Personal Finance

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  • Best Banks with the Highest Interest Rate for Savings Account

    Moolanomy Personal Finance
    Pinyo
    10 Sep 2014 | 6:00 am
    Are you earning the most from your savings and money market deposit accounts? Deposit accounts are the pillars of a strong financial foundation, providing you with financial stability as you work to achieve your financial goals. […] Read Another Article: How to Choose the Best High Yield Savings Account The Difference Between Money Market and Online Savings Accounts Savings Basics: How to Get Started with Savings Accounts Alternatives to Savings Accounts: CDs and Money Market Accounts Comparing CDs, Peer-to-Peer Lending, and Reward Checking Accounts Read the rest of Best Banks with the…
  • Your Money Adviser: Rule Changes Increase Flexibility in Pretax Health Care Accounts

    NYT > Your Money
    By ANN CARRNS
    19 Sep 2014 | 10:05 am
    Employers have the option of letting participants carry over as much as $500 to the next plan year, rather than forfeit it.
  • IRS Issues 401(k) After-Tax Rollover Rules

    Forbes - Personal Finance
    Ashlea Ebeling
    19 Sep 2014 | 12:26 pm
    The IRS finally clarifies 401(k) after-tax rollover rules, opening the door to tax-free growth of after-tax dollars rolled into a Roth IRA.
  • 10 Steps To Boost Your 401(k) Balance

    Forbes - Personal Finance
    Ashlea Ebeling
    19 Sep 2014 | 12:26 pm
    The maximum amount an individual can save in a 401(k) for 2014 is $17,500 a year, or $23,000 if you're 50 or older. If that's attainable, go for it. If it sounds like a long shot, consider these smaller moves that can help get you to a bigger 401(k) balance.
  • Net Worth Update September 2014 – Nobleea

    Million Dollar Journey
    Guest Blogger
    15 Sep 2014 | 4:30 am
    Welcome to the Million Dollar Journey September 2014 Net Worth Update – Team MDJ edition. A select group of readers were selected to be part of Team MDJ which was conceived after the million dollar net worth milestone was achieved in June 2014. Nobleea was selected as a team member and will post net worth updates on a regular basis. Here is more about him. Profile: Name: nobleea Age: 36 Net Worth: $681,388 Day Job: Engineering supervisor at large oilfield services company, Teacher (wife) Family Income: $145,000 (main job), $30,000 (part time job), $85,000 (wife main job), $10,000 (wife…
 
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    Get Rich Slowly - Personal Finance That Makes Sense.

  • A better way to calculate the value of your time

    Kristin Wong
    18 Sep 2014 | 4:00 am
    This article is by staff writer Kristin Wong. It’s both fascinating and useful to calculate the value of your time. Financial freedom gives you options and flexibility. But without time, that means nothing. Time is a precious resource that we should spend wisely. But you already know this – we’ve written about it quite a bit. Knowing the value of your time is helpful for a variety of reasons: If you’re a freelancer, it can help you decide on gigs. It can help you decide whether a frugal habit is worth it. It might convince you to pay someone to help you with tasks.
  • The link between consumerism, entitlement and ego

    Kristin Wong
    17 Sep 2014 | 4:00 am
    This article is by staff writer Kristin Wong. Earlier this year, I started volunteering at my local library for a couple of hours a week. I’m a big fan of libraries, and I wanted to find a way to give back. And for some odd reason, I felt compelled to do something good. I couldn’t really pinpoint why, so I chalked it up to getting older. At the library, one of my duties is to make sure one of the weekly programs doesn’t go over capacity. Most buildings have occupancy regulations, and the library is no different. I politely tell people, “Sorry, we’re full for…
  • You can learn how to make money investing: Just do it!

    William Cowie
    16 Sep 2014 | 4:00 am
    This article is by staff writer William Cowie. Several readers responded to our “Big Question” post by saying they’d like to see something about investing, and some elaborated that they’d like to see some advice for investing on a small scale. Small in scale obviously means different things to different people — but I’ll relate my experiences, for what it’s worth. My background is in finance and accounting. You’d think having 10 years of college, focusing on business and money, I, sooner or later, would know what I was doing with my money. You…
  • Honey progress report: Homeownership and priorities edition

    Honey Smith
    15 Sep 2014 | 4:00 am
    This post is by staff writer Honey Smith. In May, Jake and I bought a house and moved in. We’ve been loving it so far! People who have always lived in a place with decent structural integrity may not appreciate it, but considering the many problems with our previous rental, it feels like we live in a palace now. At the time of my last post on homeownership, we had about $10,000 in liquid savings. Beefing up our emergency fund even more was on our list of priorities. I was hoping to start saving for that in earnest in 2015. However, a situation arose this weekend that will cause us to…
  • Reader Stories: How to avoid borrowing from your future self

    Linda Vergon
    14 Sep 2014 | 4:00 am
    This reader story comes from Paul.Some reader stories contain general advice; others are examples of how a GRS reader achieved financial success or failure. These stories feature folks with all levels of financial maturity and income.Want to submit your own reader story?Here’s how. I’ve always had what I term a “fluid budget”; that is, I always make sure I have more money coming in than going out and I don’t track every penny (though I have a good idea where everything is going). I’ve never made more than $40,000 a year in my lifetime (I’m 34), but I have always worked…
 
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    Consumerism Commentary

  • Tipping Housekeepers: Whose Responsibility Is It to Pay Hotel Staff?

    Luke Landes
    15 Sep 2014 | 7:35 am
    The prevalence of tipping is simply a fact of society. On several occasions, a friend of mine bemoaned the perceived necessity of tipping a specified amount to restaurant servers while dining out. He would ask the rest of our friends eating together at a restaurant, “When did the expected base tip go from 15 percent to 20 percent?” I’m not concerned so much as when cultural norms like these change, but how they change. Is it regional? Does a trend like this start among a wealthier subset and then trickle down to everyone else? Most everyone who dines out understands that…
  • Reader Question: Where Is My Cash Now?

    Luke Landes
    9 Sep 2014 | 4:27 pm
    If you have any questions for me, I encourage you to go ahead an ask. It’s great to hear from readers, whether it’s to ask a question or challenge me on my opinions. The link to contact me is unfortunately now buried at the very bottom of this website, or you can just click here to send me a message. For financial questions where anonymity might be important, particularly if you have a question about your personal situation and would like me to ask the readers, there is an option to send me a message without providing your personal information. This has come in handy with readers…
  • Why Most Millennials Don’t Have Credit Cards

    Luke Landes
    8 Sep 2014 | 8:54 am
    According to a new survey, 63% of Millennials own no credit cards. For this poll, the Millennial generation is defined as those in the United States aged 18 to 29. The survey, put together by BankRate, attempts to get to the root cause for the lack of penetration of credit cards among this younger demographic, despite the attempts to sell the idea of credit cards to this generation. These attempts mostly come from those older than Millennials. BankRate’s survey points out that each successively older age group is more likely to own multiple credit cards. Instead of credit cards,…
  • 7 Essential Money Ideas for College Freshmen

    Luke Landes
    3 Sep 2014 | 8:00 am
    It was a long time ago, but I remember my first few weeks of college. Twenty years ago last month, I left my home state of New Jersey to live on campus at a neighboring state and to pursue my education degree. I had been away from home before for extended periods of time, but attending college was a new hurdle for me. I was nervous. But before long, I felt at home in my adopted-for-college state and adjusted to the new state of existence well. My financial situation left much to be desired, though, if I had even known that there was something to desire. I had had a bank account for a couple…
  • The Root Cause of Your Financial Problems and the Source of Your Success

    Luke Landes
    2 Sep 2014 | 2:47 pm
    Any person is a product of his or her environment to a significant extent. And because so much of our personality is formed when we are under the age of ten, there’s something to be said for the benefits of being a child within a family situation that has a positive approach to money management — and life beyond just money, but money is the focus of this article. I benefited from parents who put a priority on education. As I progressed through high school, I was encouraged to explore my various passions, as well, even though that contributed to less of a focus on the educational…
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    Forbes - Personal Finance

  • How To Build a Better Breast-Pump

    Anna Bahney
    19 Sep 2014 | 12:59 pm
    They are loud, cumbersome, aggressively uncomfortable, and they can cost as much as $300. Why is the modern breast-pump as clunky as an Oldsmobile Cultass Cruiser but as pricey as a slick smartphone? Someone has got to come up with a better way. That is what a group at MIT?s Media Lab aims to do during a breast-pump hackathon.
  • IRS Issues 401(k) After-Tax Rollover Rules

    Ashlea Ebeling
    19 Sep 2014 | 12:26 pm
    The IRS finally clarifies 401(k) after-tax rollover rules, opening the door to tax-free growth of after-tax dollars rolled into a Roth IRA.
  • 10 Steps To Boost Your 401(k) Balance

    Ashlea Ebeling
    19 Sep 2014 | 12:26 pm
    The maximum amount an individual can save in a 401(k) for 2014 is $17,500 a year, or $23,000 if you're 50 or older. If that's attainable, go for it. If it sounds like a long shot, consider these smaller moves that can help get you to a bigger 401(k) balance.
  • Stay On Track For Retirement The Easy Way

    Mitch Tuchman
    19 Sep 2014 | 12:06 pm
    The big question hanging over the heads of most everyone over 40 is: "Will I ever retire?"
  • The Best Blogs For Teens, College Students, and Young Adults

    Robert Farrington
    19 Sep 2014 | 10:35 am
    The best blogs for teens, college students, and young adults as nominated by members of the money and media community at FinCon14.
 
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    Yahoo News - Latest News & Headlines

  • Purdue shooter sentenced to 65 years

    19 Sep 2014 | 3:41 pm
    Indiana man admitted fatally stabbing, shooting fellow student inside crowded classroom.
  • Duncan slams Jindal's Common Core lawsuit: ‘Do the right thing for children’

    19 Sep 2014 | 10:51 am
    Education Secretary Arne Duncan has hit back at Louisiana Gov. Bobby Jindal for mounting a lawsuit over the Obama administration’s Common Core academic standards, implying that the Republican lawmaker’s opposition to the controversial policy has been driven by his desire to run for president.
  • Russia calls for new MH17 investigation

    19 Sep 2014 | 2:49 pm
    Russia's U.N. ambassador cast doubt on the Netherlands-led investigation into the downing of a Malaysian Airlines jet over eastern Ukraine's rebel territory and called Friday for a new probe assisted by the United Nations.
  • Texas governor orders National Guard to look for dead immigrants

    19 Sep 2014 | 6:25 pm
    By Jim Forsyth SAN ANTONIO (Reuters) - Texas Governor Rick Perry on Friday ordered the Texas National Guard to search for the bodies of undocumented immigrants who have died by the hundreds in a remote part of the state as they attempted to walk to southern cities hundreds of miles (km) away. ...
  • White House anti-assault campaign uses stars, sports to reach campuses

    19 Sep 2014 | 12:03 pm
    By Susan Heavey WASHINGTON (Reuters) - U.S. President Barack Obama and Vice President Joe Biden, who have long talked about the need to curb sexual assault at universities, got some help on Friday from the people many young adults actually listen to: celebrities and athletes. In its latest effort to help college campuses confront the issue, the White House is relying on a combination of the National Collegiate Athletic Association, social media and star power to spread its message aimed at preventing and coping with such assaults. ...
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    My Money Blog

  • US Airways Premier World MasterCard: Limited-Time 40,000 Mile Bonus (Success!)

    Jonathan Ping
    18 Sep 2014 | 7:36 pm
    Update: Successfully got my 40,000 bonus miles. Details following, as I certainly like knowing these things before applying for a card. Applied on 7/14. Approved on 7/21. First statement closed on 8/12, in which I charged $10 and also paid the $89 annual fee. I read some stories about other people making only a single purchase (the minimum technically required) but having to call in about the bonus. Thus, I put on another 4 small charges during the second statement period which ended 9/12 totaling about $49. My 40,000 bonus miles posted 9/13, one day after the closing of my second statement…
  • Viggle App Review: Surprise, You Can’t Make Good Money While Watching TV

    Jonathan Ping
    18 Sep 2014 | 7:30 pm
    Papa John’s sent me a code for a free song download the other day. It was really a way to introduce me to the Viggle, a smartphone app which allows users to “check in” when listening to songs or watching TV shows. Similar to Shazam, the app listens for a few seconds and figures out what is on. When you match a show or song, you get Viggle points that can be redeemed for rewards. For example, you get 25 points for a song match and 60 points for watching a standard hour-long TV show. Certain promoted TV shows will offer bonus points. The standard rewards structure breaks down…
  • Free Rideshare Promo Codes: Uber, Lyft, Flywheel, Gett, Sidecar, Silvercar

    Jonathan Ping
    18 Sep 2014 | 7:25 pm
    Added new Summon app $20 bonus for rides in San Francisco. $20 Flywheel bonus is back. Summoning a car with your smartphone is all the rage. Most of these startups are offering some form of bonus credit for first-time users. If you live in a major metro area, this can quickly add up to a decent amount of free rides. I’ve only used Uber up to now, but it was a very easy experience. Uber – Hail a car, taxi, black car, minivan, and more with your smartphone. Lots of cities. Get $30 off your first ride via this special link or promo code uberMYMONEYBLOG. UberX involves individuals…
  • Discounted Gift Cards: Extra $5 off $100 on Select Brands

    Jonathan Ping
    18 Sep 2014 | 12:03 am
    Update: The code below for existing users has expired, but new customers can still get $5 off $75 using code RAISE75AF. Raise.com sells discounted gift cards to various retailers. Right now until 09/18 at 3 pm CST they have a coupon code 5RAISE100 that will take an extra $5 off $100 order of gift cards from Home Depot, JCPenney, Starbucks, iTunes, CVS, TJ Maxx, Marshalls, HomeGoods and Bed Bath and Beyond. Good for both new and existing customers. I have bought used Home Depot gift cards multiple times. Most sites (including Raise) sell them at very close to a 10% standard discount. Why not…
  • American Express Twitter Promotions (Updated)

    Jonathan Ping
    17 Sep 2014 | 11:47 pm
    Updated with Walmart promo. American Express and Twitter offer unique limited-time discounts for specific stores. You may also be able to access these discounts via the AmEx smartphone app or by logging into your account and scrolling down to the “Offers For You” tab, but I’ve found Twitter to be the most reliably available to everyone with an account. Highlights include: Walmart.com. Get a one-time $5 statement credit by using your connected Card to spend a total of $15 or more online at Walmart.com by 11/30/14. Tweet using #AmexWalmart to add this offer to your connected…
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    The Simple Dollar The Simple Dollar

  • Living Lean Without Being an Outcast

    Trent
    19 Sep 2014 | 7:00 am
    It’s not exactly a secret that the “spend less than you earn” strategy is a little different than how the average American lives their lives. As I’ve quoted many times on The Simple Dollar, 76% of Americans live paycheck to paycheck. Simply by adopting a “spend less than you earn” mindset and sticking with it for even a little while, you put yourself in that 24% minority that doesn’t live paycheck to paycheck. Here’s another way of looking at it. 65% of Americans have a net worth of less than $100,000. With only a year or two of truly…
  • Self-Reliance, Part Three

    Trent
    18 Sep 2014 | 7:00 am
    Six weeks ago, I shared with you the first third of my favorite essay of all time, Self-Reliance by Ralph Waldo Emerson, and three weeks ago, I walked through the middle third of that essay. Self-Reliance has profoundly affected my life in countless ways, and I find myself re-reading it every month or two. Each time I read it, it reveals something new to me, giving me something to think about. The original essay, published in 1841, outlines the value and need for each of us to follow our own path in life, one that relies mostly on our own efforts. It’s a call to do our own thing and to…
  • Eight Strategies for Buying Clothes Without Destroying Your Budget

    Trent
    17 Sep 2014 | 7:00 am
    At our house, I’m the lucky one. I work from home so it doesn’t really matter too much what I wear most days, so I dress for comfort. Almost every day, you’ll find me in blue jeans and a t-shirt. I have some nicer clothes for social occasions and presentations, but those mostly just stay in the closet and are rarely worn. The rest of my family… is a different story. My wife works outside the home and has to dress professionally every day. My children are all in school and while they’re not too picky about clothes, they do have some preferences and we want them to…
  • How to Become Your Own Life Coach with Fourteen Simple Strategies

    Trent
    16 Sep 2014 | 7:00 am
    Over the last few weeks, several readers have written to me asking about the value of hiring a life coach. Usually, these people are struggling with a major life decision or finding it hard to break free of a steady grind that they wish to escape. Life coaches can be incredibly useful if you find yourself in that kind of state. However, much of what a life coach can provide for you are things you can do for yourself. Before we dig into this, let’s take a look at what a life coach actually provides. From Wikipedia: Life coaching draws upon a variety of tools and techniques from other…
  • Questions About Goodwill, Emergency Funds, Library Openings, Cheese, and More!

    Trent
    15 Sep 2014 | 7:00 am
    What’s inside? Here are the questions answered in today’s reader mailbag, boiled down to five word summaries. Click on the number to jump straight down to the question. 1. Roth IRA withdrawal question 2. Buy it for life: Goodwill 3. Year away from down payment 4. Retirement and disability 5. Having “a life”? 6. Making cheese at home 7. Can I afford this house? 8. Ames Public Library opening? 9. How to keep leftovers? 10. Unnecessarily large emergency fund 11. Donating time instead of money 12. Cheap video games 13. Home loan balance challenges 14. SNAP reality 15.
 
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    Wise Bread

  • Best Money Tips: The Pet Edition

    Ashley Jacobs
    19 Sep 2014 | 12:00 pm
    Welcome to Wise Bread's Best Money Tips Roundup! Today we are featuring some of the best articles from around the web about saving on pets. Top 5 Articles 21 Do-It-Yourself Frugal Pet Toy Ideas — Feather cat toys and crinkly chew toys are a couple DIY toys you can make for your pets that...
  • 10 New Beauty Products You Need to Know About

    Nayri Leanna Gregor
    19 Sep 2014 | 10:00 am
    2014 is one hot year for new and innovative beauty products. But lest you hog all the beauty in the world, we've narrowed down the list to these top 10 beauty must-haves. (See also: 24 Places to Buy Inexpensive Natural Beauty Products) 1. The Switch Kit by Amika Finally, a good hair product that's...
  • Best Deals for Friday 09/19

    Amy Lu
    19 Sep 2014 | 9:58 am
    Link for teaser title:  http://www.wisebread.com/bestdeals/today Macy's 5-Day Super Sale: 25-50% off + extra 10-20% off, American Eagle Men's Jeans from $15, Toys "R" Us...
  • Want to Be Happier? Work These 7 Magic Words into Your Vocabulary

    Damian Davila
    19 Sep 2014 | 8:00 am
    It's a sad but true fact: Only one in three Americans say they are very happy. With a tough job market, a hard time getting raises, and a high level of debt, many of us are getting hit with a triple whammy. This means that you need to take action and start working on improving your own happiness. ...
  • The 10 Stupidest Things Smart People Say

    Amanda Meadows
    19 Sep 2014 | 4:00 am
    Have you ever explained something or told a story, only to later think, wow, I must have sounded like an idiot? Even the smartest of us fall into some unexpected speech traps, using crutch words that can only harm one's image. (See also: The 10 Stupidest Things Smart People Do) Here are the 10...
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    Bargaineering

  • How to throw great, yet affordable, football parties

    Dawn Papandrea
    15 Sep 2014 | 12:00 am
    Dawn PapandreaA new season is here that has nothing to do with pumpkin-spiced everything – it’s football season. Every Saturday and Sunday (and Monday and Thursday nights, too) provide a great excuse to get together with friends and root for your team. Or some other team. Does it really matter? Of course your entertainment and recreation [...]How to throw great, yet affordable, football parties from personal finance blog Bargaineering.com. This blog was posted by Dawn Papandrea
  • Smart ways to save money at school without ruining your college fun — or going hungry

    Dawn Papandrea
    8 Sep 2014 | 12:00 am
    Dawn PapandreaDon’t worry – this isn’t going to be one of those posts that tell you you’re a big boy/girl now, and have to stop being irresponsible with money. I won’t tell you to stop buying overpriced lattes, $11 nachos at midnight, or comfy college sweatshirts because those things are largely what college is all about. [...]Smart ways to save money at school without ruining your college fun — or going hungry from personal finance blog Bargaineering.com. This blog was posted by Dawn Papandrea
  • Oh, how I wish I could go back and talk some sense into my free-spending teenaged self

    Alissa Fleck
    1 Sep 2014 | 12:00 am
    Alissa FleckAs a teenager, I looked forward to growing up and leaving home so I could eat all the junk food I wanted. But now that I’ve done that, my perspective has changed. I avoid junk food at all costs. I’ve matured a lot when it comes to money, too. As a kid I dedicated every [...]Oh, how I wish I could go back and talk some sense into my free-spending teenaged self from personal finance blog Bargaineering.com. This blog was posted by Alissa Fleck
  • How to get the most from your auto insurance claim

    Amy Fontinelle
    25 Aug 2014 | 12:00 am
    Amy FontinelleBeing involved in a car accident is scary and stressful. So is dealing with the aftermath. It’s in the insurance company’s best interest to minimize your claim, but you’ll be able to secure a fair settlement with these four tips. Don’t admit fault You typically must file a police report after a car accident. There [...]How to get the most from your auto insurance claim from personal finance blog Bargaineering.com. This blog was posted by Amy Fontinelle
  • ‘Free’ smart phone game is a shameless money suck

    Jen A. Miller
    18 Aug 2014 | 12:00 am
    Jen A. MillerAs always, there’s another scam to separate you from your hard earned money. Only this time, we can stop the madness. The latest money grab comes from none other than Kim Kardashian, who has partnered with Glu Mobile on Kim Kardashian: Hollywood, a smartphone game where users advance by living the celebrity lifestyle. In order [...]‘Free’ smart phone game is a shameless money suck from personal finance blog Bargaineering.com. This blog was posted by Jen A. Miller
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    fivecentnickel.com

  • The End Of Two Buck Chuck?

    William Cowie
    17 Sep 2014 | 1:00 am
    photo: Wikimedia Commons We were at the Seattle airport a few years ago, my wife and I, checking in our baggage at the counter. We had some work to do in Chelan and were on our way back to Denver. As we made our way to the airport, we stopped at a Trader Joe’s to buy a case of their Charles Shaw Merlot. Everyone knows it as Two Buck Chuck because Trader Joe’s sold it for $1.99 a bottle for years in California (where they don’t tax wine). Because we didn’t have any Trader Joe’s stores in Colorado until earlier this year, it was a standard item on our shopping list…
  • 5 Reasons to be Optimistic About the Economy

    Richard Barrington
    15 Sep 2014 | 1:00 am
    I find that defaulting to pessimism about the economy is a great way to hedge your emotional bets. If things turn out well, then I can count it a pleasant surprise. If things turn out badly, at least I have the satisfaction of having been right. Lately though, there have been some cracks in my gloomy facade. I look at economic data every day, and there is so much information that there is bound to be a mix of bad and good. (You can pretty much always spin the economy however you please.) Still, beyond the usual week-to-week gyration of data points, there are a number of trends that seem to…
  • 5 Questions to Ask Yourself Before Considering Homeownership

    FCN Staff
    12 Sep 2014 | 10:48 am
    This post comes from Sean T. Johnston at our partner site Zing! Being a renter has its advantages. For the most part, you don’t need to concern yourself with costly indoor or outdoor maintenance. When your lease is up, you can just leave. You don’t have to worry about selling the property. But as convenient as renting is, you are, in essence, paying someone else’s mortgage. While the responsibilities of being a homeowner are greater, so are the rewards. You can make whatever modifications you’d like without having to worry about a landlord. In addition, there are lots of tax…
  • Meet the Enemy of Retirement Security: Procrastination

    Jeffrey Steele
    10 Sep 2014 | 1:00 am
    Last year, I signed up for a program called “Connections” through my college alma mater. The program is designed to bring a group of the college’s current juniors and seniors to the big city, for a pow-wow with both recent graduates and ancient grads like myself, who work in the students’ prospective career fields. On the day of the confab, a handful of us alumni sat on the dais, facing a dozen fresh-faced undergrads. After we alums painted a verbal picture for the kids of the work world we inhabit on a daily basis, it was time for the question-and-answer session. It…
  • Should You Spend Your Money or Your Time?

    Suba Iyer
    8 Sep 2014 | 1:00 am
    We’ve all heard that time is money. It can mean various things to various people. Over time, if you save and invest, you will have more money. If you waste time, the money you earn will be less. The clock is ticking, and every moment you aren’t earning is money lost. Every moment you aren’t enjoying life is life forever lost. If we spend our time instead of our money, we miss other opportunities. If we spend our money instead of our time, we lose the money. When we first start out in life, we often don’t have a lot of money and don’t have much choice other than…
 
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    AllFinancialMatters

  • 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…
  • The Light at the End of the Tunnel

    JLP
    8 Aug 2014 | 3:35 pm
    Nearly a year ago we found out we were moving. My wife accepted a new position that was too far for her to commute long-term. Unfortunately, our old house was not market ready. We bought the house in 1999. It needed a lot of work then but we were low on funds. In fact, we didn’t do our first major renovation until the Fall of 2007. With that project, we took out a wall between the family room and kitchen, relocated a corner fireplace to a different part of the room, gutted the entire kitchen, installed new custom cabinets and bookcases, and tile throughout the kitchen, family room, and…
  • Quote of the Day from James Allen

    JLP
    27 May 2014 | 7:43 am
    I couldn’t sleep last night, so I got up and did some reading. I read the book, As a Man Thinketh by James Allen. The following quote stood out to me: Here is a man who is wretchedly poor. He is extremely anxious that his surroundings and home comforts should be improved, yet all the time he shirks his work, and considers he is justified in trying to deceive his employer on the ground of the insufficiency of his wages. Such a man does not understand the simplest rudiments of those principles which are the basis of true prosperity, and is not only totally unfitted to rise out of his…
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    Personal Finance Advice

  • McDonald’s Monopoly Rare Game Pieces 2014

    Jeffrey Strain
    19 Sep 2014 | 2:43 pm
    For everyone who anxiously awaits the McDonald’s Monopoly game each year, you’ll be happy to know the game dates have been announced for 2014 (September 30 – October 27). If you like to play this game, there are a few … Continue reading →
  • Doctors Over Prescribe Antibiotics to Kids Helping to Cause Antibiotic Resistence

    Emma Harrison Clark
    18 Sep 2014 | 11:23 pm
    A new study has recently been published which should have doctors double-checking their diagnoses. Between 2001 and 2011, over 11.4 million unnecessary courses of antibiotics were prescribed to children with respiratory conditions like sore throat, ear ache and sinusitis. The … Continue reading →
  • Is Your Artificial Sweetener Contributing to Diabetes?

    Emma Harrison Clark
    18 Sep 2014 | 1:53 pm
    The diet soda saga continues with new research published this week in the Journal Nature. This most recent discovery says that, rather than being a way to fight weight gain, diet soda actually alters our gut microbes which puts some … Continue reading →
  • Misfit Flash Is a $50 Wearable Fitness Band That Links to Your Phone

    Emma Harrison Clark
    17 Sep 2014 | 10:23 am
    Wearable technology expert, Misfit, has come out with a new fitness band to attract newcomers to the world of wearable tech. The Flash fitness band is only $50. It has a long battery life and a series of biometric tracking … Continue reading →
  • Gilead Sciences Strikes Deal to Discount Hepatitis C Drug in Developing Countries

    Emma Harrison Clark
    16 Sep 2014 | 12:41 am
    Some welcome news came yesterday for sufferers of Hepatitis C that live in developing countries. Hep C is a liver disease that can cause cirrhosis and death. It has been proven tricky to cure, with pharmaceutical companies investing decades of … Continue reading →
 
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    millionairemommynextdoor

  • Cheap Baby Toys

    dedits378
    29 Aug 2014 | 8:17 pm
    Waah Waah Waah! The baby is crying again. Have you ever had second thoughts about having had that baby? Maybe you are frustrated because of the new addition to the family. Some people have to juggle between the baby at home and the stress from work outside. Not to mention with the baby comes added expenses. Medical bills, hospital bills, bills for clothes and equipment and you feel so stressed out! Even worse when this is your first born. You got no clue how to handle the baby! Changing diapers becomes a challenge, understanding what the baby is trying to say when she is crying and even…
  • Baby Toys To Stimulate Your Baby

    dedits378
    29 Aug 2014 | 8:11 pm
    We all want the best for our babies. We give them the love they crave, warm their bellies, and rock them to sleep every night. One important factor in becoming a new parent of a baby is providing them with the tools they need to learn, grow, and conquer the world. Baby toys are a very important investment for all parents to make. But what are the right baby toys to purchase for your baby?Baby Toys to Stimulate Hand-Eye CoordinationHand-Eye coordination is the ability to see and grab objects. At the age of four months your baby's hand-eye coordination is beginning to develop. Your baby will…
  • Essential Things You Need When You Have a New Baby

    dedits378
    29 Aug 2014 | 8:09 pm
    Struggling to quiet a fussy baby? The following baby tools may well assist your child (and also you) to feel additional comfortable.Blanket you ought to have usually observed an infant wrapped in material blanket like a cocoon? Practice we usually encounter, specifically in newborn baby infants is, apparently for great cause you understand, because babies are very pleased to be handled like this. Just envision, your infant was inside of her mom womb for months, in a state physique "with folded arms" conferences, with hands and feet that are not no cost to move and he loved this state. With a…
  • Soto Betawi di Gading Serpong

    dedits378
    19 Jul 2014 | 8:11 am
    GADINGSERPONG - menu sup pasti sudah tidak asing di telinga foodies. Makanan Indonesia yang terbuat dari daging dan kaldu sayuran terkenal karena kelezatan. Salah satu menu sup yang cukup populer adalah sup daging sapi. Ingin mencicipi menu, sepertinya Anda perlu datang ke Roxy Restaurant Soto H Darwasa. restoran gading serpong ini terletak di Bolsena komersial, ini adalah cabang pertama dari Soto Roxy H Darwasa. Di restoran Jakarta cukup legendaris, seperti yang telah didirikan sejak tahun 1950 lalu. Tidak hanya usia tua terkenal, restoran gading serpong ini terkenal…
  • Masakan Kepiting

    dedits378
    10 Jul 2014 | 9:00 pm
    Kuliner - Masakan seafood terkenal kelezatannya. Dari sekian banyak korban dari hidangan makanan laut, kepiting adalah salah satu yang menjadi favorit banyak orang. Di balik cangkang keras, daging kepiting memiliki tekstur yang lembut dan lezat. Nah, untuk pecinta makanan pecinta kepiting olahan, ada satu tempat di Gading Serpong yang dapat menjadi tujuan referensi kuliner Anda. Leaf Crab Restaurant nama Jembo. Family restaurant konsep restoran yang memiliki menu andalan yang patut dicoba, daun kepiting jembo terbakar. Sebelum diolah, kepiting bumbu racikan diolesi pilihan pertama. Agar bumbu…
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    Mighty Bargain Hunter

  • It pays to be a reasonable customer

    John Wedding
    17 Sep 2014 | 10:14 pm
    I’m an oddball in a lot of ways.  And I’m on my way tomorrow to rub elbows with a whole bunch of other personal finance oddballs at FinCon14 down in New Orleans. I’m also an oddball because of my feet.  I have a clubfoot.  Thankfully I’ve been able to go for nearly 25 years without any operations, and in the grand scheme it’s a very, very minor problem.  I’ve known people with this problem that would never be able to walk. The small price I pay for my odd feet Around a year ago, I was tagged on Facebook to share seven things about myself.  Since…
  • The one person responsible for your financial decisions

    John Wedding
    13 Sep 2014 | 9:43 pm
    There is no shortage of personal finance advice available. I’ve been known to produce a bit myself here and there. There are recurring themes like “buy vs. rent,” “spend less than you earn,” “the magic of compounding,” and so forth which are the cornerstones of personal finance, saving, and retirement planning. They’re cornerstones because there’s a lot of wisdom behind them. Checklists and more checklists I ran across Richmond Savers today, which is run by a couple of CPAs in my part of the country.  The community is local to…
  • Buy wholesale with a personal supplier network

    John Wedding
    9 Sep 2014 | 12:33 am
    Economies of scale are a wonderful thing.  The more you’re willing to buy from a particular vendor, the better the unit price they’re inclined to give you.  Selling a thousand items a hundred times is a lot more work than selling fifty thousand items twice.  It’s less bookkeeping, less tracking, less shipping, and less labor to sell bigger chunks of your inventory at once. Likewise, businesses buy the materials for their operations in bulk all the time.  It’s part of being competitive, and profitable.  Lower expenses mean that businesses can price more…
  • Frugal, or cheap, or tacky?

    John Wedding
    6 Sep 2014 | 12:31 am
    Saving money, and spending less money, are two crucial activities for people looking to take, and maintain, control of their personal finances. And, as with most things, there are classy ways to go about it, and … less classy ways. On the spectrum of ways to spend less money openly, one can be (in order of decreasing classiness) frugal, cheap, or tacky. Merriam-Webster defines each in context: frugal – Characterized by or reflecting economy in the use of resources. cheap – Stingy; sparing or scant in using, giving, or spending. tacky – Characterized by lack of good…
  • Use money analogies to gain context

    John Wedding
    2 Sep 2014 | 8:59 pm
    Personal finance boils down to recognizing, and acting on, good deals in their proper context. What’s a wise finance decision for one person could easily be a foolish decision for another. In deciding whether something is a good deal, it’s often useful to quantify its cost in terms of something familiar.  While raw amounts like “$500″ do indeed quantify the cost, $500 could mean wildly different things to different people: $500 to the average laborer in Indonesia is nearly a year’s salary. $500 is a bit over two weeks’ pay to someone at the federal poverty…
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    Personal Finance Resources

  • The Financial Markets of India

    Team RupeeManager
    17 Sep 2014 | 7:07 pm
    C B Bhave has a talk on his experiments with truth in the Indian financial market that is a must read. He reflects on his journey in the financial markets. The state of ethical standards and moral behavior in our … Continue reading → The post The Financial Markets of India appeared first on Personal Finance Resources.
  • PPF versus Stocks: Opinions v/s Facts

    Team RupeeManager
    17 Sep 2014 | 2:24 am
    Theoretically, there’s a clear distinction between a fact and an opinion. But in reality, the difference is often blurred. So sometimes opinion becomes my fact! Here’s an example where two different products, PPF and Stocks, are compared and the facts … Continue reading → The post PPF versus Stocks: Opinions v/s Facts appeared first on Personal Finance Resources.
  • I Live Forever; Bad Things Happen to Others!

    Team RupeeManager
    16 Sep 2014 | 9:02 pm
    This is a story of a widow. This is a forward that is indeed worth sharing. Here it goes: Few things I learnt after my husband’s death:- We always believe we will live forever. Bad things always happen to others. … Continue reading → The post I Live Forever; Bad Things Happen to Others! appeared first on Personal Finance Resources.
  • Buying Diesel Cars instead of Petrol: A CRISIL Review

    Team RupeeManager
    16 Sep 2014 | 2:45 am
    CRISIL has put out a research on the economic sense that buying a diesel car makes instead of buying the petrol version. They say that the Diesel cars have been smoking hot in the last couple of years because of … Continue reading → The post Buying Diesel Cars instead of Petrol: A CRISIL Review appeared first on Personal Finance Resources.
  • What is Personal Financial Planning?

    Team RupeeManager
    15 Sep 2014 | 9:16 pm
    Personal financial planning is a rational approach towards planning our life. Personal Finance is not just about number crunching and buying the best available financial product. Personal finance is also about improvement in every area of life. It is about … Continue reading → The post What is Personal Financial Planning? appeared first on Personal Finance Resources.
 
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    My Open Wallet

  • Quicken for Mac 2015

    Madame X
    3 Sep 2014 | 9:15 am
    Finally, Quicken has released an update for Mac users! This is meant to be a full version to replace Quicken for Mac 2007, with more functionality than Quicken Essentials for Mac. Unfortunately, it sounds like Intuit has failed once again to keep Mac users happy. The new software is getting pretty terrible reviews on Amazon. And it's not cheap! $74.95! Even against my better judgment, I was curious to try it because it will sync with a new Quicken iphone app, but I'd be resigning myself to more manual data entry because the Quicken for Mac 2015 doesn't allow import of QIF files, which is all…
  • Airline Seating Prices

    Madame X
    9 Jul 2014 | 6:53 pm
    Travel is just designed to piss people off nowadays. They charge you for food. They charge you for baggage. They charge you for extra legroom. And now they are stooping to a new low: they charge you extra to not be in a middle seat!! To me, this is truly obnoxious. (I am not sure how many airlines are doing this,  but KLM is, and I'm sure others will soon catch on.)If you travel internationally, you will notice that almost half of the total ticket price is a "carrier-imposed international surcharge." I used to travel frequently to London for only $300-400 round trip in the off season.
  • Financial Independence Day

    Madame X
    4 Jul 2014 | 3:27 pm
    Today is the day-- a cold and wet and dreary July 4th, when I should be celebrating the birth of our nation by sunning myself and eating hot dogs but am instead huddled indoors catching up on my finances. And because today is the day I decided to pay attention to 6 months' worth of investment transactions, today is the day I became a millionaire. In truth, it probably happened on a different day, but today is the day I first saw it in my net worth report in Quicken:So I am celebrating financial independence today. Of course, by "financial independence" I don't mean I never have to work again,…
  • How to Invest My Cash

    Madame X
    18 Jun 2014 | 11:02 am
    For the last few months, I have had a very pleasant problem: approximately $150,000 in cash sitting in my savings account. Most of this is from the proceeds of selling my condo, plus a little growth from savings and interest. I have been holding off on any big investment decisions for a while, partly out of pure laziness and partly because there are some possibilities floating around for how to use the money. One thing I might do is buy all or part of some real estate Sweetie owns, as since Sweetie isn't working and I am, there could be some tax benefit to me being the one with the…
  • Great Aunt Minnie Keeps on Giving

    Madame X
    13 Jun 2014 | 8:21 am
    At a family party recently, one of my aunts took me aside to say she had something very important to give to my sister and me. This was the aunt for was the executor of Great Aunt Minnie's estate. And sure enough, there turned out to be some additional inheritance funds coming to us! My aunt had finally rolled all the coins that Minnie had kept in a jar, and after taking them to the bank, there must have been about $30. My aunt handed me a little envelope with my sister's and my name on it, and inside there were two silver dollars (the old ones with JFK in them) and 3 dollar bills. My sister…
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    Lazy Man and Money

  • Budgeting for the Next Television Revolution

    Lazy Man
    19 Sep 2014 | 5:15 am
    When I started this blog in 2006, I was an early adopter of flat-screen televisions. Most personal finance bloggers seemed to be against such purchases. Even in 2007, when I mentioned that they can save space in your home I had to go "Suze Orman" on readers writing that they need to be sure if they can afford it. Today, it's hard to find a television that is not a flat-screen. That's great progress in less than a decade. You might think that the days of consumer running out to buy expensive televisions is over. I don't think so. In the next couple of years I think history is going to repeat…
  • About that Retiree Next Door…

    Lazy Man
    18 Sep 2014 | 6:00 am
    The Retiree Next Door by Money Tips A new company by the name Money Tips had an idea to survey 500 "successful" retirees to get an idea of what works. Like any survey, the results are a pile of statistics. I love statistics... enough so that I've been in baseball fantasy leagues of fake computer generated players playing with statistics. If that sounds weird, it is because it is weird. So when I Money Tips contacted me about this I heard, "Stats, Stats, stats..." A couple of emails later later and it seems that I agreed to write an article on a book that I haven't read. No matter. I've got…
  • Analyzing Coverdell ESA vs. 529 Plans

    Lazy Man
    17 Sep 2014 | 9:05 am
    Back in 2007, I wanted to gift some money to my newborn nephew. Rather than make it a one time thing, I wanted to contribute to it over the years. I am proud to say that the small contributions and the growth of the stock market have him, and his little sister lined up with almost $2000 each. It's one thing to write about how small contributions over this time add up, it is another thing to experience it in person. I didn't want to gift the money have it be blown on Transformers and bubble gum. I wanted to give them money towards and education. This meant looking into various vehicles such as…
  • Calculating Your Ever Shrinking Social Security Checks

    Lazy Man
    16 Sep 2014 | 7:30 am
    For more than a decade now, it's almost been a foregone conclusion amongst the young people in the United States that Social Security will not exist for them. A more thorough analysis shows that even if the reserves were to run out, there would still be money coming into the system and hence there would be money to pay out. The question then becomes: How much money would there be to pull out? For a long time, I considered it one of those nebulous questions that can't really be answered such as, "When can I retire?" In many ways it is, as many factors come into play. I'm nearly 30 years away…
  • Behavioral Finance: Good or Bad

    Lazy Man
    15 Sep 2014 | 5:15 am
    A couple of weeks ago I asked Are Roth 401(k)s and Roth TSPs Better? in response to an article in Money Magazine. I attempted to give an answer in part 2 the following day. The argument was complex and worth reviewing those posts for more detail, here's the shortest version I give. Because many people simply put a percentage of their salary (say 6%) in a retirement account, it is better to got with a Roth 401(k) over a traditional one... you'll end up with more money in most scenarios. Mathematically, I still don't fully grasp it. However, at the time it was explained to me, it made sense.
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    No Credit Needed

  • 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. Vinyl…
  • My DIY Adventures

    NCN
    20 Aug 2014 | 6:11 pm
    Over the past few years, I’ve worked to improve my DIY skills.  Here are a few of the projects I’ve tackled – with an eye towards saving money and doing it myself. I replaced the garbage disposal below our kitchen sink.  This project was relatively simple.  I worried a little bit about the electrical connection, but I figured it out.  The disposal connects to the bottom of the sink via a special bracket and connects to the dishwasher via a long hose.  Prior to disconnecting the old disposal, I snapped several pictures of its various connections.  When connecting the…
  • I Still Buy Stuff I Do Not Need

    NCN
    2 Jul 2014 | 4:31 am
    I have been writing about personal finance (as in, my own) for nearly a decade.  In that time, I’ve had some financial success – paying off my consumer debt, purchasing a new home – and some blogging success – mentioned in the New York Times, interviewed on television and on radio – but the truth is: I still buy stuff I do not need. I also use unnecessary dashes and commas when I write, but that’s a topic for another day. Convenience Items – I am a sucker for anything that makes life easier.  I tend to spend too much on convenience items –…
  • Fight For Your Independence And Get Out Of Debt

    NCN
    1 Jul 2014 | 4:30 am
    Let’s not wait until January 1st to focus on getting out of debt.  It’s July – It’s time.  Fight for your independence-  and get out of debt, today! No doubt, a little dramatic, but you get the point.  Today is the day to start planning for tomorrow.  Here’s how I paid off my consumer debt – including credit cards and an automobile loan – plus some tips and tricks I’ve learned along the way. Stop Borrowing – This is the key, first step.  Put the credit card in the wallet, and stop using it.  You don’t have to cut it up, or…
  • How To Stay Motivated While Getting Out Of Debt

    NCN
    30 Jun 2014 | 4:30 am
    Let’s be real.  The idea of getting out of debt sounds awesome.  The day-to-day grind of getting out of debt… not so much. Here’s how to stay motivated while getting out of debt - Celebrate Your Progress – Check those numbers and get excited about the amount of debt you have already paid off!  For our family, we are working to pay off our mortgage (update this week!) – and while our progress has been a little slower than we had hoped – we are 1/4 of the way there!  It’s super-motivating to see just how far we have come. Connect With Others –…
 
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    bostongalsopenwallet

  • Cara mudah melacak nomor Handphone seseorang

    Kitaa Bersamaa
    29 Aug 2014 | 8:17 am
    Selamat malam sobh, kali ini saya akan share tentang, Bagaimana caranya melacak nomor Hp seseorang tanpa harus mengeluarkan biaya sepecerpun, karena cara ini dijamin 100 Persen berhasil sobh, mengapa saya bilang berhasil? ya... karena cara ini sudah saya coba sebelumya, dan bagi anda yang ingin melacak nomor Hp seseorang dengan mudah silakan langsung saja pergi kesumbernya, semoga bermanfaat ya.Sumber - http://www.fikrisuka.com/2014/08/cara-melacak-lokasi-nomor-handphone-terbaru.html
  • Tips Komputer Dan Trik bermain komputer serta merawatnya

    Kitaa Bersamaa
    21 Aug 2014 | 8:09 am
    Disini saya akan berbagi Informasi blog terbaik yang pernah saya temui, dan ini bukan hanya satu-satunya di Indonesia, disini anda bisa belajar komputer, merawat komputer, dan menjaga komputer agar bisa awet atau tahan lama. Dibawah ini adalah daftar semua postingan dari blog tersebut yaitu MULTI AJAIBMemuat...▶ Accordion TOCSemoga dengan ini bisa membuat anda lebih baik dan lebih memahami cara merawat komputer, bermain komputer dengan baik, sampai-sampai bisa menghasilkan uang dari komputer atau dengan cara Bisnis Online
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    Free From Broke

  • How to Start an Emergency Fund – It’s Not That Hard!

    Glen Craig
    15 Sep 2014 | 8:24 am
    One of the best things you can do for your personal economy is to start an emergency fund. Your emergency fund can help protect you against financial setbacks, since it provides you with a little extra cushion to draw on.  Rather than turning to debt, you can use money in your emergency fund to cover unexpected costs. Experts recommend that you save at least six months’ worth of expenses in an emergency fund.  So, if you spend $3,000 a month, you need to have $18,000 in an emergency fund. Notice here that I’m talking about expenses and not income here.  What you need to save in…
  • Is Your Money Mindset Killing Your Finances?

    Melissa
    12 Sep 2014 | 2:47 am
    Millions of Americans are struggling to pay their bills and meet their financial obligations.  The last eight years have taken a toll on Americans economically, and many are still feeling the financial repercussions.  According to one study, indebted Americans owe $14,517 on credit cards on average (Forbes). But how much they owe isn’t the only problem. The other half of that equation is how much they’re saving. . .or not. According to TIME, only 1/3 of Americans have at least $1,000 saved in an emergency fund.  Of course, logically, if they’re not saving for the short…
  • Why Do I Need Life Insurance and How Much Should I Buy?

    Glen Craig
    9 Sep 2014 | 3:04 am
    I think it’s safe to say most people don’t like the idea of thinking about life insurance. It’s a reminder that, after all, we’re mortal and one day we won’t be around anymore.  In fact the subject bothers some people so much that they don’t even look into getting life insurance. But you won’t do that, will you? To help make getting life insurance easier for you I’m going to tackle a couple of common questions when considering life insurance — why do i need life insurance and how much should I buy? When Most People Start Thinking About Life Insurance Life insurance isn’t…
  • What Should You Do With a Cash Windfall?

    Glen Craig
    5 Sep 2014 | 3:25 am
    Quick—if you got a serious cash windfall what would you do with it? What’s a serious cash windfall?  That number is different for everyone but I think any amount that would make a significant dent in your life (or more).  I’m thinking an amount starting at $1,000 and going up from there. It’s fun to think about this question, not the least of which since windfalls do happen, at least from time to time.  And when they do come, it never hurts to have some ideas or a plan for what you’d do with it.  This way when the money comes you can act rationally.  A cash…
  • Setting Up Your New Freshman: How to Decorate Your Dorm Room for Less

    Melissa
    2 Sep 2014 | 5:31 am
    There are very few rites of passage bigger than the day a grown child moves out of the house and onto the college campus.  This is the child’s first major step toward adulthood and independence, and it can be an exciting time for both parents and children. What is not so exciting is the expense of setting up new living quarters. Whether college students live in the dorm or in an apartment, getting settled can cost a pretty penny.  However, there are ways to curb those costs. 12+ Money Saving Tips to Furnish Your Dorm Room for Less You Don’t Need Brand New Furnishings Moving…
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    Blogging Away Debt

  • Debt Repayment: Ashley’s 6-Month Reflections

    Ashley
    19 Sep 2014 | 11:00 am
    It’s been 6 months since I started the concerted effort to pay down debt ASAP (truth be told, we had already been paying down debt prior to this, but at a much more relaxed pace). In some regards it feels like it has been much longer than 6 months, but in others it feels as though this journey has only just begun! I’m hugely proud of the progress I’ve made. I’ve mentioned before that in January 2014 I made a list of goals for the year and one of the goals was to have my credit card debt paid in full. Not only is that goal accomplished, but it was accomplished months ago, only 3 months…
  • Debt Update – September, 2014 – Hope

    Hope
    19 Sep 2014 | 3:00 am
    Well, it’s been a while since I did a debt update.  And while I haven’t made a bunch of progress there have been some tiny steps…so here’s where I’m at as of today. Debt NameCurrent BalanceInterest RateMin. Mo. PymtPriority OrderEst. Payoff Checking Account$7410%$01Nov, 2014 Credit Card - Retail$3,22325.99%$992Jul, 2015 Credit Card - Consumer$504313.90%$1053Jan, 2016 Student Loan$32,5102.875%$04Sept, 2019 Car Loan - Accord$1,9000%$05Nov, 2019 Car Loan - NV$29,4046.79%$6966Oct, 2018 Some notes: Student loans are in deferment and I’m hoping to get approval…
  • It’s So Quiet

    Hope
    17 Sep 2014 | 9:45 am
    The music has stopped. And I’m so sad about that.  If you will remember last spring I wrote about how important I felt my kids music lessons were. I still agree with that post wholeheartedly; however, with the reality of moving to a much smaller space and with the eye on the prize of getting out of debt, some things had to give and go.  So with our garage sale the full size drum set was sold and the full size keyboard was sold.  We held on to the guitar, figuring it would fit under a bed somewhere and the practice drum pad and one set of sticks, again, something small. In general the…
  • Moving Update – One Week Away

    Hope
    17 Sep 2014 | 3:00 am
    Exactly one week from today we will be moving into our new space…cutting down from 1800 sq ft to 900 sq ft.  I am SO PROUD of how well my kids have gotten on board with this move and the minimizing and purging we have been doing over the last six weeks since this move became a reality.  So here’s where we are at today, one week from move day. Little Gymnast and Princess rooms are completely empty.  They have moved into my room, just as we will be living in the apartment.  We have a king size bed and a twin mattress on the floor.  (At this time, I am also taking a double…
  • Barter Win – Homeschool Tuition

    Hope
    16 Sep 2014 | 3:00 am
    Sorry, I was MIA last week.  I woke up last Wednesday just simply overwhelmed at the amount of work I/we still had to get done and facing working both jobs plus approximately 3 hours in the car with kid chauffeuring duties.  I made an executive decision and called in to my part time job and then got all the kids up super early and got down to business.  That day turned the corner for me in terms of this move and now I’m in a much better place mentally!  There is definitely something to be said for “mental health” days, that’s for sure. So moving past that I wanted…
 
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    Clever Dude Personal Finance & Money

  • Clever Posts Of The week – September 19th

    Brock
    19 Sep 2014 | 5:38 am
    It’s supposed to be a beautiful weekend here in the Midwest, so time to get some outside projects done.  One of those projects will be to mow and trim the lawn and then put down the fall application of fertilizer.  I had contemplated hiring a service this year as my yard was looking a bit ragged at the end of last season, but I’m glad I decided to stick it out on my own.  I’ve consistently watered and fertilized it exactly as recommended and it’s paid off.  Looking forward to it being even better next year when I’ll continue to go the DIY route and save some…
  • Do You Understand Your Medical Insurance Explanation Of Benefits Statements?

    Brock
    17 Sep 2014 | 4:44 am
    Image courtesy of Baitong333 at FreeDigitalPhotos.net “We gotta go to the doctor,” my wife said as she hung up the phone. The phone call had been from my sister-in-law, who’s family had stayed with us the previous weekend, informing us that their daughter had head lice. We piled the family into the van and quickly drove to our primary care provider, making our way into the office just a few minutes before closing. The doctor snapped on some rubber gloves and checked us over. We breathed a sigh of relief as she stated she didn’t find anything on us. She did give us a list of…
  • Are You Protected Against A Lost or Stolen Cell Phone?

    Brock
    15 Sep 2014 | 4:32 am
    Image courtesy of stockimages at FreeDigitalPhotos.net I thought I was going to have to drop some serious money last Friday, as I spent most of the morning frantically searching for my lost cell phone. It was frustrating because I know I took it with me to work, and before I noticed I didn’t have it, I visited my office and two other places all physically within 30 feet of each other. I ripped my office apart, searched the meeting room, and visited my coworker’s office countless times hoping that eventually something would trigger my memory and lead me to a device that had access to my…
  • Clever Posts Of The Week – September 12th

    Brock
    12 Sep 2014 | 9:44 am
    Well,  my day isn’t off to a very good start – somehow I managed to lose my cell phone at work and it’s on silent so (assuming it wasn’t actually stolen) it’s going to be difficult to find.  Well, at least we have awesome blog posts to read….. Are Cheeseburgers Worth As Much As Babies? from Money Beagle 6 Reasons Why Your Neighbors Have More Money Than You from On Better Terms 6 Things You Need to Know About Making a Will from Modest Money Stay on track with bringing your lunch to work from Prairie Eco Thrifter An Early Retirement Story – Part 1 from…
  • Would You Buy Expired Food To Save Money?

    Brock
    10 Sep 2014 | 2:00 am
    It happens to me frequently. I pull out a loaf of bread, or what’s left of a gallon of milk only to find the expiration date has passed. I visually inspect whatever it is I’m holding, then give it a good sniff. If it passes those two tests, what I do next really depends upon it’s purpose. If it’s for my wife, I don’t use it. Ever. If she finds out I gave her expired food she mystically and immediately doesn’t feel well. If it’s for me, down the hatch it goes. But is it safe to consume expired food? I saw a story on the morning news this week that gave…
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    Don't Mess With Taxes

  • Avast, me hearties! The IRS wants its cut of your illegal income, be it pirated or otherwise criminally obtained

    skbell1
    19 Sep 2014 | 4:49 am
    Yo ho, all ye salty sea dogs and scalawags. Just a quick reminder on this annual Talk Like a Pirate Day that ill-gotten gains, including but not limited to pillaged pirate loot, are taxable. I suspect that Andrew McCutchen, Pittsburgh Pirates outfielder and 2013 MLB National League MVP, and his crew of sports team buccaneer mascots will escape Internal Revenue Service scrutiny for their plundering of ESPN's lox. But look out all ye other crooks, both landlubbing and on the high seas. Don't try to show your heels to the IRS. It was, after all, the federal tax man who was responsible…
  • IRS says cats and dogs can't be corporate officers

    skbell1
    18 Sep 2014 | 3:39 pm
    Yes, we know you love your pet as a family member. And yes, we know your animal is the smartest furry creature in the word. But no, your cat or dog is not talented enough to run a company that you created. That, however, is what a Colorado couple tried. Now they're paying the price. Cat and dog years of tax evasion: Two years ago, Mathew and Sandra Zuckerman of Woody Creek, Colo., were indicted for a variety of alleged schemes to defraud the Internal Revenue Service. Earlier this year, the couple entered guilty pleas in connection with some of the federal tax charges. Mr. Zuckerman, 70,…
  • Private and often untaxed home rentals under fire

    skbell1
    17 Sep 2014 | 3:07 pm
    It's a crazy day. I'm trying to get a lot of stuff done before I head off to New Orleans tomorrow for FinCon14, the annual conference for personal finance bloggers. By this time tomorrow, I'll be at the hotel that's hosting the get-together. It's handy to stay on premises. Plus I like room service and a chance to sample premium television channels we don't get at home. A lot of folks, however, whether they travel for business or pleasure (or a combination!), prefer smaller, independent accommodations. Many also look for a homier experience and stay in personal…
  • Spousal abuse: physical, financial and tax-related

    skbell1
    16 Sep 2014 | 1:45 pm
    He who controls the purse strings makes the rules. Although this popular quote uses "he" in the general, universal sense to make a money point, the pronoun is the operative word in most domestic violence cases.  Not to get all wild-eyed feminist, but as the recent spousal abuse cases in the National Football League have underscored, women generally are the victims when relationships take a physical turn for the worse. No money, continued abuse: In addition to physical violence, abused spouses and partners also often face financial abuse. The spouse or partner who makes the most…
  • Amounts you'll need to calculate your estimated tax payments

    skbell1
    15 Sep 2014 | 9:44 am
    It's deadline day for payers of estimated tax. The third installment of these four extra tax filings/payments each each year is due today, Sept. 15. This third 1040-ES payment covers money you got but didn't pay withholding taxes on between June 1 and Aug. 31. Those three months and today's third estimated tax deadline earn 3 the latest By the Numbers honor. But there are other figures that come into account as you figure your estimated tax payments. Amounts used to figure estimated tax: The biggie is your expected adjusted gross income, or AGI, for the year. This includes…
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    Money Smart Life

  • Would You Take a Career Sabbatical?

    Miranda
    15 Sep 2014 | 6:00 am
    In the last few years, there has been a lot of attention given to the idea of lifestyle design. As part of this attention, more people are taking career sabbaticals or embarking on “mini retirements.” The idea is that you don’t have to work for thirty or forty years, only to try and retire for another twenty or thirty years, while your health might be in decline. Instead, the idea is to work for a few years, and then take extended time off for a year or two before going back to work. To a certain extent, this is something that has been somewhat common in the academic world.
  • How To Live With No Regrets

    Ben Edwards
    10 Sep 2014 | 8:48 am
    If you had to summarize everything you know about money into one sentence, could you do it? Just a few months ago I wouldn’t have been able to but now I can. In fact I can boil it down into just two words – No Regrets If you’re a stickler for finance I know you may not agree with this tip. I can understand why you might read it with some skepticism. Until this last May I would have felt the same way about what I am going to say. In fact, part of me thinks I shouldn’t even waste your time trying to convince you of its importance. As a parent, I’ve seen how people…
  • Are You Spending Enough Time Planning Your Retirement?

    Miranda
    8 Sep 2014 | 8:12 pm
    Not too long ago, I read an article on CNN Money reporting on a survey from Charles Schwab. The results indicate that most workers spend more time researching vacations and car purchases than they do retirement. It’s true that researching the investment options for a 401(k) or other employer-sponsored plan can be a daunting task. However, since your retirement is something that is likely to last two or three decades, it makes sense that you should spend more time researching it than you do your next vacation. According to the survey, though, 39 percent of respondents spent five hours or…
  • How Income Diversity Can Help During a Job Loss

    Miranda
    1 Sep 2014 | 6:00 am
    The loss of a job can be one of the most challenging events you will face. A job loss affects your finances on every level. And, due to the fact that the economy is making a significant shift, it’s important to realize that a job loss is an increasing possibility. Gone are the days when you could get a job and expect to have it for two or three decades before retiring. These days, the new economy focuses on jobs that are much more temporary. You are likely to change jobs several times throughout your life, and some of those changes may not be voluntary. In order to prepare for these…
  • What To Do With Your Investments After a Layoff

    Kevin Mercadante
    25 Aug 2014 | 1:36 pm
    If you’ve been laid off, but you were working with your previous employer for number of years, you probably accumulated a good chunk of money in your employer-sponsored retirement plan. And hopefully, you’ve also got some promising investments outside of your retirement plan. When you lose your job, and the search for ways to pay the bills is on, all options are on the table – including your investments. There’s no question about it, a layoff forces some tough choices when it comes to your investments. You have to make choices about current needs versus long-term savings plans. In…
 
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    MoneyNing

  • Is Amazon Prime Worth It?

    Jessica Sommerfield
    19 Sep 2014 | 5:00 am
    We’ve been Amazon Prime members for the last few years, and for the most part, it’s made financial sense for us. We make plenty of purchases on Amazon, and when Christmas time comes, the two-day free shipping it includes is amazing for last-minute shopping. At $79 per year (under $7 a month), Prime is reasonable for anyone who would ordinarily spend that much per month on shipping costs — especially because membership includes thousands of free streaming media titles (similar to Netflix) and roughly 500,000 free Kindle ebooks. So if you shop on Amazon frequently, enjoy…
  • 3 Reasons Cash Is Still King (to Me)

    Travis Pizel
    18 Sep 2014 | 5:00 am
    More and more people are using credit and debit cards for rewards, insurance, and convenience. Another MoneyNing blogger even asked if carrying large amounts of cash was outdated. But to me, cash is still king. I should qualify my statement, since I do pay all my monthly bills electronically. What I’m really talking about is our discretionary spending. In our budget, discretionary/entertainment spending is just another bill — which we pay weekly by withdrawing our allocated amount from the ATM each Friday afternoon. My wallet is fat and my smile wide; the bulge in my back pocket…
  • 5 Tips for Building a Fabulous Wardrobe on a Tight Budget

    Alexa Mason
    17 Sep 2014 | 5:00 am
    I’ve had a love-hate relationship with clothing for most of my life. In my younger years, I used to love clothes. I’d buy whatever struck my fancy, regardless of the cost. As I got older, I started wearing jeans, t-shirts, and boots. I never shopped for new clothes, and had no desire to. The thought of spending my hard-earned money on new clothes was repulsive. Then I got a job as an insurance agent and had to start dressing more professionally. At first, leaving my comfy jeans and t-shirts was awkward — but after a while, I began to gain a sense of confidence from wearing nicer…
  • On Learning to Love Dividend Investing

    Miranda Marquit
    16 Sep 2014 | 5:00 am
    One of the things I’ve wanted to do for a long time is start a dividend portfolio. I like the idea of building a dividend portfolio that can (eventually) provide me with a revenue stream and increase my income diversity. However, one of the challenges to dividend investing is the fact that dividends build up slowly. You only receive a few cents per share, so it can be discouraging if you start out with a small amount of shares. During the past year, though, I’ve been part of an investing challenge. Along with several other bloggers, I’m seeing what I can do with $1,000. I…
  • Are These 6 Small Mistakes Ruining Your Budget?

    Allison Martin
    15 Sep 2014 | 5:00 am
    Have you ever spent hours working on your finances and spending plan, only to come up short month after month? Following a budget isn’t as simple as it seems; if it were, everyone would have one and live within their means. The key to developing a workable spending plan is identifying and eliminating the loopholes that are hindering you. Here are some minor mistakes that may be destroying your budget: 6 Common Budget Mistakes 1. You don’t list goals When starting out, it’s extremely difficult to stay on track if you have nothing to look forward to. There’s no logic to conforming…
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    Money Blue Book

  • Today, scandalous celebrity photos. Tomorrow, your financial records?

    11 Sep 2014 | 3:12 pm
    Can you believe it? If Jennifer Lawrence, Rhianna and other A-listers are vulnerable to major thefts of information like the high-profile leak perpetrated in August, wouldn't it be just as easy to swipe personal data from all of us regular people? For anyone who uses online savings accounts or perso [...]
  • Today, scandalous celebrity photos. Tomorrow, your financial records?

    11 Sep 2014 | 2:41 pm
    Can you believe it? If Jennifer Lawrence, Rhianna and other A-listers are vulnerable to major thefts of information like the high-profile leak perpetrated in August, wouldn't it be just as easy to swipe personal data from all of us regular people? For anyone who uses online savings accounts or perso [...]
  • How separate finances can work for married couples

    3 Sep 2014 | 2:03 pm
    Generally, the expectation when a couple says "I do" is that one of the first financial tasks they will handle is to switch to joint accounts. However, joint finances are not mandatory and may not work for everyone. Here are some things married couples should keep in mind when considering maintaini [...]
  • New credit score rules: Will you benefit?

    29 Aug 2014 | 3:05 pm
    If your credit score's less than perfect, this could be the most cheerful thing you're going to read all day. That's because FICO, the company whose scoring systems are used in 90 percent of all lending decisions, and two of the three major credit bureaus are making changes that might give your scor [...]
  • Is there a financial literacy crisis among US teens?

    12 Aug 2014 | 2:05 pm
    In what might seem like a dispatch from the Tell-Me-Something-I-Don't-Know Department, the National Center for Education Statistics (NCES) released data last month that indicate American teenagers have a below-average grasp of personal finance for their age. The NCES study, known as the Program for [...]
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    treesfullofmoney.com

  • Does It Ever Make Sense to Buy an Extended Warranty

    Ben
    9 Sep 2014 | 7:00 am
    Nothing in life is free. This is especially true when it comes to extended warranties and insurance policies for common purchases such as automobiles, appliances, consumer electronics and other household products. One way or another, businesses will find a way to line their pockets whether you pay for it upfront or down the road. To help you decide if purchasing an extended warranty is a good idea, I’ve created this simple guide.  Be sure to read my detailed report below as well. Standard Warranties vs Extended Warranties Almost every manufacturer offers some sort of initial warranty…
  • How to Agree with Your Spouse About Money

    Ben
    4 Sep 2014 | 7:00 am
    According to a 2013 study by Kansas State University Researcher Sonya Britt, arguments about money (especially early on in a relationship) are the number 1 predictor that a marriage will end in a divorce. If you’re serious about paying down your debt and moving towards financial independence, your biggest challenge may not be the interest rates on your credit cards…it might be your boyfriend, girlfriend, fiance or spouse! Whether you’re just starting out in a relationship, or you and your partner have been together for a while, here are a few tips to help ensure this area of…
  • You Can’t Get Ahead Until You Stop Borrowing Money

    Ben
    2 Sep 2014 | 11:53 am
    In a perfect world, we’d be able to pay cash for everything and we’d never have to worry about debt.  Unfortunately, the world is not perfect and most of us end up borrowing money at some point or another to make ends meet or “improve” our standard of living. However, with the exception of buying a house, affording medical expenses and [maybe] paying for college, most of the things we borrow money for could likely be bought with cash if we spend just a little bit of time going through our finances and prioritizing what’s important. If you simply can’t…
  • 5 Simple Things You Can Do Today to be Better Off Financially

    Ben
    1 Sep 2014 | 7:35 am
    Let’s be honest. When it comes to conversations about personal finance and getting ahead, most people just roll their eyes and move on. As individuals, we don’t care about our financial future when we can get instant gratification NOW. If you’ve been reluctant to start taking control of your finances like we were, then here are 5 simple things you can do right now to get started. 1) Keep Track of Your Spending: If you’re not tracking your daily expenses in a checkbook registry or computer based program, you’re treading in very dangerous waters.  With online bank…
  • California to Ban Single Use Plastic Bags – MEME

    Ben
    31 Aug 2014 | 3:55 pm
    No matter how hard I try, I can never remember to bring my reusable grocery bags to the grocery store! This meme pretty much captures how I feel.
 
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    The Dough Roller

  • Reader Question: Does Applying for a Balance Transfer Card Hurt Your Credit?

    Rob Berger
    18 Sep 2014 | 5:18 am
    A podcast listener named Jennifer emailed me about balance transfer credit cards and her credit score. She plans to apply for a home equity line of credit soon and is concerned that getting a card before then could lower her FICO score. Here’s Jennifer’s email: I have started listening to your 31 day money challenge podcasts in the hopes of helping me get out of debt. I have a few follow up questions pertaining to my specific situation. . . . I was interested in a 0% balance transfer but another thing to take into consideration, we live in an old home and have been planning on…
  • DR 106: 8 Black Belt Budgeting Tips

    Rob Berger
    13 Sep 2014 | 6:54 am
    It’s not an overstatement to say that budgeting is the foundation upon which all lasting wealth is built. That’s true whether you make $40,000 a year as a teacher or $40 million a year as an entertainer. If your cash flow is well managed, you can build wealth on any income. If it’s not well managed, you go broke on any income. Budgeting and I have a long and sordid history. I’ve started and stopped more budgets than I can remember. I’ve struggled with planning for unexpected expenses. I’ve used pen and paper, spreadsheets, Mint.com, Quicken for the PC,…
  • DR 105: The 5-Year Roth IRA Rule for Contributions (breaking the rule is costly)

    Rob Berger
    9 Sep 2014 | 7:30 am
    The Roth IRA was established by the Taxpayer Relief Act of 1997 and named after its chief legislative sponsor, Senator William Roth of Delaware. The Roth IRA enables individuals with earned income to contribute after-tax (nondeductible) money to the retirement account. If the rules are followed, the money grows tax free. Unlike a traditional IRA, qualified withdrawals from a Roth IRA do not incur tax liability. Like much of our tax code, however, the Roth IRA rules are complicated. One wrong move can cost a retirement saver thousands of dollars in unnecessary taxes and penalties. One such…
  • DR 104: Rags to Riches and Back Again–Interview with Million Bucks by 30 Author Alan Corey

    Rob Berger
    6 Sep 2014 | 8:19 am
    Is it possible to build $1 million in net worth in 10 years starting from scratch? In today’s interview with Alan Corey, author of A Million Bucks By 30, we’ll learn exactly how one man did it. I learned about Alan and his book from a listener named Natalie, who I had the pleasure of interviewing for podcast 87. Natalie is the one who graduated form college debt-free, paid cash for a car, and bought her first home just out of college. During the show, she mentioned that A Million Bucks By 30 is a book she’d recommend. I bought the book, read it, and liked it. So I emailed…
  • DR 103: The Small Business 401k–Interview with CEO Chad Parks of The Online 401(k)

    Rob Berger
    5 Sep 2014 | 6:03 am
    If you’re a small business owner – whether you have employees or not – the thought of setting up a retirement plan can be overwhelming. 401ks and even SEP-IRAs are swimming in rules and regulations. What business owner really has enough hours in the day to deal with it? For that reason, I asked Chad Parks to join me on the Dough Roller Money Podcast. Chad is the President and CEO of The Online 401(k). His business specializes in creating retirement savings solutions for small business owners and the self-employed. Topics Covered in the Interview How The Online 401(k) Got…
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    Moolanomy Personal Finance

  • Best Banks with the Highest Interest Rate for Savings Account

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

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

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

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

    Miranda Marquit
    17 Dec 2013 | 5:00 am
    No matter how much solid financial planning we put in, life cannot be reduced down to complete predictability. Indeed, there are always unexpected expenses, large and small, that can crop up. And, you never know when […] Read Another Article: Start an Emergency Fund or Pay Off Debt? Alternatives to Savings Accounts: CDs and Money Market Accounts Save Up an Emergency Fund How to Avoid a Personal Debt Crisis Easy Ways to Save Money Without Much Effort Read the rest of How Big Should an Emergency Fund Be? at Moolanomy.com.
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    Hustler Money Blog

  • Best Cash Back Shopping Stores, September 2014

    Hu$tler
    19 Sep 2014 | 9:19 am
    Here at HustlerMoneyBlog, I want to help you find the absolutely lowest price on all items with maximum cash back. You can get maximum cash back by becoming a member from the list of cash back programs below. These Cash back sites give you cash back as high as 25% when you make a purchase from a variety of stores such as Sears, Ebay, Walmart, Home Depot, Barnes & Noble, BestBuy, and many more. Mr. Rebates – By far our favorite cash back site! mrrebates.com($5 sign up bonus) has cash back offers of up to 30% from almost 2,000 retailers such as Best Buy, Staples, Overstock, and Dell…
  • Webster Bank $100 Checking Account Bonus

    Hu$tler
    17 Sep 2014 | 6:18 pm
    For residents of Connecticut, Rhode Island, Massachusetts, and New York, you can now apply for this Webster Bank $100 checking account bonus until November 3, 2014 when you apply to their Webster Premier Checking account. The bonus has four tiers: $50 for Webster Checking $50 for Webster Value Checking $75 for WebsterOne Relationship Checking $100 for Webster Premier Checking To earn your $100 bonus, you must set up direct deposit OR make 10 debit transactions with PIN or signature OR make 5 online bill payments. Qualifying transactions must be completed by 11/14/2014. Capital One 360: Earn…
  • AT&T $10 AutoPay Bonus Reward Card Promotion

    Hu$tler
    17 Sep 2014 | 9:27 am
    For customers of AT&T Wireless, U-verse, Home Phone, or Internet customer, they are now offering a $10 AT&T Reward Card when you enroll in AutoPay. Simply sign up for automatic payment of your bill via credit card or bank account and get a $10 prepaid Visa gift card. Make sure to maintain your AutoPay status for at least 90 days to keep your $10 bonus. After 90 days, you can cancel the AutoPay to qualify for the next AutoPay bonus if you wish. AT&T AutoPay Bonus Promotion Features: Secure, monthly automatic payment No more misplaced bills or late payments Easily update your…
  • American Express $5 Statement Credit for Spending $15 at Walmart.com

    Hu$tler
    16 Sep 2014 | 2:19 pm
    Check out this $5 statement credit Amex Sync Offer for spending $15 or more at Walmart.com good through November 30th, 2014. This is available by syncing your Amex card via Twitter and using your Synced Amex card at Walmart.com for $5 statement credit. I suggest to buy a $15 gift card online and use it in-store. American Express $5 Statement Credit at Walmart.com: Option 1: Log into your American Express Account, then click on the “Amex Offers for You” tab at the bottom of the page. Find this offer, click the “Save Offer” button. Option 2: Sync your Amex card to your Twitter account.
  • American Express Twitter Sync Offers, Bonuses, & Promotions- September 2014

    Baller
    16 Sep 2014 | 12:28 pm
    If you have an American Express card and a Twitter, Facebook, TripAdvisor, or Foursquare account, check out the complete list of Amex Offers, Bonuses, and Promotions below to receive statement credits worth $5 to $150. To earn a statement credit, you must have an eligible AMEX card + connect to one of the social media accounts and meet the minimum spending requirement. Be aware that some deals are regional or for online purchases only. All purchase minimums must be from a single purchase. Amex Offers and Add/Register Your Card(s): Amex account management page: Log into your American Express…
 
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    Personal Finance News

  • Doug Mccallum Should Name Laurie Guerro to Replace Him Amidst Rcmp Row- Mayoral Vikram Bajwa

    ACN Staff
    19 Sep 2014 | 7:48 am
      Surrey BC. With less than 8 weeks for civic elections in Surrey British Columbia, reporter Tom Zytaruk of the newspaper Now, has divulged how Mayor Doug McCallum tried to muzzle the RCMP, during his term as Mayor of Surrey. After a gap of 9 years McCallum announced Safe Surrey Coalition, which contains a manifesto, […]Doug Mccallum Should Name Laurie Guerro to Replace Him Amidst Rcmp Row- Mayoral Vikram Bajwa was created by and is property of American Consumer News.
  • LOCAL “PLATFORM FOR PROSPERITY” WINS NATIONAL RECOGNITION

    ACN Staff
    18 Sep 2014 | 7:15 pm
    Alameda County Social Services Agency (SSA) to be honored at Washington DC Ceremony LIGHTNING RELEASES: Washington, DC (9/18/2014) – In Alameda County, social services are growing beyond issuing benefits and moving into a more holistic assessment of immediate and long range financial needs. SSA’s asset and wealth building strategies for low income families and individuals […]LOCAL “PLATFORM FOR PROSPERITY” WINS NATIONAL RECOGNITION was created by and is property of American Consumer News.
  • BERNIE & PHYL’S TO TOM BRADY: THE JOB IS YOURS Furniture Retailer Sees “Leadership Qualities” In Reviewing Quarterback’s Resume

    ACN Staff
    18 Sep 2014 | 7:15 pm
    LIGHTNING RELEASES: BOSTON (9/18/2014) – Impressed by the resume Tom Brady posted on Facebook today, Bernie & Phyl’s CEO Bernie Rubin formally offered the future Hall-of-Famer a full-time position with the company as vice president. “What’s not to like? He’s a Michigan grad with a 3.4 GPA with financial and leisure experience,” said Rubin. “He […]BERNIE & PHYL’S TO TOM BRADY: THE JOB IS YOURS Furniture Retailer Sees “Leadership Qualities” In Reviewing Quarterback’s Resume was created by and is property of American Consumer News.
  • Rep. Tom Marino Urges Support of Important Kidney Care Legislation

    ACN Staff
    18 Sep 2014 | 1:13 pm
    Bill Improves Research, Patient Choice, Care Coordination for Americans with Kidney Failure LIGHTNING RELEASES: WASHINGTON, DC (9/18/2014)– Co-Chair of the Congressional Kidney Caucus Rep. Tom Marino (R-PA) was joined by representatives of Kidney Care Partners (KCP) to spotlight the importance of The Chronic Kidney Disease Improvement in Research and Treatment Act (H.R. 4814), bi-partisan legislation […]Rep. Tom Marino Urges Support of Important Kidney Care Legislation was created by and is property of American Consumer News.
  • Sports Attorney Anthony Caruso Certified NFL Agent

    ACN Staff
    18 Sep 2014 | 10:57 am
    LIGHTNING RELEASES: New York, NY (9/18/2014) – Anthony R. Caruso, Esq., partner and chair of the Sports, Media & Entertainment Law Group of Scarinci Hollenbeck LLC, has been officially certified as a NFLPA Contract Advisor, otherwise known as a certified NFL Agent. Within the process to become an NFL Agent a test administered in Washington, […]Sports Attorney Anthony Caruso Certified NFL Agent was created by and is property of American Consumer News.
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    Cash Money Life | Personal Finance, Investing, & Career

  • 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…
  • Your Parents Have NO Retirement Savings – What’s Your Responsibility?

    Kevin Mercadante
    25 Aug 2014 | 2:01 pm
    This article was originally published on Cash Money Life | Personal Finance, Investing, & Career at Your Parents Have NO Retirement Savings – What’s Your Responsibility?. We all know what a bad situation it is to have no retirement savings. But what if it’s not you, but your parents, who have no retirement savings – what’s your responsibility? On first thought, it might be tempting to dismiss the entire scenario. You can simply assume that your parents have some kind of retirement savings set aside. Or, you can rationalize that if they don’t, it’s not your responsibility…
  • I Joined the Air National Guard

    Ryan Guina
    14 Aug 2014 | 2:23 pm
    This article was originally published on Cash Money Life | Personal Finance, Investing, & Career at I Joined the Air National Guard. Last week I joined the Air National Guard. If you aren’t familiar with how the military is structured, the National Guard is part of the military Reserve Corps. It is a reserve component of our military that is often used to fulfill needs at the state level, or augment our active duty military. Some Guard members work in a full-time capacity, but for the most part, it is a part-time job often advertised as “one weekend a month, two weeks a…
  • 2014 Sales Tax Holiday – Tax Free Back To School Shopping

    Ryan Guina
    31 Jul 2014 | 2:34 pm
    This article was originally published on Cash Money Life | Personal Finance, Investing, & Career at 2014 Sales Tax Holiday – Tax Free Back To School Shopping. Summer may still be in full swing, but parents of school age children only have a few weeks remaining before the kids are heading back to class. While it may seem a tad premature to be thinking about back to school shopping when many still have summer vacation plans on the horizon, there are definite savings to be found for early shoppers. There are several states that make early back to school shopping even more cost…
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    Grad Money Matters

  • Making Money as a Personal Shopper

    GMM
    19 Sep 2014 | 2:00 am
    Hello everyone! Today I have a post contributed by a fellow blogger. Fits well with Gradmoneymatters, so enjoy! Paying the bills just got easier – and way more fun. You can make money, believe it or not, by heading to the mall and buying clothes for other people. That’s the dreamy job of a personal shopper: someone who has knowledge of fashion trends and an understanding of personal style, and is trusted to go out and purchase garments for others.Want to know more? Read on.What Does a Personal Shopper Do, Exactly?As someone who lives the dream as a personal shopper, I can really give…
  • Negatives and Risks of Telecommuting For Your Job

    GMM
    17 Sep 2014 | 2:00 am
    This week, we have been talking a lot about telecommuting. I published both Work Benefits and Perks To Negotiate For and Positives of Telecommuting For Your Job. However, what about the negatives of telecommuting?There has to be at least a few negatives to telecommuting as well or else everyone would be fighting to be able to doit.You might feel lonely.Working from home by yourself can feel lonely if you do not do it correctly. Since you’ll be home for pretty much the whole entire day every single day (unless you have a family), it can be easy to feel lonely.You might have to find…
  • Positives of Telecommuting For Your Job

    GMM
    16 Sep 2014 | 2:00 am
    The other day, I published the article Work Benefits and Perks To Negotiate For. One of the benefits/perks I mentioned was telecommuting to your job.Some don’t care for telecommuting to work, whereas others dream of one day being allowed to have this perk. Telecommuting is where you work from somewhere else other than your employer’s place of business (usually at home).Below are the several positives of telecommuting:Saving time. If you work from home, then you can save a lot of time by not having to get ready for work or commute to work. For some, that could save hours each…
  • Work Benefits and Perks To Negotiate For

    GMM
    15 Sep 2014 | 2:00 am
    When most people think about obtaining a new job, the main area many seem to be worried about is salary negotiating. However, there are many other areas you might want to think about negotiating for. Salary can be important, but other benefits can be key in managing a good work life balance and a happy life.A flexible schedule.A flexible schedule is something that more and more workers seem to be asking for these days. A flexible schedule could consist of many different types of schedules.You might ask to fit your 40 hour work week into four days instead of the usual five. You might ask if…
  • Is Work Life Balance a Real Thing?

    GMM
    11 Sep 2014 | 2:00 am
    I keep hearing more and more about work life balance. Is it a real thing though? As someone who works countless hours each week, I can honestly say that it does exist. However, that only holds true if you follow the tips below.It is very easy to let life escape you and focus on work too much. That’s not good though. You want to have time to eat dinner with your family, enjoy the outdoors with your loved one, time to unwind and relax, and so on.Below are my tips to create a better work life balance for yourself:Don’t bring your work home.This isn’t something that everyone has…
 
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    Everybody Loves Your Money

  • Link Love 9/19/14

    Alexa
    18 Sep 2014 | 9:15 pm
    Happy Friday! I hope you had a good week. And just in case you’re in need of some weekend reading I’ve rounded up some of my favorite posts for you. 7 Celebrity Net Worths You Won’t Believe @Cash Cow Couple Our Early Retirement Plan @Critical Financial Setting Financial Goals @Shoeaholic No More 5 Reasons to be Optimistic About the Economy @Five Cent Nickel Are You Protected Against a Lost or Stolen Cell Phone? @Clever Dude Have a good weekend! The post Link Love 9/19/14 appeared first on Everybody Loves Your Money.
  • Do You Make Life Happen or Let Life Happen to You?

    Alexa
    16 Sep 2014 | 9:15 pm
    There are two type of people in this world. The first make things happen. If they want something they go for it. They create their own luck. The second type just let stuff happen to them. They complain about their circumstances and blame their situation on forces outside of their control. They also think that the first group is just “lucky.” But the truth is luck is rare. What you might call lucky is actually tons of hard work and a lot of waiting. Overnight successes aren’t actually overnight successes. This principle applies to your career and your personal finances. So, are you ready…
  • How I Keep My Low Car Insurance Premium (And How You Can Too!)

    Alexa
    14 Sep 2014 | 9:15 pm
    As an ex insurance agent I’ve seen one too many people struggle to keep their car insurance bills down. I’ve seen monthly premiums range from $300-$500 per month with one car and two people on the policy. That’s scary to even think about. I’ve also learned how the auto insurance business works. And what to do in order to keep a premium low. Because nobody wants to pay more for auto insurance than they did for their car. Am I right? Here’s how I keep my low car insurance premium and how you can too! Avoid Traffic Violations My number one tip on the list is the most obvious and yet,…
  • Link Love 9/12/14

    Alexa
    11 Sep 2014 | 9:15 pm
    Happy Friday! It’s my birthday weekend. I was planning on going camping but all of a sudden it’s unbelievably cold. I had to wear a jacket and boots today it was so bad. Which seems strange because just two days ago I was running around in flip flops. But I guess that’s how it goes! So now I’ll probably just kick back at the house. Maybe some fishing. Who knows. As always, if you’re in need of some weekend reading here are some of my favorite posts around the web: The Cost of Working Outside the Home @See Debt Run Venus and Mars and Apartment Hunting @Dinks…
  • How to Treat Your Dollars Like Employees

    Alexa
    9 Sep 2014 | 9:15 pm
    If your personal finances were actually a company called YOU, Inc. how would you run YOU, Inc.? Would you let your money be spent on frivolous items that didn’t bring you joy, or would you run a tight ship and tell every dollar where to go? I’ve always been a sucker for articles that started like that. So, sorry, I had to put that in there. But articles like those and like this one which I recently read at the Frugal Farmer remind me that I need to treat my dollars as employees. This isn’t a new concept to me. But it is something that I tend to let slip from time to time. So you might…
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    CreditCards.com

  • Small loans help subprime borrowers boost credit scores

    Kelly Dilworth
    19 Sep 2014 | 5:57 am
    If you're struggling to build or rebuild your credit, you may want to look into obtaining a small-dollar loan from a nonprofit lender. A new analysis from Experian showed that when borrowers teamed up with a nonprofit lender affiliated with the Credit Builders Alliance -- which helps nonprofits report loan data to the credit bureaus -- they improved their credit scores considerably. Over a two-year period, 58 percent of borrowers saw their VantageScores tick up. Meanwhile, over 20 percent of borrowers added so many points to their credit scores that they moved up to a better credit risk tier.
  • 6 credit card truths I learned from playing fantasy football

    Matt Schulz
    18 Sep 2014 | 12:21 pm
    With football season upon us, millions of Americans' thoughts have turned to fantasy football. They buy magazines. They stream videos and download podcasts. They watch TV shows and surf websites. Add it all up, and the consultancy Challenger, Gray & Christmas estimates fantasy football costs companies more than $13 billion due to lost productivity. It's a tremendous amount of time -- far more than the average American likely spends researching other things like credit cards, for example. That's understandable, of course. For most people, it's far more entertaining to read a story about…
  • Why does negative info stay on your credit report 7 years? No one knows

    Fred Williams
    18 Sep 2014 | 5:52 am
    It's a bedrock fact of credit: Unpaid loans take seven years to expire from your credit report.But why is seven the magic number?"We don't actually know," said Stuart Pratt, president of the Consumer Data Industry Association, the trade group for U.S. credit bureaus.In 1970 the Fair Credit Reporting Act enshrined seven years as the lifespan for most types of negative information to remain on your credit report. You can expunge errors at any time, but accurate negative information, with a few exceptions, sticks around for seven years.Now, 44 years later, consumer advocates are attacking the…
  • 3 tips for the travel rewards card newbie

    Sienna Kossman
    17 Sep 2014 | 6:00 am
    I opened my first travel rewards credit card the summer before my final semester of college. I had good credit, was eligible for a decent rate and would get 30,000 bonus miles upon signing up. Knowing I would be doing a lot of traveling in the coming year, applying for the card was a no-brainer. However, I've been a cardholder for about a year now and am getting a handle on how to use the card to my advantage. It's easy to become overwhelmed by complex reward programs and, as a result, neglect some really useful card benefits, miss out on earning as many reward points or miles as possible or…
  • Medical debt worsened by 'parking,' 'chargemaster' tactics

    Fred Williams
    12 Sep 2014 | 8:03 am
    Medical debts are wounding consumers with unfair black marks on their credit reports, consumer advocates told Congress this week, as scrutiny of credit reporting intensifies. Consider the debt collection practice of "parking," for example. Collectors frequently put debts, usually small ones, on your credit report without even telling you. It spares collectors the bother of calling you, and the "parked" debt sits on your report, weighing down your credit, until you discover it -- maybe when you're turned down for a mortgage or a car loan. "'Parking' harms the consumer because he or she never…
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    One Frugal Girl

  • Preschool Drop Off Was Harder Than I Expected

    One Frugal Girl
    17 Sep 2014 | 7:02 pm
    I knew it wouldn’t be easy to drop my little guy off at preschool. I expected a bit of separation anxiety and perhaps a few tears. After three straight years together I knew beyond a shadow of a doubt that it would be hard to place my son in the arms of his teacher and walk away. I thought a lot about what my son might experience, but I didn’t realize how powerful my own emotions would be. The first few days of drop off my son walked into the classroom with a smile, but I left the school in tears. For the record my husband found it pretty difficult to walk away too. The hardest…
  • The Moments That Defined Our Financial Future

    One Frugal Girl
    14 Sep 2014 | 2:47 pm
    The other night I took my husband out to celebrate his thirty-eighth birthday. Over wings and beer we began discussing the current state of our bank accounts and the events that helped define our finances. Here are the details in no particular order: Our parents paid for our college education leaving us completely debt free after college. Neither of us ever accumulated credit card debt. Through the combination of a variety of paid internships and jobs we saved a good deal of money before ever leaving school. After graduation I lived in a group house, which saved me thousands of dollars in…
  • Book Review: 25 Money Saving Strategies Your Teacher Forgot to Tell You About

    One Frugal Girl
    10 Sep 2014 | 2:26 pm
    There are a lot of books on the market to help you save money. I could line my bookshelves with at least twenty or thirty that I’ve read over the past ten years. Many regurgitate the same concepts over and over. Don’t buy lattes and don’t rack up credit card debt on things you don’t need. Seems simple enough. When I received a copy of 25 Money Saving Strategies Your Teacher Forgot to Tell You About I was skeptical it would be any different and while some of the ideas are the same the overall approach to saving is a bit more radical. Among the advice I found quite…
  • Mortgage Countdown

    One Frugal Girl
    8 Sep 2014 | 2:47 pm
    It has been nearly three years since I left the work force. While I wake up every morning feeling happy about my place in this world my husband wakes up feeling miserable. Quite frankly he doesn’t like his job. He wakes up slowly and trudges off to work praising the weekends and telling me they never come soon enough. I often feel guilty for staying home. While I know deep in my heart it is the best solution for our family I also know that a six figure income would certainly take the burden off my husband’s shoulders. I’m not sure if my husband will stop working when our…
  • That Out-of-Town Medical Bill Gets Bigger!

    One Frugal Girl
    7 Sep 2014 | 8:01 am
    Last month, after much contemplation, I decided to remain in North Carolina rather than driving over two hundred and sixty miles back to Maryland for an unexpected medical test. I was all set to pay a higher price for that procedure and called in advance to receive a quote. Unfortunately, on the day of the scan the hospital could not confirm the quoted price. My original $550 estimate went right out the window. It was too late to choose a different facility, (the test had to be performed within a specific time frame), so I proceeded without any idea of what I might actually owe. Well the…
 
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    My Dollar Plan

  • Ebay Bucks Cashback

    Madison
    19 Sep 2014 | 6:29 am
    Do you shop on eBay? I have used eBay off and on for almost 15 years… but somehow I missed the fact that they have a rewards program! I’ve been shopping a bunch on eBay recently to stock up on some discontinued items I sell on Amazon. (Ironically, there’s a book about the topic How to Buy Low on eBay and Sell High on Amazon, but I’ve never read it… maybe I should!). Anyways, I stumbled on the eBay Bucks program. It’s a free rewards program that lets you earn cash back on your shopping. Let’s take a closer look for Free Money Friday! How to Get Your…
  • 2014 Tax Calculator to Project Your Tax Refund

    Madison
    18 Sep 2014 | 7:07 am
    The 2014 tax calculator is here! Do you want to get an estimate of how much your tax refund will be before you file? We just updated the 2014 tax calculator with the current tax brackets, credits, deductions, and everything else you’ll need to estimate your tax refund before the tax deadline. How to Use the 2014 Tax Calculator The 2014 tax calculator works based on the following inputs: Enter your filing status including your personal exemptions and any dependents you will claim on your tax return. Then enter your income, deductions and credits. Enter your projected withholdings from…
  • 8 Free Ways to Watch Movies

    Kristen
    17 Sep 2014 | 7:09 am
    Whether you’re trying to get out of debt, you want to save more money, or you are trying to simplify your life, it doesn’t mean the fun needs to stop. Finding free things to do is the best way to still have fun while sticking to your budget and keeping your spending in check. In fact, you’ll probably be more likely to stick to your budget if you’re still having fun especially if you’re stressed about your money and finances. Photo Credit: Andrel Zmievski Free Ways to Watch Movies Movies are a great free thing to do for fun. Here are eight ways to watch movies for free: Borrow from…
  • How to Claim the Health Insurance Premium Tax Credit

    Madison
    16 Sep 2014 | 6:29 am
    As the first year of health insurance through the new health care exchanges winds down, another new challenge is just beginning. The upcoming tax season will be the first year to report, claim, and reconcile the new health insurance premium tax credit. It will be a new, and in some cases challenging, addition to your 2014 tax return. Health Insurance Tax Credit The new health care premium tax credits are part of the Affordable Care Act (ACA), or Obamacare. The tax credits and health insurance subsidies are used to purchase health insurance through the new insurance exchanges. The tax credit…
  • Free Bookkeeping Software for Your Small Business

    Amanda
    15 Sep 2014 | 6:36 am
    I’m going to outline for you the pathetic money system I used to have in place for my small business (I mean, it’s great that I had one…but wait and see what I mean). I had an excel sheet, and about 7 columns of the different revenue streams for my blog, Frugal Confessions. Each month, I would go to my PayPal account, search for that month’s range of transactions, get out my calculator, and add up each type of income individually. Then, I’d do the same thing for expenses. These amounts automatically calculated together within excel, so I thought that was pretty…
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    My Financial Journey

  • Retirement Nestegg Report – August 2014

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

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

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

    MFJ
    2 Jun 2014 | 8:28 am
    Well nothing too exciting this month – I gained some of the lost ground to the SP500 the last few months and I made $4000 in contributions to our Roth IRA accounts. The good news is I didn’t have any five or six figure purchases this month so I feel a little bit more frugal than I did last month Taxable Account – $5,099.04 (+2.99%) Traditional Rollover IRA – $30,500.70 (-1.23%) My Roth IRA – $103,334.94 (+7.92%) Wife Roth IRA – $56,790.05 (+5.32%) Traditional 401k – $191,961.67 (+2.52%) Roth/Traditional % = 41.30% (tax free) Total Retirement Nest Egg $387,686.40…
  • Retirement Nestegg Report – April 2014

    MFJ
    1 May 2014 | 10:57 am
    Ouch a very rough month for my retirement nestegg and for the 2nd month in a row my portfolio badly underperformed the SP500. To top it off I also finally made a land purchase so $131,000 came out of my savings account and went to buying some dirt. Also last month we purchased a new minivan for $15,000 so cash savings is flying out the door and my investment accounts are dropping as fast as they went up. Bottom line is I feel a lot poorer this month than I did last month. In the grand scheme of things the investment fluctuations mean nothing. I have a pretty volatile stock portfolio and so…
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    MoneyCrush

  • 7 Ways to Save at the Grocery Store

    Jackie Beck
    15 Sep 2014 | 5:00 am
    Everyone likes saving money, right? Since groceries are typically one of the larger expenses each month (and we all have to eat!) if you can find a way to save money on them it’s even better. Here are some tips on how to maximize your grocery money. 1. Only buy what you need. This may seem obvious, but it’s really not. Go through your cupboards, refrigerator, freezer, and recipe book before you leave for the store. Make a list of the ingredients you’ll need to make this week’s meals, plus any household goods you may need as well. Then, be sure you’ve had a snack…
  • The FBA Experiment (Part 4)

    Jackie Beck
    8 Sep 2014 | 5:00 am
    I wrote about my experience trying out Fulfillment by Amazon (FBA) as a seller in parts one, two, and three of the FBA Experiment. In this post, I’ll tell you about my results and what I thought of the experience. First let’s go into my reasons for giving it a try, since they definitely color my opinion. Why Amazon FBA? I wanted to experiment with retail arbitrage for a couple of reasons. First, I’d bought and resold items at a profit before on a very small scale. (First using — gasp — the newspaper, and later using Craigslist and eBay.) I’d resold airline…
  • Quit Trying to Save Money

    Jackie Beck
    1 Sep 2014 | 5:00 am
    Have you been trying to save money for years without success? Maybe something always seems to come up, and you never quite manage it on a regular basis. If so, it’s time to quit trying to save money. That’s right. Quit trying to save money. What that means I’m not suggesting that you just go ahead and spend every penny you’ve got. But when you keep trying and trying to do something without success, by definition whatever you’ve been trying isn’t working. It can be hard to step back and realize it, because it’s human nature to think that next time will…
  • Goodbye, Job!

    Jackie Beck
    25 Aug 2014 | 5:00 am
    After 9+ years with the same employer, this will be my last week at my job. It’s bittersweet to leave after all this time, but I’m super excited to just be doing my own thing now. Well, now meaning after Friday :) Maybe I’m a little crazy to quit now, since my husband was just laid off, but in a strange way it seemed like a good time. We can both have a fresh start at the same time. (And I’ve never been one to do things the “normal” way anyway.) So what will I be doing now? Blogging, for starters I’ll be blogging more for starters. More places, that…
  • The FBA Experiment (Part 3)

    Jackie Beck
    18 Aug 2014 | 5:00 am
    I got signed up late last month as a Fulfillment by Amazon (FBA) seller. I wanted to experiment with retail arbitrage as another way to make extra money, and FBA sounded interesting precisely because Amazon would be in charge of fulfilling the orders. Here’s my experience so far. Getting ready I started out by doing a little research so that I could learn at least the basics of what I might be getting into. (See part one of this series for more info on that.) I especially concentrated on Amazon’s shipping requirements, since I wanted to be sure I understood. I decided to look only…
 
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    Million Dollar Journey

  • Home Renovations vs. Early Retirement, Market Timing, Life Insurance when Traveling, and more!

    FrugalTrader
    19 Sep 2014 | 4:30 am
    There has been some notable financial news lately (this type of news is regularly shared with my twitter followers). First, later today Alibaba (BABA) will IPO at a price of $68 per share, helping the company raise around $22 billion (the largest IPO in history). This will give the company a market cap of around $168 billion. Second, Costco has announced that MasterCard will replace Amex in their stores starting January 1, 2015. Need some MasterCard ideas? Here is my list of no annual fee cash back cards for 2014. Third, both WestJet and Air Canada will now charge $25 for the first checked…
  • Net Worth Update September 2014 – Nobleea

    Guest Blogger
    15 Sep 2014 | 4:30 am
    Welcome to the Million Dollar Journey September 2014 Net Worth Update – Team MDJ edition. A select group of readers were selected to be part of Team MDJ which was conceived after the million dollar net worth milestone was achieved in June 2014. Nobleea was selected as a team member and will post net worth updates on a regular basis. Here is more about him. Profile: Name: nobleea Age: 36 Net Worth: $681,388 Day Job: Engineering supervisor at large oilfield services company, Teacher (wife) Family Income: $145,000 (main job), $30,000 (part time job), $85,000 (wife main job), $10,000 (wife…
  • The Risk of a Defined Benefit Pension

    FrugalTrader
    9 Sep 2014 | 4:30 am
    A government based defined benefit pension is considered the gold standard of retirement benefits.  The requirement is that you need to work for the government for 25-30 years, contribute a small portion of your salary towards the pension and in return, you get 60-70% of your working income monthly (some pensions are even indexed to inflation) during retirement.  It really is a great deal for employees willing to stick it out with the same employer for their careers. The Risk of a Defined Benefit Pension While defined benefit pensions are a great deal for employees, it is an extremely…
  • Save Money and Have Fun with a Staycation

    Guest Blogger
    5 Sep 2014 | 4:30 am
    If you are trying to save money, a vacation is rarely the first thing that comes to mind. However, what’s the point of living if you can’t actually live a little? The good news is that enjoying life doesn’t have to be expensive. In fact, you can get away even in your own backyard when you decide to have fun with a staycation. What is a Staycation? Instead of heading to an exotic locale, the point of the staycation is for you to stick close to home. You engage in some actions that you would enjoy if you were on vacation, but you stay within a couple hours’ drive of…
  • Reader Mail: Should I Sell or Hold during Stock Mergers/Acquistions?

    FrugalTrader
    2 Sep 2014 | 4:30 am
    The big financial news in Canada these days is that Burger King is acquiring Tim Hortons in a cash and stock deal worth $12 billion.  When big events like this happens, I typically get a number of emails on the topic, this time around, readers are wondering what to do with their shares of Tim Hortons (THI). Background While there are many types of mergers and acquisitions, in this case, Burger King is a publicly traded company that is in the process of acquiring another publicly traded company.  In some cases, the acquiring company will offer straight cash  which they will finance by…
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    Bible Money Matters

  • Should You Always Do What Makes The Most Financial Sense?

    Craig Ford
    17 Sep 2014 | 4:55 am
    Should you always do what make the most financial sense according the the calculator? Have you ever gone against the math to follow a dream? The post Should You Always Do What Makes The Most Financial Sense? appeared first on Bible Money Matters and was written by Craig Ford. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • Do You Know Where Your Money Is Going?

    Miranda Marquit
    16 Sep 2014 | 8:43 am
    Being aware of where your money is going, and what it's doing, is the first step to taking control of your finances, and getting things in order. The post Do You Know Where Your Money Is Going? appeared first on Bible Money Matters and was written by Miranda Marquit. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • Put Your Money To Work By Investing For The Long Term

    Peter Anderson
    15 Sep 2014 | 9:53 am
    When you first start out investing as a college graduate, or when you’ve finally been able to get rid of your debt, it can be daunting to know where to put your money, and what you should invest in. What will give your money the best returns?  What investments are lower risk, while still giving […] The post Put Your Money To Work By Investing For The Long Term appeared first on Bible Money Matters and was written by Peter Anderson. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • Remembering 9/11 10 Years Later: Where Were You On That Fateful Day?

    Peter Anderson
    11 Sep 2014 | 4:33 am
    For my generation September 11th has often been compared to Pearl Harbor, or the Kennedy assassination. Everyone remembers where they were on 9/11. This is my remembrance of where I was, and what I was thinking on that awful day. The post Remembering 9/11 10 Years Later: Where Were You On That Fateful Day? appeared first on Bible Money Matters and was written by Peter Anderson. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • Talking About Life Insurance: It’s Something You Should Do ASAP

    Peter Anderson
    9 Sep 2014 | 4:20 am
    Buying life insurance doesn't have to be an expensive proposition, and the protection it will buy your family will give you peace of mind. The post Talking About Life Insurance: It’s Something You Should Do ASAP 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

  • Pins, Alibaba , Apple Pay , L’Écosse , and #theBestFin4TheWeek

    Big Cajun Man
    19 Sep 2014 | 5:09 am
    The good news of the week is Master Big C8j (my son) has had the K-wires removed from his elbow/humerus, and is on the mend from his summer elbow destruction. The CHEO parking lot was a zoo thanks to a new enterovirus going around, and the ortho clinic was busy with 90 kids waiting for either a checkup or have their cast changed (or removed). Took a while to get it all done, but the folks at CHEO work hard for their money, I have no complaints, and am glad they are around. Alibaba (the IPO) is happening today, and I am watching the whole sequence of events with great interest . I think I am…
  • RESP : What does $350 Look like ?

    Big Cajun Man
    17 Sep 2014 | 5:06 am
    Continuing on with my discussions about the relative cost of school and such, I have found another interesting example for all of those parents out there that are wondering, “Should I start saving for my child’s post-secondary education ?”. I have already scratch this topic a little with, So That is What $50,000 looks Like, but read on, it will be entertaining. Those Two Books Cost $350.00(the computer is not included in that price) First, a question: What does $350 look like at University (or to a parent of a child who is at College/University) ? Look at the picture on the…
  • Financially, it is never enough

    Big Cajun Man
    16 Sep 2014 | 5:17 am
    Last week I was talking to an Insurance Agent about possibly changing my term insurance carrier, to see if I could get a lower rate, and (as usual) the conversation was not just about Term Insurance for guys over 50 (that was the topic I wanted to talk about), unfortunately the topic of retirement planning and insurance coverage to protect my family came up (no, I didn’t bring it up, you can guess who might be the protagonist in that part of the conversation). At the Signpost Up Ahead, you see you are entering… The Financial Despair Zone I pointed out that I have a pension plan (a…
  • What is my TFSA Limit?

    Big Cajun Man
    15 Sep 2014 | 4:37 am
    How Hard is it To Find Out my TFSA Limit? There has been a lot of electronic ink written about TFSA limits, and how Canadians are depositing over their limits (and paying a dear price in penalties), but just how hard is it to actually find out your credit limit? Do it One Step at a Time (picture courtesy Microsoft ClipArt) It is not that hard, if you use on-line banking. Let me walk you through the steps here: Go to the CRA’s My Account Page (yes that is the link for it). From there you can either try to create a CRA user id, if you wish, or you can use your On Line Banking Credentials…
  • Home Despot, iPhones, and #theBestFin4TheWeek

    Big Cajun Man
    12 Sep 2014 | 5:27 am
    Home Depot lost my personal information, so now I got free Equifax? I still don’t think it’s a fair trade. Reminds me of a bad joke by Henny Youngman: Someone stole all my credit cards, but I won’t be reporting it. The thief spends less than my wife did. That’s not very funny any more, but at least it’s topical? Oh, and remember it is not just Home Depot card users that are hit with the data breach, it is anyone who used any credit card in a Home Depot in the past few months. Not a Photo of the new iPhone. The new iPhone 6.0 is out and everyone is flocking to the…
 
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    Early Retirement Extreme

  • Envelope recycling

    Jacob
    19 Sep 2014 | 3:27 pm
    Here is a chance to take advantage of some economic inefficiency: Recycle your envelopes. DW and I used to sell used books and recycling the padded envelopes which I got from buying other used books is really a no-brainer when padded envelopes easily cost north of $0.75. Some used book sellers would even take the chance on the purchaser’s good faith and include a stamped return envelope to send the padded envelope back. In this system the same envelope could take three trips or more! Another advantage is that it cuts down on the garbage as well. If people paid directly for the volume of…
  • Travel, tourism, and living abroad

    Jacob
    19 Sep 2014 | 3:24 am
    A couple of weeks ago I posted the controversial statement that travel is not worth it. This elicited many comments and so it is obviously something people feel strongly about. I think, therefore, I should clarify things a bit. First some definitions: Travel: The process of getting from point A to point B. Tourism: Using the WTO’s definition, tourism is traveling to some place and being away from home for more than 24 hours and less than 1 year and NOT being remunerated from the destination. (Being away for longer than one year while not being paid would not be tourism.) Living abroad:…
  • The disappearance of the middle class

    Jacob
    18 Sep 2014 | 3:21 pm
    Zev pointed me in the general direction of Huffington Post and their posts about the disappearance of the middle class and what they refer to as “Third World America” and what we need to do to save it. As I was reading more and more I felt more like grabbing someone and shaking themcompelled to write an answer. Unfortunately, I ran out of space on their site, so here goes: I’ll tell you what “we” need to do. The middle class needs to start by taking a very serious look at itself, because all the problems that the middle class is undergoing could have been…
  • Theory of mind

    Jacob
    18 Sep 2014 | 3:21 am
    Lately I have been fascinated with the concept of a theory of mind. To use the word theory in its correct scientific sense, it would be better to speak of a “hypothesis of mind” since neither one’s own mind nor other people’s minds are directly observable. Instead it is an inference. The collection of inferences then forms a working theory. Go ahead and read the link. I’ll summarize and comment further below. Possessing such “a theory of mind” allows one to identify and attribute knowledge, beliefs, and intentions to oneself and to others. By…
  • Man saves tens of thousands of dollars just by thinking

    Jacob
    17 Sep 2014 | 3:20 pm
    In these trying economic times, there’s a growing movement of people who are saving thousands and thousands of dollars every year just by thinking. “I never thought about it before,” John, 32, says, ironically, “But it’s amazing how much money you can save when you think about it. For example, the other day, I was sitting on my couch and I needed to turn on the light in the living room. But the light switch was over on the wall and I was over here on my couch and so I couldn’t reach it,” John explains. “I know, right, first world problems.
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    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.
  • Monthly Update - April 2014 ($1,689,963, +$19,015)

    webmaster@pfblog.com
    10 May 2014 | 2:34 pm
    After a mild setback in March, our net worth resumed its steady growth. In April with a monthly improvement of $19,015, or 1.1%, making it the best showing in the last six months. 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

  • 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…
  • July 2014 Net Worth Update (-$12,499)

    2million
    3 Aug 2014 | 12:34 pm
    Highlights for JulyI just signed up for our 4th and 5th new credit card promotion opportunity this year. Since we have no plans to utilize our credit for other financing anytime soon, we plan to make a little money off our credit scores by taking advantage of these promotional opportunities. We have already earned $1,600 in gift cards from 3 of these opportunities in 2014. 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 on their cost…
  • Toyota Sienna 2014 Purchase Breakdown

    2million
    20 Jul 2014 | 6:53 am
    Back at the end of March my wife and I purchased a new 2014 Toyota Sienna LE. I found it hard to get good benchmark prices online so wanted to share our cost breakdown. We purchased a 2014 Toyota Sienna LE in North Carolina (I found pricing differs slightly based on locale) for $28,000 out the door. This included the LE model, 8 Passenger, Pre-Dawn Grey with 10 miles on odometer and floor mats. We visited 3 local dealers and contacted 4 dealers within a 5 hour drive of us. In the end we purchased from a dealer about 2 hours away (near family). Here was the breakdown of our cost: Sienna LE…
  • June Net Worth Update (+$19,776)

    2million
    10 Jul 2014 | 1:27 am
    Highlights for JuneWe signed my wife up for our 3rd new credit card promotion opportunity this year. We hope to earn $600 in gift cards after spending $5k over the next 3 months on this new card. 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 on their cost basis, not current market value. We have done this during the the real estate market highs and lows. I believe real estate is too illiquid to list based on recent sale transactions.
 
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    FIRE Finance

  • 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 .....
  • Top 10 Dollar Store Buys

    28 Aug 2014 | 12:12 am
    Aug 28, 2014: Shopping at a Dollar Store is really fun. Over years we have observed that certain goods are definitely cheaper at dollar stores. So we created a dollar store game plan to cash in on low prices. We often wondered how they kept their prices so low. Later we discovered that dollar stores, whether mom-and-pop shops or local franchises of a national chain, get some inventory from Click on the post title to continue reading .....
  • Quickbooks Simple Start FREE - Online 2014

    26 Aug 2014 | 12:12 am
    Aug 26, 2014: Quickbooks is offering their product Online Simple Start 2014, FREE for 30 Days. No credit card is needed to avail this deal. If you have a small business with simple accounting needs then this tool might be a perfect fit for you. Simple Start is an easy-to-use free small business accounting software that can help you to manage your business better by staying organized, being Click on the post title to continue reading .....
  • Check Scam - Don't Be A Victim

    19 Aug 2014 | 11:11 pm
    Aug 19, 2014: We received a letter in the mail which had a check and a notification. It said that we'd won a foreign lottery! So far so good, after all who does not like free money especially lotteries. The next step was to deposit the check but there was a catch which raised our suspicion. We're told to keep the portion representing our winning and wire transfer $3000 back to cover the taxes so Click on the post title to continue reading .....
  • Back To School - Super Savers Guide

    14 Aug 2014 | 11:59 pm
    Aug 14, 2014: Back to school season is here. Parents and students alike are busy planning, budgeting and shopping to meet the semester head on. With rising tuition and increasing costs of school as well as college education, getting our kids back to school can be a major drain on our pockets if we don't plan it well. It gets better if we can get our kids to cooperate with us :). Well, easier said Click on the post title to continue reading .....
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    Personal Finance Resources

  • The Financial Markets of India

    Team RupeeManager
    17 Sep 2014 | 7:07 pm
    C B Bhave has a talk on his experiments with truth in the Indian financial market that is a must read. He reflects on his journey in the financial markets. The state of ethical standards and moral behavior in our … Continue reading → The post The Financial Markets of India appeared first on Personal Finance Resources.
  • PPF versus Stocks: Opinions v/s Facts

    Team RupeeManager
    17 Sep 2014 | 2:24 am
    Theoretically, there’s a clear distinction between a fact and an opinion. But in reality, the difference is often blurred. So sometimes opinion becomes my fact! Here’s an example where two different products, PPF and Stocks, are compared and the facts … Continue reading → The post PPF versus Stocks: Opinions v/s Facts appeared first on Personal Finance Resources.
  • I Live Forever; Bad Things Happen to Others!

    Team RupeeManager
    16 Sep 2014 | 9:02 pm
    This is a story of a widow. This is a forward that is indeed worth sharing. Here it goes: Few things I learnt after my husband’s death:- We always believe we will live forever. Bad things always happen to others. … Continue reading → The post I Live Forever; Bad Things Happen to Others! appeared first on Personal Finance Resources.
  • Buying Diesel Cars instead of Petrol: A CRISIL Review

    Team RupeeManager
    16 Sep 2014 | 2:45 am
    CRISIL has put out a research on the economic sense that buying a diesel car makes instead of buying the petrol version. They say that the Diesel cars have been smoking hot in the last couple of years because of … Continue reading → The post Buying Diesel Cars instead of Petrol: A CRISIL Review appeared first on Personal Finance Resources.
  • What is Personal Financial Planning?

    Team RupeeManager
    15 Sep 2014 | 9:16 pm
    Personal financial planning is a rational approach towards planning our life. Personal Finance is not just about number crunching and buying the best available financial product. Personal finance is also about improvement in every area of life. It is about … Continue reading → The post What is Personal Financial Planning? appeared first on Personal Finance Resources.
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    How I Save Money.net

  • Friday Finances: September 2014 Week 3

    Lulu
    18 Sep 2014 | 8:07 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: $33.27 on food and $26.53 on household expenses. I don’t even want to go into what I spent the money on since it was just replacement items for things that got used up during the last few days. There was no income this week as I only get paid at the beginning of the month.   Related…
  • Missed Out On Dental Insurance

    Lulu
    14 Sep 2014 | 11:33 pm
    I missed out on dental insurance because I was not aware of the enrollment period. I have not been to the dentist since I began school, partly because I was not aware of the enrollment periods. This semester I tried to get the dental insurance but I found out that the enrollment for current employees is in July. Since I have been a graduate assistant for a couple of semesters now I am considered an old employee and cannot get insurance until the open enrollment in July. So now that I missed out on dental insurance I have to wait until next July to get myself on the list. This just shows the…
  • Friday Finances: September 2014 Week 2

    Lulu
    12 Sep 2014 | 8:36 am
    Every Friday I post about my finances for the week in an effort to monitor my income and expenses. I used to post all of the actual figures but I have recently decided to stop doing this. I will now post SOME of my actual expenses and leave the rest to your imagination. This week my expenses were: $36.05 for food for the week. I bought some fruit and milk in that set of groceries because I realized I have not been eating as much fruit as I needed recently.   Related posts: Friday Finances: September Week 4 Friday Finances: August 2014 Week 5 Friday Finances: August 2014, Week 2
  • Friday Finances: August 2014 Week 5

    Lulu
    29 Aug 2014 | 6:36 am
    Every Friday I post about my finances for the week in an effort to monitor my income and expenses. I used to post all of the actual figures but I have recently decided to stop doing this. I will now post SOME of my actual expenses and leave the rest to your imagination. This week my expenses were: $25 for the cell phone bill and $5.19 for food. The food was from a place on campus and it used to cost $4.64 but they have had a huge increase in prices for the new school year. I will not be getting food as frequently as I used to (about once a week) from this place because the increase will mess…
  • Friday Finances: August 2014, Week 4

    Lulu
    22 Aug 2014 | 8:34 am
    Every Friday I post about my finances for the week in an effort to monitor my income and expenses. I used to post all of the actual figures but I have recently decided to stop doing this. I will now post SOME of my actual expenses and leave the rest to your imagination. This week my expenses were: $110.22 for renter’s insurance for the year. I have lived in this complex for the last two years without having renter’s insurance. It was never required by the complex but I guess they have been having issues with people recently. Last year they mentioned that we needed to get insurance but it…
 
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    Funny About Money

  • Car to Chuck’s: Pray for a LONG Life

    funny
    19 Sep 2014 | 12:19 pm
    Welp, the car is (belatedly) down at Chuck’s Auto Service, there to be refreshed for another year of survival. Very nearly missed my chance: the ole Dog Chariot was supposed to arrive in his precincts at 8 a.m. But…a disadvantage of laying flat on your back day after day is that your computer is plugged into a bedroom outlet. After I let the dog out at dawn, I crawled back into the sack and started working on a client’s work. The nose stayed on the grindstone till about 9 a.m., when I got hungry. Stumbled out to get the paper and was reminded of the leaking sprinkler head in…
  • So, Where Were We?

    funny
    18 Sep 2014 | 12:26 pm
    Where were we, indeed? I’ve lost track. But this morning a tiny  bit of normalcy trickled back into life: My accountant friend and I drove out to the weekly meeting of the Scottsdale Business Association, the business group that we’ve taken to calling “The Breakfast Club.” Business leads do get exchanged, but in such a low-key way as to be virtually unnoticeable. Really. They do! Today I gave Francis the Gardener, who runs an upscale concierge service, leads to two of the Valley’s highest-end Realtors, one of whom went to graduate school with me. She quit at the…
  • Rain?

    funny
    17 Sep 2014 | 9:30 am
    Lordie, it’s hard to sell newspapers! Or news websites… Local Play-Nooz has been whipping up hysteria over a HURRICANE (eeeeeek!) about to SLAM (yowwww!) Arizona and FLOOD PEOPLE’S HOMES AGAIN (auuuuugggghhh!).  They’re making as much hay as they can over Hurricane Odile, which is weakening as it passes over BATTERS Baja. This blather is great for sales just now, since folks are a little sensitized by the recent record rainfall. Three inches qualifies as “record” in Arizona… And in fact, because the infrastructure isn’t designed to handle a…
  • News of the Day

    funny
    16 Sep 2014 | 10:38 am
    Been enjoying the dispatches from GoogleNews, the NY Times, BBC, NPR, and waypoints? Amazing stuff, isn’t it? Lately, since I’ve been flat on my back in the sack most of the time, I’ve been spending altogether too much time reading news reports. Whaddaya think of some of this stuff? US sends 3000 troops to fight Ebola in West Africa No kidding? The civilized world is under attack from the most vicious, pernicious enemy we have faced since World War II, and we’re sending the army to try to fight a disease? That’s all very civilized and humane, of courses. But one…
  • UPDATE to the Latest Chapter

    funny
    15 Sep 2014 | 8:14 pm
    So after my long grutch about today’s adventures, I talked with my former brother-in-sin, who happens to have been the premier cardiac anaesthesiologist in the Pacific Northwest until he retired a few years ago. I’d emailed the details of today’s misadventure to him — my earlier post today was based on that message. In response, he called on the phone. He said that either kind of respiratory infection — upper or lower — poses certain kinds of risks of complication with anaesthesia. If I had a lower respiratory infection, he would not have done it. If I had…
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    Lending Club Blog

  • 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…
  • Is Lending Club Available in My State?

    Lending Club
    7 Jul 2014 | 7:31 am
    Is Lending Club available in my state? That is one of the most frequently asked questions from those thinking of borrowing or investing through Lending Club. Ultimately, we want residents of all states to be able to borrow and invest through Lending Club. However, each state has individual laws about investments in securities, as well as lending rules and regulations. Consequently, it can sometimes be confusing – residents of some states may borrow but not invest, residents of some states can invest but not borrow, and many lucky folks can do both. Here is an up-to-date view of states…
  • 5 Things Everyone Should Do Before a First Interview

    Lending Club
    24 Jun 2014 | 11:14 am
    After spending hours drafting your resume and filling out the online application for your dream job, your work finally pays off – *ring, ring.* You pick up the phone to hear a recruiter saying that you’re a top candidate and invites you to come in and meet the team for an interview. You’re one step closer to your dream job and should be proud. But, don’t think that just because you got the interview your work is done and you’re in. Consider the famous quote from Benjamin Franklin, “failing to prepare is preparing to fail”. Interviewees too often fail to do their homework before…
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    MintLife Blog | Personal Finance News & Advice

  • Ways to Save During National Coupon Month

    Mint.com
    19 Sep 2014 | 9:00 am
    September is National Coupon Month, a time to embrace great deals and everyday savings. The good news is that you don’t have to be an extreme couponer in order to save money. Here are a few tips to cut costs using coupons. Start the hunt. There are several places you can find coupons, but your best bet is the Sunday paper.  Grocery stores can also be a treasure trove of coupons if you know where to look, as many stores will have manufacturer’s coupons or store coupons in their weekly ads or have special coupon fliers in the store.  Usually you’ll find them on display near the…
  • Mint Launches on iOS 8 with Touch ID

    Mint.com
    17 Sep 2014 | 12:15 pm
    We’re always working closely with others to build on new technologies and platforms to ensure that our Mint community has the best experience managing and understanding their finances. That’s why we’re thrilled to announce support for iOS 8 by bringing Touch ID technology to Mint. Apple users now can more easily and securely authenticate access to the Mint app on-the-go from any device. A person’s fingerprint is the perfect password. Touch ID adds another great layer of mobile security to Mint’s 128-bit encryption and physical security that banks use. With just a touch of the Home…
  • 4 Survival Tips for Working Parents

    Holly Perez
    16 Sep 2014 | 6:00 am
    It’s Working Parents Day. If you’re like me, you probably didn’t know this day existed or have been too busy packing lunches, doing school drop off, shuttling kids to activities and oh yeah,  surviving at that other paying job called work. Today, fellow working parents, is our day.  It’s a day to put our feet up, relax and reflect. Who am I kidding? We’ve got kids! While I can’t grant you peace and serenity, there are countless, budget friendly tips and tricks to help strike that much needed balance between home and work. What’s for dinner? Eating at home is a great way to…
  • National Fortune Cookie Day: How to Build Your Savings Fortune

    Mint.com
    13 Sep 2014 | 10:00 am
    The fortune cookie brings good luck and fortune to some of us. For others, it is just a whimsical thought to contemplate after enjoying a good meal. Fortune cookies tend to promise endless wealth and instant gratification, but in reality, reaching your fortune involves a bit more effort, including: budgeting, planning for the future, and making smart financial decisions throughout your life. Although we wish obtaining a successful financial future could happen as quickly as cracking open a dessert, we’ve laid out some more realistic financial fortunes that will help you reach yours. Good…
  • Should you get a roommate? (Infographic)

    Mint.com
    10 Sep 2014 | 10:00 am
    Wondering if it makes financial sense to get a roommate? Here are some tips that will come in handy when debating whether you should live alone or split the costs with other people. Click on “Launch Infographic” for an expanded view.
 
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    Personal Finance Buzz - Published news

  • The difference between cash flow and free cash flow

    Moneycation
    18 Sep 2014 | 4:18 am
    Cash flow represents the flow of money for a specific period of time where as free cash flow indicates a cash flow balance after the flow of cash in and out of accounts.
  • OMG, we have rats! How to fight a rat invasion

    rfindependence
    18 Sep 2014 | 1:08 am
    First, you need to clean everything in your kitchen, as the rats are not clean animals. They defecate and urinate pretty much everywhere, and that means probably on your plates or tupperware. If you do not disinfect the kitchen, you can get sick by ingesting traces of it.
  • The First Steps to Getting Back on Track Financially

    frugalrules
    17 Sep 2014 | 11:04 pm
    Getting back on track financially can be hard to do, but it’s not impossible. I share some simple tips that should help you get started on the right path.
  • WHEN IT’S OKAY TO BE NOSY

    frugalrules
    17 Sep 2014 | 11:03 pm
    Being nosy can lower the cost of routine yard and home maintenance jobs. When you need to rent a tool or machine, get a friend to do it with you.
  • Importance of Planning for the Unexpected

    modestmoney
    17 Sep 2014 | 11:27 am
    It would be nice if life went exactly as we planned it. Everything would go smoothly and we’d reach our goals without any hiccups. Really though, that just doesn’t happen.
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    Free Money Finance

  • FMF on Hiatus

    NA
    17 Sep 2014 | 2:29 am
    Well, as they say, all good things must end. Or at least take a break. I started this blog over nine years ago simply to chronicle my financial thoughts and progress. Now, nearly a decade later, it's time to put down my keyboard. Whether that's for a moment or forever is yet to be determined. But as of now, it's clear that I need to take a break. The simple reason for this is that maintaining the blog is much more time and effort than I have at the moment. Even to write one post a week. Even to manage guest posts. It's just too much. Because running a functioning blog is not just posting.
  • Help a Reader: Maxing Out after Reaching 401k Limit

    NA
    15 Sep 2014 | 2:29 am
    Here's an email I recently received from a reader: Some background info: My baseline gross salary is $74k, but with recent overtime it's looking like I'm on pace to make closer to $85k this year. I've been contributing 30% pre-tax dollars to my company 401k plan. They match 50% up to the first 8% I contribute, so basically I get a free 4%. On my previous pay period, I hit my max $17,500 pre-tax contribution limit. In that same pay period, there was also a new line item for after-tax contribution spillover, so now I have $280 of after-tax money in my account. My max employer match is 4% if I…
  • Reader Profile: KP

    NA
    12 Sep 2014 | 2:29 am
    The following is the latest post in my "Reader Profiles" series. Each post in this series details the financial situation and challenges of an FMF reader. The purpose of this series is to help us all identify with people like us (in similar situations -- not all will be, of course, but eventually I'm sure you will find someone like you here), get to know the frequent commenters on the site, and hear some financial wisdom/challenges from people other than me. If you're interested in contributing to this series, then drop me an email. The series seems to be very popular with readers and I need…
  • Help a Reader: Dealing with a Pension

    NA
    10 Sep 2014 | 2:29 am
    Here's an email I recently received from a reader: I was hoping to get some help from your readers in determining my best option.I received an offer from a former employer with whom I am entitled to receive a pension when I turn 65.  I am currently 51.I have 3 options:     1. Do nothing.  When I turn 65 I would receive $187 a month for life with a 100% survivor payment for my wife.    2. Take a lump sum payout now of $13,705 which I could take as cash, rollover to an IRA or Roth IRA.    3. Take an immediate annuity that pays $67 a month for life with a 100% survivor payment for…
  • The New Retirement Rule?

    NA
    8 Sep 2014 | 2:29 am
    I'm not sure they were trying to do this, but I think Time magazine just came up with the new rule for having a great retirement nest egg. Their thoughts: Save 15% of pay for 30 years and you will be fine. Save for longer, and it gets much easier. A few thoughts: Ok, so the guideline isn't really theirs. It's from study done by the Center for Retirement Research at Boston College. I love the focus on time being more important than the amount saved. Plus the fact that return rate isn't even a factor! Isn't that what I said when I detailed The Best Way to Maximize Your Investment Return????
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    Money Crashers

  • 9 Ways to Make Your Clothes Look More Expensive & Fashionable

    Jacqueline Curtis
    18 Sep 2014 | 11:30 am
    With the beginning of fall comes New York Fashion Week (NYFW), a showcase of every new trend, must-have designer, and, of course, exorbitant prices. But let’s face it: The average American woman isn’t spending a cool $3,000 on a pair of Christian Louboutin boots, no matter how much the fashion magazines crow about their fall […] 9 Ways to Make Your Clothes Look More Expensive & Fashionable is a post from the Money Crashers personal finance blog.
  • What Is a D-U-N-S Number and What Is It Used For? (Dun & Bradstreet)

    Brian Martucci
    17 Sep 2014 | 11:30 am
    Everyone born in the United States receives a unique, nine-digit Social Security number at birth. Without this identifier, you can’t enjoy many of the perks that American citizens and legal residents take for granted, including retired and disabled worker benefits. Of course, you also need a Social Security number to file your taxes. Business entities don’t get – or […] What Is a D-U-N-S Number and What Is It Used For? (Dun & Bradstreet) is a post from the Money Crashers personal finance blog.
  • How to Save Money on a Wedding – Top 10 Ways

    Brian Martucci
    15 Sep 2014 | 3:00 pm
    In May 2014, after what seemed like an eternity of planning and worry, my wife and I got married in a small-town Iowa church, just steps from her old high school. Our reception was a few miles down the road in a beautiful river valley with a hundred-year-old barn. We were blessed to have a […] How to Save Money on a Wedding – Top 10 Ways is a post from the Money Crashers personal finance blog.
  • What Is a Reverse Mortgage (HECM) – How It Works, Pro & Cons

    Michael Lewis
    12 Sep 2014 | 6:00 am
    Many seniors struggle to make ends meet each month. At the same time, they often own thousands of dollars of real estate in the form of equity in their home. But unless they take action, that equity remains untouchable, unable to help them out with basic living expense. What’s worse is that mortgage payments further reduce […] What Is a Reverse Mortgage (HECM) – How It Works, Pro & Cons is a post from the Money Crashers personal finance blog.
  • 7 Factors That May Affect When You Retire – Reasons to Work Past Age 65

    Michael Lewis
    10 Sep 2014 | 1:00 pm
    In 2010, a Pew Research report indicated that three out of every four members of the workforce expect to keep working for pay after they retire. 60% of them believe this will be by choice, not necessity – but pre-retirees may be more optimistic than justified in their expectations. According to the Center of Retirement […] 7 Factors That May Affect When You Retire – Reasons to Work Past Age 65 is a post from the Money Crashers personal finance blog.
 
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    Mighty Bargain Hunter

  • It pays to be a reasonable customer

    John Wedding
    17 Sep 2014 | 10:14 pm
    I’m an oddball in a lot of ways.  And I’m on my way tomorrow to rub elbows with a whole bunch of other personal finance oddballs at FinCon14 down in New Orleans. I’m also an oddball because of my feet.  I have a clubfoot.  Thankfully I’ve been able to go for nearly 25 years without any operations, and in the grand scheme it’s a very, very minor problem.  I’ve known people with this problem that would never be able to walk. The small price I pay for my odd feet Around a year ago, I was tagged on Facebook to share seven things about myself.  Since…
  • The one person responsible for your financial decisions

    John Wedding
    13 Sep 2014 | 9:43 pm
    There is no shortage of personal finance advice available. I’ve been known to produce a bit myself here and there. There are recurring themes like “buy vs. rent,” “spend less than you earn,” “the magic of compounding,” and so forth which are the cornerstones of personal finance, saving, and retirement planning. They’re cornerstones because there’s a lot of wisdom behind them. Checklists and more checklists I ran across Richmond Savers today, which is run by a couple of CPAs in my part of the country.  The community is local to…
  • Buy wholesale with a personal supplier network

    John Wedding
    9 Sep 2014 | 12:33 am
    Economies of scale are a wonderful thing.  The more you’re willing to buy from a particular vendor, the better the unit price they’re inclined to give you.  Selling a thousand items a hundred times is a lot more work than selling fifty thousand items twice.  It’s less bookkeeping, less tracking, less shipping, and less labor to sell bigger chunks of your inventory at once. Likewise, businesses buy the materials for their operations in bulk all the time.  It’s part of being competitive, and profitable.  Lower expenses mean that businesses can price more…
  • Frugal, or cheap, or tacky?

    John Wedding
    6 Sep 2014 | 12:31 am
    Saving money, and spending less money, are two crucial activities for people looking to take, and maintain, control of their personal finances. And, as with most things, there are classy ways to go about it, and … less classy ways. On the spectrum of ways to spend less money openly, one can be (in order of decreasing classiness) frugal, cheap, or tacky. Merriam-Webster defines each in context: frugal – Characterized by or reflecting economy in the use of resources. cheap – Stingy; sparing or scant in using, giving, or spending. tacky – Characterized by lack of good…
  • Use money analogies to gain context

    John Wedding
    2 Sep 2014 | 8:59 pm
    Personal finance boils down to recognizing, and acting on, good deals in their proper context. What’s a wise finance decision for one person could easily be a foolish decision for another. In deciding whether something is a good deal, it’s often useful to quantify its cost in terms of something familiar.  While raw amounts like “$500″ do indeed quantify the cost, $500 could mean wildly different things to different people: $500 to the average laborer in Indonesia is nearly a year’s salary. $500 is a bit over two weeks’ pay to someone at the federal poverty…
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    Girls Just Wanna Have Funds

  • Hacking Into Debt Free Living with Ginger, Lori and Cher!

    Ginger
    16 Sep 2014 | 5:27 pm
    Girls (and guys) just want to have FUNDS right? But does having FUNDS = No fun? Join me as I chat with Lori about hacking into a debt free financial future. Tonight we’ll encourage accountability, share wealth building/credit slashing strategies and take the shame out of having debt! Join us TONIGHT to get inspired, learn some of her strategies and commit to getting back on track, so you can be in a credit crushing mindset way before your holiday shopping begins. Click here: https://plus.google.com/u/0/events/cu8i0nr4s6ppbg738ikpe7u8nvs to join us in 30 minutes!  
  • If You Want to go Bankrupt Do This First

    Ginger
    16 Sep 2014 | 4:50 am
    Hate it or love it, it is indisputable that President Obama’s Affordable Care Act was fueled by good intentions. Regardless of your politics, chances are you would agree with the conclusion that not having health insurance can be disastrous-not just for your medical health but for you financial one as well. That’s part of the driving force behind the Affordable Care Act. Lacking health insurance can be that devastating to the average American household. Imagine the breadwinner of your family getting taken out of commission by an illness. Not only does your household lose income,…
  • 15 Ways To Make Money On Fiverr.com

    Ginger
    15 Sep 2014 | 4:45 am
    Fiverr.com has exploded as the premier source of micro outsourced services on the Internet. Thanks to a multi-million dollar advertising campaign, it is increasingly very hard to find people who haven’t at least heard of Fiverr. Not surprisingly, more and more businesses, both online and offline, are using the services offered on Fiverr. As Fiverr’s ability to draw clients continues to explode, the good news is that there is more and more demand for whatever services you offer to the global market for digital services. Here are just fifteen ways you can make money on Fiverr.com.
  • 3 Ways To Save Money And Visit Palm Beach Aruba

    Ginger
    12 Sep 2014 | 4:02 am
    Vacations relieve stress and planned wisely, they can be  fun and economical ways to travel.  Read: cheap.   Palm Beach in Aruba is an extremely popular holiday destination. Why is this the case and what are some of the money-saving benefits that this pristine location has to offer? All About the Exchange…We first need to briefly consider finances. As the currency in Aruba is considered to be weaker than others, you’ll literally be able to experience more for less. While these rates will naturally fluctuate, it is safe to say that an amenable exchange is an important…
  • Wedding Planning 101: Save Cash While Saving the Date

    Ginger
    4 Sep 2014 | 5:33 am
    After the initial bliss of getting engaged wears off and reality sets in, the first thought about your upcoming nuptials may be “How are we going to afford the wedding?” If you can’t afford to spend thousands on a wedding, that’s perfectly fine. There are many options that can help you enjoy your special day without accumulating debt. And, there are ways to use credit to fund your wedding expenses to your advantage. The key is balancing cash and credit to your advantage with the goal in mind of remaining debt free after you’ve said your I do’s. Determine What’s Important After…
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    The Finance Buff

  • 2015 Social Security COLA

    Harry Sit
    17 Sep 2014 | 7:54 am
    The official announcement for 2015 Social Security COLA will come in October. With two out of three Consumer Price Index monthly numbers required for the calculation, I can estimate what it will come out to be. 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 August 2014 was 1.7% higher than the same measure a year ago in August 2013. The annual Social Security cost of living adjustments (COLA) uses a different CPI series, the CPI-W. It’s a similar situation there.
  • Retiring Early: Effect On Social Security Benefits

    Harry Sit
    2 Sep 2014 | 4:49 am
    Social Security has a flat 6.2% tax rate, up to the maximum wages covered by Social Security ($117k in 2014). Social Security benefits bear some positive relationship with your covered wages and the amount of taxes you paid on those wages. The higher your covered wages, and the higher the 6.2% Social Security taxes you paid, the higher your benefits. Social Security calculates benefits using your average earnings over 35 years. If you work less than 35 years, the rest of the years will be filled with zero. Therefore, up to 35 years, the more years you work, the higher your average earnings.
  • Merrill Edge + Bank of America = Free Trades + Free Checking + No ATM Fee

    Harry Sit
    25 Aug 2014 | 4:47 am
    I moved some ETFs from E*Trade to Merrill Edge. I also opened a new Bank of America checking account. The combo deal gives me free trades on any ETF and a free-everything checking account with branch access and  no ATM fee. Merrill Edge Merrill Edge is the self-directed online investing service from Merrill Lynch, which is owned by Bank of America. Among major discount brokers, Merrill Edge is relatively new and not as well known. Fidelity, Schwab, TD Ameritrade, and E*Trade have been around longer. Since its parent Merrill Lynch has a much larger brokerage business and a longer history,…
  • 2015 401k 403b IRA Contribution Limits

    Harry Sit
    19 Aug 2014 | 6:10 am
    The government released the Consumer Price Index for August 2014. Inflation is higher this year but still low by historical standard. Although we don’t have all the necessary numbers yet, because the way rounding works, I’m able to comfortably project the 2015 contribution limits for 401k/403b/457 plans. I’m also able to calculate the contribution limit for traditional and Roth IRAs, which only depends on the inflation numbers through August. 401k/403b/457 Elective Deferral Limit 401k/403b/457 contribution limit will increase by $500 to $18,000 in 2015. If you are age 50 or…
  • IRS Guidance On Circular Reference in Obamacare Premium Subsidy and Deduction

    Harry Sit
    11 Aug 2014 | 4:52 am
    Some of you may remember this post I wrote last year: Circular Reference In Self-Employed Health Insurance Deduction Under Obamacare Premium Subsidy. It pointed out a circular reference math problem between the premium subsidy under Obamacare and the health care premium deduction for the self-employed. If you are self-employed, the health care premium is deductible, which lowers your MAGI, which potentially qualifies you for a premium subsidy, which lowers the amount you can deduct because you can’t double dip, which raises your MAGI and reduces your premium subsidy, which increases the…
 
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    Maximizing Money

  • Amazon $10 Promo Code with $50 Gift Card Purchase – Targeted Offer

    Max Messner
    19 Sep 2014 | 1:10 pm
    Amazon.com will give you a free $10 promotional code with a $50 Gift Card purchase, valid for targeted customers only when you purchase the gift cards by September 30, 2014. Just click on this Amazon Gift Card Promo Link to see if you qualify for this offer. This offer has been around on and off recently, but this is a new offer again. The post Amazon $10 Promo Code with $50 Gift Card Purchase – Targeted Offer appeared first on Maximizing Money.
  • New Amazon Prime Referral Program Offers $5 Credits

    Max Messner
    19 Sep 2014 | 1:07 pm
    Amazon.com has introduced a new Amazon Prime Referral Program that allows any Amazon customer to earn a $5 credit when you refer your friends to join Amazon Prime. When your friends Join Amazon Prime and make a $5 purchase, you'll get a $5 credit toward your next Amazon purchase. The post New Amazon Prime Referral Program Offers $5 Credits appeared first on Maximizing Money.
  • Fandango U.S. Bank FlexPerks Travel Rewards Visa Signature Card Members 2-for-1 Movie Tickets on Fridays

    Max Messner
    19 Sep 2014 | 9:50 am
    Fandango is offering U.S. Bank FlexPerks Travel Rewards Visa Signature card members 2-for-1 movie tickets for any movie on Fridays, starting this Friday on September 19th and running through September 26, 2014. Plus, anybody with a Visa Signature card can get a $25 Fandango Gift Card for only $20. Check out these Fandango Visa Signature Movie Ticket Promotions to get 2-for-1 movie tickets on Fridays and 20% off gift cards. Review these additional Credit Card Promos for more credit card deals and card offers. The post Fandango U.S. Bank FlexPerks Travel Rewards Visa Signature Card Members…
  • Krispy Kreme Free Doughnut for Talk Like A Pirate Day – Sept. 19th

    Max Messner
    19 Sep 2014 | 9:45 am
    Krispy Kreme is offering a free doughnut for Talk Like A Pirate Day on Friday, September 19, 2014. Celebrate Talk Like A Pirate Day with a Free Krispy Kreme Doughnut. The post Krispy Kreme Free Doughnut for Talk Like A Pirate Day – Sept. 19th appeared first on Maximizing Money.
  • $15 iTunes Code for Only $10 via Groupon

    Max Messner
    19 Sep 2014 | 9:40 am
    Check out this deal to get a $15 iTunes Code for $10 via Groupon while supplies are available. The post $15 iTunes Code for Only $10 via Groupon appeared first on Maximizing Money.
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    Abacus Wealth Partners

  • Home Sweet Home

    Michelle Dench
    18 Sep 2014 | 1:50 pm
    My husband and I recently bought our first home. Here are my top five recommendations on the path to home ownership. Five Tips for Buying Your First Home Do be patient: A lot can happen between making an offer and closing the deal. It is easy to become emotionally attached to a new house. I found myself daydreaming about paint colors and carpets. And don’t even think about buying new furniture till the deed is signed! Do get organized: When buying a house, a plethora of financial documents and information are needed to complete the purchase. Getting preapproved by a bank or mortgage…
  • Keep Surprise Wedding Costs Under Control

    Neela Bushnell
    11 Sep 2014 | 4:16 pm
    You are getting married—congratulations! Now, prepare to have your wedding budget explode. Just think of Steve Martin in Father of the Bride and you will start to see what I mean. There are plenty of predictable costs in planning a wedding: renting a venue, enlisting a good photographer, the cost of food and drinks, hiring a DJ, etc. Turns out all of these things are more expensive than I would have predicted. (Does anyone else think there is a 25% premium added as soon as you say “wedding”?) Yet most people budget for them. But what about the surprise costs? Here are some of…
  • The Science of Marathon Investing

    Kari Jean Glosser
    4 Sep 2014 | 3:37 pm
    As I lace up my sneakers for a 6-mile run, I’m reminded of just how much training for a marathon is like investing for old age and retirement. Both require preparation, persistence and discipline to cover the long distance ahead. Finding the Right Coach Behind every great runner is a great coachthe person who through illness, injury, and defeat will stand by you and keep you moving in the right direction. Investing is no different. Financial advisors are there to educate and support their clients, as well as to guide them through the many ups and downs of the market. It’s much…
  • The Volatile-Income Saver

    Barrett Porter
    28 Aug 2014 | 10:27 am
    Ever heard the story of the guy who burned through a fortune worth $150 million and still had debts to pay? If only Cher could have delivered a second smack on the cheek of Nicolas Cage and another “Snap out of it!” Then maybe things would be different. One thing that’s certain with those who work in “the biz” is the lack of certainty around earning and saving. Volatile-income professionals (VIPs) of all types often share feelings of scarcity even in the midst of their big-income years. Here are a few ideas for those of you who are VIPs. When a Little Hoarding Is…
  • Guiding Financially Reckless Friends

    Spencer Sherman
    21 Aug 2014 | 3:53 pm
    In 2009, my close friend Ben, who is in his 60s, told me that he had just inherited $1 million. I told him about the Rainbow Portfolio™, which offers innovative sustainability screening and diversifies risk by allocating to seven distinct categories of stocks. “Your $1 million, if all goes well, will likely grow to over $2 million in 10 years. And you’ll be providing capital to the best business ideas all around the world.” But Ben’s friend Walter persuaded him to invest that same $1 million into a tech startup, telling him, “An investment into this tech…
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  • 'There shouldn't be a secret police file on me'

    19 Sep 2014 | 7:37 pm
    'There shouldn't be a secret police file on me'ASSOCIATED PRESSA rapidly expanding network that has been capturing the movements of millions of vehicles across the U.S. has many Americans crying foul.'Crazy, Nazi police-type stuff'In other newsPolice shoot man near St. LouisWoman calls cops of stuffed animal
  • Police: US man confesses to suitcase murder

    19 Sep 2014 | 7:37 pm
    Police: US man confesses to suitcase murderGettyBali officials said Friday that an American man confessed to killing his girlfriend's mother before stuffing her in a suitcase last month.His unsettling alleged motiveMore in the newsCoroner seeks to link murders College lifts cross ban
  • Fla. shooter had an extremely troubled past

    19 Sep 2014 | 7:37 pm
    Fla. shooter had an extremely troubled pastReutersDisturbing information has emerged about Don Spirit, the man who gunned down his adult daughter and her six children on Thursday.Relative he killed years agoMore newsCop killer on Most Wanted listUS prison population gets bigger
  • Heckler dragged out of Goodell's press event

    19 Sep 2014 | 7:37 pm
    Heckler dragged out of Goodell's press eventAPThe NFL commissioner was in the midst of addressing the Ray Rice domestic violence scandal when the Howard Stern writer busted in.Explosive message he screamedMore on this storyHow players reacted to newsOrder issued against Peterson
  • Barbaric ISIS scheme shakes Australians

    19 Sep 2014 | 7:37 pm
    Barbaric ISIS scheme shakes AustraliansFacebookA day after 800 Australian police conducted suburban raids to dismantle a brutal ISIS plot, more information has been revealed. Who militants were directed to killMore in the newsUkrainian president pleads for aidAlibaba sets IPO price
 
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  • 'There shouldn't be a secret police file on me'

    19 Sep 2014 | 7:37 pm
    'There shouldn't be a secret police file on me'ASSOCIATED PRESSA rapidly expanding network that has been capturing the movements of millions of vehicles across the U.S. has many Americans crying foul.'Crazy, Nazi police-type stuff'In other newsPolice shoot man near St. LouisWoman calls cops of stuffed animal
  • Police: US man confesses to suitcase murder

    19 Sep 2014 | 7:37 pm
    Police: US man confesses to suitcase murderGettyBali officials said Friday that an American man confessed to killing his girlfriend's mother before stuffing her in a suitcase last month.His unsettling alleged motiveMore in the newsCoroner seeks to link murders College lifts cross ban
  • Fla. shooter had an extremely troubled past

    19 Sep 2014 | 7:37 pm
    Fla. shooter had an extremely troubled pastReutersDisturbing information has emerged about Don Spirit, the man who gunned down his adult daughter and her six children on Thursday.Relative he killed years agoMore newsCop killer on Most Wanted listUS prison population gets bigger
  • Heckler dragged out of Goodell's press event

    19 Sep 2014 | 7:37 pm
    Heckler dragged out of Goodell's press eventAPThe NFL commissioner was in the midst of addressing the Ray Rice domestic violence scandal when the Howard Stern writer busted in.Explosive message he screamedMore on this storyHow players reacted to newsOrder issued against Peterson
  • Barbaric ISIS scheme shakes Australians

    19 Sep 2014 | 7:37 pm
    Barbaric ISIS scheme shakes AustraliansFacebookA day after 800 Australian police conducted suburban raids to dismantle a brutal ISIS plot, more information has been revealed. Who militants were directed to killMore in the newsUkrainian president pleads for aidAlibaba sets IPO price
  • add this feed to my.Alltop

  • 'There shouldn't be a secret police file on me'

    19 Sep 2014 | 7:37 pm
    'There shouldn't be a secret police file on me'ASSOCIATED PRESSA rapidly expanding network that has been capturing the movements of millions of vehicles across the U.S. has many Americans crying foul.'Crazy, Nazi police-type stuff'In other newsPolice shoot man near St. LouisWoman calls cops of stuffed animal
  • Police: US man confesses to suitcase murder

    19 Sep 2014 | 7:37 pm
    Police: US man confesses to suitcase murderGettyBali officials said Friday that an American man confessed to killing his girlfriend's mother before stuffing her in a suitcase last month.His unsettling alleged motiveMore in the newsCoroner seeks to link murders College lifts cross ban
  • Fla. shooter had an extremely troubled past

    19 Sep 2014 | 7:37 pm
    Fla. shooter had an extremely troubled pastReutersDisturbing information has emerged about Don Spirit, the man who gunned down his adult daughter and her six children on Thursday.Relative he killed years agoMore newsCop killer on Most Wanted listUS prison population gets bigger
  • Heckler dragged out of Goodell's press event

    19 Sep 2014 | 7:37 pm
    Heckler dragged out of Goodell's press eventAPThe NFL commissioner was in the midst of addressing the Ray Rice domestic violence scandal when the Howard Stern writer busted in.Explosive message he screamedMore on this storyHow players reacted to newsOrder issued against Peterson
  • Barbaric ISIS scheme shakes Australians

    19 Sep 2014 | 7:37 pm
    Barbaric ISIS scheme shakes AustraliansFacebookA day after 800 Australian police conducted suburban raids to dismantle a brutal ISIS plot, more information has been revealed. Who militants were directed to killMore in the newsUkrainian president pleads for aidAlibaba sets IPO price
  • add this feed to my.Alltop

  • 'There shouldn't be a secret police file on me'

    19 Sep 2014 | 7:37 pm
    'There shouldn't be a secret police file on me'ASSOCIATED PRESSA rapidly expanding network that has been capturing the movements of millions of vehicles across the U.S. has many Americans crying foul.'Crazy, Nazi police-type stuff'In other newsPolice shoot man near St. LouisWoman calls cops of stuffed animal
  • Police: US man confesses to suitcase murder

    19 Sep 2014 | 7:37 pm
    Police: US man confesses to suitcase murderGettyBali officials said Friday that an American man confessed to killing his girlfriend's mother before stuffing her in a suitcase last month.His unsettling alleged motiveMore in the newsCoroner seeks to link murders College lifts cross ban
  • Fla. shooter had an extremely troubled past

    19 Sep 2014 | 7:37 pm
    Fla. shooter had an extremely troubled pastReutersDisturbing information has emerged about Don Spirit, the man who gunned down his adult daughter and her six children on Thursday.Relative he killed years agoMore newsCop killer on Most Wanted listUS prison population gets bigger
  • Heckler dragged out of Goodell's press event

    19 Sep 2014 | 7:37 pm
    Heckler dragged out of Goodell's press eventAPThe NFL commissioner was in the midst of addressing the Ray Rice domestic violence scandal when the Howard Stern writer busted in.Explosive message he screamedMore on this storyHow players reacted to newsOrder issued against Peterson
  • Barbaric ISIS scheme shakes Australians

    19 Sep 2014 | 7:37 pm
    Barbaric ISIS scheme shakes AustraliansFacebookA day after 800 Australian police conducted suburban raids to dismantle a brutal ISIS plot, more information has been revealed. Who militants were directed to killMore in the newsUkrainian president pleads for aidAlibaba sets IPO price
 
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  • 'There shouldn't be a secret police file on me'

    19 Sep 2014 | 7:37 pm
    'There shouldn't be a secret police file on me'ASSOCIATED PRESSA rapidly expanding network that has been capturing the movements of millions of vehicles across the U.S. has many Americans crying foul.'Crazy, Nazi police-type stuff'In other newsPolice shoot man near St. LouisWoman calls cops of stuffed animal
  • Police: US man confesses to suitcase murder

    19 Sep 2014 | 7:37 pm
    Police: US man confesses to suitcase murderGettyBali officials said Friday that an American man confessed to killing his girlfriend's mother before stuffing her in a suitcase last month.His unsettling alleged motiveMore in the newsCoroner seeks to link murders College lifts cross ban
  • Fla. shooter had an extremely troubled past

    19 Sep 2014 | 7:37 pm
    Fla. shooter had an extremely troubled pastReutersDisturbing information has emerged about Don Spirit, the man who gunned down his adult daughter and her six children on Thursday.Relative he killed years agoMore newsCop killer on Most Wanted listUS prison population gets bigger
  • Heckler dragged out of Goodell's press event

    19 Sep 2014 | 7:37 pm
    Heckler dragged out of Goodell's press eventAPThe NFL commissioner was in the midst of addressing the Ray Rice domestic violence scandal when the Howard Stern writer busted in.Explosive message he screamedMore on this storyHow players reacted to newsOrder issued against Peterson
  • Barbaric ISIS scheme shakes Australians

    19 Sep 2014 | 7:37 pm
    Barbaric ISIS scheme shakes AustraliansFacebookA day after 800 Australian police conducted suburban raids to dismantle a brutal ISIS plot, more information has been revealed. Who militants were directed to killMore in the newsUkrainian president pleads for aidAlibaba sets IPO price
  • add this feed to my.Alltop

  • 'There shouldn't be a secret police file on me'

    19 Sep 2014 | 7:37 pm
    'There shouldn't be a secret police file on me'ASSOCIATED PRESSA rapidly expanding network that has been capturing the movements of millions of vehicles across the U.S. has many Americans crying foul.'Crazy, Nazi police-type stuff'In other newsPolice shoot man near St. LouisWoman calls cops of stuffed animal
  • Police: US man confesses to suitcase murder

    19 Sep 2014 | 7:37 pm
    Police: US man confesses to suitcase murderGettyBali officials said Friday that an American man confessed to killing his girlfriend's mother before stuffing her in a suitcase last month.His unsettling alleged motiveMore in the newsCoroner seeks to link murders College lifts cross ban
  • Fla. shooter had an extremely troubled past

    19 Sep 2014 | 7:37 pm
    Fla. shooter had an extremely troubled pastReutersDisturbing information has emerged about Don Spirit, the man who gunned down his adult daughter and her six children on Thursday.Relative he killed years agoMore newsCop killer on Most Wanted listUS prison population gets bigger
  • Heckler dragged out of Goodell's press event

    19 Sep 2014 | 7:37 pm
    Heckler dragged out of Goodell's press eventAPThe NFL commissioner was in the midst of addressing the Ray Rice domestic violence scandal when the Howard Stern writer busted in.Explosive message he screamedMore on this storyHow players reacted to newsOrder issued against Peterson
  • Barbaric ISIS scheme shakes Australians

    19 Sep 2014 | 7:37 pm
    Barbaric ISIS scheme shakes AustraliansFacebookA day after 800 Australian police conducted suburban raids to dismantle a brutal ISIS plot, more information has been revealed. Who militants were directed to killMore in the newsUkrainian president pleads for aidAlibaba sets IPO price
  • add this feed to my.Alltop

  • 'There shouldn't be a secret police file on me'

    19 Sep 2014 | 7:37 pm
    'There shouldn't be a secret police file on me'ASSOCIATED PRESSA rapidly expanding network that has been capturing the movements of millions of vehicles across the U.S. has many Americans crying foul.'Crazy, Nazi police-type stuff'In other newsPolice shoot man near St. LouisWoman calls cops of stuffed animal
  • Police: US man confesses to suitcase murder

    19 Sep 2014 | 7:37 pm
    Police: US man confesses to suitcase murderGettyBali officials said Friday that an American man confessed to killing his girlfriend's mother before stuffing her in a suitcase last month.His unsettling alleged motiveMore in the newsCoroner seeks to link murders College lifts cross ban
  • Fla. shooter had an extremely troubled past

    19 Sep 2014 | 7:37 pm
    Fla. shooter had an extremely troubled pastReutersDisturbing information has emerged about Don Spirit, the man who gunned down his adult daughter and her six children on Thursday.Relative he killed years agoMore newsCop killer on Most Wanted listUS prison population gets bigger
  • Heckler dragged out of Goodell's press event

    19 Sep 2014 | 7:37 pm
    Heckler dragged out of Goodell's press eventAPThe NFL commissioner was in the midst of addressing the Ray Rice domestic violence scandal when the Howard Stern writer busted in.Explosive message he screamedMore on this storyHow players reacted to newsOrder issued against Peterson
  • Barbaric ISIS scheme shakes Australians

    19 Sep 2014 | 7:37 pm
    Barbaric ISIS scheme shakes AustraliansFacebookA day after 800 Australian police conducted suburban raids to dismantle a brutal ISIS plot, more information has been revealed. Who militants were directed to killMore in the newsUkrainian president pleads for aidAlibaba sets IPO price
 
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  • 'There shouldn't be a secret police file on me'

    19 Sep 2014 | 7:37 pm
    'There shouldn't be a secret police file on me'ASSOCIATED PRESSA rapidly expanding network that has been capturing the movements of millions of vehicles across the U.S. has many Americans crying foul.'Crazy, Nazi police-type stuff'In other newsPolice shoot man near St. LouisWoman calls cops of stuffed animal
  • Police: US man confesses to suitcase murder

    19 Sep 2014 | 7:37 pm
    Police: US man confesses to suitcase murderGettyBali officials said Friday that an American man confessed to killing his girlfriend's mother before stuffing her in a suitcase last month.His unsettling alleged motiveMore in the newsCoroner seeks to link murders College lifts cross ban
  • Fla. shooter had an extremely troubled past

    19 Sep 2014 | 7:37 pm
    Fla. shooter had an extremely troubled pastReutersDisturbing information has emerged about Don Spirit, the man who gunned down his adult daughter and her six children on Thursday.Relative he killed years agoMore newsCop killer on Most Wanted listUS prison population gets bigger
  • Heckler dragged out of Goodell's press event

    19 Sep 2014 | 7:37 pm
    Heckler dragged out of Goodell's press eventAPThe NFL commissioner was in the midst of addressing the Ray Rice domestic violence scandal when the Howard Stern writer busted in.Explosive message he screamedMore on this storyHow players reacted to newsOrder issued against Peterson
  • Barbaric ISIS scheme shakes Australians

    19 Sep 2014 | 7:37 pm
    Barbaric ISIS scheme shakes AustraliansFacebookA day after 800 Australian police conducted suburban raids to dismantle a brutal ISIS plot, more information has been revealed. Who militants were directed to killMore in the newsUkrainian president pleads for aidAlibaba sets IPO price
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  • 'There shouldn't be a secret police file on me'

    19 Sep 2014 | 7:37 pm
    'There shouldn't be a secret police file on me'ASSOCIATED PRESSA rapidly expanding network that has been capturing the movements of millions of vehicles across the U.S. has many Americans crying foul.'Crazy, Nazi police-type stuff'In other newsPolice shoot man near St. LouisWoman calls cops of stuffed animal
  • Police: US man confesses to suitcase murder

    19 Sep 2014 | 7:37 pm
    Police: US man confesses to suitcase murderGettyBali officials said Friday that an American man confessed to killing his girlfriend's mother before stuffing her in a suitcase last month.His unsettling alleged motiveMore in the newsCoroner seeks to link murders College lifts cross ban
  • Fla. shooter had an extremely troubled past

    19 Sep 2014 | 7:37 pm
    Fla. shooter had an extremely troubled pastReutersDisturbing information has emerged about Don Spirit, the man who gunned down his adult daughter and her six children on Thursday.Relative he killed years agoMore newsCop killer on Most Wanted listUS prison population gets bigger
  • Heckler dragged out of Goodell's press event

    19 Sep 2014 | 7:37 pm
    Heckler dragged out of Goodell's press eventAPThe NFL commissioner was in the midst of addressing the Ray Rice domestic violence scandal when the Howard Stern writer busted in.Explosive message he screamedMore on this storyHow players reacted to newsOrder issued against Peterson
  • Barbaric ISIS scheme shakes Australians

    19 Sep 2014 | 7:37 pm
    Barbaric ISIS scheme shakes AustraliansFacebookA day after 800 Australian police conducted suburban raids to dismantle a brutal ISIS plot, more information has been revealed. Who militants were directed to killMore in the newsUkrainian president pleads for aidAlibaba sets IPO price
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  • 'There shouldn't be a secret police file on me'

    19 Sep 2014 | 7:37 pm
    'There shouldn't be a secret police file on me'ASSOCIATED PRESSA rapidly expanding network that has been capturing the movements of millions of vehicles across the U.S. has many Americans crying foul.'Crazy, Nazi police-type stuff'In other newsPolice shoot man near St. LouisWoman calls cops of stuffed animal
  • Police: US man confesses to suitcase murder

    19 Sep 2014 | 7:37 pm
    Police: US man confesses to suitcase murderGettyBali officials said Friday that an American man confessed to killing his girlfriend's mother before stuffing her in a suitcase last month.His unsettling alleged motiveMore in the newsCoroner seeks to link murders College lifts cross ban
  • Fla. shooter had an extremely troubled past

    19 Sep 2014 | 7:37 pm
    Fla. shooter had an extremely troubled pastReutersDisturbing information has emerged about Don Spirit, the man who gunned down his adult daughter and her six children on Thursday.Relative he killed years agoMore newsCop killer on Most Wanted listUS prison population gets bigger
  • Heckler dragged out of Goodell's press event

    19 Sep 2014 | 7:37 pm
    Heckler dragged out of Goodell's press eventAPThe NFL commissioner was in the midst of addressing the Ray Rice domestic violence scandal when the Howard Stern writer busted in.Explosive message he screamedMore on this storyHow players reacted to newsOrder issued against Peterson
  • Barbaric ISIS scheme shakes Australians

    19 Sep 2014 | 7:37 pm
    Barbaric ISIS scheme shakes AustraliansFacebookA day after 800 Australian police conducted suburban raids to dismantle a brutal ISIS plot, more information has been revealed. Who militants were directed to killMore in the newsUkrainian president pleads for aidAlibaba sets IPO price
 
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    Bible Money Matters

  • Should You Always Do What Makes The Most Financial Sense?

    Craig Ford
    17 Sep 2014 | 4:55 am
    Should you always do what make the most financial sense according the the calculator? Have you ever gone against the math to follow a dream? The post Should You Always Do What Makes The Most Financial Sense? appeared first on Bible Money Matters and was written by Craig Ford. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • Do You Know Where Your Money Is Going?

    Miranda Marquit
    16 Sep 2014 | 8:43 am
    Being aware of where your money is going, and what it's doing, is the first step to taking control of your finances, and getting things in order. The post Do You Know Where Your Money Is Going? appeared first on Bible Money Matters and was written by Miranda Marquit. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • Put Your Money To Work By Investing For The Long Term

    Peter Anderson
    15 Sep 2014 | 9:53 am
    When you first start out investing as a college graduate, or when you’ve finally been able to get rid of your debt, it can be daunting to know where to put your money, and what you should invest in. What will give your money the best returns?  What investments are lower risk, while still giving […] The post Put Your Money To Work By Investing For The Long Term appeared first on Bible Money Matters and was written by Peter Anderson. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • Remembering 9/11 10 Years Later: Where Were You On That Fateful Day?

    Peter Anderson
    11 Sep 2014 | 4:33 am
    For my generation September 11th has often been compared to Pearl Harbor, or the Kennedy assassination. Everyone remembers where they were on 9/11. This is my remembrance of where I was, and what I was thinking on that awful day. The post Remembering 9/11 10 Years Later: Where Were You On That Fateful Day? appeared first on Bible Money Matters and was written by Peter Anderson. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • Talking About Life Insurance: It’s Something You Should Do ASAP

    Peter Anderson
    9 Sep 2014 | 4:20 am
    Buying life insurance doesn't have to be an expensive proposition, and the protection it will buy your family will give you peace of mind. The post Talking About Life Insurance: It’s Something You Should Do ASAP 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

  • 5 Frugal Tips for Going Out to Eat on a Budget

    Linda
    19 Sep 2014 | 9:00 am
    I don’t know about you, but I love going out to eat! I love having good food prepared by a real chef and tasting new combinations of foods that I would have never thought of! For Bob and I, this is a luxury that we allow into our budget because it’s something we both really enjoy – not to mention the wonderful benefits we get from going on dates! But unfortunately, eating out regularly can get really expensive. Because we don’t really want to spend all our money on food, we are very conscious how much money we spend on this. Here’s how you can do it. 1. Split Meals…
  • 7 Reasons You Should Review Your Life Insurance Policy

    Jason Topp
    15 Sep 2014 | 8:00 am
    For some reason a lot of folks think once they buy a life insurance policy they can “set it and forget it” and they don’t give a second thought to asking good questions about their life insurance and addressing their insurance needs. I am a big believer in reviewing your financial plans at least annually, and a thorough look at your annual plan should give you a reason to review your life insurance needs. Figuring that you never have to review your insurance needs is one of the most common misconceptions about life insurance! But, if you don’t review your plan…
  • Your Emergency Fund Is For More Than Emergencies – Believe It!

    Joe
    12 Sep 2014 | 9:00 am
    Patrick and Teresa (fictitious names) were doing well. Or so it seemed. Patrick had a good-paying government job and Teresa was self-employed. They had a mortgage on a nice house and were making payments on a nearly-new car. They carried credit card debt, but “so does everyone,” they reasoned. Then the unexpected happened: Patrick had a heart attack. His prognosis was full recovery, but he would need to miss several months of work. The good news was that he had good health insurance. The not-so-good news was that he had accumulated very few sick days and even fewer vacation days – and…
  • The Parable of the Sower: A New Perspective

    Tim
    8 Sep 2014 | 9:00 am
    It’s fascinating to read the parables of Jesus because there always seems to be something new that comes from it. That’s how I feel about the parable of the sower. Take a few minutes to read one or more of the accounts: Matthew 13:1-23 Mark 4:1-20 Luke 8:1-15 The parable is simple: the sower (Christ) scatters his seed generously and it ends up on four different types of terrain. Some land on the side of the road, some on rocks, others in thorny soil, and some in good soil. The first three groups of seed die and the seed planted in the good soil flourishes. And we immediately say, “I…
  • The Top 6 Best Rated Banks of 2014 – Is Yours On The list?

    Kevin
    5 Sep 2014 | 9:00 am
    J.D. Powers released their annual review of the nation’s best banks, the J.D. Power 2014 Retail Banking Ratings. Rather than republishing their findings, we’re going to summarize them here by narrowing down the list to the top rated six regional banks in the US. These six banks were the only ones among dozens of banks – the best of the best in the US – that were rated “among the best” (the highest rating) for all of the criteria in the survey, which includes: Overall Satisfaction Product Offerings Facility Account Information Fees Account Activities Virtually none of the banks…
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    PT Money

  • The Top Secrets of Successful Retirees

    Philip Taylor
    18 Sep 2014 | 7:00 am
    What if you could take a glimpse into your retirement future? What would it look like? Would your retirement goals be obtained and would you be living the lifestyle you currently desire in the later years? While you can’t see your future self in the retirement years, you can learn from others who have traveled the similar paths and most importantly, have done so successfully. MoneyTips.com recently surveyed more than 500 Americans to uncover the secrets of successful retirees. The survey provides a lot of insight that can be used to either start your retirement plan, or even tweak your…
  • There Is No Spoon: Opting Out of the Consumerism Matrix

    Emily Guy Birken
    9 Sep 2014 | 11:48 am
    It’s hard for me to believe, but it’s been 15 years since the film The Matrix blew everyone’s mind. In the decade and a half since the film was released, the special effects and stunts that gave the movie such an overwhelming visual appeal have become standard and even clichéd. But the idea behind the film—that the world is nothing but an illusion—continues to resonate. And that’s because we are living in an illusion. An illusion of consumerism…that is built on debt. Here’s how it goes: We are told our entire lives that we need to buy things to be happy. Things like cars and…
  • 10 Tips to Help Debt Proof Your Christmas & Catch up on Christmas Savings

    Jason Price
    4 Sep 2014 | 12:37 pm
    As summer comes to a close people will soon begin thinking about fall plans and eventually, the holiday season. Yes, the holidays! I realize Christmas is 4 months away, but we all know that it will be here sooner than we think! Therefore, it’s important to consider the amount of money you have in your savings account as you certainly don’t want to be trying to figure out how to pay off Christmas credit card debt at the beginning of next year! Today’s post is dedicated to helping you debt proof your Christmas and help you catch up on Christmas savings, if you’ve been lagging behind.
  • Citi Double Cash Card Review – Double Cash Back has ARRIVED!

    Michael Pruser
    28 Aug 2014 | 9:00 pm
    Many years ago, the idea of a double cash back credit card was fairly common. With bank interest rates above 4% and the economy on the rise, credit card companies were doing whatever they could to bring in new business. Then, in the blink of an eye, big bonus offers and high cash back percentages were gone. Cards like the Chase Freedom and the Discover it have been the best of the best in terms of cash back credit cards, and they offer a meager 1% on all purchases. That was until today of course, when Citi announced a brand spankin new cash back credit card called the Citi Double Cash Card;…
  • Got Medical Debt? Here’s Good News About Its Effects On Your Credit Score

    Jason Price
    28 Aug 2014 | 2:09 pm
    According to the Wall Street Journal, 64 Million Americans have medical debt on their collection report.  That’s an astonishing number and certainly raises awareness and some concern for this financial issue.  People are fighting to get out of medical debt, or buried so deep they don’t know what to do. Is that you? Financial gurus advise people to save for emergency situations, such as with the unplanned medical expense. That’s certainly sound advice and the right place to start, but sometimes the basics of an emergency savings account aren’t enough to support a major illness or…
 
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    RetirementRevised

  • Extreme retirement abroad: How one footloose couple sees the world

    Mark Miller
    18 Sep 2014 | 3:45 pm
    Lynne and Tim Martin. Photo: Reto Klar. For Americans looking to retire abroad, deciding where to live can be a challenge. But Lynne and Tim Martin took that question off the table by deciding to retire everywhere and anywhere. In 2011 the couple opted for what might be called extreme retirement abroad: They sold their Paso Robles, California, home, jettisoned all but a few treasured possessions – which they put into a storage locker – and became nomads. Since then, they have lived in short-term rental apartments and houses around the world, usually found through HomeAway.com, the…
  • Time to declare “game over” for active fund management?

    Mark Miller
    12 Sep 2014 | 8:39 am
    Is it time to declare “game over” in the contest between active and passive fund management? Funds are pouring into Vanguard Group’s passively-managed index funds, with total assets at the firm nearing $3 trillion. No less a stock picking legend than Warren Buffett is endorsing passive – he has advised his own trustees to put 90 percent of his estate “in a very low-cost S&P 500 index fund (I suggest Vanguard’s).” The trend isn’t limited to Vanguard, of course. Morningstar reports that 68 percent of net fund sales over the past year have gone to passive funds, and they…
  • Retirement insecurity: Two studies underline housing and income challenges

    Mark Miller
    11 Sep 2014 | 9:17 am
    Next Monday marks the sixth anniversary of the bankruptcy filing of Lehman Brothers, a key event in the Wall Street meltdown that led to the Great Recession. The recession wreaked havoc on the retirement plans of millions of Americans, and two studies released last week suggest that most of us haven’t recovered well. The Joint Center for Housing Studies of Harvard University (JCHS) issued its findings on the challenges we face meeting the housing needs of an aging population in the years ahead. Meanwhile, the Federal Reserve Board released its triennial Survey of Consumer Finances…
  • Five ways to confront changing healthcare costs in retirement

    Mark Miller
    3 Sep 2014 | 6:00 am
    The cost of health care is one of the biggest out-of-pocket costs facing retirees–and for some, the challenge is getting tougher. Fifteen million retirees on Medicare get supplemental health insurance coverage from their former employers–and another 2 million retirees not yet eligible for Medicare receive primary coverage from their former workplaces, according to research by the Kaiser Family Foundation (KFF). But employer coverage is on the verge of major change that will leave retirees footing a larger share of the bill. For retirees over age 65, employer coverage typically…
  • A landmark law at 40: How well is ERISA protecting workers’ retirements?

    Mark Miller
    2 Sep 2014 | 7:50 pm
    President Gerald Ford signs the Employee Retirement Income Security Act on September 2, 1974. Every American who has retired with economic security – or hopes to – should know these two dates in our history: August 14, 1935, and September 2, 1974. The Social Security Act was signed into law by President Franklin D. Roosevelt in 1935, and 40 years ago today President Gerald Ford signed landmark pension reform legislation aimed at protecting the interests of Americans in private sector pension programs. The Employee Retirement Income Security Act (ERISA) was signed on Labor Day…
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    The Financial Blogger

  • Gone… Reading…

    The Financial Blogger
    12 Sep 2014 | 6:19 am
    It’s been quite a while since I wrote something on TFB. I was gone… reading the Why Café, a great book that I devoured in a single day. I won’t talk about the book, I’ll let you find it and read it. You will understand a little better after that. When the business is down – motivation takes a hit At one point, I just didn’t feel like writing anymore. I thought that instead of writing for writing I would just put the TFB project on a shelf and see how it goes.  I didn’t stop writing completely; I simply put this blog on the sidelines for a while.   As you probably already…
  • The Least Satisfactory Tax Return of my Life

    The Financial Blogger
    8 May 2014 | 3:49 am
      Last year, I decided to stop procrastinating with my tax return and completed everything in March. I was happily surprised to see how fast I got my tax refund back! I decided to do the same thing this year and I already cashed in my tax refund last week. Sometimes, the Government can be faster than you think!   WHAT IS A NOTICE OF ASSESSMENT   The notice of assessment (NOA) is the document you get back from the Government confirming how much you earned, your tax credits and how much you have paid in taxes. If you paid too much tax during the year, you get a nice check along…
  • Another Look at Leveraging

    The Financial Blogger
    6 May 2014 | 3:40 am
      A long time ago on this blog, I wrote several posts about the Smith Manœuvre. This was a very popular concept a few years ago. More precisely, before 2008.   The Smith Manoeuvre was born in Western Canada when several households decided to convert their mortgage debt into a tax-deductible debt. After all, if Americans have the right to deduct their interest on their mortgage, why couldn’t we? The Smith Manoeuvre allows that over time. If you are not familiar with this strategy, I recommend you read my articles here and there.   The problem with the Smith Manoeuvre is that…
  • How Much Do You Need To Live Comfortably?

    The Financial Blogger
    30 Apr 2014 | 3:52 am
        Last year, I went through all kinds of questioning about my budget, future, job and online company. I really needed to put down on paper how much I needed to live and create a comprehensive budget.   Doing this exercise was great not only to focus on debts but also to realize how much I needed to live the good life in my own terms. Some people only need a couple thousand per month to live comfortably while others think they couldn’t live without spending 10K a month. It’s all about your priorities and what makes you happy…   WHAT MAKES ME HAPPY IN MY DAY TO DAY?
  • March Monthly Income Report -58%

    The Financial Blogger
    28 Apr 2014 | 5:57 am
        Reporting your income online is always a two sided sword. This month, I have to face publicly the fact that my sites’ earnings tanked. Part of it is due to the fact that I was on vacation, but still, it shows how hectic a side-business income can be!   NEW PRESENTATION OF MY INCOME REPORT   The main reason why I decided to post this report again is actually for my own follow-up. Since I having our third child, my online business has been harder to manage. Producing this report helps me to keep track of my main goal: making 100K online in 2014. A few weeks ago I…
 
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    Intelligent Speculator

  • Ultimate Sustainable Dividend Portfolio – September 2014 Update – Moving Ahead

    IS
    18 Sep 2014 | 3:20 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. By that I mean having enough passive income to not “need” to work any longer. I track my progress every month and I’m looking at many different ways to get that done which include real estate, my own business, etc. That being said, the core of my strategy relies on income generated from my portfolios. The USDP, along with my ETF portfolio generate the bulk of my passive income and I decided to track this with a monthly post in…
  • Time To Get Out Of eBay ($EBAY)

    IS
    15 Sep 2014 | 2:00 am
    I’ve written a decent amount about eBay (EBAY) over the years and have generally been a believer. Today, as I take a new look at things, I’m not as convinced. Why? There area few reasons that I’ll get into. But the one thing that seems apparent is that the current web ecosystem plays ($AAPL, $GOOG, $FB, $AMZN, $MSFT) are now very much ready to take on eBay and I don’t think the company has been able to properly prepare itself. It’s not impossible to survive in such a context (Netflix ($NFLX) and Twitter ($TWTR) are 2 great examples but I feel like eBAY is about…
  • Closing 1 Trade ($PCLN, $P)

    IS
    15 Sep 2014 | 1:00 am
    Overall, it’s been an outstanding year for my long & short stock picks but today is one of those days where I’m closing a trade that’s a losing one. On August 4th, I did the following: -Long Priceline (PCLN) & Short Pandora (P) PCLN data by YCharts As you can see, things have not quite worked out. I thought the rationale of this trade seemed right (obviously) and I usually still believe that when I close losing trades. I’m changing my mind (slightly) on Pandora which I’ll surely explain a bit later on. Not saying I’m going to buy some, I’d…
  • Facebook ($FB) Increasingly Looking Like A Strong Ecosystem Play

    IS
    8 Sep 2014 | 2:00 am
    As I’ve stated several times over the past few years, I’m a big believer in the ecosystem play when it comes to technology stocks. I won’t get too much into why but you can certainly look at these posts for a better idea: -Ecosystems rule the world -Have you put your chips on the web ecosystems yet? Most of us would all agree that Google (GOOG), Apple (AAPL) and Microsoft (MSFT) all qualify as ecosystems. They are at the center of mobile and desktop worlds thanks to their control through the operating systems (Windows, iOS, Android) that has extended over time. I’ve…
  • Top 100 Dividend Stocks – September 2014 Edition – WIN Remains On Top

    IS
    3 Sep 2014 | 2:41 am
    It’s that time of the month again. Things are always slower in the summer in terms of news, dividend increases, etc. 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 portfolio and provide a good potential/downside risk ratio.
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    Don't Quit Your Day Job...

  • How to Multiply The Frequency of Digital Logic Clocks Using a PLL

    PK
    19 Sep 2014 | 4:30 am
    This is our third entry in the our series on digital clocks – those predictable duty cycle square waves that have improved modern life so immensely.  We first showed you how to multiply clocks using only digital logic.  Then we moved on from the hacks to a more useful application – dividing clocks using digital logic. Today, we throw off our digital shackles completely – we’re going to do a brief overview of PLLs, Phase Locked Loops. The Theory of the Phase Locked Loops So, how fast is your computer? Maybe I’m the first one breaking this to you, but there…
  • September 2014 Goal Assessment

    CameronDaniels
    16 Sep 2014 | 5:00 am
    At the end of last year, I stated that I wanted to pay down ~$34,000 in consumer debt (outside of my mortgage). I am writing today to report on both a level of success and a switch in strategy. How am I faring? In short: decently. I am not currently on track to hit my $34,000 this year. As of today, September 17th, I have ~$16,000 left to go. I want to revisit the reason behind my goals and update about how my strategy has changed. My colleague PK and I both have similar opinions about the stock market and liquidity in general at this point in our financial lives…. It is time to…
  • The DQYDJ Weekender

    PK
    14 Sep 2014 | 8:43 am
    Being from Boston and born into a family of Boston College Alumnis… that was a particularly painful loss yesterday. (Yes, worse than the Notre Dame losses… which weren’t all that unexpected, eh?) Well, it’s Sunday, and I haven’t shared my fantasy team yet.  10 team, let me know how I did on the auction: QB Aaron Rodgers 56 RB Jamaal Charles 65 RB Chris Johnson 11 RB/WR Steven Jackson 7 WR Randall Cobb 19 WR Vincent Jackson 11 TE Vernon Davis 11 D/ST Panthers D/ST 1 K Mason Crosby 1 BE Andre Ellington 9 BE Kendall Wright 2 BE Bishop Sankey 2 BE Terrance Williams…
  • My Current Asset Allocation

    PK
    11 Sep 2014 | 4:03 am
    When you follow an investment writer for a while, sometimes it’s impossible to pin down his or her exact thoughts on the market. Let’s face it – we writers are human, and as humans, we may present biased information without even knowing it.  That can come in a number of different forms – we might come off more bearish or bullish than we actually are, we might subconsciously be bragging about our smarter wins and hyping our well-timed moves… and, of course, we might avoid sharing our losses and our mis-timings.  Even without meaning to do it, this can throw off…
  • Actual Inflation and Dividend Adjusted Performance of the S&P 500 through Early September 2014

    PK
    8 Sep 2014 | 4:00 am
    Hey folks, I feel like I dropped the ball on this one – I had wanted to write this update of our adjustment series when the S&P 500 nominally closed over 2000 – but let me make it up to you with a little information on recent movements.  You see, although July 23rd had been holding the ‘actual adjusted closing high’ crown, we’ve actually recently busted through the adjusted return plateau – starting 8/20/2014, every close has been above the late July local maximum. Actual S&P 500 Returns – Inflation Adjusted, Dividends Reinvested Inflation is…
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    Quizzle Wire

  • Insurance: Are millennials setting up for financial disaster?

    Miranda Marquit
    19 Sep 2014 | 6:00 am
    Insurance is one of the best ways to protect your assets, but many millennials aren’t getting the coverage they need. According to an article from Daily Finance, many millennials aren’t covered by any type of insurance, whether it’s health insurance, auto insurance, or rental insurance. However, the lack of insurance isn’t the only thing disturbing about this millennial financial trend. Part of the reason that many millennials aren’t covered is due to the fact that many of them don’t think that they will have problems. If they do think that they might have problems, many…
  • Money Dos and Don’ts for College Freshmen

    Stephanie Halligan
    18 Sep 2014 | 6:00 am
    Ah, college. The start of a new chapter in life. These are the formative years where you’ll grow into an adult – and the years that you’ll have some of the biggest mistakes, er…learning opportunities, as you adjust to life on your own. And some of the easiest but more costly “learning opportunities” come in the form of your finances. So if you want to stretch your dollar across the entire school year (and have some money leftover for the summer), you’ll need to be smart about where your moolah goes. Here are some money Dos and Don’ts for your freshman year of college:…
  • Military veterans to receive mortgage protections

    Miranda Marquit
    17 Sep 2014 | 6:59 am
    Over the years, Congress has enacted laws designed to protect active-duty military servicemembers, as well as provide them with financial benefits and compensation beyond their pay. However, some military servicemembers aren’t receiving their full benefits. One of the benefits that some military servicemembers aren’t taking advantage of is the cap on mortgage rates. Servicemembers unaware of their benefits In some cases, military servicemembers are unaware of the benefits available to them. The Servicemembers Civil Relief Act (SCRA) outlines a number of benefits to military servicemembers…
  • Plan now to qualify for a home loan later

    Miranda Marquit
    17 Sep 2014 | 6:00 am
    A home is one of those things that you can’t just walk out and buy. In fact, most of us need to borrow a large amount of money in order to purchase a home. However, since a home loan is so large, and the bank is taking a risk on you, not just anyone can qualify for a home loan. If you know that you are going to need a mortgage at some point in the relatively near future, you need to prepare ahead of time. You need to plan now to qualify for a home loan later. Establish and maintain good credit The best thing you can do to prepare for a home loan later is to establish and maintain good…
  • Could Apple Pay replace credit cards?

    Miranda Marquit
    16 Sep 2014 | 12:00 pm
    Over the last few years, digital wallets have become increasingly common. A number of operating systems have tried to make it cool to ditch the physical credit cards in favor of carrying it all on a smart phone. Google and Visa have both introduced their versions of wallets that use technology that allows you to simply tap your phone on a terminal, or wave it in front of the terminal, in order to pay. However, even with the proliferation of smart phones, consumers (and retailers) have been slow to adopt the idea of a digital wallet. According to CNET, that could all change now that Apple has…
 
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    Get Out of Debt Guy

  • How Can I Get Sallie Mae to Settle My Student Loan Debt? – Julio

    Steve Rhode
    2 Sep 2014 | 11:14 am
    “Dear Steve, I have been paying on a $65,000 private student loan for about 4 years I worked out a deal where I pay interest only around $400 a month. None of the money goes to the actual principle. The original loan was for $30,000. Recently Sallie Mae started asking for $700 a month and ... The post How Can I Get Sallie Mae to Settle My Student Loan Debt? – Julio appeared first on...
  • Are Debt Collection Companies Hated Too Much?

    Steve Rhode
    2 Sep 2014 | 10:54 am
    There is no shortage of reasons to be upset at debt collectors. Some are just assholes. But the problem is not all are. Some debt collectors actually want to help people to find ways to repay their debt. They want to play by the rules and follow the regulations. The bad debt collectors just give ... The post Are Debt Collection Companies Hated Too Much? appeared first on Get Out of Debt Guy.
  • How Can I Repay My Sallie Mae Student Loans When I’m Broke?

    Steve Rhode
    2 Sep 2014 | 10:32 am
    “Dear Steve, I have 8 private tuition answer loans from Sallie Mae in the total amount of $138,000 taken out between 2004-2008. After school I was able to make some payments and paid the $150 forbearance fee. Then after the crash of the economy I have not found employment that would give me enough income ... The post How Can I Repay My Sallie Mae Student Loans When I’m Broke? appeared...
  • How Can I Get Rid of My Private Student Loans if I’m Disabled? – Wayne

    Steve Rhode
    2 Sep 2014 | 8:27 am
    “Dear Steve, I have had Federal and private student loans. I have Total & Permanent Disability discharge of the Federal loans. My private signature loans are with Sallie Mae. I have not been able to work forever. I have defaulted on the loans. I have not paid on the loans since Sept. 2010. The loans ... The post How Can I Get Rid of My Private Student Loans if I’m Disabled?...
  • Debt Settlement Nightmare Partially Over for Allegro Law Clients

    Steve Rhode
    31 Aug 2014 | 10:06 am
    Back in 2009 one of the first debt settlement companies to colossally meltdown was a lawyer run company, Allegro Law. This case involved not only Keith Nelms, Esq. but dragged in groups like Americorp and people like Tim McCallan. A couple of days ago the Trustee in the Allegro Law bankruptcy case had finally cleared ... The post Debt Settlement Nightmare Partially Over for Allegro Law Clients...
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    Credit Card Chaser

  • 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…
  • The Four Stages of Your Finances

    Alice
    10 Sep 2014 | 1:49 pm
    We take for granted that there are stages of our lives we each go through, such as childhood, youth, middle-aged and elderly. So it is with our financial life, which also has, or should have, at least four major stages. Not everyone completes all four, but each of us should be aware of what those stages are, what is required to reach them, and the financial goals we should be pursuing at each stage. Stage One – Survival Most of us have been in this simplest financial stage at some point in our lives. In fact, some people never leave it. For many this is often the beginning stage of…
  • Bad Credit Credit Cards

    Logan
    3 Sep 2014 | 11:27 am
    Bad credit credit cards are a special tool developed by the banking and lending industry that are designed to help consumers reestablish a good credit rating. When you have bad credit, there are many important things that you can lose access to such as a checking account, affordable car insurance, and even a job. Good credit is needed when you want to purchase a home, buy a car, or get a loan. Unfortunately, this is a cycle that is hard to break. The more you try to get out of the situation created by bad credit, the deeper it gets. But there are credit cards available specifically for those…
  • Can Student Loans Be Forgiven?

    Alice
    28 Aug 2014 | 3:50 pm
    With the aggregate national student loan debt now at more than $1 trillion, many people are increasingly finding themselves in difficult financial situations. The question of reducing or forgiving student loans is therefore becoming increasingly common. The average student loan debt for the class of 2014 is approximately $33,000 – the highest amount ever for any graduating class. For those that cannot fully pay back the debt, the balance grows and becomes higher and higher over time. For people in financial distress as a result of student loans, the possibility to reduce or even…
  • Saving on Back to School Shopping

    Alice
    15 Aug 2014 | 9:48 am
    There never seems to be enough money for parents of small children or college students looking to buy clothes and supplies for the upcoming school year. However, there are ways that those who need to get their kids or themselves ready for the upcoming school year to buy all needed items without breaking the budget. What are some ways to create a back to school budget and stick to that budget? Part I- Create a Plan Get a List of Supplies The first step is to create a list of everything that is needed to prepare yourself or your children for the upcoming school year. Kids who are in elementary…
 
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    Ready To Be Rich » Ready To Be Rich

  • The Story of Mr. Real Estate and Mr. Stock Market

    Fitz
    16 Sep 2014 | 2:08 pm
    Mr. Real Estate and Mr. Stock Market are brothers and back in 1992, their grandfather died and left each of them one million pesos. “Invest the money and make it grow,” advised their parents. So that’s what they did. Mr. Real Estate saw a property for sale right in the heart of Makati’s Central Business […]Note:This is just a preview. Read the full article at Ready To Be Rich by clicking this link: The Story of Mr. Real Estate and Mr. Stock MarketAttend the Family Finances WorkshopLearn how to create a do-it-yourself educational plan for your child. Click here…
  • Video: How To Manage Your Family’s Income

    Fitz
    14 Sep 2014 | 1:40 pm
    Last week, I was invited to guest in 9TV Philippines Daybreak to talk about family finances for their Wise Spending Wednesdays segment. If you missed it, then below is the video replay, which I hope you find informative. Read more about the Family Finances Workshop here or you can register for it today through the […]Note:This is just a preview. Read the full article at Ready To Be Rich by clicking this link: Video: How To Manage Your Family’s IncomeAttend the Family Finances WorkshopLearn how to create a do-it-yourself educational plan for your child. Click here for more info.
  • The WHYPOWER Attribute

    Fitz
    10 Sep 2014 | 11:51 pm
    It’s always wonderful to meet people whose lives have been transformed because of financial education. They’re ordinary people, who used to believe that life is a constant struggle. But because they learned how to properly manage their finances, they now see life as abundant and opportunity-rich. Such is the case of April, who shares with […]Note:This is just a preview. Read the full article at Ready To Be Rich by clicking this link: The WHYPOWER AttributeAttend the Family Finances WorkshopLearn how to create a do-it-yourself educational plan for your child. Click here for…
  • On Entrepreneurship, Dreamers and World Changers

    Fitz
    8 Sep 2014 | 3:54 pm
    A friend went to a coffee shop one morning and after he gave his order, the barista asked him, “Going to work, sir?” With a stern face, my friend replied, “Going to change the world.” The barista, who was probably caught off guard with my friend’s reply, smiled and then answered, “Kaya pala double tall […]Note:This is just a preview. Read the full article at Ready To Be Rich by clicking this link: On Entrepreneurship, Dreamers and World ChangersAttend the Family Finances WorkshopLearn how to create a do-it-yourself educational plan for your child.
  • My Credit Card Story Part 2

    Fitz
    3 Sep 2014 | 11:12 am
    I’m currently on vacation so I’m letting one of my friends, Carlos, share his story today. Last year, he wrote an article about credit cards, which you can read here: My Credit Card Story (Part 1). In that post, he shared how he got his first credit card, and his realization that credit cards are […]Note:This is just a preview. Read the full article at Ready To Be Rich by clicking this link: My Credit Card Story Part 2Attend the Family Finances WorkshopLearn how to create a do-it-yourself educational plan for your child. Click here for more info.
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    Cash Flow Planning for Life

  • 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…
  • Is Your Retirement Planning Built on “3 Key Plans”?

    Mark
    27 Jun 2014 | 7:00 am
    Have you put off planning for your retirement because you find it daunting and intimidating? Are you familiar with the “3 Key Plans” you need to have in place to build a solid retirement plan? Visualize yourself on a “three-legged stool”, each leg is a different plan that is vital to your retirement planning. All three legs have one thing in common – all of them need to support you! Each leg must be strong, balanced, and able to support you during your retirement. So what are the three plans? 1) Social Security Plan 2) Retirement Asset Plan 3) Personal Savings Plan…
  • Social Security – 7 Easy Tips

    Mark
    4 Jun 2014 | 1:30 pm
    Do you understand how social security works? Are you planning for your retirement? Do you know when you’ll want to start collecting your social security? The Social Security Act was signed into existence in 1935. At that time, the full retirement age was 65 and life expectancy was only 62. Things have changed. People are living longer, and it’s easy to understand why the social security trust fund is struggling. It is now set up with different retirement ages. To qualify for social security benefits, you must of earned 40 social security credits by working in a job and paying Social…
 
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    JoeTaxpayer

  • 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…
  • Are We Close to the Age of Solar?

    Joe
    25 Jul 2014 | 4:00 am
    When we look at where we were just a decade ago, Solar Power has come a long way. The little solar voltaic cells were enough to power a calculator, and I thought of it as saving me $5 every year or two for as long as owned it. In hindsight, it was less about the $5 and more about having a dead calculator when it mattered most. We’ve come a long way and solar now seems to be hitting the mainstream, getting close to the point where it’s economical to power one’s home from these panels during the day. I specify day as there’s still a bit of an issue with storage of excess…
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    Simplified Saving

  • Deuteronomy 31:6 Verse of the Day

    Lisa Thompson
    19 Sep 2014 | 4:00 am
    Today’s Verse of the Day is Deuteronomy 31:6. “Be strong and courageous. Do not be afraid or terrified because of them, for the Lord your God goes with you; he will never leave you nor forsake you.”
  • Cupcake Bath Bombs {Day 2: 100 Days of Christmas Craftiness}

    Lisa Thompson
    18 Sep 2014 | 11:52 am
    If you’re looking to give the gift of relaxation, I highly recommend these Cupcake Bath Bombs.  They are super easy to make and are inexpensive too.  Consider giving one as a teacher’s gift with a tag that says “You’re the bomb!” or give them to all your girlfriends. Click here to see all the projects in the 100 Days of Christmas Craftiness.
  • Psalm 18:32-36 {Verse of the Day}

    Lisa Thompson
    18 Sep 2014 | 11:20 am
    Today’s Verse of the Day is Psalm 18:32-36. It is God who arms me with strength and makes my way perfect. He makes my feet like the feet of a deer; he enables me to stand on the heights. He trains my hands for battle; my arms can bend a bow of bronze. You give me your shield of victory, and your right hand sustains me; you stoop down to make me great. You broaden the path beneath me, so that my ankles do not turn.  
  • DIY Glitter Ornaments {Day 1: 100 Days of Christmas Craftiness}

    Lisa Thompson
    17 Sep 2014 | 7:00 am
    Glitter ornaments are one of my favorite Christmas crafts.  They’re also the starting point for many other craft projects that I make at Christmas time, so I thought this was the perfect project for Day 1 of 100 Day of Christmas Craftiness! Here’s what you’ll need: Clear ornaments (you can use glass or plastic, but I would definitely use plastic if you’re doing this with kids) Glitter (I really like the way extra fine glitter works) Pledge Floor Care Multi Surface (they discontinued the Pledge Floor Care shown in the picture above but the Multi Surface works just as…
  • John 16:33 {Verse of the Day}

    Lisa Thompson
    17 Sep 2014 | 4:00 am
    Today’s Verse of the Day is John 16:33. I have told you these things, so that in me you may have peace. In this world you will have trouble. But take heart! I have overcome the world.  
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    Personal Dividends

  • Limit Risk During Retirement: What Can You Do?

    Tom Drake
    18 Sep 2014 | 5:00 am
    According to a recent study published by MoneyTips.com, 49 percent of retirees worry about their financial situation. Even though these retirees might be successful, they are plagued with concerns about the future, and whether or not they will live to fight another day with their finances. Running out of money during retirement is a big worry. So, in order to reduce some of that risk, many successful retirees take specific steps to make their money go further. As part of my involvement in The Retiree Next Door movement, spearheaded by MoneyTips.com and FinCon, I wanted to look at some of…
  • Before You Pay Your Medical Bill: 3 Questions to Ask

    Miranda Marquit
    16 Sep 2014 | 5:00 am
    As health care costs continue to rise, it can be discouraging to know that you are going to have to go in for a procedure. This is especially true when a hospital stay is involved. Once you see that total bill, your stomach will probably sink right to your toes. And that’s for people who have health insurance to help take care of costs. Before you pay the bill, though, it makes sense to take a step back and evaluate the situation. It’s long been known that medical billing errors are fairly common, with somewhere between 30 percent and 40 percent of bills likely to contain errors.
  • How Do You View Life Insurance? Is It an Asset?

    Tom Drake
    9 Sep 2014 | 3:00 am
    One of the basics of financial planing is to understand the difference between assets and liabilities. When you start looking at where you spend your money, it’s usually pretty easy to decide whether something should be considered an asset or a liability. Life insurance, though, isn’t always so easy to classify. Because you aren’t likely to benefit from life insurance, it’s hard to see it as an asset. However, it is something that could be considered an important part of your family’s finances. But there are already many families that view life insurance as an…
  • CIMA: The Four-letter Word Your Resume Shouldn’t Do Without

    Tom Drake
    8 Sep 2014 | 5:00 am
    Are you a financial professional? Are you looking for your big break? Perhaps you are working on an undergraduate degree in financial services and wondering what certifications you should pursue. Whether you are new to the numbers game or a seasoned vet, you have every right to be confused about your next step. There are more professional certifications than you can count. They all sound very similar. They are all a big investment in upfront time, treasure, and talent. Choosing between them can often feel like choosing between strawberry cheesecake and key lime pie. Allow me to make a case…
  • 6 Unexpected Side Effects of Bad Credit

    Tom Drake
    3 Sep 2014 | 5:00 am
    If you think bad credit isn’t a big deal — think again. The truth is, credit issues can have a crippling affect on all facets of your financial life. So, before you shrug off a low score, here’s a look at six side effects of bad credit. 1. You’ll pay higher security deposits If you’re renting an apartment or ordering a utility service, the landlord and utility company will run a credit check. And unfortunately, if you have a low credit score, you might have to pay a higher security deposit. The deposit might be as much as two or three times the cost paid by someone…
 
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    Money Watch

  • TransferWise Redesigns & Relaunches

    Rob Lewis
    17 Sep 2014 | 3:52 pm
    Having never had any need to use them, I’ve never really taken too much notice about international money transfer services. However a press release I received about TransferWise piqued my interest, largely down to the service’s origins and rapid growth. TransferWise allows people to transfer money abroad at a lower cost than they could through banks. It uses technology to remove all the fees the foreign exchange industry has kept hidden for decades. Since its creation in 2011, customers have already moved more than £1bn using the platform – an approach that has saved them…
  • Video: Apple Pay In Action

    Rob Lewis
    10 Sep 2014 | 3:10 pm
    Leaving aside Apple’s latest shiny hardware, in the shape of the iPhone 6, iPhone 6+ and the forthcoming Apple Watch, for those of us interested in personal finance, the most important announcement at yesterday’s event was the launch of Apple’s mobile payment system, Apple Pay. Using Apple’s Passbook app (which up until now had provided limited use), users will be able to add their credit card details, to be stored in a secure part of their phone, and then pay for items either with a passcode (PIN) or more conveniently, using their fingerprint, thanks to the Touch…
  • MoneyDashboard Adds New Functionality

    Rob Lewis
    19 Aug 2014 | 1:56 pm
    MoneyDashboard have recently added a few new features to their site to help improve the management of the accounts you aggregate through their service. They’re hoping that the following features will make it easier to manage your money through the site: Add additional financial items – if you’ve got accounts which don’t have online access, or assets you wish to add manually, such as your house price, then you can now enter them. You can edit and update them in the future as their values change. This is something I’ve done on Yodlee for a while; getting a recent…
  • goHenry vs Osper

    Rob Lewis
    7 Jul 2014 | 2:55 pm
    Following my post on Osper a few days ago, a similar service offering pre-paid debit cards to children, goHenry, was bought to my attention. I hadn’t realised that I’d actually blogged about goHenry before, at the start of 2013, following its launch in November 2013, when it was known by its previous name, PKTMNY. Over the 18 months since launch, goHenry has been working with its user base to develop and enhance the features of the app and website that hopes to teach children about money. Its efforts have recently been rewarded by 50,000 parents at the Loved by Parents awards who…
  • Osper: Debit Card For Kids, Managed By Parents

    Rob Lewis
    30 Jun 2014 | 3:13 pm
    Osper is a new prepaid debit card for 8 to 18 year olds which allows them to access their money online, in most shops, at cash machines and even abroad. From a parent’s perspective, the card allows them to load up cash to be spent safely (with no overspending possible!), keep track of what has been spent and help their kids reach savings goals. As the card is backed by MasterCard, it can be used in a large number of stores and online services (such as iTunes), yet there is a useful safety feature which prevents the card being used in certain places, such as for gambling, massage…
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    Yes, I Am Cheap

  • Get A New iPhone? Heck No!

    Sandy Smith
    12 Sep 2014 | 11:11 am
    Every Fall a strange phenomenon happens within the U.S; hordes of people with money to burn line up outside of their local Apple store days ahead of a potential announcement to be the first in line to toss money at a “genius” before scurrying off with the latest gadget.  This year my friends, the latest gadgets are phones from Apple.  Before I go on, I have to make a full disclaimer that the only Apple product that has ever entered my home came off of a tree, and unless they were in a pie I wasn’t too fond of them either. I have the pleasure of working in Manhattan some…
  • Don’t Invest In Yourself Until You’re Debt Free

    Sandy Smith
    4 Sep 2014 | 10:15 am
    I’m a bit of a social media junkie.  That is to say, my Twitter feed is more alive and buzzing than a bee hive.  My Twitter feed is completely devoted to personal finance so that I can keep on top of new developments within the industry and bring you the latest information possible. I also have one off people in my stream primarily devoted to entrepreneurship because, as you know, I believe that a small business can be the key to financial success.  Anyway, one such individual who I follow is Mark Cuban.  For those of you unfamiliar, Mark is an American businessman and investor…
  • 3 Simple DIY Projects That Will Save You Money

    Sandy Smith
    24 Aug 2014 | 9:53 pm
    You might hear the words, “Do it yourself” and the butterflies in your stomach awaken (and bounce around for a while). I admit that there are quite a few stories out there where a DIY project has gone terribly wrong and may have even cost the homeowner more (after something has exploded) to eventually get the issue fixed by a professional. But, for every one horror story, there are at least 10 success stories. With all of the help out there online, there is certainly enough information to learn how a project is done, and that DIY project can typically be completed with ease and for an…
  • My Carpets are Ruined! Will My Homeowners Insurance Replace Them?

    Sponsor
    24 Aug 2014 | 7:48 pm
    When many people think of a home insurance claim, they think of major damage, such as storm damage, fires, floods, and other potentially catastrophic events. The idea of homeowners insurance in most people’s minds is to protect you and your family from damage so extensive that you’d never be able to afford fixing it on your own in a reasonable amount of time. In other words, your savings account might not cover the cost of fixing that gigantic hole in the roof, but you need to find a way to keep your family out of the rain tomorrow. While it’s true that nearly all home insurance…
  • Mom Fired For Working At McDonald’s While Kid Plays In Park…Was She Wrong?

    Sandy Smith
    28 Jul 2014 | 7:56 am
    Despite my headline, let me first say that it appears as if McDonald’s has communicated with this mom’s attorney that there was a misunderstanding about her employment status and that she been offered the right to return to work. See what had happened was, Debra Harrell, a McDonald’s employee in North Augusta, South Carolina was arrested and charged with a felony with unlawful neglect towards a child for leaving her 9 year old daughter in a playground for hours at a time while she worked at the nearby McDonald’s. The girl would then make the 1.5 mile trek to the…
 
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    Money Reasons

  • The Hurdles With Helping Others Financially

    Money Reasons
    15 Sep 2014 | 9:42 am
    I’m all about experimenting, I guess it’s the scientist in me that keeps trying to breakout of my work life that consists of a repeating grind that is way to familiar.Recently, I decided to try an new financial experiment where I would take an attractive female or male (mostly female because I’m not a good judge of what an attractive male is), and try to teaching that person what I know and set them on a course of action that would improve their financial live  The person that I would teach would have to be willing and have capabilities beyond just good looks, so I’d…
  • The Real Financial Independence Crossover Point

    Money Reasons
    2 Sep 2014 | 9:39 am
    The crossover point of financial independence isn’t where you’ve been told.  Let me explain…You see the crossover point where you are now considered financially independent and work is optional isn’t really the point that you think it is, instead it is just another financial milestone on the journey to financial independence…The real crossover point of financial independence is much higher that point where your income equals your expenses.  So let’s say that you calculate that you need an even million for financial independence.  So if you have one…
  • Pulling The Family Sled

    Money Reasons
    1 Sep 2014 | 8:07 am
    In my family, I pull the financial sled alone.As I watch my friends become rich along with their working wife, husband or significant others, I can’t help look at them with a quiet envy as I pull the family sled alone.  I feel alienated, and slowly over years I avoid more fortunate friends as I find myself succumbing to my embarrassing, hidden envy.  They talk about retirement at an age that I will not be able to match, because as they and their companion,  both pull the sled, at my home, it’s just me.  They talk about their great partnership and the enjoyment of life with…
  • Which types of people and groups are not eligible for life insurance?

    Money Reasons
    21 Aug 2014 | 8:09 pm
    I’ve recently read some interesting information about the types of people and groups that are not eligible for life insurance that I’d like to cover with you!Are there any Groups of People who can’t get Life Insurance?You may be wondering if you’re within a section of the population that may struggle to find a life insurance provision. It can be difficult for some people to get a plan, and potentially expensive, but there are provisions in place for some groups who find it difficult to get private life insurance.It’s often said that you can only buy insurance when you…
  • Real Estate Search – Marble Restoration Edition

    Money Reasons
    20 Aug 2014 | 9:57 am
    Lately, I’ve been pretty busy!So what am I doing that is dominating my time?  2 words… Real Estate!I’m both looking for a slightly bigger house and/or a decent piece of rental property to purchase.So why is this called the “Marble Restoration” Edition?  Well basically I found a pretty decent house, but the marble bathrooms (and in particular the showers) in the larger house has some aged but still pretty marble areas.  While the house in general looks amazing, the granite has a somewhat shoddy looks and needs restored or replaced.At first, I thought about…
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    Smart Balance Transfers

  • Best Travel Rewards Promotions For September

    Jason Steele
    19 Sep 2014 | 4:00 am
    Credit cards users love travel rewards as it allows them to earn free travel in exchange for their loyalty. While one or two percent cash back is nice, it just doesn’t have the appeal of a free trip to one’s favorite destination. This September, there are several great travel rewards promotions available to credit card […]
  • Best Balance Transfer Offers For September

    Jason Steele
    17 Sep 2014 | 4:00 am
    Its easy to get into credit card debt, but it can be extremely difficult to pay it off. Making matters worse are high interest rates that keep adding to the amount owed. To get out of this cycle, cardholders can utilize a credit card with a 0% APR promotional balance transfer offer. Here are some […]
  • The Credit Card For People Who Don’t Like Credit Cards

    Jason Steele
    15 Sep 2014 | 4:00 am
    Not everyone loves their credit cards. When a payment arrives late by accident, cardholders may have to pay expensive late fees and interest charges, and their APR may even rise to a much higher penalty interest rate. Frankly, some credit card users have no interest in giving their business to a company that is bent […]
  • Rewards Pro – Considering Fixed Value Rewards Over Airline Miles

    Jason Steele
    12 Sep 2014 | 4:00 am
    The airline industry has finally become profitable on a consistent basis, and some carriers are now actually doing quite well as the industry consolidates. These trends might explain why carriers are being less generous with their frequent flier programs. They are still handing out plenty of miles from their credit cards, although both Delta and […]
  • Ask the Professors: What is the Hardest Thing about Personal Finance for Students?

    Jeff Weber
    11 Sep 2014 | 5:10 pm
    Understanding personal finance is something that many people are still trying to master with each passing year, so when you’re a student personal finance can seem like a lot to handle at first. Whether you’re still in school or still trying to improve your finances, getting all of the advice you can get as soon […]
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    Credit.com

  • From Studio 8H, It’s the Saturday Night Live Credit Card

    Christine DiGangi
    18 Sep 2014 | 9:01 pm
    Comenity Bank recently released a rewards credit card for entertainment enthusiasts: the Saturday Night Live MasterCard. Comenity manages more than 125 retail credit programs, according to its website, offering rewards programs for brand-loyal customers. For SNL credit cardholders, the bulk of those rewards points will come from making entertainment-related purchases, and points can be redeemed for “exclusive content, merchandise and even tickets,” the card site says. The SNL Credit Card Perhaps you’re thinking, “At last! A card that will reward me for purchasing all…
  • Could Selfies Stop Credit Card Fraud?

    Christine DiGangi
    18 Sep 2014 | 9:01 pm
    One of the UAE’s largest banks, FGB, is offering a credit card with your face on it. Well, you don’t have to put your face on it, but this customizable product gives consumers the option of choosing a selfie for the card design, The National reports. Custom card design isn’t a new concept — for example, Capital One has an Image Card tool that allows many of its customers to upload images they’d like on their cards, as long as they’re appropriate, non-copyrighted photos — but putting a selfie on your credit card could serve a purpose beyond creativity and…
  • Owner of 4 H&R Blocks Pleads Guilty to Identity Theft

    Christine DiGangi
    18 Sep 2014 | 9:01 pm
    File this one under “People you think you can trust but actually can’t”: An owner of four H&R Block franchises in Virginia pleaded guilty to a felony count of aggravated identity theft, after she admitted to opening lines of credit for herself, using clients’ personal information. Sherry R. Kelley, 41, faces a mandatory minimum of two years in prison, DelmarvaNow reports, and she will be sentenced in January 2015. Authorities started investigating Kelley after a customer felt unsettled by an interaction with her. According to the DelmarvaNow report, Kelley urged…
  • 6 Financial Moves to Help You Sleep Better at Night

    AJ Smith
    18 Sep 2014 | 9:01 pm
    Have you ever spent sleepless nights worrying about your finances? Between battling debt, working to pay off a mortgage and planning for retirement, there is plenty to think about. But don’t let these worries keep you up at night — take action. Check out some money decisions that will help you rest easy. 1. Track Your Spending & Create a Budget Examine your recent bank and credit card statements. Be sure your current expenses are less than your income and make changes if you are spending more than you earn. Formulate a budget that covers all of life’s essentials without being…
  • I Lost $70K Playing Fantasy Football

    Christine DiGangi
    18 Sep 2014 | 9:01 pm
    Alex Stein loves watching football, playing football and betting on football. That last activity has emerged as his favorite over the years, and at times it has been a lucrative pastime. He just has one problem: The Dallas Cowboys. “It kills my fantasy team, because I always draft the Cowboys,” Stein said. “I can’t bet on other players in the NFC East because I hate those guys.” Stein, 27, said he’s lost a lot of money because of his emotional investment in the Cowboys. “I’m down maybe 70 or 80K,” he said. He’s not sure exactly how much,…
 
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    The Allstate Blog

  • How to Dispose of an Old Computer and Thwart Identity Thieves

    Melissa
    19 Sep 2014 | 4:00 am
    Banging a hammer against your hard drive: It’s not just a satisfying way take out your extra aggression on a helpless piece of old technology. The National Institute of Standards and Technology (NIST) also says it’s one way to help protect sensitive data that may still be held within an old personal computer you want to discard. The idea, the federal tech agency says, is to “disfigure, bend, mangle or otherwise mutilate” your hard drive so it can’t be reinserted into another computer. Find an AgentTake the conversation offline. Find an Allstate agent near you. Search Now…
  • Easily Lost? You Can Make Your Own Compass

    Cristel Mohrman
    18 Sep 2014 | 4:00 am
      Here’s a great little outdoor challenge: assemble a compass with these instructions from noaa.gov. It’s a fun way to show kids how people navigated the “old-school” way, before GPS and apps. What you’ll need: Sewing needle (1-2 inches long) Small magnet Small piece of cork (from a wine bottle is great) Small cup of water (to float the cork in) Pair of pliers Small knife Safety gloves (when handling the pliers/knife) Small cup or bowl 1. Hold the needle with the point facing away from you. Rub your magnet over the needle about 30-40 times, always in the same…
  • INFOGRAPHIC: 5 Hurricane Hazards and How to Prepare for Them

    Nicole Markle
    16 Sep 2014 | 7:06 am
    Hurricanes are dangerous storms with a series of hazards that can have an impact long after the winds die down. Here’s a look at five hurricane-related hazards and how you can help protect your family and property against them. Share this infographic on your site.Infographic courtesy of The Allstate Blog. The post INFOGRAPHIC: 5 Hurricane Hazards and How to Prepare for Them appeared first on The Allstate Blog.
  • Pros and Cons of Homeowners Associations: What to Know About HOAs Before You Buy

    Melissa
    12 Sep 2014 | 4:00 am
    If you’re shopping for a new house, you’re likely to come across at least a few properties that are part of a homeowners association, or HOA. Some 26 million homes across the country are governed by them, according to the trade group Community Associations Institute (CAI). Of course, amenities like swimming pools or club houses can make it tempting to gloss over the realities of living under an HOA – but it’s important that you don’t. For one thing, there’s the money. HOAs assess fees that help maintain common areas and cover community services, so knowing the size of the fee (and…
  • INFOGRAPHIC: Understanding Tropical Weather Watches and Warnings

    Nicole Markle
    11 Sep 2014 | 4:02 am
    If you live in an area threatened by tropical storms and hurricanes, it’s important to know what all the watches and warnings mean and how to prepare for them. Share this infographic on your site.Infographic courtesy of The Allstate Blog. The post INFOGRAPHIC: Understanding Tropical Weather Watches and Warnings appeared first on The Allstate Blog.
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    Centsible Life

  • Vanguard Retirement Twitter Chat #VGRetirement {sponsored}

    Kelly Whalen
    18 Sep 2014 | 7:17 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.
  • To Tip or Not to Tip?

    Kelly Whalen
    17 Sep 2014 | 10:15 am
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  • Monday Meal Plan: September 15th

    Kelly Whalen
    15 Sep 2014 | 1:06 pm
    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.
  • Teach Kids the Dangers of Underage Drinking with Grab the Goodies App {sponsored}

    Kelly Whalen
    12 Sep 2014 | 9:47 am
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  • Upgrade Your iPhone to the iPhone 6 or 6 Plus for Free or Cheap

    Kelly Whalen
    9 Sep 2014 | 12:01 pm
    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

  • Missing Money: What Government Accounting Really Looks Like

    Jeff Desjardins
    19 Sep 2014 | 1:53 pm
    For some time now, the Government of the United States has been effectively checking through their couch for loose change. Anything helps, even if the debt owed is a staggering $17 trillion. Not only is the United States continuing to spend quite frivolously, sometimes they don’t know where the money is going. A thorough review of Uncle Sam’s accounting presents some scathing findings. A few billion missing there, and a couple of trillion gone there. It all evens out, right? Original graphic from: Masters in Accounting
  • Sage Advice for Bored Investors

    Chris Mayer
    19 Sep 2014 | 12:46 pm
    I was at lunch with a friend of mine and we were talking about the big vote in Scotland. (As I write, the vote is not yet in.) And then my friend offered up a reason why many people would vote yes. “They’re bored! They just want something to happen.” The more I thought about this, the more I thought there might be something to it. Boredom can explain a lot. It can explain all kinds of financial behavior. And there is definitely a “boredom arbitrage” to take advantage of in the markets. Below, then, is a tongue-in-cheek exploration of my theory of boredom. In the financial markets,…
  • The One Word Every IPO Investor Needs to Know

    Jonas Elmerraji
    19 Sep 2014 | 11:15 am
    “Everyone knows they can make a killing if they get in on the ground floor of an initial public offering…” – CNBC Initial public offerings — better known as IPOs — are exciting. That’s especially true when a private company you’re familiar with becomes tradable. But most people don’t know what they’re getting into when it comes to buying newly listed stocks… What really happens when a company goes public is not pretty. Contrary to popular belief, IPO day isn’t the best time to get in on the ground floor of an exciting company — the ground floor was…
  • How to Escape Obamacare in One Bold Move

    Chris Campbell
    19 Sep 2014 | 11:09 am
    Today I’d like to feature a story I heard from one of my Laissez Faire Today readers David F… David’s story is a perfect example of what happens when you seek solutions rather than dwelling on the problem at hand. We hope you’re as inspired by it as we are… “My wife and I recently moved to Ecuador as a way of retiring early and escaping the ill-named ‘Affordable Care Act,’ before that convoluted health care system killed my wife. “We made the move last year and can’t believe the difference it has made in the quality of both of our lives. “The cost of living is…
  • Let the Alibaba IPO Show You Where the Market’s Headed

    Greg Guenthner
    19 Sep 2014 | 8:19 am
    Here’s a riddle for you… What’s bigger than Amazon, China, and a name you’re already sick of hearing? Why it’s Alibaba, of course. One of the most valuable technology companies in the world is set to begin trading today on the New York Stock Exchange. As it opens near an expected $68 per share, its $168 billion market cap will immediately dwarf most other tech stocks on the market… “By selling shares at $68, Alibaba will hit the top end of that modified range, a sign of strong investor interest in the most-anticipated public stock debut of the year and the largest in U.S.
 
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    Canadian Finance Blog

  • Successful Retirement: Don’t Spend Too Much

    Tom Drake
    18 Sep 2014 | 2:00 am
    When we think of a successful retirement, we often think about how much we are saving up. While it’s important to plan ahead and figure out how much to save for the future, part of the equation, when it comes to a successful retirement, is how much you spend during retirement. As part of The Retiree Next Door movement, MoneyTips and FinCon are bringing to light some of the ways you can plan for a successful retirement. While the results of the recent survey are aimed at helping Baby Boomers in the United States, the reality is that you can learn from some of the data about successful…
  • History of the Canadian Dollar

    Tom Drake
    15 Sep 2014 | 2:00 am
    Not only is the history of Canada interesting, but the history of the Canadian dollar is almost as interesting as the history of Canada itself. Whether it’s the loonies and twoonies, the commemorative coins or the colourful bills, we have some very interesting money… including the fact that some of our money is more like plastic than it is paper. The Canadian dollar has seen a lot of changes, as different provinces joined Canada, as the value of our currency fluctuates, and as we continue to improve anti-counterfeiting measures. First of all, it’s important to understand that…
  • What is the Guaranteed Income Supplement?

    Tom Drake
    9 Sep 2014 | 2:00 am
    The Guaranteed Income Supplement can help if you have a low income in retirement. GIS is part of the Old Age Security Pension, and it can help you supplement your income in old age. It’s a non-taxable benefit, so you don’t have to worry about paying taxes on what you receive. Eligibility for Guaranteed Income Support In order to be considered eligible for the GIS, you need to be receiving OAS. You need to have lived in Canada for at least 10 years after the age of 18, or have resided in Canada as a citizen or permanent resident on or before March 6, 1996 and become eligible…
  • 7 Reasons Why You Need Credit Repair

    Tom Drake
    8 Sep 2014 | 2:00 am
    If you have terrible credit, you might finally just throw your hands in the air and stop trying to improve your situation. The truth is, some people never attempt to repair their credit because they don’t know where to begin. However, credit repair is easier than you might think. This doesn’t suggest that you can fix bad credit overnight… it can be a lengthy process. However, the benefits of a higher credit score far outweigh any time or energy it takes to repair your situation. Here are seven important reasons why you need credit repair. 1. Stop harassment Whether creditors…
  • Ways to Make Your Career a Success

    Tom Drake
    2 Sep 2014 | 2:00 am
    It is no longer enough to have the college degree, go to the big school, or have the first class contacts to make your career a success. Although you’ll still gain a small edge with these traits, things are different now. Good jobs are still out there but great jobs are difficult to find since more people are staying put until the global job market improves. But you’re aiming for the stars and that’s good. Companies aren’t hiring or moving people up in to higher paying positions as much these days but you’re determined to not let that deter you. The reality is that you haven’t…
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    The Dividend Guy Blog

  • Monday Question: What happened to Helmerich & Payne (HP)?

    DivGuy
    15 Sep 2014 | 4:36 am
        At the beginning of the year, I selected HP to be one of my best 2014 dividend stocks. Not long afterwards, I added HP to my portfolio. The company shows great metrics and meets all my minimum requirements in terms of revenue, EPS and dividend growth over the past 3 and 5 years.   This year’s quarterly results continue to show strong growth and the future of the company looks bright. While the past two quarters were slightly under analysts’ expectations, Q2 was a record period for the company.   However, the stock is on a major downtrend for the past two…
  • TSX60 Ex Dividend Date + Best 2014 Dividend Stocks Update

    DivGuy
    8 Sep 2014 | 2:00 am
    I started this “tradition” on my blog in 2012. The goal is to pick 20 US and 10 CDN dividend stocks that I think will outperform their peers. This is the reason why I use VIG and XDV as my benchmarks. I keep track of my results for accountability purposes as I find that too many analysts and blogs just drop the ball on their picks when they are not that great. By posting monthly results, I have no other choice but to face my performance and explain it. You can look at my previous picks and returns:   Best Dividend Stock Picks 2012 (-1.47% vs VIG (US dividend ETF), + 8.32% vs XDV…
  • The RV Project is Moving Forward

    DivGuy
    3 Sep 2014 | 4:25 am
        Before going on vacation, I wrote a piece about retiring at the age of 35 When I wrote this post (it was end of July), it was simply a crazy idea: I would sell everything, buy an RV and go with my family on a never-ending trip. This is definitely in the line of ERE (Early Retirement Extreme) and would require several sacrifices.   This post generated several comments and I thought I would continue my thinking out loud with you on this blog. After all, maybe I had this idea due to being over worked and after two weeks of vacation, I would change my mind and hop back into my…
  • The Bond that Will Kill You

    DivGuy
    27 Aug 2014 | 2:19 am
    What’s the worst thing that could happen to a retiree?   a)      2 golf balls in the lake the same day b)      A Barista at Starbucks putting cinnamon topping with whole milk on his Non-Fat Vanilla Latte c)       Outliving his savings   Once you retire, it’s finally time to enjoy life. It’s time to relax, do what you love most and stop stressing. Unfortunately, this definition of retirement is pretty rare. Most retirees still have to work to fill the hole in their budget and others worry about how long they can hold on to their savings before the well dries-up.
  • Is There Growth Left Inside the Canadian Banks and Telecom Sectors?

    DivGuy
    20 Aug 2014 | 2:00 am
        Since 2009, two Canadian sectors had proven to the world the Canadian market can provide strong dividend growth stocks. It’s not by luck that four out of the ten Best Canadian Dividend Stocks for the Next Decade come from these two sectors.   Both sectors are quite similar on many fronts. They both oligopolies, this is a mature market, but natural growth is still available and federal laws protect them from other competitors (mind you, it has become less protected for telecoms in recent years). In my opinion, they are the backbone of dividend stocks in Canada and all…
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    Fiscal Fizzle

  • 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…
  • Spending More to Save More

    Peter Kulicki
    17 Jun 2014 | 5:54 am
    I visited the vet’s office this week to pick up the flea & heart worm medication my dog takes on a monthly basis. As always, I was given the option of getting a 6 or 12-month supply. This particular  brand, which comes in the form of a pill, is both effective and expensive. It’s the only thing that can keep fleas off my dog, and I’ve tested many, many products over the years. I’ve learned to suck it up and pay the cost. At the vet’s office, I could get the 6-month supply for $110 and receive a $10 mail-in rebate, for a total of $100 over 6 months, or…
  • The Pros and Cons of Having Roommates

    Peter Kulicki
    9 May 2014 | 5:00 am
    This post is written by Jennifer Riner of Zillow. Renters looking to save money should consider leasing apartments with friends. College students are notorious for cohabitating with classmates to spend more time together before graduation. Increasing numbers of 20-something’s carry this mentality into their professional lives to save money. Even more experienced renters choose to bunk with old friends for camaraderie. While living with friends can be fun and financially responsible, it can also present certain disadvantages. Before signing contracts with colleagues, consider the following…
 
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    The SpendLessTV.com Money-Saving Blog

  • Seasonal Crafts From the Kitchen & Yard

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

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

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

    SpendLessTV.com
    28 Jun 2014 | 9:01 am
    For important information on heat related issues for HUMANS – please listen to this audio on the dangers of extreme heat, via WNYC.org Radio Warm weather means enjoying more outdoor fun… and that includes fun with our pets too. But warm weather also means caution when it comes to pets. The warmer season brings more pests like mosquitos, fleas, and ticks. There are more opportunities for pets to come into contact with toxic chemicals. Swimming pools, lakes and oceans can be dangerous (there are approximately 8,000 pet drownings a year in U.S. swimming pools alone). Paws can get…
  • Father’s Day: Fantastic and Wallet-Friendly

    SpendLessTV.com
    9 Jun 2014 | 7:18 am
    We know you care, and your Dad will too! You can show Dad you have real heart for him, and also hold onto your real savings at the same time with these videos loaded with easy budget-friendly or even free do-it-yourself gifts, gift baskets, recipes, entertaining and activity ideas Dad will love! Father’s Day the Home Shopping Way – Every father deserves the best, and what better way than with Home Shopping? What dad wouldn’t appreciate a little comedy with his socks and BBQ?  Catch this Karen Alloy comedy. Meetballs 3-course, feed 4, under $35 - Chef Bill Poirier from…
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    MoneyProblems.ca

  • Simple Advice For Using Loans Smartly

    Moneyproblems Answers
    17 Sep 2014 | 5:00 am
    Debt is a fact of life. While we talk about living debt-free the truth is most people will at some point in their lives carry some form, or several forms, of credit. The trick to keeping your debt under control is to learn to borrow, and repay loans, wisely. Here... Read more The post Simple Advice For Using Loans Smartly appeared first on MoneyProblems.ca.
  • Why You Should Never Pay A Collection Agency, Ever

    J. Douglas Hoyes
    10 Sep 2014 | 5:00 am
    If you don’t pay your bank loan, credit card, or other debt, the lender may decide to send your file to a collection agency.  A collection agents job is to phone you and take whatever measures they decide are necessary to collect the money.  They want to collect because that’s how... Read more The post Why You Should Never Pay A Collection Agency, Ever appeared first on MoneyProblems.ca.
  • Have You Got A Plan Because The Pressure Never Let’s Up.

    Gail Vaz-Oxlade
    3 Sep 2014 | 5:00 am
    Did you know that the idea of retiring at 65 was introduced way back in 1883? You’d think we’d have had enough time to get used to the idea of planning for the future, wouldn’t you? The funny thing is, when Chancellor Otto Von Bismarck of Germany introduced the retirement... Read more The post Have You Got A Plan Because The Pressure Never Let’s Up. appeared first on MoneyProblems.ca.
  • Is A Reverse Mortgage A Good Idea?

    Ted Michalos
    27 Aug 2014 | 5:00 am
    In my practice I see a lot of older Canadians finding themselves facing debt problems they never expected to face in their senior years. In fact, debt among seniors is a growing trend, something to be concerned about. So when I first heard of reverse mortgages (quite a few years ago) my... Read more The post Is A Reverse Mortgage A Good Idea? appeared first on MoneyProblems.ca.
  • Understanding Debt Consolidation In Canada

    Moneyproblems Answers
    20 Aug 2014 | 5:00 am
    You have a few outstanding debts and are having trouble keeping up with the monthly payments. A debt consolidation loan can be an efficient alternative to consolidate these multiple payments into one. You end up with a simpler debt repayment plan and may be able to lower your overall monthly... Read more The post Understanding Debt Consolidation In Canada appeared first on MoneyProblems.ca.
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    JoeTaxpayer

  • 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…
  • Are We Close to the Age of Solar?

    Joe
    25 Jul 2014 | 4:00 am
    When we look at where we were just a decade ago, Solar Power has come a long way. The little solar voltaic cells were enough to power a calculator, and I thought of it as saving me $5 every year or two for as long as owned it. In hindsight, it was less about the $5 and more about having a dead calculator when it mattered most. We’ve come a long way and solar now seems to be hitting the mainstream, getting close to the point where it’s economical to power one’s home from these panels during the day. I specify day as there’s still a bit of an issue with storage of excess…
 
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    Financial Samurai

  • How Much Is Optionality Worth To You?

    Financial Samurai
    19 Sep 2014 | 4:08 am
    Photo by D Sharon Pruitt When we first graduate, we have little-to-no options since we know nothing. We’re a cost center that does what we are told and likes it. We develop skills that provide us more options over time. We look for better opportunities or ask for raises with more skills. Sometimes we get complacent and just stick with a company for way too long like a bad boyfriend or girlfriend. Eventually we stop being so parsimonious with our money because our financial nut grows to the point where we can afford luxuries otherwise foreign to us in the past. The luxuries I’m…
  • Deciding On Leasing Or Purchasing A New Car: Saying Good-bye To Moose!

    Financial Samurai
    17 Sep 2014 | 3:48 am
    My new Ferrari Enzo After 10 years, I’m sad to say that Moose is gone! He just had too many problems that cost too much to fix as a 14 year old Land Rover Discovery II. I hated to let him go because he was like my big boy. I still remember finding him with 87,000 miles at the orphanage (Craigslist) for $10,000 in early 2005. The owner got a sweet consulting gig in Amsterdam from Pricewaterhouse Coopers and she had to sell quickly. We agreed on the steal price of $8,000 and the fun journeys to Tahoe, Napa, and Carmel began. I actually hate driving today. There are just too many cars in…
  • Free Uber Rides! Changing Lives By Disrupting The Rules

    Financial Samurai
    15 Sep 2014 | 3:48 am
    Uber App Dashboard For the past several years, I’ve seen Uber grow from a scrappy startup to an enormous success based right here in San Francisco. In the Fall of 2013, the company was “only” valued at $3.5 billion. A year later, the latest round of fund-raising puts the company’s value at $18 billion! Instead of driving for them, the best way to get rich would have been to work for Uber when it first started in March 2009. Jabir, the “richest poorest person I know” actually became an Uber driver a couple years ago. He was unemployed for almost three years…
  • What Is A Good Short-Term Investment? A $280,000 Windfall Needs A New Home

    Financial Samurai
    13 Sep 2014 | 4:08 am
    Greetings fellow Financial Samurai. Bruce here. I recently dropped a note to Sam about a financial conundrum that I was working through as I appreciate the analytical approach on this blog. Sam suggested that I write it up and engage the Samurai community to help with the alternatives analysis. Background My wife and I are in our early 30s, are currently child-free, and live in the suburbs of Atlanta, Georgia. About three years ago we sold the condo we had purchased as our first marital home and bought a suburban house northeast of Atlanta in an area with the best public schools in the city…
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    Automatic Finances

  • Use a Tablet For Banking? You’re Probably Engaged With Your Money.

    Jason Unger
    17 Sep 2014 | 5:23 am
    Early adopters of technology always tend to be a bit more enthusiastic and interested in the products and services relating to that technology. Just think about all of the folks who stayed up late waiting to order the iPhone 6 the day it came out – they’re going to be heavier users of the phones, both in terms of apps downloaded and data used on the cell networks. So it’s not a total shock that folks who bank on their tablets are more engaged with their bank’s products and services. That’s according to research from ING Direct, first reported by Australia’s…
  • Are Online Savings Accounts Rates On Their Way Up?

    Jason Unger
    16 Sep 2014 | 5:12 am
    I tell this story all the time, and I’m sure I’ve written about it here, too, but I can’t seem to find a post about it. When I opened up my first online savings account way back in 2006 with ING Direct, it was a good time to be saving. Interest rates were well above 4% — many in the mid-5% range as well. So I remember fondly logging into my ING Direct account in the morning at work, seeing how much money was in my account and how much interest I had earned from it being there, and then checking it again before the end of the day, and seeing the interest earned even…
  • Would You Like a Home Mortgage with that Online Banking?

    Jason Unger
    15 Sep 2014 | 8:21 am
    As online banking continues to be the most popular way that people interact with their banks, and that banks continue to find ways to generate new revenue sources beyond fees, it’s no surprise that simply logging into your account has turned into a sales pitch for every other service your bank offers. I hadn’t thought too much about this, since it’s so commonplace nowadays (especially with providers like PayPal who are always shoving their credit card down your throat), but there’s an interesting quote from an article in The Washington Post over the weekend. Lately,…
  • What Will You Do to Avoid Banking Fees?

    Jason Unger
    11 Sep 2014 | 5:22 am
    We’ve had a bit of fun over the past few days talking about banking fees — how technology is cutting down on overdraft fees, and made-up (but plausible) “underdraft” fees. There’s plenty of bank fees you should never have to pay, but as banks continue to find new ways to charge fees — you may have to jump through hoops to avoid them (if you won’t pick up and move your money to a better bank). So what would you do to avoid any banking fees you would otherwise have? A recent BankChoice Monitor survey asked “active bank shoppers” —…
  • No One Would Be Surprised if Something This Absurd Happens

    Jason Unger
    10 Sep 2014 | 5:12 am
    Just the other day we talked about how banks are getting hit hard financially by the drop in overdraft and other fees, which made up a big portion of their profits in the post-housing collapse economy. So would it be surprising if banks introduced some new “creative” fees to make up the difference? Of course not. This is from The Onion, so it’s not real, but let’s be frank: no one would be surprised if something like this actually happened. Bank Of America Introduces New $50 Underdraft Fee CHARLOTTE, NC—Saying the penalty will cover the costs incurred by the…
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    Personal Finance Blog

  • Alibaba Debuts On the U.S. Market

    Twila VanLeer
    18 Sep 2014 | 8:56 pm
    Friday, Oct. 20 will go down as the day Chinese mega e-commerce giant Alibaba Group Holding made its grand entry into the U.S. market. It was listed on the New York Stock Exchange Friday at 9:30 a.m. (Make that Friday at 9:30 p.m. for those in Asian markets.) To celebrate the event, Alibaba Chairman Jack Ma was to ring the bull’s opening bell. The company’s shares will trade under the symbol BABA. The company hopes to raise as much as $125 billion in U.S. dollars. The analysts are saying that if share prices come in at the expected range of 66-68 U.S. dollars, they will make history as…
  • Flying High – With The Best Air Fares

    Twila VanLeer
    16 Sep 2014 | 10:36 am
    Save Money On Airline TicketsThe cost of air travel continues to go up, but with a little bit of Internet time, you can find the best possible fares. Start with a search of discount travel sites, and don’t stop with just one. Compare. Popular sites include Expedia, Travelocity, Kayak, Google Flight Search and Hotwire. When you have made your comparison and think you have the best price you can find, act. Prices can change within minutes. Skyscanner.com is a search engine that tracks prices for particular routes for a certain period of time – a month or a year. It’s easy to spot the best…
  • Motherhood And Working Can Co-Exist

    Twila VanLeer
    8 Sep 2014 | 9:41 am
    To no one’s surprise, there has been a consistent rise over the past few decades in the number of women who combine parenthood with jobs. The Pew Research Center says that in 1960, just 10.8 percent of women were the primary support of their families in households with children under 18. By 2011, the figure had risen to 40.4 percent. That means that in near half of the country’s households, a woman is juggling the responsibilities of child-rearing and working outside the home. The challenges are especially daunting for those experiencing motherhood for the first time. There are tips that…
  • Know About Your Social Security Benefits

    Twila VanLeer
    1 Sep 2014 | 7:50 am
    FICA is an acronym known to everyone who works for pay. It’s that little bit of money that disappears from your paycheck each time. Most people have a vague sense that this money is held back by the government to aid in your retirement. But not everyone knows how it works. Don’t expect a lot of help from the Social Security Administration. They aren’t into the nitty gritty for each beneficiary. It’s up to you to learn where your FICA dollars go and when you can expect to draw on the accumulation as you retire. There are many ways and you need to analyze these and choose what’s best…
  • Do You Really Need A Credit Card?

    Sherry Tingley
    30 Aug 2014 | 4:12 pm
    Some folks love them. Some folks hate them. Either way, credit cards have become an almost universal financial fact of modern living in America. Having one is probably a good idea, says Christopher Viale, board chairman of the Association of Independent Consumer Credit Counseling Agencies. They’re important in building a good credit score and many card holders judiciously cash in on the related perks – rewards programs, points, cash back or miles, to make their money go farther. However, Viale says, there may be a downside to using your credit card as first choice in making payments. They…
 
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    FiGuide - A Retirement Plan That Works!

  • Domestic abuse and money

    Danielle L. Schultz, CFP®, CDFA
    16 Sep 2014 | 9:42 am
    It’s about money, whether the headlines are horrific cases of bride burning, or a knockout in an elevator with an NFL sports star. Despite the myriad reasons women have been posting on Why I Stayed, many of them boil down to not enough money to leave. Sure, many of us can answer because I loved him, but I think that the next time he smacks you around, if you had, say, a cool $5 million in the bank you’d think twice about whether love was enough. If you have children, or haven’t worked in a while, or your spouse is making more money than you ever saw before—more than you have any hope…
  • Exactly Half Way Through Historically the Worst Month of the Year … FED Meet & Speak Week

    John Kvale
    15 Sep 2014 | 8:30 am
    The good news is we are half way through. The bad news is we still have a few weeks to go. September Blues For some reason, September still remains the worst month for capital markets. Originally when the US depended more on the crop cycles, September marked the “make it or break it” month for the season, leading to volatility in capital markets. Hard to believe such a dated historical reason would still create angst, but it does. If  you have been reading our work, you know five years is a short time frame for us, so a month is much like a single second in a twenty-four hour period…
  • How to Detect The Next Crash

    Don Martin
    12 Sep 2014 | 11:21 am
      The best trading idea is to assume when the next crash occurs in 1.5 or 2 years it will start with a meltdown in high yield corporate junk bonds. This asset class has been the most abused during the current recovery cycle. Investors fantasize that a bond, being a promise to pay face value, is somehow a low risk asset but this is only true with investment grade bonds. During an abusive part of the credit cycle when bond investors forget about credit crashes and start to dream that the only risk is inflation and duration risk that is when issuers and investment bankers peddle aggressive,…
  • Janet Yellen Whispers to Markets ….. Normal Begins Again Next Week

    John Kvale
    12 Sep 2014 | 8:30 am
    In a sign of just how delicate markets are and how soft the delivery of information needs to be, this week we believe, Janet Yellen whispered to market participants …. Here is how: Shhh, Interest rates are too low guys From this “Research Paper” (subtle press release maybe) : This from a Dovish (less likely to increase rates) San Francisco Federal Reserve Bank Wall Street you are underestimating the likely increase Increases may come faster than you expect Rates may currently be lower than they should be We will save you the chart as it is a Friday. Talk about reading the Teas leaves.
  • Why Spending a Little On You Is Ok

    Jim Blankenship, CFP®, EA
    12 Sep 2014 | 5:00 am
    Read any financial column or blog and chances are the writers (including yours truly) have advocated that readers save their income, reduce expenses and get rid of debt. Sometimes this valuable information can get interpreted as you can never spend any money on yourself for little things here and there such as a meal out or grabbing a movie with a friend. These little things can help keep you on track for your bigger savings targets by allowing you a bit of autonomy and a chance to enjoy the money you’re working hard to earn and save. Think of it this way: let’s say someone is going on a…
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    Budgets Are Sexy

  • Hey New Orleans? I’m Baaaaaaaack!

    J. Money
    19 Sep 2014 | 2:12 am
    Good mornin’ my money hustlers! What’s shakin’? Where you be at? Where your money be at? I’m coming to you straight outta NOLA this morning, and in case you couldn’t tell I have an extra hop in my skip :) I’m attending our 4th annual personal finance blogger conference (FINCON) and I’m finally surrounded by people who not only *enjoy* talking about blog stuff 24/7, but who actually PAID to be surrounded by it all weekend! Haha… It’s quite the ordeal, let me tell you… And it’s quite the opposite reason I’m in New Orleans…
  • “I Sock Away a Minimum of $6,000 a Year From Change”

    J. Money
    17 Sep 2014 | 2:06 am
    Remember my announcement last week of our new Challenge Everything Savings account? Well, this is proof right here of how POWERFUL this idea can be if you really apply yourself. And it doesn’t require any major change to your normal routine either! [In fact, this $6k doesn't even include any expense savings money which is the core of what we'll be personally stashing ourselves. Meaning this number can be even greater if you were to add it into all the other forms of "spare change" which we'll get to in a moment...] Here’s a snippet of the correspondence I’ve been having with…
  • Happy “Free Money Day!”

    J. Money
    15 Sep 2014 | 2:02 am
    So something funny happened yesterday as I was doing a little work. I was in search of a Flickr photo relating to kids and money for an upcoming Rockstar Finance post, and amidst my scanning I see this pic featured above of these signs promoting “Free Money Day.” Initially I just kept going and tried not getting sucked into the black hole that is the internet, but eventually I succumbed to curiosity and typed in FreeMoneyDay.org to see what would happen. And get this. Free Money Day is literally TODAY! September 15th. What are the odds?? I took it as a sign that I should bump my…
  • New Rule: List One Thing a Week on Craigslist!

    J. Money
    12 Sep 2014 | 2:08 am
    I’m pretty excited about this one today :) I’ve been all about the “missions” lately on this blog and in my life, and while some fade away faster than a scalded dog, others stick around for the long haul and become absolute game changers. And I’m hoping/praying/anticipating this will be one of them! If there’s two things I’ve really wanted to conquer lately, it’s owning less stuff and making more money. And this new “Craigslist Rule” accomplishes both. Here it is: Every week I must list one new item for sale on Craigslist. Why just…
  • How I Make Money Online…

    J. Money
    10 Sep 2014 | 2:04 am
    Last week we ran our (tri) annual “Ask J. Money Anything Day,” and 50+ questions later my fingers fell off and we called it a day. I answered everything from blogging, to budgeting, to mortgages, retirement, money mistakes, career, and even what the air-speed velocity of an unladen swallow is ;) It was a ton of fun, and if you find yourself bored anytime pop over there and check it out: Ask J$ Anything Day. You might even find the answer to what my 2013 taxes show I made last year! One of the questions I get asked all the time, of course, is how I make money online from my blogs…
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    Smart On Money

  • 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…
  • 3 Tips for Keeping Your Summer Budget Under Control

    Miranda Marquit
    10 Jun 2014 | 6:13 am
    For me, summer is time of shifting financial priorities. First of all, there is a lot to do, and from summer camps for my son to camping trips to summer holiday celebrations for the whole family, the demands on our bank account are different. It’s hard to keep the summer budget under control, but it is important that you attempt to do so. After all, you don’t want to be paying for this summer years from now due to debt. If you are looking to keep your summer finances in proper order, Ryan Bailey, the Executive Vice President of Deposits and Payments at TD Bank, has 3 tips to help…
 
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    Financially Poor

  • Long and Short Term Loans – Understand the basics for a better selection

    Kevin
    19 Sep 2014 | 12:08 am
    Whether to take a short term loan or a long term largely depends on the requirements and the repayment capability of the applicants. Both these loans offer the money required to meet the needs of the individuals but each one of them has its own characteristics and features which need to be looked at before getting to a final decision. Knowing the difference can help one take better and informed decisions which can have long term impact on ones finances. Long term loans- Take a deeper look The long term loans are meant for   a long tenure which often extends up to 15-30 years. They are…
  • Get back on your feet quickly after a financial setback

    Kevin
    17 Sep 2014 | 12:02 am
    Most people experience a financial emergency at least once in their lifetime. Some people have them more frequently than their bank accounts can handle. These emergencies can include unexpected car repairs, a traffic ticket, an illness that prevents you from going to work or an unusually hot or cold month that wreaks havoc on your energy bill. The situation is always worse when you don’t have enough money in the bank to take care of the problem. An overdrawn checking account can lead to spiraling costs that are difficult to reign in.  One of the best ways to minimize the impact of a…
  • Investing Tips That Seem Like Common Sense

    Kevin
    16 Sep 2014 | 7:47 pm
    Investing is something everyone should get into. Especially since it’s probably something you’ll be living off in your retirement. You’re going to want to make sure it’s still there when you get older and maybe even have a little extra to leave your kids. Here’s a few tips you should know about before you start investing in the stock market. Before you even think of investing be sure that you can afford it. Don’t have thousands of dollars in credit card debt and start investing. You’ll never be able to beat the interest rate you’re paying on…
  • Homeowners Insurance and Natural Disasters the Facts You Need to Know

    Kevin
    14 Sep 2014 | 11:39 pm
    Natural Disasters happen each and every day. Some of the most common disasters that can disturb our lives include major weather storms such as a snowstorm, a big rainstorm, a hurricane, a tornado, and so on. Other common natural disasters seen all around the world include tsunamis, volcano activity, and more. The only protection that you really have from these types of devastating events is your homeowners insurance. By having the right insurance, you can rest easy knowing that if a natural disaster does occurs you and your family will be protected and will be able to survive, both…
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    Couple Money

  • Setting Up Your Retirement with the Right Tools

    Elle Martinez
    18 Sep 2014 | 3:00 am
    This post is a part of #RetireeNextDoor movement, where bloggers are sharing stories and advice from those who have successfully retired. If you enjoy today’s post, please check out the others at Retiree Next Door. Retirement can seem intimidating to some couples as the choices seem vast. Today I want to review some retirement tools you can use to build your portfolio and I’ll interview Doug Nord, a successful retiree, on how he create a plan that worked for him. This post is designed to get you off just planning for your retirement and into building the retirement plan you two…
  • How to Build Up Your Debt Payments

    Elle Martinez
    15 Sep 2014 | 4:30 am
    Big wins are important and for most people it’s what gets them motivated. I highly recommend that you start off with the big stuff because I know from personal experience how seeing that cash in your account pumps you up. Your heard earned money is staying with you, not going towards some nebulous cloud of bills. Imagine when you are debt free and all the payments you’re making now will instead be used to grow your savings, pay for your vacations, build your retirement portfolio, or even be used to fund the business you’ve always wanted to start. Becoming debt free can help…
  • Couple Money’s 5th Anniversary Giveaway

    Elle Martinez
    12 Sep 2014 | 4:00 am
    Running Couple Money has been a fantastic ride so far. In the past five years since I began this site, so much has happened both online and offline, including: had a baby (and expecting another one!) bought our first house paid off our car loan early paid for our last few cars with cash streamlined our retirement investing I hope we get to share more in the next few years. One of my favorites parts about the site is publishing a new post and hearing from you, both in the comments and emails. You have motivated me to continue and I’ve learned quite a bit on how to optimize our own…
  • Which Debt Payoff Method Is Right for You?

    Elle Martinez
    8 Sep 2014 | 8:28 am
    The Pay off Your Debt Faster continues with the next step – figuring out the best debt payoff method as couple. By now you two have a clear idea of how much debt you’re in (and how you got there) and you two have read up on the basics of paying off debt. Now it’s time to make a choice – decide on how you’re going to pay debt and get started right away. Getting Rid of Debt: Numbers vs Emotions Last week I mentioned that most debt pay off method boil down to arranging your debts and either attacking them by  their interest rate or by debt amount. While very…
  • Managing Your Family’s Finances as CEO

    Elle Martinez
    6 Sep 2014 | 6:00 am
    As a member of the personal finance community, I’m amazed at how many people are a part of it. Unfortunately that often means that I can’t always keep up with everyone. It’s a shame because there are some wonderful bloggers with their stories and advice on handling finances responsibly and with fun. To counteract that and get the word out on other sites, I’m interviewing bloggers in the community. So happy Julie from The Family CEO shared her story this week! Since you’ve hired yourself years ago as your family’s CEO, what have been some of your favorite successes? What…
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    Beating Broke

  • 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,…
  • Add Up Your Household Energy Savings

    Shane
    22 Jul 2014 | 6:05 am
    We’re deep into the hot summer months.  Air conditioners across the country are doing overtime keeping our homes and businesses cool and comfortable and keeping the heat outside.  Unfortunately, it won’t be that much longer before we’re turning on the heat and repelling the cold of winter.  All of that comfortable air, hot or cold, comes with a cost.  Sometimes you’ve got to do what you can to find whatever energy savings you can. Here in the northlands of North Dakota, we’ve got plenty of options for powering our air conditioners and furnaces.
  • The 1,700 Mile Move: 5 Lessons I Learned

    MelissaB
    15 Jul 2014 | 7:12 am
    I come from a family of non-movers. For example, my mom, once she married, became listless and lost her appetite and quite a bit of weight.  The doctor diagnosed her with homesickness.  She had moved less than five miles from her family home to her home with my dad.  (Yes, this is a true story!) We moved one other time less than a 1/2 mile away, and even that was traumatic for her. I have ventured farther in my lifetime, going 400 miles away to graduate school, but a 1,700 mile move is something else entirely. Here’s what I’ve learned so far as we prepare to move from the…
  • Why Purchasing Rental Car Insurance Isn’t Necessarily a Waste of Money

    MelissaB
    1 Jul 2014 | 5:56 am
    I recounted in my last post the many adventures we had driving 1,750 miles from Illinois to Arizona where we damaged not one, but two rental cars.  We saved $100 by not purchasing the rental car company’s auto insurance, but that decision cost us $500 in our deductible.  Not my brightest move ever. If you think, like I did, that a rental car company’s insurance is a scam that should be avoided like the plague, here are some reasons why you might want to reconsider: The Rental Car Company Has a Different Standard Than You The rental car company we used said any damage smaller…
 
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    Stack The Chips

  • 8 Vital Ways To Save Money On Gas

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

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

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

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

    Edwin C
    31 Jul 2014 | 11:50 am
    Unfortunately, credit is something that you just can’t live without these days. If you want to buy a house, for example, unless you’re Warren Buffet you’ll need to have a solid credit profile. If you’re young and want to get a loan for a car, you can’t do it unless you already have a credit history. If you don’t have credit and are applying for your first job after college or getting your first apartment, again you’re going to need some credit history. However, in order to build credit, you need to have credit in the first place. It’s a catch-22…
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    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.
  • Are frequent flyer credit cards worth it? Find out whether the frequent flyer credit card is best for you

    Jacob Joseph
    14 Sep 2014 | 9:16 pm
    What every frequent flyer credit card holder wish they knew before the applied, our guide will give you the tools and information to make an informed comparison of frequent flyer credit cards. The post Are frequent flyer credit cards worth it? Find out whether the frequent flyer credit card is best for you appeared first on Compare Australian Credit Cards and Offers.
  • Can I balance transfer a personal loan to a credit card?

    Jacob Joseph
    7 Sep 2014 | 11:05 pm
    If you have a personal loan you can transfer the balance of your personal loan or line of credit debt to a Citibank or Virgin Money credit card. Here you can save money on interest repayments by taking advantage of extended low interest, or interest free balance transfer offers. The post Can I balance transfer a personal loan to a credit card? appeared first on Compare Australian Credit Cards and Offers.
  • Citi Simplicity Card – Rates & Fees

    Shirley Liu
    1 Sep 2014 | 6:04 pm
    Citi Simplicity is the card with no late fees, ever and no annual fee, ever. You will also enjoy no interest for 12 months on balance transfers The post Citi Simplicity Card – Rates & Fees appeared first on Compare Australian Credit Cards and Offers.
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    Good Financial Cents

  • GF¢ 038: The 17 Worst Excuses For Not Saving For Retirement

    Jeff Rose
    18 Sep 2014 | 3:28 am
    This post is part of the Retiree Next Door Movement, whose mission is to encourage people to stop procrastinating on planning their retirement. The movement is led by MoneyTips.com who are passionate about helping people retire comfortably.  They are so passionate about the topic that they they put together this awesome guide, The Retiree Next Door: Successful Senior’s Surprising Secrets, that you can download for free here (until September 30th). This book highlights 500 successful retirees from all types of backgrounds and demographics, and the strategies that they used to retire…
  • 10 Essential Factors of a Retirement Planning Checklist

    Jeff Rose
    15 Sep 2014 | 8:02 am
    If there’s one thing that you don’t want to do twice, that would be retiring. Imagine having to go back to work after you’ve called it quits. Yuck!! I’ve heard horror stories of this happening and the most common culprit is lack of planning. Planning your retirement is something you do not want to take lightly. If you are approaching retirement, do you know if you are ready? Do you have the funds saved that you will need? Do you have all the other details in place and ready to go? While retirement is an exciting time, it is also a time of big changes in your life. Not…
  • Reader Question: What is The Best Thing to Do With an Old 403(b)?

    Jeff Rose
    9 Sep 2014 | 9:17 pm
    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…
  • GF¢ 037: 4 Ways to Save For Your Kids’ College Education (including what I chose)

    Jeff Rose
    2 Sep 2014 | 1:06 pm
    One day all my 3 boys are probably going to be attending college. You know what that means: $Cha-Ching. My wife and I already decided that we don’t plan to pay 100% of their tuition, but we will try to help them out so long as they are working towards getting a degree. A recent study by Fidelity reveals that others have similar aspirations, in that parents plan to pay 62% of their child’s college costs, but they’re only on track to pay 1/3 of that cost. Knowing that college isn’t getting any cheaper, we started saving for our first son basically immediately after he…
  • The Right Time to Buy Stock Is…..

    Jeff Rose
    29 Aug 2014 | 11:42 am
    It never fails. Anytime a new investor wants to get started investing, they always want to buy stock. Always. Doesn’t matter that they’ve never invested before. Doesn’t matter that they have no idea what makes a good stock. They just know that guys like Warren Buffet made a killing by buying stocks and they want to, too. Even worse is when they want to buy a penny stock. >>>PLEASE
 
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    One Family's Blog

  • Tracking Michael Price's MFP Portfolio - Q2 2014 Update

    ks
    11 Sep 2014 | 11:49 pm
    Below is a spreadsheet that highlights the changes to Michael Price's MFP Portfolio US long stock portfolio as of Q2 2014. Please check out our previous update to have an idea on how the portfolio is progressing: To learn more about how to profit from a strategy of cloning hedge fund picks, check out our book Profiting from Hedge Funds: Winning Strategies for the Little Guy. [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • Tracking Edward Lampert's RBS Partners Portfolio - Q2 2014 Update

    ks
    11 Sep 2014 | 11:42 pm
    Below is a spreadsheet that shows the changes to Edward Lampert's RBS Partners US long portfolio holdings as of Q2 2014. To have an idea of how the holdings have progressed click on our previous update:  To learn more about how to profit from a strategy of cloning hedge fund picks, check out our book Profiting from Hedge Funds: Winning Strategies for the Little Guy. [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • Tracking Jim Chanos' Kynikos Portfolio - Q2 2014 Update

    ks
    11 Sep 2014 | 11:35 pm
    Below is a spreadsheet that shows the changes to Jim Chanos' Kynikos US long portfolio holdings as of Q2 2014. To have an idea of how the holdings have progressed click on our previous update: As Kynikos is focused on short-selling, his long positions covered in the 13F are probably hedged. For an introduction to short-selling, check-out the book "Short Stories from the Stock Market: [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • Tracking Dinakar Singh's TPG-Axon Portfolio - Q2 2014 Update

    ks
    11 Sep 2014 | 11:27 pm
    Below is a spreadsheet that shows the changes to Dinakar Singh's TPG-Axon US long portfolio holdings as of Q2 2014. To have an idea of how the holdings have progressed click on our previous update: To learn more about how to profit from a strategy of cloning hedge fund picks, check out our book Profiting from Hedge Funds: Winning Strategies for the Little Guy.   [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • Tracking Mark McGoldrick & Jason Maynard's Mount Kellett Capital Management Portfolio - Q2 2014 Update

    ks
    11 Sep 2014 | 11:19 pm
    Below is a spreadsheet that shows the changes to Mark McGoldrick & Jason Maynard's Mount Kellett Capital Management US long portfolio holdings as of Q2 2014. To have an idea of how the holdings have progressed click on our previous update: To learn more about how to profit from a strategy of cloning hedge fund picks, check out our book Profiting from Hedge Funds: Winning Strategies for [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
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    Cash The Checks

  • 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…
  • 7 Ways To Save On Back To School Shopping

    Edwin C.
    27 Aug 2014 | 8:17 pm
    For most parents, back to school time is a wonderful time of year. The kids are out of the house learning and you’ve got some more time to get things done. However, along with the freedom that comes from sending the kids back into the classrooms comes the burden of purchasing school supplies and back to school clothes. Kids tend to grow a lot over the summer and everyone likes to start the school year with new clothes which makes back to school expensive. Read on to discover 7 ways you can save money on your back to school shopping. Sell Their Old Clothes To make money for their new…
  • 3 Types Of Insurance You Might Not Need

    Edwin C.
    17 Aug 2014 | 12:57 am
    You know it’s important to have a big emergency fund, but with all of the different insurance policies available, you may not know why you need it. While it’s always nice to have cash on hand if you’re faced with a crisis, having an emergency fund can actually give you the freedom to cancel some insurance policies and add the monthly premium to your emergency fund. The reason you can cancel some policies is because if you have enough money saved up, you can handle the cost that the insurance company would normally cover. That gives you the freedom to get rid of the expensive insurance…
  • 5 Ways To Save On Prescription Costs

    Edwin C.
    6 Aug 2014 | 2:19 pm
    With changes to the healthcare laws and the implementation of the Affordable Care Act, many people are finding their prescription drug coverage being slashed in half. Like every other household cost such as food and clothing, most people don’t have an unlimited budget for prescription drugs. Elderly people and those on a fixed income including families with young children often find themselves choosing between their prescriptions and putting food on the table. Instead of sacrificing to afford your prescriptions or going without the medications you need, use these 5 tips to save on your…
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    Appraisal Archive - Online Antique Appraisals

  • What's it Worth? Appraisal of Rare D-X Gasoline Advertising Display

    walt kolenda
    2 Sep 2014 | 6:49 pm
    Mike asks:Hi,I just paid for an online appraisal. I would like your opinion on the value of this DX lubricating gasoline display that I found in a storage area in my shop.There is a tiny 1-54 on the Railway Express Agency label on the upper right corner which I am assuming to be January 1954. According to the address label, this was sent to the D-X Super Service. From the research I have done on my shop, it was known as Super D-X Service from 1950 to 1960.I have searched eBay, Google, and Bing off and on the last four years trying to find out a value on this item without any luck.
  • Appraisal of Vintage John Deere Vintage Banner

    walt kolenda
    19 Aug 2014 | 12:43 pm
    I am trying to find out what this vinyl banner is worth.  It is brand new out of the box and the box was postmarked 1960 or 1961. PERFECT CONDITIONJOHN DEERE presents the New Generation of Power 1010, 2010, 3010 & 4010 series AW says: This has several things going for it. First the market loves vintage items in brand new condition, second, John Deere is an American icon and the tractor is JDs signature  product, and next, advertising items are hot right now. If it were a sign, that would be even better, especially a metal or enamel over metal sign, but this is the next best…
  • Appraisal for Lovely Crystal Chandelier w 6 Metal Arms

    walt kolenda
    18 Aug 2014 | 5:08 am
    Elle asks:We inherited this chandelier with our house.  The previous owner had great (expensive) taste, i.e. 100% wool carpets, so hoping it might be worth something.  I'm trying to sell ASAP to help pay for a surprise garage remodel for my hubby.  Thank you! Elle  Mid to late 20th century chandelier AW says: Your husband is a luck man to have such a thoughtful wife! That's a beautiful 20th century, contemporary chandelier. It has metal arms that appear to be of brush nickel, brush pewter.In your email you mentioned that it was a "custom" chandelier and that is the…
  • Appraisal for Exquisite Glass & Crystal Chandelier

    walt kolenda
    17 Aug 2014 | 9:40 am
    Kellie asks:How much is my chandelier worth? It is not an antique. Thanks AW says: This is one of the most detailed and exquisite chandeliers I've ever seen! Wow. It's absolutely amazing and I'm sure it must reflect the light around the room like a diamond. You mentioned that it's not an antique, but it would be very helpful if you knew the manufacturer. For example, if it were a Waterford piece, that would certainly affect the value and salability. Since we don't know and it's virtually impossible to tell without knowing if the item is marked with a maker's mark or has solid…
  • What's it worth? Appraisal of French Armoire

    walt kolenda
    20 Jun 2014 | 9:08 pm
    French Armoire Circa 1920s French Armoire with Doors Open Roberto asks:Please tell me about my armoire AW says: That's a turn of the 20th century piece. 1910s-20s.  It looks to be made of Cherry wood. It's of very good quality. We know this by several clues including the beveled mirror on the door, and the brackets that hold the inner shelves. It has kind of an art nouveau style to it and was most likely made in Europe, probably France. Retail value: $525-$575Wholesale value: $250-$300KeywordsArt nouveauarmoireclothes closet
 
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    Financial Highway

  • 10 Great Ways to Be Generous on a Budget

    Myscha Theriault
    25 Aug 2014 | 4:04 am
    Love to be generous with your friends and family? Tired of having the gift giving and “chipping in” budget be out of control when you are scrimping and saving in every other area? It can be hard to have finally carved out the time and money to go have a little fun and have the “call” come in. Following are some ideas to continue the tradition of generosity that don’t necessarily involve cash or driving your budget into the ditch. Find a great unlimited calling plan and a super communications package in general. There are plenty of land line calling plans out there that offer…
  • 5 Current Financial Decisions that can Ruin Your Retirement Future

    Miranda
    13 Aug 2014 | 4:00 am
    As humans, we sometimes have a hard time looking to the future and preparing for what could happen. The result is that, all too often, the things we do now negatively impact the future. This is true of financial decisions as well as other choices we make. For many of us, a comfortable retirement is the financial end goal. However, the things you do right now might be keeping you from that goal. Here are 5 financial decisions that could be undermining your retirement future: 1. Putting Others First Our society puts value on selflessness, but it’s not always a good thing — at least…
  • 5 Ways Poor Credit Can Cost You

    Miranda
    6 Aug 2014 | 4:00 am
    Your credit is one of the most important aspects of your finances. Your credit situation can mean savings — or costs. In fact, poor credit can cost you significantly. And the costs aren’t always in terms of money. While the most obvious costs of poor credit are financial, you also have to watch out for some of the other costs of bad credit. Here are 5 ways that poor credit can cost you, financially and in other ways: 1. Pay More In Interest Anytime you borrow money, you are required to pay interest. When someone lends you money, the goal is to earn, and that means that they charge…
  • Seven Simple Solutions for the Lazy Gourmet

    Myscha Theriault
    5 Aug 2014 | 4:00 am
    Love to cook? Looking to take your gourmet kitchen to the next level affordably? Here are six simple solutions for lazy gourmet cooks. Deglazing Don’t feel like scrubbing the sauté pan after cooking those chicken breasts? Take advantage of the flavor opportunity by adding some butter, lemon juice or white wine and a tad of corn starch and water whisked together. Include a few secret ingredients, and use a flat edged spoon or spatula to loosen the crunchy bits while the sauce starts bubbling and thickening over the heat. Presto, a restaurant quality sauce without dirtying any extra…
  • Is It Too Late to Get Heath Insurance if My Wife is Pregnant?

    Ray
    30 Jun 2014 | 11:34 am
    If you’ve recently found out that your wife is pregnant and you don’t currently have health insurance that feeling of overwhelming joy might have soon given way to a sinking feeling. Pregnancy is expensive, with monthly trips to the OB/GYN, even more appointments to sonogram technicians, and of course the delivery. The medical bills amount to a small fortune for just a typical pregnancy with no complications. It’s not recommended to attempt pregnancy without insurance, you can find out more here. Not long ago, pregnancy was considered a pre-existing condition for which insurers could…
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    Credit.com

  • From Studio 8H, It’s the Saturday Night Live Credit Card

    Christine DiGangi
    18 Sep 2014 | 9:01 pm
    Comenity Bank recently released a rewards credit card for entertainment enthusiasts: the Saturday Night Live MasterCard. Comenity manages more than 125 retail credit programs, according to its website, offering rewards programs for brand-loyal customers. For SNL credit cardholders, the bulk of those rewards points will come from making entertainment-related purchases, and points can be redeemed for “exclusive content, merchandise and even tickets,” the card site says. The SNL Credit Card Perhaps you’re thinking, “At last! A card that will reward me for purchasing all…
  • Could Selfies Stop Credit Card Fraud?

    Christine DiGangi
    18 Sep 2014 | 9:01 pm
    One of the UAE’s largest banks, FGB, is offering a credit card with your face on it. Well, you don’t have to put your face on it, but this customizable product gives consumers the option of choosing a selfie for the card design, The National reports. Custom card design isn’t a new concept — for example, Capital One has an Image Card tool that allows many of its customers to upload images they’d like on their cards, as long as they’re appropriate, non-copyrighted photos — but putting a selfie on your credit card could serve a purpose beyond creativity and…
  • Owner of 4 H&R Blocks Pleads Guilty to Identity Theft

    Christine DiGangi
    18 Sep 2014 | 9:01 pm
    File this one under “People you think you can trust but actually can’t”: An owner of four H&R Block franchises in Virginia pleaded guilty to a felony count of aggravated identity theft, after she admitted to opening lines of credit for herself, using clients’ personal information. Sherry R. Kelley, 41, faces a mandatory minimum of two years in prison, DelmarvaNow reports, and she will be sentenced in January 2015. Authorities started investigating Kelley after a customer felt unsettled by an interaction with her. According to the DelmarvaNow report, Kelley urged…
  • 6 Financial Moves to Help You Sleep Better at Night

    AJ Smith
    18 Sep 2014 | 9:01 pm
    Have you ever spent sleepless nights worrying about your finances? Between battling debt, working to pay off a mortgage and planning for retirement, there is plenty to think about. But don’t let these worries keep you up at night — take action. Check out some money decisions that will help you rest easy. 1. Track Your Spending & Create a Budget Examine your recent bank and credit card statements. Be sure your current expenses are less than your income and make changes if you are spending more than you earn. Formulate a budget that covers all of life’s essentials without being…
  • I Lost $70K Playing Fantasy Football

    Christine DiGangi
    18 Sep 2014 | 9:01 pm
    Alex Stein loves watching football, playing football and betting on football. That last activity has emerged as his favorite over the years, and at times it has been a lucrative pastime. He just has one problem: The Dallas Cowboys. “It kills my fantasy team, because I always draft the Cowboys,” Stein said. “I can’t bet on other players in the NFC East because I hate those guys.” Stein, 27, said he’s lost a lot of money because of his emotional investment in the Cowboys. “I’m down maybe 70 or 80K,” he said. He’s not sure exactly how much,…
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    StepChange MoneyAware

  • Customers of these 3 debt management firms should stop making payments now

    StepChange MoneyAware
    18 Sep 2014 | 6:48 am
    We can help you if your debt management company has closed This morning, the FCA announced that customers of Gregson and Brooke Financial Services (trading as Expert Money Solutions), One Tick (trading as Debt Savers Direct and 1-Tick) and the Money Management Service should stop making payments to these firms immediately. On 29th August, the FCA used their powers to freeze the bank accounts of each of these firms in order to protect customers’ money. Following this action, the firms cannot make payments, which in turn means that they will not be making further payments to their…
  • Are money worries keeping you awake at night?

    StepChange MoneyAware
    18 Sep 2014 | 6:35 am
    Paul has money worries that keep him awake at night – do you? There are very few things in life like a good night’s sleep. It plays a vital role in our health and wellbeing, and we soon feel the effects of not getting enough of it. That said, apart from dark shadows under the eyes and a persistent need to yawn, is lack of sleep really such a big deal? We’ve been looking into the effect that money worries have on people for some time. Based on the stories we hear from our clients and various studies, it’s probably obvious that a lack of decent sleep is a common side effect. Many of us…
  • 32 ways to save money on your budget

    James
    18 Sep 2014 | 3:39 am
    Cutting your costs is like giving yourself a pay rise! There are two ways you can improve your financial situation. You can either spend less or earn more. Earning more is always nice but it’s not usually all that easy to achieve. Luckily most people can make a few tweaks to their budget and be a bit better off. Cutting back on your living costs can sometimes mean having to do a bit of work to get the best deal but by reducing your expenses it’s a bit like you’re giving yourself a pay rise, so the work definitely pays off! There are lots of things you can do to cut your expenses:…
  • 8 ways to wrap up Christmas early this year

    Rachel
    18 Sep 2014 | 1:00 am
    Don’t get swept up in Christmas mania this year! As much as most of us are loathe to even think about it, Christmas is steadily creeping closer. It’s now less 100 days away! Before we know it, festive adverts will soon dominate our televisions, and from every supermarket speaker will rattle a relentless barrage of cutesy jingles. Bah! Bah humbug, I say! Leaving our gripes to one side for a moment, planning for Christmas now is a wise move – by taking just a few small steps each week, you can save yourself a ton of aggravation come December. 1. Get brutal with your pressie…
  • Head in the cloud – 4 free online storage services

    Rory
    17 Sep 2014 | 6:56 am
    Don’t let the cloud go way over your head Unless you’ve been living under a rock for the past few weeks you’ll have heard the ‘brouhaha’ about celebrity photos and the safety of online cloud storage. Despite a few celebrity leaks we think that if you’re careful enough, cloud storage can be an easy, convenient and most importantly, cheap way to keep your personal computer files in a safe place. Lots of us now use the internet to keep our precious memories safe, via “the cloud”. We often like to think of the cloud floating somewhere in cyberspace which works a bit…
 
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    Help Me To Save

  • Save Money by Regularly Reviewing Services

    Karen Bryan
    17 Sep 2014 | 11:40 pm
    You can save money by being on the lookout for deals and axing services that you no longer use or need. With so many household  bills now being paperless and paid by direct debit and auto-renewals on insurance policies, it’s all too easy to keep paying too much for your living expenses. I’ll illustrate how […]Save Money by Regularly Reviewing ServicesHow to save money. Copyrighted content published on Help Me To Save.
  • Free Trial of the Gourmet Society

    Karen Bryan
    14 Sep 2014 | 11:28 pm
    I took up the offer of three month’s free membership of the Gourmet Society available through Nationwide’s ‘Simply Rewards‘. I really liked the fact that you don’t need to give any bank account or card details to sign up for the trial. I received my membership pack through the post around one week after signing […]Free Trial of the Gourmet SocietyHow to save money. Copyrighted content published on Help Me To Save.
  • Check all the Details Before Buying Cheaper Insurance

    Karen Bryan
    11 Sep 2014 | 11:07 pm
    We’ve had our home buildings and contents insurance with Direct Line for a few years. Their ‘Home Insurance Plus’ includes cover, such as accidental damage, contents away from home, home emergency and legal protection, which incur additional charges with many standard home insurance policies. Direct Line ‘Home Insurance Plus’ also includes annual worldwide travel insurance. […]Check all the Details Before Buying Cheaper InsuranceHow to save money. Copyrighted content published on Help Me To Save.
  • My Money Podcast #93

    Karen Bryan
    10 Sep 2014 | 2:53 am
    The My Money Podcast #93 summarises the recent articles below. listen to ‘My Money Podcast: #93: Recent Articles Roundup’ on Audioboo Subscribe to the My Money Podcast from Help Me To Save in iTunes Too Many Instant & Easy Access Accounts Have Restrictions – There are quite a few instant/easy access savings account which restrict […]My Money Podcast #93How to save money. Copyrighted content published on Help Me To Save.
  • BT You Should Make 1571 Opt In

    Karen Bryan
    7 Sep 2014 | 11:26 pm
    In the past we had telephone answering machines, but they’d always been problematic. Therefore we decided to use the free BT 1571 voicemail service.  The disadvantage of 1571 was that the only way you were alerted to messages was by a different dialling tone when you lifted the phone. Whereas most answering machine emit a […]BT You Should Make 1571 Opt InHow to save money. Copyrighted content published on Help Me To Save.
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    NerdWallet Credit Card Blog

  • Prizes Give Credit Union Members New Reason to Save

    Teddy Nykiel
    19 Sep 2014 | 3:23 pm
    Prize-linked savings accounts give consumers an extra incentive to deposit money: a chance to win cash. Designed with low-income customers in mind, these “no-lose lotteries” have small barriers to entry and no risk, and play off people’s love for games of chance to encourage more saving. Save to Win, started in Michigan in 2009, is the most successful example of a U.S. prize-linked savings program. It sets up a lottery-like system through some credit unions in Michigan, North Carolina, Nebraska and Washington. Participating members open one-year share certificates that earn interest at…
  • Staying Positive When Your Credit Report Is Riddled With Negative Information

    Erin El Issa
    19 Sep 2014 | 2:00 pm
    Maybe you heard the advice “Stay positive!” from family and friends during those times in your life when you just wanted to be negative. Whether you were dealing with a job loss, a divorce or the end of the “Breaking Bad” series, these optimistic people meant well — but likely weren’t very helpful. Stay positive? Why? Well, brace yourself: The Nerds are going to tell you why you should stay positive when your credit report is riddled with negative information. Negative marks on your credit score are temporary There isn’t a credit mistake you can make that…
  • Small Business Loan Success Story: Blue Peach Media’s Collaboration With Neighborhood Trust Federal Credit Union

    Tony Armstrong
    19 Sep 2014 | 10:52 am
    When repercussions from the events of Sept. 11, 2001, eventually spelled the end of the production company for which Gavin Grace worked, he wanted to continue to put his carefully honed skills to good use.  After nearly a decade of shooting and editing video footage as well as creating graphics and animations, Grace had his sights set on starting his own production company. There was only one problem: Grace lacked the capital necessary for a full-scale launch of his business. Without this funding, Grace knew it’d be impossible to fulfill his dream of running his own business. Looking for a…
  • Why Are Accounts That Have Been Paid Off Still on My Credit Report?

    Lindsay Konsko
    19 Sep 2014 | 6:00 am
    Paying off a loan is a liberating feeling. But even though you’re finished with a loan when you make your last payment, this doesn’t mean the loan is finished with you. If you wonder why a paid-off account still lingers on your credit report, take a look at the details below. As it turns out, borrowed money makes a mark that could take years to disappear. Remember: Your credit report contains information about new and old accounts First, it’s important to remember what your credit report is and what kind of information it contains. Your credit report is a detailed document that lists…
  • How To Rebuild Credit After Foreclosure

    Brian Gilbertson
    18 Sep 2014 | 2:42 pm
    The housing crisis dealt a blow to millions of Americans. As difficult as it is to lose a house, it’s important not to get swallowed up in negative feelings. The first step toward rebuilding your credit is to recognize that life throws curveballs, and we have to keep swinging to get on base. If you ended up in foreclosure, then it’s likely that either 1) you bought a house that was too expensive, the price cratered during the crisis, and other factors like job loss prevented you from making your payments, or 2) you took out a loan you really shouldn’t have, and got stuck in an asset you…
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    Forex Research Blog

  • EURUSD: Faces Recovery Threats.

    FXTechstrategy Team
    18 Sep 2014 | 5:48 pm
    EURUSD: With EUR turning higher following a halt in its weakness on Thursday, we think a follow through should occur. Support lies at the 1.2800 level where a break will expose the 1.2750 level. Below here will pave the way for a move lower towards the 1.2700 level. If this continues, expect further downside to occur towards the 1.2650 level. On the upside, resistance lies at the 1.2900 level where a break will aim at the 1.2950 level, its psycho level followed by the 1.3000 level. Further out, resistance comes in at the 1.3050 level. All in all, EUR remains biased to the downside in the…
  • EURJPY: Bullish, Threatens Further Upside

    FXTechstrategy Team
    18 Sep 2014 | 4:01 am
    EURJPY- With the cross reversing its one-day correction, further upside is now expected. On the upside, resistance resides at the 140.50 level where a break if seen will threaten further upside towards the 141.00. Further out, resistance resides at the 141.50 level where a break will aim at the 142.00. Support comes in at the 139.50 level where a break will aim at the 139.00 level. A break will target the 138.50 level with a breach turning focus to the 138.00 level. Below here will aim at the 137.50 level. All in all, the cross remains biased to the upside in the medium term. UNPARALLELED…
  • GBPUSD: Maintains Recovery Bias

    FXTechstrategy Team
    17 Sep 2014 | 3:11 am
    GBPUSD: Maintains Recovery Bias GBPUSD: With GBP following through on the back of its recovery during early trading today, it faces risk of continuation of that strength. Resistance resides at the 1.6350 level with a break aiming at the 1.6400 level. A violation will aim at the 1.6450 level and possibly higher towards the 1.6500 level. Its daily RSI is bullish and pointing higher supporting this view. On the downside, support lies at the 1.6250 level where a break will aim at the 1.6200 levels. A break of here will turn attention to the 1.6150 level. Further down, support lies at the 1.6100…
  • GBPJPY: Declines On Corrective Weakness

    FXTechstrategy Team
    16 Sep 2014 | 5:51 am
    GBPJPY – With GBPJPY seen weakening on corrective pullback, more downside is envisaged. On the downside, support comes in at the 173.00 level where a violation will aim at the 172.50 level. A break below here will target the 172.00 level followed by the 171.50 level. Further down, support lies at the 171.00 level. Resistance lies at the 174.50 level followed by the 175.00 level where a break will aim at the 175.50 level. A cut through here will aim at the 176.00 level. All in all, the cross remains biased to the upside medium term but faces corrective pullback UNPARALLELED ANALYSIS covering…
  • AUDUSD: Halts Weakness, Looks To Recover Higher.

    FXTechstrategy Team
    15 Sep 2014 | 6:50 am
    AUDUSD: With the pair halting its past week sell off during Thursday trading today, we envisaging a corrective recovery higher in the days ahead. Support lies at the 0.8983 level. A cut through here will turn attention to the 0.8950 level and then the 0.8900 level where a violation will set the stage for a retarget of the 0.8850 level. On the upside, resistance resides at the 0.9108 level where a breach will aim at the 0.9150 level. Above that level will set the stage for a run at the 0.9200 level with a cut through here resuming its broader uptrend towards the 0.9250 level. All in all, the…
 
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    CreditDonkey

  • Macy's Credit Card Review: Worth It?

    19 Sep 2014 | 12:00 am
    Shoppers who know how to find Macy’s coupons when the store has big sales and where to find the discounted racks feel a high when they walk off with their bags full of work outfits, everyday clothes, and home goods. They feel like they got a steal. Macy’s knows its most loyal shoppers keep coming back for the deals and hope, of course, that they’ll spend some of their money on full-price items as well. To entice them further, the store teases shoppers with extra in-store promotions ...
  • Survey: Parents Have Longer Attention Span

    17 Sep 2014 | 12:00 am
    Parents report having a laser-like focus across a wide range of activities, unlike their childless peers, according to a poll by CreditDonkey.com.
  • Study: Best Budgeting Software - Quicken vs Mint vs YNAB

    15 Sep 2014 | 12:00 am
    If you want to get ahead in life, you’re going to have to make a budget and stick to it. Even those who have gotten a taste of fortune have learned this lesson the hard way: many lottery winners spent their winnings and then some. It was gone before they knew it. The hard truth is simple: you must spend less than you earn (or win) if you want to save up for a special trip or plan for retirement.
  • PayPal Credit Card Review: Worth It?

    12 Sep 2014 | 12:00 am
    If you’re a casual user of PayPal, arguably the most widely used online payment service, you may not realize it has a credit card. It’s designed to lure loyal members to conduct as many financial transactions with the eBay-owned company as possible.
  • Survey: Who Should Pay on a Date

    11 Sep 2014 | 12:00 am
    Just over half of women surveyed said both genders should take turns paying for dates, but only 6.5 percent of the female respondents seem to practice that philosophy in a new poll by CreditDonkey.
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    Rhonda Sherwood

  • Should you Give your Kids Their Inheritance While you are Still Alive?

    Rhonda Sherwood
    15 Sep 2014 | 12:47 pm
    An inheritance is traditionally a gift transferred to a child or grandchild after a person died. You don’t necessarily have to wait until you have passed to share some of your estate with your loved ones, however. Even if you ultimately decide not to give your kids their inheritance while you are still alive, it’s a good idea to discuss the contents of your will before you pass on. Discuss your Plans for your Estate in Advance Being open about how your estate will be divided in advance will avoid fighting among your survivors and hurt feelings after you have passed. The final decisions…
  • College Students and Credit Cards: Teach Them How to be Responsible with Credit

    Rhonda Sherwood
    8 Sep 2014 | 10:10 am
    If your child has recently started college or university, he or she will be adjusting to a new independence. Part of this phase of life involves learning how to manage money on a daily and monthly basis. What do you think about college students and credit cards? How have you prepared your child for handling credit? College Students and Credit Cards: Educate your Child in Advance You wouldn’t hand your child the keys to your car and expect him or her to know how to drive without getting some instructions first, and you shouldn’t expect them to navigate through the world of credit without…
  • Do You Still Need Life Insurance After you Retire?

    Rhonda Sherwood
    2 Sep 2014 | 7:20 am
    If you think of this life insurance s something that only has value when you are young and working, you may need to take another look at this important financial product. You may find that you still need life insurance after you retire. Why You Still Need Life Insurance After you Retire There are some good reasons to keep this coverage in place, even after you have stopped collecting a pay cheque. The tax-free funds can be used for any or all of the following: Final Expenses Even the simplest funeral or memorial service, including cremation or burial, will have some costs involved. How will…
  • What Does the Second Chapter of your Life Look Like?

    Rhonda Sherwood
    25 Aug 2014 | 1:09 pm
      After a number of years in the workforce and dealing with deadlines, demands (and way too much office politics) you are more than ready for an infinite amount of rest and relaxation. You have marked the day on the calendar when you are finally free to enter the mysterious world of retirement and can enter the Second Chapter of your life at last. Six months after you leave work, you are well rested. You have slept in every day ignored the news and have kept your distance from all things relating to your past employment. Life has been easy but you have found yourself at loose ends. How…
  • Are you Looking at Joint Tenancy for Financial Assets? Proceed Carefully

    Rhonda Sherwood
    18 Aug 2014 | 2:02 pm
    Holding financial assets in a joint tenancy is quite common, and in some circumstances it can make good sense. When bank accounts, real estate, mutual funds, bonds, and securities are owned by a couple, the title is passed to the survivor automatically if one of them dies. (Often, the only legal documentation which must be produced is a death certificate.) When the two (or more) people who will be taking ownership as joint tenants are parents or grandparents and children, the situation can become much more complicated. Legal Owner and Beneficial Owner The courts have made a distinction…
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    Recent Blog Posts

  • What is the Statute of Limitations for Debt in California?

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

    29 Aug 2014 | 7:09 am
    To start it helps to understand the purpose behind statutes of limitations. They are policy decisions by state legislatures intended to limit how long a person or business can pursue someone in court on certain kinds of legal claim before the evidence for that type of claim tends to deteriorate or disappear. When a person fails to pay a debt, that's considered a "breach of contract." That breach of contract gives the creditor a "claim" or "cause of action"—a legal reason to file a lawsuit against the person. Different states have different lengths of…
  • Refinancing Your Mortgage After Bankruptcy

    15 Aug 2014 | 9:02 pm
    REFINANCING YOUR MORTGAGE AFTER FILING BANKRUPTCY Contrary to a common misunderstanding, filing bankruptcy can often improve your credit record instead of harm it. This is true for a number of reasons but mostly because while having excessive debt drags down a credit record, legally eliminating all your debt or greatly reducing its amount tends to improve your credit score. This may happen quite quickly or may take some time. With an improved credit score, one of your wisest financial moves after bankruptcy is to refinance your home mortgage. But this may be harder to accomplish than your new…
  • Reaffirming a Mortgage in California -What Are the Advantages and Disadvantages

    31 Jul 2014 | 11:49 am
    A couple months ago I discussed why My Mortgage Company Is Not Sending Me Statements After Bankruptcy, and why My Credit Report Does Not Show Mortgage Payments After Bankruptcy. Both of these situations are related to the reality that in most Chapter 7 "straight bankruptcy" cases, your mortgage will not be "reaffirmed." To understand this area better we need to understand "reaffirmation." WHAT IS REAFFIRMATION? You reaffirm a debt in bankruptcy when you voluntarily agree to continue to be legally liable on that debt after the completion of your bankruptcy case.
  • Reaffirming Personal Property Other Than Your Vehicle

    20 Jul 2014 | 11:29 pm
    I've written here recently about how to keep your vehicle that you owe money on when filing a Chapter 7 "straight bankruptcy" case. See my previous blog posts Reaffirming Your Vehicle in a Chapter 7 and Do I Have to Reaffirm My Vehicle in California? But what about other kinds of personal property—furniture, appliances, electronics—that are collateral on a debt? How do you keep those kinds of collateral if you file a Chapter 7 case? WHAT DIFFERENCE DOES IT MAKE IF YOUR PERSONAL PROPERTY IS LEGALLY COLLATERAL ON A DEBT? Outside bankruptcy, and especially in a…
 
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    The Penny Hoarder

  • Handy With Tools? Here’s an In-Demand Business You Probably Never Considered

    Steve Gillman
    19 Sep 2014 | 10:00 am
    It’s a dangerous world out there for cats, what with cars, coyotes, and other kitty killers. That’s why indoor cats live up to three times as long as outdoor cats, and why my wife and I keep our cats inside most of the time. However, the cats love fresh air and get bored easily when kept indoors. That’s a problem — and if you’re the entrepreneurial sort, you know that where there is a problem, there is a moneymaking opportunity. (Like this idea? Click to tweet it!) Solve a Problem to Make a Profit More and more cat owners are becoming aware that cats need mental…
  • What You Need to Know About Debt: Lessons From a Debt Collector

    Kelly Gurnett
    19 Sep 2014 | 3:00 am
    Debt collectors don’t want to call you any more than you want to call them. Or at least, some of them don’t. Like Grayson Bell, who left his job as a debt collector for a major mortgage servicing company after realizing he preferred to help people in bad financial straits rather than harass them. In keeping with that mindset, he recently spilled some insider secrets of the debt collection trade in an article on Daily Finance — and if you have any debt, from a mortgage to a credit card, it’s worth listening up. What Creditors Don’t Want You to Know In his post, Bell discussed…
  • 21 Awesome Student Discounts Every College Student Should Know About

    Lindsay Luebbering
    18 Sep 2014 | 3:00 am
    It might seem weird to think of businesses vying for the attention of college kids — after all, students aren’t exactly flush with cash. But businesses know that getting on your good side as you’re gaining your independence can result in a lot of money for them over time, starting in just a few years when you graduate, get your first full-time salary, and figure out how to manage your finances on your own. Plus, college students are tech-savvy and love social media, which makes them an asset for businesses. Savvy execs know how to get your attention: discounts. So grab your student…
  • Don’t Mind Getting a Little Grubby? Collect Worms for Cash!

    Steve Gillman
    17 Sep 2014 | 10:00 am
    Which underground animal can take the shape of a dollar sign? A worm! And while there are those who make good money farming worms at home, there is another way to profit from these wigglers without breeding them in your house or garage. You can make good money collecting worms in their natural environment. Worms have several distinct markets, though the most common is as fishing bait. As children, my brothers and I dug up worms in the woods and sold them by the dozen to neighbors who liked to fish. We put them in paper cups or any containers we could find. Another market is gardeners.
  • Thinking About Running a Bed and Breakfast? Read This First

    Renee Knight
    17 Sep 2014 | 3:00 am
    Karen Lynch can’t help but laugh when guests tell her how they picture her day, a leisurely one spent serving breakfast, pouring wine and chatting up out of town visitors as they relax at her bed and breakfast, the Inn on Randolph. In reality, Karen’s days are much more hectic than that — more so than she ever imagined in 2011 when she and her husband bought and renovated a then outdated, run-down bed and breakfast in Napa, California. They now spend their days managing the B&B’s website, responding to reviews, managing social media accounts, bookkeeping, fixing anything…
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    Learn Financial Education

  • 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…
  • Why is it Hard to Save Money

    Gily Tenorio
    1 Aug 2014 | 6:53 pm
    I’ve been blogging about personal finance and saving money for quite few years now. Many readers may find it difficult to save money because of various reasons. When I am starting to save money,  I have also the same experience. One author I remembered said, everything is hard before it is easy. It is much the same as saving money. At first, it will be very difficult but as you started to act, it will be easier for you to do so.   Here are the several reasons why many people find it difficult to save money and how you can win over these obstacles.   1. You Don’t Have…
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    Don't Go Alone: Your Freedoms and the Law

  • 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…
  • Rumors and Lies: How does a Law Abiding Resident Determine if a Firearm is Legal to Purchase in Massachusetts?

    Justin Kelsey
    10 Jun 2014 | 10:00 am
    On April 27, 2014, @MassGov, the official Twitter account of the Commonwealth of Massachusetts, posted the following:“Before purchasing a firearm, make sure it is on the roster of ones approved in #MA. [Link is a #PDF] ow.ly/wa78k”This tweet is both a misstatement of the law, and misleading to lawful gun owners in Massachusetts. The link contained in the Twitter post takes you to to the “Commonwealth of Massachusetts Executive Office of Public Safety and Security Approved Firearms Roster”, often referred to as “the EOPSS Roster”.  We’d like to take this opportunity to…
 
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    Consumer Help Central

  • 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…
  • The Tao Of Being Sued For A Private Student Loan

    Jay Fleischman
    21 Aug 2014 | 3:00 am
    Until a private student loan lender decides to file a lawsuit against you, there’s nothing but chaos and uncertainty. That’s all replaced, for better or worse, the instant the case is filed. There’s a natural order to things. Up is above, and down is below. For every day there is night. That’s the concept of Tao, and it enables us to walk through the world with a sense of certainty. That certainty, unfortunately, is thrown out the window when it comes to dealing with a past due private student loan. Consider all the points of uncertainty when your student loan goes…
  • Win A Debt Collection Lawsuit Using These 2 Magic Words

    Jay Fleischman
    19 Aug 2014 | 11:06 pm
    Did you know that two magic words can help you defend – and possibly win – a collection lawsuit? Whether you’re being sued for a private student loan, a credit card debt gone bad, or a bank loan it’s unbelievable that the lender or debt buyer can be scared off so easily. At least, that’s the sense Ira Glass gives in the prologue to the episode of This American Life that aired on August 15, 2014. Relaying a story by Jake Halpern, Glass tells of a Georgia couple who had fallen on hard times. They went past due on their credit cards and got sued by LVNV Funding…
  • 6 Things That Won’t Happen When You Get Out Of Debt (And 1 Thing That Will)

    Jay Fleischman
    19 Aug 2014 | 3:00 am
    There are things I haven’t told you about the world after you get out of debt. That nobody else has told you is at once a source of vindication and shame. I’m not the only one who’s left out the tidbits, so that’s good – but someone should have clued you in. Rather than let it drag on even longer, I thought I’d give you a quick rundown. This way you’ll never again be able to point your finger at me and claim I was somehow untruthful. You won’t be better looking. When you get out of debt, the years won’t fall off you like fairy snowflakes.
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    Musings of a Money Manager | The Personal Blog of John Rothe

  • Risk Ahead – How Risky Are Bond Funds?

    John Rothe
    18 Sep 2014 | 6:52 am
      To watch this video on YouTube click here   Why Worry Now About Bond Funds? Since the early 1980’s, interest rates have been on the decline and are now at historic lows. However, some investors are worried that we may be on the verge of a reversal in trend as the US Federal Reserve (aka the Fed) continues its program of tapering the Fed’s purchase of US Treasury bonds. (Remember: the Fed controls short term rates, while the market controls long term rates.) While retirees typically use bonds as a fixed income source, most investors use bonds as part of an asset…
  • Will There Be A Stock Market Rally This Fall?

    John Rothe
    10 Sep 2014 | 7:03 am
    As the stock market hits record highs, investors are wondering “will there be a stock market rally this fall?”. Investors seem very compliant nowadays. In fact, this market is starting to feel a bit like the market of the late 1990s — when the strategy was to just “buy the dips”. While the economics are vastly different now than in the late 1990s, the current mindset among traders seems to be the same. Let’s take a look at the S&P 500 index. Long term, the upward trend remains in place. Every time the market dips, buyers come in. To get a better look…
  • Top 10 ETFs For This Month’s Global Asset Allocation Strategy

    John Rothe
    5 Sep 2014 | 7:23 am
    Each month, I like to update my global asset allocation strategy (aka the global relative strength ETF portfolio model). This model is based on the relative strength of a prescreened ETF universe. The purpose of this model is two-fold: -Create a simple international investment model. -To help view where global investors are buying and selling. As geopolitical risks are increasingly appearing in the headlines, keeping an eye on the relative strength of different parts of the world can help us gauge how other investors are reacting to these risks. If this is your first time visiting this site,…
  • What Is The Best ETF Hedging Strategy?

    John Rothe
    13 Aug 2014 | 3:00 am
    What is the best ETF Hedging Strategy? Sometimes the simplest is the best. So, What Is The Best ETF Hedging Strategy? — A Systematic Approach To Protect A Portfolio Against Another 2008 Style Decline Lately I have been reading more and more articles in the financial press about how another major stock market decline is at our doorstep. The problem is how to decide when and if another major stock market decline will occur and how to protect your portfolio without missing any potential market upside. Typically, I like to use inverse ETFs in a portfolio during a long term decline in order…
  • How To Take Advantage Of The Current Stock Market Pullback: Global Investment Strategy Update

    John Rothe
    5 Aug 2014 | 11:04 am
    Last week, the US stock market quickly sold off its July gains. Some are starting to wonder if this stock market pullback is a buying opportunity in the markets, or the start of a major decline. Taking a look at my global asset allocation strategy can give us some clues into what global investors are thinking. ETF Portfolio Selections For August 2014 To start, this month’s changes in the portfolio still reflect strong relative strength in the US and global markets. Typically, at the start of a major bear market decline, we will begin to see early warning signs: Relative strength in our…
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    Thirty Six Months

  • 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…
  • Five things to remember when writing your professional resume

    Marissa Anwar
    26 Aug 2014 | 8:24 pm
    The job market out there is tough. Hundreds of applicants are applying to fill one position. Your job is to stand out from the crowd. How are you going to make your application look different from the hundreds of applications being considered? Here are some helpful to tips to keep in mind when writing your resume. Stuck on the job search? Make sure you’re looking at all the online job boards such as OneShift . DON’T FORGET TO BRAG Your resume is all about selling yourself. Talk about your accomplishments. What have you done? What are your goals? Use your resume to tell your potential…
  • 4 Neighborhoods to Stay in When You Visit San Francisco 

    Marissa Anwar
    24 Aug 2014 | 8:34 pm
    San Francisco welcomes nearly 17 million travelers every year, making it one of the most popular tourist destinations in the United States. The City by the Bay has some beautiful neighborhoods, but which one is right for your vacation?     1. Fisherman’s Wharf is Fishy Fun   Most visitors to San Francisco have Fisherman’s Wharf on their itinerary, but you needn’t make a special effort to visit if you base yourself in this buzzing neighbourhood. Choose a room with kitchen facilities, like the penthouse suite in The Wharf Inn, and buy a fresh catch to cook in…
  • When the going gets tough: A lesson from Alice

    Marissa Anwar
    21 Aug 2014 | 9:29 pm
    By and large I like to accentuate the positive in these pages. I’m a fairly upbeat kind of a person and I like to think my life is heading on a fairly upward trajectory. I get a kick out of sharing that positive energy. But when a friend of mine lost their job last year, I realised that not everyone is necessarily going to be in quite the same place. And that got me thinking. My friend Alice had enjoyed a well-paid position with a local small firm. She’d been there straight from college and she liked it. She was really happy there. And that made it all the more difficult when the company…
 
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    Thirty Six Months

  • 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…
  • Five things to remember when writing your professional resume

    Marissa Anwar
    26 Aug 2014 | 8:24 pm
    The job market out there is tough. Hundreds of applicants are applying to fill one position. Your job is to stand out from the crowd. How are you going to make your application look different from the hundreds of applications being considered? Here are some helpful to tips to keep in mind when writing your resume. Stuck on the job search? Make sure you’re looking at all the online job boards such as OneShift . DON’T FORGET TO BRAG Your resume is all about selling yourself. Talk about your accomplishments. What have you done? What are your goals? Use your resume to tell your potential…
  • 4 Neighborhoods to Stay in When You Visit San Francisco 

    Marissa Anwar
    24 Aug 2014 | 8:34 pm
    San Francisco welcomes nearly 17 million travelers every year, making it one of the most popular tourist destinations in the United States. The City by the Bay has some beautiful neighborhoods, but which one is right for your vacation?     1. Fisherman’s Wharf is Fishy Fun   Most visitors to San Francisco have Fisherman’s Wharf on their itinerary, but you needn’t make a special effort to visit if you base yourself in this buzzing neighbourhood. Choose a room with kitchen facilities, like the penthouse suite in The Wharf Inn, and buy a fresh catch to cook in…
  • When the going gets tough: A lesson from Alice

    Marissa Anwar
    21 Aug 2014 | 9:29 pm
    By and large I like to accentuate the positive in these pages. I’m a fairly upbeat kind of a person and I like to think my life is heading on a fairly upward trajectory. I get a kick out of sharing that positive energy. But when a friend of mine lost their job last year, I realised that not everyone is necessarily going to be in quite the same place. And that got me thinking. My friend Alice had enjoyed a well-paid position with a local small firm. She’d been there straight from college and she liked it. She was really happy there. And that made it all the more difficult when the company…
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    Compare Wallet: Making Sure Your Money Isn't Accepting Second Best

  • Credit Cards in the News: September 13-19, 2014

    Chris Mettler
    19 Sep 2014 | 2:25 pm
    Credit card news pops up every week and it’s not always easy to keep track of each story, especially all the stories about credit card fraud. That’s why we provide you with a summary of the top stories on CompareWallet so you can read what matters the most and not have to worry about all the other stuff. Here are the highlights for September 13-19, 2014. 56 Million Credit Cards at Risk For the past few weeks now we’ve been reporting about the Home Depot data breach. Previously, it was estimated that over 60 million credit cards could have been compromised. Home Depot just released…
  • Portable Payment Systems: What’s the delay?

    Tom Kerr
    18 Sep 2014 | 9:47 am
    For a few years now we have heard about the wonderful high-tech innovations that will make payment transactions faster, easier, secure, more affordable, and completely portable. Using Wi-Fi, Near Field Communication (NFC) and smart phone technology have made it possible to complete purchase transactions without even using actual plastic. The question many of us are asking today is where are all these payment technologies? If they are really that great, why aren’t banks and retailers rolling them out and promoting them as the latest new thing? 3 Competing Pieces of One Puzzle There are three…
  • The Best Student Credit Cards of 2014

    Chris Mettler
    17 Sep 2014 | 3:00 pm
    Student credit cards are specifically designed for first-time credit card owners, such as college students. It wasn’t until recently that student credit cards started to develop better features and programs such as tools to help students manage their credit and monitor their spending. Some of these programs even offer rewards for purchases that can be redeemed for statement credits, gift cards, merchandise, or even received as a check. The best student cards should offer a combination of programs and features that benefit the first time credit card owner. Unlike prepaid debit cards,…
  • What are 529 Savings Plans?

    Tom Kerr
    17 Sep 2014 | 9:04 am
    With school back in session many families are trying to figure out how to pay for college. A great option would be opening a 529 plan. This is a savings plan that offers special tax advantages and are specifically designed to help people  save up money for college. 529 plans are technically referred to as a “qualified tuition plans,” and they are sponsored by states, state agencies, and educational institutions. Two Types of Plans All fifty states and the District of Columbia sponsor at least one type of 529 plan, and in some states privately-operated colleges and universities  also…
  • Discover and Amex Win Top Customer Satisfaction Honors

    Tom Kerr
    16 Sep 2014 | 7:29 am
    J.D. Power & Associates is a market research firm owned by the publishing giant McGraw Hill. Most people have heard the name in conjunction with awards in the automotive industry, because J.D. Power & Associates ranks vehicles for a number of different categories for customer satisfaction. The company also began conducting customer satisfaction surveys related to credit cards in 2007. The results of the latest survey, which gathered feedback from 20,000 credit card customers over a period of nine months, have just been announced. The input from those who were surveyed covered such…
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    Feeds : dailyworth

  • 6 Fascinating Mind Tricks That Help You Save Money

    16 Sep 2014 | 9:00 pm
    Psych Yourself Rich Putting money aside seems pretty straightforward. But, seeing as the average personal-savings rate is just 5.7 percent (compared to 11 percent two decades ago), it’s definitely easier said than done. “We like to think of ourselves as rational when it comes to finances, but our decisions are shaped by psychological and emotional triggers,” says financial behaviorist Jacquette M. Timmons, author of “Financial Intimacy.”   Not only are many of these cognitive workings subconscious — so we aren’t aware of the profound…
  • Who Will be the Most Financially Stable in 10 Years?

    15 Sep 2014 | 9:00 pm
    Find Out If we had a crystal ball to tell us exactly how financially fit we’ll be in the coming years, our money stress would probably drop exponentially. We don’t, alas, but what we do have are financial planners who can take a look at where we are today and extrapolate what our future balance sheets might look like if we make the right (or wrong) kind of changes.  To that end, we asked Diahann Lassus, CFP, CPA and president of Lassus Wherley, a financial planning company in New Providence, New Jersey, to examine the fiscal fitness of five real women. “Managing money…
  • Value vs. Perception: Why You’re Paying More for These 8 Luxury Items

    8 Sep 2014 | 9:00 pm
    What the Idea of Luxury is Costing You The popular notion that shelling out more for luxury items guarantees better craftsmanship, better fit or longer use doesn’t mean that’s what you actually get. There’s a fair amount of disparity between real value and perceived value, a question worth asking given that the number of luxury consumers has more than tripled in the last two decades. Moreover, CNBC reported that North America is considered the most important market for luxury product growth over the next five years.  But “luxury” products…
  • 5 Common — and Costly — Investing Myths

    1 Sep 2014 | 9:00 pm
    True or False Myths about investing are costly. They can lead you to take too much risk, or too little, or avoid investing altogether, which likely is the most costly mistake of them all. Here are some common investing myths — from the belief that investing is the same as gambling to assuming you must have a lot of money to make money — and the truths that can set you free to build your wealth. The Myth: Investing is basically just gambling. There are definite similarities between the stock market and casinos. People hope to make a fortune, but the risk of loss is great. The only…
  • Back-to-School Savings Tips You Can Use All Year

    26 Aug 2014 | 9:00 pm
    Spend Less, Stress Less For parents, the beginning of a new school year requires more than just getting children back on a regular schedule and helping out with homework. It requires money — often lots of it. The average family with grade-school children will spend $669.28 on apparel, shoes, supplies and electronics, up 5 percent from $634.78 last year, according to the National Retail Federation’s 2014 Back-to-School Survey.   But going back to school doesn’t have to cost so much. Savvy shoppers and organized planners can find lots of ways to save on school…
 
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    Money Q&A

  • Do You Have A Spending Problem?

    Hank Coleman
    15 Sep 2014 | 3:20 am
    I pulled up to the drive-through window of my favorite fast food restaurant and ordered the meal that I always get. When I drove around to pay, the cashier said hi and mentioned that she hadn’t seen me there in a while. I obviously go there too often. I also find myself getting a little upset when people oust me on Foursquare as a mayor of any one of my favorite restaurants. It irks me. I’m mayor of several, and I feel a sense of competition when someone steals the title. There is a telling pattern in this that may mean I have a spending problem. There are other clues, of course.
  • Why Now Is The Time To Close Your Account At The Bank Of Mom And Dad

    Guest Contributer
    4 Sep 2014 | 5:50 pm
    If you are in your teens or early twenties, you know that Mom and Dad won’t be there to provide for you forever. You may be just starting to earn your own money from odd jobs and be a long way off from achieving a full financial independence from your parents, but you can start with not asking them for money every time you want to go out with your friends. If you want to go for a drive around town, fill up the car with your own money, or walk instead. It’s time to start standing up on your own, beginning with closing your account at the Bank of Mom and Dad. Financial dependence and…
  • Don’t Get Caught Out Without A Backup Plan

    Guest Contributer
    3 Sep 2014 | 3:09 am
    On more than one occasion in 2014 news headlines have contained two words that – when used together – send a shiver down the spine of every airline boss and traveller, both of the business and leisure variety. Those words are “Iceland” and “volcano”. Should the worst case scenario arise, make sure you and your staff have a reliable travel money card to support them in the event of a potential stranding. Anyone who recalls the events of April 2010 will be well aware that the scenario proposed is not one that affects Iceland alone. When the country’s Eyjafjallajokull volcano…
  • Trade Forex: A Decidedly Directional Strategy for Success

    Guest Contributer
    16 Aug 2014 | 8:04 am
    “The trend is your friend.” You’ve heard that before, right? When you trade forex, many traders live and die by that rule. There’s a reason why. Trend following is a major trading strategy employed by even expert traders. But, it’s not the only trading strategy or methodology out there. Forex is primarily a directional-driven market where traders must decide how they will exploit movements in the market. A static or “sideways” market is nobody’s friend. At the same time, directional trading can easily turn against even the most experienced trader. These trading strategies…
  • How To Apply For Personal Loans Online

    Guest Contributer
    15 Aug 2014 | 12:18 am
    Every once in a while, we all need a little help when it comes to money. Taking out a small, fast personal loan can help you make ends meet when you need it most, whether it is because your car has unexpectedly broken down, or you have been hit with a few unforeseen medical bills. Luckily, these days it is easy to apply for a loan online, and fast. Here are our tips for preparing, applying and getting approved online for a personal loan. Know your credit history Also a key step to managing your finances going forward, knowing your credit history and rating is the best way to determine if you…
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    Creative Money

  • The personal finance tool of multi-millionaires

    Mindy Crary
    16 Sep 2014 | 8:17 am
    It always amazes me that people think when you make a lot of money, you quit worrying about how you spend it.  Personal finance just doesn’t work like that.  I just had a meeting last night where this multi-millionaire was overjoyed to get set up on Mint.  Over. Joyed.  As I was leaving, I started thinking back to the other multi-millionaires I have worked with…if they weren’t tracking already, they all appreciated learning about a tool to help them do that more easily. So why do the “normal,” non-millionaire people resist it so much?  Sigh.  Now, I don’t want you to get…
  • Super useful links to get your wealth building + small business brain back in the game

    Mindy Crary
    9 Sep 2014 | 7:09 pm
    In today’s post I round up incredibly helpful links for you! In the themes of success, self-employment, creativity, and small business!   Love this post and reminder of how success really works:  Famous Comedian Steve Martin Shares Three Insights On Success. I met Kyla Roma at Pioneer Nation this past spring, and I love-love-love this curated list of podcast recommendations that she created.  I’ve found that I can consume huge amounts of podcast content as I drive around! This recent book by Malcolm Gladwell challenges our thinking on class size and the (dis)advantages of attending…
  • How I figured out that making good money has nothing to do with prosperity

    Mindy Crary
    2 Sep 2014 | 11:56 am
    Starting a financial planning practice can be difficult…and I have done it twice.  The first time, things started coming together for me after a year.  I was building my practice and acquiring clients, and some of the tension I felt over tight cash flow and starting my own business was starting to ease.  But even in the midst of professional and financial success, I couldn’t feel it.  I didn’t feel the prosperity because how I felt about anything wasn’t even a consideration back then. What I got instead of prosperity… I made good money, but I was completely unconscious…
  • Three things you forgot to teach your child about money

    Mindy Crary
    26 Aug 2014 | 11:43 am
    Children as young as three years old can grasp financial concepts like saving and spending.  And a report by researchers at the University of Cambridge commissioned by the United Kingdom’s Money Advice Service revealed that kids’ money habits are formed by age 7.  Here are three things that traditional advice forgets when encouraging you to teach your child about money. Three things to teach your child about money Usually when you teach your child about money, it’s the basics about saving, spending and charity…this is pretty standard (and here’s a great article covering some…
  • How to become a stock market ninja

    Mindy Crary
    19 Aug 2014 | 10:30 am
    Despite 91% of women saying it’s important that they feel confident in their abilities to invest, 58% of these women don’t have any interest in learning about the stock market.  As USA TODAY reports, millennial women show less interest and confidence than millennial men when it comes to the stock market. For instance, 49% of women, compared to 69% of men, agree the stock market is the best place to invest for retirement.   At some point, ladies, you’re going to need to take the stock market plunge.  Why?  It’s the best way to grow your money over the long term.  I’ve…
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    Three Thrifty Guys

  • Lessons I Learned From My Great Depression Parents

    Charlie
    18 Sep 2014 | 2:00 am
    My parents were products of parents that lived through the heart of the Depression. They had Great Depression living practiced every day of their life. Consequently, I am the product of Great Depression grandparents, which was passed down through both my parents. As they say, the apple doesn’t fall too far from the tree. In talking with my wife about an idea on what to write about, she said, “Why not talk about things that you do as a result of watching your parents?” From our discussion, I realized that, ya, I do have a lot of what I consider natural tendencies, which…
  • Always Ask for the Special

    Aaron
    15 Sep 2014 | 3:42 am
    This one is going to be short and sweet (I hope). My family and I had the chance to get away from it all this past week and it was a very welcomed break. While we were away, my brother, his son and I hit up a driving range that had a chip and putt on its grounds (for those of you who aren’t “in the know” about golf – a “chip and putt” course is one where most of the golf holes are less than 100 yards – so all you really need to do is hit a “chip” and a “putt”). We visited this one-man operation last year too – and I…
  • Why You Can’t Be Trusted to Save Money

    Aaron
    11 Sep 2014 | 4:08 am
    I was skimming through Reddit and found this (kind of) offensive video on “Why American’s Are So Bad at Saving Money“. Here, have a look and let me know what you think in the comments section. To the author’s credit, it’s true we aren’t doing so great at saving money. As the video states, in the 1970’s, American’s socked away about 12% of their take-home pay. Today, that number has dwindled to 5%. But, can you blame us? Our “needs” have certainly changed in 40 years. Today, we “have” to buy: cell phone cell phone plan…
  • 3 Types of Hobbies

    Matthew
    8 Sep 2014 | 4:01 am
    According to Wikipedia (just to flaunt my credibility from the start), a hobby is an “activity, interest, enthusiasm, or amateur pastime that is undertaken for pleasure or relaxation, typically done in one’s leisure time.”  I like how the definition implies that the activity is life-giving. Along with the definition, the site provides over 250 ideas for hobbies that I’ll share from. A friend of mine gave me advice recently in considering hobbies. He said there were three hobbies that I ought to try and have: a hobby that improves my health, a hobby that makes money, and a hobby that…
  • The 2nd Annual Goodwill Smackdown Challenge

    Aaron
    4 Sep 2014 | 4:12 am
    Hey thrifty friends! We are excited to announce our 2nd Annual Goodwill Smackdown Challenge! What’s all the fuss about you ask? Last year, our man Charlie had the brilliant idea of holding a thrift store challenge where each participate (three thrifty guys and a thrifty gal), would purchase a “valuable” item at their local Goodwill store which they believed might turn a profit. The person with the highest profit would end up winning the Challenge (last year, it was our resident thrifty gal). For the 2nd installment of the Goodwill Smackdown, we are going to do things a…
 
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    Kitces.com

  • Weekend Reading for Financial Planners (Sep 20-21)

    Michael Kitces
    19 Sep 2014 | 10:52 am
    Enjoy the current installment of "weekend reading for financial planners" - this week's edition kicks off with the recent "Fiduciary Leadership Summit" in Washington DC, hosted by TD Ameritrade and the Institute for the Fiduciary Standard, highlighting "war stories" of consumers injured by gaps in the fiduciary duty for brokers and an interesting response by former regulator Robert Plaze that perhaps the best outcome is not a uniform fiduciary standard for all but simply that the brokerage industry needs its own standalone regulatory reforms. Also in the news this week is a new NASAA working…
  • Valuation-Based Tactical Asset Allocation In Retirement And The Impact Of Market Valuation On Declining And Rising Equity Glidepaths

    Michael Kitces
    17 Sep 2014 | 4:01 am
    For retirees who are more concerned about running out of money in retirement than leaving a large inheritance behind, the optimal retirement asset allocation strategies shift from focusing on wealth maximization and owning as much in equities as you can tolerate (to provide the greatest return on average), to approaches that do a better job of preserving wealth in adverse scenarios (even if it costs excess upside when times are good). This retirement approach of focusing on minimization to spending risks over maximization of wealth accumulation has led to a wide range of retirement asset…
  • Effective Succession Planning For Financial Advisors And The Problems With Advisor Compensation Based On Revenue Sharing

    Michael Kitces
    15 Sep 2014 | 4:01 am
    For years, industry commentators have been anticipating an “onslaught” of retiring baby boomer advisors who will begin to engage in succession planning en masse and sell their firms over the next decade. Yet year after year, the baby boomers get older, and the sellers don’t materialize; with an astonishing paucity of sellers to external buyers and an abundance of buyers, it remains a seller’s market for financial advisory firms. Yet in a new book, David Grau (founder of FP Transitions, a firm that has potentially already been involved with more advisory firm sales than any other…
  • Weekend Reading for Financial Planners (Sep 13-14)

    Michael Kitces
    12 Sep 2014 | 11:57 am
    Enjoy the current installment of "weekend reading for financial planners" - this week's edition kicks off with a call for better regulation of financial planning as a distinct calling unto itself, recognizing that in Massachusetts it's harder to get a license to be a cosmetologist than it is to become a financial planner! There's also an article discussing the recent rumored-to-be-on-a-fast-track NASAA regulatory proposal (now in comment period) that may require state-registered RIAs to adopt more substantive business continuity and succession plans for the protection of their clients. From…
  • Why Individuals Should File And Suspend Their Social Security Benefits – Reinstatement Of Voluntary Suspension Versus Retroactive Benefits

    Michael Kitces
    10 Sep 2014 | 4:01 am
    The Social Security file-and-suspend strategy has been used primarily for couples to coordinate the delay of individual retirement benefits (earning delayed retirement credits) while making a spouse eligible to begin his/her spousal benefits. It can also be used as a partial form of "undo" for a retiree who started benefits early, and later wishes to suspend them (at full retirement age) to earn delayed retirement credits (a benefits increase that can partially or fully offset the decrease triggered by electing benefits early in the first place). However, the strategy to file and suspend…
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    Epic Finances - Investment Blog

  • 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…
  • Signs that Samsung may be significantly underperforming

    Carmello
    5 Sep 2014 | 4:00 am
    Earlier in the year one of the first major signs that Samsung might significantly underperform near-term expectations came when it warned investors about a huge 24% decline in their operating profits. Citing challenges with currency, cannibalization of its smaller tablets by phablets and headwinds against the sales of their other smartphones, news about the company since then has continued to worsen. One of those bits of news is the fact that the iPhone 5S, which Apple released nearly 8 months ago, is still outselling their flagship smartphone, the Galaxy S5, even though it was released just…
  • Why you should invest in Stocks

    Carmello
    28 Aug 2014 | 3:00 am
    This quick little blog is going to explain why, if you want to invest, investing in stocks is one of the best choices you can make. The fact is that, over the past 100 years or so, any long-term savings that you invested would have done much better in the stock market than anywhere else you could have invested, including real estate, gold, bonds and definitely collectibles. Now, before you begin, and before you enter any ticker symbols, track the Dow or look deeply into a specific company’s cash flow, you should definitely set some expectations for yourself. One of the very best rules of…
  • Risk Free Lesson on Investing

    Carmello
    20 Aug 2014 | 3:00 am
    If you’ve just started investing the truth is that you’re probably scared to death about putting your hard-earned money at risk. After all, investing is risky and, as a newbie, you have anxiety that you won’t do it “right” and lose some of your hard-earned money. The truth is, a little bit of fear is absolutely normal. That being said, today we’re going to give you some great advice about how to learn some investing strategies, and give them a practice run, before you actually begin to invest your hard earned money “for real”. Enjoy. Create a mock portfolio online Okay,…
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    cheapbohemian

  • 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…
  • How I Threw Things at My Kid Last Year, and How We Both Survived To Do It Again

    Lisa Schamess
    27 Aug 2014 | 7:22 pm
    Last year at this time, we were on Day Four of homeschooling CheapBohemian the Younger. It was a learning process for everyone. Even with 20+ years of high school and college teaching experience between us, John and I found the experience daunting, and often a little hit or miss.Still, I've never been one to back slowly away from a foolhardy idea. This week I re-upped for Year Two.I hesitate to say this till that last knife leaves my hand, but it already feels like we're all winning. Last year we were gobsmacked, exactly like all new teachers are, when our carefully structured…
  • Poetry Thursday: An Excellent View of the Essence of Things

    Lisa Schamess
    12 Sep 2013 | 6:20 am
    My beloved--and I can't say how very much she is be-loved to me--Stephanie Schamess sent me this poem by Wislawa Szymborska for my birthday today. It's a big birthday--as all birthdays are.We live in a world where life is still inestimable and, unable to count it, we account is as cheap. We live in a world despoiled, corrupted, persistent, contested, impossible to fathom, vulnerable to misery and seemingly impermeable and indestructible due to its very precarity, its very fluidity, its very unknowing unknowableness. But we live. And some of us really know how to do just that.Thimble…
  • What I Did All Summer

    cheapbohemian
    10 May 2013 | 7:38 am
    (...and Also All Fall, Winter, and Most of the Spring)Sorry I'm late. But read on--I have a poem for you at the end of all this. Even better: IT'S NOT MY POETRY!So, I miss you guys, and I miss being the cheeky, moxy-afflicted personality of the Cheap Bohemian.But out in the world, a lot has been happening. I keep meaning to come back here and look at all of it through my Cheap lens, and maybe even impart some money wisdom. But a lot of what has been happening has been so profound (and frankly some of it, so profoundly not funny) that words have failed me. Repeatedly.That's a good thing.
  • Poem Tuesday

    Lisa Schamess
    12 Mar 2013 | 10:00 am
    The ClamMary OliverEach one is a small life, but sometimes long, if its place in the universe is not found out. Like us, they have a heart and a stomach; they know hunger, and probably a little satisfaction, too. Do not mock them for their gentleness, they have a muscle that loves being alive. They pull away from the light. They pull down.They hold themselves together. They refuse to open.But sometimes they lose their place and are tumbled shoreward in a storm. Then they pant, they fill with sand, they have no choice but must open the smallest crack.Then the fire of the world touches…
 
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    The Savvy Scot

  • OMG, we have rats! How to fight a rat invasion

    Pauline
    17 Sep 2014 | 11:03 pm
    Or mice. What is the difference anyway? They are disgusting, they have long tails, they eat my food. It happened while we were away for a few weeks, and the maid discovered the kitchen like a battlefield, complete with faeces and eaten dry food. Yuk. Thankfully there were no guests around! It can happen pretty much anywhere. If you look closely, you’ll probably see rats between the rails of the underground in New York or Paris. At a nearby bakery in Paris (Paul, rue du Commerce) once I was passing by around 10pm and saw a few mice enjoying the bread crumbs in the shop’s window! My friend…
  • How often do you have a no spend day?

    Pauline
    15 Sep 2014 | 11:05 pm
    Credit I was answering questions to an interview recently (not published yet!) and one of the questions was “what was the last thing you bought?”. Pretty straightforward, but mind you, I had to think long and hard. I hadn’t spent money in the past week or so, and the last time was for food and gas, nothing exciting. The previous non essential purchase was a manicure and hairdo for a wedding, and new tires for my car. When I am home, I don’t spend money because there are no shops around. Just a basic convenience store that doesn’t stock the products I use, and if they do, they have a…
  • Have you thought about Christmas?

    Pauline
    9 Sep 2014 | 11:05 pm
    Credit Seriously, this world is getting crazy. I was in the supermarket on August 20th and Christmas decorations were being sold. No, not last year’s decorations going on sales, this 4-months-from-now Christmas. Way to prepare for an event! While I think that is insane, in order not to have to put the cost of Christmas on your credit card, and pay it over so many months the following year’s decorations will be in place, you should give Christmas a thought starting right now.   Estimate your Christmas budget In order to save for Christmas, you need to know how much you spend on…
  • 6 Ways You Can Make Money Fast When You’re In A Pinch

    Pauline
    6 Sep 2014 | 11:05 pm
    Credit Please enjoy this guest post and giveaway by Brent from VOSA. Brent’s a world record holder, inventor, engineer, entrepreneur, world traveler & eternal optimist. You can read more of his writing about personal finance, entrepreneurship and travel at VOSA.com. There it is again. The pit that start to form in your stomach, the lump in the back of your throat and the general jitteriness that you feel as the anxiety sets in. The physical sensations are real and they are exhausting. You want them to stop. You want them to go away but you know that as long as you keep living paycheck…
  • Feeding a Great Dane with home cooked meals

    Pauline
    4 Sep 2014 | 11:19 pm
    As you may know, little Great Dane Napoleon came to live with us three month ago now, and in that short time, he has more than doubled in size. Look at the picture: my arm used to cover his length from nose to tail, now I don’t even reach from nose to forearm. Meaning he eats like half a horse and will eat like a horse once he reaches adult size. So far, I mostly fed him Dog Chow and Pedigree, which at $45 for a 50lb bag is pretty expensive. And he doesn’t love it. When we have meat, or when BF has cookies with coffee, he often comes and beg, filling up with human food. So sometimes the…
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    I Need Money

  • 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…
  • Can Insurance Help Your Business Grow?

    admin
    29 Jul 2014 | 3:18 pm
    While the global economy may be growing at a considerable rate, this level of expansion cannot be guaranteed indefinitely. This means that businesses must take greater care to protect their financial investments and assets, so that their growth can be consolidated and secured while the economy remains prosperous. From repairing vehicles to fixing shop windows, insurance is what we turn to when things go wrong. But for many businesses, it can also be one of the building blocks of future company growth and financial success. Investing in good cover isn’t just about preparing for the worst,…
  • Will Having Multiple Insurers Help Your Business Save Money?

    admin
    22 Jul 2014 | 6:31 pm
    Cost efficiency is the cornerstone of most good business models. Unless a company is capable of managing its finances, making a profit becomes essentially meaningless. Many start-ups have failed, simply because they didn’t have a good handle on their cash flow or were unable to translate a huge turnover into an actionable profit. When it comes to making essential business purchases, it’s therefore important that you get the best deal. And when talking about essential purchases, there are few more important than good quality insurance. Insurance can often be expensive, but the peace of…
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    Zoho Blogs

  • Customer service centered around customers, not software. Now that’s zen.

    Austin Talbert
    19 Sep 2014 | 11:05 am
    We all know thatguy. When he first burst on your social circle’s scene, he was a refreshing change of pace. He was cool. He shared great stories. He whisked you to awesome, hidden spots for the best tacos. It felt like he unlocked an unmatched freedom to do, to be, to explore. But it didn’t stop there. He kept pushing, insisting on himself, inserting himself into the center…of everything. He inflated his own ego to a point where he artificially increased his own gravity. Then he starts hijacking every conversation, ensuring everyone within earshot knows he has actually been to…
  • Introducing Template Support for Formatted Resumes

    Gayatri
    19 Sep 2014 | 6:04 am
    Innovation doesn’t end with a product roll out. At Zoho, we believe it to be a continual strive to keep our customers happy by pushing boundaries to improve ourselves. Formatted/Branded resume was one of our success stories in the recent past. It enabled staffing agencies to brand resumes and remove candidate contact information before forwarding it to clients. Now, after evaluating the feedback from our customers, we have decided to add a new feature to Formatted/Branded resume - Formatted/Branded resume template. While in the previous version, customers had the option to…
  • Customer Spotlight: A Little Piece Of Marketing goes a long way!

    Harish
    19 Sep 2014 | 4:09 am
    Most small businesses today do not have the huge budget for promoting their businesses. They cannot afford a dedicated team for marketing or branding when they have to be focused on supporting their current business. That’s when a firm like Alpom Designs comes to the rescue. Marjorie Yarrow is the CEO and founder of Alpom Designs, a marketing and graphics designs firm dedicated to helping small businesses get noticed. Alpom Designs helps small businesses with their branding, marketing, graphics design and web development. Throughout her professional career, Marjorie has always preferred…
  • 5 New Features in Zoho Sites You Can’t Miss

    Rahul Kumar
    17 Sep 2014 | 6:05 am
    Well, these are in continuation with the new features that we have been adding in Zoho Sites for past few months. We’ve made those little touches, reworked on the existing and added new features to make your website building experience a breeze. The pursuit continues with these major features that we have introduced in Zoho Sites this time. Online Store with Commerce Online retail has grown massive in recent times. People have started buying online more than ever. Your website must have this capability if you are in the business of selling. With Commerce, Zoho Sites helps you create…
  • Your on-the-go Zoho apps are now FREE!

    Radhika Bhangolai
    17 Sep 2014 | 5:06 am
    No matter what kind of business you run, most of the work is done from your mobile devices. Accessing customer information, creating follow-up tasks, accessing custom apps and submitting reports, all while on the go, has become critical to stay connected with your business. No, we’re not exaggerating. Recently, we hit 1,000,000 downloads for our Zoho apps (iOS and Android), and we’re glad to see that the number is rapidly increasing. With so many people embracing mobile apps for their businesses, we’ve decided to make the Zoho CRM and Zoho Creator mobile apps free for all…
 
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    Cult Of Money

  • The Single Parents’ Financial Blue Print: 5 Rules to Follow

    Alexa Mason
    17 Sep 2014 | 1:15 am
    In the summer of 2012 I officially became a single parent. To say I didn’t fully realize what I was up against is a bit of an understatement. I had two grand in savings, two day jobs, two very young children, and one spare bedroom that we all shared at my Dads. I was a total mess. I felt so overwhelmed that I didn’t know where to start. One thing was for sure; there was no way that I could keep on living out of a bedroom with my two kids. I needed to find a place to live. But more importantly I needed to find a place I could afford. Since the whole point of getting divorced was to give my…
  • 8 Things I Regularly Buy at the Dollar Tree

    Alexa Mason
    10 Sep 2014 | 1:15 am
    About a year ago a Dollar Tree was built in my town. I’ve always had the misconception that the Dollar Tree was just filled with junk. Then I shopped there. I was completely blown away by some of the items I’ve found. In fact, I think it’s one of the most underrated stores around. If you’ve avoided the Dollar Tree because you assumed it was filled with trash I assure you it’s not. Here are eight things I purchase regularly at the Dollar Store. (And yes, everything is only one dollar!) Kid’s Cold Medicine For the past five years I’ve been paying anywhere from $5-$10 for kid’s…
  • 3 Reasons You Should Stop Putting Off Life Insurance

    Robert Farrington
    9 Sep 2014 | 1:15 am
    Life insurance is an important piece of financial planning that often goes over looked. For whatever reason you intend to get life insurance, knowing you should have it, but it gets pushed to the backburner. Then someone you know passes away leaving his family with a large financial burden to be dealt with on top of the already painful grieving process. While life insurance doesn’t make the loss of a loved one any easier it would’ve alleviated the financial stress of an already tough time. Nobody likes to face the thought of death. But death is inevitable, it’s a part of life. And…
  • 7 Tried and True Ways to Save on Groceries (No Coupons Required)

    Alexa Mason
    3 Sep 2014 | 1:15 am
    For many looking to save money grocery budgets are a great place to start. This is because it takes minimal effort to save on food. You don’t have to call anyone and hassle for better rates, you simply shop smarter. If you’re in the process of revamping your grocery budget here are seven tried and true ways you can easily save on groceries. Buy Store Brands If you’re like me and have no interest in clipping coupons buying off brand items can be your solution. For instance, I’m a Kroger shopper. Almost all of my canned goods, staples such as sugar and flour, and condiments are the…
  • 4 Ways to Save Money While Wedding Planning

    Robert Farrington
    28 Aug 2014 | 1:15 am
    Planning a wedding can be a stressful, time-consuming, and expensive process. With so many small and large details to consider, it is really easy to become a frazzled bridezilla. And if you are struggling to keep to your budget, it can be even harder to keep a level head and actually enjoy the planning process. Continue reading for a few helpful tips that will show you how you can plan a wedding on a budget and still get everything you always dreamed of for your big day. Purchase a Used Gown Yes, you read that right. There are actually many shops and online stores, as well as former brides,…
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    PFhub - Business, Financial & Economic News

  • Lacker Opposes Fed Plan to Hold Mortgage-backed Securities

    Andrew Moran
    19 Sep 2014 | 12:32 pm
    The Federal Reserve’s Federal Open Market Committee (FOMC) voted in favor Wednesday to reduce its monthly bond-buying program by another $10 billion, keep its interest rates to near zero and continue to reinvest the returns from maturing bonds as the balance sheet reaches to an enormous sum of $4.5 trillion. Moving forward, the Fed will […]The post Lacker Opposes Fed Plan to Hold Mortgage-backed Securities appeared first on PFhub - Business, Financial & Economic News.
  • Google Inc. Issues New App Developer Policy

    Kaitlin Longmire
    19 Sep 2014 | 12:21 pm
    Google because of the recent controversies and developments is making sure that no stone is unturned to protect its credibility. For that matter, Google has sent an email to all the app developers that they will have to give a genuine postal address (which can be reached whenever needed) if they want to stay in […]The post Google Inc. Issues New App Developer Policy appeared first on PFhub - Business, Financial & Economic News.
  • American Flags Snatched From Student Vehicles

    Angela Kaye Mason
    19 Sep 2014 | 12:15 pm
    Flags Confiscated by Principle On September 11, 2014, a group of Spartanburg, South Carolina High School students decided to honor those lost on September 11, 2001 by driving to school with American flags waving from their pickup trucks. Tragically, as WSPA-TV reports, “Principal Aaron Fulmer removed the flags from vehicles parked at Woodruff High School […]The post American Flags Snatched From Student Vehicles appeared first on PFhub - Business, Financial & Economic News.
  • Long Lines for Apple Inc. iPhone 6 Worth the Wait?

    Kaitlin Longmire
    19 Sep 2014 | 12:05 pm
    All rise! Apple Inc.’s (NASDAQ:AAPL) iPhone 6 is available for sales! September 19th, the day Apple fans finally get to buy their iPhone 6 or 6 Plus. Apple has finally given its latest iPhone to its customers; both versions of the smartphone – iPhone 6 and iPhone 6 plus – made their debut today in […]The post Long Lines for Apple Inc. iPhone 6 Worth the Wait? appeared first on PFhub - Business, Financial & Economic News.
  • U.S. Household Net Worth on the Rise

    Andrew Moran
    19 Sep 2014 | 11:57 am
    The Federal Reserve released a new report this week that found the net worth of American households is now 20 percent higher than it was prior to the financial collapse in 2007. At the second of the quarter this year, households put together were worth $81.5 trillion, up 10 percent from roughly a year ago. […]The post U.S. Household Net Worth on the Rise appeared first on PFhub - Business, Financial & Economic News.
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    Wealthy Turtle

  • Book Review – Essentialism – The Disciplined Pursuit of Less

    Mike Collins
    14 Sep 2014 | 11:31 am
    Life is so complicated these days and it seems like we’re constantly being pulled in a dozen different directions. Your boss wants you to stay late to finish a big project.  He also wants to give you some new responsibilities (though he doesn’t want to take any of your current duties away).  Meanwhile, you’re anxious to get home so you can make it to your daughter’s soccer practice before running over to back to school night. You’ve promised your wife a date night this weekend, but your buddies invited you to the big game and your brother is asking you to help him move. You were…
  • Do You Work On Vacation?

    Mike Collins
    12 Sep 2014 | 4:18 am
    In today’s world it is becoming harder and harder to separate our work life from our home life. Being able to work from home or check emails on your smart phone sounds like a great idea at first.  After all, working from home allows you to eliminate your commute which should both save you money and allow you to spend more time with your family. The downside is that the line between work and home blurs and your day job can start interfering with your home life.  Growing up, my dad never had a job where he worked from home or even gave any thought to the office during his free time.  He…
  • The Importance of Life Insurance

    Mike Collins
    9 Sep 2014 | 2:41 am
    The other night my sister and her family came for dinner and while we enjoyed some grilled chicken and red wine, we also had an interesting discussion about the importance of life insurance. My sister is almost twenty years older than I am and her kids are all in their early twenties, while mine are all between the ages of ten and four.  Obviously we don’t have the same exact needs when it comes to life insurance. My sister and her husband are starting to scale back their life insurance coverage now that their kids are young adults and starting to support themselves financially. On the…
  • Celebrity Body Parts Are Expensive to Insure

    Mike Collins
    8 Sep 2014 | 3:41 am
    The New York Post had a neat slideshow detailing some of the most expensive insurance policies taken out on celebrity body parts. Some of the insurance policies are only rumored so I can’t confirm whether or not they actually exist, but several other websites mention similar policies for the same celebrities so I’m inclined to believe they are legitimate. Christiano Ronaldo’s legs are insured for an impressive $144 million.  That may seem like a lot but for a guy whose entire career revolves around his ability to run on the soccer field, it’s a worthwhile insurance…
  • Friday Fun – Top Reads and Mahna Mahna

    Mike Collins
    5 Sep 2014 | 2:55 am
    I’m still trying to get myself back into “work” mode after a week long vacation in the Outer Banks.  Even though I’m feeling really motivated to get back to work and take Wealthy Turtle to the next level, I was getting used to relaxing on the beach and enjoying a cold drink in the hot tub. One ting I have been doing a lot of is reading…being unplugged for a week meant I missed a lot of great articles so I’ve been spending some extra time catching up on all my favorite blogs to see what I missed. Here are a few of my favorites: 5 Tips for Teaching Your…
 
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    Bank On Yourself

  • 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…
  • The Secret Connection Between Health and Wealth

    Pamela Yellen
    2 Sep 2014 | 1:45 pm
    Is there a connection between your physical health and your financial wealth? Absolutely! And it’s more important than you may realize… When you’re not in good health, you’re not as effective on the job, in your investing strategies or at home. Often, the price we pay for inattention to the care and feeding of our bodies doesn’t become evident for years or even decades. However, when the tab finally does come due, it is often shockingly high and can instantly erase a life’s worth of careful financial planning. Diabetes… a heart attack… cancer…
  • Are we living in the United States of Amnesia?

    Pamela Yellen
    27 Aug 2014 | 10:06 am
    It was announced that more than $1 trillion has been added to the value of American equities since the stock market hit a two-month low on August 7th. Americans’ wealth has reached a record high, thanks to a surge in the value of stocks and homes. I’m sorry to be the bearer of bad news, but here’s a news flash: You haven’t made a penny in the stock OR real estate market! We’ve been here before… Just like those glowing reports about how much Americans’ wealth had ballooned prior to the last financial crash, the new reports are pure fiction. Until you…
  • A Special Message for Women Who Want to Be Financially Independent

    Pamela Yellen
    22 Aug 2014 | 9:30 am
    Free Bonus Report when you subscribe to the Women’s Financial Edge I was really excited when one of the largest consumer newsletter publishers in the world, Agora Publishing, asked me to be the Editor-In-Chief of The Women’s Financial Alliance, a new publishing franchise dedicated to helping women grow their wealth safely and enjoy a richer lifestyle. We launched a free e-letter – The Women’s Financial Edge – at the beginning of May, and it’s being extremely well received. We’ve already been featured in USA Today, CNBC, Huffington Post, The Detroit Free Press…
  • 30 Reasons Not To Worry About A Market Crash

    Pamela Yellen
    21 Aug 2014 | 9:06 am
    My favorite financial journalist is Brett Arends, a regular contributor to The Wall Street Journal and MarketWatch. He’s one of the very few who doesn’t have his head up his you-know-what. Anyhow, Brett just published a tongue-in-cheek article about all the reasons the stock market is just going to keep going up and up. And I strongly encourage you to read it here. Some of my favorites of Arend’s 30 reasons not to worry include… Yes, stocks look expensive compared with annual sales, net asset values, gross domestic product, the replacement cost of company assets, and…
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    DINKS Finance

  • Weekly roundup: FinCon, Retirement and AirBnB

    Kristina
    19 Sep 2014 | 2:00 am
    Good morning Dinks and happy Friday.  As you read this I am at FinCon in New Orleans – probably hanging out on the ghost tour or the swamp tour.  New Orleans has been on my bucket list for a long time so I am excited to be in The Big Easy right now. If you’re reading this and you are also in New Orleans come by and say HI anytime. Until we meet up, enjoy these posts from our personal finance friends: PT Money – 10 Tips to Become an Expert Credit Card Travel Hacker without Getting Into Trouble The Jenny Pincher – Don’t Sweat the Small Stuff Money Crashers…
  • Ask a CFP: Where is your money?

    Kristina
    18 Sep 2014 | 2:00 am
    Good morning Dinks.  As a financial planner one of the first questions clients ask me when we start talking about their investments is “Where do you have your money?”  Of course I don’t like to talk about my own money and actually I am not allowed to.  However when you want to gain someone’s trust and invest their money you answer any and all questions they ask. How do you invest your money? How do you answer someone’s question without really answering it?  It’s easy, you don’t talk numbers.  Whenever clients ask me “Would you buy that…
  • Preparing for a job loss

    Kristina
    17 Sep 2014 | 2:00 am
    Last week my company announced they are being sold to a competing investment firm.  My initial thought was panic but honestly I didn’t have much time to think about it until a few days later.  As you know I work as the corporate community manager so needless to say I had an incredibly busy week.  The media and investment industry were buzzing with the news release so we had to be on high alert.  It’s been five days since our CEO made the announcement  and after the initial shock aka panic wore off I had some time over the weekend to actually sit back and think about  my…
  • How to get ahead at work

    Kristina
    15 Sep 2014 | 2:00 am
    Good morning Dinks.  This week I was assigned to a new project at work.  I will be working with a team I’ve never worked with before and so far let me tell you that I’m not impressed.  As a community manager I get pulled in to a lot of different projects when people want a social media aspect, but at the same time I’m used to working alone. My job is to go in listen to the project manager and come up with some creative ways to integrate social media into a campaign or product launch.  To be honest it’s a really cool job (and if the higher powers are listening I…
  • James Altuchier’s Ideas Out of Balance

    James
    14 Sep 2014 | 10:45 am
    Hi All, I got turned onto James Altuchier on LinkedIn a while back. If you haven’t heard of Altucher, he’s well worth checking out. He’s a crazy hedge fund manager from New York. The guy has published something like 11 books, runs ones of Apple’s most popular podcasts and has made something like a billion dollars over the course of his career. He’s also funny, insightful and irreverent yet eminently sensible. If you get a chance, feel free to check out his blog, The Altuchier Confidential: Ideas For A Life Out of Balance. The post James Altuchier’s Ideas…
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    rVoice | rplan

  • Corporate actions affecting the Dashboard

    16 Sep 2014 | 10:30 am
    In the past few weeks, a number of funds have had corporate actions taken against them. Due to the way that Cofunds has processed a number of these, Morningstar haven't been able to provide historical pricing data for many of those funds; as a result, several of our users are seeing the simpler Valuation view rather than the Dashboard (which incorporates the gains and performance calculations, and which in turn make use of the historical pricing data.) A corporate action is a generally a change in the legal structure of the fund, such as a change from an Unit Trust (UT) to an
  • Fund Announcement: AXA Framlington Fund Changes

    10 Sep 2014 | 9:07 am
    AXA Framlington have recently taken a corporate action on a number of their funds, changing the structure from Unit Trust to OEIC (Open Ended Investment Companies). If you have holdings in one of these Axa Framlington funds, you will notice that the name of the fund has changed slightly and is now prefixed with an 'X' (e.g. X AXA Framlington Japan Z Fund Acc). This is because a new fund has been created as a result of the corporate action (an OEIC fund rather than a Unit Trust fund), and all holdings in the Unit Trust have been moved to the new OEIC. The investments in the funds
  • Fund Announcement: Vanguard Lower Fees

    10 Sep 2014 | 9:05 am
    Vanguard have recently announced that they are reducing the ongoing charges on 25 of their tracker funds and exchange traded funds (ETFs). This change came into effect on September 1st 2014. The fund factsheets on rplan don't currently reflect the lower charges; this is because Morningstar only update the charges data for funds once a year, when they receive the annual report from the fund manager. Because we receive our fund data from Morningstar, the ongoing charge displayed on the factsheet may not be updated for several months (up until the point that Vanguard release the
  • ISAs Get NISA

    29 Jun 2014 | 11:50 am
    On July 1st 2014, ISAs become NISAs (New ISAs) in the most significant change to ISA rules since 1999. Here's a summary of the changes you need to know. Allowance increase: the allowance increases from £11,880 to £15,000 Allowance flexibility: you can split the allowance between Cash and Stocks & Shares ISAs as you see fit - previously, you could only invest up to half the allowance in cash Transfer options: you can now move from a Stocks & Shares ISA to a Cash ISA and back - previously, you could only move from a Cash ISA to a Stocks & Shares ISA, but not back Cash
  • How The Successful Got Started: Part 2

    29 Jun 2014 | 10:35 am
    If you missed the first installment, see How the Successful Got Started: Part 1 For the second part of this series , I am looking at how education and progression have a huge impact two incredibly successful women get started. If you haven’t heard of Meg Whitman or Marissa Mayer, then this should be an eye-opener for aspiring women everywhere. Take a look at how they started out and where they are now. Marissa Mayer - Google's first female engineer Born in Wisconsin U.S.A on the 30th May 1975 (age 38) Mayer graduated with honors from Stanford University with a Bachelors of
 
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    From the Desk of Robert Jacobs

  • The War on Poverty: 4 Things I Know About the Poor

    Robert
    15 Sep 2014 | 4:00 am
     This post was originally published on November 12, 2012. Recently, I completed a book titled, When Helping Hurts: How to Alleviate Poverty Without Hurting the Poor and Yourself. This book provided tremendous insight into why people are in the cycle of poverty. In addition, it demonstrates how the government has hurt the poor by throwing money (taxes) at the problem . The war on poverty has gone on since the beginning of time. In Matthew 26:11, Jesus said, “You will always have the poor among you, but you will not always have me.” Based on my experience with helping poor…
  • Millionaire vs Million a Year

    Robert
    8 Sep 2014 | 4:02 am
     Would you rather be a millionaire or make a million a year? Is there a difference? I would prefer to be a millionaire and yes, there is a big difference. A millionaire is someone who has a net worth of a million dollars. In other words, their assets minus their liabilities equals a million dollars or more. If your gross income from a salary or various forms of investment income is a million or more, then you are in the “million a year” category. It is very conceivable that a person making a million dollars a year could spend everything they make and then some. Look at…
  • 5 Signs that indicate you are not in charge of your money

    Robert
    2 Sep 2014 | 11:01 am
     Who is in charge of your money? Do you think you have a good grasp on your finances? It may not be surprising that most Americans do not. There are many things that indicate  you are not in charge of your money, but if I listed them all, this blog post would become a book. Needless to say, the lack of money management has placed many Americans in the “broke” category. An according to Dave Ramsey, broke is normal, and who wants to be normal? Here is a reflection point. Do these signs show up in your personal finances? If at least one of them do, it may indicate that you…
  • Why 5 out 4 Americans can’t do math in personal finance

    Robert
    25 Aug 2014 | 3:51 am
     Repossessed automobiles, foreclosed homes, and bankruptcies are extreme examples of why 5 out of 4 Americans can’t do math in personal finance. Of course the statement “5 out of 4″ doesn’t make sense, but the intent is to drive home an important point. Most Americans are broke, and the reason they are broke is because they do stupid things with money. If most Americans did math when it came to personal finance, then they would not be broke. I define broke as living pay check to pay check, having a significant amount of consumer debt, and very little to no…
  • Why I Got Out of Consumer Debt

    Robert
    18 Aug 2014 | 3:34 am
     When I initially got on the financial plan that led us out of consumer debt, my first intention wasn’t really to become debt free, it was to get a better handle on money. Back in 2008, my wife and I were getting sick and tired of having a joint six-figure income, yet a checkbook balance $50. How could this be? Where is our money going? I am a simple man, I needed a blueprint that works, and I don’t have the patience for too much detail. That is when I found what I was looking for. Dave Ramsey’s “Financial Peace University” and his book, “The Total…
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    Modest Money

  • The Choice Privileges® Visa® Card Review

    Adam
    19 Sep 2014 | 6:15 am
    If you are a veteran of the credit card game, you may be familiar with a Choice Privileges Visa offered by Bank of America until 2009. Since it resurfaced, this time helmed by BarclayCard, the Choice Privileges® Visa® Card has performed better than its somewhat lackluster predecessor. We’ll take you through all the ins and outs of this Choice Privileges® credit card below. It’s a pretty simple card, but the benefits are concrete and the available accommodation locations are many. Apply for the Choice Privileges® Visa® CardStart earning awesome hotel rewards now! The Choice…
  • 12 Unusual Money Saving Tips

    Adam
    18 Sep 2014 | 6:15 am
    Saving money can sometimes feel so difficult. It seems that everywhere you shop, and every one you do business with is trying to squeeze every last dollar out of you. The small and sometimes not so small amounts you give them add up. At the end of the day many are left struggling to make ends meet. Sound familiar? It is to me. So I have put together some interesting and unique ways to cut your costs. Some of them are a little outlandish, but all will save you money. Without further ado, the list.  1 – Potty Train your cat I figured I start with the most outlandish to get your…
  • Importance of Planning for the Unexpected

    Jeremy Biberdorf
    17 Sep 2014 | 6:15 am
    It would be nice if life went exactly as we planned it. Everything would go smoothly and we’d reach our goals without any hiccups. Really though, that just doesn’t happen. Regardless of how hard we work towards our goals, something is bound to come up. It could be a challenge like increased expenses or reduced income. On the other hand it could be a financial windfall or surprised promotion at work. Even the expected can be drastically different than what we envision. With proper planning we can easily adapt our approach on the fly or we might have a contingency plan already in…
  • How to Have a Home You Can Be Proud Of

    Adam
    16 Sep 2014 | 6:15 am
    A home is the most expensive and important purchase you are ever likely to make, so it’s only natural that you should want to make it the home of your dreams. Whether buying or building a home, there are certain things you can do to ensure that your house becomes the affordable home you always wanted. When planning your future dwelling, it’s also important to not only think about your life now, but about your family and any additions that you may have planned in the future. There are more things to think about than just the house and land and that’s before you even start looking. There…
  • Call Center Services for Better Business

    Adam
    15 Sep 2014 | 6:15 am
    Who is the best person to handle incoming calls to your business from customers? “Me!” says the future entrepreneur. “Anyone but me!” says the current business owner. In the first months of a business, a new owner frequently opts to field calls, answer questions, and fill orders. It feels good to say, “Yes, i am the owner”. Additionally, you can be sure that the information you are giving is accurate. “It’s a strong face to the community” you say. Then things get way too busy. You’re stressed, pulled in all kinds of directions managing the various aspects of your business.
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    Save Invest Give

  • 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…
  • Coming of Age

    S. B.
    7 Jun 2014 | 9:37 pm
    The most serious mistakes are not made as a result of wrong answers.  The truly dangerous thing is asking the wrong questions. Peter Drucker At the risk of creating a sort of abridged bildungsroman, I intend to walk through a series of questions I began to ask myself a few years ago, and my gradual progression to conclusions.  For those accustomed to my usual structured style, this personal narrative is likely to be jarring.  If that sort of article doesn't interest you, feel free to jump to the next blog in your reading list.QuestionsSo having decided that a true early…
  • My Yearly Dividends Now Exceed $35,000

    S. B.
    18 May 2014 | 9:04 pm
    In Sight Of Our Goal: South Georgia IslandThis week was an important milestone for me.  For the first time, my yearly dividends now exceed $35,000.  This event comes ahead of schedule for my year-end targets of $35K for 2014 and $40K for 2015.  The odds are beginning to look very good that my mortgage will be fully paid off and my $40K/year income floor will be reached by the end of 2015.  The goal is within sight.2016 is quietly shaping up to be my annus mirabilis.
  • Blog Maintenance

    S. B.
    17 May 2014 | 9:18 pm
    There are two minor blog maintenance items I wish to bring to your attention.First, I have decided to move the list of "Blogs I Read" from my right sidebar to a static Blogroll page that can be accessed from the top of any page.  The Blogger blog widget list is, more or less, a primitive feed reader, and so I make this change in order to remove the temptation for me to monitor and read blog updates several times a day.  Second, I have decided to turn off commenting for the next few months.  I am sorry if (in theory) this decision makes this blog less interactive.  In…
  • Consilience Revisited

    S. B.
    6 May 2014 | 8:46 pm
    A few months ago, I wrote a short post on consilience.  That article explained the concept of consilience, but did not provide any personal examples.  Today, I am going to give a recent example of the use of consilience in my personal finances.One of the more difficult numbers to determine is how much you really want to spend to be happy.  I give little credence to national averages or to extreme frugality wonks who are always preaching that anyone can live on some small amount of money.  Look, I'm sure most of us could survive on almost nothing by leading a subsistence…
 
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    Take A Smart Step

  • If I Make Money in the Stock Market Will Others Lose

    Andrea
    16 Sep 2014 | 2:00 am
    Click Picture to Watch YouTube Video Money fears and limiting beliefs can catch us at every single corner and just when you think you’ve worked through most of them, another one will pop up. One common one that I hear a lot is people are worried that when they start investing in the stock market and make money that someone else is losing money. Well, I’m here to tell you that this is not true. When we’re taking specifically about investing in stocks of specific companies, there is not always a winner and a loser. Here are three reasons that you are not hurting someone’s bottom…
  • Four Investments New Investers Should Not Invest In

    Andrea
    9 Sep 2014 | 2:00 am
    I believe that everyone can learn to invest. Yes everyone! However, there are some things that when you are first learning to invest you should avoid. Jumping into these investments before you get understand the fundamentals of investing will cause you to loose money! (Watch the video instead: What Not to Invest In for Beginners) Penny Stocks Penny Stocks are low value stocks that are thinly traded.   They’re traded on what’s commonly called the pink sheets, otherwise known as off the market.   They’re not actually on an exchange such as the New York Stock Exchange because the…
  • Why Life Planning is Not Woo-Woo

    Andrea
    2 Sep 2014 | 9:26 am
      Many of my clients don’t think that the life planning portion of financial coaching is necessary. Instead they want to rush in and figure out how to make progress with their money. Yet they do the life planning, because it is part of the deal. Not because they want to but because I won’t go further with the money plans without the life plan. Know what happens after the life plan? They cannot believe how much they learned by doing the life plan.  They learn about themselves, what they want, about their spouses and so much more! I wanted to share with you the benefits of…
  • How to Fund a Small Business

    Andrea
    26 Aug 2014 | 2:00 am
    Watch the YouTube video: How to Fund a Small Business Ready to start a new business? Looking for money to grow your existing business? You can find the money to accomplish both without taking out loans.  Here are some things you can do to find the money to grow you business. Lower Personal Expenses & Save The lower your expenses are the less you need to make to cover your expenses!  Then all the extra money can go to growing your business!  If you have not started a business yet, you can use those funds to grow a savings account that you can live on when you do start your business.
  • How Doing Yoga Can Save You Money

    Andrea
    5 Aug 2014 | 2:00 am
    I love yoga. Especially because it calms my mind and helps me improve my balance. Both of which I find highly important to be able to successfully age while being independent. Imagine my surprise and excitement, when I learned that yoga could also help me make better purchasing decisions.  (Journal of Marketing Research) Yes you read that right – yoga can help you make better purchasing decisions. I get into some of the how here in this video and give you some ideas on how to apply some of these ideas without doing yoga right before you go to the store! How are you going to apply these…
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    NerdWallet News

  • How to Get Your iPhone 6: Short-Term Savings for a Luxury Item

    Lacie Glover
    19 Sep 2014 | 10:26 am
    Apple’s done it again. This week’s launch of the tech giant’s newest gadgets – the iPhone 6, iPhone 6 Plus and Apple Watch — will likely be its biggest ever. Early reviews of the 6th generation models are positive, living up to the sleek and promising announcement by CEO Tim Cook. And if you’re anything like me, you need one. OK, so you don’t need one. Nobody needs an iPhone 6, really. In fact, the 5th generation models are still available and much more affordable now, but you know what I mean. You want it. You crave it. You feel as though its presence in your life would…
  • 20 Money Lessons to Celebrate ‘Friends’ 20th Anniversary

    Teddy Nykiel
    18 Sep 2014 | 2:44 pm
    For all you “Friends” fanatics out there, you probably love the sitcom for its quirky characters and timeless gags. We appreciate those, too, but here at NerdWallet, we’re all about finances. In honor of the show’s 20th anniversary on Sept. 22, we’ve pulled together the top 20 money lessons from our favorite gang of six. 1. Never buy anything full price.               Before making large purchases like mattresses, furniture and electronics, mine the Internet for sales and coupons and take advantage of deals and discounts using resources…
  • Alibaba: If You Invest After the IPO, What Are You Funding?

    Kevin Voigt
    17 Sep 2014 | 2:30 pm
    Until recently, the Alibaba Group was probably the biggest company you’d never heard of. Bountiful media coverage of the firm’s potentially record-setting initial public offering this week changed that. And China’s Internet behemoth has been bankrolling some businesses you may know well. When you get a lift from car-sharing operator Lyft, Alibaba is along for the ride—the company backed a $250 million investment earlier this year. Use messaging app Tango? Alibaba led a $280 million investment earlier this year. Bought products on ShopRunner? Alibaba was part of a $206 million cash…
  • iOS 8, Apple HomeKit Launch Spur New Hardware Development

    John Stephens
    17 Sep 2014 | 6:19 am
    Wednesday’s release of Apple’s iOS 8 mobile operating system and the new HomeKit programming protocol marked the beginning of a new era in which Apple devices—typically confined to their own ecosystem—will begin connecting with third-party devices more than ever. For many, the purchase of an iPhone 6 or an upgrade to iOS 8 could spur shopping for compatible devices which help take full advantage of iOS 8 and HomeKit’s new features. “HomeKit connects your home devices safely and seamlessly so you can better manage accessories like lights, thermostats, door locks and garage…
  • Who Pays? NerdWallet Study Finds Gender Roles Remain Strong Among Couples

    Kevin Voigt
    17 Sep 2014 | 6:00 am
    Despite women’s rising financial strength, a NerdWallet study finds, men are still expected to pay for everything from first dates to monthly bills. The NerdWallet study asked more than 1,000 people across the United States who have been living with their partners for at least six months a range of questions regarding attitudes and responsibilities about cash. See our infographic with key findings here. Key Findings Despite changing times, old dating customs die hard: 77.4% of people in a relationship believe men should pay the bill on a first date. This sentiment is true for both genders,…
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    The Truth About Credit Cards.com

  • If You Want to Travel the World for Free, Buy Printer Ink and Roses

    Colin Robertson
    16 Sep 2014 | 4:04 pm
    The title of this post might sound a little silly, but it’s completely literal. You can honestly travel the world for free simply by purchasing printer ink and roses. How? Well, simply by making those purchases via online shopping portals. The two examples in the title aren’t just hypothetical; I actually took advantage of both [&hellip
  • AAA Member Rewards Visa Offers 3% Cash Back on Travel

    Colin Robertson
    16 Sep 2014 | 1:53 pm
    Looking to maximize your cash back on travel purchases? Well, you might want to take a gander at the Bank of America issued AAA Member Rewards Visa, which offers 3% cash back on travel purchases. So if you spend $1,000 on some airline tickets, you’ll receive 3,000 points. That’s good for $30. Their definition of [&hellip
  • Your Wedding Could Be a Credit Card Point Earning Bonanza!

    Colin Robertson
    16 Sep 2014 | 10:11 am
    Still dragging your feet? Afraid to take the plunge? I get it; it’s a big commitment, and super expensive. But just think of all the credit card points and miles you can earn! Seriously. Once your wedding plans get set in motion, you’ll likely be handing over your credit card to vendor after vendor. Instead [&hellip
  • Apple Pay Offers Easy and Secure Mobile AND Online Payments

    Colin Robertson
    9 Sep 2014 | 11:31 am
    Apple’s long awaited iPhone 6 release is finally underway and it features a new mobile payment service called “Apple Pay.” In a nutshell, iPhone 6 users will be able to pay for things with their mobile device without the need for a special case thanks to the new built-in NFC antenna. How Apple Pay Works [&hellip
  • Isis Wallet Becomes Softcard Thanks to Terrorist Group

    Colin Robertson
    4 Sep 2014 | 9:08 am
    So I got an e-mail yesterday notifying me that the Isis Wallet is changing its name to “Softcard.” Isis Wallet CEO Michael Abbott noted that the company had been exploring a name change since July thanks to the violent militant group known as ISIS, which stands for Islamic State of Iraq and Syria. The move [&hellip
 
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    Moneycation

  • Britain's big six energy suppliers continuing to lose market share

    A.W. Berry
    19 Sep 2014 | 4:38 am
    By Debbie Faulkner New figures show that Britain’s ‘big six’ energy companies – British Gas, EDF, E.ON, npower, Scottish Power and SSE – are continuing to lose their market share. The large suppliers now have a 92.4% share of the market – a decrease from 99.8% five years ago.The latest figures, from independent research group Cornwall Energy, show that 3.8m customers have accounts with small, independent suppliers. These energy companies have increased their share from 0.2% to 7.6% at the same time as the big six have taken a tumble.Independent energy suppliers are differentiating…
  • Financial news: September 19, 2014

    A.W. Berry
    19 Sep 2014 | 3:00 am
    • Reuters: Dollar value ↑ sharply on future FED policy & low ECB loan demand• Bloomberg: Slow settlement periods are a potential hazard for loan investors• NYT: Hospital mergers raise price control & decreases price competition per FTC• MW: Fed Chairwoman states poorer Americans are still in recession• AP: Walmart to hire up to 60,000 seasonal workers • NAHB: August home starts down 2.4%• CNBC: Fully self-driving technology to be available in 6 years per Tesla CEO• Phil. Fed: Mid-Atlantic manufacturing slowed in Sept. per index of 22.5• CNN: Home ownership rates…
  • Employee fraud can cause major problems

    A.W. Berry
    18 Sep 2014 | 6:00 am
    By Andrew Reilly While some people commit theft and fraud after a lot of planning and consideration, it is fair to say that many people commit these crimes because the opportunity arose. A person may not have considered themselves to be a criminal or someone who was likely to break the law, but because of circumstance, they found themselves in a position where there was an opportunity to commit a crime and receive some benefit.Fraud includes bribes, illegal transactions & extortion  Many people will be faced with temptation and while it is fair to say that most people can resist this…
  • Financial news: September 18, 2014

    A.W. Berry
    18 Sep 2014 | 3:00 am
    • Bloomberg: Startup investing via Roth IRAs has potential for high tax-free income• RFF: U.S. oil refineries oppose lifting export ban due to larger domestic spreads• Fox: U.S. incomes are 8% lower than in 2007 per the Department of Commerce• CNBC: ETF managers are forecasting a market correction per investments• CNN: Of the world's 2,325 billionaires, 12.3% or 286 are women• ZH: FedEx raised its earnings per share by reducing shares outstanding• AP: FedEx to hire over 50,000 seasonal workers, UPS to hire up to 95K• DOL: Jobless claims 09/13, 280K down 36K; average 299.5K…
  • Is it possible to learn forex from a trading coach?

    A.W. Berry
    17 Sep 2014 | 6:00 am
    By Luke PetersForex is known to be a highly volatile market and most traders need years of experience and learn from their failures to become true masters of the trading art. Most people think of trading as an art which is self taught and it often requires one to go through several trials and failures to be able to derive regular profits from the market. Although, trading is a fine mix of art and analytical science that develops and refines with time, the learning process can be essentially hastened through the help of a trading coach. It is pretty believable fact that it is possible to…
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    LCF on Personal Finance

  • The Reality of Mortgage before Marriage

    ChingFoo Lieu
    17 Sep 2014 | 6:59 am
    Which is applicable for you? 1) “First come love, then comes marriage, then comes mortgage and then the baby”. 2) “First comes love, then comes mortgage, then comes marriage and then the baby”. 3) “First comes love, then comes a baby, then comes marriage and then the mortgage” I am in this sequence (2). In our parents time, sequence (1) is more likely but it is just getting rarer now. Anybody who has experience sequence (3) – well, just to acknowledge that it is also not uncommon nowadays! Anyway, I digress. The gist of the matter is that it is just…
  • Why your Financial Planner/Adviser is not actually Financially Free (yet)

    ChingFoo Lieu
    8 Sep 2014 | 10:32 pm
    I am going to be brutally honest with you. It is very unlikely that the financial advisers (or financial agents the likes of insurance/unit trust/estate planning agents) you encounter are already financially free themselves, regardless of how sharply dressed they are or what car they drive. Ask them not to work at all for the next 5 years and see if they can do it without any financial concern. It is also equally likely that you earn more than your financial adviser and have higher net worth than him/her. And yes, even the icons of the industry, agency managers/leaders or even the renowned…
  • Bull or Bear – we still Invest – here’s why

    ChingFoo Lieu
    31 Aug 2014 | 9:43 pm
    Stock market is an eternal battlefield between the Bull and the Bear. As of now, the Bull says – “US and EU economies, as the bellwether of the global economy, are recovering; inflation and interest rates are still low; there are plenty of liquidities.” The Bear says – “Most markets have been on an uptrend for the past 5 years; it is time for a pullback; US is going to raise interest rates; China is facing a credit crisis soon.” Just like the optimist vs the pessimist scenario- the glass could be perceived as half empty or half full. It is also fair to say…
  • You won’t believe how easy it is to Tame Materialism

    ChingFoo Lieu
    25 Aug 2014 | 6:55 pm
    We’ve all been there – yes? I am referring to temptations to progressively higher levels of materialism. And if you’ve earned and lived for quite a while, admit it deep down inside that acquiring stuff doesn’t make you happier in the long run. In fact, sometimes you feel guilty especially when loads of cash are involved in one single purchase. But just what keep us happy? Most of us know it’s all about a highly valuable life. However, society dictates a highly valuable life entails bigger houses, bigger cars, luxury good, etc. In fact, it’s just human to…
  • Life Employment versus Life Employability – a Fresh Perspective

    ChingFoo Lieu
    18 Aug 2014 | 8:13 am
    Although this post is not directly about personal finance or financial freedom, it is absolutely relevant in improving our net worth in our wealth accumulation journey and financial wealth being. An article from one of the columnists in Focus Malaysia, Winslow Wong - somewhere in mid Aug 2014. The Shift In the last decade or so, there has been a fundamental shift from lifetime employment to lifetime employability. People want to know that no matter what happens to their current employers, they’ll be able to secure another job somewhere, ideally with equivalent and no lesser pay. And…
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    Money Soldiers

  • Personal Investment: What are Your Options?

    Arnel Ariate
    19 Sep 2014 | 7:49 am
    Personal Investment can essentially fall into two categories – investing financially in another business or person or simply investing in something specifically for you.  The tricky part is deciding precisely what to do with either of these options, as it is easy to become overwhelmed with indecision and uncertainty because of the many different ventures […]Personal Investment: What are Your Options? is a post from: Money Soldiers - Helping you fight your financial battles © 2012-2013, All Rights Reserved
  • How to Increase the Value of Your Home

    Arnel Ariate
    15 Sep 2014 | 10:16 pm
    Your house is not just a home; it is also an investment.  If you would like to increase the value of your house and make your home a more enjoyable place to live you may want to consider investing savings or taking out a home improvement loan to improve your property.  This is an increasingly […]How to Increase the Value of Your Home is a post from: Money Soldiers - Helping you fight your financial battles © 2012-2013, All Rights Reserved
  • Save on Homeowners Insurance

    Arnel Ariate
    13 Sep 2014 | 7:17 am
    When you add it all up, the total cost of insurance premium is a significant share of most household budgets.  Car insurance, homeowners insurance, and a host of additional forms of coverage add-up quickly.  Add in the cost of health insurance and life insurance, and the total share of monthly spending related to insurance climbs […]Save on Homeowners Insurance is a post from: Money Soldiers - Helping you fight your financial battles © 2012-2013, All Rights Reserved
  • Can Young Adults Afford to Drive?

    Arnel Ariate
    10 Sep 2014 | 7:22 am
    Young adults are in a bit of quandary these days not because the newest smartphone is in town and they had just bought an older model, but because for all their hardships in taking driving lessons and sitting through nerve-wracking driving tests to get their license, they realise that they can’t afford to drive, after […]Can Young Adults Afford to Drive? is a post from: Money Soldiers - Helping you fight your financial battles © 2012-2013, All Rights Reserved
  • Taxpayers Will Pay for Care of Elderly According to Proposed Tax

    Arnel Ariate
    5 Sep 2014 | 11:56 pm
    Anyone who has an interest in the country’s economics will know that elderly care places a huge financial burden on the UK government.  And anyone who has aging relatives or is nearing pension age knows that care can end up swallowing up retirement savings in a flash. But a major review of the health and […]Taxpayers Will Pay for Care of Elderly According to Proposed Tax 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 Financial Planners Know How to Value Your Company?

    Jason Hull
    18 Sep 2014 | 6:00 am
    “Amidst all the hype and hoopla around this business, I wanted to emphasize the challenge—it is seductive but the failure rate is very high. And those who fail have no good place to go.” ― Mahendra Ramsinghani I’ve been fortunate enough to have a company where I eventually saw three different offers for either the […]Learn to beat your Monkey Brain and Accelerate Retirement. Do Financial Planners Know How to Value Your Company? is a post from Fort Worth Financial Planner Hull Financial Planning Related posts: Why Life Insurance Companies Should Provide Financial Planners…
  • Do I Really Need Life Insurance?

    Jason Hull
    11 Sep 2014 | 6:38 am
    Q : What’s the difference between an insurance company CEO and the mafia don? A : The insurance company CEO can tell you how many people will die this year. The mafia don can tell you the names of all of them. I recently had a tenant pass away, leaving his wife and three children. […]Learn to beat your Monkey Brain and Accelerate Retirement. Do I Really Need Life Insurance? is a post from Fort Worth Financial Planner Hull Financial Planning Related posts: Why Life Insurance Companies Should Provide Financial Planners Personal Finance FAQ Series: What Do I Need to Consider When…
  • Where’s Waldo? My Recent Appearances

    Jason Hull
    4 Sep 2014 | 6:00 am
    Occasionally, others ask me to share some insight with their audiences on a variety of personal finance topics. I’m always grateful to them for sharing the opportunity. Here are a few of my recent appearances for (what I hope is) your reading pleasure: Clark Howard | Hyperbolic Discounting: The Psychology Behind Getting Clark Smart How […]Learn to beat your Monkey Brain and Accelerate Retirement. Where’s Waldo? My Recent Appearances is a post from Fort Worth Financial Planner Hull Financial Planning Related posts: Where’s Waldo? My Recent Appearances Where’s…
  • How Much Retirement Does $1 Million Buy?

    Jason Hull
    28 Aug 2014 | 5:00 am
    “If it weren’t for baseball, many kids wouldn’t know what a millionaire looked like.” –Phyllis Diller One of the most commonly asked questions I get as a financial planner is “when can I retire?” followed by “how much money do I need to retire?” The answer, of course, is “it depends.” How much you need […]Learn to beat your Monkey Brain and Accelerate Retirement. How Much Retirement Does $1 Million Buy? is a post from Fort Worth Financial Planner Hull Financial Planning Related posts: A Million Dollars Ain’t Worth a Nickel Anymore, or is It? If…
  • Twentysomethings: You Have an ENORMOUS Asset! Do You Realize It?

    Jason Hull
    21 Aug 2014 | 5:00 am
    Most recent college graduates feel like they don’t have a dime to their names. They probably have an old beater car, some second-hand furniture – or, better yet, cardboard boxes and milk crates – and probably a hefty student loan debt from their friends at Sallie Mae. They may be getting a paycheck at the […]Learn to beat your Monkey Brain and Accelerate Retirement. Twentysomethings: You Have an ENORMOUS Asset! Do You Realize It? is a post from Fort Worth Financial Planner Hull Financial Planning Related posts: Asset Allocation for Early Retirees Four Reasons Why Asset Managers…
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    Listen, Money Matters!

  • Education Hacking with Scott Young (Ep. 179)

    Candice Elliott
    19 Sep 2014 | 3:00 am
    Can you get a top notch education for free? Scott Young shows you how to DIY your own top shelf education. Also find out what autodidact means! The post Education Hacking with Scott Young (Ep. 179) appeared first on Listen, Money Matters!.
  • 6 Major Factors Make Up Your Credit Score?

    Candice Elliott
    18 Sep 2014 | 5:00 am
    A credit score is a 3-digit number that ranges from 300-850. It's used by financial companies to decide how likely you will pay back money they lent you. The post 6 Major Factors Make Up Your Credit Score? appeared first on Listen, Money Matters!.
  • Better Know a Millionaire with Jordan Harbinger from Art of Charm (Ep. 178)

    Candice Elliott
    18 Sep 2014 | 3:00 am
    Today we get to know millionaire Jordan Harbinger of Art of Charm where ordinary guys become extraordinary gentlemen. The post Better Know a Millionaire with Jordan Harbinger from Art of Charm (Ep. 178) appeared first on Listen, Money Matters!.
  • 5 Questions: Brokerage Accounts, Car Payments, and Credit Card Fraud (Ep. 177)

    Candice Elliott
    17 Sep 2014 | 3:00 am
    It's time for your questions. We'll cover brokerage accounts, car payments, and credit card fraud. You know where to come for the answers. The post 5 Questions: Brokerage Accounts, Car Payments, and Credit Card Fraud (Ep. 177) appeared first on Listen, Money Matters!.
  • 16 Inexpensive Date Ideas

    Candice Elliott
    16 Sep 2014 | 5:00 am
    Dating can be expensive, but dinner and a movie gets expensive and boring pretty fast. Here are 16 inexpensive date ideas that you can do with your partner. The post 16 Inexpensive Date Ideas appeared first on Listen, Money Matters!.
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    Equifax Finance Blog

  • How Much Should You Offer on a House?

    Steve Cook
    17 Sep 2014 | 5:14 am
    When you finally find your dream home after weeks, months, or even years of searching, the first step you must take to make it your own is to make the seller an offer. Unless you’re a real estate professional, chances are it’s not every day that you make an offer for hundreds of thousands of dollars that you will be repaying over the next 30 years. As you might expect, there’s more to putting together the right offer than throwing darts at a target. So, how do you go about making a fair offer that won’t be a dollar higher than necessary to get the seller to say yes? There are three…
  • Five Ways to Save Money—Even on a Tight Budget

    Teri Cettina
    16 Sep 2014 | 5:55 am
    Trying to put away some savings when your income is already stretched to its limit may sound impossible, but it’s not. The key is to keep your goals small and to become hyper-aware of your family’s personal spending traps. Here are five simple ways to start your savings project: 1. Start really small. It’s OK to save what feels like a ridiculously small amount of money at first—even as little as $5 a week. That may not seem like much, but even small amounts add up over time. You want to make sure your goal is achievable and that you’re saving consistently, which you probably can do…
  • Five Credit Habits to Avoid

    Equifax Experts
    15 Sep 2014 | 5:45 am
    Your credit score is an essential part of your financial life. Along with other factors, it’s used to determine your interest rates and whether you’ll be approved for new lines of credit at all. Negative information could weigh your credit score down and may impact your financial health, so it’s important to be aware of these five common credit scenarios. 1. Charging too much on your credit cards Roughly 30 percent of your credit score is determined by the amount you owe, so racking up a high balance on your credit cards could hurt your score. The amount of credit you use is…
  • Looking for a Rewards Credit Card? Six Things to Know

    Beverly Harzog
    9 Sep 2014 | 5:13 am
    You have a lot of good choices right now if you’re in the market for a rewards credit card. And the better your credit score is, the better the terms and rewards for which you can qualify. Here are six things you should keep in mind as you shop for a rewards credit card: 1. Not all rewards are created equal. A generous sign-up bonus, such as free airline miles, is an attractive and appealing incentive. Even if a rewards card offers enough bonus miles to buy a free airline ticket, don’t automatically apply for it without thinking it through. If you fly often enough to make the card a…
  • Picturing Financial Wellness: 4 Ways to Improve Your Financial Life [CONTEST]

    EFX Moderator
    8 Sep 2014 | 7:00 am
    Enter the Picturing Financial Wellness contest below for your chance to win up to $1,000 (see official rules for details). Promote the contest on Twitter using the hashtag #efxcontest No matter what stage of life you’re in, managing your personal finances can be a challenge. Whether you’re striking out on your own for the first time, starting a family, or winding down a long career, there are a few key things you should always keep in mind that will help you keep your personal finances under control. 1. Make a budget. You’ve heard it a million times, but making a budget truly is a huge…
 
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    Bargains with Brittanie

  • “Nutty” Nutter Butter Ghosts

    Brittanie
    19 Sep 2014 | 1:55 pm
    Halloween is the perfect excuse to make fun treats. These “Nutty” Nutter Butter Ghosts are easy to make and delicious. They are the perfect addition to any Halloween party and would even be perfect for your kids lunches all October long! Print “Nutty” Nutter Butter Ghosts Ingredients1 package of Nutter Butter Cookies 1 1/2 cup […] The post “Nutty” Nutter Butter Ghosts appeared first on Bargains with Brittanie.
  • Celebrate “Talk Like A Pirate Day” with Captain Morgan Spiced Rum

    Brittanie
    19 Sep 2014 | 11:42 am
    Disclosure: I received a free product for review in exchange for this publication. The opinions expressed remain my own. For adults aged 21 and older, a great way to celebrate national “Talk Like a Pirate Day” is with The Original Captain Morgan Spiced Rum! Captain Morgan Spiced Rum is a caribbean rum made with spices […] The post Celebrate “Talk Like A Pirate Day” with Captain Morgan Spiced Rum appeared first on Bargains with Brittanie.
  • FREE Marie Callender’s Breakfast Pot Pie from Kroger & Affiliated Stores!

    Brittanie
    19 Sep 2014 | 11:25 am
    Today Kroger and Affiliated stores are giving away a FREE Marie Callender’s Breakfast Pot Pie! Just head over and select your store then log in to your account and add this coupon to your storecard. Then all you need to do is purchase this item, scan your store card, and it’s FREE! You must download the […] The post FREE Marie Callender’s Breakfast Pot Pie from Kroger & Affiliated Stores! appeared first on Bargains with Brittanie.
  • FREE Doughnut from Krispy Kreme for Talk Like a Pirate Day Today!

    Brittanie
    19 Sep 2014 | 11:21 am
    Today is National “Talk Like a Pirate Day” and in celebration Krispy Kreme is giving away a FREE Pirate Doughnut! All you need to do is head into your local Krispy Kreme location and talk like a pirate and receive a Free Pirate glazed doughnut. If you are really feeling like a Pirate you can […] The post FREE Doughnut from Krispy Kreme for Talk Like a Pirate Day Today! appeared first on Bargains with Brittanie.
  • FREE Card from Treat! Today Only!

    Brittanie
    19 Sep 2014 | 10:31 am
    Do you have a birthday or special occasion coming up? If so, you will be happy to know that right now you can get a FREE Card from Treat! Treat offers unique and personalized cards that will be perfect for any recipeint and any occasion. If you are a new customer you will receive your first […] The post FREE Card from Treat! Today Only! appeared first on Bargains with Brittanie.
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    The Simple Money Blog

  • Are you working like the job you want to get paid for?

    Angela and Kirby
    15 Sep 2014 | 4:30 am
    KJ: This post is dedicated to those of you who are career climbers in your organization – do you get paid for the job that you do now or do you work like the job you want to get paid … Continue reading →
  • Is your time worth as much as you think?

    Kirby
    8 Sep 2014 | 4:30 am
    KJ: Have you ever sat down to actually figure out what your time is worth? Time is one of the scarcest resources, and it’s one that you can never get back. Knowing the trade-offs of what you are missing out … Continue reading →
  • Maximizing your major purchases

    Angela
    1 Sep 2014 | 7:00 am
    AJ: If ever there was a year of saving, this has been the year of spending on larger purchases and home improvements for us. Despite my best efforts we’ve spent a lot of money on major purchases for our house, … Continue reading →
  • Is it more stressful to not have an emergency fund or to spend one you already have?

    Kirby
    25 Aug 2014 | 4:30 am
    KJ: If you don’t have an emergency fund, the answer to you may seem simple, but once you’ve built up that emergency fund, then when it comes time to actually dipping into it for an emergency – yes, that’s right, … Continue reading →
  • 10 signs that your budget needs a makeover

    Angela and Kirby
    20 Aug 2014 | 4:30 am
    AJ & KJ: Here are our 10 signs that your budget needs a makeover: 1) The words “I’ve never made a budget” come out of your mouth WHAT!? Okay, so forgive my shock and awe, but this is a no … Continue reading →
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    My Money Design

  • I Want to Be Your Personal Money Coach – A Free Giveaway

    MMD
    15 Sep 2014 | 2:00 am
    For years now I’ve had this idealistic vision in my head that someday when I reach financial freedom and retire early that I’m going to become a money coach.  There’s just one problem … I’ve never actually been a money coach – to anyone ever. That creates a little bit of a situation for me.  How can I really know if that’s what I want to do with the rest of my life if I’ve never actually gave it a try?  What if I test it out and find that its not for me?  What if I’m no good at it? Or more realistically – what if I find out all this (what I think is) great advice I…
  • Niche Website Update 21 – Getting Interested Again in Affiliate Marketing – Plus $853 in Income

    MMD
    8 Sep 2014 | 2:00 am
    Its official – summer is over.  The kids are back in school, the pool is closed, and I’m scheduling the sprinkler system to be winterized. In terms of my online business, that also means that I’m running out of time to hit the goals I had set with my niche websites before 2014 comes to a close. Personally I feel like each of my websites has got a LONG, LONG ways to go.  Which can be both a fun and creative thing.  I’m not just talking in terms of making money.  I also mean in developmental things like content, SEO, traffic, etc.  Those are the kinds of activities that I believe…
  • Going Back to School on a Budget as an Adult

    Staff
    5 Sep 2014 | 5:01 pm
    Going back to school isn’t just for the little ones.  It can be a time for grown-ups to get anxiety too.  And not just over the work they’ll have to do. If you’ve noticed the job market is saturated with candidates that have bachelor’s degrees, you’ve possibly considered getting a graduate degree to give yourself an edge. But balancing family expenses is hard enough without adding tuition and books.  Plus don’t forget all those hours invested in working on projects and studying. You might even convince yourself that paying for a graduate degree and…
  • 3 High Risk High Return Investments You Should Get to Know

    Staff
    4 Sep 2014 | 6:51 pm
    When most people talk about investing, their goal is to complete alleviate risk while earning as much money as possible. Although it’s never possible to alleviate risk, it is possible to reduce it if you’re willing to accept a low return.However, what if you’re willing to take on a bit of extra risk for the prospect of a higher return rate? What do you do then? Well, here are 3 high risk high return investments that you can take part in.   Binary Options: When it comes to high risk, high return investment vehicles, binary options happen to be my favorite. With binary options,…
  • Tax Saving Strategies and Outsmarting the System – A Book Review

    MMD
    1 Sep 2014 | 2:00 am
    One of the principles I preach here on My Money Design about building your wealth is to find smart ways to KEEP more of what you earn.  And in no other way can you accomplish this more than by using the right tax saving strategies to help avoid paying more than you have to. I say that because taxes are something that eats into your finances no matter how low or high your income is.  In fact the more money you make, the worse your tax bill becomes because it scales upward with your earnings to the point where it could potentially be one of the largest expenses you have. But with the right…
 
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    The Quizzle Wire

  • Insurance: Are millennials setting up for financial disaster?

    Miranda Marquit
    19 Sep 2014 | 6:00 am
    Insurance is one of the best ways to protect your assets, but many millennials aren’t getting the coverage they need. According to an article from Daily Finance, many millennials aren’t covered by any type of insurance, whether it’s health insurance, auto insurance, or rental insurance. However, the lack of insurance isn’t the only thing disturbing about this millennial financial trend. Part of the reason that many millennials aren’t covered is due to the fact that many of them don’t think that they will have problems. If they do think that they might have problems, many…
  • Money Dos and Don’ts for College Freshmen

    Stephanie Halligan
    18 Sep 2014 | 6:00 am
    Ah, college. The start of a new chapter in life. These are the formative years where you’ll grow into an adult – and the years that you’ll have some of the biggest mistakes, er…learning opportunities, as you adjust to life on your own. And some of the easiest but more costly “learning opportunities” come in the form of your finances. So if you want to stretch your dollar across the entire school year (and have some money leftover for the summer), you’ll need to be smart about where your moolah goes. Here are some money Dos and Don’ts for your freshman year of college:…
  • Military veterans to receive mortgage protections

    Miranda Marquit
    17 Sep 2014 | 6:59 am
    Over the years, Congress has enacted laws designed to protect active-duty military servicemembers, as well as provide them with financial benefits and compensation beyond their pay. However, some military servicemembers aren’t receiving their full benefits. One of the benefits that some military servicemembers aren’t taking advantage of is the cap on mortgage rates. Servicemembers unaware of their benefits In some cases, military servicemembers are unaware of the benefits available to them. The Servicemembers Civil Relief Act (SCRA) outlines a number of benefits to military servicemembers…
  • Plan now to qualify for a home loan later

    Miranda Marquit
    17 Sep 2014 | 6:00 am
    A home is one of those things that you can’t just walk out and buy. In fact, most of us need to borrow a large amount of money in order to purchase a home. However, since a home loan is so large, and the bank is taking a risk on you, not just anyone can qualify for a home loan. If you know that you are going to need a mortgage at some point in the relatively near future, you need to prepare ahead of time. You need to plan now to qualify for a home loan later. Establish and maintain good credit The best thing you can do to prepare for a home loan later is to establish and maintain good…
  • Could Apple Pay replace credit cards?

    Miranda Marquit
    16 Sep 2014 | 12:00 pm
    Over the last few years, digital wallets have become increasingly common. A number of operating systems have tried to make it cool to ditch the physical credit cards in favor of carrying it all on a smart phone. Google and Visa have both introduced their versions of wallets that use technology that allows you to simply tap your phone on a terminal, or wave it in front of the terminal, in order to pay. However, even with the proliferation of smart phones, consumers (and retailers) have been slow to adopt the idea of a digital wallet. According to CNET, that could all change now that Apple has…
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    SideHustle HQ

  • Starting a Butterfly Farming Side Business

    SideHustleHQ
    17 Sep 2014 | 8:26 pm
    It’s no secret that small-scale agriculture has experienced a meteoric rise in popularity over the past decade. As consumers become more wary of GMOs and factory-farmed foodstuffs, this trend will only accelerate in the coming years. While raising organic livestock is an obvious way to profit, there are a few other farming options worth pursuing that most don’t consider. One such promising opportunity is butterfly farming. If you’re an entrepreneurial contrarian that relishes a challenge, a butterfly farm can be surprisingly profitable. Learn the Ropes First things first,…
  • 11 Great Side Hustle Business Ideas for College Students

    SideHustleHQ
    11 Sep 2014 | 4:11 pm
      College is typically a great time for personal growth. While you’re expanding your mind, it’s wise to focus on developing positive habits that will serve you well later on in your life. One of the best personality traits that you can cultivate during this fertile time is an entrepreneurial bent. Here are nearly a dozen great ideas for profitable college student businesses. Develop Student-Focused Apps You don’t have to be an expert coder to put out popular mobile apps nowadays thanks to app builders like AppMakr and Appery.io. All you need is an original idea…
  • Starting a Wearable Tech Side Business

    SideHustleHQ
    4 Sep 2014 | 6:25 am
    The wearable tech sector is on fire these days. Cheap computing hardware, opensource software and miniaturization have combined to make wearable tech the next big thing. Considering the potential of the industry, it would behoove hungry entrepreneurs to investigate their options insofar as profiting from this trend. Though the challenge may seem daunting, you don’t need an advanced engineering degree to develop wearable gadgets. The following brief guide should prove invaluable on your journey to wearable tech titan status. Come Up with a Concept Obviously, you’ll need a unique…
  • Starting a Doorstep Valet Trash Pickup Side Business

    SideHustleHQ
    26 Aug 2014 | 7:02 am
    Much like indoor plumbing and electricity, efficient and hassle-free trash disposal is a primary hallmark of modern civilization. Long gone are the days of unsightly backyard trash heaps and rusting vehicles being left out in the woods. Nowadays, citizens at every level of the socioeconomic pyramid expect access to effortless trash removal. Unfortunately, municipal services sometimes fall short in the performance department. One sensible alternative in many cases is privatized trash removal. If you don’t mind getting your hands dirty, a valet trash pickup venture can be extremely…
  • Starting a Window Cleaning Business on the Side

    SideHustleHQ
    24 Aug 2014 | 8:18 am
    For first-time business owners and seasoned entrepreneurs alike, ensuring the success of any given venture is of paramount importance. While some ideas are destined to fail for one reason or another, certain types of enterprises will boast better survival rates than others. For instance, a window-cleaning business is a great way to launch an instantly profitable venture with little funding. If you have a solid plan and the will to thrive, a window-cleaning outfit can be a good fit for you. Chart a Prudent Course Hit the Ground Running There are a variety of approaches one could take when…
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    Covenant Trust Company

  • 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 […]
  • How much credit card debt is too much?

    Covenant Trust Company
    29 Aug 2014 | 9:21 am
      How much credit card debt is too much? A few years ago, Mint asked people this question and published their results in an infographic (above). Almost half of the people who responded thought any credit card debt is too much. It’s not a surprising response: with the current average (i.e., not highest) credit card interest rate for […]
  • The behavior gap

    Covenant Trust Company
    26 Aug 2014 | 9:50 am
    In a recent article, Bloomberg writer and financial blogger Barry Ritholtz was discussing the significant difference between the returns that an investment earns, and the actual returns that investors get.  Here is an example:  As of 12/31/2013, the S&P 500 Index over the past 20 years returned on average 9.22% per year. The average equity investor earned […]
  • CTC tip: make IRA contributions early in the year

    Covenant Trust Company
    25 Jul 2014 | 7:44 am
    Waiting until the end of the year to contribute to your IRA limits your potential for growth. A recent Money.com article reported that 70% of IRA contributions in 2013 were made near the contribution deadline. Waiting until then can cost an investor over $15,000 over 30 years: “assuming an investor contributes the maximum $5,500 annually for 30 […]
 
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    Debt Consolidation USA

  • Tips When Getting A Car Loan

    Lizzy Bale
    17 Sep 2014 | 2:05 am
    Getting a car loan to purchase a vehicle is a common practice for American consumers. In fact, using credit for a lot of purchases is a preferred payment method for a lot of buyers. Whether that is buying a home, a new TV, a kitchen equipment – we all love to use our plastic or […] The post Tips When Getting A Car Loan appeared first on Debt Consolidation USA.
  • 2 Ways A Healthy Lifestyle Can Lead To Financial Success

    Lizzy Bale
    15 Sep 2014 | 6:32 pm
    Everyone wants to learn how to be a financial success. It is what we were groomed to be right from the beginning. When we were young, we were encouraged to study well so we can get into good colleges. We were told that a college education will help us get a great paying job that […] The post 2 Ways A Healthy Lifestyle Can Lead To Financial Success appeared first on Debt Consolidation USA.
  • 5 Arguments To Convince Creditors To Lower Your Credit Card Rate

    Lizzy Bale
    12 Sep 2014 | 8:59 pm
    Do you think that you can get lower credit card interest rates? Of course you can! All you have to do is ask. It is not against the law to request for a lower credit card rate. However, you also have to understand that you cannot force your creditor to lower it if they do […] The post 5 Arguments To Convince Creditors To Lower Your Credit Card Rate appeared first on Debt Consolidation USA.
  • 5 Steps To Keep Unaffordable Medical Bills From Getting Worse

    Lizzy Bale
    10 Sep 2014 | 1:45 am
    Dealing with medical debt is not easy – especially when you cannot afford all your medical bills. This is one of the expenses that you know that you should make even when the high cost of health care will compromise your finances. You just have to take it on because there is nothing more important […] The post 5 Steps To Keep Unaffordable Medical Bills From Getting Worse appeared first on Debt Consolidation USA.
  • Can Your Retirement Fund Rely Solely On Social Security Benefits?

    Lizzy Bale
    8 Sep 2014 | 8:10 pm
    Do you think your Social Security Benefits will be enough to support you through retirement? One of the most common retirement regrets of the elderly is failing to save enough money for their retirement fund. Although we have received a lot of warnings from financial experts and even our own elder relatives, we still failed […] The post Can Your Retirement Fund Rely Solely On Social Security Benefits? appeared first on Debt Consolidation USA.
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    Personal Finance Blog | LSS

  • 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…
  • More Beneficiary Blunders

    Kate Swenson
    2 Sep 2014 | 7:12 am
    A while back, I wrote a blog called “Avoiding Beneficiary Horror Stories.” At that time I discussed many potential problems that may arise when you don’t review your forms periodically to ensure they’re accurate. Since then, I have come across a few other scenarios I wanted to share so you can avoid these unfortunate blunders. Just like we were all born into this life, we will also pass away from this life. Although not much fun to think about, it will happen sooner or later. Since we have no idea when that may be, it’s always best to be prepared. One way to do that is to make sure…
  • A College Student’s Primer on Student Loans

    Kate Swenson
    26 Aug 2014 | 6:33 am
    August is here and school is right around the corner. As a new college student, you may be filled with a mix of emotions about the adventure you will soon begin. Meeting new friends, maybe moving someplace far from home, and starting your adult life can be exciting and even a little scary at times. Settling in to a routine that demands balancing classes, studying, working part-time and having some fun will not only be a challenge, but will also take some time. While in college, don’t put your student loans on auto-pilot or you just may have a painful shock (or loan balance) when it all ends…
  • Tips for Taking the Anxiety Out of Moving

    Kate Swenson
    21 Aug 2014 | 7:25 am
    Moving can be an exciting adventure, especially if you’re heading to your dream home! But it can also be unduly stressful with so many details screaming for attention, not to mention packing up everything you own only to unpack at your final destination. My best advice is to think ahead, pay attention to the small stuff, and give yourself plenty of time. In all honesty, I have not moved in 13 years. But like everything else, things have changed greatly in that time so there is guidance available to make your move go more smoothly. Start with a planning checklist: The last time I moved, it…
  • Giving Financial Help to Family Members—Look Before You Leap!

    Kate Swenson
    19 Aug 2014 | 7:09 am
    A growing number of adult children are turning to the Bank of Mom and Dad and Grandparents. Many families have the impulse to be generous as they watch their young-adult children struggle with a tough job market and challenging economy, so they lend their children money to help pay for basics like rent, debts owed, transportation … or, let adult children move back home. Parent’s want their children to be successful and ultimately not struggle. This poses a huge dilemma for a parent or grandparent. You want to help your children succeed but in doing so you can jeopardize your own…
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    Minting Nickels

  • 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…
  • Ways to Own Your Finances (By Making Just a Few Phone Calls)

    Justin
    11 Sep 2014 | 7:20 am
    I know many people that absolutely dread picking up the phone because they have become too adjusted to using emails and texts on their smart phones. A phone call, however, is always the easiest way to get through to someone when it needs to be personal. The phone is your best weapon when you want to own your finances either through savings, investments, or advice. Here are a few different instances in which a simple phone call can do wonders for your personal finance. 1. Renegotiate your bills Don’t you just hate it when a service provider tacks on additional fees over and over again? All…
  • When Should I Switch My Bank?

    Justin
    6 Sep 2014 | 2:19 pm
    If you are happy with your bank, good on you. We wish you a long happy life together. But maybe you’re starting to see Red Flags. You try to explain it away, not wanting to face the truth. But the reality is, it’s time to bring this relationship to a close. If your bank is sketchy or isn’t treating you right, take your business elsewhere. Here is how to know when enough is enough.   1) FEES! The recession recovery saw many of our banks instituting fees at every turn. Annual fees for credit cards and checking accounts, hefty overdraft fees, transaction costs, fees to use online…
  • Creative Ways to Get Quick Cash Now

    Justin
    4 Sep 2014 | 11:26 am
    Emergencies occur when you least expect them and when your budget is not ready for them. Cash isn’t always available for life’s mishaps. For some families, saving is not an option due to low paying jobs and cost of living increases.  Sometimes it requires a bit of creativity rather than taking out a quick cash loan or auto title loan. Bake Sale Even if you just spruce up box mixes, you can have a bake sale. Organize the bake sale for a weekend when most people are off work and use social media as well as local online classified advertisements to attract customers. The items should be…
  • How would a UK EU exit impact the UK banking sector?

    Justin
    27 Aug 2014 | 3:53 pm
      There has been a lot of speculation about whether or not the UK will imminently leave the EU. Since the election of the coalition government, there have been some hints that an EU exit is possible and much talk of the desire the secure a “better deal” for Britain from the EU. Read on for an analysis of the impact any future EU exit would have on the UK banking sector.   The UK in the EU for good? Following David Cameron’s promise of a referendum on UK membership in 2015 if the Conservatives are re-elected, many have been commenting on what the financial and economic…
 
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    Debt RoundUp

  • Saving Money IS NOT Making Money!

    Grayson Bell
    19 Sep 2014 | 2:41 am
    I was approached the other day with a unique income producing opportunity.  I could see the potential.  OK, I am lying. There was no potential. It was a basic networking  marketing company (MLM) where you earn money by recruiting other people in your network to sell products to other people they recruit.  I really do hate these forms of networking, but they do exist and some are reputable.  Unfortunately, most are a complete waste of time and very few actually succeed in earning any money. Anyway, I decided to do my due diligence on the company and found some quality lines by others…
  • How to Eat Healthy on a Limited Budget

    Laurie
    17 Sep 2014 | 2:36 am
    Mike wrote a great post last week on how the income gap truly is affecting our eating habits and our health.  People with a limited food budget often feel they have no control over what they eat, and that they have no choice but to buy unhealthy foods.  This is a myth.  Although eating healthy does indeed take effort, you can eat healthy on a limited budget.  Here are some ways you can eat healthy without draining your bank account. Eat Healthy on a Limited Budget Plan Around the Sales We all have heard that menu planning is a vital key to a low grocery budget, and both Grayson and I can…
  • Support a Charity While You Shop with AmazonSmile

    Grayson Bell
    15 Sep 2014 | 2:37 am
    As you know, I am a huge fan of Amazon.com. I make many purchases there and am a Prime member.  The reason I enjoy it is because of the quick shipping and service. Have you ever had to return a product to Amazon?  Well, I have and it is super easy. Either way, I have been on a mission lately to figure out ways to save on Amazon and use the service more.  I recently wrote about 5 little known ways to save at Amazon.  It was a hit for sure that was picked up by quite a few large websites.  As I looked more into buying items via Amazon, I came across AmazonSmile.  This is a program Amazon…
  • How We Sold Our Home Quickly In a Depressed Area

    Grayson Bell
    12 Sep 2014 | 2:35 am
    It has been three months since we sold our first home and bought a new one.  It was a whirlwind to say the least.  We started thinking about putting our house up for sale since the beginning of the year.  After seven years in the house, we realized it was time to move on and move to an area with better schools and better neighbors.  Just as a reminder, we lived in an area where there was high crime, terrible schools, and the neighbors were real a-holes.  On top of that, there we so many foreclosures and short sales that it really made it a hard sale for most.  Anyway, I digress.  As I…
  • The Income Gap Is Affecting Our Eating Habits And Health

    Mike Collins
    10 Sep 2014 | 2:24 am
    Being buried in debt and struggling to make ends meet every month can stress you out and have a negative impact on your overall health.  This type of stress is one thing that the wealthy never have to worry about. But there are other ways in which the income gap between the rich and poor is affecting our health, and that was the subject of a recent article on MSN Money. According to a study published in the Journal of the American Medical Association, while American eating habits did improve between 1999 and 2010 the improvements were not reflected evenly across the board. In fact, it…
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    Phroogal Blog

  • Friday Five: My 5 Favorite TED Talk on Money and Happiness

    The Phroogal Jason
    19 Sep 2014 | 1:18 pm
    For our second installment of Phroogal Friday Five, it’s all about TED. You’ve probably seen at least one TED talk come across a social channel, but you may not know much about the actual idea. TED was originally founded as a conference where Technology, Entertainment and Design converge, but it’s more known for TED Talk videos. TED Talks are highly engaged short form talks that are about 18 minutes or less. Read more on TED. Today, I’m sharing my favorite TED Talks around personal finance, happiness and mindset. They are all empowering and thought provoking. Enjoy! 1. Save More…
  • Supplement Your Degree With Certifications!

    The Phroogal Kevin
    18 Sep 2014 | 9:19 am
    I went to a business school for my undergrad, many have. Upon receiving my degree on a stage in front of several thousand, I anticipated eager employers running up to me begging that I choose to work for their company, and no one else’s. Something along the lines of: “Please, Kevin! Please come work for us! We’ll do anything!! We just saw you get that economics degree!!! You must be an expert in your field!!! We’ll do anything if you choose us!!!” To my surprise (and disdain), this is not how the system works. Fortunately, I did find employment shortly after graduating, but that is…
  • Should We Tip? Marriott and the Tipping Envelopes.

    The Phroogal Jason
    17 Sep 2014 | 5:49 am
    As I was preparing for my flight to New Orleans, I noticed a shared post on Marriott’s plans to add a tipping envelope in guest rooms. I had to read it since I will be staying at the NOLA Marriott for a conference (FinCon to be specific). At first I was taken aback by an attempt of a corporation to once again take advantage of employees and pass the wage responsibility on to its customers. Maria Shriver is spearheading the movement decrying that hotel room cleaners are paid way below living wages. Her non-profit, A Women’s Nation, along with Marriott, will distribute envelopes that…
  • Self-Employed and Buying a House? Watch the Write-Offs.

    Valencia Higuera
    16 Sep 2014 | 5:22 am
    Self-employment offers a measure of freedom. You can set your own hours, work at your own pace, and control your income. But if you’re thinking about buying a house, self-employment might be the thing that stands in your way of ownership. I learned this the hard way eight years ago when applying for our first mortgage. And after a recent discussion with another self-employed person, I realized that some self-employed people don’t fully understand the potential challenges when trying to purchase a home. The fact that people can work for themselves and generate enough income…
  • Football’s Back: Score Money-Saving Touchdowns

    The Phroogal Max
    14 Sep 2014 | 11:33 pm
    These past 2 Sundays have been absolutely perfect. Being able to check my fantasy team, eat food, and watch football is something I don’t take for granted. I usually spend the postseason really bitter, but we don’t have to worry about that for 5 more months, so let’s not talk about it. However, being a fan has more than just an emotional price, but also an actual price. From food to subscriptions to tickets to tailgating, there are so many things you need to account for in your budget. Here are some tips to score some money-saving touchdowns during the season! Make Your Tailgating…
 
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    Student Debt Relief | Student Loan Forgiveness

  • Looming Student Loan Debt Crisis Creeps Closer

    Demetrios Sourmaidis
    27 Aug 2014 | 11:55 am
    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
    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.
  • Dynamic Student Loan Repayment Act

    Demetrios Sourmaidis
    1 Aug 2014 | 12:14 pm
    We’ve reported before on efforts by the Obama Administration and members of Congress to reduce student loan payments and reform the various student loan programs. In particular, Senator Elizabeth Warren of Massachusetts has made this one of her more popular causes. Efforts to deal with the current $1.2 Trillion in student debt have been for […]The post Dynamic Student Loan Repayment Act appeared first on Student Debt Relief | Student Loan Forgiveness.
  • The Latest On Oregon’s Student Debt Plan

    Demetrios Sourmaidis
    30 May 2014 | 11:08 am
    Last year, the students at Portland State University developed a plan to deal with rising student loan debt. We provided the details on “Pay It Forward, Pay It Back” in August. Since then, the state of Oregon has seen their student loan debt balloon to such a high level that even the amount of defaulted […]The post The Latest On Oregon’s Student Debt Plan appeared first on Student Debt Relief | Student Loan Forgiveness.
  • Free Tuition in Tennessee

    Demetrios Sourmaidis
    22 May 2014 | 7:18 am
    At a time when families are going into debt to pay for school, Governor Bill Haslam of Tennessee has come up with a plan to encourage high school students to graduate and then keep them in Tennessee to work and go to college.  His plan also encourages adults to return to college in order to […]The post Free Tuition in Tennessee appeared first on Student Debt Relief | Student Loan Forgiveness.
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    Investing in Your 401k Kid | RSS Feed

  • 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…
  • I See a New Allowance in Your Teen’s Future

    Bret
    10 Sep 2014 | 7:11 am
    Investing in Your 401k Kid - Teaching Parents How to Raise Financially Literate Kids Teens are fascinating animals.  For their parents, they are a constant source of frustration and joy, shame and pride.  Sometimes it feels like you just can’t teach your teen anything.  Simply because you’re their parent, it feels like they will resist anything you telling them.  I think it’s a pride thing.  They don’t want to admit that your might actually know something, after all. Have you ever tried to teach a kid about money?  For little kids, the piggy bank is a great idea, reinforcing…
  • Baby Steps to Teaching Kids About Money Webinar

    Tracie
    2 Sep 2014 | 3:56 pm
    Investing in Your 401k Kid - Teaching Parents How to Raise Financially Literate Kids Here we are!  It’s back to school time once again! Is this the year you decided you would finally teach your kids about money? You want to figure out what to do about allowance.  How much to give the kids, how often they’d be paid, and heck, whether or not you even believed in the idea of an allowance for your kids. Maybe you thought you’d try to put them on a little budget.  Nothing complicated, just a way for them to start realizing where their money is going. But now the new school…
  • Saving Money on Kids’ Sports

    Tracie
    26 Aug 2014 | 5:18 am
    Investing in Your 401k Kid - Teaching Parents How to Raise Financially Literate Kids Our son started a new school this year. The football coach explained via email that all equipment is provided for the players. I asked my son to email the coach back and clarify if that meant cleats as well.  This caused a discussion. “Mom, he said ALL equipment!” “Really?” I replied.  “Because it seems to me that it would be pretty tough to provide enough different types of shoes to fit the feet of 30 different teenage boys.  I mean, you’re not going to used someone…
  • Want Your Kids Gone? Gotta Let Them Fail!

    Bret
    15 Aug 2014 | 10:24 am
    Investing in Your 401k Kid - Teaching Parents How to Raise Financially Literate Kids photo (c) davidmican / Flickr “I hope when my kids are in their 30s, and I’m in my 60s, that they come back to live with me for a few years.” Said no parent, ever. Why are so many kids moving back home?  And why are they now moving back home not in their 20s, but now in their 30s? A recent Pew analysis of 2012 numbers found that 36 percent of young adults aged 18 to 31 were living in their parents’ homes. That was up from 32 percent in 2007.  Baltimore Business Journal wrote: The data come as no…
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    iMoney.ph

  • Find Yourself A Loan

    imoney
    17 Sep 2014 | 7:20 pm
    Sometimes, you need extra money for emergencies, tuition fees, or even extraordinary events, like a wedding or a vacation. If you’ve ever been in this situation, you’ve probably thought about getting a loan. There are several no-collateral (meaning: you don’t put up jewellery or your house or your car as a collateral that the lender can repossess if you don’t pay back) loans you can get from different sources. How do you choose which one suits your needs? Below, we’ve gone through four kinds of no-collateral loans available in the Philippines: bank personal loans, social…
  • 10 Ways You’re Wasting Money Right Now

    imoney
    16 Sep 2014 | 6:35 pm
    We tend to think of wasting money as big impulse purchases, like buying a new pair of shoes you don’t need, or splashing cash on the new iPhones just because your current phone seems so old now. What we tend to overlook are the niggling little things that don’t seem like much right now, but slowly turn into an avalanche of fees if kept unchecked. You might be wasting your money and not even know it. It’s difficult enough to make money in this economy — watch out for these habits and overlooked fees that waste your hard-earned money. If you plug the leaks we’ve listed below, you…
  • How Much Do Weddings Cost In The Philippines?

    imoney
    14 Sep 2014 | 6:44 pm
      (photo by Petr Kratochvil) Love don’t cost a thing, but weddings can cost a pretty penny. That might be one of the factors as to why fewer Pinoys are tying the knot these days — according to the NSO, the number of registered marriages has been steadily declining since 2009. There are so many expenses to worry about in life already, so setting aside a giant chunk of money for one day of celebrations might seem unreasonable. But we Pinoys are very romantic, so we like our weddings. And having a wedding in this economy doesn’t have to be a burden. You just have to know your budget…
  • Income Tax In Southeast Asia [INFOGRAPHIC]

    imoney
    9 Sep 2014 | 8:37 pm
    #deathandtaxes, #deathbytaxes … the subject of income tax is always an issue, but recently it’s taken center stage as senators call for #taxreform to ease the burden on Filipinos, who have been said to pay the most taxes in Southeast Asia. But it’s hard to compare tax rates among different countries; there are so many more factors that should be taken into account, such as the standard of living, the threshold at which the top tax rate kicks in, and the different kinds of taxes. Income tax is only one tax — other taxes include social security and value added tax — and depending on…
  • Don’t Break The Bank This Christmas

    imoney
    9 Sep 2014 | 7:04 pm
    ♫ It’s the most wonderful expensive time of the year ♫ — and it’s almost upon us. Yes, it’s September, and it’s practically Christmas here in the Philippines. You’ve probably seen the holiday decor for sale or heard the carols on the radio. But if you’re budget-conscious, you might already be worrying about covering the cost of Christmas. December happens every year. Don’t let it sneak up on you. Prepare for the holidays with our tips on how to have a holly, jolly Christmas without breaking the bank. Make your Christmas budget and gift list. Don’t start off the new year…
 
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    FinancingLife.org

  • 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?.
  • Bond Basics 3: What Are Bonds?

    Rick Van Ness
    13 Mar 2014 | 9:03 am
    What are bonds? Bonds are simple interest-only loans. It's that simple! Learn what every investor should know about bonds and fixed-income securities. The post Bond Basics 3: What Are Bonds? appeared first on Bond Basics 3: What Are Bonds?.
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    Find Your Balance

  • Is a Higher Credit Card Limit Better?

    llok11
    18 Sep 2014 | 8:45 am
    You open the letter from your financial institution to learn that they are offering you a higher limit on your credit card. As you read further, you learn that they are doing so because of your strong credit history and the fact that you have an excellent payment history with the card. But should you accept? There are arguments on both sides. Yes Your FICO credit score – the score most commonly used by lenders – calculates into your scoring what percentage of your available credit you are using on your revolving accounts. Since your credit card is a revolving account, a higher limit…
  • Credit Builder Loans: What You Should Know

    llok11
    16 Sep 2014 | 8:45 am
    A secured credit card can be a wonderful way to build a positive credit record. However, credit builder loans shouldn’t be ignored as an option for establishing a strong credit history. How does it work? There are a couple different types of credit builder loans that are the most popular. In the first type, the “loaned” money is actually put into a savings account for you at the financial institution issuing the loan. You make monthly payments on this money so that by the end of the payoff period, you have access to the money you paid, plus any interest that may have…
  • Zapping Cell Phone Data Costs

    llok11
    11 Sep 2014 | 8:45 am
    If you’re like a lot of people these days, a smartphone is integral to your day-to-day functioning in the world. As such, you may stream movies, use apps, or surf the web without a second thought. If you’re not careful, though, the amount of data you’re using can quickly mean a much larger phone bill than you’d like. Here are several ways to hold down your data usage costs. Know usage and options It’s important to know what your data plan is and how many gigabytes you get per month before you incur large overage fees. In addition to explaining your current plan, most…
  • Opening the Hood on Auto Credit Scores

    llok11
    9 Sep 2014 | 8:45 am
    You’ve accessed your credit scores in preparation for buying a vehicle. You’ve done everything in your power to get your scores as high as possible. Then you sit down with your lender only to be told they use something called “auto credit scores.” No need to get flustered. While there are a few key differences, auto credit scores are pretty similar to general credit scores. Once you know the ways they vary from your general credit scores, you can quickly understand how to master yours. What’s different? Auto credit scores normally put greater emphasis on: Whether or…
  • Preparing Finances For A Maternity Leave

    llok11
    4 Sep 2014 | 8:45 am
    When you’re welcoming a little bundle of joy into your life, unanswered money questions can distract from your bonding time and bring unnecessary stressors into your first days together. However, by planning ahead, you can create a maternity leave with far fewer financial worries. Talk to your HR person You don’t want to start planning your maternity leave based on false assumptions or outdated information. Schedule an appointment with your human resources contact to arm yourself with the knowledge you’ll need to begin designing your maternity leave financial plan. Think…
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    Gajizmo

  • How To Get Out Of Jury Duty

    Gary
    17 Sep 2014 | 10:13 am
    Jury duty is something the vast majority of American citizens must deal with at least once in their lives. Getting out of jury duty is considered by many to be shirking your civic responsibility, but sometimes circumstances require it. And even if circumstances don’t “require” it, if you are anything like me, you will do everything you can to get out of jury duty or spending the day at the courthouse altogether. The first thing you should try to avoid is complaining to someone about receiving a jury summons. You’re more than likely to be talking to one of two types of people: either…
  • How To Get Money Fast For Kids

    Gary
    11 Sep 2014 | 12:54 pm
    Enterprising kids can make money for the extras they want or to save and invest for their college education. How much money you can make depends on your talents, the amount of time you have to devote to work and how much effort you are willing to put into your projects. These ideas on how to make money as a kid include some of the old standbys that have worked for generations, such as washing cars or bikes, mowing lawns, and walking dogs, as well as ideas for tech savvy kids who know more about electronics than their parents. Parents can also teach their kids how to make money to encourage…
  • How To Find A Job After College

    Gary
    9 Sep 2014 | 2:56 pm
    When you are a student, you may think that finding a job after college and starting your career should be easy. After all, you just successfully finished your degree and you’re ambitious, hard-working, and ready to make money. Unfortunately, many college graduates don’t have jobs lined up for them and it often takes months of writing resumes and cover letters, filling out applications, and going on stressful interviews to find an opportunity. If you are wondering how to find a job after college, you will need to create a step-by-step plan that leverages your degree, skills, and network to…
 
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    Personal Finance AdvicePersonal Finance Advice

  • 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…
  • How to Pay for College on a Budget

    Chris Bibey
    22 Aug 2014 | 7:22 am
    Are you looking forward to attending college, but unsure of how you are going to make ends meet? With the cost of school on the rise, you have to know what you will be up against as you get started with your first semester. If you are on a tight budget, it does not mean you have to forgo college and enter the working world. There are things you can do to improve your situation, making it possible for you to save money while getting the education you have been dreaming of. Go to School and Get a Job Despite the fact that college courses are sure to take up a lot of your time, if you can work…
  • How to Approach Potential Clients on LinkedIn

    Chris Bibey
    29 Jul 2014 | 4:55 am
    Are you on the prowl for new clients? Have you come to realize that the use of social media, including LinkedIn, could be the best way to generate business? While the opportunity to use LinkedIn to grow your business is right in front of you, there is a big difference between “saying” and “doing.” The way you approach potential clients on this professional networking site can be the difference between success and failure. Here are three how-to tips that will put you on the right path to success: 1. Personalize your communication. As tempting as it may be to send a “canned message”…
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    Mad Fientist

  • 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…
  • Guinea Pig – Update #4

    The Mad Fientist
    21 Jul 2014 | 4:52 am
    Welcome to the six-month update for 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. So, we’re halfway through the first year and the GP is making great progress. Let’s take a look at the FI Laboratory graphs for both the normal and the optimized GP scenarios. If you haven’t started tracking your own progress yet, sign up for a free Personal…
  • Roth IRA Horse Race

    The Mad Fientist
    15 Jul 2014 | 6:50 am
    I have a strategy the guarantees you’ll make a fortune betting on horse races. It’s very simple, actually. The idea is you bet a certain amount of money (x) on the horse that is favored to win. If the horse wins, great! You walk away with x and you can go home happy. If the horse loses, however, you have to bet 2x on the next race’s top horse. If that horse wins, you’ll win back what you lost in the first race and you can go home with x winnings. If the horse loses, you’ll have to double your bet again and continue doing that until you eventually win. The favored…
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    Getting Ahead, A Personal Finance News & Exchange

  • Automate Bill Payments to Save Money, Time and Your Credit

    17 Sep 2014 | 7:00 am
    <br /> <img src="http://usequityadvantage.com/images/default-source/Blog/Images/bill-payments.jpg?sfvrsn=2" alt="Save money, autopay, bill payment" title="Bill payments" /><br /> <p>Most of us are deluged with monthly bills: water, gas, electricity, auto loans, credit cards, mortgage, cell phones, cable &hellip; it&rsquo;s a long list. Add in the fact that these bills have different due dates, often odd ones that don&rsquo;t conform to the usual 1st and 15th of the month cycles, and it&rsquo;s easy to miss one in the…
  • Save Money! Get Healthy!

    15 Sep 2014 | 7:00 am
    <img src="http://usequityadvantage.com/images/default-source/Blog/Images/healthy-on-budget.jpg?sfvrsn=2" alt="Save Money" title="healthy on budget" /><br /> <p>When you about think getting healthy, what comes to mind? Probably pricey gym memberships, high-cost low-cal snacks and expensive workout gear. But improving your wellness doesn't have to deplete your savings account. In fact, there are lots of things you can start doing right away that won't cost much at all, and may even help you save money.</p> <p><strong>Hit the…
  • End-of-Summer Savings: Part 1

    10 Sep 2014 | 6:00 am
    <p> <img width="600" height="394" title="Summer's End" src="http://usequityadvantage.com/images/default-source/Blog/Images/summer's-end.jpg?sfvrsn=0" /><br /> <br /> As the sun prepares to set on yet another summer [sniff], we thought this would be a the perfect time to offer up a few ideas for some last minute, bargain summer fun.</p> <p><strong>Gear Up for Next Summer. </strong>This is a great time to stock up on everything from swimsuits and summer apparel to beach balls, goggles and other warm-weather…
  • How to Save Money Eating Out

    8 Sep 2014 | 6:00 am
    <img alt="eating out " title="Save Money Eating out Coupon" src="http://usequityadvantage.com/images/default-source/Blog/Images/save-money-eating-out-coupon.jpg?sfvrsn=0" /><br /> <br /> <p>Dining out doesn&rsquo;t have to give you indigestion when the bill arrives. With a little creativity you can find lots of ways to save money on meals, without scouring the Sunday paper for coupons. Here are 10 tips that can save you a bundle on your next big night out for dinner.</p> <p>1. <strong>Be Web Wise.</strong> Check…
  • Capital Gains Can Lead to Tax Time Pains

    3 Sep 2014 | 6:00 am
    <p><img src="http://usequityadvantage.com/images/default-source/default-album/uncle-samF9F29B514D7A.jpg?sfvrsn=3" alt="Uncle Sam" title="Uncle Sam" /><br /> <br /> While summer is the time of year we tend to occupy ourselves with vacations and outdoor adventures, it&rsquo;s never a bad idea to do a midyear tax checkup. With the stock market reaching historic levels on a seemingly regular basis, one thing to consider is whether it&rsquo;s looking like you&rsquo;ll have significant capital gains to report to the IRS. And while…
 
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    Rockstar Finance

  • Why I Voluntarily Slashed My Salary

    J. Money
    19 Sep 2014 | 3:30 am
    “Here’s what I do know: I’m 56 and my partner is 63, and every day we read obits for people our age (or far younger) who succumbed to heart attacks, cancer or auto accidents – or, this being Alaska, to plane crashes, hypothermia, climbing accidents, drownings and bear maulings. Thus we have vowed to use a mix of frugal hacks and positive thinking to live the best life we can on what we have.” Check out the full article here: GetRichSlowly.org ——– [Photo cred: xlibber]
  • 16 Inexpensive Date Ideas

    J. Money
    19 Sep 2014 | 3:15 am
    “#7. Chopped. Do you guys watch this show? It’s my favorite. If you’re not familiar, each chef is given a basket of four secret ingredients. They then have a set amount of time to create a dish that must contain all the ingredients and whatever you want to use from the pantry and fridge. So one of you could choose the ingredients and the other has to turn them into a dish. And don’t choose either all weird stuff or all easy stuff. It’s supposed to be a bit of a challenge with three normal things and one odd thing. Remember the golden rule, the cook doesn’t…
  • Want to Feel Rich? Look Back in Time.

    J. Money
    19 Sep 2014 | 3:00 am
    “If you weren’t part of the 1% in ye olden days you weren’t really even a person, you had about the same rights as a parsnip. Now you have food, shelter, healthcare, education, and the Internet is opening whole slices of human knowledge that were previously inaccessible. I do wish sometimes people would realise that, at least in the “developed” world, there’s a lot that is good.” Read the entire great article here: MisterSquirrel.com —— [Photo cred: chefranden]
  • Don’t Give Money More Power Than it Deserves

    J. Money
    18 Sep 2014 | 3:30 am
    “I had allowed money to have so much power over me that I had forgotten how to have fun and enjoy life. I’ve been allowing money, for a good 8 months, to allow me to feel guilty, to feel scared, to beat myself up for past money mistakes, and to guide most every decision I make. And that’s just wrong. I mean, yes, it’s important to manage our money well, but it’s more important not to let our money manage us.” Check out the entire post here: TheFrugalFarmer.net
  • Increase Your Income by Decreasing Your Wages

    J. Money
    18 Sep 2014 | 3:15 am
    “Do you remember a couple of years ago when Mitt Romney was required to make his tax returns visible to everyone? Over the course of two years, Mr. Romney earned $42 million dollars, but that wasn’t even the amazing part. On this $42 million, he only had to pay in 14% for taxes! While the rest of us hard-working citizens get 35%+ taken out of our paychecks each month, Mitt was only paying in 14%. How is this possible? It’s simple really. He is not paying taxes on money earned from a job. His money is earned through investments and is therefore taxed at the capital gains tax rate of…
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    Doctor Of Credit

  • Free Money – $5

    Chuck
    19 Sep 2014 | 11:08 am
    Posted on: 9/19/2014   By: Chuck Finally! Something from Chime that’s actually good. They’re giving card-members a free $5. Just use the card anywhere you wish to shop and they’ll instantly reimburse you $5. I received this email, and it seems from the wording at the bottom that this is for everyone. Check your email to be sure you received it too.     Hard to beat free money! I made a $999 payment on Evolve, and they’re showing the $5 credit in my account.   Where will you be spending $5? If you liked this post and want to receive others like it make…
  • Who’s The Sucker?

    Chuck
    19 Sep 2014 | 3:00 am
    Posted on: 9/19/2014 By: Chuck Debit Cash-back Many of us like to do certain online debit card transactions using our PP debit card. This debit card gives 1% cash-back for non-PIN purchases. 1% isn’t a great number, but it is great for something which only takes debit card –  it’s better than nothing. One example of using the PP debit card is to load Bluebird/Serve with a debit card up to $1000 per month. This yields us $10 cash-back per month. Another (dying) example is loading Chime $100 per day, which would yield even more per month. This option ends October 8 when Chime…
  • Citi Bank Launches Two New Expedia Co-branded Credit Cards

    William Charles
    17 Sep 2014 | 10:04 pm
    It looks like Citi is getting serious about competing in the credit card market place, this year has seen them offer 100,000 mile sign up bonuses for their co-branded American Airlines card, add airline transfer partners for their Thank You point program and most recently they launched a 1% + 1% cash back card. They’ve now launched two new Citi + Expedia co-branded credit cards, these cards will replace the one co-branded Citi/Expedia card that was available previously (2 points for all Expedia purchases and 1 point for all other purchases and it earned ThankYou points). The…
  • 5% Vs. 5% Vs. 5%

    Chuck
    17 Sep 2014 | 3:00 am
    Posted on: 9/17/2014 By: Chuck I’m in the market for a new credit card (aren’t we always?), and I was looking into different cards with a high category-bonus, such as supermarket, gas, drugstore … the kind of stores we frequent.  Another criterion is that the rewards should be in the form of cash-back, so that I can, you know, pay the grocery bill. 5% Time I encountered three options to consider: TD Easy Rewards This card offers 5% cash-back on dining, groceries and gas. Additionally, payments of cable, phone and utility bills get 5% back. The 5% bonus is only for the…
  • Agoda.com Review

    William Charles
    16 Sep 2014 | 1:46 pm
    I book a lot of hotel rooms every year, almost all my personal travel is done with hotel points and free night certificates but when it comes to business travel I am able to book my own hotel rooms using cash and then get reimbursed by my employer. Originally the majority of my stays where done at your general hotel chains (Hilton, SPG & Hyatt) I was able to amass a good stockpile of points for my personal stays and earn status. Recently my employer changed the rules and are trialing a new system where we are now given a set budget per day, this includes all of our business travel…
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    moneypantry.com

  • 10 Ways to Save Money on Amazon & Get Free Shipping

    Satrap
    17 Sep 2014 | 10:30 am
    I personally love Amazon! Th first place I look when I need to buy something is Amazon. And almost always, I can almost save  on anything I buy there. I get the needed item on Amazon for far less than other retailers, whether online or offline. That said, if you are a frequent shopper on Amazon, you know it can get expensive rather quickly. Thankfully, there are ways to reduce your shopping cost and save big on any purchases made on Amazon.com. I have been using most of the methods mentioned below for years, and honestly, I am sure I have saved thousands of dollars over the years by using…
  • How to Start a Blog for Free and Make Money: the Ultimate Guide

    Satrap
    11 Sep 2014 | 2:19 pm
    The other day I got an email from Meg, a reader of MoneyPantry, wanting to know how she could start a free blog to make money with. Like many of you guys, Meg is just looking for a way to make some extra money on the web, and after hearing about profitability of blogging, she decided to start a blog. But she doesn’t want to invest any money into it, yet. She wants to make sure she can make money with a blog before she invest any money into buying her own domain name and paying for a professional hosting account. I completely understand that! In fact, if you read this post where I share…
  • Get Paid to Watch Movies for these 10 Companies Including Netflix

    Satrap
    9 Sep 2014 | 2:00 pm
    For many people, the idea of getting paid to watch movies is something straight out of the movies! But as I have shown you in my earlier post about a site that pays you to watch TV shows, there are also companies that will pay you to watch movies. Here are 4 ways you can do that as well.   1. Get Paid to Watch Movie Trailers & Commercials Watching movie trailers and videos through survey sites is also another way in which you can get paid. These types of research market sites are helping the movie companies to decide which trailers are of interest to people, how good or bad these…
  • Easy Money: a Simple Way to Make an Extra $65 (or More) a Day

    Satrap
    27 Aug 2014 | 1:49 pm
    Today, I am going to share a truly easy method that I (and so many other people) have been using to make extra cash consistently. This method involves offering a totally free service to others. Free service? But how would I make money?… Well, read on to find out how this system works, and how it can make you an easy $65 or more a day.   The Concept Ok, you are going to be offering a free service, and that free service is website creation. Yes, you are going to create a free website (up to 5 pages) for anyone, under one condition- They have to buy their hosting account through you.
  • Kmart Free Samples: Get them Online & by Mail

    Satrap
    25 Aug 2014 | 8:53 pm
    With more and more established and traditional corporations taking on Internet as a way to attract more customers to their traditional brick and mortar stores, online sample giveaways are becoming even more popular. One of those big retailers targeting the web traffic to drive its in-store sales is Kmart.   How to Get Free Samples from Kmart? Through its FREE Sample Center, Kmart now gives out all kinds of samples and freebies from foods, and beauty supplies, to cleaning, school supplies, and more. To get your free Kmart samples, all you have to do is visit Kmart’s FREE Sample…
 
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    CompareHero Malaysia

  • Top 3 Travel Hacks for Malaysian Travellers

    CompareHero
    19 Sep 2014 | 12:44 am
    Travelling the world is always one of our greatest dreams. These days, it’s expensive to travel. You have to consider the air fare, your accommodation fees, food, and other fees and dues that you need to pay to visit the places you want to go to. Sometimes, the overseas vacation you've been planning turns into a financial nightmare. There’s no reason to worry, however. You can definitely travel around the world on a reasonable budget. With your finances intact, you can focus on discovering new places, enjoying yourself, and getting the R&R that you deserve. Travel Hack #1 Cheap…
  • Book the Cheapest Flights to Incheon for Asian Games 2014

    CompareHero
    17 Sep 2014 | 3:13 am
    Are you going to be rooting for your favourite players at the Asian Games 2014? Or do you simply need a short break from work or would like to take someone special on a quick getaway for a few days? This is a good opportunity to make good use of the points you've been collecting on your Malaysia credit card. You have just time enough to book last-minute flights to Incheon, South Korea, where our super athletes will once again battle it out with Asia’s best Olympians in football, badminton, cycling, squash, hockey, golf, and synchronised swimming, and more of our favourite sports! If…
  • Malaysia Day 2014 [Infographic]

    CompareHero
    16 Sep 2014 | 3:24 am
    Hari Malaysia! The 16th of September marks the formation of Malaysia. In 1963, the Federation of Malaya, North Borneo, and Sarawak formed what is now Malaysia, our dear country. As we commemorate Malaysia Day 2014, here are a few facts on this little tidbit of history! Malaya, North Borneo, Sarawak, and Singapore had planned to form a new federation on June 1, 1963. This was postponed to a later date, on the 31st of August, to coincide with Hari Merdeka. However, protests from Indonesia and the Philippines regarding the formation pushed the date even further. Finally, on September 16, the…
  • New iPhone 6 Unveiled! Get Your Credit Card Ready

    CompareHero
    11 Sep 2014 | 12:38 am
    Are you planning to upgrade to the new iPhone 6? Better settle your outstanding credit card balances now before these new beauties by Apple are released in Malaysia! On the evening of September 9 (US time), Apple revealed three of its latest innovations: the iPhone 6, the iPhone 6 Plus, and the Apple Watch. Tim Cook, current CEO of Apple Inc., launched a new line of products for their company—his first since taking the position three years ago. The #AppleLive event first covered the latest in the line of iPhones, the iPhone 6. Apple is launching two versions of the phone: a regular iPhone…
  • Mooncake Festival Hangover Cure: Visit These 5 Chinese Restaurants in KL

    CompareHero
    9 Sep 2014 | 9:37 pm
    Got a “mooncake hangover” from the Mid-Autumn Festival celebrations? Indulge yourself in exquisite Chinese cuisine from these restaurants in KL for some traditional post-celebration meal. Remember to bring that credit card with you as you may be able to avail of discounts and special rewards when you dine at some of KL's top Chinese restaurants: Don't have a credit card yet? Compare credit cards in Malaysia and apply online today. 1. Tai Zi Heen Enjoy unlimited dim sum at Tai Zi Heen, located at the Prince Hotel in Kuala Lumpur. For only RM45++ per person, you can enjoy an all-you-can-eat…
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    Pierre Roy & Associés

  • New Office Opening in Montreal Near the Jean-Talon Metro

    Pierre Roy &#38; Associés
    29 Aug 2014 | 7:11 am
    Pierre Roy & Associés is proud to announce the opening of a sixteenth office in Quebec and a seventh office on the island of Montreal. The new office is located at 1384, Jean-Talon Street East in Montreal and is easily accessible via the Jean-Talon and Fabre metro stations. The new office will be serviced by Guylaine Houle, Trustee in Bankruptcy, and Céline Esculier, Financial Reorganization Advisor. Madam Houle and Madam Esculier have many years of experience in the field of bankruptcy and insolvency. They will be happy to meet with you to assess your situation if you are having…
  • Can my tax debts be included in my bankruptcy or my proposal?

    Jonathan Roy
    26 May 2014 | 9:18 am
    At this time of year many people ask us if their tax debts (personal income taxes, company taxes, GST, PST, etc.) can be included in a personal bankruptcy or a consumer proposal. The answer is yes. Tax debts are generally included in a bankruptcy or proposal. Most people do not realize that tax debt (Revenu Québec and the CRA) are treated just like credit card debt, lines of credit, etc. In fact, a significant proportion of bankruptcies in Quebec and Canada include tax debts. However, take note that your tax debts may not be dischargeable if it is a case of fraud or a fine. Otherwise,…
  • Pierre Roy & Associés is proud to announce the opening of a new office in Saint-Jérôme

    Pierre Roy &#38; Associés
    2 Apr 2014 | 7:46 am
    SAINT-JÉRÔME, April 2nd, 2014 – Pierre Roy & Associés, trustee in bankruptcy, is proud to announce the launch of a new office at 60 rue de Martigny Ouest in Saint-Jérôme. The new office is the 15th location in Quebec for the bankruptcy trustee firm established nearly 25 years ago in L’Île-Perrot. “The area of ​​Saint-Jérôme is a growing region where we wanted to be present for many years. The stars aligned and we seized the opportunity to get closer to the people in the Laurentians,” says Jonathan Roy, director at Pierre Roy & Associés. Mr. Roy…
  • Bankruptcy and RRSPs

    Jonathan Roy
    5 Mar 2014 | 8:06 am
    There are many myths circulating about RRSPs and their seizability in the event of a personal bankruptcy. Many clients ask us whether their savings will be seized if they declare bankruptcy. The answer is no! Since July 2008, with the Bill C-12, RRSPs are non-seizable under a bankruptcy, except for your contributions over the last 12 months. Therefore, your creditors can not cash-in your RRSPs if you go bankrupt. This is good news for all Quebecers because their savings are protected even if they go through temporary financial problems.
  • 5 things to know about consumer proposals

    Jonathan Roy
    17 Feb 2014 | 6:59 am
    Consumer proposals are on the rise all across Canada and even more in Quebec. In fact, from 2012 to 2013, the number of consumer proposals increased by 5.4% in Canada and 28.7% in Quebec! At the same time, the number of personal bankruptcies declined by 3.2% in Canada. No doubt that the consumer proposal is becoming the solution of choice for debtors. Here are 5 things you must know about the consumer proposal: 1. A consumer proposal will settle your unsecured debt. The reason why you can keep your house and your car when doing a consumer proposal is that it will only take care of those…
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    Financial Market Vigilante

  • 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 »
  • Watch Out for the Stock Buy-Back Taper

    5 Jun 2014 | 9:01 am
    Back in the year 2000 I got a call from a broker wanting me to take a look at particular large cap financial stock.  The pitch was “the company has lagged its peer group, but it has announced a major share re-purchase program.”  I asked what the company plans were for growth.  Awkward silence was evident on the other end of the line.  I then said, “So you are asking me to buy-out certain shareholders who don’t want to own the company anymore because the management team is struggling to find ways to invest?”  Needless to say, I did not invest in the…
  • Quantitative Easing – Is it Inflationary or Deflationary?

    27 May 2014 | 7:53 am
    On May 15, 2014 the CPI index was published in the U.S. which showed general price increases as measured by the BLS were a meager 2% annually.  This was after a year of massive bond buying by the Federal Reserve.  During the same year over year period, the Fed added $1.162 Trillion dollars of liquidity into the worldwide economy What exactly is going on?  The population has been led to believe that when the Federal Reserve “prints” money, the economic result is inflation.  Chances are that the current path taken will result in a similar outcome.  However, if you are looking at the…
  • Nervous Investors Move to Bonds just like Belgium?

    19 May 2014 | 5:11 am
    I have run across data that belongs in the category of strange and unusual in the May 15th publication of the TIC data (Treasury International Capital Report).The strange aspect of the data is that in the published figures, the tiny country of Belgium with a GDP of only $509B, somehow managed to purchase $40.2B in Treasury securities in the month of March.  The purchases follow a six month barrage of purchases by Belgium in which $214.6B in Treasuries were added to security accounts held in the country.  Based on the data, Belgium has escalated to third, behind only Japan and China…
 
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    Money International

  • Volcano Flight Alert Lifted

    Vicky Dixon
    17 Sep 2014 | 9:43 pm
    Iceland’s civil aviation authority has lifted a flight ban after a small volcanic eruption spewing molten lava 50 metres in the air failed to create an ash cloud. Seismic activity around the Bardarbunga volcano had led scientists to warn a much larger eruption was on the way. However, during the week a small crack developed in the ice field around the volcano releasing lava and gases, which relieved some of the underground pressure on the volcano. As a result, an air exclusion zone around the volcano has been lifted and concerns that flights would be affected have been downgraded from a red…
  • BT Toppled As Britain’s Biggest Pension Fund

    Vicky Dixon
    17 Sep 2014 | 9:43 pm
    BT has lost pole position as Britain’s biggest pension scheme – but the new top dog admits difficult times ahead as administrators struggle with a £7 billion deficit. The Universities Superannuation Scheme (USS), which manages pensions for retirement savers in higher education, has nudged into the lead as the nation’s largest pension scheme with assets of £41.6 billion. BT, which has long been the nation’s number one, slipped into second place with assets of £40 billion. Pensioners are paid more than £100 million a month from the USS, while fund managers reportedly trade £1…
  • Alibaba Corporate Structure May Worry Investors

    Vicky Dixon
    16 Sep 2014 | 10:58 pm
    Investing in Chinese internet giant Alibaba may present a challenge for anyone wanting a slice of what is set to become one of the most valuable traded companies. The Chinese government has greenlighted the sale the web shopping platform that has an 80% market share in the world’s most populous country. But the business set-up is unlike most investors will have come across anywhere else. Alibaba will come under the control of a ‘variable interest entity’ due to Chinese restrictions on foreign ownership of companies. A variable business entity or VIE is a company that is managed by an…
  • Friends, Sex And Health Make Retired People Happy

    Vicky Dixon
    16 Sep 2014 | 10:58 pm
    Everyone wants to be happy in retirement – but what are the things that bring some cheer to your life once you hit 65 years old? Of course, everyone is different, but researchers have spoken to thousands of over 65s in the US and Britain and come up with some advice for those approaching retirement, according to web site Real Deal Retirement. Money can’t buy happiness Having a regular income and savings definitely helps – but in the States, retirees felt they did not need as much as they thought. Those with savings of more than £300,000 were no happier than those with less, but those…
  • 200m Consumer Data Files Sold To ID Fraudster

    Martin Hughes
    15 Sep 2014 | 11:16 pm
    Data security firm Experian warns that more than 350 people a day fall victim to identity theft in the UK alone. However, the firm does not add that recently it was caught up in a scandal over selling consumer data on 200 million people to a known identity theft company in Vietnam. Experian sells identity protection services worldwide but failed to carry out checks on the sale of personal information to a known ID thief, Hieu Minh Ngo. The company got involved in the deal by taking over another company, Court Ventures, in 2012. Court Ventures had an information sharing agreement with another…
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    SuperMoney!

  • The Cost of iCloud’s Celebrity Security Breach

    Audrey Henderson
    19 Sep 2014 | 9:57 am
    Shortly before revealing the iPhone 6 to the world, Apple was once again in the headlines. But this time around, the revelations were anything but welcome, except perhaps to sexual voyeurs.Related article: Apple Pay vs. Google Wallet: A Comparison of Mobile Payment Systems Nude and sexually provocative photos of female celebrities including model Kate Upton, actresses Jennifer Lawrence and Kirsten Dunst were distributed over the Internet without their consent. The overexposure was attributed to a deliberate, targeted breach of the victims’ individual iCloud accounts rather than generalized…
  • 22 Fun Things You Could Buy Instead of Going to College

    Audrey Henderson
    18 Sep 2014 | 2:26 pm
    If you’re the parents of the house, you may be feeling a mixture of sadness and pride as your teen heads off to college. If you’re their younger sibling you may already be mentally redecorating your new awesome room. Either way, a lot of money is headed out the door.How much? The College Board estimates that a “modest” annual budget for one student attending an in-state public college for the 2013-14 academic year was $22,826. Private school? $44,750. But let’s say your freshman is attending a public school. What else could you have purchased for that $22,000+ pricetag? Here’s a…
  • Mambu Review: Changing the Way Banks Do Business

    Andrew Latham
    18 Sep 2014 | 1:28 pm
    Mambu is a new banking software company that is behind the biggest disruption in mobile banking you’ve never heard about. The niche Mambu operates in didn’t even exist a few years ago, but is now set to change the way banks do business.Banking Is an Expensive Business…How? By lowering the overhead of banks and other financial institutions. You don’t need to be told that banking is an expensive business–we all hate banking fees. But the truth is that managing loans and bank accounts does not come cheap.Banks have to keep the lights on, cover payroll and all the other…
  • 10 Stupid Things People with Excellent Credit Never Do

    Tania Galloway
    17 Sep 2014 | 10:18 am
    You may be asking yourself: What do people with excellent credit even need credit for, anyway? They’re clearly good with money, can obviously afford to pay with cash, so what gives?Whether or not you have acceptable credit is something you may not give much thought to….until you’re sitting across from the loan officer. But for those in the elite 720-850 credit score range, they not only know they have good credit and that they can use it as a tool, they’ve likely worked hard to earn that score and keep it high.So how do they do it? By steering clear of these stupid, and often…
  • Should I Buy or Rent a House? The Truth About Home Ownership

    Mani Karthik
    16 Sep 2014 | 2:27 pm
    “Now is a great time to buy a new home” – I’m sure all of us would’ve heard this one time or the other from “experts” recently. Who or what decides the right time to buy a house? What factors go in the decision making process? Is it the market one has to follow or one’s own personal finance situation?Well, there are burning questions and below is a great infographic that answers them. It has everything from what is the right time to buy or rent a home and whether buying or renting is better. Take a look.Source – MoolanomyThe post Should I…
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    Your Smart Money Moves | Personal Finance Blog

  • 5 Ways For Women To Build Confidence

    Van Pappas
    19 Sep 2014 | 9:32 am
    So I know what you are about to say.  What does a 44 year old guy know about women building confidence.  I’m not about to tell you that I know the secret of women, but I thought I would attempt to list some things women can do to build confidence.  After reading  from the book The Confidence Code by Katty Kay and Claire Shipman, I picked up these 5 ways woman can build confidence: You don’t have to make things perfect, so stop tinkering You have to keep moving forward and tinkering takes time.  Even if you are wrong, failing fast can reduce the time going down blind alleys. Leave…
  • Attention All 1099’s… There is a BIG October 1st Deadline!!

    Ted Jenkin @ Your Smart Money Moves
    17 Sep 2014 | 10:02 am
    Since there are so many people who are getting 1099’s and setting up individual LLC’s or home-based side businesses, you need to keep a close eye out this time of year for setting up one kind of retirement plan, a SIMPLE IRA.   The deadlines are just around the corner in the next few weeks, so could this be the right type of retirement plan for you? A SIMPLE IRA (Savings Incentive Match Plan For Employees) was first available to small business owners in 2001. A SIMPLE IRA plan is an IRA-based plan that gives small employers a simplified method to make contributions toward their…
  • 9/16/14 – Should You Discuss Your Salary With Co-Workers?

    Ted Jenkin @ Your Smart Money Moves
    16 Sep 2014 | 11:35 am
    How to Get Rich w/ oXYGen Financial Topic: Should You Discuss Your Salary With Co-Workers? Taped 09/16/14 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
  • McDonald’s Happy, and Starbucks isn’t Lovin’ It

    Van Pappas
    15 Sep 2014 | 8:57 am
    September 29th is National Coffee day and McDonald’s is going to be Lovin’ It.  If you drink coffee, you’re going to be Lovin’ It too.  The fast food chain will be giving away free small McCafe coffee during breakfast for the two weeks leading up to National Coffee Day.  While you and I are going to be lovin our SmartMoneyMoves, saving money for a couple of weeks; McDonalds is going to be smiling all the way to the bank.  This is the second time they have done a two week coffee give away.  At their spring event they gave away millions of cups and the huge success brought in many…
  • Is The Best Part of Waking Up, Really Folgers In Your Cup?

    Eric Puccerelli
    15 Sep 2014 | 8:39 am
    Do you need a cup of coffee to get your day going, or a cup after lunch to carry you through the rest of the day?  According to Statistic Brain, 54% of Americans over the age of 18 drink coffee every day.  There’s definitely no shortage of places to purchase coffee whether it be from a grocery store, a coffee house, or a fast food joint.  Known more for their fast food, McDonald’s has recently launched a campaign to increase awareness around their coffee brand, McCafé.  It was announced that from September 16th until September 29th (National Coffee Day), consumers can get a cup of…
 
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    Money On Trees

  • 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…
  • Millennials: Low Paycheques Don’t Have to Hurt High Hopes

    Fabio Marrama
    11 Sep 2014 | 7:56 am
    As a young professional, you may get little empathy when your expected salary is unexpectedly small. You may have heard from that “you need to work your way up” or just “be grateful for what you have” however, your small paycheque may result in older generations feeling the pinch too. An article in the Globe and Mail confirms that you are probably making less money than predicted – the average annual salary for grads is not keeping up with inflation and in some cases has declined. Salaries for graduates six months out of school “went from $41,699 in 2006 to just $42,636 in…
  • Travel Insurance – Packing piece of mind

    Fabio Marrama
    4 Sep 2014 | 12:39 pm
    Summer is still hanging around for a few more weeks – and that means for some, a last minute getaway. Or if your 30 something and working with no children, maybe you like to wait until the Fall to getaway. I get it, travel insurance isn’t the most exciting purchase you make as you prepare to take off on your trip, but believe me – it’s definitely one of the most important. In a recent study, I was actually quite surprised to see that six in ten Canadians do not regularly purchase travel insurance before leaving the country. I have a recent story to share with you about my experience…
  • A Little Research May Save Your Textbook Budget

    Fabio Marrama
    21 Aug 2014 | 1:13 pm
    Out of all the costs you can predict when heading back to school, unfortunately textbooks isn’t one of them. Until you know your book list, it can be difficult to budget for this back-to-school essential. I can recall one semester where a single class alone ate up almost $700 of my savings. It seemed almost hard to fork over that kind of cash when I approached the counter to pay – but it’s a reality. Some students are even going as far as illegally downloading textbooks and risking being charged with copyright infringement– yikes. . The good news is, if you think a little outside the…
  • The B-word Every Student Should Know: Budgeting

    Fabio Marrama
    7 Aug 2014 | 3:00 am
    As summer begins to wind down, young people across Canada are getting ready to go back to school. When you’re a kid, parents take care of everything from new sneakers to a fresh new supply of pens and paper (those were good times). But once you set off to post-secondary education, back-to-school is a whole new ball game. It wasn’t so long ago that I myself was a student, and I learned a lot about what it means to control your own finances during my time at college. Over the years I figured out that being proactive with my budget allowed me more financial freedom and security while at…
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    Bankrate.com » Rates

  • Mortgage rates in Atlanta, Georgia

    Clare Mallen
    18 Sep 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 Dallas, Texas

    Mitch Strohm
    11 Sep 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
    11 Sep 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 Washington, DC

    Clare Mallen
    11 Sep 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
    11 Sep 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

  • Supreme gaming experience with NVIDIA Tegra powered Sheild Tablet

    Greg Henderson
    19 Sep 2014 | 8:06 am
    Eldon, Missouri – (StockNewsDesk) – 09/19/2014 — Alongside smartphone, the other smart gadget that has created revolutionary mark in this technologically driven world is a tablet. Nowadays, we have numbers of choices in tablet with specific features that has changed the direction of human life. The tablet serves numbers of purposes for human being. The tablets provide the experience of the Internet using, playing games and many more at any place you are needed of the service. You can call it a big smart phone that provides every single feature but calling. Numbers of tablets…
  • A technology-free security cover for the smartphone users: NoPhone

    Andy Manalis
    19 Sep 2014 | 6:30 am
    Santa Barbara, CA – (StockNewsDesk) – 09/19/2014 — The brand-new substitute for users of the smartphone who lets them stay connected with the actual world. It is none other than the NoPhone, a technology-free block of plastic that looks like the fresh iPhone 6. Nowadays, phone addiction is on the hilt, and it is causing pain and trouble to many. However, there is a true solution to the problem that is the NoPhone, a smart alternative to the smartphone. The NoPhone is totally wireless, light in weight and thin that act as ca replacement for any smartphone gadget. It is a…
  • Pay better and safe with Apple pay

    James Smith
    18 Sep 2014 | 8:35 am
    New York City, New York – (StockNewsDesk) – 09/18/2014 — The iPhone 6 came in front of all officially few days back and made some history in the race of technology. This is not a primary range phone which is easily affordable by anyone. The price is high as it is a high-end device that does not need any depiction. Nevertheless, the most important factor is the brand name this device is carrying. Despite the huge price, this device has become capable enough to create history. Within 24 hours of launch, this device has achieved record numbers of sales figure, which is 40 lacks all…
  • A huge discovery coming to life with Apple iOS 8

    Marcel Jackson
    18 Sep 2014 | 7:24 am
    New York City, New York – (StockNewsDesk) – 09/18/2014 — The first glimpses of Apple iOS 8 were in the annual developer conference in June. Now the iOS 8 has come to life for iPads and iPhones. The company spent a great amount of time of its WWDC 2014 center pointing on iOS 8 that take the iOS 7 patterns and load it with new features. It would have Mac’s assimilation while not putting tight limits on Apple’s Touch ID fingerprint sensor. In the new iOS 8 platforms one can swiftly find and edit images, put voice in a text. It also lets the fitness and health apps connect…
  • Sony’s struggle for existence continues to Keep up with Apple, Samsung

    Jaimini Desai
    17 Sep 2014 | 8:12 pm
    Philadelphia, Pennsylvania – (StockNewsDesk) – 09/17/2014 — Just over a decade ago, Sony was the king of consumer electronics with its line of well designed, premium products. They were a hit with affluent consumers who liked the company’s ethos and were willing to pony up for the aesthetic gadgets such as phones, Walkman, cd players, TVs. Since this decade, its fortunes have weakened. Apple and Samsung Similarly, Apple was a struggling company to the verge of launching its own mp3 player who was seen as an act of desperation by most at the time. Samsung was a company mainly…
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    The Travel Sisters

  • Review: American Express Centurion Lounge Las Vegas

    The Travel Sisters
    19 Sep 2014 | 4:42 am
    We had read such great things about the American Express Centurion Lounge in Las Vegas so we were excited to check it out.  American Express Centurion Lounges are supposed to be really nice compared to other US airport lounges.  There are currently 3 American Express Centurion Lounges in the US (in Dallas-Ft. Worth, New York [...]
  • New Frontier Routes from Chicago O’Hare + One Day Sale Starting $29 One-Way!

    Matilda
    15 Sep 2014 | 4:02 pm
    As of today, Frontier Airlines has started service at Chicago O’Hare.  Flights between Chicago O’Hare and Washington Dulles started today.  Flights to Cleveland, Denver, Atlanta, Phoenix and Salt Lake City will begin in October and flights to Orlando will begin in December.  Here is an article from USA Today which offers more information. In addition, [...]
  • Win 200,000 AAdvantage Miles!

    The Travel Sisters
    14 Sep 2014 | 5:06 am
    AAdvantage eShopping Upgrade to Anywhere Sweepstakes is giving 5 winners 200,000 American AAdvantage® miles. No purchase is necessary to win.  The sweepstakes is open to legal residents of the 50 United States (including D.C.) 18 years and older who are also American Airlines AAdvantage® members at the time of entry.  Here are the complete official [...]
  • $25 American Express Gift Card Winner!

    The Travel Sisters
    12 Sep 2014 | 3:10 pm
    Thanks to everyone who participated in our $25 American Express gift card giveaway! The winner selected at random is @PhillipEmerson.  Phillip, we will be contacting you to send your prize. For those of you that did not win or did not get a chance to enter, we plan on having more giveaways in the next few months [...]
  • Did You Enter Our $25 American Express Gift Card Giveaway? [Giveaway Ended]

    The Travel Sisters
    10 Sep 2014 | 3:16 am
    In case you missed it last week, we are giving away a $25 American Express gift card to thank our readers. Here is how to enter: 1) Follow @travel_sisters on twitter. 2) Use the hashtag #TravelSistersGiveaway 3)  Copy this tweet:  Giveaway: $25 American Express Gift Card  http://goo.gl/iF51uX via @travel_sisters #TravelSistersGiveaway. OR follow us and tweet us anything you like as long as [...]
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    Becoming The Capitalist

  • Quick and easy ways to feel less cluttered

    Becoming The Capitalist
    17 Sep 2014 | 2:58 am
    It seems like I’m always battling clutter of some kind. Papers stacked up on the table and desks; boxes of stuff I’ve been meaning to sell or donate for months; junk mail; random things that don’t have a place, so they just sit out in the open driving me nuts. When my environment is cluttered, even simple tasks can feel overwhelming. With the holidays fast approaching, I’m craving some peace and tranquility. So I’ve been working on getting the worst of my clutter under control.Here are a few problems I’m looking to solve. Some of them are easy — I just have to motivate myself to…
  • Simplify your money

    Becoming The Capitalist
    16 Sep 2014 | 6:32 am
    I’m still working out some of the details for these new systems, but I’m going to share them with you here, in addition to the systems we already have in place for simplifying. Be sure to share your ideas in the comments!Go paperless.If you haven’t done it already, chances are you think about it every time you open a paper statement and see the words, “Go paperless now!” My advice is to just get it done. To keep a record of statements, open the electronic version when it becomes available and save it as a PDF on your computer. You’ll feel better without all that paper mail bogging…
  • Better than Panera broccoli cheddar soup

    Becoming The Capitalist
    16 Sep 2014 | 3:18 am
    I’m back on the fitness train, so it will be a long time before I can enjoy this particular recipe again. But that’s no reason I can’t share it with you!I am an absolute fanatic for broccoli cheddar soup, and this experiment started when we attempted to recreate Panera’s version.Broccoli Cheddar soupI’ve tried to make this many different ways, and through all of the incarnations, I’ve learned a thing or two about this recipe. First, you really have to use a light-colored stock; darker stocks alter the flavor too profoundly and make it difficult to attain that cheddar-y color.
  • The best times to tackle deep cleaning projects

    Becoming The Capitalist
    15 Sep 2014 | 3:09 pm
    Most people feel motivated to clean and reorganize in the spring. Since most of fall and winter is spent indoors, I prefer to prepare for the long winter hibernation by cleaning, purging, and reorganizing. I’ve been creating a to-do list in my head of things I’ve been putting off all summer, and it got me thinking about how I could make things easier on myself. Is there a most convenient time to tackle the household chores we all dread?Here are some ideas I’ve come up with. I’d love to hear how you make this stuff easier on yourself.Clean the refrigerator after vacation.I tend to be a…
  • How much is convenience worth to you?

    Becoming The Capitalist
    15 Sep 2014 | 8:56 am
    I am allergic to paying for shipping. At least that’s how it feels when I get to the checkout page for an item I want to buy online, see the shipping charge, and back out at the last minute.Shipping feels like such a wasteful way to spend money to me. If I can purchase the item for the same or close to the same price in a store without paying extra for shipping, I will do it — even if it’s inconvenient for me.But I know everyone doesn’t feel this way. You could make a pretty compelling argument that $7 is worth the convenience of having the items shipped right to your door.There are…
 
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    economyprofessor.com

  • How Debt can bring you down

    About E-P Debt
    28 Aug 2014 | 2:50 am
    Being in a situation where you have to deal with financial difficulties on a daily basis may be a source of distress in your life, as well as the cause of depression or anxiety, something that can clearly affect the way you interact with your family and your loved ones. If you would like to... Read more »
  • What’s the difference between bankruptcy and sequestration?

    About E-P Debt
    5 Jul 2014 | 4:48 pm
    There is so much terminology today in relation to debt problems and in particular debt solutions that it is easy to get confused. In today’s credit driven society there is now such a range of debt solutions and they are often described in technical terms and ‘information overload’ can so easily kick in. This is... Read more »
  • I need help with my debt

    About E-P Debt
    1 Jul 2014 | 3:33 pm
    I’m up to my eyes in debt and just can’t repay it. Every month is a struggle, I can’t meet my monthly payments and my debt is growing. I’m now struggling to pay my basic bills. If any of these are familiar then you seriously need help with your debt. If you are incurring late... Read more »
  • I have a debt problem and need help

    About E-P Debt
    29 Jun 2014 | 4:44 pm
    Now there’s a phrase I wish I had used and acted on: I have a debt problem and need help. It’s not easy to admit you’ve got a debt problem especially when you’re the breadwinner in the household. It’s also every bit as hard to contemplate seeking out someone whom you have to communicate your... Read more »
  • Get yourself some debt advice

    About E-P Debt
    27 Jun 2014 | 4:22 pm
    Debt problems are pretty commonplace these days and that’s not to say they don’t have serious consequences for many people or it makes light of the misery they can cause. The fact is however, that debt problems are on the increase and they affect all sectors of society. Most people struggle on in the hope... Read more »
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    Advantage CCS » Blog

  • Fair Credit Reporting Improvement Act of 2014

    Lauralynn Schueckler
    16 Sep 2014 | 1:14 pm
    The Fair Credit Reporting Act (FCRA) is a federal law that regulates the collection, distribution, and use of consumer credit information. Along with the Fair Debt Collection Practices Act (FDCPA), FCRA forms the base of consumer...The post Fair Credit Reporting Improvement Act of 2014 appeared first on Advantage CCS.
  • How to Use the Debt Snowball Method

    Lauralynn Schueckler
    10 Sep 2014 | 5:18 am
    If you owe money on multiple credit cards, you may be wondering where to focus your efforts and which card to pay off first. Some financial experts believe, when attempting...The post How to Use the Debt Snowball Method appeared first on Advantage CCS.
  • How to Enjoy the Weekend for FREE

    Lauralynn Schueckler
    5 Sep 2014 | 12:20 pm
    The weekend is almost here, and you are probably looking for something fun to do. Maybe it’s a backyard party, an art gallery crawl, a wine mixer, or even hitting...The post How to Enjoy the Weekend for FREE appeared first on Advantage CCS.
  • 15 Creative and Crazy Ways to Save Money

    Lauralynn Schueckler
    4 Sep 2014 | 9:09 am
    There are no-brainer ways to save money all over the Internet nowadays, but I think those are pretty boring, so I’m not going to discuss those money saving tips. As...The post 15 Creative and Crazy Ways to Save Money appeared first on Advantage CCS.
  • 10 Ways to Save Money in College

    Lauralynn Schueckler
    28 Aug 2014 | 11:54 am
    Have you ever heard anyone say “I’m as broke as a college student”? There’s a good reason for that saying. Most college students aren’t earning enough money to make ends...The post 10 Ways to Save Money in College appeared first on Advantage CCS.
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    Save The Bills

  • 6 Reasons You May Be Rejected For A Mortgage

    Edwin C.
    7 Sep 2014 | 9:08 pm
    With the housing market on the rebound and mortgage rates still incredibly low, it’s a tempting time to buy a home right now. But because of the subprime mortgage industry collapse a few years ago, many mortgage lenders have tightened their standards when it comes to lending. If you’re ready to make the plunge into home ownership, you may be surprised to find that you’ve been rejected for a mortgage. Here are 6 common reasons you may be rejected for a mortgage. Not Enough Credit Before the housing bubble burst, no credit was good credit, but today no credit is a risk factor.
  • 5 Big Tax Breaks For New Homeowners

    Edwin C.
    31 Aug 2014 | 3:09 pm
    A house is the most expensive thing you’re ever going to buy. It takes years to save for a down payment and a lifetime to pay off the mortgage. The high cost dissuades many from buying a house, but buying is better than renting because one day your house payment is going to go away. While owning a home is expensive, fortunately there are some tax breaks for the new homeowner. Here are 5 big tax breaks every homeowner should know come tax time. Mortgage Interest Each month your mortgage payment is comprised of principal and interest. In the early years of your loan most of your payment…
  • 6 Ways To Get Home Buyers To Choose Your Home

    Edwin C.
    24 Aug 2014 | 10:53 pm
    A recent survey by the mortgage giant Fannie Mae found that most people still feel that now is the time to buy or sell a home. If you’ve been thinking about packing up and heading for greener pastures, now might be a great time to put the for sale sign up in your yard. If you want to turn your homestead into a pile of cash, you should think about sprucing it up in order to attract the most buyers with the biggest wallets. If you think enhancements are expensive and a waste of time, fear not – these 6 fixes listed here won’t cost you a lot at all. By spending as little money as…
  • 5 Gifts That Come With Hidden Costs

    Edwin C.
    14 Aug 2014 | 5:37 pm
    Have you ever gotten a gift that comes with a hidden cost? Sometimes the sticker price isn’t always the full price. Sometimes you have to spend money to enjoy the full benefits of the gift. Before buying a gift that will bring the recipient hidden costs, talk about the gift with the person it’s intended for to make sure they can use it – and want it – before you spend any kind of money on it. Here’s a look at 5 common gifts that come with strings attached. Coffeemakers Fancy single serving coffee makers like the Keurig make an impressive gift, but the cost of the…
  • Top 20 Personal Finance Posts For July 2014

    Edwin C.
    3 Aug 2014 | 2:40 am
    July was full of great posts from fellow finance bloggers. Here’s a look back at my favorite 20 blog posts for the month, in no particular order. 5 Keys For Happier Living from Life And My Finances Can I Buy A House With Bad Credit? by Narrow Bridge Finance 8 Ways To Save Money At The Movie Theater by Phroogal Blog How To Be Frugal Without Being Cheap by Monica On Money How Big Should Your Emergency Fund Be? by The Family CEO Could You Live Without Your Smartphone? by Plunged In Debt Destroy The 40 Hour Workweek by Frugaling Start Your Own Business To Kill Your Student Debt by…
 
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    Marketing Strategies and Education for Entrepreneurs

  • Marketing Strategies – It’s NOT Google Calling!

    Tammy Hawk-Bridges
    5 Sep 2014 | 7:09 am
    It’s my goal to teach entrepreneurs marketing strategies and how to navigate the Internet so they can benefit from all the opportunities it brings. However, many people are still reluctant and I can’t say that I blame them especially when there are so many scams going on. It truly outrages me that these things happen […] The post Marketing Strategies – It’s NOT Google Calling! appeared first on Marketing Strategies and Education for Entrepreneurs.
  • Managing Overwhelm

    Tammy Hawk-Bridges
    13 Jul 2014 | 10:34 am
    Today is Sunday and admittedly I’m feeling a little overwhelmed. Not by things I have to do but by things I want to do and don’t have the time. Is anyone with me? Education for the Home Business Entrepreneur – Managing Overwhelm Today I read this article by Mashable called 3 Phrases That Actually Make […] The post Managing Overwhelm appeared first on Marketing Strategies and Education for Entrepreneurs.
  • Complacency is Cancer

    Tammy Hawk-Bridges
    9 Jul 2014 | 6:24 pm