourselves. Unfortunately for most folks, designer labels can be a little out of reach. But with the right shopping strategy, you&rsquo;ll be surprised at just how far your clothing budget can take you.
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    Rockstar Finance

  • A Simple Way to Undo Money Mistakes

    J. Money
    30 Oct 2014 | 3:30 am
    “It’s strange. People talk a lot about regretting financial mistakes but rarely does anyone mention punishing themselves for those mistakes. I suppose the loss of funds seems like punishment enough. But that’s a cop-out in my book. It’s not actually punishment because it has already happened. A punishment serves as retribution in addition to what has already been done. You’ve lost the money and that sucks but your punishment is to earn it back while thinking about how you’ll not make the same mistake twice.” Check out the entire tip here: FirstQuarterFinance.com…
  • Reactive vs. Proactive Income Streams

    J. Money
    30 Oct 2014 | 3:15 am
    I was listening to a podcast last month, and the question came up of how much of your time is spent in “reactive mode” vs. “proactive mode.” That really hit home since it’s something I’ve been wrestling with lately, and a challenge I believe all side hustlers are faced with. I’ve found myself in “reactive” mode quite a bit, delivering work for clients, answering email, fulfilling other people’s demands on my time. And all that is totally fine, because it pays. But it doesn’t “scale”… Check out the entire article here:…
  • I Was Ripped Off By a Nun

    J. Money
    30 Oct 2014 | 3:00 am
    “I am now wary of any request for money for any cause. My default answer is “I already gave.” Liar! Do not get me wrong, I do give, but to only charities that I choose, understand and care most about.” Check out the entire story (and tips) here: MessyMoney.com —— [Photo cred: horseman7869]
  • Living Your True Wealth

    J. Money
    29 Oct 2014 | 3:30 am
    “What would happen, I asked, if we had to walk around with our true wealth flashing as a number above our heads?… Maybe this idea is too radical, but for the next week, I’d love for you to test this theory. Try living as if everything you did financially was public information. How does it affect your decisions? Do you find yourself still doing things that just look good, or are you doing things that actually are good for you? Do you find it easier to be your authentic self?” Check out the rest of this article here: NYTimes.com —— Hat tip to Derek & Carrie…
  • What a Millionaire Farmer Taught Me About Money

    J. Money
    29 Oct 2014 | 3:15 am
    “Gary is a farmer. Farming works for him. He became a millionaire doing it. Figure out what your opportunity is and what your options are. You may not have a desire to run a farm, but you can still learn a valuable lesson here. What opportunity will come in your lifetime? My guess is that you will have many. If you watch for them. Gary invested in undervalued land. Now he is a millionaire. ​Warren Buffett invested in undervalued companies​. Now he is a billionaire. ​Figure out what works for you and look for opportunities accordingly.” Check out the entire article here:…
 
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    Doctor Of Credit

  • Chase Removes The Annual Fee For The First Year on Their British Airways Card

    William Charles
    30 Oct 2014 | 10:10 am
    The Offer Direct link (currently no links without affiliate links are available. In the mean time you can use the DD link if you like) British Airways Visa Signature Card now has the annual fee removed ($95) for the first year. Here are the key marketing bullets for this card: 50,000 bonus British Airways Avios when you spend $2,000 or more within the first three months Card earns at the following rates: 2.5x points on all British Airways purchases 1.25x points on all purchases Travel Together Ticker: If you spend more than $30,000 in a calendar year which is valid for two years. More details…
  • Review of TD First Class Visa Credit Card; $250 Cash Signup Bonus, 3% Dining & Travel [Geographically Limited]

    Chuck
    30 Oct 2014 | 8:22 am
    [This post does not contain any affiliate links.] We like to highlight some of the lesser know credit cards. Today we’re going to review the TD First Class Visa from TD Bank. The main two selling-points of the card are the $250 signup bonus and the 3x rewards on travel and dining. Note, however, that this card is geographically limited. $250 Signup Bonus Direct Link  This card offers 15,000 point signup bonus after your first swipe (no minimum spend required), and another 10,000 points when you spend $3,000 in the first 6 months. There is no annual fee the first year, then $89. Okay,…
  • List Of Churnable Credit Cards

    William Charles
    30 Oct 2014 | 7:00 am
    Whenever I ask for resources that people wish existed on Twitter, I get the same answer “what credit cards are churnable”. I’ve tried to put a list together several times but have been overwhelmed or got involved in other projects. Thankfully I’ve finally bite the bullet and below is a list of the major credit card issuers and if it’s possible to churn their credit cards. What Does ‘Churnable’ Mean? In this context churnable means that it’s possible to get the sign up bonuses repeatedly. For the purposes of this article, we will consider a…
  • It’s Time To Celebrate! One Year Blog Anniversary

    William Charles
    29 Oct 2014 | 11:35 am
    A little over a year ago, I started this blog. Originally it was designed to cater exclusively to credit score information, I was unhappy with the information that was out there and even more unhappy with companies that were misleading consumers into purchasing credit scores that weren’t the same as the ones lenders looked at. My first post (at least the first post I remember writing, I wrote a number of “pages” that weren’t on the blog first) was titled “How To Get A Free FICO Score With A Walmart Credit Card“. It was only natural progression that I…
  • [OH, MI, IN, PA, KY, WV] Huntington Bank $150 Checking Promotion

    William Charles
    29 Oct 2014 | 7:52 am
    Offer at a glance Maximum bonus amount: $150 Availability: Ohio, Michigan, Indiana, Pennsylvania, Kentucky and West Virginia Direct deposit required: Yes, $500 or more Additional requirements: None Hard/soft pull: Soft Credit card funding: None Monthly fees: None Early account termination fee: Bonus forfeited if closed within 6 months Expiration date: November 26th, 2014 The Offer Direct link to offer Receive a $150 bonus when you open an Asterisk free checking account from Huntington bank and add a qualifying direct deposit of at least $500 (must be at least one single deposit of $500 or…
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    moneypantry.com

  • 50 Computer Based Business Ideas for Work from Home Enthusiasts

    Satrap
    30 Oct 2014 | 10:49 am
    It’s very rare to find a person nowadays that doesn’t own a computer, be it a desktop, a laptop, sometimes even both. Computers have become a part of our everyday lives. All business owners and employees use computers in varying degrees to perform tasks needed to effectively run a business or related to their employment, such as emailing, marketing, developing advertising material, searching the internet for information, accounting, storing documents, taxation, and so on. A huge variety of business functions can now be performed anywhere a person has access to a computer, thereby enabling…
  • How to Make Money Recycling Paper (Magazines, Newspapers, Cardboard…)

    Satrap
    29 Oct 2014 | 9:56 am
    According to a report done by the EPA (US Environmental Protection Agency) in 2010, out of 250 million tons of trash Americans had produced, paper and paperboard accounted for 29 percent of it, making it the number one waste material in our landfills. Thankfully, we are doing better. More of us are learning to recycle, and that’s great news for both the environment and our wallets. But there are still tons of papers in our landfills that can be recycled. And since there is an abundance of used paper available, its recycling makes a viable business proposal. That is why there are many…
  • These 4 Companies Will Pay You to Receive Junk Mail!

    Satrap
    28 Oct 2014 | 9:55 am
    Getting paid for receiving mail may sound unbelievable, but it is a real way of making some extra dollars. No, your postal company is not paying people for getting mails in their inbox. There are, however, many companies willing to pay you for receiving mails as they want to check how efficiently their mails are getting delivered.   How it Works? You would be receiving new letters, catalogue, and magazine in your mailbox from various companies. These companies are keen to know how long it takes their mailings to reach prospective clients or if they ever receive those. So, they hire what…
  • Get Paid to Tell Your Favorite Magazines What You Think of them!

    Satrap
    27 Oct 2014 | 4:15 pm
    Are you a magazine reader? Do you enjoy reading magazines related to Food, Cooking, Decorating, Gardening, and Home Improvement? If yes, you are going to love this… Meredith Corporation (you know the famous company that helps create content for magazines like Better Homes and Gardens, Family Circle, Every Day with Rachael Ray, Fitness, Parents, and others?), is looking for members for their new panel, Magazine Advisers Community. It’s sort of like a paid survey panel where you take surveys and polls about your favorite magazines and are rewarded with cash and prizes in the…
  • Get Paid for Your Opinion: a Global Test Market Review

    Satrap
    27 Oct 2014 | 10:38 am
    When it comes to sites that pay you to take surveys, Global Test Market is a prominent entity in this niche. But there’s that one lingering thought: Is it worth your time? I signed-up with the site to learn its processes and inner workings to investigate its legitimacy and trustworthiness. If you’re among those interested in joining Global Test Market’s panel of survey takers, you will find this review helpful.   What Are Surveys Anyway? If you are new to surveys, surveys are basically a set of questions designed to gather feedback from consumers on different products and services.
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    CompareHero Malaysia

  • Halloween Party on a Budget: 9 Great Ideas

    CompareHero
    31 Oct 2014 | 1:04 am
    So you want to throw a party for Halloween at the last minute to amuse the kids or perhaps get together with special friends? Get in the spirit of the special occasion, even if you don’t have that much to spend! With a small budget and limited time, you can still throw a "spooktacular" party by trying these great Halloween party ideas: 1. Stream Your Background Music There are a lot of on-demand music streaming services that offer ambient music for free, such as Spotify, Deezer, or Rdio. Try looking for scary music, or soundtracks to your favorite horror flicks for an extra hint of scary.
  • Halloween Events 2014: 7 Places to Celebrate with Family and Friends

    CompareHero
    28 Oct 2014 | 6:00 pm
    Excited about Halloween? It’s a fun event where you can dress up in costume and have some actual fun with family and friends! So get those scary Halloween costumes ready and check out the following Halloween events you shouldn't miss in and around KL! 1. Zombie ApoKLypse @ Publika Survive the Zombie ApoKLypse at Publika Mall! From 8pm all the way into the evening, survive the zombie outbreak and experience a rich story-driven adventure throughout the mall’s deepest, darkest hallways! Watch out for the zombies, and hope to find a cure in time! 2. Halloween @ Legoland Bring the kids and…
  • 7 Super Easy Halloween Costume Ideas

    CompareHero
    26 Oct 2014 | 10:21 pm
    Can’t be bothered to buy or prepare elaborate Halloween costumes? Impress everyone at that Halloween ball to which you got a last-minute invitation, be the centre of attention at your office Halloween party or get the kids ready for trick-or-treat without any fuss! If you’re looking for easy-to-do Halloween costumes that don’t require you to spend too much time and money, then you’ve come to the right place. Of course, you don’t want to look dorky or as if you didn’t give your costume any thought. Here we’ve compiled the most “economical,” but at the same time, clever and…
  • 9 Homemade Beauty Recipes to Try Now

    CompareHero
    23 Oct 2014 | 6:00 pm
    Ever wanted to just have a day off at the spa, but don’t have the budget for it? Don’t worry, you can have yourself pampered the way you’ve always wanted right in the comfort of your own home! Try out these 9 Homemade Beauty Recipes on your weekend off work! 1. Egg White & Honey Face Mask   All you need is an egg and a tablespoon of honey! In a bowl, mix the egg white and honey really well. Then, tie back your hair and massage the mixture gently on your face. Remember to avoid getting the mixture in your eyes! Leave the mixture on until it begins to dry and tighten, and then…
  • Hunting for Great Bargains? Asia’s Top 5 Fashion Shops Online

    CompareHero
    21 Oct 2014 | 9:53 pm
    There’s something to be said about the benefits of shopping in your pajamas in the comfort of your own home. Thanks to the Internet, you can not only do just that, you can also buy great fashion items at lower prices compared to buying from stores! Enjoy a laid-back weekend shopping online for great fashion finds. We found the top 5 fashion shops online in Asia offering the best fashion collections and the greatest bargains just for you! 1. Asia Fashion Inc. - www.asiafashioninc.com   Founded by Timothy Chen and Aidan Yeoh, Asia Fashion Inc. aims to lead the Asia Fashion Revolution by…
 
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    Financial Market Vigilante

  • Stocks Post QE3 - Pay Attention to this Data

    30 Oct 2014 | 10:10 am
    For years the Fed Funds rate has been the sacred measure that investors followed to determine if the Federal Reserve was promoting and accommodative or restrictive policy.  Fed rate hikes were a signal that the market was a little too juiced on the punch, and margin calls or a reduction in lending in the market was considered prudent.What about today?  The Fed Funds rate has been at 0% since December 2008 yielding the rate meaningless in understanding just how Fed policy is influencing the financial markets, much less the economy as a whole.  I separate the stock market from…
  • Investors Beware, U.S. Fiscal Spending Shift Coming

    30 Sep 2014 | 6:56 am
    As we approach the 2014 mid-term elections, U.S. fiscal policy is an economic headwind without any apparent current political movement to change.The relatively tight policy as measured by rate of growth is a counter inflationary force foremost, but also potentially slows down economic growth. You can see the evidence that the present fiscal policy is currently tight by reviewing the August 2014 year over year fiscal expenditure growth rate compared to previous years when the stock market peaked.This data is surprising to many investors because they are so accustomed to hearing how Washington…
  • Lending Activity Heats Up – Should Stock Investors Worry?

    22 Sep 2014 | 6:48 am
    One aspect of the recent U.S. economic growth not widely recognized is that it is being fueled by renewed high levels of debt being taken on by consumers, businesses and investors.Unsustainable debt levels are notorious for derailing GDP growth.  This phenomenon was evident prior to the last two stock market peaks, and the risk has returned to the U.S. market once again.If you review the statistics shown in the table below, you will see that just like 2000 and 2007, debt levels in 2014 have risen to warning zone levels relative to the size of the U.S economy (red = historically high, yellow…
  • Stocks Expensive, Force Building to Knock Bull Down

    15 Sep 2014 | 5:43 am
    Many articles have been released in the media in recent weeks concerning whether the stock market is over-valued or “very expensive” and may be approaching a peak.One highly regarded researcher is Robert Schiller, who in August of 2014 was interviewedby many media outlets concerning the high level of the CAPE Ratio (cyclically adjusted P/E) to give his views.Using this analytical approach he notes, “The United States stock market looks very expensive right now.”I take a slightly different approach to look at the relative value of stocks compared to historical norms, but reach the same…
  • Trend in U.S. Treasury Ownership Highlights Precarious Fed Rate Policy

    9 Sep 2014 | 4:46 am
    Fed policy continues to be aggressively accommodative going into year-end 2014, even as it is projecting a wind down of the massive $1.54T QE program begun in January of 2013.The easiest way to see the market rate impact of the Fed’s QE program and ZIRP (zero interest rate) policy is to review the current Treasury yield curve.  As the above graph shows, the current yield curve is Read more »
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    Money International

  • Gulf Expat Destinations Voted Worst Places To Live

    Martin Hughes
    29 Oct 2014 | 10:52 pm
    Two of the most popular expat destinations are ranked as the worst places to live and working a new survey. Saudi Arabia and Kuwait hit rock bottom of the list of 61 countries – taking the bottom two places. According to government statistics, around 33% of the Saudi population of 30 million are expats, while the figure for Kuwait is around 55% of the 1.8 million population. Expats voted down both countries, with Saudi Arabia coming bottom in the ‘leisure activities’ category of the survey, with 54% of expats expressing dissatisfaction in leisure opportunities in the country. Meanwhile…
  • Couples Don’t Too Little Time Talking About Money

    Vicky Dixon
    29 Oct 2014 | 10:52 pm
    Half of couples over the age of 40 have failed to make any financial provision for their partners should they die, according to a new survey. Only 42% of couples aged over 40 have arranged their financial affairs to make sure their partner continues to receive an income should they die. Sadly, 20% of women have no savings and will have to survive on money left by their partner should he die, while only 2% of men would depend on money left by their female partner. Just over half of couples (53%) have discussed how their partner’s death would affect their finances and lifestyle, according to…
  • How To Spot A Pension Liberation Scammer

    Vicky Dixon
    29 Oct 2014 | 10:43 pm
    Pension liberation fraudsters are still trying to persuade retirement savers to hand over their pension cash despite an ongoing campaign by regulators to outlaw the scam. In a bid to help pension investors avoid rogue advisers, HM Revenue & Customs (HMRC) has recently released a list of indicators that identify an adviser as a scammer. Pension liberation is a fraud that lures savers into unlocking cash from their retirement funds before they reach the age of 55. Here are some of the tricks scammers are using, says HMRC: Phoney offers – if an adviser mentions terms such as a free…
  • Fed Puts US Rate Rise On Backburner

    Patricia Smith
    28 Oct 2014 | 10:08 pm
    Worries about interest rate rises in the United States may have been put on the back burner by the Federal Reserve. Minutes of the latest open market committee meeting cite concerns about the strengthening dollar and fear of global economic growth faltering may put off a decision to hike rates. The US policymakers are watching developments in the Eurozone, China and Middle East to see what effect they may have on the economy before putting rates up. Markets are falling in the UK and Europe following further indecision by the European Central Bank to bolster the single currency zone. A speech…
  • How To Spot A Rogue Financial Advisor

    Martin Hughes
    28 Oct 2014 | 10:08 pm
    Dealing with firms without an authorisation to give financial advice can cost investors their life savings. The Financial Conduct Authority publishes a list of more than 3,000 firms trading without permission in the UK – and warns that dealing with them means investments are not protected by the Financial Ombudsman nor the Financial Services Compensation Service if they go wrong. To help investors identify they are dealing with a licensed and regulated adviser, the FCA has a list of hints: Check the firm is on the FCA register of authorised intermediaries – if not, call the FCA on 0800…
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    SuperMoney!

  • 10 Clever IKEA Furniture Hacks That’ll Turn Boring To Amazing Instantly!

    Audrey Henderson
    28 Oct 2014 | 12:01 pm
    Who doesn’t love IKEA? This Swedish import has made stylish living both affordable and easy. But many IKEA shoppers aren’t satisfied with accepting standard IKEA designs and furnishings.  With a combination of creativity and an easy to moderate level of do-it-yourself skills, many popular IKEA items can be hacked into amazing, functional objects that look way more expensive than the actual cost.A Privacy Screen Fashioned from Rektangel Vases Lofts provide wonderful, open floor plans that feel airy and spacious. Privacy? Not so much. But setting cheap Rektangel vases on their sides…
  • How Much Money Should You Save From Your Salary To Be A Millionaire?

    Jennifer Leonhardi
    27 Oct 2014 | 3:34 pm
    Saving money for retirement is something that just about everyone knows they should be doing. The sad reality however, is that very few of us are actually saving enough money to allow us to be able to enjoy a financially comfortable retirement. So, how much money should we be saving each month towards our retirement? That all depends on how much you hoped to have saved up by the time you retire. If you have a goal in mind, for example if you want to be a millionaire by the time you retire, then you may have to work a bit harder than the average Joe. Plus, there are always several other…
  • 15 Bizarre Places People Hide Money! (Wait For No. 8)

    Pamela Britton-Baer
    27 Oct 2014 | 3:31 pm
    Are you a cash stasher? More and more people are. Despite reports that the Great Recession is well behind us, people are still keeping their money out of banks.In fact, according to a Gallup poll conducted in June of this year, 28% of Americans have “very little confidence” in banks. Maybe that’s why we’ve noticed a trend in the crazy places people hide their money. Some are clever. Some are cool. Some are just plain insane. Here’s our list of favorites:1. In the freezer: You’ll have some crazy cold, hard cash if you chose to hide your bills in with the frozen broccoli. Hey,…
  • How To Manage Your Personal Finances Successfully

    Julie Bawden-Davis
    23 Oct 2014 | 12:43 pm
    Managing your personal finances successfully should definitely be on the top of your to do list. You know that a well-ordered financial house makes for a smoother, happier life, but the idea of getting your finances in order can be a bit daunting.Clear up the confusion with this handy guide on how to create a plan to save, spend and invest.Getting startedBefore you can determine the best ratio for managing your personal finances in terms of how much to save, spend and invest, you must take inventory. This means computing your income and expenses and using those totals to determine your…
  • How To Invest Your Savings To Build Your Own Startup

    Andrew Latham
    23 Oct 2014 | 10:33 am
    So you have a great business idea you’re excited about and you’ve managed to squirrel away some seed money to make your dream a reality. However, you’re still not ready to launch your business. What should you do with your cash? Great question. This article will give you some clear and actionable advice on what you should do with your spare cash until your start-up takes off.First of all, it is important to realize that a lot depends on your specific circumstances and goals. For this to work, you have to take a long and hard look at yourself and what you want out of this. Let’s…
 
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    Your Smart Money Moves | Personal Finance Blog

  • 7 Ways to Cut your Cellphone Bill

    Van Pappas
    29 Oct 2014 | 3:02 pm
    Today’s household has to deal with so many expenses that my parent’s generation did not have.  When I was growing up in the 70s and 80s, we did not have a cable bill, an internet bill and most certainly no cell phone bill.  Now, we cannot do without these items.  If we are going to have these extra expenses, we might as well get the best deal possible.  Consider some of these cost cutting items. Consider prepaid service. Pay-as-you-go services have gotten a lot better recently.  If you are not a heavy cell phone user you usually come out better by only paying for what you…
  • 10/28/14 The Cost Of Raising A Child

    Ted Jenkin @ Your Smart Money Moves
    28 Oct 2014 | 8:29 am
    How to Get Rich w/ oXYGen Financial Topic: The Cost Of Raising A Child Taped 10/28/14 Listen every Tuesday morning at 8:00 a.m. on ROCK 100.5 | Atlanta’s Rock Station to “Your Smart Money Moves” with The Regular Guys and oXYGen Financial. Ted Jenkin, CFP® and Kile Lewis, CRPC® are the founders of oXYGen Financial, and our chief financial officers. All your money questions answered Breathe easier at http://oXYGenFinancial.net
  • Is it time to make an appointment with the doctor?

    Ted Jenkin @ Your Smart Money Moves
    28 Oct 2014 | 8:00 am
    Getting laid off from your job can trigger a myriad of emotions. There are often important financial considerations to make during this period of time, but the number one investment step for someone to take who gets laid off is to review all of your group insurance benefits at work and determine the best course of action for this important foundation of your overall financial plan. You should immediately make any doctor and dentist visits for you and your family before you officially terminate from your company. Another smart idea is to assess how close you are to your deductibles year to…
  • 5 Ways To Stop The Energy Vampires

    Ted Jenkin @ Your Smart Money Moves
    24 Oct 2014 | 5:00 am
    Halloween is one of my favorite times of the year.   Handing out candy to all of the kids in my neighborhood never gets old, and at least one child each Halloween season is dressed up as a vampire.   Computers, cell phones, cable boxes, and printers can be the Vampires that suck up your money by giving you a bigger monthly electricity bill.  The EPA estimates that plugged in devices can suck up $100 a year or more to keep power going to devices not being actively used.   What are five smart money moves that can be used to stop the energy vampires from biting you? Suzanne Jones, Interim…
  • Four Money Moves To Make When You Get The Pink Slip

    Ted Jenkin @ Your Smart Money Moves
    22 Oct 2014 | 12:47 pm
    The Pink Slip.  It’s the dreaded official notification from your employer that they no longer need your services.   You’ll often hear the corporate rumors flowing within your company about the impending layoffs, but you’ll never suspect that you might be a person on the hit list.   We never imagine that we will be that person who gets called in for dismissal time.   While getting a pink slip is an awful feeling, it’s also a phase in your life where you need to immediately get your financial act together.  Here are my four smart money moves to make when you get laid off from…
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    Money On Trees

  • Car Insurance: Can I even afford you anymore?

    Fabio Marrama
    23 Oct 2014 | 7:47 am
    I know exactly what it feels like to fork over 50% of your pay cheque to one thing every single month – and I’m not talking mortgage or rent. That’s what car insurance was like for me. Was I the greatest driver? No, and I’ll be the first to admit that, but the industry wasn’t so much in my favour at the time. Car insurance is definitely not the cheapest thing going for Gen Y’s out there. I recently read an article in the Globe and Mail about the state of car insurance affordability for Millennials these days. It struck me how soaring premiums have nearly priced out Gen Y from the…
  • Happy One Year to Money On Trees

    Fabio Marrama
    16 Oct 2014 | 12:47 pm
    It’s hard to believe one year has already flown by. We’re excited to be a great resource for our community – no matter what age or stage in life. I must say, it’s definitely a great time to celebrate all that we’ve been able to accomplish over the past 365 days. Along with the variety of blogs we post every week, we’ve also had the privilege to present financial literacy seminars to many young adults from various schools, conferences and events in our communities. We have been fortunate enough to bring Money on Trees seminars to different events within our communities this past…
  • Forking it over: Canada’s Highest Tuitions

    Fabio Marrama
    2 Oct 2014 | 10:56 am
    Let’s be honest – Getting a post secondary degree can be a pretty costly decision. If you’re like me, balancing a serving tray on weekends at a local café pinching the tips I’d earned was my way of “paying for school”. In my spare time, I’d be applying for numerous scholarships and bursaries in hopes that one might slash some dollars off my tuition. Eventually, I paid it off. It wasn’t easy, and it’s not getting any easier it seems. I recently read an article in the Huffington Post on Canada’s Highest Tuitions. It looks like they’ve made a jump. According to a…
  • Identity Theft: Are You Leaving a Paper Trail?

    Fabio Marrama
    25 Sep 2014 | 10:20 am
    The start of the school year means many things – tuition payments, reuniting with friends, textbook shopping and a lot of paperwork. From registering for your student card to wrangling your OSAP applications, before you know it your backpack is full of paper. So, how can a piece of paper be more valuable than your expensive new laptop, smartphone or engineering textbook? Because in the wrong hands, the right piece of paper can lead to identity theft, potentially costing you more in the future. Identity theft is a growing concern in Canada and is defined as having an unauthorized person or…
  • Ten More Ways to Save During School

    Fabio Marrama
    18 Sep 2014 | 7:30 am
    I’ve racked my brain and tried to remember some of the ways I saved when I was in school and thought I would share them with you. Also be sure to check out our posts on budgeting, textbooks and more here. Got your own money-saving tips? Feel free to share in the comments.   1. Share everything. Taking a class with a friend? Consider sharing the textbook. Want to order pizza – see who will chip in. Driving home for the holidays? Make room in the backseat and score a little gas money. All it takes is a quick Facebook status update or a text and you could be on your way to a less…
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    Bankrate.com » Rates

  • Mortgage rates in Dallas, Texas

    Clare Mallen
    16 Oct 2014 | 9:00 am
    See this week's average rates for the 30-year fixed-rate mortgage, 15-year fixed-rate mortgage, 5/1 ARM and 30-year jumbo mortgage in metro Dallas.
  • Mortgage Rates in Chicago, Illinois

    Mitch Strohm
    16 Oct 2014 | 9:00 am
    See this week's average rates for the 30-year fixed-rate mortgage, 15-year fixed-rate mortgage, 5/1 ARM and 30-year jumbo mortgage in metro Chicago.
  • Mortgage rates in Atlanta, Georgia

    Clare Mallen
    16 Oct 2014 | 9:00 am
    See this week's mortgage rates in Atlanta for the 30-year fixed, 15-year fixed, 5/1 ARM and jumbo home loans.
  • Mortgage rates in Washington, DC

    Clare Mallen
    16 Oct 2014 | 9:00 am
    Here are the weekly updated mortgage rates for Washington, D.C., including the 30-year fixed, 15-year fixed, 5/1 ARM and jumbo home loans.
  • Mortgage rates in Houston, Texas

    Clare Mallen
    16 Oct 2014 | 9:00 am
    See this week's average rates for the 30-year fixed-rate mortgage, 15-year fixed-rate mortgage, 5/1 ARM and 30-year jumbo mortgage in metro Houston.
 
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    Stock News Desk

  • US GDP, Mastercard Tops Estimates; Germany in Deflation

    Marcel Jackson
    30 Oct 2014 | 9:19 am
    New York City, New York – (StockNewsDesk) – 10/30/2014 — The much-awaited Fed meeting has finished, and the outcome of it was as expected. The massive $85 billion bond-buying program started in 2012 has come to an end while the interest rates will remain unchanged. Gross Domestic Product (GDP) of the US boosted investor confidence. GDP grew at 3.5% compared with Street’s estimates of 3.0%. The figure is on an annualized basis.  Higher consumer spending coupled with higher exports, and lower imports helped the economy to grow.  US economic activity increased to 4.6% on an …
  • Samsung Shares Hit by Declining Mobile Sales

    James Smith
    30 Oct 2014 | 7:40 am
    New York City, New York – (StockNewsDesk) – 10/30/2014 — Samsung announced an operating profit that was its lowest in three years, since the Galaxy line was introduced. The intense rivalry between Apple and Samsung have taken a decisive turn based on third-quarter results because of the booming sales of the iPhone 6 and iPhone 6 Plus. Samsung has gone from an innovator to playing catch up to win customers back. Net Profit Tumbles The scariest takeaway for Samsung’s investors was an almost 50% decline in net profits, from the same quarter, last year. The primary reason for this…
  • Time Warner Cable Offer Mixed Numbers, Promising Guidance

    Andy Manalis
    30 Oct 2014 | 6:42 am
    Santa Barbara, CA – (StockNewsDesk) – 10/30/2014 — Time Warner Cable (NYSE:TWC), one of the largest cable operators in US, video and speed data provider posted mixed third-quarter results. While the net income of the company was below par revenue was in line with expectations. The income of the company declined primarily due to fall in the video subscribers. The fall in video subscribers was 184,000 in comparison to 136,000. The net income of the company fell to $499 million compared to last year same quarter’s reading of $532 million. Revenue came in at $5.71 billion against…
  • Fed ends the open ended QE program

    Jaimini Desai
    30 Oct 2014 | 5:43 am
    Philadelphia, Pennsylvania – (StockNewsDesk) – 10/30/2014 — The latest FOMC statement arrived on Wednesday at 2PM, with the biggest news being the final taper of $15 billion ending the Fed’s open ended QE program. This was known as QE4 by traders and unlike previous liquidity injections, it was based on economic data rather than preset amounts. Confidence in Economic Outlook Despite the marginally hawkish move of ending the last dose of stimulus, the Fed was careful to maintain that rate hikes were not imminent. There is the possibility that the zeroes percent interest rate…
  • US Steel Earnings Up Big on Earnings Beat

    Jaimini Desai
    29 Oct 2014 | 11:59 am
    Philadelphia, Pennsylvania – (StockNewsDesk) – 10/29/2014 — US Steel’s stock opened higher almost 10% after the company topped analysts’ estimates for third-quarter earnings and revenue. The company has continued to reap the benefits of its “Carnegie Way” initiative, designed to cut costs and streamline operations. Due to this successful restructuring, the company has continued to thrive during a rough patch in the global economy and steel industry. Earnings Beat US Steel reported a loss of $207 million for the quarter; however, this was because of a onetime charge of…
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    The Travel Sisters

  • Win Free Flights to Iguazu Falls

    Patti
    30 Oct 2014 | 8:03 pm
    LAN is offering a promotion where one grand prize winner can win two (2) round-trip economy airfare tickets to Iguazu, Argentina. The Countdown to South America destination IGUAZU ends today October 31, 2014.  You are allowed one entry during the promotion period by visiting www.lan.com/onlyinsouthamerica/countdown and completing all required fields of the online entry form.  There is also the opportunity to earn one additional entry by sharing that you have entered via Facebook or Twitter through the “share” buttons on the contest page. This contest is open only to legal residents…
  • 7500 AA Miles For Cadillac Test Drive Still A Possibility?

    Matilda
    30 Oct 2014 | 4:51 pm
    A family member received an unexpected deposit in his American AAdvantage frequent flyer account this week.  After Patti and I reported a painless visit to a Cadillac dealership in order to earn miles for a test drive, my husband registered via chat on 10/19 for the promotion and was told to schedule an appointment directly with the dealership.  Well, work got in the way and he never got around to scheduling that appointment before the promotion ended. Fast forward a week later: Patti and I received a confirmation email that 7,500 AA miles were credited to our account.  My husband…
  • My Experience Visiting a Cadillac Dealership for 7,500 Free American AAdvantage Miles

    Patti
    19 Oct 2014 | 4:27 am
    Update: This promotion has ended. American Airlines currently has a limited time offer where members of the American Airlines AAdvantage frequent flyer program can earn 7,500 free miles for test driving a Cadillac.  I “completed” my test drive yesterday and will hopefully receive my 7,500 miles in a few weeks. If you have not already scheduled your test drive, here is my experience: Scheduling a Test Drive There are two ways to schedule the Cadillac test drive: 1.  Call a Cadillac Concierge at 844-469-2234 (as stated on the offer page)  OR 2.  Use the chat online feature…
  • Place Vendome Controversy…Should Authorities Pull the Plug?

    Matilda
    16 Oct 2014 | 4:16 pm
    American artist Paul McCarthy is creating quite a stir in Paris with a 24ft tall inflatable Christmas tree titled “Tree”.  The controversy is not centered around any sort of religious issue but rather one of a more, um, earthly nature.  Located in the Place Vendome, the sculpture has some on twitter suggesting that it strongly resembles a sex toy and should be removed. I would like to give the artist the benefit of the doubt but a quick google search reveals he is no stranger to controversy.  In any case, social media users have already begun posting photos creatively posing…
  • Win A Free Trip To The People’s Choice Awards!

    Patti
    13 Oct 2014 | 5:31 pm
    Delta is having a sweepstakes where you can win one of 3 unique travel experiences: One (1) grand prize – People’s Choice Awards 2015 VIP Experience (consisting of two $500 Delta eCerts credit vouchers for air travel, 2 nights accommodations at the Westin Bonaventure Hotel & Suites, access for 2 to the People’s Choice Awards pre-event reception and red carpet viewing area to view celebrity arrivals, 2 orchestra section tickets for the People’s Choice awards ceremony and a check for $500). One (1) first prize – Exclusive Resorts Luxury Getaway (consisting of two  $500…
 
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    Advantage CCS » Blog

  • The Scary Truth about Teens & Money

    Lauralynn Schueckler
    29 Oct 2014 | 12:43 pm
    Around this time of year we usually do a blog post about “How to Save Money on Halloween Décor” or “Save Money on Halloween with These DIY Costume Ideas” and...The post The Scary Truth about Teens & Money appeared first on Advantage CCS.
  • The True Cost of Weight Loss

    Lauralynn Schueckler
    22 Oct 2014 | 2:05 am
    Weight loss can be a difficult thing to achieve. Living a healthy lifestyle and turning away from overeating and eating the wrong foods are all things that most people in...The post The True Cost of Weight Loss appeared first on Advantage CCS.
  • 10 Pitfalls of Online Shopping

    Lauralynn Schueckler
    14 Oct 2014 | 8:15 am
    Christmas may be right around the corner (71 days to be exact), but not everyone is ready for walking those long walks through parking lots, and fighting through crowds that...The post 10 Pitfalls of Online Shopping appeared first on Advantage CCS.
  • Wedding Planning on a Budget

    Laur