Personal Finance

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  • Best Money Tips: Things You Shouldn't Buy Until After Christmas

    Wise Bread
    Amy Lu
    19 Dec 2014 | 12:00 pm
    Welcome to Wise Bread's Best Money Tips Roundup! Today we found some great articles on things you shouldn't buy until after Christmas, ways to avoid overeating during the holidays, and things you need to stop doing when you work. Top 5 Articles 10 Things You Shouldn't Buy Until After Christmas...
  • 5 Top Tips for Battling Your Debts and Coming Out on Top

    Debt RoundUp
    Grayson Bell
    18 Dec 2014 | 7:55 am
    This is a post written by John Baird, who is a personal finance writer dedicated to helping people fight debt! Debt problems can creep up on the best of us and suddenly spiral completely out of control. Even stacking up seriously large debts can happen quickly while the road back to stability and a healthy financial position can be a long and arduous one. As you’ll know if you’ve been trying to become debt free for any length of time, improving your finances significantly takes time, effort and self-discipline. Here are five tips designed to help you find the focus you need and a strategy…
  • Had Enough? Whip Your Financial Life Into Shape

    MoneyCrush
    <a href="https://plus.google.com/103781879383456582208?rel=author">Jackie Beck</a>
    1 Dec 2014 | 4:00 am
    Sometimes you just don’t know where to start. There are all sorts of details to think about when it comes to whipping your financial life into shape — and then keeping it that way. What do you do first? What’s most important? The details can feel overwhelming if you let them, so it’s imperative to prioritize. And that means prioritizing for what’s important in YOUR life. Getting started So where do you start? Here’s one way to go about it. Start by organizing your finances into broad categories, and then prioritize those broad categories based on a…
  • How to Buy the Best Mattress for the Least Money

    Wise Bread
    Linsey Knerl
    19 Dec 2014 | 10:00 am
    If a house and a car are the two most important purchases in your life, a mattress makes a solid case as the third. (See also: How to Buy a Car Without Going Crazy) Without the right knowledge, a mattress purchase can also become like the other two — very expensive. So rest easy by checking...
  • 12 Personal Finance Podcasts to Consider for Your Commute

    PT Money
    Jason Price
    17 Dec 2014 | 2:30 pm
    I know a lot of people have rough commutes. After living in two major metropolitan areas and having to patiently ride out the commute to and from the office each day – I get it. 30 minutes here, 45 minutes there, and before you know it, you’re on the road for over an hour everyday. That said, I often look forward to my commuting time for a few reasons. First, I can spend time easing into my day in the morning, or switching gears to focus on other things such as education or creative thinking. Sometimes I do that with silence. However, much of the time, I listen to my favorite…
 
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    I Will Teach You To Be Rich

  • How to make people like you

    Ramit Sethi
    15 Dec 2014 | 4:00 am
    POP QUIZ: Let’s say I asked you which of these you could change about yourself: Your taste in food (e.g., “I love pizza”) Your body (e.g., “I’m a skinny Indian guy”) Your likeability (“I’m not like Mike, who walks into a bar and everybody loves him”) Which trait do you think is malleable? The correct answer: ALL OF THEM! This realization — that I could change things I previously thought were immutable — blew my mind. For example, with food, I used to LOVE pizza, and I just thought, “those are my taste buds.” I literally thought my palate was an unchangeable…
  • When friends say, “Tell me if I ever get in a bad relationship…”

    Ramit Sethi
    8 Dec 2014 | 4:00 am
    …THEY NEVER MEAN IT! How many friends do you know who said, “Let’s make a promise: If either of us gets in a bad relationship, we’ll tell the other person we don’t like their boyfriend/girlfriend.” You both agree, smiling, happy you can be so open with your friend. (It’s like two 4-year-old boys solemnly pledging that they’re never going to like girls because they’re “gross.” Yeah dude. Sure.) THEN YOUR FRIEND GETS IN A HORRIBLE RELATIONSHIP…AND YOU CAN’T SAY ANYTHING!! I’ve seen it myself — you try to subtly bring something up (“Hey man, do you…
  • This is a really weird thing that people do

    Ramit Sethi
    1 Dec 2014 | 4:00 am
    If you want to see an insane example of people telling you to settle in life, look no further! Your Surrogate Asian Father, Ramit, combs the internet, to find examples of internet nutcases who think it’s OK to be mediocre at life. I don’t allow that shit. For example, my mom used to ask me why I got a 97% on a test. It sucked back then, but in retrospect, it taught me how to push myself harder. Here’s a post I stumbled across and couldn’t stop reading. In it, a woman asks this: “I have a weird problem and I’m not really sure where to talk about it…Everything I do, I do…
  • Your toughest questions about starting an online biz?

    Ramit Sethi
    24 Nov 2014 | 4:00 am
    Next month, I’m heading into my studio to record a whole new series of videos for you. My goal — to top this: ZTL blooper. I hate you, tree  I’m going to be recording new interviews for my Brain Trust program, new success stories for my Zero to Launch course (you will be amazed by these), and new videos all about helping you start an online business. That’s a lot, but I booked extra studio time so I could record some off-the-cuff, uncensored video responses to your toughest questions about starting an online biz. If you’ve always wanted to create an…
  • How to make money fast (without getting caught in a scam)

    Ramit Sethi
    17 Nov 2014 | 4:00 am
    Hi, I’m Ramit Sethi, and I’m going to show you how to make more money. Legitimately (I’m a Stanford grad and New York Times best-selling author), and as quickly as you want. We will be AVOIDING ridiculous money-making schemes like the ones you typically find online. For example… Top 4 ridiculous money-making schemes Panhandling? Selling your hair? These ludicrous (and hilarious) ideas are REAL suggestions given by so-called “experts.” That’s frustrating, because I believe most of us are willing to do the work IF we know that there’s a payoff. I’ve taught thousands of…
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    Get Rich Slowly - Personal Finance That Makes Sense.

  • Ask the Readers: Have you tried the Get Rich Slowly Forum?

    Linda Vergon
    19 Dec 2014 | 3:00 am
    This article is by editor Linda Vergon. There’s a tab up at the far right of the Get Rich Slowly website called “Forums.” I wonder if you’ve had a chance to visit. It’s where you (and a lot of other people) can join in with a crowd of like-minded and dedicated individuals to ask a question about your own personal financial situation and get an actual answer back. Who moderates the Forum? JerichoHill, kombat, and bpgui have been involved in the day-to-day business of the forum for many years, and they respond to many of the entries personally. They are each very knowledgeable about…
  • What is the last day to ship before Christmas?

    Linda Vergon
    18 Dec 2014 | 1:29 am
    This article is by editor Linda Vergon. What is the last day to ship before Christmas? Well, that depends, actually. Traditionally – that is, say, prior to 2008 – the last day to ship was around the second week of December. These days, it really depends on how much you are willing to spend. FedEx offers same-day shipping on Christmas Day. Yes, the FedEx SameDay department is open seven days a week, 365 days of the year. And they deliver “door to door within hours, depending on availability” according to their website. Think something in the neighborhood of $48/pound for the SameDay…
  • How to save for a down payment on a house fast

    Robert Brokamp
    17 Dec 2014 | 3:00 am
    This article is by staff writer Robert Brokamp. My wife and I didn’t wait too long after our wedding to create a family. We were parents one week before our first anniversary. Our apartment was too small for a third human, so we endeavored to buy a house. Unfortunately, we didn’t have a lot of cash on hand since we moved from Florida to Virginia six weeks before we got married, and we footed most of the bill for the wedding. However, we were still able to buy a house, though barely in time for the birth. (My wife was on bed rest for the last two months of her pregnancy, so she…
  • Are you holding yourself back with these money lies?

    Linda Vergon
    16 Dec 2014 | 3:00 am
    This article is by Suba Iyer, who currently writes for FiveCentNickel.com. In 2009, I was all excited to start looking for a house to buy. I had been working in a well-paying job for almost five years at that point and I figured I shouldn’t be throwing money down the drain renting. Well, reality came crashing down when I finally looked at my savings. It wasn’t even enough to be a good emergency fund, let alone a down payment. In 2010, I set out to fix my finances. Month after month, I set up and revised my budget. I failed, month after month. I had the perfect budget…
  • What can I do with the gift cards I don’t want?

    Holly Johnson
    15 Dec 2014 | 3:00 am
    This article is by staff writer Holly Johnson. Chances are, you’ll get at least one gift card for Christmas, Hanukkah, or Kwanzaa this year — whether you like it or not. If you are lucky, your card might be something you could use right away — like an Amazon gift card or one for your favorite store. But you might not be that lucky. You might end up with a gift card to a store or restaurant you unquestionably dislike. Even worse, you might get an inexpensive gift card to a place where nothing is cheap — like a $10 gift card to a restaurant where entrees start at…
 
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    Consumerism Commentary

  • Naked With Cash: Brian, 2014 Wrapup

    Luke Landes
    18 Dec 2014 | 9:25 am
    Naked With Cash is an ongoing series at Consumerism Commentary in which readers share their households’ finances with other readers. These participants benefit from the accountability that comes from tracking their finances publicly and the feedback of the four expert Certified Financial Planners (CFPs). For more information, read this introduction. Throughout this past year, four Consumerism Commentary readers have shared their financial reports and stories, exposing the results of their daily financial choices. The series ends with this month’s update. Each participant is paired…
  • Naked With Cash: Jake and Allie, 2014 Wrapup

    Luke Landes
    16 Dec 2014 | 9:21 am
    Naked With Cash is an ongoing series at Consumerism Commentary in which readers share their households’ finances with other readers. These participants benefit from the accountability that comes from tracking their finances publicly and the feedback of the four expert Certified Financial Planners (CFPs). For more information, read this introduction. Over the course of 2014, four Consumerism Commentary readers have shared their financial reports, exposing the results of their financial choices on a day-to-day basis. Each participant is paired with one of our Certified Financial Planners.
  • Black Friday Was a Bust

    Luke Landes
    1 Dec 2014 | 12:11 pm
    The National Retail Federation has admitted defeat. Sales over the past holiday weekend dropped 11% over Thanksgiving weekend in 2013 according to the organization in a press release yesterday. The organization reversed course after being highly positive about the prospects for shopping leading up to the announcement of the estimated figures. Shopping traffic for the weekend dropped 5% or 6%, depending on how you want to calculate it, compared to last year. The Federation tried to put a positive spin on the news. I avoided shopping this weekend, from Thanksgiving day through today, the…
  • Naked With Cash: Jake and Allie, October 2014

    Luke Landes
    30 Nov 2014 | 5:42 pm
    Naked With Cash is an ongoing series at Consumerism Commentary in which readers share their households’ finances with other readers. These participants benefit from the accountability that comes from tracking their finances publicly and the feedback of the four expert Certified Financial Planners (CFPs). For more information, read this introduction. This year, we have four participants who will share their financial reports, exposing the results of their financial choices. Each participant is paired with one of our Certified Financial Planners. The experts will provide insight and…
  • Why Socrates and Plato Are the Only Financial Gurus You Need

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

  • Giving To Charity - Three Questions To Ask Before You Write The Check

    Nancy Anderson
    21 Dec 2014 | 1:03 pm
    I remember one chilly winter morning when I was in San Francisco, sitting in the window of a cafe enjoying a warm cup of coffee. A homeless man sat on a box in front of the cafe with an empty coffee can in one hand and a sign that said “Please help” in the other.
  • Social Security Q&A: Which of My Ex's Record Can I Claim Divorced Spouse's Benefits on?

    Laurence Kotlikoff
    21 Dec 2014 | 6:00 am
    Today’s question asks how divorced spouse's benefits based on the record of one ex might compare to surviving divorced spouse's benefits based on another ex's record. The answer considers the likely relative amounts of these benefits compared to each other and to retirement benefits claimed on the worker's own record as well as the relative worth of the relevant earnings histories.
  • 3 "Evergreen" Tips to Reduce Family Financial Stress

    Neale Godfrey
    21 Dec 2014 | 4:44 am
    Don't let financial stress permeate your holiday celebration! This holiday season, have some constructive money conversations with your loved ones and alleviate any angst. You're guaranteed to have a much happier holiday and 2015 by following these three important tips to reduce family financial stress.
  • Social Security Q&A: What Are My Social Security and Medicare Options if I Work Past 66?

    Laurence Kotlikoff
    20 Dec 2014 | 6:00 am
    Today’s question asks, when continuing to work past full retirement age, what Social Security and Medicare options are available. The answer explains why signing up for Medicare earlier rather than later might be beneficial and then notes that the earnings test is not applied after full retirement age.
  • Obama Signs 2014 Tax Extenders: Money In Your Pocket

    Ashlea Ebeling
    19 Dec 2014 | 4:57 pm
    Individuals and businesses have cause to celebrate through year-end but come January 1, it’s tax law uncertainty once again.
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    Yahoo News - Latest News & Headlines

  • How President Obama unwinds

    22 Dec 2014 | 2:03 am
    Presidents have perhaps the most stressful job in the world. For Barack Obama, recharging his batteries requires a mix of golf, books, Nicorette — but most of all, time with his family.
  • Police departments on alert after cop killings

    21 Dec 2014 | 10:11 pm
    Officers are being warned to wear bulletproof vests and avoid inflammatory online posts.
  • Republicans weigh big changes at U.S. budget referee agency

    21 Dec 2014 | 10:07 pm
    By David Lawder WASHINGTON (Reuters) - When Republicans take full control of Congress on Jan. 6, they will face decisions on major changes at the Congressional Budget Office, including possibly naming a new head and changing the rules used to assess the cost of legislation. Conservative groups have been calling for the replacement of CBO Director Doug Elmendorf, who was appointed by Democrats in 2009 and whose term expires next month. ...
  • N. Korea threatens strikes on 'whole U.S. mainland'

    21 Dec 2014 | 8:25 pm
    Pyongyang accuses the U.S. of "recklessly" spreading rumors that it led an attack on Sony.
  • U.S. mulls putting N. Korea on terrorism sponsor list

    21 Dec 2014 | 8:09 pm
    HONOLULU (AP) — President Barack Obama says the United States is reviewing whether to put North Korea back on its list of state sponsors of terrorism as Washington decides how to respond to what he calls an "act of cybervandalism," not one of war, against a movie company.
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    My Money Blog

  • US Treasury Bonds Negative Correlation with Stocks

    Jonathan Ping
    21 Dec 2014 | 10:32 pm
    Here is an interesting chart comparing the correlation of various asset classes to the S&P 500 over the last 5 years. Chart is from Richard Bernstein Advisors, found via The Reformed Broker. A negative correlation between two asset classes means that they tend to move in opposite directions. While long-term US Treasury bonds have been the most strongly uncorrelated, it is also worth noting that intermediate-term US Treasuries (5-7 years) were nearly as uncorrelated. Of course, this is the past and correlations can and will change. Still, this would seem like good news for people who hold…
  • Free EPIX Movie Membership Trial

    Jonathan Ping
    21 Dec 2014 | 10:28 pm
    Movie streaming service EPIX and the NHL are giving away a free trial membership good until March 6, 2015. Only thing you really need is a working e-mail address; no credit card or personal information required. Won’t work on your TV, you’ll need an internet connection. Compatible with iPhone/iPad app, Android app, Chromecast, Roku, PS3, PS4, XBOX 360, and other streaming devices. Note: When logging in, under provider choose “Free NHL Trial”. If you already have Amazon Prime, you’ll see a lot of overlap as Amazon has a partnership agreement with EPIX. Otherwise,…
  • Ally Bank Savings Account Review

    Jonathan Ping
    18 Dec 2014 | 10:44 pm
    I’ve banked with Ally for years (checking, savings, and multiple CDs), but I’ve never done a specific review of their savings account until now. Ally has recently raised their rates to be closer to the rotating list of banks jockeying for top spot. The Ally Online Savings Account has no minimum balance, no monthly fees, and currently pays 0.99% APY (as of 12.19.14). Their interest rates may not be the absolute highest, but they have consistently been within 0.10% of the temporarily top banks, making it not worthwhile to move my money. (See my rate chaser calculator). Let’s…
  • Obihai FREE Monthly Home Phone Service; Get Started For $29.99

    Jonathan Ping
    17 Dec 2014 | 9:11 pm
    Updated: $29.99 with free shipping (40% off) for a limited-time. If you still have landline phone service and are looking for a cheaper alternative, Obihai is officially supported by Google: Obihai is excited to announce official support for Google Voice. With a Google Voice account and a companion OBi device you can make and receive VoIP calls on a regular telephone. To get started, just login to the OBiTALK website, add your OBi device and select Google Voice as your service. You’ll then confirm your account with Google, and within minutes, you will be making and receiving calls from the…
  • 20% off Gift Cards to Various Retailers & Restaurants

    Jonathan Ping
    17 Dec 2014 | 8:53 pm
    Amazon runs various temporary “Lightning Deals”, but if you filter to only show the Gift Card deals you’ll see a running list of gift cards to various retailers at 20% off for a limited time. Amazon Prime members get early access, but many of them don’t sell out and there is also a waitlist option. For Thursday, December 18th, the line-up includes Chilis/Maggianos/Romano’s Macaroni Grill, Dave & Busters, and AMC Theatres. Seems like an easy way to knock out some last-minute gifts at 20% off face value (i.e. , $20 for $25 gift card, or $40 for $50 gift card).
 
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    The Simple Dollar The Simple Dollar

  • What a Deal: Groupon for Essentials

    Holly Johnson
    21 Dec 2014 | 10:00 am
    Groupon may have a reputation for being frivolous, but you can use it to save money on pricey essentials, too — such as eye exams and prescription glasses. Photo: Franklin Heijnen It’s easy to dismiss Groupon as a service aimed at getting you to waste your hard-earned cash on frivolous splurges and bargains of questionable value. After all, some of the most popular Groupon deals are for things like buy-one-get-one-free restaurant meals, spa treatments, and vacation bundles. In other words, stuff you don’t need An article in The Atlantic echoed this sentiment by highlighting…
  • 32 Simple (and Free) Ways to Entertain Your Kids

    Allison Martin
    21 Dec 2014 | 5:00 am
    A bike ride at a park is one of many free ways to keep kids occupied. Photo: Pedro Ribiero Simoes Winter break is upon us, so you know what that means: last-minute holiday shopping, travel preparations, and children bouncing off the walls awaiting the arrival of Santa Claus. If you’ve already made arrangements for your little ones, kudos to you. The rest of us have to figure out ways to get a gang of tasks done in a limited amount of time, and keeping children entertained and out of the way is not always an easy feat. And if you’re crunched for cash or too busy to think outside the…
  • Small Business Saturday: Building a Brewery at Proclamation Ale Co.

    Mia Taylor
    20 Dec 2014 | 10:00 am
    Proclamation Ale Co. founder Dave Witham pours a beer in the brewery’s tasting room. Photo: Brad Smith For longtime musician Dave Witham, crafting beer at his new brewery, Proclamation Ale Co., is a creative process that’s equally, if not more, satisfying than making music. That doesn’t mean launching a nano brewery has been easy for the Rhode Island resident — or without its own long hours. But his new line of business has its perks. “It’s nice to do something creative that you’re getting rewarded for. Everyone wants to pay for beer,” says…
  • Twelve Strategies for Getting Food on the Table During a Money Crisis

    Trent Hamm
    20 Dec 2014 | 6:00 am
    One common question I hear from readers – and see on various personal finance message boards – goes something like this: Over the past few weeks, some sort of financial calamity has occurred in my life. As a result, I only have $10 or $20 that needs to last me until the end of the month. I have nothing in my cupboards. How can I eat for a week or two on just these few dollars? Lots of variations on this story pop up. Some people fall into this situation because of a job loss. Others simply mismanage their money so poorly that they wind up unable to pay their bills. Still others…
  • Seven Practical Gifts for College Students

    Kristen Kuchar
    19 Dec 2014 | 10:00 am
    You may be expecting to see the twins from “The Shining,” but it’s really a dorm hallway. Send your favorite college student back to school with a gift to brighten up such institutional living. Photo: Qusai Al Shidi The holiday season is well under way. If you’ve got someone on your list who’s headed to college next semester or already there, here are some practical suggestions to send them back to school with a smile: Gift cards. Funds are usually low in college, so a gift card is always welcome and generally a safe choice. You can opt for a gift card to a grocery…
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    Wise Bread

  • Best Money Tips: Things You Shouldn't Buy Until After Christmas

    Amy Lu
    19 Dec 2014 | 12:00 pm
    Welcome to Wise Bread's Best Money Tips Roundup! Today we found some great articles on things you shouldn't buy until after Christmas, ways to avoid overeating during the holidays, and things you need to stop doing when you work. Top 5 Articles 10 Things You Shouldn't Buy Until After Christmas...
  • Best Deals for Friday 12/19

    Amy Lu
    19 Dec 2014 | 10:33 am
    Link for teaser title:  http://www.wisebread.com/bestdeals/today Home Depot Overstock Sale: Up to 60% off, Men’s Apparel and Shoes at Nordstrom: Up to 65% off, Office Depot and...
  • How to Buy the Best Mattress for the Least Money

    Linsey Knerl
    19 Dec 2014 | 10:00 am
    If a house and a car are the two most important purchases in your life, a mattress makes a solid case as the third. (See also: How to Buy a Car Without Going Crazy) Without the right knowledge, a mattress purchase can also become like the other two — very expensive. So rest easy by checking...
  • 4 Money Resolutions You Should Skip This Year

    Damian Davila
    19 Dec 2014 | 8:00 am
    With 2015 just around the corner, it's time to plan ahead to set yourself up for success in the New Year. (See also: 10 Money Moves You Need to Make Before the End of the Year) However, not all money resolutions are good ones. Some of them might become an obstacle towards your financial wellbeing...
  • How One Inspiring Couple Paid Off $48,000 in 2.5 Years

    Alaina Tweddale
    19 Dec 2014 | 6:00 am
    It would be easy to assume Mark and Lauren Greutman were living the American Dream. They had a growing family and had just built a 3,200 square foot home in a lovely Charlotte suburb. They appeared to have it all. What friends and neighbors couldn't see from the outside, though, was the $42,000 in...
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    Bargaineering

  • Don’t let your savings go to the dogs … 6 tips to save on pet care

    Jodi Helmer
    22 Dec 2014 | 12:00 am
    Jodi HelmerYou love Rover and Whiskers but the cost of treating your furry friends like family adds up. From vet bills and pet meds to gourmet kibble, pet owners are expected to spend a whopping $58.5 billion on their four-legged charges this year, according to the American Pet Products Association. “There are many ways to save [...]Don’t let your savings go to the dogs … 6 tips to save on pet care from personal finance blog Bargaineering.com. This blog was posted by Jodi Helmer
  • Why I don’t bother with manufactured spending…Gaming credit card reward programs just isn’t worth it

    Amy Fontinelle
    15 Dec 2014 | 12:00 am
    Amy FontinelleDo you envy colleagues and friends who vacation for free thanks to all of the credit card reward points and cash rebates they’ve earned from work-related travel? Travel that doesn’t cost them a dime? Well, the proponents of “manufactured spending” would have you believe that you can enjoy similar rewards even if you spend eight [...]Why I don’t bother with manufactured spending…Gaming credit card reward programs just isn’t worth it from personal finance blog Bargaineering.com. This blog was posted by Amy Fontinelle
  • 5 sibling discounts you simply have to ask for

    Naomi Mannino
    7 Dec 2014 | 12:00 am
    Naomi ManninoHow would you like to pay thousands less for the most common big ticket kids’ expenses? If you have two or more kids, you’ll be surprised how many places have existing policies for sibling discounts, which can slash 10% to 25% off the stated cost for one or more of your children, depending on the [...]5 sibling discounts you simply have to ask for from personal finance blog Bargaineering.com. This blog was posted by Naomi Mannino
  • 6 costly credit cards to avoid

    Vanessa Richardson
    1 Dec 2014 | 12:00 am
    Vanessa RichardsonSky-high interest rates. Ridiculous fees. Piddling rewards and modest perks. That’s what makes these credit cards stand out to me. Let’s spend a few minutes looking at some of the most disappointing deals currently being foisted on unsuspecting consumers and consider what a more reasonable card might offer. Least Bang for Your Buck: Visa Black [...]6 costly credit cards to avoid from personal finance blog Bargaineering.com. This blog was posted by Vanessa Richardson
  • Asking me to tip the maids at high-end hotels is a lousy plan to fight poverty among women

    Jen A. Miller
    17 Nov 2014 | 12:00 am
    Jen A. MillerWhen you stay at a Marriott hotel this fall you’ll be asked to pay for more than just your room. The giant hotel chain wants you to start tipping its maids. Tip envelopes have been placed in 160,000 of its 700,000 guest rooms at Marriott, JW Marriott, Courtyard, Renaissance, Fairfield, TownePlace Suites and Springhill Suites [...]Asking me to tip the maids at high-end hotels is a lousy plan to fight poverty among women from personal finance blog Bargaineering.com. This blog was posted by Jen A. Miller
 
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    fivecentnickel.com

  • Twice the opportunity for holiday spending guilt

    Jeffrey Steele
    15 Dec 2014 | 12:00 am
    I ran into my old buddy Jake at the local outpost of a well-known, high-priced donut chain. I had just spent the better part of a sawbuck on a powdered donut hole and thimble of java when I noticed Jake seemed to be lacking his usual Christmas spirit. His brow was furrowed, and he looked worried and perplexed. I wasted no time asking him what in the name of sugarplum fairies was wrong. Didn’t he know this was the holly-jolly time of year for chestnuts roasting on open fires, one-horse open sleighs and stoplights blinking a bright red and green? “That’s it: It’s the…
  • How do you find happiness with money?

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

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

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

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

  • Walmart Holiday Store Hours for Christmas 2014

    Jeffrey Strain
    21 Dec 2014 | 1:10 pm
    There are quite a few consumers who leave their holiday Christmas shopping to the last minute. A walmart study on the top reasons why these shoppers procrastinate on their holiday shopping found 40% were too busy with other holiday season … Continue reading →
  • Macy’s Christmas Store Hours 2014

    Jeffrey Strain
    21 Dec 2014 | 7:28 am
    There are a lot of people who don’t get all their Christmas shopping done in time, and retail stores know that. To help these last-minute shoppers, many retail stores are extending their store hours in the days before Christmas (although … Continue reading →
  • Are Banks and Credit Unions Open or Closed on Christmas Eve 2014?

    Jeffrey Strain
    21 Dec 2014 | 5:42 am
    With the holiday season upon us, and Christmas just around the corner, many people are wondering when banks will be open, and when they’ll be closed so they have enough money for the holidays. There’s a bank holiday schedule for … Continue reading →
  • Target Christmas Store Hours 2014

    Jeffrey Strain
    21 Dec 2014 | 4:52 am
    If you are one of the many who is a last-minute Christmas gift shopper, retail stores are extending their holiday hours with you in mind. While most stores will be closed on Christmas Day, many are significantly extending their holiday … Continue reading →
  • Nearly Half of States Have Gas Selling for Less Than $2 a Gallon

    Jeffrey Strain
    20 Dec 2014 | 2:28 pm
    It’s turning into a very happy holiday season for consumers who drive a lot. Gasoline prices continue to fall as oil prices do the same, and the price for a gallon of the liquid gold is far from golden prices. … Continue reading →
 
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    Mighty Bargain Hunter

  • A better metric for comparing products on Amazon

    John Wedding
    18 Dec 2014 | 9:37 pm
    A few weeks ago, my PC of a number of years began warning me to replace my hard disk drive soon. That in itself is pretty cool. (Not that my disk drive was failing, but that the operating system warned me before it actually did!) Rather than replace the hard drive, I opted for an updated computer.  I have a daughter entering her teen years faster than I’d like, and I want to postpone her passing me with the tech as long as possible. Customer Reviews:  More than meets the eye As with most things on Amazon, there are choices.  Boy are there choices!  After doing a small bit of…
  • Black Friday 2014 hits the rebate sites!

    John Wedding
    28 Nov 2014 | 2:16 am
    In-store fights on Black Friday are becoming as much tradition as Thanksgiving. Does the thought of scrapping it out with a stranger over a $9.99 DVD player appeal to you? Me neither. Thankfully, no one is going to reach into their computer to overturn your Amazon shopping cart or sever your internet connection.  I’ve managed to stay out of the malls and big stores for a few years now, and I can’t say that I miss the craziness! Remember to click through to spend less! A hefty chunk of my email from businesses the past couple of weeks has been Black Friday and Cyber Monday…
  • Want to make tons of money? Two keys

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

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

    John Wedding
    27 Oct 2014 | 7:34 pm
    My business credit card expires at the end of this month. I had had my brand-spanking-new one on my desk for over a month, and finally activated the card this month. Credit cards expire (and renew) for a number of good business reasons: Fraud protection.  Stolen or cracked numbers on an expired card are worthless. Re-evaluation of creditworthiness.  Just like car insurance companies only extend insurance for a set period of time, credit card issuers only extend credit for a set period of time.  An expiring card gives them the opportunity to adjust some (but not all) parameters on your…
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    7million7years

  • The One Sign You Will Be Rich?

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

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

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

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

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

  • So About that Russian ETF Thing…

    Lazy Man
    17 Dec 2014 | 7:37 am
    Over the past 8 years, I've made a lot of calls here. Some have turned out very good (buying Facebook stock under $20) and some not so good. Then there's a whole other level that's 5 miles below the not-so-good, that's downright ugly. It's not always to admit it, but sometimes I just have to count how many eggs I can fit on my face. In early August I made a case that now might be the time to invest in Russian ETFs. The ETF that I suggested was Ticker:RSX. It is is only down 40% since I wrote about it. I invested in it too, but not that much. Yep, so that's a 40% loss of money. I feel like I…
  • Time to Start Buying Oil?

    Lazy Man
    15 Dec 2014 | 11:13 am
    I hope your holiday season is going well. If it's anything like mine, it is busy, busy, busy. That's why you've seen fewer articles than usual here. I'm also trying to take advantage of the low expectations of the holiday season to reflect on the things that are really important. In November, the family slipped away to Aruba for two weeks. I've written about our timeshare and how to wave money in Aruba not just that once, but twice. I'm still not sure if Marriott Vacation Club is a scam, ripoff, or neither. We recharged just in time to head into the busy Thanksgiving weekend. I've seen…
  • Lazy Man’s 2014 Holiday Gift Guide

    Lazy Man
    11 Dec 2014 | 11:39 am
    For years now I've done gift guides around this time of year. I always hope to get them out earlier, but much like my Christmas shopping, it seems to drag on until just about the last minute. When I first started creating gift guides, I struggled with whether to recommend the $400 GPS or the $2000 42" "flat-panel" television (remember when called them that?). It's a lot of money. For a website focused on growing your money for financial freedom, buying technology is difficult to recommend. It's an immediate step backwards towards the goal. However, I recommended them anyway, because I…
  • How to Get Clean, Purified Water (at The Best Price)

    Lazy Man
    9 Dec 2014 | 12:18 pm
    Normally, I'd have my holiday gift guide ready for readers today. However, I've been sucked into drama on my "Is Home Depot’s Water Test from RainSoft a Scam?" article from almost 18 months ago. If you stick through this, I'll give you details on a great, unrelated deal that's 65% off of what I personally paid for the service... (or you can just scroll to the bottom, I'll never know the difference.) Regular readers know that I often write about multi-level marketing (MLM) and the scams there, but this non-MLM topic has exploded to almost 150 comments now. In at least three cases, I've had…
  • Odds and Ends – 12/4/2014

    Lazy Man
    5 Dec 2014 | 8:03 am
    I thought I'd try something new today. It's an article of a few things I've been thinking lately. Each of these are a little too long for Twitter, but not long enough to be their own article. So let's dig in: Money Magazine's December 2014 I love Money magazine and it is often inspires my articles. The latest issue almost seemed to have our roles reversed. I couldn't help, but notice that their X-Ray stock was Yahoo. It makes the point that Yahoo's ownership of Alibaba accounts for 90% of its value... meaning that Yahoo's core business is worth very little. They make the point that it is 2%…
 
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    No Credit Needed

  • How To Save Money In The Kitchen

    NCN
    20 Dec 2014 | 9:17 pm
    I am a big fan of using a combination of coupons and a grocery price-book to save money when buying groceries.  I am also a big fan of saving money in the kitchen, after those groceries have been purchased.  Here’s how to save money in the kitchen – and minimize those costly trips to the grocery store. These tips work for our busy family of 5.  There are no professional organizers in this bunch! In the refrigerator - Keep things neat and tidy.  It’s easy to forget what you have if you can’t see it. Prep fruits and vegetables.  We have kids – and kids like…
  • DIY Distressed Wood Mantel – Get The Rustic Look For Less

    NCN
    18 Dec 2014 | 11:18 am
    I am a huge fan of DIY projects – especially DIY projects that save me money.  Brian from the The Wildman Project youtube channel created this awesome DIY Distressed Wood Mantel and it looks great. He was able to create the look of distressed wood, with just a few tools and some lumber from a big-box store.  Awesome. If you are interested in tackling a similar project, I have included links and a materials list below the video. Brian uses a belt sander in the video.  I don’t have one of those – so I used a random orbital sander.  I simply held it at a slight angle to the…
  • A Plan To Increase Our Savings Account Balance

    NCN
    17 Dec 2014 | 4:13 pm
    At one time – after getting out of debt and before we purchased our new home – we had enough cash in our savings account for six months’ worth of expenses.  We dipped into our savings account when we purchased our home, to purchase new appliances and some furniture. The time has come to rebuild our savings account balance.  We have created the following plan to increase our savings: We set a goal. Our goal is to stash six months’ worth of expenses in our savings account.  We took a look at our budget, removed any obvious unnecessary categories, and then used that…
  • Stores That Offer Free Or Discounted Prescription Drugs

    NCN
    16 Dec 2014 | 6:04 pm
    Check out this updated list of stores and pharmacies that offer free or discounted prescription drugs.  Save money on your prescriptions.  List updated once a month.  Last updated December 17, 2014. Click the links to view information about each store’s discount prescription drug program – Free Medications - Publix – free antibiotics plus Amlodipine, Lisinopril, and Metformin Meijer – free antibiotics plus prenatal vitamins, Metformin,  and Atorvastatin Calcium Free Antibiotics - Giant Eagle – free antibiotics Harris Teeter – free antibiotics Discounted…
  • DIY Week – Budget Friendly Tools

    NCN
    15 Dec 2014 | 8:05 pm
    I’ve recently added following inexpensive, budget friendly tools to my DIY arsenal.  They’re great for projects around the house and basic woodworking.  They are inexpensive – but not cheap – and they help me get the job done. My favorite new toy tool for the year is the Kreg R3 Jr. Pocket Hole Jig System.  I’ve used it several times this year – to make a shelving unit for my daughter’s room, to build a small table for a family member, and to join the legs on my shop bench. The Pocket Jig allows for the drilling of pocket holes, which then accept…
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    Blogger Terkutuk

  • [Lucu] Rumah Buatan untuk Kucing

    Aldi Dwi Ferdian
    30 Nov 2014 | 5:42 am
    Telah terdapat rancangan rumah mainan yang ramah lingkungan untuk kucing. Rumah mainan ini dibuat untuk memenuhi kebutuhan biologis kucing yaitu untuk menyendiri dan untuk mengamati lingkungan mereka tanpa membuatnya terganggu Rumah mainan yang modern selain menjadi mainan kucing juga bisa menjadi dekorasi rumah. Rumah mainan ini terbuat dari kertas karton, bahan favorit kucing selain itu setiap rumah dilengkapi dengan Papan gores yang sangat disukai kucing Hal ini membuat kucing-kucing bahagia. Rumah mainan kucing  Ini dia bentuk rumah mainan untuk kucing.Bisa…
  • [Keren] Ada Sebuah Rumah Sakit Kelelawar di Australia

    Aldi Dwi Ferdian
    30 Nov 2014 | 4:53 am
    Jika kamu berpikir bahwa kelelawar itu menakutkan maka kamu salah. Kelelawar yang terbengkalai diurus oleh Rumah Sakit Bat Tolga di Atherton Australia merupakan bukti bahwa kelelawar bayi bisa sama menggemaskan seperti anak kucing ataupun anak anjing. Anak kelelawar di Rumah Sakit Bat Tolga di Atherton ini dibawa ketika mereka terkena kelumpuhan atau ketika ibu mereka telah meninggal atau terlalu sakit untuk memberi makan mereka. Secara sukarela pihak rumah sakit merawat anak kelelawar sampai ia kembali sehat dan dapat dilepaskan ke alam liar Rumah sakit ini juga berfungsi…
  • [KONYOL] Ini Dia Tingkah Para Orang Tua Labil Yang Membahayakan Si Buah Hati

    Aldi Dwi Ferdian
    30 Nov 2014 | 3:26 am
    Kita semua tahu disini bahwa manusia dalah tempatnya alah. Semua orang pasti mempunyai kesalahan di kehidupan ini. Tapi coba lihat para orang tua ini mungkin mereka sedikit lelah dengan kehidupan sehingga mengesampingkan anak-anak mereka dan membuat si anak dalam situasi berbahaya yang dapat mengancam jiwa si anak. Apa yang orang tua ini lakukan pada anak-anak mereka adalah tindakan sangat konyol dan bisa jadi kalau anak-anak mereka melihat foto-foto ini di kemudian hari  mereka tidak akan  memaafkan orang tua mereka tapi kalau kita cermati mendalam foto-foto ini akan terlihat hal…
  • [Unik] 10 Hewan dengan Rambut yang Menakjubkan

    Aldi Dwi Ferdian
    30 Nov 2014 | 2:42 am
    Hewan-hewan ini memiliki jenis, banyak atau panjang rambut yang membuat mereka terlihat luar biasa. Sebagian besar hewan dalam daftar ini, memiliki rambut yang panjang atau bulu yang telah berevolusi sebagai cara untuk mengatasi kedinginan. Yang lainnya memang dibiakkan untuk memiliki rambut yang panjang. Beberapa hewan di antaranya bahkan tidak mampu bertahan di alam liar karena bulu yan menakjubkan tersebut seperti kelinci Angora). 1. Kambing berbulu halus Bulu kambing ini seperti bulu kucing, hihi..2. Kelinci anggoraGak nyangka kalau hewan dengan bulu lebat ini kelinci. Kelinci memang…
  • Suka Duka Pacaran dengan Teman Satu Kelas di Kampus

    Aldi Dwi Ferdian
    30 Nov 2014 | 12:41 am
    Kampus bukan lagi menjadi tempat yang membosankan sekarang ini. Terutama untuk mereka yang punya pacar sekampus dan di kelas yang sama pula. Hmm�seperti apa ya rasanya punya pacar yang satu kelas dengan kita di kampus? Pasti senang banget ya bisa ketemu setiap hari. Tapi jangan salah�bukan senang saja, ternyata ada nggak enaknya juga lho punya pacar satu kelas. Apa saja ya? Cari tahu yuk!Bertemu setiap hariIni sih keuntungan yang pasti didapat kalau kamu pacaran dengan teman sekelasmu di kampus. Nggak perlu repot-repot janjian di luar, di dalam kelas saja kamu bisa bertemu dia. Tapi ingat…
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    Free From Broke

  • What Are Your Kids Gift Expectations?

    Glen Craig
    19 Dec 2014 | 3:41 am
    I hear some people complain that they have to buy expensive things for their kids because it’s what they (the kids) expect. Some don’t know what they are going to do this holiday season as times are getting tight.   How are we going to get little Johnny the latest (insert expensive popular toy here)?!? Here’s what I say – Don’t!! Where do your kids get their expectations from?  Do they get them from friends?  From television?  Those are influences but not the real source. Children get their expectations from their parents!! You, the parent, the adult in the…
  • Give a Smile to the Kids on Your List – Top Holiday Gifts Under $75 for Kids – 2014

    Melissa
    18 Dec 2014 | 5:02 am
    The holiday shopping season is upon us.  Now is the time to find the perfect present for those special people on your list. While there are plenty of ideas for gifts under $25, we recognize that sometimes a $25 present isn’t going to cut it. For kids in your family, a gift of $75 or under may pack more return (and excitement) than a smaller gift. With that in mind, we’ve compiled a list of presents under $75 that will thrill every child on your list, from baby to teen. Keep in mind that with sales, you can nab many of these items for less than their retail price.  Amazon,…
  • 6 Personal Finance Books to Give for the Holidays (or Read Yourself)

    Glen Craig
    16 Dec 2014 | 3:38 am
    It feels good to give, doesn’t it? But most of the things we tend to give to family and friends have a short-term effect.  They get a gift, consume it, and then it’s on to the next thing. That’s cool and all but would it be great to give a gift that could really impact a person’s life?   When I started getting my head straight about my personal finances books were the place to go.  The internet didn’t have as many useful sites about the subject. But you know what?  Even with all of the information out there I still turn to books for information. Below are…
  • How to Rein in Your Holiday Spending – 7 Ways

    Melissa
    12 Dec 2014 | 3:42 am
    “‘Tis the season to be jolly,” goes the old song, but for many of us, ’tis the season to go in debt and feel financial strain. You might have thought that the days of resisting peer pressure ended in high school.  However, if everyone around you is spending elaborately for the holidays–for presents, decorating, and parties–you may feel the pressure to do the same, which can pack a painful punch to your wallet. There is nothing worse than the holiday spending hangover that hits in January when you get that large credit card bill. However, every December…
  • OptionsHouse – It’s Not Just About Options

    Kevin Mercadante
    10 Dec 2014 | 3:48 am
    As the bull market marches relentlessly on, investors are spreading their investment wings, expanding in to different and often uncharted asset vehicles as they gain confidence in the strength of the markets and in their own ability to trade. One of the fastest growing investment niches is options trading.  And one of the best platforms available to trade in them is OptionsHouse. And even if you don’t want to trade options, OptionsHouse it a pretty solid platform to trade more conventional assets, like stocks and mutual funds. Keep reading and find out what OptionsHouse is all about and if…
 
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    Blogging Away Debt

  • Ashley’s December Debt Update

    Ashley
    19 Dec 2014 | 5:00 am
    Wow! That is all I can say. Check this out… PlaceCurrent BalanceAPRLast Payment MadeLast Payment Date (original debt, March 2014) Capital One CC17.9%Paid off in March ($413) Mattress Firm0%Paid off in May ($1381) Wells Fargo CC13.65%Paid off in May ($7697) BoA CC7.24%Paid off in June ($2220) License Fees$27232.5%250*December ($5808) PenFed Car Loan$169412.49%1400December ($24040) Navient - Federal Student Loans$44228.25%16December ($4687) Navient - Dept of Ed$720568.25-6.55%260December ($69191) ACS Student Loans$210407.24%77November ($21035) Medical Bills$64850%75December ($9000)…
  • Teacher Gifts

    Ashley
    18 Dec 2014 | 5:00 am
    I swear this will be the LAST post I write about teacher gifts (well….at least for this year, lol). I just wanted to show you the final product of what I gave to our kids’ teachers this year for Christmas (or Hanukkah, being as our girls go to the Jewish Community Center for preschool). Each teacher received 3 things: 1. A “card” (i.e., construction paper) that said “Thank you Miss [Teacher]! Love Brooke and Bailey”, which the girls colored and decorated with stickers. cost = $0 (all of these supplies were things we had on-hand) 2. A Happy Holiday card from…
  • So Grateful – Short Term Loss of Income

    Hope
    17 Dec 2014 | 11:12 am
    There has been a change in my expected income for the foreseeable future. I certainly hope it’s for the short term, but to be honest, all it’s led to is a flooding of gratefulness. Yesterday afternoon, my ex-husband called me and simply asked…”Will you be able to get my babies (our two kids) something for Christmas?” I knew where he was coming from, I knew he was struggling financially. And upon my assurance that our kids are well taken care of and want for nothing, he broke down in tears. For all drama in our marriage and continued relationship because of our…
  • The Car

    Hope
    17 Dec 2014 | 9:07 am
    So I’m here for your advice today. We’ve had our van listed for sale for almost 4 months now, I believe, minus that month it was in the shop was being rear-ended. And while I’ve gotten a few inquiries, but nothing really solid. Then this week, I had a super low ball offer…like 33% less then what I’m asking…no thank you! Being a commercial vehicle, it’s harder to place a value on it so I went to my bank and asked their help. They valued it at about $25K. I own right at $27K. So here’s the question…do I continue to list it for sale and just…
  • So much to do, so little time….

    Ashley
    16 Dec 2014 | 1:01 pm
    Story of our lives, am I right? But especially during the holidays + with pending trip to prepare for. There are so many “to do’s” that I’m trying to get taken care of! I have several posts planned in my head that I haven’t been able to get down on paper yet: Discussing our emergency fund, how its been impacted by recent overages, and plans for the future Assessing 2014 spending and projections/plans for 2015 December debt update Roadtrip preparations (and what we’re doing different this time around) …and on, and on, and on. But time is short so those…
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    Clever Dude Personal Finance & Money

  • The Things We Do To Save Money

    Brock
    22 Dec 2014 | 2:00 am
    Image courtesy of stockimages at FreeDigitalPhotos.net People do some crazy things to save money. I’ve never thought of one of those people. But my perception of myself may have to change after this past weekend. On Friday night I mentioned to my wife that the next morning I was going to brave the craziness of the mall on the weekend before Christmas to pick up one of the very few gifts that I wasn’t able to purchase online. Somehow, my wife talked me into stopping at Bath and Body Works to pick up some items she wanted, stating she had a coupon that was about to expire. She…
  • Clever Posts Of The Week – December 19th

    Brock
    19 Dec 2014 | 6:47 am
    Two things this Friday before we get to my favorite posts of the week, Clever Friends. First, I’m honored to have had a guest post over at Prairie Eco Thrifter this week entitled How Do You Handle Increasing Expenses?  Check it out and let me know what you think. Second, as promised, is my online shopping update.  So far, ZERO gifts have been purchased at a brick and mortar store: As of last week I had purchased these items online: Pendant and Necklace with Swarovski crystal Elements for my wife through something called SweetJack – which is kind of a groupon, deal site. SnuggBuds…
  • 3 Steps To Get Through Christmas Shopping Crunch Time

    Brock
    17 Dec 2014 | 2:28 am
    Image courtesy of photostock at FreeDigitalPhotos.net With about a week left before Christmas,we have officially entered crunch time for those of us that have not finished our shopping. It’s not so much that I haven’t executed my gift buying plan for my immediate family to perfection, because I have. I am literally just waiting for all the packages to show up on my front doorstep. However, this is the time when I realize everything I had forgotten. We’re getting together with my parents, brother and his family on Christmas Day which means a gift exchange. What about…
  • How I’m Using Jeans To Teach My Son About Finances

    Brock
    15 Dec 2014 | 2:26 am
    Image courtesy of John Kasawa at FreeDigitalPhotos.net My son is extremely picky about his jeans. I dread going shopping for new jeans with him, because he will pick out, try on, and approve jeans, but then decide somewhere down the road that he no longer likes them. One year I simply gave up and he wore shorts and warm up pants through the entirety of a Midwest Winter. This year, I thought we finally had found the solution. While shopping in August, we had a very frank discussion regarding brand names, and what jeans he preferred. As an adult that cares nothing about brand names I find it a…
  • Clever Posts Of The Week – December 12th

    Brock
    12 Dec 2014 | 6:40 am
    Happy Fa, La, La, La, Friday my Clever Friends. I’m fully in the Christmas spirit and have been taking some nice bites out of my shopping.  All online of course as per my shopping challenge.  Here are the things that I purchased this week (shhhhh, nobody tell my family this is online!): Pendant and Necklace with Swarovski crystal Elements for my wife through something called SweetJack – which kind of a groupon, deal site. SnuggBuds earbuds for my son Computer Desk from Ikea I’ve got more ideas and more ordering to do this weekend! I have yet to step into a brick and mortar…
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    Don't Mess With Taxes

  • Congress gets low marks for honesty, ethical behavior

    skbell1
    21 Dec 2014 | 3:02 pm
    Now this is more like what I expected. I was shocked when a Gallup poll showed that the public perception of how Congress did its job in 2014 went up by 1 percentage point from the previous year. Really? Representatives and Senators found that many more relatives to talk them up? But this latest Gallup poll is a bit more believable. Congress comes in dead last when it comes to professions known for honesty and ethical behavior. Only 7 percent of people Gallup polled in early December rated members of Congress as being honest of having high or very high ethical standards. That's one point…
  • The blankety-blank IRS!

    skbell1
    20 Dec 2014 | 2:29 pm
    It's the time of year when most folks are on their best behavior. After all, Santa Claus is coming to town and he knows if you've been bad or good, so be good for goodness sake! That includes, as every mother's child knows (pardon my mixing of Christmas carols), not using foul language. Some folks, however, can't resist talking a blue streak when it comes to the Internal Revenue Service. It's not just the random cursing we hear each filing season as folks struggle to fill out their annual tax forms. Salty language pops up whenever the IRS asks the public for comments…
  • IRS wants to help you find a qualified tax preparer

    skbell1
    19 Dec 2014 | 10:35 am
    Yes, it's the holiday season. Christmas is less than a week away, and you've got a house to clean, meals to plan and cook and gifts to buy. But you also need to think about some year-end tax moves. You probably checked out the 10 tax tasks to take care of by Dec. 31 that appeared a few weeks ago as a Weekly Tax Tip. Thanks. Now here's my gift to you, an 11th tax move. Hire a tax professional. True, this isn't one you necessarily need to do by year's end. But you do need to think about hiring tax help sooner rather than later. Good tax professionals' schedules…
  • Good news: the 2015 tax-filing season will start on timeBad news: It will be pretty miserable for IRS and taxpayers

    skbell1
    18 Dec 2014 | 3:32 pm
    Well, well, well. I'm going to pull my crystal ball (yes, that's it pictured there) out of storage and dust it off. It seems like I've got a bit of my predictive mojo back. That hasn't been the case very much in recent years, at least not where the U.S. Congress is involved. Remember the estate tax? Nobody, including me, thought those fools lawmakers would let it expire at the end of 2009. But they did. And they took us over the fiscal cliff, albeit only for a couple of days. Still, logical people, who are most folks who don't work on Capitol Hill, didn't think…
  • No Happy New (Tax) Year for IRS employees or taxpayers

    skbell1
    18 Dec 2014 | 11:40 am
    Even if the IRS can get the 2015 filing season started on time, which despite my optimism is still questionable given the late passage of the 2014-only tax extenders, next year's full filing season is likely to be a rocky one for both Internal Revenue Service employees and taxpayers. The main reason for potential problems? Not enough workers at the IRS. The IRS employees who are there are it. The agency is freezing new hires. And the workers who are there will be asked to do their jobs only within the 40-hour work week because the IRS will halt most overtime pay. This means that the IRS…
 
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    Money Smart Life

  • 15 Career Lessons from a Soccer Dad

    Ben Edwards
    17 Dec 2014 | 3:13 am
    Career tips are easy to come by but not always easy to follow. Here are some I’ve learned over the last several months from a motley crew of 8 year old boys – if they can do it, so can you! It all began last summer when I ran the tryouts for my son’s youth soccer team. As part of my mission to live with no regrets I had agreed to be an assistant coach for his team in the upcoming Fall season. Little did I know what I was getting myself into! As I threw myself into this new role it ended up turning into a side job (unpaid of course). I don’t know how many hours a week I spent on it…
  • The Money Habits You Develop in Your 20s Will Help OR Hurt You For the Rest of Your Life

    Kevin Mercadante
    1 Dec 2014 | 9:12 pm
    Have you ever heard the saying as the twig is bent, so grows the tree? That’s kind of how it is when it comes to money and finances. The money habits you develope in your 20s will help or hurt you for the rest of your life. What’s more, you have a very large degree of control over how it all turns out. Like so many other decisions that you make early in life, the choices that you make when it comes to money in your 20s will have a huge impact on the rest of your life. Since financial situations develop over many years – often decades – the patterns that you set in your 20s will…
  • How to Improve Your Credit Score by Focusing on Payment History and Reducing Credit Card Debt

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

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

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

  • 3 Ways to Stop Being Your Own Financial Enemy

    Ashley Eneriz
    20 Dec 2014 | 9:00 am
    During a recent family outing for dinner (thanks to a free birthday coupon), a man approached us asking us for change so he can get something to eat for the night. I told him I didn’t have any change, but I would buy him a meal at Rubios, since that’s where we were going. Surprisingly, the man told me he would rather eat at Panda Express and went on his way. How ironic for someone to be in need and hungry, yet be so picky. Even though I laughed at that situation, I can’t help but realize that many of us, especially myself, are in the same mindset when it comes to our finances. I…
  • How Often Should You Switch Jobs? What to Consider Before Quitting

    Jessica Sommerfield
    19 Dec 2014 | 5:00 am
    Longevity in your job position or career has always been applauded as a sign of stability and loyalty. Among the younger generation, however, this is not the trend. Pasycale.com recently conducted surveys among older Boomer generation workers and Millennials to compare their approaches to “job hopping”, and found that while nearly half of Baby Boomers felt that they should stay in a position a minimum of five years, a mere 13% of Millennials agreed with this figure. In fact, a significant percentage of Millennials don’t think they should be expected to keep the same job for…
  • Forget Motivation, This is the Key to Achieving Your Goals This Year

    Travis Pizel
    18 Dec 2014 | 5:00 am
    Soon it will be the beginning of a new year, and everyone will be setting goals they want to achieve during 2015. Health clubs everywhere will be overrun with new people looking to join, and existing members that haven’t found their way through the doors in months. January 1st is a line in the sand that provides us with a fresh start, and the motivation to take a run at losing a little weight, and getting in better physical condition. By the end of month, however, the club will look much like it did in December. Why? What’s the difference between how we feel at the beginning of…
  • How Your Relationship with Money Affects Spending and Earning

    Melanie Lockert
    17 Dec 2014 | 5:00 am
    Money is such a complicated subject because there are so many emotions around it. Most of the decisions we make concerning it are personal, and therefore affect us in a personal way. The way we view money is influenced by our upbringing, culture, family, friends, and relationships. Our past directly relates to our money mindset and our ability to conceive what money can and cannot do. For most of my life, I grew up thinking that money wasn’t very special. I didn’t go as far to say it was the root of all evil, but I did adopt several money mindsets that I’m dealing with today. For one,…
  • Debt Consolidation: Should You Choose a Balance Transfer or Personal Loan?

    Miranda Marquit
    16 Dec 2014 | 5:00 am
    One of the ways to successfully manage your debt, and create a pay down plan, is to make use of a debt consolidation loan. It’s always important to carefully consider your options, and be careful when using debt to pay off other debt. However, if you plan properly, and are careful to practice discipline, a balance transfer or a personal loan can be a good way to consolidate debt and make it easier to pay off. But which one is the better option? Should you only use one, or both as a way to get out of debt faster? Jocelyn Baird, from NextAdvisor.com, points out that choosing the right…
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    Money Blue Book

  • This holiday season, say no to store credit cards

    9 Dec 2014 | 4:42 pm
    I'm such a nostalgia junkie. Even now I'm an adult (allegedly), I can't help but overlay the hell that is getting through holiday preparations with precious childhood memories. There were happy songs on the radio. There was no pressure to judge gorgeously gaudy decorations through the prism of taste [...]
  • Building a better brown-bag lunch

    2 Dec 2014 | 2:57 pm
    If you're anything like me, it's hard enough finding your way to the coffee pot in the morning -- let alone making a plan for a healthy and delicious lunch. As a result, it's easy to fall into bad habits. Takeout and frozen meals may be fast and convenient, but they aren't necessarily the best choic [...]
  • 4 affordable US cities with great dining

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

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

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

  • Falling Oil Prices a Boon to Families Heating Their Homes With Oil

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

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

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

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

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

  • DR 139: 3% Mortgages Are Back – Is This a Good Thing?

    Rob Berger
    17 Dec 2014 | 1:25 pm
    The 3% mortgage is back. After years of turmoil in the housing market and recriminations on whose to blame, the low down payment mortgage has surfaced again. The 3% mortgage will mean more flexibility for homebuyers, and in some cases, for those looking to refinance as well. Until now, borrowers had a choice between conventional loans, with a minimum 5% down payment requirement, or FHA loans, with a down payment requirement of 3.5%. All that changed on December 8th, when Fannie Mae (“FNMA”) announced the roll out of their MyCommunityMortgage, and Federal Home Loan Mortgage…
  • DR 138: Interview with WealthFront CEO, Adam Nash

    Rob Berger
    16 Dec 2014 | 7:35 am
    Wealthfront is the largest and fastest growing automated investment service, with over $1.6 billion under management. And it all happened in just three years! I had a chance to interview Wealthfront CEO, Adam Nash. He shares his insights on the platform, and on investing in general. His educational background is in software and design, but he’s had a passion for investing for years. He’s worked at major companies like Apple, eBay and Linked In, and is now working to add the many benefits of technology to investing at Wealthfront. We cover a wide range of issues. For example, Adam talks…
  • DR 137: Interview with Todd Tresidder, a Former Hedge Fund Partner Who Retired at 35

    Rob Berger
    15 Dec 2014 | 4:29 am
    When people talk about early retirement, they often mean at 50 or 55 – and sometimes as early as 45. But today’s podcast interview is with Todd Tresidder, a fascinating guy who managed to get out of the rat race at 35. I interviewed Todd about his life before retirement, what he’s been doing since, and what others can learn from his experience. Todd has been retired now for 18 years, and now blogs from FinancialMentor.com where he shares his ideas and insights on retirement and investing – which are also the primary topics of our interview. Todd takes a radically different…
  • Retirement Calculator: Are you on track to retire?

    Rob Berger
    13 Dec 2014 | 6:46 am
    It’s one of the hardest questions to answer in all of personal finance. Are you on track to retire? To help you answer that question, the folks at Personal Capital have just released a free retirement calculator. Give it a try and let me know what you think in the comments below. The post Retirement Calculator: Are you on track to retire? appeared first on The Dough Roller.
  • DR 136: 5 Reasons Robo Advisors are Worth the Cost

    Rob Berger
    12 Dec 2014 | 5:21 am
    As robo advisers grow in assets under management, more people are beginning to ask if using one is the right strategy. My last podcast on robo-advisors brought this email from a reader named Steve: The other timely podcast was the robo-advisor one. I’m in the process of helping my mom move her accounts from Morgan Stanley over to Vanguard where I’ll be managing them for her. Meanwhile, my IRA and taxable accounts are all at Betterment. It’s always in the back of my mind whether I should be paying the 15 basis points or moving my money to Vanguard. The end of your podcast…
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    Moolanomy Personal Finance

  • Best Banks with the Highest Interest Rate for Savings Account

    Pinyo
    20 Dec 2014 | 5:00 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 Preparation Tips to Buy and Sell a Home Simultaneously

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

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

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

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

  • CardCash.com Review: Buy Sell Discounted Gift Cards

    Hu$tler
    20 Dec 2014 | 3:50 pm
    Looking to save more on Gift Cards for Abercrombie, Lowe’s, Petco, and Sears from CardCash? Make sure to use promo code HOLIDAY5 at CardCash.com to get heavily discounted gift cards with free shipping for an additional 5% off! Just go to your shopping cart and use the code above to receive the additional discount off. There is a $20 minimum purchase in order to checkout. Prices After Additional 5% Off Discount: Abercrombie: 6% Off Buca di Beppo: 23% Off Lowes: 11% Off Petco: 21% Off Sears: 9.5% Off American Express Gift Card: Make gift shopping easy this year. An American Express® Gift…
  • Signature Bank of Georgia Review: $200 Referral Bonus

    Hu$tler
    20 Dec 2014 | 1:37 pm
    For members of Signature Bank of Georgia, you can refer your friends and family for a $200 bonus both consumer and business account plus they will also get a $200 bonus. Located in Sandy Springs, Georgia, Signature Bank offers personalized banking with no comparison. Both new customer and referrer customer get $200 each upon opening a qualifying account when opening a qualifying consumer or business account. For $200 Consumer Bonus Referral: Present the referral voucher ID upon opening a new Signature Personal Plus Checking account. Deposit $100 or more within 5 business days of account…
  • BMI Federal Credit Union $200 Bonus

    Hu$tler
    20 Dec 2014 | 11:45 am
    For residents of Ohio, simply join Battelle Memorial Institute (BMI) Federal Credit Union using promo code AD200 and meet all new account and promotional requirements, you can earn a $200 bonus. This offer expires December 31, 2014. How to Receive Your $200 Bonus: Stop by a branch office location, apply online, or call the BMI FCU contact center at 614-707-4000 and use promotion code AD200 to sign up for a new membership and open a new account. ALL of he following requirements must be met in the first 60 days after the account is opened: Open and deposit $20.00 into a new free checking…
  • Chase British Airways Visa Signature Review

    Hu$tler
    20 Dec 2014 | 6:50 am
    Now with no annual fee for the first year($95 afterwards), sign up for the British Airways Visa Signature® Card to earn 50,000 BONUS AVIOS after you make $2,000 in purchases in the first 3 months of account opening! Earn Avios with every purchase then use your bonus Avios towards rewards flights. No foreign transaction fee when you make purchases abroad. You will also get 2.5 Avios for every $1 spent on British Airways purchases and 1.25 Avios for every $1 spent on all other purchases. Every calendar year you make $30,000 in purchases on your British Airways Visa card, you’ll earn a…
  • Chase Sapphire Preferred Review – 40,000 Bonus Points($500 towards hotel/airfare) Best Travel Card!

    Hu$tler
    20 Dec 2014 | 3:55 am
    By far the best Chase Sapphire Preferred card offer you will find, this is a phenomenal $500 signup bonus value card towards air/hotel. Not just a regular everyday spending card, but for international travel too with no foreign transaction fees! Chase Sapphire Preferred Review Chase Sapphire Preferred® Card offers 40,000 bonus points after you spend $4,000 in purchases within the first 3 months. With 40,000 bonus points, you can redeem for $500 towards airfare and hotel accommodations. You can earn an additional 5,000 bonus points after you add the first authorized user and make a purchase…
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    Personal Finance News

  • Influential Award Winning Lawyer, Peter Petrou Interviewed by Forbes.com on “Doing Business In Africa”

    ACN Staff
    20 Dec 2014 | 7:45 pm
    Peter Petrou was recently interviewed by Forbes.com on providing an International Perspective on Doing Business in Africa. LIGHTNING RELEASES (12/20/2014) – Peter Petrou, a 30 year-old British-born, international award-winning Lawyer, has advised several of the world’s largest corporations on doing business in Africa. Over the years, he has built up formidable high level political and […]Influential Award Winning Lawyer, Peter Petrou Interviewed by Forbes.com on “Doing Business In Africa” was created by and is property of American Consumer News.
  • Influential Award Winning Lawyer, Peter Petrou Interviewed by Forbes.com on “Doing Business In Africa”

    ACN Staff
    20 Dec 2014 | 7:31 pm
    Peter Petrou was recently interviewed by Forbes.com on providing an International Perspective on Doing Business in Africa. LIGHTNING RELEASES (12/20/2014) – Peter Petrou, a 30 year-old British-born, international award-winning Lawyer, has advised several of the world’s largest corporations on doing business in Africa. Over the years, he has built up formidable high level political and […]Influential Award Winning Lawyer, Peter Petrou Interviewed by Forbes.com on “Doing Business In Africa” was created by and is property of American Consumer News.
  • US Music Producer Boggles Your Mind with His Latest EP “CREEPERZ”

    ACN Staff
    20 Dec 2014 | 7:30 pm
    SIMPLEPR (12/20/2014) – US electronic music producer, BogglesWorth, is a man of mystery. Well-known for his enigmatic ways, he is shaking the idea of genre up, and being widely recognised for his grimy tenacity, and bold mixing style. His latest EP, Creeperz, is being released on 20th January 2015 and he wants you to come […]US Music Producer Boggles Your Mind with His Latest EP “CREEPERZ” was created by and is property of American Consumer News.
  • Artisan Group™ Countertop Fabricators Raised $28,000 to help Injured Veterans during 4th Annual “Counters For A Cause”

    ACN Staff
    19 Dec 2014 | 3:12 pm
    Artisan Group™ Countertop Fabricators Raised $28,000 to help Injured Veterans during 4th Annual “Counters For A Cause” Countertop group hosted fourth annual yard sale, Counters For A Cause, to help Homes For Our Troops build new homes for injured Veterans AUSTIN – December 19, 2014– Artisan Group countertop fabricators across America raised $28,000 at the […]Artisan Group™ Countertop Fabricators Raised $28,000 to help Injured Veterans during 4th Annual “Counters For A Cause” was created by and is property of American Consumer News.
  • Global Syn-Turf Supports Senator Jerry Hill’s Bill to Prohibit Rubber Infill Used in the Artificial Grass Installation

    ACN Staff
    19 Dec 2014 | 12:43 pm
    LIGHTNING RELEASES (12/19/2014) – Efforts to increase regulations of activities related to recreation and public spaces were bolstered this week with the introduction of Senator Jerry Hill’s The Children’s Safe Playground and Turf Field Act of 2015, SB 47, a bill that would prohibit a public or private school or local government until Jan. 1, […]Global Syn-Turf Supports Senator Jerry Hill’s Bill to Prohibit Rubber Infill Used in the Artificial Grass Installation was created by and is property of American Consumer News.
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    Cash Money Life | Personal Finance, Investing, & Career

  • Personal Capital Black Friday Promotion – Free Amazon Gift Card for New Accounts

    Ryan Guina
    28 Nov 2014 | 10:30 am
    This article was originally published on Cash Money Life | Personal Finance, Investing, & Career at Personal Capital Black Friday Promotion – Free Amazon Gift Card for New Accounts. Personal Capital is celebrating Black Friday with a $50,000 promotion. The first 1,000 users to sign up and link at least one account will get a free $20 Amazon.com gift card. The next 3,000 users to sign up and link at least one account will get a $10 Amazon gift card. The promotion will run until the $50,000 runs out, or until the end of Dec 1, 2014. What is Personal Capital? Personal Capital is a free…
  • TradeKing Promotions – Best Promo Ever – $1,000 in Commission Free Trades!

    Ryan Guina
    28 Nov 2014 | 10:05 am
    This article was originally published on Cash Money Life | Personal Finance, Investing, & Career at TradeKing Promotions – Best Promo Ever – $1,000 in Commission Free Trades!. UPDATE: Black Friday – $50 New Account Bonus. Receive a $50 cash bonus when you open a new TradeKing account between November 28, 2014 at 12:01 am EST, and Monday, December 1, 2014 11:59 pm. See below for more details, or click the promotion link, and use promotion code BF50 when opening the account. TradeKing is one of the leading online discount brokers, and they are well known for a mix of great…
  • Is It Worth It To Pay Movers?

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

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

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

  • How To Have A Better Work Life Balance When You Work For Someone Else

    GMM
    22 Dec 2014 | 2:00 am
    Working for someone else has many benefits. You may receive vacation time, benefits such as health insurance, a stable and secure salary, and more. However, what do you do if one of the things you are lacking is a good work-life balance?Here are my tips to have a better work-life balance when you work for someone else:Try to leave work at work.If you often bring work home with you, it can often feel like you have no work life balance. You should look into seeing what you can do to lessen your work load.If it’s too much, then it is. You might even want to bring it up to your boss if your…
  • Saving For a Home Down Payment

    GMM
    19 Dec 2014 | 4:46 pm
    We are in the very beginning stages of buying our next home. We still live in our current home and have to sell it, but that doesn’t mean that we can’t have two goals at once. Our first home was very cheap, so our down payment was quite small. However, for our next home our down payment will most likely be much larger, and that means it will be a little bit more work for us to save up money for the down payment.It won’t be impossible though, and it doesn’t have to be too hard for you either! There are plenty of ways to save up for a down payment without feeling like…
  • Entrepreneurship/Freelancing Roundup – Articles I Enjoyed

    GMM
    18 Dec 2014 | 10:48 am
    It’s December 18th. WHERE has the time gone?! 2014 is flying by and in just a few weeks it will be a brand new year.I hope all of you are having a great month and year. Hopefully your businesses are flourishing and your careers are taking off. I hope you are all loving what you are doing and reaching your wonderful goals as well. Even if you are not at your goals, 2015 is a brand new year so you have plenty of time to try hard to accomplish your goals.Today, I have some great articles you may want to read in order to increase your income and improve your life.Here is a roundup of some…
  • 6 Steps To Take While Job Searching

    GMM
    15 Dec 2014 | 1:00 am
    When looking for a job, there are certain steps you should take so that you can make the job search process as smooth as possible. This is so that you can hopefully get your next job quickly and this should lessen the stress of looking for a job at least a little bit.Below are seven steps to take while job searching:1. Take a look at your resume.The first thing you need to do is take a look at your resume. If it is not updated, then you need to update your resume. Try to tailor it for the industry you are looking to find a job in. Resume rules are not usually the same across the board, and…
  • Email Mistakes You Should Avoid

    GMM
    11 Dec 2014 | 2:00 am
    As someone who works online, I have seen a great deal of email mistakes. Even when I worked at my day job and I occasionally dealt with a few emails each day, I still saw a good deal of mistakes in emails pretty much every single day.Email mistakes usually make me cringe, as they can be so avoidable. Avoiding email mistakes can lead to future business, better networking skills, and people not wondering what you actually meant whenever you send someone an email.Here are several email mistakes you should avoid. Learn about these today, because I know that some people do not even realize that…
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    Everybody Loves Your Money

  • Link Love 12/19/14

    Alexa
    19 Dec 2014 | 10:23 am
    Happy Friday. I hope you had a good week! Are you finishing your Christmas shopping this weekend? I (thankfully) got all of mine done last week so no more braving the crowds. In case you’re in need of some weekend reading here are some of my favorite posts from the blogosphere: The Trouble With Holiday Spending Expectations @The Broke and The Beautiful Life 5 Tips for Renting Out a Room In Your Home @Diversified Finances The Male/Female Unemployment Gap @Don’t Quit Your Day Job Can the Experts Help Us Find Good Stocks? @My Money Design My Simple Real Estate Investment Philosophy @Debt…
  • 5 Unusual Ways to Save Money

    Alexa
    16 Dec 2014 | 8:15 pm
    I’m going to be honest. When I get busy with work and my personal life by budget starts lagging behind and I have to play catch up. With Christmas, plus my oldest daughter’s birthday, it’s already been a high spending month. To bring my budget back down I’ve been looking at some unusual ways to save money. I scoured the internet, looking for some weird ideas. Here are a list of five unusual ways to save money, although I’m not sure I can do #2! Live in a Tiny House I have a 900 sq ft trailer. It’s small but not tiny but it’s also completely paid off so it’s not like I need to…
  • How to Start Investing in 2015

    Alexa
    15 Dec 2014 | 6:13 am
    Is one of your New Year’s Resolutions to start investing in 2015? Investing was one of my major goals in 2014. Even though I got off on a little bit of a rough start I learned what not to do. I also learned that investing is pretty easy, as long as you let it be. So if you’re in the market to start investing in 2015 here’s how to get started. Determine Your Investing Goal Before you get started you first need to know what you’re investing for. This will help you determine your overall investing strategy and where to open up an account. For example, when I first started investing this…
  • Link Love 12/12/14

    Alexa
    12 Dec 2014 | 10:17 am
    Happy Friday! I hope you had a great week. I know everyone is gearing down to make their Christmas plans and finish up their shopping so I thought I’d do a post round-up this week dedicated to all things Christmas! 16 Gifts for $20 or Less @The Budget Mama $500 Visa Gift Card Giveaway @Clever Dude The Perfect Spritz Cookie Recipe @The Frugal Farmer 7 Great Gifts for Frugal Weirdos @Frugal Woods Peppermint Chocolate Cake Mix Cookies @Save to Splurge Have a fantastic weekend! The post Link Love 12/12/14 appeared first on Everybody Loves Your Money.
  • A Sneaky Way to Stick to Your Christmas Budget…..

    Alexa
    9 Dec 2014 | 8:15 pm
    Sticking to your Christmas budget can be tough, especially if you have kids! Before kids my Christmas budget was never too out of hand. I didn’t have anyone who I felt the need to lavish with gifts. Sure, I still liked giving meaningful gifts, but I found that those didn’t have to cost a lot of money. My first daughter was born in December of 2008. I was too exhausted to worry about Christmas, so that year I hardly spent anything. The next year, I spent a little more. The year after that I had a second baby who was seven months old when Christmas came around. When my girls were that small…
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    CreditCards.com

  • Debt registry lets debtors check if a collector is legitimate

    Fred Williams
    19 Dec 2014 | 1:05 pm
    The debt collector says you owe $1,000 on an old Bank X credit card. But the collector isn't with Bank X. He's from some company called Strong Account Receivable Management. How do you know Strong-ARM has the right to collect your debt?  "Debtors want to know they're paying the right people," says Mark Parsells, a longtime banker whose resume lists stops at American Express, First USA, Bank One and Citigroup. Parsells now heads Global Debt Registry, a kind of warehouse for debt that is trying to solve one of the big problems in the consumer financial world: uncertainty about a debt's…
  • Dear Santa: RFID-blocking bluejeans, please

    Jay MacDonald
    19 Dec 2014 | 5:51 am
    Dear Santa: You know how my previous wish list included one of those stainless steel wallets that blocks digital pickpockets from hacking your credit card information right through your back pocket? Cancel that. I've discovered something waaay more fun: the Ready Active Jeans and matching Work-It Blazer from those crazy-clever crowdfunding clothiers at Betabrand of San Francisco. Partnering with the global anti-virus folks at Norton, Betabrand just introduced these totally comfortable-looking casuals featuring pockets lined with a special fabric that blocks data theft via radio-frequency…
  • My budget got run over by an automated auto loan payment

    Sienna Kossman
    18 Dec 2014 | 9:55 am
    Last week marked my second month of auto loan repayment, a $130 checking account overdraft and a three-day long financial headache.My second auto loan payment of $203.67 was due Dec. 10. On Dec. 9, I called my lien holder to make a payment over the phone. However, the customer service representative said that making a payment over the phone would cost an extra $20. For no additional charge I could mail in a check or pay through my checking account's bill pay system, if I had that option.Mind that I paid over the phone for no additional charge in November. I decided I would just make the…
  • Quantum physics may power card security

    Jay MacDonald
    17 Dec 2014 | 11:17 am
    The mysterious and sometimes just plain weird properties of quantum physics may one day soon provide the key to one of mankind's persistent quests: the search for signs of secure credit card verification in the universe. Jump-cut to the Netherlands, where scientists at the University of Twente have made a leap toward the fraud-free, unclonable credit and debit cards of the future that would make Zaphod Beeblebrox of "Hitchhiker's Guide to the Galaxy" twerk. To date, our best attempts at card security, magnetic stripe and embedded computer chip, share the same underlying flaw: They're pretty…
  • Medical debt confounds even the experts

    Fred Williams
    15 Dec 2014 | 1:10 pm
    Medical costs are so complicated, they sometimes even stump the experts. When Tom Gavinski started working for Sears in Minneapolis years ago, he paid $5 a month for an HMO "that covered everything," he said. "Now I have a $6,000 deductible." These days, Gavinski heads the health care business at a Minnesota debt collection company. He's also on the board of directors of ACA International, the debt collectors' trade group. But medical bills can still surprise him. He recently went in for a preventive procedure, thinking he understood his coverage, then received an unexpected lab bill. "We're…
 
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    One Frugal Girl

  • The Christmas Rundown

    One Frugal Girl
    19 Dec 2014 | 9:49 pm
    I spent so much time organizing the house that Christmas became a bit of an after thought. With the big day approaching I buckled down, bought gifts and checked off names on our rather short list. So far I’ve managed to keep the costs to a minimum. While I didn’t shop on Black Friday I did visit a local toy shop on Small Business Saturday to take advantage of the American Express $30 promotion. The toy shop offered a 20% discount and American Express provided up to three $10 statement credits for purchasing $10 or more from a local business on that day. I bought three toys, each…
  • Book Review: Aoléon The Martian Girl

    One Frugal Girl
    16 Dec 2014 | 5:00 am
    Book Description: Crop circles magically appear in Farmer Johnson’s field. A mysterious light sweeps over the night sky and awakens Farmer Johnson and Gilbert, the boy next door. Curious, Gilbert ventures out to discover the source of the light and stumbles into a beautiful Martian girl sitting in a crop circle. Farmer Johnson also investigates the strange light, and thinking that Gilbert and Aoléon are vandals, he chases them. But they sprint to Aoléon’s saucer and escape only to be pursued by the U.S. Air Force. Gilbert has never been attacked by swarms of giant killer robots. Never…
  • Book Review: Corporate Cowboy

    One Frugal Girl
    15 Dec 2014 | 10:56 am
    Book Synopsis: Restaurant Management: First Hand Lessons from the King of Steak Houses Black Angus Beef Chain Founder shares business tips, food recipes and personal memoir Stuart Anderson had led a fascinating life for the past 90 years. He built Black Angus, America’s #1 restaurant chain of the 1980s, and ranched on a 26,000 acre spread where he raised cattle. His circle of friends has included Hollywood stars and corporate bigwigs. You’ll discover his personal history is a lot like the man – larger than life! Anyone seeking to go into the restaurant business or moving…
  • The Things We Keep

    One Frugal Girl
    11 Dec 2014 | 8:51 pm
    My nesting obsession continues to haunt me. When my son was born I had absolutely no idea what to expect. This time around I know there is a good chance that I’ll be absolutely exhausted for those first two to three months. Three years ago I exclusively nursed and my son was not a good sleeper, which meant waking up around the clock to feed him. My husband would take on diaper duties and pick him up and hand him over, but the rest of the work was up to me and I was quite frankly exhausted. If I was that tired three years ago with just one kid I cannot imagine how depleted I’ll…
  • Book Review: Little Things Long Remembered

    One Frugal Girl
    11 Dec 2014 | 5:00 am
    Book Synopsis: As digital devices take over family life in subtle and seductive ways, what will happen to child development and family bonding when children spend more time with screens than they do at school or with their parents? Life swirls at a hectic pace in most families today. That reality places a high premium on finding family time. Little Things Long Remembered: Making Your Children Feel Special Every Day, is updated for today’s digitally driven and time-strapped families, offering hundreds of easy ways to create treasured childhood rituals that your children will look back on…
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    My Dollar Plan

  • Amazon $20 Gift Card from Western Union

    Madison
    19 Dec 2014 | 6:29 am
    Western Union is giving out $20 Amazon Gift Cards to try Western Union through their refer-a-friend program. By now, I think we all know I’m a huge fan of shopping on Amazon, so any deal that features Amazon gift cards is great! It’s Free Money Friday. If you are busy spending money on Amazon Lightning deals and watching for last minute price drops on ipads, Kindle Fires, laptops and Keurig coffee makers, it’s time to take a break and earn some gift card money for yourself! How to Get Your $20 Amazon Gift Card Sign up for the Amazon Western Union promotion to get a one-time…
  • Holiday Gifts for Beer Lovers

    Kristen
    18 Dec 2014 | 6:29 am
    We just highlighted gifts for food lovers and wine lovers in our holiday gift guide, but what if your gift is for a beer lover? Don’t worry we’ve got you covered! Wondering what to get your beer lover friend this year? Of course beer makes the perfect gift, but you might want to think outside the box a bit to give them something fun and useful. Here are some inexpensive gift ideas for beer lovers. (Photo Credit: Drunken Monkey) Holiday Gifts for Beer Lovers Reusable bottle caps. Beer lovers will get a lot of use out of these reusable beer saver caps which are designed to keep beer…
  • How I Earned $1,000 From Big Crumbs Cashback

    Madison
    17 Dec 2014 | 6:50 am
    We’re finishing up our holiday cash back series today with the cashback site Big Crumbs. Hopefully you’ve earned lots of cashback on all of your holiday shopping this season! Big Crumbs is a cashback program that I’ve used for a long time. I just checked my account and saw that I have $1,179.79 in lifetime earnings. It isn’t as much as I’ve earned from some of the other cashback programs (like the $5000 I earned from Mr. Rebates), but an extra thousand dollars is quite a bit! Here is how I earned $1000 from Big Crumbs: How to Earn Your Cash Back Sign up for a…
  • Holiday Gifts for Food Lovers

    Kristen
    16 Dec 2014 | 7:59 am
    Our holiday gift guide series highlights gifts for the foodies on your list. Do you have a food lover in your family? Wondering what to buy for the food lover in your life this year? We’ve got great suggestions perfect for your foodie and just as delicious for your wallet. Whether they love to cook, like trying out the newest restaurants or new foods, or simply love to eat, we’ve got an affordable gift for them. (Photo Credit: splityarn) Holiday Gifts for Food Lovers Cheese grater. This rotary grater can grate cheese and other foods in a quick and simple way. You can choose if you’d…
  • 17 Tips for End of Year Tax Planning

    Madison
    15 Dec 2014 | 7:17 am
    It’s time for end of year tax planning! Time to get your financial house in order for tax season! What could be more fun that taking a break from holiday festivities and shopping to start thinking about taxes? It seems like every year when we do our taxes, there’s a few things we wish we would have done in December to reduce our tax bill just a little more. Sound familiar? That’s where a little end of year tax planning results in great rewards! Here’s an updated list of money moves to make before the new year. Year End Tax Moves Run a preview. Before the end of the…
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    My Financial Journey

  • Retirement Nestegg Report – November 2014

    MFJ
    29 Nov 2014 | 10:59 am
    Another all time high for my retirement nestegg and my investments outperformed the SP500 index this month. In addition I have finally bumped up my 401k contribution starting this month to do a little catchup before the end of the year. I have been horribly lacking in this category only contributing 5% of my salary the last 4-5 years as we turbocharged our house/land purchasing funds. I look forward to maxing out my 401k in 2015 for the first time in what seems forever. In addition I will be adding child #5 in 2015. It was kind of unexpected surprise and I’m convinced my wife just never…
  • Retirement Nestegg Report – October 2014

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

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

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

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

  • Take the Discount Challenge

    <a href="https://plus.google.com/103781879383456582208?rel=author">Jackie Beck</a>
    15 Dec 2014 | 4:00 am
    Today might literally be a bit of a challenge, depending on how discount-minded you normally are. One way to spend less money is to ask for discounts on the things you’re going to buy anyway. (Of course, another way is to buy less stuff in the first place, but that’s a topic for a different post.) You can find discounts by looking for sales, using coupons, signing up for store shoppers cards, and comparison shopping. But — very often — you can also get discounts simply by asking. The challenge is this: For an entire day, ask for a discount on everything you buy, no…
  • 10 Essential Things to Do Before Selling Your Home

    Jackie Beck
    8 Dec 2014 | 4:00 am
    I’ve moved too many times to remember off hand growing up, and toured literally hundreds of houses in my lifetime. I’ve also bought 6 properties of my own, and sold 3. Every time I’ve gone house hunting, either for myself or with someone else, I’ve been struck by just how many people neglect basic things that could help them get top dollar with only a week or two’s worth of effort. Here are ten things to do before listing your home that can make all the difference. Skip them, and you may get less for your home or have a harder time selling it, since many…
  • Had Enough? Whip Your Financial Life Into Shape

    <a href="https://plus.google.com/103781879383456582208?rel=author">Jackie Beck</a>
    1 Dec 2014 | 4:00 am
    Sometimes you just don’t know where to start. There are all sorts of details to think about when it comes to whipping your financial life into shape — and then keeping it that way. What do you do first? What’s most important? The details can feel overwhelming if you let them, so it’s imperative to prioritize. And that means prioritizing for what’s important in YOUR life. Getting started So where do you start? Here’s one way to go about it. Start by organizing your finances into broad categories, and then prioritize those broad categories based on a…
  • Have You Reached That Moment Yet?

    <a href="https://plus.google.com/103781879383456582208?rel=author">Jackie Beck</a>
    24 Nov 2014 | 4:00 am
    “A moment comes when the desire to do what you really want nearly overwhelms you and it feels like you can’t go another day without making a change.” -Tyler Tervooren, in his post Stand on a corner and sing That’s what it felt like when we finally did what it took to be debt free. And when I quit my job. And when…well, you get the picture. Have you reached that moment yet? The moment where you can’t go another day without making it happen? If you’re not already doing what you really want to be doing, what’s stopping you? That’s a little bit of…
  • Find Your Passion (It’s Probably Right in Front of You)

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

  • Net Worth Update December 2014 – Karl the Real Estate Agent

    Guest Blogger
    15 Dec 2014 | 4:30 am
    Welcome to the Million Dollar Journey December 2014 Net Worth Update – Team MDJ edition. A select group of readers were selected to be part of Team MDJ which was conceived after the million dollar net worth milestone was achieved in June 2014. Karl the Real Estate Agent was selected as a team member and will post net worth updates on a regular basis. Here is more about Karl. Profile: Name: Karl Age: 33 Day Job: Employed as a Real Estate Agent Full Time. Family Income: $130,000 (Personal full-time job); $15,600 (rental income before expenses); and, $50,000 (spouse full time job) Goals:…
  • Year End Tax Tips: 2014

    FrugalTrader
    8 Dec 2014 | 4:30 am
    This article originally was published a few years ago but I decided to pull it out of the archives (with a few modifications) due to its relevance for this year. I was watching the tax segment on BNN last night and they highlighted some year end tax strategies to take advantage of. Here is a summary of some year end tax tips for 2014: Tax Loss Selling. If you have taxable capital gains this year in your non-registered account, you may want to sell some of your losing stocks.  Why?  The realized losses will offset your gains, thus reducing your taxable amount.  Capital losses can also be…
  • What is the Best Credit Card for Aeroplan Members?

    FrugalTrader
    1 Dec 2014 | 4:30 am
    Aeroplan is one of the most popular loyalty reward programs in Canada.  The program, run by publicly traded Aimia (AIM.TO), is free to join and allows members to collect points towards flights on Air Canada and other participating airlines, hotels, gifts and gift cards. Members can earn points in a number of ways, such as through credit card rewards, purchasing Air Canada (and affiliated airlines) flights, and through affiliated merchants such as Esso.  Points are relatively easy to pick up here and there, but the real accumulation of points comes when costs are funneled through an Aeroplan…
  • Dividends vs. Capital Gains, Financial Literacy, Faster Mortgage Freedom and more!

    FrugalTrader
    28 Nov 2014 | 4:30 am
    A couple of weeks ago, I wrote about the TD Aeroplan Visa Infinite promo which offered 25k bonus points and no annual fee for the first year. Readers indicated that the fine print showed that the “no annual fee” promo was expired, but I have confirmed with TD that this offer is good until December 19, 2014 (they have also updated the fine print). More info about the card here. Most financially-savvy folks try to save a lot of money to prepare for retirement (early or otherwise). Canadian Dream addresses the other side of the spectrum where You Might Be Saving Too Much. Is…
  • A Simple Low Cost Diversified ETF Portfolio 2014

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

  • 10 Tips To Save Money On Your Christmas Shopping And Avoid Going Into Holiday Debt

    Peter Anderson
    17 Dec 2014 | 7:13 am
    Here are a few things you can do to plan ahead and make sure to keep Christmas a frugal holiday this year. The post 10 Tips To Save Money On Your Christmas Shopping And Avoid Going Into Holiday Debt appeared first on Bible Money Matters and was written by Peter Anderson. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • Why We Switched To Republic Wireless For Our Mobile Phone Service

    Peter Anderson
    16 Dec 2014 | 10:54 am
    Our family has been extremely happy with Republic Wireless cell service and just ported our existing mobile phone numbers over to the service. Here's why. The post Why We Switched To Republic Wireless For Our Mobile Phone Service appeared first on Bible Money Matters and was written by Peter Anderson. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • Faking A Predictable Paycheck When You Have Fluctuating Income

    Contributing Author
    15 Dec 2014 | 7:03 am
    My wife and I set out to develop a strategy that would allow us to “fake” a steady, predictable paycheck despite a fluctuating freelance income. The post Faking A Predictable Paycheck When You Have Fluctuating Income appeared first on Bible Money Matters and was written by Contributing Author. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • 3 Money Topics To Address Before Marriage

    Miranda Marquit
    5 Dec 2014 | 8:59 am
    Financial advisor Clint Gautreau points out that there are 3 main areas of finance that you should talk about before tying the knot. The post 3 Money Topics To Address Before Marriage appeared first on Bible Money Matters and was written by Miranda Marquit. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • Tablo TV Over-The-Air DVR: The Cord Cutters Dream!

    Peter Anderson
    4 Dec 2014 | 9:25 am
    If you canceled your expensive cable TV package, would you miss your DVR? Now you don't have to. The new Tablo TV over-the-air DVR is a cord cutter's dream. The post Tablo TV Over-The-Air DVR: The Cord Cutters Dream! 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

  • Cuba, Rubles, Christmas and #BestThisWeek

    bigcajunman
    19 Dec 2014 | 5:15 am
    Interesting to see that the U.S. will try to normalize relations with Cuba after 50 years. This will mean for Canadians that Cuba will not be quite as cheap as it has been, and worse it will be a lot busier. Should be interesting to see if this turns into a political hot potato for Democrats during the next elections, as the Republicans are already calling it the worst mistake since Chamberlain appeased Hitler in 1939. I am sure the Cuban economy will enjoy the eventual influx of Yankee tourists. This Year’s Tree The Russian ruble is dropping in value like a stone, thanks to many…
  • Sure Fire Investing Scheme

    bigcajunman
    17 Dec 2014 | 10:11 pm
    For my throwback Thursday post I go back to something I wrote over 8 years ago, entitled Gambling: Sure Fire System, and it actually wasn’t just a sure-fire gambling system, it was also a can’t lose investing strategy as well. What was I thinking? There is no such thing as either a Sure-Fire Investing or Gambling system, but as usual I went for the swerve, no, I would hopefully never write about a sure-fire gambling or investing system, the only sure-fire investing system is quite simple, invest in yourself. Get in shape! Yes, round is a shape, however as you can see, it is not…
  • Make Money the Old Fashioned Way, Earn it!

    bigcajunman
    17 Dec 2014 | 5:43 am
    I loved that old chestnut from Smith Barney, that was so eloquently enunciated by the late John Houseman. It was his authoritative voice that sent droves of investors over to Smith Barney. What happened to Smith Barney? It eventually got bought by Morgan Stanley, which then morphed into Morgan Stanley Smith Barney, but now it is just Morgan Stanley (I am shortening the story a great deal, check the link for the full details). This battle cry continues on in the Investing World, that the only way to really make big money, is to actively manage your investments, and most likely have a broker…
  • Financial New Year Resolutions , Start Now !

    bigcajunman
    15 Dec 2014 | 6:14 am
    Every year, many folks try hard to break old habits, lose weight, or fix a “problem” in their lives, and they wait until January 1st to start this, but I have found that as soon as I call something a “New Year Resolution” it is doomed to failure. The pressure of calling anything a New Year Resolution, ensures that I worry far too much about it, and will eventually give up on this. The University of Scranton put out some very interesting numbers on New Year’s Resolutions (in the U.S.)  and how long the attempted change continues, the telling stats (especially for…
  • Snow, Christmas, Enhanced and #BestThisWeek

    bigcajunman
    12 Dec 2014 | 5:20 am
    The snow flew this week in Ottawa, which of course means that we might have a White Christmas here in the Nation’s Capital. Will that matter? It does to some folks, I am good with a green Christmas, and one day hope to enjoy going to the beach on Christmas Day (and not have to wear a parka at the beach). A Previous Festive Tree from the Big C8j House Christmas is coming, the goose is getting fat, and the malls are getting to be pretty nasty places. There are only 13 days left until Christmas Day, and only days left in this calendar year. If you want to put money in an RESP and have not…
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    Early Retirement Extreme

  • First impressions count — fitting square pegs into round holes

    Jacob
    21 Dec 2014 | 11:10 pm
    I’m still amused by a comment about Early Retirement Extreme I just read on reddit. Granted reddit is the archetypical site of the “tl;dr, but have opinion anyway”. Perhaps this is why the comment was so funny. On the other hand, it also shows the challenge of this site to enlighten the public opinion to what would be the third alternative; the two others being 1) go to college, get a job, buy a house and car, fill them with stuff, spend the rest of your life working to pay them off, or 2) sell cheesy crappy e-books on the web to fund your awesome lifestyle design. (Oh, how…
  • Saying “NO” to fitting in

    Jacob
    21 Dec 2014 | 11:05 am
    And now for a guest post from a writer who needs no further introduction … Okay, it’s Trish from Simple in France. I could type you a grocery list hundreds of items long detailing all that my husband and I have said ‘no’ to as we’ve cut our expenses and our time commitments. The tangibles (gadgets, toys, clothes) that we didn’t collect. The experiences (vacations, cruises, dining out) that we don’t indulge in. Looking back on the six years we spent in California, however, what we really said ‘no’ to was fitting into the consumer culture around us. Going against the…
  • Living like a student

    Jacob
    20 Dec 2014 | 11:03 pm
    Every so often, I get the objection that ERE means that one has to live like a student. I don’t understand what was so bad about living like a student and why this objection is so common. Am I really in the minority because I liked living like a student? Each weekday my (undergraduate) student life had 4 hours of lectures (which interested me), 2 hours of homework (which I could have done without), I knew all my neighbors and we often hung out, we had a weekly game night and parties once a month. Sometimes we had movie nights and sometimes we had a spontaneous soccer match or a trip to…
  • Value infection

    Jacob
    20 Dec 2014 | 11:00 am
    Imagine being born into the world with no immune system (not far from the truth) having no idea about conventions and how things are but having a curious mind, it starts picking things up. After learning the language to describe thing, attaching values and priorities become important. Initially, you would not pay attention to what people wear and you would think that it is unimportant what they wear as long as they are not too cold or too warm. After all, you can feel the associated discomfort on your own body, so you can relate. But now you see a few clothing catalogues, and you see…
  • The life and death of a blogger

    Jacob
    19 Dec 2014 | 10:55 pm
    I just went through my RSS reader which I admit that I rarely use and noticed that many good blogs which I used to read are now defunct. Through my tenure as a blogger, I have also noticed that readers have come and gone. Perhaps the blogosphere is indeed like an eco-system where blogs live and die as bloggers run out of things to say and blog readers enter and feed of the blogs until they have learned all they can and leave again. This leaves long time bloggers, who resort to repeating themselves. I used to think that that was a bad thing, but perhaps it is justified due to the systemic…
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    PFBlog.com: The Unique Personal Finance Blog Since 2003

  • Monthly Update - November 2014 ($1,913,512, +$57,816)

    webmaster@pfblog.com
    13 Dec 2014 | 10:36 pm
    November has been a great month for us. Riding on some substantial portfolio gains, our net worth climbed to a new high of over $1.9M, making this the 8th month of back-to-back five-figure growth. This year so far, we grew our financial fortune by over $250K. If 2014 ends today, it will be our largest annual gain, ever. 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 - October 2014 ($1,855,696, +$18,816)

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

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

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

    webmaster@pfblog.com
    18 Aug 2014 | 4:02 pm
    With another $19K increase, July is the four consecutive month we enjoyed five-digit monthly net worth improvement. At $1,741K, our net worth rose a handsome $216K in the last 12 months, a good 14.2% gain. Our household balance sheet, along with monthly, year-to-date, and trailing 12 months comparison, are shown below: READ FULL POST ... Read more posts like this from PFBlog.com, The Unique Personal Finance Blog Since 2003.
 
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    2million's Personal Finance Blog

  • Free EPIX HD Online Trial till March 6

    2million
    20 Dec 2014 | 6:25 am
    EPIX is offering a free trial until March 6 for their online movie streaming subscription. No credit card or existing cable account required to signup. I've signed up and used my account on an Android tablet and Chromecast. Per their website they also have apps for Apple, Roku, XBOX, PS3/4 devices. What is EPIX? Its a cable movie channel and the service is similar to a netflix subscription with focus on movie content. hat tip to slickdeals.net for the find.
  • October 2014 Net Worth Update (+$11,916)

    2million
    30 Nov 2014 | 5:10 pm
    Highlights for OctoberBetween 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. Our properties are listed on our balance sheet based on their cost basis, not current market value. We have done…
  • GUL Cash Accumulation Fund

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

    2million
    7 Oct 2014 | 10:44 am
    Highlights for SeptemberBetween my wife and I we have earned approx $3,000 (in gift cards, points, and miles) through 6 credit card signup bonuses this year. Our credit scores are still hovering around 800, but since we have no plans to utilize our credit for other financing anytime soon, we are making a little money off our credit scores by taking advantage of these promotional opportunities.We are not spending extra, but focusing our spending on these new cards to earn the bonuses and doing some round trip transactions via Amazon payments. Our properties are listed on our balance sheet…
  • Free Museum Day 2014

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

  • Have A Safe And Blessed Christmas!!!

    Lulu
    21 Dec 2014 | 9:23 pm
    I just wanted to wish everyone a safe, blessed and prosperous Christmas season.  Many of you will be traveling and it will be dangerous on the roads. I also wanted to wish you all a financially safe season…make sure you don’t overspend in the spirit of the season. Related posts: Belated Merry Christmas! Merry Christmas 2012 I Did Not Buy Myself Anything For Christmas
  • Wednesday Financial Update

    Lulu
    17 Dec 2014 | 9:20 am
    I normally post financial updates on Fridays but I needed to get this one out! This week my expenses were: $50 for the phone instead of my usual $25. I forgot to pay my portion of the shared plan last month so I paid twice this month to make up for it. Luckily the person I am on the shared plan with is very understanding and since the bill is not high anyway it was not a strain. $89.38 in vet bills for the new cat. She had worms, ear mites and an infection in both ears. This bill covered the treatment for all those ailments plus an installation for the pet insurance as well. The insurance…
  • Free Shipping With No Minimums at Walmart!!!

    Lulu
    11 Dec 2014 | 8:26 pm
    You all know how much I love shopping at Walmart and they just made it a little sweeter for the Christmas season. For the next couple of days there is NO minimum purchase required to get the free shipping from Walmart. Sweet! Usually you have to place at least $50 worth of goods in your cart to activate the free shipping.  I combine credit card cash back and using Swagbucks to order things online and have them shipped to me so that I can maximize my rewards. The hard part sometimes was having to wait until there was enough that I really wanted in order to qualify for the $50 limit to get…
  • Friday Finances: December 2014 Week 1

    Lulu
    5 Dec 2014 | 6:49 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: $34.42 on food for the week, including fruits, vegetables, and yogurt. I still need staples like bread and crackers but I will wait until the weekend to get those. I also paid rent and the electric bill was $13.54. This week my income was: $Paycheck baby!!!! Yes we got paid on the first of the…
  • I Have Not Saved Enough For Retirement

    Lulu
    30 Nov 2014 | 11:39 pm
    I have not saved enough for retirement and that is a very depressing thought. I recently saw some updated estimates that said in order to have a comfortable retirement it was recommended that I have the equivalent of at least one year of current salary in savings for retirement. Even at my current salary as a graduate student I have not saved enough for retirement. This is a sobering thought as it means I am way behind on the level of savings that I should have at this point in my life. I means that when I finally graduate and get a good job I will have to really hustle to get the savings in…
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    Funny About Money

  • Zombified…but Yogafied!

    funny
    20 Dec 2014 | 8:39 pm
    Managed to get almost nothing done today, other than scribbling a post for Writers Plain & Simple and recording a couple of videos for the online magazine-writing course. This was one of those mornings when you wake up tired, for reasons unknown. Ever have those? Guess it must be the result of not sleeping well. Or something. Fiddled with QuickTime all morning without even noticing the time pass — took some doing to figure out how to make a video of a PowerPoint presentation and get the audio to run with it. Looks pretty good, and now it should be fairly easy to cook up a few more…
  • Half the day scrubbed…the rest on the way out

    funny
    19 Dec 2014 | 11:38 am
    Damn. I planned to make a run on the Costco on the fringe of Richistan to pick up a roast for Christmas, having let time slip past me to the point where if I don’t do it today I’ll end up in the Hell of Retail-Land that is Costco on the weekend before Christmas. But I’ve been working (remember that?) this morning and so was running late; have an appointment with Financial Adviser Dude early in the afternoon. The morning was partially consumed by a little computer scare: I start to work and suddenly see a pop-up: An appointment is being entered in iCal, and I need to open it…
  • Wha…?? ONE piece of cake = 1.2 pounds???????

    funny
    18 Dec 2014 | 12:26 pm
    The brain boggles. About five pounds overweight, I try to diet. Doesn’t seem to help much. Yesterday, nothing will do but what I must go onto a modified vegetarian (NOT vegan) diet. This usually jump-starts the metabolism and moves the scale off the dime. Breakfast: xergis Lunch: spectacular home-made wonderful amazing tomato-vegetable soup (more about which, below) Dinner: none (see below) Yes. By dinnertime I’m busy and so I lose track of time until I realize it’s 20 minutes to choir call. Lock up the dogs and fly out the door, figuring I can stand the pain entailed in…
  • What IS so all-important, really?

    funny
    17 Dec 2014 | 11:01 am
    This morning SDXB calls to tell me he’s decided not to drive into town and grace me with his presence half the day because it’s raining and too cold to sit outside on some coffee shop’s patio. He wants to reschedule for some day totally inconvenient for me, and as usual is consternated when I keep telling him I can’t do Thursday, I can’t do Friday, I can’t do…. It’s kind of comical. And probably it’s just as comical that I find it eye-rolling ANNOYING that he calls me up and announces he’s going to descend on me at some time and date…
  • First-World Problems…

    funny
    16 Dec 2014 | 12:38 pm
    {grump!} How do I dare complain, growl, grump, or crab about things  like this? That is the question. Is my problem that I have to walk two miles with a pair of buckets hanging from a stick slung over my shoulders to gather water? Is my problem that we’re eating the dogs for dinner, after having run out of food? Is my problem that the water I’m about to haul back from the river contains a parasite that will cripple me and anyone who shares that fine dinner with me? Ohhhh no. No, no, no. My problem is that depositing $1344.17 worth of checks remotely took damn near 45 minutes,…
 
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    Lending Club Blog

  • We went public today!

    Lending Club
    11 Dec 2014 | 9:29 am
    Ringing the bell this morning at the New York Stock Exchange to announce our initial public offering was an exciting milestone for Lending Club. With the slogan “Better Rates, Together” we really wanted to celebrate our borrowers and investors and make them (you!) the hero of the day. In a first for the NYSE, we’ve turned the facade of the stock exchange into a giant video screen and we’re inviting anyone visiting Wall Street to participate. We wanted to take the opportunity to showcase real people, our existing and future customers. Each of the 15 monitors is made up of 9 panels.
  • New and Improved Statistics Page

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

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

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

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

  • 5 Things to Ask Your New Financial Advisor

    modestmoney
    18 Dec 2014 | 11:04 pm
    If you are someone who cares about money, you are likely to have many financial advisors in your life. Being broke is easy, but building wealth and security takes effort
  • Meaningful Gifts on a Holiday Budget

    modestmoney
    18 Dec 2014 | 11:03 pm
    If you are like us at Modest Money, the holidays are approaching and you haven’t finished your shopping. Perhaps my family is the exception, but I find them incredibly difficult to buy for. I have found the following approach serves me well, making each family member feel loved and appreciated, without spending too much or leaving anyone disappointed.
  • It’s All in the List – Making Money with Email Marketing

    frugalrules
    18 Dec 2014 | 7:36 pm
    Email marketing is powerful, but it all depends on your list. If you haven't starting building a list, then start now and earn more money!
  • 3 NEW WAYS TO SAVE ON GROCERIES IN 2015

    frugalrules
    18 Dec 2014 | 7:34 pm
    If you want to save on groceries this year so that you have more money left in your pocketbook at the end of each month, these hints can help you out.
  • IN JUST TWO DAYS, TOMORROW WILL BE YESTERDAY – START NOW!

    frugalrules
    18 Dec 2014 | 7:32 pm
    What's stopping you from taking action today? In just two days, tomorrow will be yesterday. Start now and work toward your goals. The new year is here.
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    Money Crashers

  • 6 Fashion Rules to Ignore to Save Money on Clothes

    Jacqueline Curtis
    19 Dec 2014 | 9:00 am
    It’s one thing to consider yourself fashionable, but it’s another thing to stubbornly follow so-called “fashion rules” despite a tight personal budget. Sure, “Vogue” might promise that pastels are hot this season, but you don’t need to follow every industry trend and rule to be considered fashionable. From an industry standpoint, so-called rules are typically […] 6 Fashion Rules to Ignore to Save Money on Clothes is a post from the Money Crashers personal finance blog.
  • Saver’s Tax Credit – Eligibility & Benefits of Retirement Savings Contributions

    Laura Williams
    18 Dec 2014 | 9:00 am
    Saving for retirement doesn’t always come easy, but there are significant tax benefits to low- and moderate-income families who choose to prioritize these long-term savings. The Retirement Savings Contributions Credit (otherwise known as the “Saver’s Credit”), a tax credit designed to encourage retirement savings, makes it possible for individual filers to receive up to $1,000 […] Saver’s Tax Credit – Eligibility & Benefits of Retirement Savings Contributions is a post from the Money Crashers personal finance blog.
  • How to Make Custom Wall Art Out of Reclaimed Wood

    Laura Williams
    17 Dec 2014 | 9:00 am
    If the multitude of projects on Pinterest and Etsy are any indication, reclaimed wall art is definitely a growing trend. While I appreciate the rustic feel of wood pallet signs, I’m not necessarily a huge fan of the price tag. Some pieces cost more than $100 for what amounts to nothing more than some old […] How to Make Custom Wall Art Out of Reclaimed Wood is a post from the Money Crashers personal finance blog.
  • How to Get More Followers on Instagram – 5 Crucial Tips

    Laura Williams
    16 Dec 2014 | 12:55 pm
    If you’re looking for the “new Facebook,” look no further than Instagram. After displaying year-over-year growth of more than 900% two years in a row – booming from a million active users to more than 100 million active users, according to a compilation of Instagram statistics by TOTEMS – Instagram was actually bought out by […] How to Get More Followers on Instagram – 5 Crucial Tips is a post from the Money Crashers personal finance blog.
  • Bike Commuting: Health, Time & Safety Considerations of Biking to Work

    Brian Martucci
    15 Dec 2014 | 9:30 am
    According to the Alliance for Walking & Biking’s 2014 Benchmarking Report, 91.6% of American commuters drive to work. That compares to 5% who use public transit, 2.8% who walk, and just 0.6% who bike. In larger cities, walking and transit get a much larger share of total commutes: 17.2% and 5%, respectively. Biking is still […] Bike Commuting: Health, Time & Safety Considerations of Biking to Work is a post from the Money Crashers personal finance blog.
 
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    Mighty Bargain Hunter

  • A better metric for comparing products on Amazon

    John Wedding
    18 Dec 2014 | 9:37 pm
    A few weeks ago, my PC of a number of years began warning me to replace my hard disk drive soon. That in itself is pretty cool. (Not that my disk drive was failing, but that the operating system warned me before it actually did!) Rather than replace the hard drive, I opted for an updated computer.  I have a daughter entering her teen years faster than I’d like, and I want to postpone her passing me with the tech as long as possible. Customer Reviews:  More than meets the eye As with most things on Amazon, there are choices.  Boy are there choices!  After doing a small bit of…
  • Black Friday 2014 hits the rebate sites!

    John Wedding
    28 Nov 2014 | 2:16 am
    In-store fights on Black Friday are becoming as much tradition as Thanksgiving. Does the thought of scrapping it out with a stranger over a $9.99 DVD player appeal to you? Me neither. Thankfully, no one is going to reach into their computer to overturn your Amazon shopping cart or sever your internet connection.  I’ve managed to stay out of the malls and big stores for a few years now, and I can’t say that I miss the craziness! Remember to click through to spend less! A hefty chunk of my email from businesses the past couple of weeks has been Black Friday and Cyber Monday…
  • Want to make tons of money? Two keys

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

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

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

  • Essentials to look for in your next home

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

    Ryan
    9 Dec 2014 | 8:14 am
    The road to financial freedom is a bumpy one, and debt seems to creep up on us in the middle of the night. Opening a Qatar current account is likely to be the least of your worries when moving to the tiny peninsular Gulf state to live and work. That’s because it’s a fairly straightforward procedure. Indeed, armed with an international account, courtesy of your bank back home in the United States or Britain, you may not even need to open one. But if you do, it’ll prove useful for all of your day-to-day banking needs. Simply apply to the Qatari bank of your choice, provide…
  • 3 Questions to Ask Yourself Before Taking Out a Payday Loan

    Ryan
    7 Dec 2014 | 4:08 pm
    Just about everyone has been strapped for cash at one time or another. A family emergency or some other out-of-the-blue expense leaves you short, with no idea of how you’re going to make it through until your next payday. Where can you turn for the cash you need to stay afloat?   Situations like these are exactly why payday loans were created – but hold it right there before you rush off to apply for one. A payday loan may help you get by in the short term, but could it snare you in a debt trap? Will you get caught up in a never-ending cycle of high interest rates, hidden fees, and…
  • How to Trade Put and Call Options

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

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

  • Should We Give Interest-only Loans A Second Look?

    Ginger
    16 Dec 2014 | 4:00 am
    Have you heard about “interest-only loans”? In case you’re wondering if this is a trick question, let me assure you that it isn’t. Banks actually still offer this product. They lend you money to buy a home and you don’t have to repay the principal loan amount – at least for a certain period of time. With an interest-only loan for your home, you are only required to repay the interest. Interest-only loans: a forgotten, but beneficial, product Interest-only loans are offered by most banks for varying terms, typically under 10 years. During this period of time…
  • Six Strategies That Can Help Your Home Get a High Appraisal

    Ginger
    15 Dec 2014 | 4:00 am
    If you are selling your home, then you want it to be appraised at the highest possible value so that you can make the biggest profit on the sale. As a financial planner, when clients come to see me for a mortgage approval their primary concern is always about selling their home at the best price in order to find a bigger and better home with the profits. Home buyers always want to buy their home at the lowest price and sellers always want to sell their home at the absolute highest price. If you want to get a high appraisal on your home, then you need to think about your home as an investment.
  • You’re Engaged, Now What?

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

    Ginger
    8 Dec 2014 | 4:38 am
    What happens when mom and pop get a divorce but neither one wants to leave the shop? A 2007 Census Bureau report said that roughly 3.7 million businesses are owned by a husband and wife team. With thedivorce rate at a staggering 50 percent, the situation is far more common than many people realize. With some planning, a couple who once promised “until death do us part,” may be able to continue the family business. Too often entrepreneurs are so busy getting their businesses off the ground that they don’t think about what might happen if one of the founders gets divorced. The…
  • Macy’s Friends and Family Coupon December 2014 – Print here!

    Ginger
    3 Dec 2014 | 5:30 am
    If your wallets are still recovering from Thanksgiving, Black Friday and Cyber Monday – guess what?  It doesn’t get any better! Here’s the Macy’s Friends and Family Coupon for December 2014.  I plan on taking advantage of this myself so hurry and start your shopping for Christmas! Be careful out there! Click the following link to print the Macy’s Friends and Family Coupon!
 
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    The Finance Buff

  • Mega Backdoor Roth Without In-Service Distribution

    Harry Sit
    15 Dec 2014 | 4:50 am
    I’m encouraged by the result of my anonymous poll on the availability of non-Roth after-tax contributions in your 401k or 403b plans. Indeed a good 40% of respondents reported having it available. It’s not that elusive after all. This is really good news, because it’s a great avenue to lower your taxes and save more for retirement. Because this is available to more people than I originally thought, I’m going to write a few more articles on this topic. If you don’t have it available to you (myself included), I’m sorry you can only watch with envy. I hope you…
  • Expert Interview on Mint

    Harry Sit
    11 Dec 2014 | 4:50 am
    As part of its Expert Interviews series, personal financial account aggregation and analytics site Mint.com interviewed me. Among other questions I was asked what are some common misconceptions about investing I see floating around, and what are some ways people can save a little more that they don’t realize are out there. Read more here: Expert Interview with Harry Sit on Investing for Mint Let me know where you agree or disagree with what I said. See All Your Accounts In One Place Track your net worth, asset allocation, and portfolio performance with FREE financial tools from Personal…
  • The Elusive Mega Backdoor Roth: Feeling Lucky?

    Harry Sit
    8 Dec 2014 | 4:49 am
    I usually don’t write about things that don’t affect me, because as a reader once said to me, topics that pique the author’s own interest create the best content. I’m making an exception here because it’s important enough if by odd chance you happen to be able to take advantage. I’m talking about making non-Roth after-tax contributions to your 401k or 403b plan, followed by rolling the money over to your Roth IRA. Jim Dahle at The White Coat Investor coined it as the “mega backdoor Roth.” I’m going to go with that. If you get lucky, you…
  • Colorado Stable Value Plus 529 Plan: 3.09% Return Guaranteed In 2015

    Harry Sit
    4 Dec 2014 | 4:56 am
    [Updated on Dec. 4, 2014 with new rates for 2015.] For the most part, 529 plans offer mutual funds as investment options. After the financial crisis in 2008-2009, many 529 plans added more conservative, guaranteed principal options offered by banks and insurance companies. Because money in 529 plans is typically long term, these guaranteed principal options sometimes offer attractive yields. They can be a better deal than bond mutual funds because they don’t have interest rate risk. These guaranteed principal options are especially good for students who are already in college or about…
  • Big Difference Between 90% In Stocks and 100% In Stocks?

    Harry Sit
    2 Dec 2014 | 4:55 am
    From time to time, people ask why not invest 100% in stocks. This question is always met with astounding objections. People say it’s too risky very few will be able to handle the heat, i.e. most likely you will sell at the bottom inexperienced investors who haven’t been through a severe bear market are overconfident of their risk tolerance the thought must be misled by the recent run-up in the stock market Someone on the Bogleheads investment forums collected the instances of people asking about 100% in stocks as a contrarian indicator of market tops. These objections are legit,…
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    Maximizing Money

  • XFINITY $100 Refer-A-Friend Program Bonuses by Comcast

    Max Messner
    19 Dec 2014 | 11:21 am
    The XFINITY Refer-A-Friend Program by Comcast will give new customers up to a $100 Visa Prepaid Card when you sign up for qualifying services and remain in good standing for 60 days. Plus, current XFINITY customers can earn a $100 Visa Prepaid Card for your first referral and a $200 Visa Prepaid Card for your second and third referrals when your friends sign up for XFINITY services. The post XFINITY $100 Refer-A-Friend Program Bonuses by Comcast appeared first on Maximizing Money.
  • Peoples Bank $100 Checking Referral Bonuses for Both Parties in Ohio, Kentucky and West Virginia

    Max Messner
    19 Dec 2014 | 10:02 am
    Peoples Bank in Ohio, Kentucky, and West Virginia is giving both current and new customers up to $100 in bonus cash when a current customer refers a new customer to open a Peoples Bank consumer checking account by December 31, 2014. The post Peoples Bank $100 Checking Referral Bonuses for Both Parties in Ohio, Kentucky and West Virginia appeared first on Maximizing Money.
  • AnchorBank $100 New Checking Bonus and $50 Referrals in Wisconsin, Illinois, Iowa, and Minnesota

    Max Messner
    18 Dec 2014 | 2:30 pm
    AnchorBank has new promotions for Wisconsin, Illinois, Iowa, and Minnesota residents, including a $100 new checking account bonus with a direct deposit and a $50 referral program bonus without a direct deposit. To qualify without a direct deposit, just visit this $50 AnchorBank New Checking Account Referral Link that was provided by a reader to open your account and receive a $50 gift card of your choice. Check out these AnchorBank Promotions if you live in Wisconsin, Illinois, Iowa, or Minnesota. The post AnchorBank $100 New Checking Bonus and $50 Referrals in Wisconsin, Illinois, Iowa, and…
  • Betabrand $25 Referral Discounts for Quirky Clothing

    Max Messner
    18 Dec 2014 | 2:25 pm
    Betabrand sells unique and quirky clothing for men and women, plus new Betabrand customers can get $25 off your first purchase of $75 or more, and you'll earn a $25 credit for each new customer that you refer. Just visit this Betabrand $25 Discount Referral Link to get $25 off your first purchase of $75 or more. The post Betabrand $25 Referral Discounts for Quirky Clothing appeared first on Maximizing Money.
  • Fidelity Brokerage Account up to 50,000 Bonus Airline Miles Offers

    Max Messner
    18 Dec 2014 | 2:20 pm
    Fidelity brokerage accounts are currently offering up to 50,000 bonus airline miles for American Airlines, Delta Airlines, and United Airlines when you open and fund a new Fidelity account or deposit net new assets into an existing Fidelity account. Learn more about these Fidelity Airline Mile Promotional Offers to earn up to 50,000 bonus airline miles. Check out this Fidelity $500 Apple Store Gift Card Bonus as well to earn up to $500 in Apple Gift Cards with your Fidelity account. Review these additional Online Brokerage Accounts as well for more online trading and investment opportunities.
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    Abacus Wealth Partners

  • The “B” Word

    Barrett Porter
    18 Dec 2014 | 1:46 pm
    Sometimes I wonder if I’m the only financial planner who hates budgeting. I’m a good saver, but I can’t imagine a life where I get an alert three weeks into March telling me that I spent too much on groceries. Don’t get me wrong: Many people’s lives have been greatly improved through strict budgeting. But if you’re already a good saver, and the idea of a budget makes you go deer-in-headlights, here’s your workaround. You don’t need to set a target for spending. Sometimes, knowing where your money is going is enough.Click To Tweet Track Your…
  • End-of-Year Financial To-Do’s

    Neela Bushnell
    11 Dec 2014 | 10:34 am
    With a few extra Thanksgiving pounds under our belts and the winter holidays just around the corner, the window for making some last-minute tax-saving moves is dwindling. Here are some of my favorite December strategies for managing your tax burden and taking advantage of some underused financial opportunities. You can gift $14,000 to any individual in a given year without having to file a gift tax return.Click To Tweet Five Last-Minute Tax-Saving Moves Max out 401(k)s: If you are enrolled in a workplace 401(k), you have until the end of the year to max out your contributions. Limits this…
  • My Night with LA’s Homeless Youth

    Jennifer Kenning
    2 Dec 2014 | 11:58 am
    On a rainy Thursday in November, I spent a night on the streets. No matter how many layers I had on, I was still uncomfortably cold. But I was grateful that I was in Los Angeles rather than New York, D.C. or Anchorage, where temperatures were below freezing. What kept me up most of the night, beyond my nerves, was the realization that this is the plight of so many fellow Americans, especially our youth and veterans. Two and a half million people under age 18 live on the streets, 500,000 in California alone. Sixty percent of them left home due to abuse. Others found themselves homeless after…
  • What’s the Nightly Rate on Your Vacation Home?

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

    Neela Bushnell
    13 Nov 2014 | 11:05 am
    This past year, I decided to open a 529 college savings plan for my future children. For those who know me, you know I don’t actually have children, but I hope to someday. Getting a head start on paying for growing college costs seemed like a good idea. If used for “qualified education expenses,” like tuition and room and board, withdrawals from a Section 529 Plan are free of federal taxes and in many cases state taxes. For example, if I funded an account with $10,000 and that account grew to $20,000, I could take out the whole $20,000 free of any taxes. By comparison, if I…
 
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  • Couple's 64th anniversary dinner will surprise you

    22 Dec 2014 | 2:30 am
    Couple's 64th anniversary dinner will surprise youKSAZYou may scratch your head, but this spot is the couple's cup of tea.Food chain where they are regularsMore to seeRing-bearer steals the showWoman transforms office cubicle
  • Khloe disputes rumors about her brother

    22 Dec 2014 | 2:30 am
    Khloe disputes rumors about her brotherGettyKhloe Kardashian took to Twitter on Saturday to address allegations about her brother, Rob, who has been staying out of the public eye.Claim she's shooting downMore in entertainmentStar denies beef with Taylor SwiftStory that hurt Reese's feelings
  • Show off your holiday spirit for a chance to win!

    22 Dec 2014 | 2:30 am
    Show off your holiday spirit for a chance to win!GettyAs festive photos from around the U.S. continue to come in, AOL.com readers are weighing in on which houses shine the brightest. Vote for your favorite holiday homeMore for the holidaysMake your Christmas tree lastThe worst gift I ever got was ...
  • Tom Brokaw makes a major announcement

    22 Dec 2014 | 2:30 am
    Tom Brokaw makes a major announcementAPThe veteran NBC journalist opened up to colleagues on Sunday about a new change in his life after enduring a challenging year.'Very encouraging news' he sharedMore headlinesDid Obama sing with Colbert? Kurds battle to recapture Sinjar
  • Dark past of NYPD cop killer comes to light

    22 Dec 2014 | 2:30 am
    Dark past of NYPD cop killer comes to light GettyA portrait of the gunman emerged Sunday as officials released details on his criminal record.Disturbing request he made moments before opening fireMore on this story Killings trigger massive backlashRift exposed in wake of shooting
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  • Couple's 64th anniversary dinner will surprise you

    22 Dec 2014 | 2:30 am
    Couple's 64th anniversary dinner will surprise youKSAZYou may scratch your head, but this spot is the couple's cup of tea.Food chain where they are regularsMore to seeRing-bearer steals the showWoman transforms office cubicle
  • Khloe disputes rumors about her brother

    22 Dec 2014 | 2:30 am
    Khloe disputes rumors about her brotherGettyKhloe Kardashian took to Twitter on Saturday to address allegations about her brother, Rob, who has been staying out of the public eye.Claim she's shooting downMore in entertainmentStar denies beef with Taylor SwiftStory that hurt Reese's feelings
  • Show off your holiday spirit for a chance to win!

    22 Dec 2014 | 2:30 am
    Show off your holiday spirit for a chance to win!GettyAs festive photos from around the U.S. continue to come in, AOL.com readers are weighing in on which houses shine the brightest. Vote for your favorite holiday homeMore for the holidaysMake your Christmas tree lastThe worst gift I ever got was ...
  • Tom Brokaw makes a major announcement

    22 Dec 2014 | 2:30 am
    Tom Brokaw makes a major announcementAPThe veteran NBC journalist opened up to colleagues on Sunday about a new change in his life after enduring a challenging year.'Very encouraging news' he sharedMore headlinesDid Obama sing with Colbert? Kurds battle to recapture Sinjar
  • Dark past of NYPD cop killer comes to light

    22 Dec 2014 | 2:30 am
    Dark past of NYPD cop killer comes to light GettyA portrait of the gunman emerged Sunday as officials released details on his criminal record.Disturbing request he made moments before opening fireMore on this story Killings trigger massive backlashRift exposed in wake of shooting
  • add this feed to my.Alltop

  • Couple's 64th anniversary dinner will surprise you

    22 Dec 2014 | 2:30 am
    Couple's 64th anniversary dinner will surprise youKSAZYou may scratch your head, but this spot is the couple's cup of tea.Food chain where they are regularsMore to seeRing-bearer steals the showWoman transforms office cubicle
  • Khloe disputes rumors about her brother

    22 Dec 2014 | 2:30 am
    Khloe disputes rumors about her brotherGettyKhloe Kardashian took to Twitter on Saturday to address allegations about her brother, Rob, who has been staying out of the public eye.Claim she's shooting downMore in entertainmentStar denies beef with Taylor SwiftStory that hurt Reese's feelings
  • Show off your holiday spirit for a chance to win!

    22 Dec 2014 | 2:30 am
    Show off your holiday spirit for a chance to win!GettyAs festive photos from around the U.S. continue to come in, AOL.com readers are weighing in on which houses shine the brightest. Vote for your favorite holiday homeMore for the holidaysMake your Christmas tree lastThe worst gift I ever got was ...
  • Tom Brokaw makes a major announcement

    22 Dec 2014 | 2:30 am
    Tom Brokaw makes a major announcementAPThe veteran NBC journalist opened up to colleagues on Sunday about a new change in his life after enduring a challenging year.'Very encouraging news' he sharedMore headlinesDid Obama sing with Colbert? Kurds battle to recapture Sinjar
  • Dark past of NYPD cop killer comes to light

    22 Dec 2014 | 2:30 am
    Dark past of NYPD cop killer comes to light GettyA portrait of the gunman emerged Sunday as officials released details on his criminal record.Disturbing request he made moments before opening fireMore on this story Killings trigger massive backlashRift exposed in wake of shooting
 
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  • Couple's 64th anniversary dinner will surprise you

    22 Dec 2014 | 2:30 am
    Couple's 64th anniversary dinner will surprise youKSAZYou may scratch your head, but this spot is the couple's cup of tea.Food chain where they are regularsMore to seeRing-bearer steals the showWoman transforms office cubicle
  • Khloe disputes rumors about her brother

    22 Dec 2014 | 2:30 am
    Khloe disputes rumors about her brotherGettyKhloe Kardashian took to Twitter on Saturday to address allegations about her brother, Rob, who has been staying out of the public eye.Claim she's shooting downMore in entertainmentStar denies beef with Taylor SwiftStory that hurt Reese's feelings
  • Show off your holiday spirit for a chance to win!

    22 Dec 2014 | 2:30 am
    Show off your holiday spirit for a chance to win!GettyAs festive photos from around the U.S. continue to come in, AOL.com readers are weighing in on which houses shine the brightest. Vote for your favorite holiday homeMore for the holidaysMake your Christmas tree lastThe worst gift I ever got was ...
  • Tom Brokaw makes a major announcement

    22 Dec 2014 | 2:30 am
    Tom Brokaw makes a major announcementAPThe veteran NBC journalist opened up to colleagues on Sunday about a new change in his life after enduring a challenging year.'Very encouraging news' he sharedMore headlinesDid Obama sing with Colbert? Kurds battle to recapture Sinjar
  • Dark past of NYPD cop killer comes to light

    22 Dec 2014 | 2:30 am
    Dark past of NYPD cop killer comes to light GettyA portrait of the gunman emerged Sunday as officials released details on his criminal record.Disturbing request he made moments before opening fireMore on this story Killings trigger massive backlashRift exposed in wake of shooting
  • add this feed to my.Alltop

  • Couple's 64th anniversary dinner will surprise you

    22 Dec 2014 | 2:30 am
    Couple's 64th anniversary dinner will surprise youKSAZYou may scratch your head, but this spot is the couple's cup of tea.Food chain where they are regularsMore to seeRing-bearer steals the showWoman transforms office cubicle
  • Khloe disputes rumors about her brother

    22 Dec 2014 | 2:30 am
    Khloe disputes rumors about her brotherGettyKhloe Kardashian took to Twitter on Saturday to address allegations about her brother, Rob, who has been staying out of the public eye.Claim she's shooting downMore in entertainmentStar denies beef with Taylor SwiftStory that hurt Reese's feelings
  • Show off your holiday spirit for a chance to win!

    22 Dec 2014 | 2:30 am
    Show off your holiday spirit for a chance to win!GettyAs festive photos from around the U.S. continue to come in, AOL.com readers are weighing in on which houses shine the brightest. Vote for your favorite holiday homeMore for the holidaysMake your Christmas tree lastThe worst gift I ever got was ...
  • Tom Brokaw makes a major announcement

    22 Dec 2014 | 2:30 am
    Tom Brokaw makes a major announcementAPThe veteran NBC journalist opened up to colleagues on Sunday about a new change in his life after enduring a challenging year.'Very encouraging news' he sharedMore headlinesDid Obama sing with Colbert? Kurds battle to recapture Sinjar
  • Dark past of NYPD cop killer comes to light

    22 Dec 2014 | 2:30 am
    Dark past of NYPD cop killer comes to light GettyA portrait of the gunman emerged Sunday as officials released details on his criminal record.Disturbing request he made moments before opening fireMore on this story Killings trigger massive backlashRift exposed in wake of shooting
  • add this feed to my.Alltop

  • Couple's 64th anniversary dinner will surprise you

    22 Dec 2014 | 2:30 am
    Couple's 64th anniversary dinner will surprise youKSAZYou may scratch your head, but this spot is the couple's cup of tea.Food chain where they are regularsMore to seeRing-bearer steals the showWoman transforms office cubicle
  • Khloe disputes rumors about her brother

    22 Dec 2014 | 2:30 am
    Khloe disputes rumors about her brotherGettyKhloe Kardashian took to Twitter on Saturday to address allegations about her brother, Rob, who has been staying out of the public eye.Claim she's shooting downMore in entertainmentStar denies beef with Taylor SwiftStory that hurt Reese's feelings
  • Show off your holiday spirit for a chance to win!

    22 Dec 2014 | 2:30 am
    Show off your holiday spirit for a chance to win!GettyAs festive photos from around the U.S. continue to come in, AOL.com readers are weighing in on which houses shine the brightest. Vote for your favorite holiday homeMore for the holidaysMake your Christmas tree lastThe worst gift I ever got was ...
  • Tom Brokaw makes a major announcement

    22 Dec 2014 | 2:30 am
    Tom Brokaw makes a major announcementAPThe veteran NBC journalist opened up to colleagues on Sunday about a new change in his life after enduring a challenging year.'Very encouraging news' he sharedMore headlinesDid Obama sing with Colbert? Kurds battle to recapture Sinjar
  • Dark past of NYPD cop killer comes to light

    22 Dec 2014 | 2:30 am
    Dark past of NYPD cop killer comes to light GettyA portrait of the gunman emerged Sunday as officials released details on his criminal record.Disturbing request he made moments before opening fireMore on this story Killings trigger massive backlashRift exposed in wake of shooting
 
  • add this feed to my.Alltop

  • Couple's 64th anniversary dinner will surprise you

    22 Dec 2014 | 2:30 am
    Couple's 64th anniversary dinner will surprise youKSAZYou may scratch your head, but this spot is the couple's cup of tea.Food chain where they are regularsMore to seeRing-bearer steals the showWoman transforms office cubicle
  • Khloe disputes rumors about her brother

    22 Dec 2014 | 2:30 am
    Khloe disputes rumors about her brotherGettyKhloe Kardashian took to Twitter on Saturday to address allegations about her brother, Rob, who has been staying out of the public eye.Claim she's shooting downMore in entertainmentStar denies beef with Taylor SwiftStory that hurt Reese's feelings
  • Show off your holiday spirit for a chance to win!

    22 Dec 2014 | 2:30 am
    Show off your holiday spirit for a chance to win!GettyAs festive photos from around the U.S. continue to come in, AOL.com readers are weighing in on which houses shine the brightest. Vote for your favorite holiday homeMore for the holidaysMake your Christmas tree lastThe worst gift I ever got was ...
  • Tom Brokaw makes a major announcement

    22 Dec 2014 | 2:30 am
    Tom Brokaw makes a major announcementAPThe veteran NBC journalist opened up to colleagues on Sunday about a new change in his life after enduring a challenging year.'Very encouraging news' he sharedMore headlinesDid Obama sing with Colbert? Kurds battle to recapture Sinjar
  • Dark past of NYPD cop killer comes to light

    22 Dec 2014 | 2:30 am
    Dark past of NYPD cop killer comes to light GettyA portrait of the gunman emerged Sunday as officials released details on his criminal record.Disturbing request he made moments before opening fireMore on this story Killings trigger massive backlashRift exposed in wake of shooting
  • add this feed to my.Alltop

  • Couple's 64th anniversary dinner will surprise you

    22 Dec 2014 | 2:30 am
    Couple's 64th anniversary dinner will surprise youKSAZYou may scratch your head, but this spot is the couple's cup of tea.Food chain where they are regularsMore to seeRing-bearer steals the showWoman transforms office cubicle
  • Khloe disputes rumors about her brother

    22 Dec 2014 | 2:30 am
    Khloe disputes rumors about her brotherGettyKhloe Kardashian took to Twitter on Saturday to address allegations about her brother, Rob, who has been staying out of the public eye.Claim she's shooting downMore in entertainmentStar denies beef with Taylor SwiftStory that hurt Reese's feelings
  • Show off your holiday spirit for a chance to win!

    22 Dec 2014 | 2:30 am
    Show off your holiday spirit for a chance to win!GettyAs festive photos from around the U.S. continue to come in, AOL.com readers are weighing in on which houses shine the brightest. Vote for your favorite holiday homeMore for the holidaysMake your Christmas tree lastThe worst gift I ever got was ...
  • Tom Brokaw makes a major announcement

    22 Dec 2014 | 2:30 am
    Tom Brokaw makes a major announcementAPThe veteran NBC journalist opened up to colleagues on Sunday about a new change in his life after enduring a challenging year.'Very encouraging news' he sharedMore headlinesDid Obama sing with Colbert? Kurds battle to recapture Sinjar
  • Dark past of NYPD cop killer comes to light

    22 Dec 2014 | 2:30 am
    Dark past of NYPD cop killer comes to light GettyA portrait of the gunman emerged Sunday as officials released details on his criminal record.Disturbing request he made moments before opening fireMore on this story Killings trigger massive backlashRift exposed in wake of shooting
  • add this feed to my.Alltop

  • Couple's 64th anniversary dinner will surprise you

    22 Dec 2014 | 2:30 am
    Couple's 64th anniversary dinner will surprise youKSAZYou may scratch your head, but this spot is the couple's cup of tea.Food chain where they are regularsMore to seeRing-bearer steals the showWoman transforms office cubicle
  • Khloe disputes rumors about her brother

    22 Dec 2014 | 2:30 am
    Khloe disputes rumors about her brotherGettyKhloe Kardashian took to Twitter on Saturday to address allegations about her brother, Rob, who has been staying out of the public eye.Claim she's shooting downMore in entertainmentStar denies beef with Taylor SwiftStory that hurt Reese's feelings
  • Show off your holiday spirit for a chance to win!

    22 Dec 2014 | 2:30 am
    Show off your holiday spirit for a chance to win!GettyAs festive photos from around the U.S. continue to come in, AOL.com readers are weighing in on which houses shine the brightest. Vote for your favorite holiday homeMore for the holidaysMake your Christmas tree lastThe worst gift I ever got was ...
  • Tom Brokaw makes a major announcement

    22 Dec 2014 | 2:30 am
    Tom Brokaw makes a major announcementAPThe veteran NBC journalist opened up to colleagues on Sunday about a new change in his life after enduring a challenging year.'Very encouraging news' he sharedMore headlinesDid Obama sing with Colbert? Kurds battle to recapture Sinjar
  • Dark past of NYPD cop killer comes to light

    22 Dec 2014 | 2:30 am
    Dark past of NYPD cop killer comes to light GettyA portrait of the gunman emerged Sunday as officials released details on his criminal record.Disturbing request he made moments before opening fireMore on this story Killings trigger massive backlashRift exposed in wake of shooting
 
  • add this feed to my.Alltop

  • Couple's 64th anniversary dinner will surprise you

    22 Dec 2014 | 2:30 am
    Couple's 64th anniversary dinner will surprise youKSAZYou may scratch your head, but this spot is the couple's cup of tea.Food chain where they are regularsMore to seeRing-bearer steals the showWoman transforms office cubicle
  • Khloe disputes rumors about her brother

    22 Dec 2014 | 2:30 am
    Khloe disputes rumors about her brotherGettyKhloe Kardashian took to Twitter on Saturday to address allegations about her brother, Rob, who has been staying out of the public eye.Claim she's shooting downMore in entertainmentStar denies beef with Taylor SwiftStory that hurt Reese's feelings
  • Show off your holiday spirit for a chance to win!

    22 Dec 2014 | 2:30 am
    Show off your holiday spirit for a chance to win!GettyAs festive photos from around the U.S. continue to come in, AOL.com readers are weighing in on which houses shine the brightest. Vote for your favorite holiday homeMore for the holidaysMake your Christmas tree lastThe worst gift I ever got was ...
  • Tom Brokaw makes a major announcement

    22 Dec 2014 | 2:30 am
    Tom Brokaw makes a major announcementAPThe veteran NBC journalist opened up to colleagues on Sunday about a new change in his life after enduring a challenging year.'Very encouraging news' he sharedMore headlinesDid Obama sing with Colbert? Kurds battle to recapture Sinjar
  • Dark past of NYPD cop killer comes to light

    22 Dec 2014 | 2:30 am
    Dark past of NYPD cop killer comes to light GettyA portrait of the gunman emerged Sunday as officials released details on his criminal record.Disturbing request he made moments before opening fireMore on this story Killings trigger massive backlashRift exposed in wake of shooting
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    Bible Money Matters

  • 10 Tips To Save Money On Your Christmas Shopping And Avoid Going Into Holiday Debt

    Peter Anderson
    17 Dec 2014 | 7:13 am
    Here are a few things you can do to plan ahead and make sure to keep Christmas a frugal holiday this year. The post 10 Tips To Save Money On Your Christmas Shopping And Avoid Going Into Holiday Debt appeared first on Bible Money Matters and was written by Peter Anderson. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • Why We Switched To Republic Wireless For Our Mobile Phone Service

    Peter Anderson
    16 Dec 2014 | 10:54 am
    Our family has been extremely happy with Republic Wireless cell service and just ported our existing mobile phone numbers over to the service. Here's why. The post Why We Switched To Republic Wireless For Our Mobile Phone Service appeared first on Bible Money Matters and was written by Peter Anderson. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • Faking A Predictable Paycheck When You Have Fluctuating Income

    Contributing Author
    15 Dec 2014 | 7:03 am
    My wife and I set out to develop a strategy that would allow us to “fake” a steady, predictable paycheck despite a fluctuating freelance income. The post Faking A Predictable Paycheck When You Have Fluctuating Income appeared first on Bible Money Matters and was written by Contributing Author. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • 3 Money Topics To Address Before Marriage

    Miranda Marquit
    5 Dec 2014 | 8:59 am
    Financial advisor Clint Gautreau points out that there are 3 main areas of finance that you should talk about before tying the knot. The post 3 Money Topics To Address Before Marriage appeared first on Bible Money Matters and was written by Miranda Marquit. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • Tablo TV Over-The-Air DVR: The Cord Cutters Dream!

    Peter Anderson
    4 Dec 2014 | 9:25 am
    If you canceled your expensive cable TV package, would you miss your DVR? Now you don't have to. The new Tablo TV over-the-air DVR is a cord cutter's dream. The post Tablo TV Over-The-Air DVR: The Cord Cutters Dream! 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

  • If You Only Read 5 Financial Books Your Entire Life, Make Sure These 5 Are Included

    Kevin
    19 Dec 2014 | 9:00 am
    There are all kinds of lists that will proclaim this or that book to be the top financial book available. But we’re going to take a different approach here. Our list is going to focus on the books that are a benefit to you in five fundamental areas: Getting out of debt Changing your attitude about money Learning the fundamentals of investing in stocks Learning how millionaires became millionaires (and how they didn’t) Avoiding life-crippling student debt, which is perhaps the most timely topic of all If you only read five financial books your entire life, make sure you read these…
  • How to Buy Gift Cards for Less

    Joe
    15 Dec 2014 | 9:00 am
    Call me cynical, but I am not all that keen on giving gift cards. I realize that gift cards have a certain vogue that makes them more appropriate than cash, but I am never quite sure if the recipient will appreciate the chosen vendor or even use the card. I know that I have received gift cards, put them away “for now,” and then discovered them months or even years later. However, purchasing bargain gift cards is an entirely different story. Why? Because, although they can be given as gifts, I prefer to emphasize the “bargain” aspect for the buyer. If you are going to buy from a…
  • How to Get Financial Help When You’re Dealing With Chronic Illness

    Kevin
    12 Dec 2014 | 9:00 am
    This is a topic that doesn’t get a whole lot of coverage in the media, or even on blogs. But getting help when you’re dealing with chronic illness or disability is a difficult process. It’s not even easy to find a flowchart or game plan that will help you to navigate the various possibilities of assistance that may be available. We’re going to attempt to do just that here – working within the realization that it can often be hit or miss, and largely depends upon your personal circumstances. Much Depends on the Nature, Extent, and Prognosis of Your Illness What complicates dealing…
  • How to get started investing in Real Estate for beginners

    Bob
    10 Dec 2014 | 9:00 am
    I have been wanting to do some real estate investing for years, but just haven’t gotten around to it yet.  We all have our excuses don’t we? But a friend of mine, Brandon Turner, is part of the largest real estate investing website out there (BiggerPockets.com), has been investing in real estate for years, and really is a great teacher and communicator. So, I figured who better to ask some questions to. In the interview below I ask him a series of questions that I am curious about as a wannabe investor and that are pretty common questions that beginners typically wonder about.
  • 12 Things You Can Learn Today That Will Make You Better at the Game of Life

    Kevin
    8 Dec 2014 | 9:00 am
    We go to school to learn hands-on skills that will enable us to be better at earning a living. But many of the skills that will make you a success in life have little or nothing to do with earning a living. They’re mostly about living your life, interacting with other people, and improving yourself. And sometimes they even help you earn a living. Here are several things you can learn how to do today that will make you better at the game of life. 1Learn How to Learn You can learn almost anything you need with a simple Google search. My son and I figured out how to change the ignition coils…
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    PT Money

  • 12 Personal Finance Podcasts to Consider for Your Commute

    Jason Price
    17 Dec 2014 | 2:30 pm
    I know a lot of people have rough commutes. After living in two major metropolitan areas and having to patiently ride out the commute to and from the office each day – I get it. 30 minutes here, 45 minutes there, and before you know it, you’re on the road for over an hour everyday. That said, I often look forward to my commuting time for a few reasons. First, I can spend time easing into my day in the morning, or switching gears to focus on other things such as education or creative thinking. Sometimes I do that with silence. However, much of the time, I listen to my favorite…
  • Save Money on End of Year Auto & Insurance Purchases

    Contributor
    16 Dec 2014 | 10:38 am
    Editor’s note: I love these tips because they’re not always the things people think about when shopping for car insurance. It’s more than just pencil to paper savings as commute time, driving habits, etc. do count! There are a number of ways to find affordable car insurance of which improving your FICO is one of my favorites. Why? In doing so, it simply means you’re paying attention to your debt to credit ratio, paying bills on-time and pursuing other healthy financial habits. If you are considering a year-end car purchase, you will likely save money as dealerships…
  • 45 Christmas Gift Ideas Under $25

    Philip Taylor
    11 Dec 2014 | 11:45 am
    We’re back with our Christmas list again for 2014. We’ve updated the list with five more gift suggestions. Are you looking for a few Christmas gift ideas to help complete your list? Well, you’ve come to the right place. Every Christmas season I wait too long and end up having trouble deciding what gifts to get my family, friends, and co-workers. This year I thought I would be pro-active and make a huge list of several, reasonably-priced ideas to choose from before I do my shopping. I’m a big fan of the consumable gifts that don’t add to the endless junk we…
  • Capital One 360 Checking Review

    Philip Taylor
    5 Dec 2014 | 8:00 am
    I’m going to give you my Capital One 360 Checking review. Not long after I opened my Capital One 360 Savings account I felt the need to have quicker, easier access to my savings. One of the best ways to achieve that is to add a Capital One 360 Checking account to the mix. I’m glad I did.  Opening a Capital One 360 (formerly ING Direct) Checking account was one of the best moves I’ve made in managing my money. It’s one of the best online checking accounts available today, if not the best. Let’s start with the basic benefits: Mobile Deposit with CheckMate For the…
  • How to Overcome Your Money Mindset Issues If You Grew Up Poor

    Emily Guy Birken
    4 Dec 2014 | 1:23 pm
    Everyone loves a great rags-to-riches story—but there is also a feeling among many of us that those stories are nothing but myths. You might think: Yes, it may be possible for anyone to become rich, powerful, and famous in America, but it’s certainly not going to happen to me or anyone I know. As it turns out, there is a clear psychological reason for that skepticism. According to a recent study published by the American Psychological Association, growing up poor can lead to a loss of your sense of control when you are faced with uncertainty. Growing up wealthy, on the other hand, means…
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    RetirementRevised

  • Charitable IRA makes a last-minute comeback for 2014

    Mark Miller
    19 Dec 2014 | 8:37 am
    Gotta love the way we make tax policy these days. Congress finally okayed charitable IRA transfers for 2014 (!) this week. This provision – which bounces in and out of existence like a yo-yo – allows IRA account owners who need to take Required Minimum Distributions (RMDs) to make direct contributions to charitable organizations, and count the donated amounts against their RMDs. The charitable IRA provision is of interest only to wealthy households with retirement assets that they don’t need to meet their own spending purposes. And if you’ve already taken your RMD for…
  • Multiemployer pension benefit cuts: A Q&A on what you need to know

    Mark Miller
    18 Dec 2014 | 7:06 am
    The last-minute deal to allow retiree pension benefit cuts as part of the federal spending bill for 2015 passed by Congress last week has set off shock waves in the U.S. retirement system. Buried in the $1.1 trillion “Cromnibus” legislation signed this week by President Barack Obama was a provision that aims to head off a looming implosion of multiemployer pension plans – traditional defined benefit plans jointly funded by groups of employers. The pension reforms affect only retirees in struggling multiemployer pension plans, but any retiree living on a defined benefit…
  • Longer life expectancies raise the bar on pensions

    Mark Miller
    15 Dec 2014 | 8:20 pm
    Americans are living longer. That’s good news for people–but it’s creating challenges in the world of traditional defined-benefit pensions. American men are living an average of two years longer than they were in 2000 (the last time the tables were revised), and women are getting an additional 2.4 years of life, according to new mortality projections from the Society of Actuaries (SOA). The SOA is the official keeper of the mortality tables used to calculate the value of future pension obligations, and longer lives mean greater cost for plan sponsors. Those new tables,…
  • When does it make sense to accelerate tax payments on retirement accounts?

    Mark Miller
    12 Dec 2014 | 8:47 am
    It’s almost a mantra of financial planning: Defer taxes on investments whenever you can, for as long as possible. But in some situations, it can make sense. Consider this: Recent Vanguard research found that 20 percent of account holders who take Required Minimum Distributions (RMDs) from retirement funds put the money in taxable accounts. In other words, they aren’t spending it. That’s because many affluent households are living mainly on income from Social Security and traditional defined benefit pensions. Another Vanguard study found that 28 percent of the wealth of mass affluent…
  • Lame duck Congress tries a lame move on pensions

    Mark Miller
    11 Dec 2014 | 2:58 pm
    The mid-term election results have changed the political landscape in a way that threatens the retirement security of middle class households. But we don’t even have to wait for the new Congress to be seated in January to know just how bad things could get. This week, the lame duck Congress pulled a lame move, inserting “Solutions Not Bailouts,” a plan to shore up struggling multiemployer pension funds – into the $1.1 trillion omnibus spending bill just approved by Congress (Update: President Obama has now signed it into law). Multiemployer pension reform is needed.
 
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    Intelligent Speculator

  • Top 101 Dividend Stocks – December 2014 Edition

    IS
    1 Dec 2014 | 2:57 am
    Every month I take a universe of stocks (typically the S&P500) and look at the top dividend paying stocks. I’m the first one to admit that yield is (just) one criteria among many others that should be considered but it is a good starting point. It is often among this universe that I’ll start my research when I’m making changes to my Ultimate Sustainable dividend portfolio. Here is the list! TickerNamePriceDividend YieldPayout RatioEx-Dvd RIGTransocean Ltd21.0114.2863.792/18/2015 DODiamond Offshore Drilling Inc29.3711.9288.6902/12/2015 WINWindstream Holdings…
  • Top 101 Dividend Stocks – November 2014 Edition – Why 101 stocks?

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

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

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

    IS
    24 Oct 2014 | 3:22 am
    My long & short trades are generally a lot more volatile than my other trading portfolios which is why despite their strong performance, I will continue to put a limited amount of cash into that account. However, given the performance of the strategy over the past 5 years, it’d certainly be tempting to put more into it in 2015. I guess I’ll discuss that when I publish my post about the lessons that I take from my 2014 trading. Today, I will be closing 3 of the 5 remaining long & short tech stock trades: Long Apple (AAPL) & Short Yelp (YELP): +44,05% – Yelp is a…
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    Don't Quit Your Day Job...

  • Inflation Adjusted Platinum Investment Return Calculator

    PK
    17 Dec 2014 | 8:07 am
    On this page we present an automatically updating (daily) platinum return calculator. Enter any two dates since April 2nd of 1990, and we will compute the annualized and total returns on money invested in platinum between those two dates. We also will automatically adjust the quoted returns for inflation, optionally, if you choose the “Adjust For Inflation (CPI)” option. The prices are PM (2:00 PM local time) London Platinum & Palladium Market clearing prices quoted in dollars per ounce. If you enjoy this calculator, please try some of our other calculators: Real Estate Return…
  • The Male-Female Unemployment Gap, Revisted

    PK
    15 Dec 2014 | 4:06 am
    For some reason, one of our articles that gets a lot of links is our expose on the Male-Female unemployment gap back in late 2011. The reasons for that gap?  Well, you surely recall the recent “Great Recession”, which happened to cause a lot of employment damage in the Construction and Finance industries, which were (and are) historically male-dominated.  The interesting trend from that article was actually the chart which showed that the last few recessions have also hit male-dominated industries. So, let’s take a new look at the 20+ male and female unemployment rates…
  • My Retirement Asset Allocation

    CameronDaniels
    12 Dec 2014 | 4:06 am
    Over the Thanksgiving weekend, I decided to play around with Morning Star’s X-Ray tool. The tool takes your entire portfolio and analyzes the asset allocation by geography, by risk level, by asset class as well as by type (growth vs. value, etc.). Here is what my current asset allocation across my portfolio is (asset type): 39% Domestic Stock 50% International Stock 8% Bonds Geographically: North America 48% Latin America 2% UK 9% Europe Developed 18% Europe Emerging 1% Africa/Middle East 1% Japan 8% Australasia 3% Asia Developed 5% Asia Emerging 4% Initial thoughts are that I’m…
  • I Quit My Day Job – Drinking from a Fire Hydrant (Part 1 of 3)

    CameronDaniels
    8 Dec 2014 | 6:09 am
    “Getting information off the Internet is like taking a drink from a fire hydrant.” – Mitchell Kapor This post is going to be the first part of a three-parter about a fresh change for one-third of the writers at Don’t Quit Your Day Job…. Since my colleague PK and I founded this website back in April of 2009, we have been gainfully employed (or enrolled in college, at least for me through 2011) and have remained at the same companies – myself in financial services and PK in the technology field. I am pleased to report that as of December 2nd, I have started a new role in a new…
  • The DQYDJ Weekender, 12/6/2014

    PK
    6 Dec 2014 | 9:48 am
    Wow, it’s been three weeks since we’ve done one of these. In our defense, I was traveling with a 14 month old (and, well, we two adults)… and hey, we produced a bunch of articles in the meantime.  You’re obviously still reading, so accept as our apology this Weekender, and don’t petition us to call this series a “monthender”. Links We Liked! Nelson of Financial Uproar defended that oh-so-capitalist holiday Black Friday.  And, yeah, I would have bought something if I wasn’t on the road with limited baggage space. At a Wealth of Common Sense, an…
 
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    Quizzle Wire

  • How to Teach Your Teen About Interest

    Miranda Marquit
    21 Dec 2014 | 6:00 am
    Money management should be near the top of the list when you think of important lessons to teach your children. Many parents acknowledge the importance of teaching their kids about budgeting, and instilling in them a solid work ethic. What’s a little more complicated is teaching your children about matters of higher finance, like interest. While you aren’t going to be able to teach your five-year-old about borrowing money and how investing can result in earning through compound interest, most teenagers are capable of understanding these concepts. “These are really important concepts for…
  • 3 Reasons When It Makes Sense to Dip Into Your Retirement Account

    Melissa Batai
    19 Dec 2014 | 6:00 am
    There are several important rules to retirement planning.  First, begin contributing to your account as early as possible.  Second, pay as little in fees as you can to keep more of your money.  Third, don’t touch your retirement fund until you’ve retired. However, there are times when it may make sense to violate rule number three and take money out of your retirement account.  Just remember that doing so, even for a good reason, can set you back financially when it comes to your retirement savings. Here are some circumstances when it makes sense to withdraw money early from your…
  • 7 Tax Breaks for Home Businesses

    Miranda Marquit
    18 Dec 2014 | 6:00 am
    As the year winds down, it’s a good time to start organizing your finances and determining whether or not you can squeeze in a few tax breaks. Even if you don’t get any new tax breaks, it’s a good time to consider reviewing your business spending throughout the year to see if what you’ve done qualifies you for business tax breaks. Here are 7 tax breaks to familiarize yourself with: Home office space If you have a dedicated home office space, you can deduct that on your taxes, whether you have bought your home, or whether you are renting. Figure out the percentage of your home that…
  • What You Should Know About UTMAs

    David Quilty
    17 Dec 2014 | 6:00 am
    If you’ve thought about opening a bank account or investment account for your child, you may have come across the term “UTMA,” which stands for “Uniform Transfers to Minors Act.” The UTMA is a law that has been enacted by most states, and allows for the transfer of property to a minor without the appointment of a guardian (a few states still follow the older Uniform Gifts to Minors Act, which is similar but has more restrictions on the types of property that can be transferred). Under the UTMA, the gifted property is managed by a custodian until the minor reaches…
  • 4 Rules for Building Credit Fast But Responsibly

    Carrie Smith
    16 Dec 2014 | 6:00 am
    Good credit has lots of benefits. It can help you get the mortgage you need to buy your dream home, or save you hundreds of dollars on insurance premiums. On the flip side, if you have poor credit you’ll be missing out on these great benefits, and likely waste a lot money in the process. So what happens when you want to change your situation and need to build credit fast? What can you do? The first step is to think about building credit as a long-term goal, and not something that will change overnight. Crash dieting doesn’t work (at least not as a long-term solution) and neither do…
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    Get Out of Debt Guy

  • UK Law Firm is Trying to Collect on My Dubai Debts

    Jon Emge
    19 Dec 2014 | 12:35 pm
    “Dear Jon, I took out a credit card in the UAE with First Gulf Bank, however I had to leave the UAE sooner than expected and was unable to clear the CC before I left. Prior to leaving I had always made payments on time, and had asked how to make payments if outside of ... The post UK Law Firm is Trying to Collect on My Dubai Debts appeared first on Get Out of Debt Guy.
  • Consumers With Mortgage Problems Continue to be Gullible Lambs

    Steve Rhode
    19 Dec 2014 | 12:24 pm
    After writing about consumer debt issues for decades now, I have to admit it gets very frustrating watching people fall for the same old scams over and over. Do people never learn or does commonsense and logic just fly out the window the minute someone shoves an official looking document in your face? The SIGTARP ... The post Consumers With Mortgage Problems Continue to be Gullible Lambs appeared...
  • Thomas Macey and Jeffrey Aleman Get Slapped by IL Board

    Steve Rhode
    18 Dec 2014 | 12:07 pm
    For some time now there has been an open action by the Illinois Attorney Registion and Disciplinary Commissions against Macey and Aleman of Legal Helpers Debt Resolution. Well the final report is out and it surprised me. Well, I wasn’t shocked that Macey and Aleman were recommended for a two year suspension as lawyers. But ... The post Thomas Macey and Jeffrey Aleman Get Slapped by IL Board...
  • How Do I Get Navient to Settle My Federal Student Loan for Less?

    Steve Rhode
    18 Dec 2014 | 11:20 am
    “Dear Steve, I have a student loan with Navient (formerly Sallie Mae). A relative of mine has come into some money and has offered to pay on the load (in full), however, they have urged me to try and negotiate a settlement deal. Having spoken to my friends at Navient, I was informed by three ... The post How Do I Get Navient to Settle My Federal Student Loan for Less? appeared first on Get...
  • AFBC and Student Loan Payment Reduction Department

    Steve Rhode
    18 Dec 2014 | 10:37 am
    An amazing reader, JMAN sent in a new debt relief mailer through my I Buy Junk Mail program. This one is for something called the Student Loan Document Preparation and Processing Services Program, Student Loan Payment Reduction Department, and AF Student Services. The key here is nothing in this self mailer is clearcut. The outside ... The post AFBC and Student Loan Payment Reduction Department...
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    Creditshout

  • Gold Delta SkyMiles® Credit Card from American Express Review

    Kevin
    20 Dec 2014 | 1:04 pm
    CREDITSHOUT RATING: Very Good Verdict: The Gold Delta SkyMiles® Credit Card from American Express offers a quicker way to get Delta SkyMiles and be on your way towards free flights, merchandise and gift cards. Overview The Gold Delta SkyMiles® Credit Card from American Express is a great card for earning quick rewards. The Delta SkyMiles Program can be used on airfare, upgrades and much more, and you will earn miles for virtually all spending with no limit on how much you can earn. The card also gives you extra benefits when you fly Delta. Key features of the card include: 30,000 bonus…
  • American Express Premier Rewards Gold Card Review

    Dan Rafter
    20 Dec 2014 | 12:37 pm
    CREDITSHOUT RATING: Excellent Verdict: The American Express(R) Premier Rewards Gold Card is a great card with a solid rewards structure and a ton of additional perks. With this card you can earn 3X points on airfare, 2X points on gas and groceries, and 1X points on everything else – year round. The annual fee is waved for the first year and you can also take advantage of a great sign-up bonus now: earn 25,000 bonus points when you spend $2,000 during the first 3 months. Overview: If you plan on charging a significant amount of purchases, the American Express Premier Rewards Gold Card…
  • American Express Blue Cash Review: Updated for 2014

    Kevin
    8 Dec 2014 | 3:10 am
    CREDITSHOUT RATING: Excellent Sign Up Bonus: American Express is now also offering a welcome bonus of a free year of Amazon Prime plus $50 back after you spend $1,000 during the first three months. The Amazon Prime subscription is a $99 value! Verdict: On top of being our favorite overall rewards card, Blue Cash Everyday is currently the best card out there for saving on gas and groceries. In addition to other rewards, you can get unlimited 2% cash back on gas and purchases at ANY U.S. stand-alone gas station with the standard version of card, or 3% back with the preferred version.
  • Chase Freedom Card Review

    Kevin
    8 Dec 2014 | 3:10 am
    CREDITSHOUT RATING: Excellent Verdict: The Chase Freedom® Visa has one of the best rewards program in the business. What I like about this card is that you can redeem your points for either cash back or rewards. The Chase Freedom card offers 5% cash back on up to $1,500 spent in categories that rotate through out the year which is very competitive with similar cards offered by American Express and Discover. The card earns you a flat 1% back on all other spending, which makes it a great all-around credit card to use for easy cash back. Chase Freedom Rewards Program The Chase Freedom Visa…
  • Chase Sapphire Card Review

    Kevin
    7 Dec 2014 | 7:58 am
    CREDITSHOUT RATING: Very Good Overall Chase Sapphire is an ideal card for people who spend a lot on dining and airfare and want to earn rewards. This is because of the fact that you earn 2x points dining and with the preferred version you can earn 2x points on dining AND airfare. This card also currently offers a ton of additional perks for cardholders (including free travel insurance) and is highly recommended for those with excellent credit. Chase Sapphire Rewards Program Chase Sapphire is a rewards credit card that allows you to earn one point for every dollar spent on all of your…
 
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    Credit Card Chaser

  • New Year’s Resolutions to Save You Money

    Alice
    19 Dec 2014 | 3:26 pm
    The last couple of weeks before the New Year mark a time when people relax and have fun. However, this is also the time when financial worries loom over most people’s heads. A new year can be a new beginning for all areas of life and finances are no different. The following are some New Year’s resolutions that would save people a lot of money – 1. Improve Savings – Saving rates are at an all-time high in America as compared to the past couple of years. The reason is that people have realized the importance of short term saving in light of long term saving. The economic situation has…
  • Why Did My Credit Score Drop?

    Alice
    12 Dec 2014 | 2:37 pm
    There are many reasons that a credit score can drop. Some of the reasons are obvious, while others are subtle. In some cases a credit score can drop far, while at other times a credit score may only drop a few points for reasons that escape the consumer. The following are things that can affect a consumer’s credit score in ways that may not be obvious. Keep in mind that some of these causes can influence a credit rating more than others. One Late Payment Although most people are aware that late payments can bring down a credit score, it only takes a single payment for this to happen. Often…
  • Are Other People Keeping You Poor?

    Alice
    5 Dec 2014 | 4:51 pm
    Nobody wants to be poor yet, somehow, it always seems like you can never achieve financial freedom. No matter how hard you budget or plan, the savings never grow. Take a deep breath and take a step back. Maybe it’s the people around you thwarting your financial potential. The Child Kids are expensive, costing the average person around $245,000 for 18 years of support. On top of this, over half of the population’s pregnancies are accidental, forcing many to simply stumble through their financial life, hoping they stay employed long enough to rear their child or children. The best thing to…
  • Ways to Save Money this Holiday Season

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

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

  • The 4-Step Minimalist Guide To Success

    Fitz
    21 Dec 2014 | 12:02 pm
    Each person has his own definition of success. But the path that leads to it, is the same for everyone. Follow these four steps, and you’ll find yours. Step 1: Courage Be brave and challenge your status quo. Face your fears. Banish your doubts. Take risks. Go out of your comfort zone. Step 2: Realization […]Note:This is just a preview. Read the full article at Ready To Be Rich by clicking this link: The 4-Step Minimalist Guide To SuccessAttend a FREE Personal Finance SeminarLearn practical money management and investing strategies from the IMG Wealth Academy. Get more details…
  • On Achieving Financial Freedom and A Richer Life

    Fitz
    16 Dec 2014 | 10:19 am
    My stock broker, COL Financial has recently been interviewing some of their clients for a special project, and a few months ago, they contacted me to be part of that list. And finally, after months of waiting, my video’s out and you can watch it below. It’s entitled, Achieving Financial Freedom, and it’s a short […]Note:This is just a preview. Read the full article at Ready To Be Rich by clicking this link: On Achieving Financial Freedom and A Richer LifeAttend a FREE Personal Finance SeminarLearn practical money management and investing strategies from the IMG Wealth…
  • 10 New Year’s Resolutions That You Should Consider Doing

    Fitz
    14 Dec 2014 | 12:01 pm
    Two more weeks before the year ends, and if you’re someone who likes making New Year’s Resolutions, then you should know that the best time to start making and doing them is now. Why? Because you have a couple of weeks to test your strategy, and it helps build momentum – so that when the […]Note:This is just a preview. Read the full article at Ready To Be Rich by clicking this link: 10 New Year’s Resolutions That You Should Consider DoingAttend a FREE Personal Finance SeminarLearn practical money management and investing strategies from the IMG Wealth Academy.
  • 5 Simple Rules For Living Your Life With No Regrets

    Fitz
    13 Dec 2014 | 2:09 pm
    American novelist Kurt Vonnegut once said, “Of all the words of mice and men, the saddest are: It might have been.” Indeed, getting to the end of your life burdened with “could have’s” and “should have’s” is a painful experience that no person wants to happen. But how do you avoid living a life full […]Note:This is just a preview. Read the full article at Ready To Be Rich by clicking this link: 5 Simple Rules For Living Your Life With No RegretsAttend a FREE Personal Finance SeminarLearn practical money management and investing strategies…
  • Join My Webinar: Stock Market Investing For Beginners

    Fitz
    10 Dec 2014 | 5:19 pm
    It was 2001 when I first opened an account with a stock broker. I deposited P10,000 with big hopes that I could turn it into a million pesos in a few months. I certainly believed it was possible, because the stock market is one of the best places to grow your money – at least […]Note:This is just a preview. Read the full article at Ready To Be Rich by clicking this link: Join My Webinar: Stock Market Investing For BeginnersAttend a FREE Personal Finance SeminarLearn practical money management and investing strategies from the IMG Wealth Academy. Get more details here.
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    Cash Flow Planning for Life

  • Are You Ready to File Your Independent Contractor Tax Forms?

    Mark
    19 Dec 2014 | 10:00 am
    You probably think you are ready to file because you have received a 1099 for your services, held on to all your receipts, and have all your documents in order. This is the sixth installment of Independent Contractor Taxes…Know Your Options. It can be downloaded from our eBook library. It seems like everything is falling into to place with your Independent Contractor status. Once you file your Independent Contractor Tax Forms, it will be smooth sailing! Wrong! Have you… … done all of your homework? First – did you determine your independent contractor status based on The…
  • Do You Know the Business Deductions You Qualify For as an Independent Contractor?

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

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

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

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

  • What’s happening to FSB?

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

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

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

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

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

  • Get a Canon EOS Rebel T5i at Best Buy

    Lisa Thompson
    20 Dec 2014 | 6:46 pm
    Disclosure: The reviewer has been compensated in the form of a Best Buy Gift Card and/or received the product/service at a reduced price or for free. Are you thinking about buying a camera to capture your holiday memories?  Best Buy is the ultimate destination for the latest cameras to capture your holiday memories. Three years ago at Christmastime, a young girl from Afghanistan moved in with us.  She was in the US seeking political asylum and she needed a place to stay.  Since it was just a two weeks before Christmas and since I knew nothing about her til she moved in, I was scrambling…
  • Easy Cheesy Garlic Breadsticks

    Lisa Thompson
    20 Dec 2014 | 4:29 pm
    I love football season! I’m actually watching the Eagles play the Redskins as I type this up! {Go Eagles!} If you’re looking for a great snack during football season, these Easy Cheesy Garlic Breadsticks are the perfect blend of spicy, cheesy, warm, and gooey!  Plus, they’re made from refrigerated pizza crust, so it can be made quickly!  The best part is that you can adjust the amount of cheese and spices to suit your tastebuds! INGREDIENTS 1 can Refrigerated Pizza Crust 1 tbsp softened Butter 1 tbsp Minced Garlic 1/2 cup shredded Mozzarella Cheese (or more if you like it…
  • Great Holiday Gift Ideas from Best Buy

    Lisa Thompson
    20 Dec 2014 | 2:09 pm
    Disclaimer: The reviewer has been compensated in the form of a Best Buy Gift Card and/or received the product/service at a reduced price or for free. I have a technology loving family!  We all love our electronics, but we don’t all love the same ones!  Thankfully, Best Buy has something for everyone on my list! My 3 youngest kids love video games!  They’d play for hours if I let them, but I’m one of those mean moms who limits screen time! If you have a gamer in your life, you’ll want to check out the Xbox One. Xbox One was built by gamers, for gamers. They have…
  • Hickory Farms: Tradition of Giving Back

    Lisa Thompson
    19 Dec 2014 | 8:52 pm
    I loved the traditions our family had growing up…and I love the traditions I’m creating with my own family.  Traditions matter because they allow us to look forward to our future while remembering our past.  I love reminiscing about past holidays and sharing the stories and picture with my kids.  {I’m pretty sure the teens just like looking at the pictures so they can mock my big hair, but they listen anyway.} Hickory Farms is also big on tradition!  For more than 60 years Hickory Farms has been providing holiday shoppers with options that are delicious and that make…
  • It’s Not Too Late to Send Cards Thanks to Tiny Prints

    Lisa Thompson
    19 Dec 2014 | 2:10 am
    Good news procrastinators!  You can still send amazing Christmas cards and get them to your favorite people by Christmas Eve. {This is great news for me since I’ve been flat on my back with a disc injury and haven’t even thought about cards!} Just because you (and I) waited until the last minute doesn’t mean you’re stuck with cheesy cards from the store. Send something in style. And if you use Tiny Prints, you can save $10 on their super rush shipping. Your cards will be delivered by Christmas Eve if you live in the lower 48 states. Here’s how it works: 1. Go…
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    Personal Dividends

  • Could You Live Below the Poverty Line?

    Tom Drake
    16 Dec 2014 | 5:00 am
    We’ve been hearing a lot lately about the wealth gap in the United States, as well as the growing number of poor people. But what constitutes “poor”? One of the measures used by many is the poverty line. Every year, the United States government puts out federal guidelines about what constitutes living in poverty, basing changes on inflation. Whether or not you are considered to be living in poverty depends on the size of your household, as well as how much money you make. For 2014, the poverty line is drawn at $11,670 in annual income for a single person. For a household of…
  • What Do You Expect Your Money to Do For You?

    Miranda Marquit
    9 Dec 2014 | 5:00 am
    One of the things I find most interesting about the interactions between people and their money is the fact that so many of them have no idea what they want their money to do for them. They pay the bills, buy a few things, set aside money for retirement, and may even follow a number of financial rules of thumb. However, when they get right down to it, they are unsatisfied with the situation, and with the money that they have. It’s not always a question of whether or not you have “enough” to meet your needs. In many cases, part of the reason is that you really don’t…
  • Is Being Middle Class No Longer Enough?

    Miranda Marquit
    2 Dec 2014 | 5:00 am
    We often think about “being middle class” as living with enough. If you’re middle class, you might not be “rich,” but you usually have enough to cover your needs and some of your wants. We often think of being middle class as being able to handle what you need, as well as maybe take a vacation every couple of years, or enjoy some small luxuries in life. A recent article from USA Today, though, suggests that not everyone in the middle class can afford some of the things we used to think about as a matter of course. Here are some of the things that the USA Today…
  • Want a Little Tax-Advantaged Investment Boost? Try the HSA

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

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

  • Last Christmas Delivery Dates 2014

    Rob Lewis
    17 Dec 2014 | 2:18 pm
    As we approach Christmas day, it can be useful to know when the last dates that you can get those last-minute presents delivered from online stores. Parcel delivery comparison site Parcel2Go.com has put together the following handy alphabetical list of last order dates, including last dates for standard and express delivery, for a range of major stores. The good news is that there’s still time to order if you’re still shopping; the bad news is you’ll need to be quick, as the numbers of stores who you can order from and still get your presents before Christmas is starting…
  • Interactive Tool To Help You Fight Fraud

    Rob Lewis
    27 Nov 2014 | 11:30 pm
    According to Financial Fraud Action UK, fraud cost the British population more than £600m last year. This fraud relates to criminal attacks and scams that take place through a variety of methods including computer malware, identity theft, telephone banking and online shopping. To help reduce fraud in 2014, Natwest have built an online tool to help us understand the tactics that criminals are using, and more importantly, learn how we can protect ourselves. To have a play with the tool, start by dragging the circle to the right below:
  • Brits To Spend £1.5billion On “Cyber Monday”

    Rob Lewis
    27 Nov 2014 | 2:41 pm
    It has been revealed that two thirds of Britons are set to shop online during the discount holiday, ‘Cyber Monday’ (1st December this year), with 62% of shoppers planning to purchase gifts on the promotional day, which will see online retailers drastically cut their prices. Overall, the research calculated that the nation as a whole is expected to part with over £1.5billion online on this day alone. The research, conducted by www.vouchercloud.com, polled 2,478 British adults, all of whom were 18 years old or over, with an even split of male and female respondents. The survey was…
  • Black Friday iTunes Discount

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

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

  • Credit Repair Services Can Be Scams

    Sandy Smith
    1 Dec 2014 | 9:24 am
    You’ve seen and heard the advertisements just about everywhere: “We can fix your credit – guaranteed!” “We erase bad debt, liens, judgement from your report forever.” Ads for credit repair services appear frequently online, in print and on television.  They are designed to lure you into thinking that these credit repair companies have the magic formula for fixing what ails your credit.  If you’re desperate enough to believe these ads, you just might be setting yourself up for an expensive scam that could cost you more than your fee. Before I go further, let…
  • Finance 101: Understanding Your Flexible Savings Account (FSA)

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

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

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

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

  • Cheap Workout Sunday Report 11

    Money Reasons
    17 Dec 2014 | 7:41 pm
    I was really late on this!  I didn’t workout Sunday or Monday, but on Tuesday!!!  I didn’t feel like my body was ready until Tuesday…I’m feeling a little off today with an upset stomach, my left knee hurts still, so I’m dropping off the last two exercises that I normally would do.  Seems like a bad week, but I’m kind of desperate this week…These last few months I decided not to aggressively try to lose weight and instead I focused on gaining strength.  While I wasn’t trying to maintain a steady weight, for that most part that is what has…
  • Cheap Workout Sunday Report 10

    Money Reasons
    8 Dec 2014 | 6:50 pm
    Okay, this past week was weird in every sense.  First my triceps were feeling really odd.  The best phrase I could use to describe the feeling was a guitar string being twang every 5 minutes.  That was Wednesday and Thursday of last week…While my body didn’t hurt like the past weeks, my chest muscles (pecs) were pretty tender (especially the right side), and my right tri actually hurt a little when I touched it (this was very weird!).  So I approached this workout session with some trepidation about hurting myself because I’m moving too quickly in fairly quick strength…
  • Is OPEC Giving the World a Stealth Stimulus Package and Other Considerations

    Money Reasons
    2 Dec 2014 | 9:48 am
    Before I begin, let me define what the acronym OPEC stands for…  OPEC stands for “Organization of the Petroleum Exporting Countries” and represents mostly the middle eastern countries, but also outliers countries like Venezuela.At the last OPEC meeting (11/27/2014), OPEC decided not to cut oil production and for many countries the decision was kind of like a stealth stimulus package.  When oil is cheaper, that means goods are cheaper and people send more!  I know personally with falling gas prices, I’m less worried about driving too much than I was a few months…
  • Cheap Workout Sunday Report 9

    Money Reasons
    30 Nov 2014 | 8:01 pm
    Not much to say today, my accomplishments were good, but hard and heavy for me.  We’ll see next week how it goes.Bench:45 lbs –   Truly a warmup set now.135 lbs – 8 reps, this is pretty much a warmup set now too.185 lbs –  8 reps (not too bad, pretty easy).205 lbs –  9 reps (met my goal, but tired for 10 and failed… but still good)225 lbs –  3 rep (I got three reps, but the third one was really hard!)165 lbs – warm down set (8 reps, very easy.)Curls (I’ve decided to take it easy with curling, no rush) 25 lbs – for 8 reps35 lbs – for 8 reps45 lbs – for 8…
  • Cheap Workout Sunday Report 8

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

  • December Wealth Tip

    Camille Gaines
    13 Dec 2014 | 7:35 am
     December Wealth Tip: Remember to take any required IRA distributions before year end. Inherited IRA’s often have withdrawal requirements, too. If you don’t work with a financial planner or CPA, call your brokerage firm and ask. The estate planning department can usually help you  quickly, for free.         The post December Wealth Tip appeared first on Financial Woman.
  • Financial Survey Reveals Women Need Less Than Men To Feel Wealthy

    Camille Gaines
    11 Dec 2014 | 12:20 pm
    A new financial survey reveals that women need to earn less than men to feel wealthy. The Herald Online article states: Men are almost twice as likely as women to say they need an annual income of $500k or more to feel wealthy according to the 2014 Harris Poll financial survey. Read the entire article here. Financial Woman Insight… Many women are still conditioned from centuries of believing that they are less capable of wealth than men, leading them to settle for less income. On the other hand, maybe we equate wealth with other factors more than income, such as a quality of life, a career…
  • The Financial Freedom Magical Place

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

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

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

  • Escaping the Paycheck-to-Paycheck Lifestyle

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

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

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

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

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

  • Strategies For Getting Out Of Credit Card Debt

    Jason Steele
    19 Dec 2014 | 4:00 am
    Getting out of credit card debt is one of the most difficult challenges in all of personal finance. Cardholders in debt continue to see their interest charges accruing each month, based on their average daily balance. And as unsecured debt, credit cards have relatively high interest rates compared to home, car, and student loans. Furthermore, […]
  • Activate Your Q4 2014 Quarterly Bonuses Now

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

    Jason Steele
    15 Dec 2014 | 4:00 am
    This December, credit card users who are in debt will need a balance transfer offer with 0% APR promotional financing. Opening up one of these accounts allows cardholders to take a break from their interest charges while they pay down their debt. And without these interest charges constantly accumulating, credit card users can devote their savings […]
  • Chase Slate Now Offers An EMV Smart Chip

    Jason Steele
    12 Dec 2014 | 4:00 am
    In the last year, the subject of credit card security has moved from an obscure topic of interest to credit card experts, to a regular feature in the nightly news. The difference has been a series of high profile security breaches among major retailers. In response, the credit card industry has been publicizing its long […]
  • Understanding Promotional Financing Versus Deferred Interest

    Jason Steele
    10 Dec 2014 | 4:00 am
    Credit card users can find promotional financing offers to be extremely attractive. These offers allow cardholders to avoid interest charges, which can amount to hundreds of dollars in interest savings. Unfortunately, not all promotional financing offers are created equal, and some can be quite risky to cardholders. How deferred interest financing works Some retailers offer […]
 
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    Credit.com

  • Is 2015 the Year to Sell Your House?

    Chris Birk
    20 Dec 2014 | 9:01 pm
    Home price gains are slowing, credit is thawing and more first-time buyers may be hitting the real estate market in 2015. Better balance in the housing sector is “in” next year, as far as trends go. That’s likely to put buyers and sellers on a more even footing. Some prospective sellers sound especially bullish on housing. In a recent Trulia survey, the biggest chunk of consumers – 36% – said they expect next year to be much or a little better than 2014 for selling a home. To be sure, like politics, all real estate is local. Some sellers have stayed on the sidelines in recent years,…
  • Dreaming of a Second Home? 5 Options

    AJ Smith
    20 Dec 2014 | 9:01 pm
    Do you prefer lounging on the beach or boating on a lake? Maybe you just want to hike in the woods during your free time. If you are lucky enough to be in a position to buy a second home, it’s important to think carefully about what kind of home you want. Almost any permanent structure with a kitchen, bathroom and sleeping facility qualifies as a second home by IRS standards, but that leaves plenty to choose from. Check out the following list of different types of second homes you can buy and see which is right for you. 1. Beach House Coastal cities and beach sunsets might just be…
  • Why Hotels Put a Hold on Your Credit Card

    Christopher Elliott
    20 Dec 2014 | 9:01 pm
    It’s like an episode of “Unsolved Mysteries” that plays itself endlessly for travelers. It happened to Judith Searcy when she stayed at the Portland Marriott Downtown Waterfront in Oregon this summer. If you check your credit card statement, you may find that it has happened to you, too. For Searcy, the mystery was a $518 pending charge to her card after she checked out of the Marriott. “I had not been told of this charge, nor did I have any documentation for it,” says Searcy, who is retired and lives in Austin. She phoned Marriott, which asked her to leave a voice mail for a…
  • 10 Gifts You Shouldn’t Get for the Man in Your Life

    Maryalene LaPonsie
    19 Dec 2014 | 9:01 pm
    Shopping for men can be tough. Whether it’s the guy you just started dating or the man you’ve been married to for years, certain items should be no-nos when it comes to holiday gifting. 1. Ties Nothing screams “man gift” quite like a tie. Dads around the world cringe at the thought of the ties that will be coming on Father’s Day. Don’t buy them one on their birthday, Christmas and Kwanzaa, too. More to the point, as a 30-something, I think I can count on one hand the number of men I know who actually wear ties. And all those men wear ties for work. Who wants to think of work on a…
  • How to Treat Yourself Without Breaking Your Christmas Budget

    Gerri Detweiler
    19 Dec 2014 | 9:01 pm
    Ever go gift shopping for somebody else and come away with something for you, too? I have, just recently. I went into a store with a friend, looking for a sweater for my daughter and ended up buying myself two on sale. I hadn’t planned to, but they were good deals, and I got an extra 25% off for using my store card. (Yes — one for you, two for me …) The retailers know we do it. That’s why the stores advertise a sale as “our gift to you,” or offer buy-one, get-one-free sales. We can rationalize that the second one (the one we keep) was the free one. A survey…
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    Centsible Life

  • Money Saving Heating & Cooling with Dyson Hot + Cold fan

    Kelly
    21 Dec 2014 | 9:00 am
    Frugal folks often talk about saving on energy costs. It can pricey to heat and cool a home, so we’re always looking for ways to save while still being comfortable. There are lots of ways to save on your energy bill, but the biggest win usually comes from turning down the temperature in your home in the winter and turning up the temperature when it’s hot outside. I’m the first to admit this is one of the ways I fail at frugality. I’m always cold in the winter, and I am not a fan of heat and humidity either. I’d rather spend a bit more on energy costs if it means…
  • Use Popmoney for the Holidays {sponsored}

    Kelly
    20 Dec 2014 | 6:00 am
    The holidays are all about giving. From giving gifts to giving back, there is a LOT of money exchanging hands. While it’s tempting to give monetary gifts in the form of gift cards there’s an even better way to give money this holiday season. It’s called Popmoney. Popmoney is a personal payment service that allows you to send money to almost anyone in the U.S. Funds go directly from your bank account to theirs. All you need is their name and email address or mobile number to send money. Benefits of Popmoney Send, request and receive money with just about anyone online or through your…
  • Casual Holiday Winter Looks with Lee #FashionFriday

    Kelly
    19 Dec 2014 | 9:23 am
    The holidays are here, and with them so many gatherings and celebrations. That also means getting dressed for the holidays, and that can be stressful if you don’t have a go-to pair of jeans. We have casual holiday celebrations, but even in a more upscale setting a great pair of jeans with the right top and accessories can be perfect this holiday season. Most importantly you’ll want something that not only looks good and fits well, but has plenty of stretch for running errands, wrapping gifts, and all the holiday eating you’ll do! Lee sent me a pair of jeans to try out for…
  • Shop Smartphones and Tablets for Less for the Holidays

    Kelly
    19 Dec 2014 | 7:00 am
    Are you buying a phone or tablet for a child on your list this holiday season? Buying a phone or tablet is a popular choice especially for tweens and teens. A phone or tablet is not only a good way to stay in touch, but they also provide a great way for kids to get work done on the go. Many schools even use tablets for homework, classwork, and to provide extra help for students. But how can you buy a cell phone or tablet without spending a fortune? I’ve shared how we upgrade our phones for free, but when you’re getting a phone or tablet for your child looking for a certified…
  • Give Experience Gifts with LivingSocial {sponsored}

    Kelly
    18 Dec 2014 | 9:32 am
    Experience gifts make amazing holiday gifts. Giving the gift of a spa day, wine tasting, evening out, or something more thrilling like flying lessons or race car driving can make the holidays special. Then there are the kids on your list. Experience gifts make wonderful gifts for the kids on your list, too. Gifts like museum memberships, passes to play spaces, and so much more are sure to make their holiday special. Finding experience gifts on a budget can be a challenge, but by shopping on LivingSocial you will not only get great gifting ideas, but you’ll find great prices.
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    The Daily Reckoning

  • Can Money Printing Cause Deflation?

    Marc Faber
    19 Dec 2014 | 4:30 pm
    This post Can Money Printing Cause Deflation? appeared first on Daily Reckoning. We know that “money printing” distorts the level of relative prices in an economy because, at certain times, some prices may increase faster than other prices. At other times, during another phase of monetary inflation, the prices of different goods, services and assets may increase while formerly rising prices might decline — if not in absolute terms, then in relative terms (commodity prices in the last few years). Over the last 45 years I have observed that, in countries with high monetary inflation,…
  • Forget the Oil Crash – Crush the Market With Biotech Stocks

    Greg Guenthner
    19 Dec 2014 | 12:10 pm
    This post Forget the Oil Crash – Crush the Market With Biotech Stocks appeared first on Daily Reckoning. The financial media is playing the “when will oil bottom?” game to help fill the 24-hour news cycle—but that’s not going to make you money. So, today I have a trade that will… Sure, crude just took a breather to plug the leaks. It even jumped a couple of bucks. But when all was said and done yesterday, oil landed right back on its ass, like an old drunk falling down a flight of stairs. But this game of chicken with busted energy names is just a distraction for speculators.
  • How to Make the Casinos Pay You for a Change

    Greg Guenthner
    18 Dec 2014 | 9:54 am
    This post How to Make the Casinos Pay You for a Change appeared first on Daily Reckoning. Hooray! The stock market is saved! Well, most of it. After yesterday’s broad advance, things are looking a lot less terrible. Except for one dismal sector… Yesterday’s huge rally exposed the bottom-dwellers, which can’t find a place to hide from Mr. Market. None of these stocks can catch a bid these days. And we’re going to cut one of them out of your portfolio today. You’ll be all smiles once you jettison this position for an easy double-digit gain. I’ll explain how you can collect your…
  • How Low Will Oil Go – And What Can You Do?

    Matt Insley
    18 Dec 2014 | 9:48 am
    This post How Low Will Oil Go – And What Can You Do? appeared first on Daily Reckoning. Last week, the price of oil broke below $60 per barrel, representing a $40+ discount since June. The oil market has been under siege for six months. It’s been a bloodbath. And the blood is running in the streets more than ever today. From service providers to producers this downturn has been painful. We’re witnessing a true “sky is falling” mentality in the shale space. Is it warranted? Where to from here? Let’s take a look… The first caveat to today’s bottom-fishing oil alert is that…
  • Cuba’s Berlin Wall Moment

    Peter Coyne
    18 Dec 2014 | 9:35 am
    This post Cuba’s Berlin Wall Moment appeared first on Daily Reckoning. We interrupt this week’s discussion on deflation briefly to bring you an important announcement from our colleague Paul Mampilly… “I have a selfie with the future Cuban ambassador!” Recall, Paul and I traveled to Cuba three weeks ago. “In five to ten years” I forecasted from the scene on November 17, “Cuba will be the hotspot for American tourists.’ Yesterday, it seemed like that call’s on track.  Ahead of schedule, even, thank you very much. The incredulous looking fellow over Paul’s shoulder in…
 
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    Canadian Finance Blog

  • Could You Benefit from Questrade’s Portfolio IQ?

    Tom Drake
    22 Dec 2014 | 2:00 am
    For many middle class Canadians, getting advice when it comes to managing an investment portfolio has been difficult. Many of the major firms won’t manage your portfolio unless you have at least $100,000 in assets. For many, that means that it is necessary to manage their own portfolios. It can also mean a large amount of real returns being eaten up by transaction fees. In recent years, though, technology has advanced, and new investment products have been introduced. The result of this reality is that new opportunities are arising for Canadians who are interested in being able to get…
  • Average Tax Rate: How Much Tax Are You Really Paying?

    Tom Drake
    15 Dec 2014 | 2:00 am
    The amount of tax you pay can be expressed in two different ways, marginal tax rate and average tax rate. While marginal tax rate is the tax rate paid on the last dollar you earn, your average tax rate is simply calculated as your total income tax divided by your total taxable income. This is an important distinction, since your marginal rate doesn’t give you an accurate view of what your actual tax rate is. Your marginal tax rate might 32%, but you aren’t paying 32% in income tax on all of your income. You’re only paying that amount on the income that is above the…
  • What Is Marginal Tax Rate and How Does It Work?

    Tom Drake
    8 Dec 2014 | 2:00 am
    We hear a lot about tax rates. Often, what we pay in taxes is expressed as a percentage of income. However, it’s important to understand that the tax rate you pay doesn’t apply to your entire income. Instead, you will pay taxes based on a formula that looks at was is called the marginal tax rate. What is Your Marginal Tax Rate? Your marginal tax rate is the tax you pay on your last dollar of income. However, and more importantly for tax planning, your marginal tax rate is also what you’ll likely pay on your next dollar earned. Since Canada operates on tax brackets, you will pay…
  • PC Financial Online Banking: Why I Chose President’s Choice Financial

    Tom Drake
    1 Dec 2014 | 2:00 am
    Choosing a bank is one of the most important decisions you can make for your finances. Personally, I use PC Financial online banking for the no-fee account, but there are plenty of other banking options available with PC Financial online as well. When choosing a bank, make sure that you consider your lifestyle and your banking needs, as well as consider what you hope to accomplish with your account. Your bank needs to fit your lifestyle and your individual circumstances. Online banking has become popular because it’s possible to get the convenience of 24/7 banking, as well as save money on…
  • Be Prepared with an Emergency Kit for Your Car

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

  • Best 2014 Stocks Update

    DivGuy
    8 Dec 2014 | 1:00 am
    I took a pause from updating my Best 2014 Dividend Stocks portfolios over the last couple of months as I felt it was redundant to repeat the same stuff over and over again. Now that we are approaching the final countdown to the end of 2014, it was time to make a last update before we pull out the final numbers. For the first time this year, both my portfolio lag their benchmarks. This sucks… but as many portfolio managers do in real life, I’ve followed my convictions and this time, I headed in the wrong direction.   Oil is Killing my Portfolios, Is it the Same for You?   Since…
  • Buy & Hold – Boring and Outdated Way to Invest?

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

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

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

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

  • 8 Holiday Party Ideas, Easy on Your Budget

    SpendLessTV.com
    1 Dec 2014 | 5:00 am
    Entertaining on a budget isn’t always easy, and the holiday season puts even more added demands and challenges on your  budget. This is, after all, a time to bring in some brightness and share some fun with friends and family.  Is it really possible to enjoy hosting a holiday party without breaking the bank or over-stretching your wallet? Absolutely! We’ve posted several entries on holiday entertaining on a budget before, and this year is no exception. Here are 8 videos loaded with pointers to host a party on a budget, from decorations to serving food, to dealing with holiday…
  • Thanksgiving, Thankfully Budget Friendly

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

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

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

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

  • Breaking the Debt Cycle

    Sarah Milton
    17 Dec 2014 | 4:00 am
    “Without struggle, no progress and no result. Every breaking of habit produces a change in the machine.” – George Gurdjieff We live in a society that, not only encourages us to spend but which also makes it really easy for us to spend money we haven’t even earned yet. When... Read more The post Breaking the Debt Cycle appeared first on MoneyProblems.ca.
  • Personal Finance Resources At Your Fingertips

    Moneyproblems Answers
    11 Dec 2014 | 4:12 am
    While many criticize the lack of financial literacy in our schools or the shortage of unbiased advice from financial experts, the truth is there is a lot of free and useful information available on the internet to help you manage your money better and hopefully pay down debt. The trick is finding... Read more The post Personal Finance Resources At Your Fingertips appeared first on MoneyProblems.ca.
  • How To Choose The Right Debt Consolidation Loan

    Moneyproblems Answers
    10 Dec 2014 | 4:00 am
    Whether you are refinancing, consolidating your debt or looking for a new loan, there are many credit products in the market today to choose from. Like any loan, debt consolidation loans can differ in terms of interest rates, fees, payment schedules and flexibility. What type of debt consolidation product you choose will depend upon... Read more The post How To Choose The Right Debt Consolidation Loan appeared first on MoneyProblems.ca.
  • The True Cost of Christmas Credit

    Moneyproblems Answers
    3 Dec 2014 | 4:00 am
    Running up balances on your credit card over the holidays is something most Canadians face. However if you can’t pay those balances off in full after the season is over, you will find the cost of your Christmas purchases can almost triple. Our infographic outlines the true cost of using... Read more The post The True Cost of Christmas Credit appeared first on MoneyProblems.ca.
  • Mortgages: How Big is Too Big?

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

  • What’s happening to FSB?

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

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

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

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

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

  • 10 Financial And Helpful Moves To Make Every Year

    Financial Samurai
    21 Dec 2014 | 3:28 am
    Cheers to the best time of the year! The end of the year is always the best time to reflect and plan. I’d like to share several financial moves you should make before the new year in order to protect your wealth and hopefully grow your wealth in a risk-adjusted manner next year. Those of us who invested in stocks, real estate, and many other asset classes except for oil should be feeling fortunate. But don’t forget that good times seldom last forever. Never forget the Armageddon days of the 1997 Asian Financial Crisis, the 2000 dotcom implosion, and the housing + financial…
  • Losing A Property Bidding War Never Felt So Good

    Financial Samurai
    19 Dec 2014 | 3:25 am
    Party at my house! It took about three months of intense searching to find my new home in the western portion of San Francisco largely because I was unfamiliar with the area and price points. Every house I saw looked cheap compared to where I used to live, hence I needed time to recalibrate my thinking. I must imagine Californians retiring to places like Florida, Texas, Washington, Nevada, and Oregon must go through the same recalibration process since everywhere is so much less expensive. During my house hunt, I met a number of realtors. Some were good, some were clueless. There was this…
  • Your Friends Really Do Influence Your Spending Habits

    Financial Samurai
    17 Dec 2014 | 3:38 am
    Watching Roger Federer on Center Court at Wimbledon 2014. Bucket list item. I met up with a friend of mine the other day for a function. He rolled up in a new Lexus IS350 that costs about $43,000 out the door. Immediately, I was envious of his wheels given I just drive a $20,000 Honda Fit named Rhino. My thoughts of doing the economical thing of buying out the residual value after the three year lease expires went out the window. I began fantasizing about what sports car to buy in 2017. No, no, no! I told myself several minutes later. Sure, I’d love to drive a fancy car, but I reminded…
  • How To Make More Money By Doing Nothing

    Financial Samurai
    15 Dec 2014 | 3:38 am
    A still pool does nothing in Sao Paolo, Brazil It’s been over a year since I swapped property management companies for my Lake Tahoe vacation rental (it’s snowing buckets btw), but it was only recently that I marketed the property here to help boost its income for the second year. The property used to be managed directly by the hotel, which would obviously garner the most amount of incoming calls and online inquiries compared to an outside property manager. When reservations were booked through the hotel, they randomly assigned which units those reservations went to. So when I…
 
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    Automatic Finances

  • How to Save Money on Your Electricity Bill Every Month

    Natalie Cole
    18 Dec 2014 | 12:27 pm
    It seems like bills never stop arriving in your mailbox. If you are looking for ways to lower some of your more expensive bills, you might try learning more about how to save money on your electric bill each month. Your electricity is an expense that you can’t get rid of, but it is possible to make a few minor adjustments that allow you to cutback and save money. Your utility bills can be pretty shocking each time that you open them, but now it is possible to start amassing some savings. Depending on your state, you may be able to choose between multiple energy providers. Ambit Energy, for…
  • Retire a Millionaire

    Fred Siegmund
    11 Dec 2014 | 5:41 pm
    I was speaking with a financial advisor but not at his office. It was at a party where there was lots of informal chit-chat over a nip of the grape. One thing he said to me and some others standing close by was meant as humor, a joke. It was “People sometimes ask me, How did you accumulate your first million? I tell them my simple strategy. Don’t buy anything.” It got a laugh and it was funny the way he told it, his voice and exaggeration. Then he went on to tell about a personal choice he made back in the 1980’s after finishing college. The car he had was a used Chevrolet with no…
  • Antoine Walker, NBA Star, On Blowing $110 Million

    Jason Unger
    9 Dec 2014 | 7:57 am
    Professional athletes tend to make a lot — and often lose a lot — of money. For many, it’s because they come into it quickly. They may not have ever had much to begin with. Others make poor investments. And others blow it all, then have the IRS on their tails. For Antoine Walker, the former Boston Celtics star, his rise and fall — including losing almost all of his nearly $110 million earnings from the NBA, is incredibly painful. Yahoo! Finance has the story, including a pretty dramatic video (that won’t embed here for some reason). It’s a sad story,…
  • You Don’t Need a Dedicated Computer for Online Banking. Just Don’t Be Stupid.

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

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

  • Impulse Buyers Becoming Extinct?

    Sherry Tingley
    19 Dec 2014 | 4:03 pm
    It is happening more and more. Today’s shoppers come to the store with something in mind, they pick it up and they leave without adding to the cart. The trend is likely to change the way the retailers approach sales. The sellers often offer loss-leaders and deep discounts because they depend on shoppers to expand the list once they are inside the doors. They put milk at the back of the store and line the aisles and ends of aisles with tempting items. If the shoppers ignore these come-ons, the merchants lose. Impulse buying is a psychological phenomenon, analysts say. Resisting it can be…
  • Top 10 Price Comparison Smart Phone Apps

    Sherry Tingley
    17 Dec 2014 | 4:48 pm
    Get the best prices while shopping by using Smart Phone apps. Notice just how many people are using their smart phones when you are out shopping. According to Shopatron’s Retailer eCommerce study, 86% of shoppers consult their smartphones. Over half of them are looking to compare prices, but they also want some extras, like product reviews. PC magazine recently published a list of the top 10 smart phone apps in 2014. These apps have just about anything you would ever want from a price comparison app. Try some out and see if you don’t end up saving some money this Christmas season.
  • Use Credit Wisely During The Giving Season

    Sherry Tingley
    16 Dec 2014 | 11:30 am
    The ideal is to get through the seasonal spending Based on an analysis of Federal Reserve statistics and other government data, the average household owes $7,283 on their cards.frenzy with your credit untouched. But many Americans fall short of that ideal. Second best is to be wary and wise as you whip out the plastic as needed. In a preview survey, the National Retail Federation learned that about 38 percent of consumers planned to use credit to fund their Christmas purchases. That’s a 28.5 percent rise over last year. Don’t start without planning ahead. Set yourself a limit and…
  • Top 10 Personal Finance Websites

    Sherry Tingley
    12 Dec 2014 | 1:29 pm
    Want to get the best personal finance advice from the best sources? These top 10 personal finance sites can help you manage just about anything from budgeting, investing and managing money to coping with daily financial decisions. Forbes Forbes has a lot of information about making good investments. They also publish an Investment Guide. They have 15 different people contributing to this guide. Some of the authors are from the Forbes staff and others are contributors that have had personal success in investing. All 15 articles are well worth a read. Forty four people contribute to the article…
  • Tax-Wise Moves To Prepare For 2015

    Sherry Tingley
    12 Dec 2014 | 8:26 am
    If the year end comes, can taxes be far behind? December is typically a time to assess your life and set goals. And that means taking a close look at personal finances. Scrutinize investments and budgets and go into the New Year armed with a plan for the next 365 days. Tax season may be several months in the future, but don’t allow yourself to be lulled into inaction. There are things you can do before Baby New Year puts in his appearance both to ease this year’s tax load and to streamline for the coming year. It goes without saying that you update your tax software and gather your…
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    Unbiased financial advice from fee-only financial planners

  • Growing Risk of a Stock Crash

    Don Martin
    15 Dec 2014 | 5:45 pm
    Investments have taken a strikingly bearish tone this month with most global risk-on assets except the SP500 are down in price. The SP500’s 200 day moving average is only 2% below today’s price, so it could be broken in two days, leading to more selling. Oil is down much further than anyone expected, as are interest rates. Perhaps the extra consumption from low oil prices will create more low paying retail jobs for unskilled unemployed people and make the economy look better but eventually the reduction of purchase orders from businesses owned indirectly by OPEC countries such as Dubai…
  • Oil Price Decline Triggers Junk Bond Crash

    Don Martin
    12 Dec 2014 | 1:48 pm
    Declining oil prices will enrich consumers causing more demand for petty consumables sold by minimum wage restaurant workers and clothing stores but may risk reducing the jobs in manufacturing. The manufacturing industry could have used high oil prices as a selling point to persuade businesses to buy more sophisticated energy efficient equipment, but now they can’t. And high oil prices created massive amounts of good paying jobs. The oil industry growth was the best job creating thing for blue collar people to replace the broken housing bubble and now it will be in layoff mode. If a country…
  • Inversion Is The Latest Corporate Tax-Cutting Strategy

    Matthew J. Illian, CFP®, AIF®
    12 Dec 2014 | 6:00 am
    Tax inversion (also known as corporate inversion) is a largely American phenomenon. It is when a corporation moves its headquarters to a lower-tax nation even while it retains some or most of its operations in the United States. Studies have found that foreign companies in countries with economic freedom can outperform companies in the United States over long periods of time. And even corporations who retain their roots in the United States can export their profits to countries with a lower tax burden. It turns out where your roots are planted matters greatly for a corporation to thrive.
  • Your Year-End Bonus

    Jim Blankenship, CFP®, EA
    12 Dec 2014 | 5:00 am
    As the end of the year approaches many employers will pay and many employees will receive year-end bonuses. While often the icing on the cake for a productive year employee should be aware of the tax consequences of their bonus. Percent vs. Aggregate Method When it comes to taxing the bonus an employer may choose the percentage method versus the aggregate method. Under the aggregate or wage holding bracket method the employer will use the withholding tables generally used for the employee normal paycheck. Then, the supplemental wages are aggregated with the employee’s normal pay and taxes…
  • 7 Reasons to Avoid 401(k) Loans

    Roger Wohlner, CFP®
    11 Dec 2014 | 2:04 pm
    One of the features of many 401(k) plans is the ability for participants to take a loan against their balance.  There are rules governing what the loans can be used for, the number of loans that can be outstanding at one time, and the percentage of your account balance that can be borrowed.  Additionally there is a time limit by which these loans need to be repaid. It is the decision of the organization sponsoring the plan whether or not to allow loans and also as to what they can be used for.  Typical reasons allowed are for college expenses …
 
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    Budgets Are Sexy

  • Things you can’t change.

    J. Money
    22 Dec 2014 | 2:02 am
    Things you can’t change: The weather The unemployment rate People who are dumb The stock market Things you can change: Your spending Your saving Your income Your life Your happiness The end. —– design by sean macentee
  • Friday 5: Virgin Money

    J. Money
    19 Dec 2014 | 2:04 am
    (Did that come off dirty?) Good morning sexy savers! Did you have a good week of bringing home that bacon? Are your side hustles going nice and strong? Pay off any more debt this week? Let’s go back in time today, shall we… I want to know all your financial “first times” today for no particular reason other than pure curiosity :) Leave them in the comments below, and we’ll all get to know each other a bit more personally today! Here are the 5 questions to answer: First checking account First credit card First loan First investment (stock) First mortgage…
  • Do You Give Money to Panhandlers?

    J. Money
    17 Dec 2014 | 2:02 am
    I did, twice this week. And each time my wife scolded me. She tells me it’s smarter to give to “legitimate” charities because you never know if these panhandlers are lying. Which is true, you don’t, but what if they aren’t? What if they do have cancer and no home and 5 kids who can’t afford to eat dinner that night? What if they are a war vet without a leg or a place to go? I told her I have faith in humanity, and if they really were duping me, well, they need even more help than I can give them. I also reminded her that I don’t like giving to…
  • The Budget of Christmas Past

    J. Money
    15 Dec 2014 | 2:04 am
    According to Wikipedia, The [Budget] of Christmas Past is the first of the three spirits to haunt [J. Money]. This angelic spirit shows [J. Money] scenes from his past that occurred on or around Christmas, in order to demonstrate to him the necessity of changing his ways, as well as to show the reader how [J. Money] came to be a bitter, coldhearted miser [stunning, financial genius!] Okay, so perhaps Dickens wasn’t exactly talking about me or my budgeting skills in his famous novel, A Christmas Budget, but the takeaways are just as important ;) Re-read the book to see for yourself! I…
  • Those Who Like Money, and Those Who Like Things

    J. Money
    12 Dec 2014 | 2:04 am
    What up what up! You frugal gangstas are gonna like this one today… Got a note yesterday from my boy PT that our old wealth poem friend Randy Vining is at it again. Spittin’ some good rhymes on money and life, and one of the stars of a new documentary that just dropped on mobile living. (ie. living out of cars, RVS, trailers, etc). Of course, he’s not really my friend as much as I wish he was (if you see this Randy – beers on me when we cross paths!), but over the Summer I officially knighted him so after hearing how soulful and passionate he was about financial…
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    Smart On Money

  • Who Do You Trust For Money Advice?

    Miranda Marquit
    16 Dec 2014 | 12:47 pm
    For many of us, it’s difficult to know what to do when it comes to our finances. There are so many decisions to make. While the basic “live within your means” advice can apply, the reality is that there is more to money management than making sure that your expenses are smaller than your income. What do you do to save for retirement? What’s the best course of action when trying to pay down debt? There’s a lot to think about, and it makes sense to carefully consider who you will trust for money advice. Who Can You Turn To? One of the more interesting bits of…
  • 3 Signs You Need Help with Your Debt

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

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

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

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

  • How Far Do You Go To Be Frugal?

    Kevin
    20 Dec 2014 | 1:41 pm
    I was reading this article on Readers Digest about the lengths some people go to be frugal. I’m pretty frugal if I do say so myself, but I don’t do half the things those people do. I just tend to choose the cheaper alternative to something like Netflix to going out to the movies. If something is frugal but it makes me feel weird (in a bad way) I definitely wouldn’t do it. Doing the thing in this part of the article would make me feel weird for sure. For instance, before interviewing several dozen cheapskates, I had no idea that there are legions of people who keep an empty…
  • Easy Ways To Save Money During The Holidays

    Kevin
    18 Dec 2014 | 5:08 pm
    [Image Link] The holidays are one of the hardest times to save money or indeed make money. With all of us taking time off to spend with our families, the option for earnings decreases. Spending can get out of hand at this time of the year, especially if you have a family. If you are in need of making some savings this holiday season then believe it or not, it can be done! Read on for your way to turn the most expensive time of the year, into an easily manageable event and stay debt free. Saving on festive food and drink buys Christmas and thanksgiving are expensive times to buy food. I swear…
  • 8 Questions to Ask When You Buy Disability Insurance

    Kevin
    18 Dec 2014 | 1:30 pm
    Disability insurance is among the most valuable, and most frequently skipped, forms of insurance, endorsed by financial experts like Dave Ramsey and insurance consultants like Courtney Rogers. Like all other forms of insurance, though, not all policies are created equal. When shopping for disability insurance to protect your family, ask and answer these eight questions. 1.       Can I Get a Group Policy? Employers, labor unions and trade associations are just three of many memberships that can get you access to a discounted disability policy. Assuming the details of coverage match your…
  • Is This Just As Valuable As Money

    Kevin
    16 Dec 2014 | 1:23 pm
    An important part of managing your finances is learning to manage your time.  After all, your time is just as valuable as your money isn’t it?.  Without time, it is difficult to earn money.  As you learn to manage your finances, it is also important to learn to manage your time.  After all, if you spend several hours saving a dollar, you haven’t really saved any money at all. Determine the Value of the Savings Some people feel that it is a good idea to run from store to store getting all the best deals from the weekly ads.  While this can save some money, it can also be time…
 
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    Couple Money

  • The Best Couple Money Posts of 2014

    Elle Martinez
    15 Dec 2014 | 5:59 am
    With 2014 coming to end in a couple of weeks, I wanted to take a minute to say thank you so much for your support. Your comments and stories have been so encouraging and motivating to me as we reached our fifth anniversary this year. I truly couldn’t have reached this point without you. In case you’re a new reader (welcome!) I want to share some of the most popular posts from Couple Money this year. Family and Finances Money is simply a tool for us to use and one major goal is to take care of our loved ones. With a toddler and another one one the way, we try to keep our family…
  • Finding Great Deals on Hotels

    Elle Martinez
    8 Dec 2014 | 9:11 am
    Today’s post is based on a recent Couple Money Podcast episode on Travel Hacks for Your Next Vacation. One of the biggest hurdles people have with taking a trip or vacation is the costs.  Depending on where you go, the biggest expense can be your lodging. The good news is it doesn’t have to be. There are several ways you can find the perfect spot for you. Three of my favorite ones include: Be flexible with your trip window. Be on top of your hotel bids. Be willing to look beyond hotels. I’ll go over each of them so you can decide which options work best for you and your…
  • Retirement and Credit Cards for Couples

    Elle Martinez
    5 Dec 2014 | 1:22 pm
    This week Couple Money has been featured on two sites with interviews about getting a retirement plan set up as a couple and whether the two of you should open joint credit cards as newlyweds. I’ve included excepts in case you want to get an idea of what was covered. Discussing Retirement Goals When should couples sit down to discuss their retirement goals and strategy? How often do you think they should revisit this discussion? The sooner, the better. If the two of you haven’t already, set aside time this week and have a money chat. You don’t have to do everything in one day. Start…
  • Credit Cards and Airline Miles – Can You Really Get Free Flights?

    Elle Martinez
    2 Dec 2014 | 6:18 am
    I’ve heard about it from friends who travel often for work, about how they were accumulating points from their favorite airlines to get some free flights. However it wasn’t until I discovered Chris Guillbeau from the Art of Non-Conformity that I saw it as a possible way to save significant amounts of money. He was someone who mastered the system and used it extensively to literally travel the world. It sounds too good to be true, right? Actually it’s not, but that doesn’t mean it’s for everyone. How Travel Hacking Works Before you jump into these deals, it helps…
  • Avoid Checking Fees and Earn a $100 Bonus

    Elle Martinez
    28 Nov 2014 | 5:31 am
    For those looking at getting a better deal with their checking and savings account,  you may want to check out Capital One 360. Capital One 360  is giving  big bonuses when you open up a new account with them from now through December 1st 11:59pm ET. Earn $100 Bonus with Fee-Free Checking How it works: Open a fee-free 360 Checking Account between Nov. 28thand Dec. 1st Make an initial deposit of at least $250 Complete 5 Debit Card purchases, deposit checks from anywhere with CheckMate or any combo of both within 45 days Snag your $100 bonus on day 50 The nitty gritty: This has to be your…
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    Beating Broke

  • Have We Lost the Meaning of Frugality?

    MelissaB
    17 Dec 2014 | 6:57 am
    My grandparents were married during the Great Depression.  Their first few years together were spent in severe economic hardship, and the financial lessons they learned during that lean time never left them. They always had one car. My grandma wore the same dresses throughout my entire lifetime.  I think when she died, the dresses she still had were 25 to 30 years old. They rarely went out to eat, opting instead to cook and eat simple meals at home. My grandparents did without much of the time, and they were very frugal with their money. They sold their house when they retired and lived in…
  • Do You Compare Your Finances to Others?

    MelissaB
    8 Dec 2014 | 5:23 am
    I belong to several Facebook groups, and recently, a woman in one group asked the seemingly innocent question, “What do you pay for cell phones and car insurance?”  She added, “We pay $180 a month for our cell phones and $345 a month for our car insurance.” Say what? When you read that number, you automatically think one of two things–“Wow, she’s paying a fortune for cell phones and car insurance!” (that was my initial thought), or, you think, “Sounds about right.” A few of you may even think she’s getting a good deal. My…
  • Will My Homeowner’s Policy Cover Damage to My Friend’s Belongings?

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

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

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

  • 9 Ways To Make Money Off Old Electronics

    Edwin C
    5 Dec 2014 | 11:26 pm
    If you have an old smartphone, laptop or other electronic device sitting around, and who doesn’t, you could be sitting on a potential goldmine. Well maybe not a goldmine, but you could have up to one thousand dollars sitting around collecting dust. But unlike valuable antique coins, these electronic items depreciate in price rapidly. I still have one of those old Nokia cell phones, a Palm PDA and an old Dell computer that are all now worthless. I could have sold those items for a few hundred bucks back in the day. Now I don’t let that happen anymore. When I upgrade my laptop,…
  • Use Store Brands To Save Money At The Grocery Store

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

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

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

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

  • Follow these 5 Tips for Investing, Whether You’re a Novice or a Pro

    MichaelHaltman
    19 Dec 2014 | 4:05 pm
    In a recent article by Reuters, “Brad Reifler’s 5 Tips for Investing“, Reifler speaks directly to average Americans about investing. Currently, and historically, the investment community is made up of “1 percenters”. They invest through groups exclusive for high-income clientele known as hedge funds, public funds, and commodity funds. The Securities and Exchange Commission (SEC), in fact, have regulations set on accredited investors: Individuals with a net worth at or exceeding one million dollars or has an annual single income of $200,000 or joint income of…
  • Male Smokers at Risk of Losing Y Chromosomes

    MichaelHaltman
    19 Dec 2014 | 1:21 pm
    t’s well known that smoking cigarettes carries more than a few risks with it, but few would believe that it can actually impact the human body at the genetic level. According a study tabled by the Uppsala University in Sweden, it has been observed that male smokers are a higher risk of losing their Y chromosomes. In a study which included a sample strength of 6,000 men, the scientists found that the more the men smoked, the more chromosomes they lost. While they believe that the chromosomes don’t really die, the use of cigarettes could however possibly damage the biological functions…
  • Bordering States Angered By Colorado

    MichaelHaltman
    19 Dec 2014 | 11:37 am
    Nebraska and Oklahoma are unhappy with Colorado’s recent decision to legalize Marijuana. The bordering states of Colorado are unhappy with the amount of Marijuana that is crossing state lines. Illegal drug trafficking is occurring at an absorbent amount. Senators and representatives of Nebraska and Oklahoma, not including Dan Newlin, have filed a lawsuit against Colorado. Nebraska and Oklahoma hope to overturn the recent legalization act of Marijuana, in the state of Colorado. The legalization of Marijuana has been deemed unconstitutional, by the states of Nebraska and Oklahoma. The…
  • Detroit Out of Bankruptcy

    MichaelHaltman
    17 Dec 2014 | 1:35 pm
    The city of Detroit made headlines when it announced it was filing for bankruptcy protection. When it did so, it became the largest municipality in the United States to ever file such a claim. It seemed, at least to outsiders, that the once great American city was done. With a population now around 700,000, when it had been twice that a half century ago, there just seemed like there would be no saving it. However, the city has impressed everyone as it exited bankruptcy far sooner than expected, and in its wake, a new, more vibrant and charismatic city has emerged. The city itself, which has…
  • Congress Broadens Financial Laws for Disabled

    MichaelHaltman
    17 Dec 2014 | 8:29 am
    Congress gave final approval Tuesday to the broader legislation in a quarter-century to help disabled people open bank accounts that are free of taxes and allow them to pay their needs. The decision paves the way for the creation of special accounts from the following year up to some 54 million people with disabilities and their families. “This is a monumental, historical law,” said Sara Hart Weir, interim president of the National Down Syndrome Society. “This law will change the way that families can save for all children and adults with Down syndrome and relieve…
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    The Economic Peephole

  • Follow these 5 Tips for Investing, Whether You’re a Novice or a Pro

    MichaelHaltman
    19 Dec 2014 | 4:05 pm
    In a recent article by Reuters, “Brad Reifler’s 5 Tips for Investing“, Reifler speaks directly to average Americans about investing. Currently, and historically, the investment... [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • Male Smokers at Risk of Losing Y Chromosomes

    MichaelHaltman
    19 Dec 2014 | 1:21 pm
    t’s well known that smoking cigarettes carries more than a few risks with it, but few would believe that it can actually impact the human body at the genetic level. According a study tabled by... [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • Bordering States Angered By Colorado

    MichaelHaltman
    19 Dec 2014 | 11:37 am
    Nebraska and Oklahoma are unhappy with Colorado’s recent decision to legalize Marijuana. The bordering states of Colorado are unhappy with the amount of Marijuana that is crossing state lines.... [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • Detroit Out of Bankruptcy

    MichaelHaltman
    17 Dec 2014 | 1:35 pm
    The city of Detroit made headlines when it announced it was filing for bankruptcy protection. When it did so, it became the largest municipality in the United States to ever file such a claim. It... [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • Congress Broadens Financial Laws for Disabled

    MichaelHaltman
    17 Dec 2014 | 8:29 am
    Congress gave final approval Tuesday to the broader legislation in a quarter-century to help disabled people open bank accounts that are free of taxes and allow them to pay their needs. The decision... [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
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    Compare Australian Credit Cards and Offers

  • How to get a credit card in time for christmas

    Elizabeth Barry
    10 Dec 2014 | 8:37 pm
    Here's an article that will show you which credit cards and lenders that may help you get a hold of your credit card sooner in time for christmas. The post How to get a credit card in time for christmas appeared first on Compare Australian Credit Cards and Offers.
  • Woolworths Money Qantas Platinum Credit Card – Details & Review

    Elizabeth Barry
    9 Dec 2014 | 6:59 pm
    The benefits of the Woolworths Money Qantas Platinum Card  on balance transfers If you have an existing credit card balance, you can bring that debt over to your Woolworths Qantas Platinum and pay  interest for  months. Balance transfers need to be requested when you apply for the card, and at the end of the  months […] The post Woolworths Money Qantas Platinum Credit Card – Details & Review appeared first on Compare Australian Credit Cards and Offers.
  • The Virgin Australia Velocity Flyer Card – 20k Bonus Points and Balance Transfer Offer

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

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

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

  • 5 Crucial Lessons I Learned by Starting My Own Business

    Jeff Rose
    17 Dec 2014 | 9:20 am
    As a kid, I had no aspirations of being a business owner or entrepreneur. I was a baseball card collector investing way too much money in Jose Canseco baseball cards.  (That probably ranks as one of the worst investments I’ve ever made but, hey – I was just a kid). Even going into college, I really didn’t know what I wanted to do when I graduated. I majored in finance because my dad thought it would be a good major, and I kind of liked numbers. The self-employment revelation hit me when I read Robert Kiyosaki’s Rich Dad Poor Dad. That really changed my whole mindset, and got me…
  • GF¢ 044: Why I Happily Pay $7,900 a Year For Strategic Coach

    Jeff Rose
    11 Dec 2014 | 1:35 pm
    What is one investment you’ve made in the past that you’re grateful for today? In 2011, my financial planning practice was thriving, for the most part. It had been three years since I left my old firm and co-founded Alliance Investment Planning Group, and this blog was doing very well. In spite all of that, I felt like something was missing. It wasn’t about the money, because I was making more than enough to support my family. It was more about how I was spending my time each day. There were certain parts about my day that I absolutely loved, but there were other parts that I…
  • 6 Things I Learned From Finishing the 21-Day Habit Challenge

    Jeff Rose
    1 Dec 2014 | 8:43 am
    Over the past few years, I’ve really focused on growing my financial planning practice, my blogs and my other online ventures. After enrolling in a coaching program and talking with mentors and other successful entrepreneurs, I realized that successful people make strong positive habits part of their daily routine to help them achieve great things. Dan Sullivan, the founder of the Strategic Coaching Program, developed what he calls the 21-day positive focus. The basic concept fairly simple: focusing for 21 days straight on one key habit that you want to either introduce into your life…
  • GF¢043: [Case Study] Can You Retire Early with Only 1 Million Dollars?

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

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

  • Tracking Thyra Zerhusen's Fairpointe Portfolio - Q3 2014 Update

    ks
    12 Dec 2014 | 11:51 pm
    Below is a spreadsheet that highlights the changes to Thyra Zerhusen's Fairpointe Portfolio US long stock portfolio as of Q3 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 John Griffin's Blue Ridge Capital Holdings - Q3 2014 Update

    ks
    12 Dec 2014 | 10:38 pm
    Below is a spreadsheet that shows the changes to John Griffin's Blue Ridge Capital Holdings US long portfolio holdings as of Q3 2014. To have an idea of how the holdings have progressed click on our previous update: John Griffin is a "tiger cub" who posted an outstanding 65% return in 2007 and followed it up with just an 8% loss during the financial crisis. To know more about Julian [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • Tracking Eric Mindich's Eton Park Capital Holdings - Q3 2014 Update

    ks
    12 Dec 2014 | 9:05 pm
    Below is a spreadsheet that shows the changes to Eric Mindich's Eton Park Capital US long portfolio holdings as of Q3 2014. To have an idea of how the holdings have progressed click on our previous update: To learn more about how to profit from a strategy of cloning hedge fund picks, check out our book Profiting from Hedge Funds: Winning Strategies for the Little Guy. [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • Tracking Robert & Jeffrey Bruce's Bruce Fund Holdings - Q3 2014 Update

    ks
    12 Dec 2014 | 9:46 am
    Below is a spreadsheet that shows the changes to Robert & Jeffrey Bruce's Bruce Fund Holdings US long portfolio holdings as of Q3 2014. To have an idea of how the holdings have progressed click on our previous update:  To learn more about how to profit from a strategy of cloning hedge fund picks, check out our book Profiting from Hedge Funds: Winning Strategies for the Little Guy.  [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • Tracking Larry Robbins' Glenview Capital Holdings - Q3 2014 Update

    ks
    12 Dec 2014 | 5:24 am
    Below is a spreadsheet that shows the changes to Larry Robbins' Glenview Capital Holdings US long portfolio holdings as of Q3 2014. To have an idea of how the holdings have progressed click on our previous update:  To learn more about how to profit from a strategy of cloning hedge fund picks, check out our book Profiting from Hedge Funds: Winning Strategies for the Little Guy. [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
 
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    Cash The Checks

  • 5 Tips For Buying A Home In 2015

    Edwin C.
    15 Dec 2014 | 11:03 pm
    If you’re planning to buy a home in 2015, you may be surprised to find out that a lot of things have changed since the housing bubble burst. There are upsets happening with home prices, mortgage rules and financing options that are making buying a home in todays world different than when your parents bought their homes. Read on for 5 tips for buying a home in 2015 so you know what to expect. Home Prices Will Rise Home prices rose in 2014, though only 12 percent, leaving most homes still well below the value they once were. Home prices will continue rise in 2015 and most areas can expect…
  • 8 Tips For Black Friday Shopping

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

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

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

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

  • Antique Pine Plank Seat Rocking Chair

    walt kolenda
    20 Dec 2014 | 4:09 pm
    Antique Pine Plank Seat Rocking Chair Susanne says: The pictured rocking chair belonged to my late husband’s step-father, and as I understand it, it belonged to his mother, making it possibly between 70-110 years old. The research I was able to do on it a couple years back indicated it was worth between $500 and $5000, that is assuming I was interpreting the research correctly. I look forward to receiving your appraisal. Best Regards Suzanne AW says: Hello Suzanne, you’re chair is a very nice example of an American rocking chair called several things: One is  a “Boston…
  • Gem Encrusted Bottle

    walt kolenda
    13 Dec 2014 | 3:13 pm
    Gem Encrusted Bottle Appraisal Hi. My name is Scott Benedict and I just paid for a one-time appraisal. Thank you. Here is the info, and you will see the attached pics. Victorian era bottle with precious & semi-precious gems The jewelry business known as “Benedict Brothers” was started in 1839 by Samuel W. Benedict. The firm was located on the corner of Wall Street in lower Manhattan. Known through the years for its’ fine gold watches and diamonds, the firm’s clocks had the reputation as the official time piece of the City of New York. Ship’s clocks with the…
  • eBay Phone Numbers

    walt kolenda
    7 Dec 2014 | 9:45 am
    Trying to find a phone # for eBay can be frustrating. Here is that info.  eBay Phone Numbers Yes, eBay DOES have  phone numbers at which you can actually get a live human being on the phone – although they can be very difficult to find on their website.  So here the eBay phone numbers at which you can get a real human being. If your account has been hacked and you’ve been locked out:  866-961-9253 For other issues call: 866-540-3229 If you don’t feel like waiting on the phone, they even have a feature that will keep you in the cue and they’re call you right. The…
  • The Good Old Days – Do we really long for them?

    walt kolenda
    5 Dec 2014 | 12:57 pm
    The Good Old Days A Rant – I hear many elderly (and other people)  state that they long for the “good old days” when a handshake sealed a deal, the grocer knew your name and kids could play safely in the neighborhood. Everyone wants those kinds of things again, but it will take a little sacrifice. So here are my unsolicited observations & suggestions. Support your small mom & pop neighborhood businesses. You SAY you want the good old days, yet you populate McDonalds & Dunkin Donuts in hoards as local breakfast & lunch places struggle to keep enough market…
  • Mid-Century Dining Room Set

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

  • Getting the most from your charitable donations

    Ray
    1 Dec 2014 | 2:00 am
    Canadians are known to be generous when it comes to charity, 84% gave last year according to a recent BMO poll. Giving means you are helping a worthy cause and you can receive a tax receipt for your donation for tax savings. Though recent studies show Canadians don’t donate to charities to benefit from the receipt, reaping some tax savings can help your budget. Nearly one-quarter of Canadians said they would be more inclined to donate to charity if it was more convenient. A Canadian company may have come up with the solution for making it easy to donate by empowering your small change to…
  • How I Used Credit Cards and Loyalty Rewards to Save More than 50% on My Last Vacation

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

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

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

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

  • Is 2015 the Year to Sell Your House?

    Chris Birk
    20 Dec 2014 | 9:01 pm
    Home price gains are slowing, credit is thawing and more first-time buyers may be hitting the real estate market in 2015. Better balance in the housing sector is “in” next year, as far as trends go. That’s likely to put buyers and sellers on a more even footing. Some prospective sellers sound especially bullish on housing. In a recent Trulia survey, the biggest chunk of consumers – 36% – said they expect next year to be much or a little better than 2014 for selling a home. To be sure, like politics, all real estate is local. Some sellers have stayed on the sidelines in recent years,…
  • Dreaming of a Second Home? 5 Options

    AJ Smith
    20 Dec 2014 | 9:01 pm
    Do you prefer lounging on the beach or boating on a lake? Maybe you just want to hike in the woods during your free time. If you are lucky enough to be in a position to buy a second home, it’s important to think carefully about what kind of home you want. Almost any permanent structure with a kitchen, bathroom and sleeping facility qualifies as a second home by IRS standards, but that leaves plenty to choose from. Check out the following list of different types of second homes you can buy and see which is right for you. 1. Beach House Coastal cities and beach sunsets might just be…
  • Why Hotels Put a Hold on Your Credit Card

    Christopher Elliott
    20 Dec 2014 | 9:01 pm
    It’s like an episode of “Unsolved Mysteries” that plays itself endlessly for travelers. It happened to Judith Searcy when she stayed at the Portland Marriott Downtown Waterfront in Oregon this summer. If you check your credit card statement, you may find that it has happened to you, too. For Searcy, the mystery was a $518 pending charge to her card after she checked out of the Marriott. “I had not been told of this charge, nor did I have any documentation for it,” says Searcy, who is retired and lives in Austin. She phoned Marriott, which asked her to leave a voice mail for a…
  • 10 Gifts You Shouldn’t Get for the Man in Your Life

    Maryalene LaPonsie
    19 Dec 2014 | 9:01 pm
    Shopping for men can be tough. Whether it’s the guy you just started dating or the man you’ve been married to for years, certain items should be no-nos when it comes to holiday gifting. 1. Ties Nothing screams “man gift” quite like a tie. Dads around the world cringe at the thought of the ties that will be coming on Father’s Day. Don’t buy them one on their birthday, Christmas and Kwanzaa, too. More to the point, as a 30-something, I think I can count on one hand the number of men I know who actually wear ties. And all those men wear ties for work. Who wants to think of work on a…
  • How to Treat Yourself Without Breaking Your Christmas Budget

    Gerri Detweiler
    19 Dec 2014 | 9:01 pm
    Ever go gift shopping for somebody else and come away with something for you, too? I have, just recently. I went into a store with a friend, looking for a sweater for my daughter and ended up buying myself two on sale. I hadn’t planned to, but they were good deals, and I got an extra 25% off for using my store card. (Yes — one for you, two for me …) The retailers know we do it. That’s why the stores advertise a sale as “our gift to you,” or offer buy-one, get-one-free sales. We can rationalize that the second one (the one we keep) was the free one. A survey…
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    StepChange MoneyAware

  • The ultimate Christmas DIY gift guide: part 2

    Jenny
    18 Dec 2014 | 4:52 am
    Festive DIY gifts Back in November we posted the ultimate DIY gift guide with plenty of ideas to make your own pressies for Christmas. The thing is, it’s easy to tell others to have a DIY Christmas and say it’s cheaper than buying presents but what kind of folk would we be if we didn’t practise what we preach? Terrible folk, that’s what! I had tried to select a range of gifts for the original post that seemed thrifty, but how could we be sure they actually were? There was no proper evidence to our claims and so a decision was made; each member of the MoneyAware team would make one of…
  • Skint Dad’s homemade sniffle sorter-outers!

    Skint Dad
    18 Dec 2014 | 1:26 am
    As a busy dad of three, our pal Ricky Willis A.K.A. Skint Dad knows all about the woes of winter illnesses, and has some cheeky tips to help keep them on ice – over to you, Ricky!  Put these winter warmers to the test! As winter approaches and the weather turns from a gentle breeze to a bitter blast, the Skint household is full of cold. Whether it’s just bad luck or we genuinely all have weak immune systems, for the last couple of weeks one or more of us have been suffering from constant sneezing, a runny nose and a total feeling of being run down. We don’t usually take much in the…
  • The MoneySavingExpert.com downshift challenge: What’s it all about?

    StepChange MoneyAware
    17 Dec 2014 | 9:13 am
    You’ve probably heard of Money Saving Expert and the great advice from Martin Lewis and the guys on budgeting and getting the best possible deals. You may not, however, have heard of their downshift challenge and how it could help to reduce your supermarket spending costs. As you’re probably well aware we’re all about saving money and we love a good challenge, so naturally we decided to find out more! We chatted with Steve Nowottny, consumer & features editor at MoneySavingExpert.com, to get the low down on the downshift challenge and to find out how you could help your budget by…
  • Know your rights – November’s debt news

    Laura
    9 Dec 2014 | 1:35 am
    Catch up with this month’s debt news! There’s been so much going on in the world of debt news this month, I hardly know where to start. How about the holiday pay plans a’brewing? Or the fact that as a nation we’ve been conned out of £24m by telephone fraudsters this year? Or the news that Wonga is removing their sponsorship from kiddies’ football kits? If you’ve not had time to catch up with the latest debt news, it’s time to put your feet up and have a read… Holiday pay ruling could affect millions Do you work overtime or get commission at work? If so, I have some…
  • 9 cheap, easy and homemade hair rescue remedies

    Charlotte Bjorndal
    4 Dec 2014 | 2:00 am
    Give your hair some loving! With all these hectic festive goings on to contend with, you’d be forgiven for letting your hair fall prey to the elements. Winter is far from a follicle’s best friend, and can leave our locks looking dry and tired. With all the get-togethers we’ll be attending, this simply won’t do!  But here’s the rub…all those fancy hair treatments we see in the shops can seem a bit of a frivolous purchase when you’re trying to stick to a budget. It’s all very well for our hairdressers to insist we abstain from the cheap stuff with all its chemicals, but when…
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    Free Money Wisdom

  • Financial Planning Tips for 2015

    Jon the Saver
    15 Dec 2014 | 5:45 am
    Financial Planning Tips for 2015 There are many productive financial planning tips that you may follow in 2015 in order to improve your financial stability. As 2014 draws to a close, many of us are left wishing we had saved more money throughout the year. There are some that wish that they had paid more towards their debts. Several individuals are finding that they have fallen short of the expectations set forth in their personal budget. Then, there are many that simply want to make a change when it comes to personal finance planning. Regardless of where you stand in the mix, there are…
  • Saving for Retirement – 5 Steps to Success

    Jon the Saver
    10 Dec 2014 | 11:45 am
    Saving for Retirement – 5 Steps to Success Retirement should be an important concept to each of us. As soon as possible, we should all be focusing our efforts on saving for retirement. According to the Department of Labor, most individuals spend at least two decades in the retirement phase of their lives. By focusing on a money saving tip here and there, you are sure to achieve success in putting back a little cash for what promises to be some of the best years of your life. Financial security during our retirement years is not something that naturally occurs on its own. You must have a…
  • Erasing Your Debt Can Make You Wealthy

    Jon the Saver
    1 Dec 2014 | 5:36 pm
    Erasing Your Debt Can Make You Wealthy If you have the desire to erase debt, you are already on your way to a wealthier lifestyle. The secret to pay off debt is relatively simple. You must make more and ensure that you spend less. Of course, this is much easier said than done. It is easy to accumulate debt, but, it is complicated to rid yourself of that debt. The main reason for this is that when you use credit to make a purchase, you end up making that purchase several times over because of the interest that is charged on the amount that you owe. As a result of this, you find yourself in a…
  • Christmas Shopping with Online Catalogs – How to Control your Spending!

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

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

  • Tips on Using Discount Shopping Sites

    Karen Bryan
    21 Dec 2014 | 10:55 pm
    Online shopping has several advantages. You can look at a wide range of retailers and compare prices between them. You can shop from the comfort of your own home. You don’t need to travel to the shops, involving waiting for buses, trying to find parking etc. You can shop at a time that suits you, […]Tips on Using Discount Shopping SitesHow to save money. Copyrighted content published on Help Me To Save.
  • My Money Podcast #100

    Karen Bryan
    18 Dec 2014 | 10:54 pm
    The My Money Podcast #100 summarises the recent articles below. listen to ‘.My Money Podcast #100: Recent Articles Roundup’ on audioBoom Subscribe to the My Money Podcast from Help Me To Save in itunes Why It Can Be a Good Idea to Keep Old Current Accounts Open – With all the incentives to switch bank […]My Money Podcast #100How to save money. Copyrighted content published on Help Me To Save.
  • Review of Premier Inn Edinburgh Leith Waterfront

    Karen Bryan
    17 Dec 2014 | 10:26 pm
    I stayed at the Premier Inn Edinburgh Leith Waterfront on a Thursday night in mid November 2014. The room cost £29 on the non-refundable rate, booked around three months before my stay. I love the location of this hotel at Newhaven Harbour. I planned to check-in as close to 2pm as possible to request a […]Review of Premier Inn Edinburgh Leith WaterfrontHow to save money. Copyrighted content published on Help Me To Save.
  • Funding for Retirement Debate on 17 December 2014

    Karen Bryan
    14 Dec 2014 | 10:03 pm
    The ‘Funding for Retirement‘ debate takes place at the Hospital Club in central London on Wednesday 17 December 2014. The discussion will examine the pension options available to the UK public. With the forthcoming changes to pension legislation due to start in April 2015, there will be plenty to discuss. I wish that I lived […]Funding for Retirement Debate on 17 December 2014How to save money. Copyrighted content published on Help Me To Save.
  • Are You Better Off Unemployed Than in a Zero Hours Contract Job?

    Karen Bryan
    11 Dec 2014 | 10:29 pm
    The information provided in this article was accurate at the time of publishing and should be read in the context of the date it was published. Views in this article are those of the author alone and do not necessarily represent the view of Scottish Friendly. According to the latest findings of the ‘Disposable Income […]Are You Better Off Unemployed Than in a Zero Hours Contract Job?How to save money. Copyrighted content published on Help Me To Save.
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    NerdWallet Credit Card Blog

  • First Credit Card: Tips to Avoid Going Into Debt

    Anisha Sekar
    21 Dec 2014 | 7:00 am
    So you’ve just gotten your first credit card and are eager to venture into the wild world of plastic. Congratulations! Having a credit card can help build your credit score and make it easier down the line to qualify for mortgages, car loans and the like. But there’s a danger to credit cards, and you’ve probably already guessed it: If you have the potential to spend money you don’t have, you may have the temptation to use it. And it’s easy to go from there to digging yourself into a debt you’ll struggle to repay. Here are three tips to establish good money habits. 1. Know yourself…
  • Best Credit Card Offers for Hawaii Travel

    Erin El Issa
    20 Dec 2014 | 6:00 am
    If you’re ready to hit the beaches of Hawaii, you need a good credit card — one that offers great rewards, a killer signup bonus and maybe a direct flight to your favorite island. We’ve got you covered. Say “aloha” to these great credit card offers. The Hawaiian Airlines® World Elite MasterCard®: Best for frequent Hawaii visitors Apply Nowon Barclays's secure website The Hawaiian Airlines® World Elite MasterCard® offers 2 miles for every dollar spent with Hawaiian Airlines, and 1 mile for other purchases. The card also has a signup bonus: Earn 35,000 bonus…
  • Best Credit Card Offers for Online Shopping

    Lindsay Konsko
    20 Dec 2014 | 5:30 am
    Let’s face it: Shopping at bricks-and-mortar retailers is becoming a thing of the past. Since most of your spending is done on the web these days, it’s smart to look for credit card offers that provide good rewards on online shopping. If you’re looking for a few suggestions, take a look at the Nerds’ top picks below. For online shopping, these are the best credit cards to apply for: Best overall: Discover it® Apply Nowon Discover's secure websiteThe Discover it® is our favorite card for shoppers, both online and in-store. It’s easy to see why: With it, you’ll earn 5%…
  • Which Credit Card Issuers Offer 0% Fraud Liability for Unauthorized Charges?

    Lindsay Konsko
    20 Dec 2014 | 5:30 am
    Be honest: When you swipe your credit card these days, you’re at least a little concerned about your personal information getting hacked. This is hardly surprising — retail data breaches dominated the headlines in 2014. But even though Americans are more worried about their personal information being compromised than ever before, the truth is that we have both the law and the policies of our credit card issuers to fall back on. Ready to learn more? Let’s dig in. Americans worry about data hackings more than any other crime If you’re panicked about your credit card information…
  • No Credit History (Probably) Won’t Hurt Your Job Search

    Lindsay Konsko
    19 Dec 2014 | 3:49 pm
    Some things, such as car loans and mortgages, to name a few, are hard to get when you have no credit history. Even certain credit cards might be hard to get (although there are lots of credit cards for people with no credit). But there’s one thing you shouldn’t worry about getting without having any credit history: a job. Here are some big questions you might be obsessing over, and some information that should put your mind at ease. ‘What if they’re looking at my credit history and I don’t know about it?’ Oh, you’ll know. Because of your rights under the Fair Credit Reporting…
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    Card Hub

  • Capital One No Hassle Rewards Review: Tips for Earning & Redeeming

    Debra Wei
    17 Dec 2014 | 2:30 am
    Capital One’s No Hassle Rewards program enables its customers to earn either miles or cash back, differing from many other rewards programs which strictly operate on a points system. Featuring some of the most lucrative and popular rewards cards on the market, like the Venture® Rewards and Quicksilver® Rewards, the program allows members to redeem for useful and convenient perks like gift cards and travel. Similar to the Citi ThankYou Rewards program, Capital One’s No Hassle Rewards also extends its coverage to checking account users. Not only is this option rewarding for individuals…
  • Do I Need a Credit Card? When It’s Required, Myths & Alternatives

    Odysseas Papadimitriou
    12 Dec 2014 | 10:30 pm
    No one truly needs a credit card. While credit cards make certain types of transactions much easier and safer to complete, in addition to providing a host of other benefits, you can generally get by with cash or a debit card. With that being said, common misconception holds that credit cards are indeed required in certain instances, so let’s examine that claim in order to determine if the luxury provided by plastic ever borders on necessity as well as how you can skirt supposed credit card mandates should they ever present themselves. Source http://www.cardhub.com/edu/credit-card-required/
  • Citi ThankYou Rewards Review: Tips, Transfer Partners & More

    Debra Wei
    9 Dec 2014 | 9:56 am
    Citibank’s rewards program, branded as Citi ThankYou Rewards, features several popular cards like the Citi PrestigeSM and the Citi Forward®. Using ThankYou points as its rewards currency, the program enables customers to redeem for perks ranging from travel accommodations and gift cards to benefits as specific as student loan reimbursements. One distinguishing factor of this particular rewards program is that its coverage extends beyond credit card users to the company’s banking customers, also enabling folks to earn points by enrolling in certain monthly banking services (such as direct…
  • 2014 Credit Card Debt Study

    Odysseas Papadimitriou
    8 Dec 2014 | 2:30 am
    Consumer credit card debt statistics – an indicator of spending trends and household financial health – support the notion of a rapidly improving economy, which is further evidenced by the fact that an impressive 321,000 jobs were added in November while the unemployment rate hovers at 5.8%. The credit card charge-off rate, at 2.89%, is at the lowest point since 1985, you see, which indicates that consumers have the financial wherewithal to remain current on their obligations. That’s the good news. The bad news is that while economic gains are making consumer spending habits sustainable…
  • CardHub’s Credit Predictions for 2015

    John Kiernan
    3 Dec 2014 | 4:01 am
    A crystal ball is a valuable thing. After all, if any of us truly had one, we could make a killing in the stock market. But while 20-20 vision is ultimately reserved for hindsight and no one can actually predict the future, we can indeed make some educated guesses as to what the coming months will hold for our wallets. Doing so is especially important as we prepare to celebrate the holidays, ring in the New Year, and turn the page on 2014 because it will enable us to chart a path toward financial success in 2015 and away from missteps and money loss. With that in mind, CardHub’s editors…
 
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    CreditDonkey

  • Amex EveryDay Card Review: Is it Good?

    19 Dec 2014 | 12:00 am
    If you tend to charge at least 20 purchases a month on your credit card, you may want to consider switching to the EveryDay Credit Card from American Express. Read on for the reasons why the rewards credit card may be a good addition to your wallet.
  • 23 Perfume Industry Statistics That Will Amaze You

    18 Dec 2014 | 12:00 am
    Scent is one of the most powerful of the five senses, warning us of danger, triggering cherished memories and even helping us to find our true love, if researchers are correct. That's something the perfume industry has wasted no time in capitalizing on, and you can't walk into a department store these days without being inundated by a barrage of competing scents. Whether you wear a signature fragrance or prefer to go au naturel, we've got 23 intriguing perfume industry statistics that will ...
  • 23 New Year's Resolution Statistics to Kickstart 2015

    17 Dec 2014 | 12:00 am
    If you're looking forward to shaking off a bad habit or improving your life, here are 23 New Year's resolution statistics to help you get 2015 started off on the right foot.
  • 23 Things to Remember when Money is Tight

    16 Dec 2014 | 12:00 am
    When you're stressing about how you're going to pay the rent or mortgage, it's hard to think rationally. Instead, you may feel a pull to run down to the convenience store and try your luck at the lottery counter. Or you may start racking up your credit cards, under the cloud of denial that you really can’t afford what you’re buying now and you won’t be able to afford it when you get the bill.
  • 23 Chores for Kids to Earn Money

    15 Dec 2014 | 12:00 am
    It's never too soon to teach kids about money, and one of the best ways to do that is by having them help out around the house. Here are 23 ways that kids can start earning their own cash at home.
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    Recent Blog Posts

  • Can The Bank Take Money From My Account to Pay What I Owe Them?

    7 Dec 2014 | 9:50 pm
    Your financial institution can take your money on deposit because of its right of setoff. WHAT IS A SETOFF? When you think of money being grabbed out of somebody's checking or savings account, what probably first comes to mind is garnishment. That what happens when a creditor sues and gets a judgment against a person who owes it a debt, and the creditor then tries to collect on that judgment by garnishing the person's bank accounts—getting the court to order that person's bank to pay the money from that person's account(s) to the creditor. With virtually all garnishments…
  • What to Do If You Have Been Denied a Checking or Savings Account

    2 Dec 2014 | 9:33 pm
    A couple months ago I wrote a blog post titled Eliminating Checking and Savings Account Debt in Bankruptcy. In it I introduced the specialty consumer reporting agencies—ChexSystems and Early Warning Services—which specifically collect information on consumers about any involuntary closures of their checking accounts, check-writing, and checking and savings account history, and do so on behalf of banks and other financial institutions. These institutions in turn refer to this kind of data about consumers before opening new accounts with them. If you've been denied when…
  • Debts Owed on Your Checking and Savings Accounts

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

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

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

  • CostShredder: This Free Tool Helps You Save a Ton of Money While Shopping Online

    Kyle Taylor
    19 Dec 2014 | 10:00 am
    I’m a huge fan of stacking savings. By using coupons, discounted gift cards (that you paid for with a rewards credit card), and a cash-back shopping site, you can save an incredible amount of money on your online (and offline) purchases. Of course, it does take a little bit of work and time to maximize your savings. To combine these processes and make saving easier, I like to use CostShredder. It helps me stack savings without as much effort by doing a lot of the work for me, and it’s really easy to use. If you’re searching for holiday gifts this weekend, give CostShredder a try.
  • Need Some Frugal Inspiration? 8 Money-Saving Ideas From Around the World

    Charlotte Edwards
    19 Dec 2014 | 3:00 am
    When it comes to saving money, there’s a whole spectrum of strategies. Some people love money-saving challenges, and others embrace unusual options like reusing dental floss or budgeting just $4 a day for food. But those of us who have lived frugally for years — though in less-extreme ways — may feel like we know all the tips and tricks. But do we really? From my experience living and working abroad, many people outside of North America live frugal lives to stretch their resources further. Many strategies are familiar, like taking lunches to work, drinking water instead of soft…
  • Make More Money as an Artist: 3 Simple Tweaks for Your Press Kit

    Sarah Greesonbach
    18 Dec 2014 | 10:00 am
    Many musicians would love to get paid to play music. The same goes for many artists with talents they’d like to monetize, such as crafters, dancers, speakers and artists. The common thread among all of these creative side hustles? They all rely on marketing and sales press kits to land gigs. But press kits are not all created equal. A Word document with your contact information and images of your recent art show or performance may get the details across to potential clients. However, it won’t establish authority, credibility or professionalism — three traits that command a higher…
  • Why Bing Rewards Might Convince You to Switch From Google

    Renee Knight
    18 Dec 2014 | 3:00 am
    If you spend a lot of time searching online, you might want to make Bing your search engine of choice. Why? Bing wants to pay you for your searches. Earn credits through Bing Rewards as you’re looking up the latest celebrity gossip or the best budget travel accommodation options — credits you can cash in for a variety of rewards, from $5 restaurant gift cards to free Skype credits. Ready to earn bonuses from searches you’re going to do anyway? I tested Bing Rewards to learn more about the reward process and how to maximize your earnings. Here’s how to get started. How Bing Rewards…
  • A Side Job for Cat Lovers: Earn $100 an Hour as a Cat Behaviorist

    Steve Gillman
    17 Dec 2014 | 10:00 am
    We may not all be able to take a hissing cat that pees on the couch and make it into a purring angel in hours, like Jackson Galaxy, host of the television program My Cat From Hell. But if you like cats and are willing to learn the tricks of the trade, you can make up to $100 per hour or more as a cat behaviorist. A what? A cat behaviorist (or cat therapist) helps our feline friends resolve their behavior problems, sometimes working with them one-on-one. More often, it’s necessary to involve the owners so they can understand the interactions between themselves, their cats and other…
 
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    Learn Financial Education

  • How to Share Your Blessings This Christmas and Beyond

    Gily Tenorio
    12 Dec 2014 | 5:12 pm
    Christmas is the time of the year when many people receive gifts, Christmas bonus and other bonuses you can imagine. It’s also the time of the year when more people share and give gifts to each other.   Mostly these gifts are in the form of money or material things. However, the best gift that you can give this season is the gift of love through any kind or form. It can be a service to your church or community, volunteering to an organization or your company and offering your talents to the less fortunate people like orphanage.   I would like to give you one recommendation on…
  • How to Spend Your Christmas Bonus the Smart Way

    Gily Tenorio
    28 Nov 2014 | 11:21 pm
    I assumed most of people working for a company have already received their Christmas bonus and 13th month pay. It’s one of the  great benefits as an employee.   When I was still working in the Philippines, I eagerly wait for that Christmas bonus to land on my payroll account. Who doesn’t want extra money in his pocket? I don’t know anybody.   Most people have already planned where or how to spend that money. Perhaps, most of you will buy a new gadget like a new smartphone or laptop. Some people may be planning to visit a good vacation place like Boracay or Bohol.
  • Means You Can Employ to Protect Yourself Against Credit Card Fraud

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

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

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

  • New York To Roll Out Tough New Debt Collection Regulations

    Jay Fleischman
    15 Dec 2014 | 3:00 am
      On December 3, 2014 New York State Governor Andrew M. Cuomo announced a series of new regulations aimed at curbing debt collection abuse in the state. “Here in New York we will not tolerate debt collectors who wrongfully take advantage of consumers,” Governor Cuomo said. “That’s why we’re rolling out tough new regulations that protect borrowers and help crack down on illegitimate debt collection practices. These new tools and disclosures will protect New Yorkers across the state, and I am pleased that our administration is leading the way on this issue.” The new…
  • Two Student Loan Debt Relief Companies Sued By CFPB

    Jay Fleischman
    12 Dec 2014 | 10:28 am
    The Consumer Financial Protection Bureau, the government consumer protection watchdog, is taking action against two companies that allegedly scammed student loan borrowers. According to lawsuits filed on December 11, 2014 against College Education Services LLC and Student Loan Processing.US, the companies deceived people into paying upfront fees for federal student loan repayment benefits that are available for free. College Education Services LLC, claims the lawsuit filed by CFPB and the Florida Attorney General, violated the Telemarketing Sales Rule (TSR), the Consumer Financial Protection…
  • Is There Really A Downside to Steering Clear of Student Loans?

    Jay Fleischman
    3 Dec 2014 | 4:01 pm
    It turns out there’s a downside to declining the opportunity to dig yourself into a pit of student loan debt. You probably can’t afford to pay for college any other way. But is that such a bad thing? At least, that’s what the folks over at Money Magazine say in this article. With a scant 45% of people polled were willing to borrow no more than about $10,000 in student loans, most students wouldn’t be able to cover a single year at many public four-year colleges, even after financial aid is taken into account. Unfortunately, the article continues, The problem with…
  • Why You Should Opt For IBR Before Public Service Loan Forgiveness

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

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

  • Global Asset Allocation Strategy: December 2014

    John Rothe
    10 Dec 2014 | 7:07 am
      Each month, I post an update to my global asset allocation strategy. This strategy is a relative strength based research model I use to view the flow of funds within the global equity markets. Last month’s holdings and performance:   December’s model holdings:   I am finding the increased weightings in US Treasuries (“TLT”) interesting. While the US equity markets continue to trade at record levels, the appetite for risk in global markets is diminishing. Perhaps global investors are thinking that the Fed will remain fairly dovish during 2015 and are…
  • Year End Stock Market Trends: Time To Celebrate?

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

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

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

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

  • 5 Tips for a Productive At Home Office

    Marissa Anwar
    14 Dec 2014 | 10:26 pm
    Working from home can be a blessing. Instead of spending your day commuting, you can focus on your projects from the comfort of your own house. To ensure you stay productive while at home, check out these tips for styling a functional home office. 1. Buy a Good Desk Your desk is the key piece of furniture in your office. It will be the home for items you rely on during the work day. A beautiful and functional design helps you concentrate on work, rather than spending your time shuffling around papers and cords. Whether you will be working from home full time, balancing the books or catching…
  • Get The Credit You Deserve for Your Education – Credit Union Student Lending

    Marissa Anwar
    3 Dec 2014 | 7:18 pm
    Recently, I ran into my young cousin, who just started her final year of high school. As we spoke about the excitement of the home stretch of high school, my cousin and I began talking about university and the financial difficulties that she may face to pay for her future education. Coming from a family who does not qualify for provincial student loans but requires assistance has put my cousin in a tough position. Luckily, one of the wonderful things that have come out of my credit union research is the fact that they are able to help students and offer strong education lending programs to…
  • Credit Unions and Cars – The Simple Purchase

    Melissa
    27 Nov 2014 | 3:32 pm
    As of this December, the lease on my second car will be up. After eight years of leasing cars and enjoying two new vehicles in a row, I have taken it upon myself to figure out what will be better financially for my next set of wheels. To lease or to buy? That is the question! When I got my first car at the age of 23, I was so excited. I remember picking up my brand new car, which was a trendy hatchback model in dark blue, and driving off the lot with a big smile on my face. I admit it though – my parents were amazing and covered the costs of this car to allow me more financial breathing…
  • Tips for Finding Funding for Your Start-Up

    Marissa Anwar
    27 Nov 2014 | 8:46 am
    Most people don’t know this, but I my day job involves working with VC firms and startups. I basically get to hear pitches every day all day. And while most people think that getting on Shark Tank or finding an investor will help them, the reality is that as incredible as your business idea may be, without the backing of significant funds, getting your business off the ground will be difficult. The reality is that a new business requires cash and there is currently good support for businesses and start-ups, largely through the realisation that small businesses are fundamental to a…
  • Looking for a Career Change?

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

  • 5 Tips for a Productive At Home Office

    Marissa Anwar
    14 Dec 2014 | 10:26 pm
    Working from home can be a blessing. Instead of spending your day commuting, you can focus on your projects from the comfort of your own house. To ensure you stay productive while at home, check out these tips for styling a functional home office. 1. Buy a Good Desk Your desk is the key piece of furniture in your office. It will be the home for items you rely on during the work day. A beautiful and functional design helps you concentrate on work, rather than spending your time shuffling around papers and cords. Whether you will be working from home full time, balancing the books or catching…
  • Get The Credit You Deserve for Your Education – Credit Union Student Lending

    Marissa Anwar
    3 Dec 2014 | 7:18 pm
    Recently, I ran into my young cousin, who just started her final year of high school. As we spoke about the excitement of the home stretch of high school, my cousin and I began talking about university and the financial difficulties that she may face to pay for her future education. Coming from a family who does not qualify for provincial student loans but requires assistance has put my cousin in a tough position. Luckily, one of the wonderful things that have come out of my credit union research is the fact that they are able to help students and offer strong education lending programs to…
  • Credit Unions and Cars – The Simple Purchase

    Melissa
    27 Nov 2014 | 3:32 pm
    As of this December, the lease on my second car will be up. After eight years of leasing cars and enjoying two new vehicles in a row, I have taken it upon myself to figure out what will be better financially for my next set of wheels. To lease or to buy? That is the question! When I got my first car at the age of 23, I was so excited. I remember picking up my brand new car, which was a trendy hatchback model in dark blue, and driving off the lot with a big smile on my face. I admit it though – my parents were amazing and covered the costs of this car to allow me more financial breathing…
  • Tips for Finding Funding for Your Start-Up

    Marissa Anwar
    27 Nov 2014 | 8:46 am
    Most people don’t know this, but I my day job involves working with VC firms and startups. I basically get to hear pitches every day all day. And while most people think that getting on Shark Tank or finding an investor will help them, the reality is that as incredible as your business idea may be, without the backing of significant funds, getting your business off the ground will be difficult. The reality is that a new business requires cash and there is currently good support for businesses and start-ups, largely through the realisation that small businesses are fundamental to a…
  • Looking for a Career Change?

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

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

    Chris Mettler
    19 Dec 2014 | 8:30 am
    Credit card news pops up every week and it’s not always easy to keep track of each story, especially all the stories about credit card fraud. That’s why we provide you with a summary of the top stories on CompareWallet so you can read what matters the most and not have to worry about all the other stuff. Here are the highlights for December 13-19, 2014. Apple Pay Supports 90% of U.S. Credit Cards Apple has announced that Apple Pay now supports 90 percent of credit card transactions in the U. S. Even more banks and retailers are expected to sign up as Chase and MasterCard continue to run…
  • FinanceU: Easing the financial burden of college

    Chris Mettler
    18 Dec 2014 | 11:29 am
    Obtaining a college degree is a huge financial burden to many students and their parents, and it’s only getting worse. Figuring out how to cover the cost of tuition and additional expenses for college can be a daunting task. However, if you start planning early, it may not be as big of a strain as it seems. CompareCards’ FinanceU  There are important steps you can take before, during, and after college that can make paying for your education more manageable. FinanceU offers information and resources tailored to new and existing college students. This information will help them…
  • Credit Cards in the News: December 6-12, 2014

    Chris Mettler
    12 Dec 2014 | 6:51 am
    Credit card news pops up every week and it’s not always easy to keep track of each story, especially all the stories about credit card fraud. That’s why we provide you with a summary of the top stories on CompareWallet so you can read what matters the most and not have to worry about all the other stuff. Here are the highlights for December 6-12, 2014. CFPB Proposes New Rules for Plastic The CFPB has been working hard to protect consumers against outrageous fees incurred from prepaid products. The Proposed Rule will include prepaid products such as stored value cards, mobile payment…
  • Why Carrying a Balance on a Rewards Card Defeats the Purpose

    Jason Steele
    11 Dec 2014 | 8:05 am
    Do you race your minivan around a track? Do you try to stuff your kids and their soccer gear into a Ferrari? Of course not, because doing so would be impractical, costly, or even dangerous. Different products are designed for vastly different uses, and it makes no sense to try to use an otherwise well designed thing, for something it was never meant to do. The same principle holds true for credit cards. Those who carry a balance should be using a credit card with the lowest possible interest rate, while those who pay their balances in full should be earning the highest rate of returns.
  • Starbuck’s Card Review  

    Bethany Carlson
    10 Dec 2014 | 5:00 am
    Although the Starbuck’s Card is not actually a credit card, it does have some similarities to a prepaid debit card. This card works like a prepaid debit card because you can load anywhere from $5.00 to $500.00 onto the card either online, through the app, or at participating stores. What makes the card different from a prepaid debit card, however, is that the Starbuck’s Card has a rewards program for cardholders. Right now, Starbucks is running an excellent contest where 14 lucky winners will win Starbucks for life in the Starbucks It’s a Wonderful Card Ultimate Giveaway* Contest! Here…
 
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    Feeds : dailyworth

  • The Smart Way to Give to Charity

    21 Dec 2014 | 9:00 pm
    Make It Count We’re giving more these days — but we’re not necessarily being smart about it. Charitable contributions have increased more than 12 percent since the recession ended in 2009, according to Giving USA’s annual report, with the average household donating $2,974 last year. But charity watchdogs say too much of our money is getting swallowed up by unnecessary costs and fees, or going into the pockets of thieves. Here’s how to make sure your charitable contributions do the most good. Plan It Out If most of your donations are made spontaneously, in…
  • What to Do Before 2014 Ends: A Financial Cheat Sheet

    14 Dec 2014 | 9:00 pm
    The holidays are a busy time of year — and expensive too. That's why it makes sense to take a break from the hubbub and look for some last-minute ways you can save money on your taxes. Here are the top moves to make: 1. Stuff money into retirement accounts. It may be too late to max out your 401(k), but you can put up to $5,500 into an IRA or Roth IRA, even if you have a workplace plan. (The limit is $6,500 if you're 50 or older.) Then set yourself up for more retirement savings next year by asking your human resources department to boost your 401(k) contribution. Even 1 percent…
  • How to Spend a Million Dollars

    11 Dec 2014 | 9:00 pm
    Cash Money I read once that the typical windfall is spent within 18 months. No matter how big the inheritance, bonus, tax refund, lottery win, or lawsuit settlement, people think they're richer than they really are and the money is soon gone. I thought I was smarter than that. Then I received an $80,000 bequest from a relative when I was 30. A big chunk, $50,000, became the down payment on my first home. The rest? I have no idea. It was spent in dribs and drabs, here and there, on this and that. What I do know is that in a couple of years, it was gone. Financial planners will tell you…
  • What Do Millionaires Know That We Don’t?

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

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

  • Financial Aggression – When it Pays Not to Save

    Guest Contributer
    11 Dec 2014 | 12:22 pm
    Financial writers are proponents of caution. And this is a sensible way to be. Most finance blog readers are youngish, young enough to set money aside and watch it grow for a long time. But this method assumes quite a lot about the individual: 1) That you won’t find a better return on your investment through your own study, 2) That you are uncomfortable with bigger-than-average risk and, 3) that you don’t see yourself as your primary investment strategy. Of course, I will always advocate a certain amount of conservativeness in investments, but I also think it pays to be a bit more…
  • Not Just Another Post On How To Make Money

    Guest Contributer
    11 Dec 2014 | 11:37 am
    Rob Pivnick, Author “What All Kids (and adults too) Should Know About . . . Saving & Investing” “How’d you get that for free?” “You got a discount on that . . .how?” To use a cliché, I wish I had a nickel for every time I heard something like that – that would be a real money-making tip. Sometimes, one of those questions is followed up with advice that I should write a book about all my money saving tricks. My response has always been that any book I wrote would just get lost in the sea of other crappy books on how to save money. I did, however, write a more thoughtful…
  • How a Master’s in Public Administration Can Lead You to Running the Show

    Guest Contributer
    11 Dec 2014 | 11:10 am
    Earning a Master’s of Public Administration offers you the opportunity to become your own boss. In the process of gaining your degree, you’ll learn much more than how to communicate with employees and the public. You’ll learn how to form limited liability corporations and how to use a trademark to differentiate your brand. And if you don’t want to build a company from scratch, there are several jobs in both the public and private sectors where an MPA will boost you to the top. Below are only a few examples of how an MPA can lead you to running the show. City Director…
  • Money Makeover: Get Wiser and Get Out of Debt for Life

    Hank Coleman
    6 Dec 2014 | 12:10 pm
    Debt is hardly unique to many American households, especially when you consider that the average amount of credit card debt per person is $5,000. You add that figure up and multiply it by the number of households, then factor in other debts like loans and store cards and you don’t have to be a math genius to work out that there are a lot of people carrying a debt burden through their lives. When you don’t have access to an emergency fund, credit can quickly become your only safety net. Having a lot of debts in different places can quickly add up to some challenging individual monthly…
  • Cost-Cutting in Canada: Simple Steps for Keeping Those Energy Bills in Check

    Hank Coleman
    6 Dec 2014 | 12:03 pm
    Canadians use energy to heat water, operate appliances and cool, heat and light their homes. Heating and cooling account for much of the total household energy usage, but householders also use a great deal of energy for running appliances and other devices. Sources of energy include natural gas (47% of households), electricity (37%), oil, propane and wood. The rising costs of natural gas and electricity as well as their impact on the environment call for householders to curb their energy consumption to cut energy costs and reduce their environmental impact. Factors such as household size,…
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    Forex Weekly Technical Indicators Statistic Record

  • EUR-USD and GBP-USD Technical (1 - 5 December 2014)

    Meiji Jap
    29 Nov 2014 | 5:00 am
    MACD Settings:- First EMA = 12 | Second EMA = 26 | Signal EMA = 9Stochastic Settings:- Period = 5 | Average Period Fast = 7 | Average Period Full =7Bollinger Bands Settings:- Average = 20 | Standard Deviation = 2Date: 29 November 2014Time: 8:05 PM (+8 GMT) EUR-USD Technical.Indicators 4 Hourly Daily Weekly Monthly MACD UP UP DOWN DOWN Full Stochastic UP DOWN
  • Post Technical Analysis (16 - 22 Nov 2014)

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

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

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

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

  • Feel like your financial dreams don’t come true? Here’s why…

    Mindy Crary
    16 Dec 2014 | 11:34 am
    When you have financial goals and dreams that you never seem to reach, it might be because you’re resisting something in your current situation. You might have resentment or guilt over past money mistakes. Or you might have always told yourself that you’re not good with money. Or, you might be afraid to even admit what you really want, because it would disrupt your life so drastically—so you focus on the money aspects and remain disappointed. Self love comes first Any time we attempt to turn out dreams into action, self love is the center of it. Any time you set a new goal for yourself,…
  • How to feel more powerful about money

    Mindy Crary
    9 Dec 2014 | 10:51 am
    When we don’t feel grounded in our personal power, it tends to affect the decisions we make about money.  Our sense of personal power affects so many areas—our self-worth and self-esteem; as well as our self-confidence when we stand as individuals. Many people become so identified with their primary tribe or community that they become intimidated when placed in situations where they must stand on their own. And when you’re afraid of standing on your own, you avoid being powerful when it comes to money. Individual Power When we’re presented with situations that depend on our…
  • How to feel like you deserve more money

    Mindy Crary
    25 Nov 2014 | 8:00 am
    One thing that comes up when you work with people and money is that sometimes people think they don’t deserve to have all of the money they want.This might expand out to other areas of life, such as denying yourself pleasure or enjoyment, or putting others ahead of your own needs. When you DO feel like you deserve to have everything you want, you sort of trust that everything will work itself out.This doesn’t need to have anything to do with a higher power—it might for some people–but also it can be about your own personal confidence in handling whatever life throws at you. When…
  • How to be a Money Boss & expect more from your money

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

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

  • Giving Ooma as a Gift or Christmas Present

    Charlie
    19 Dec 2014 | 3:45 am
    Merry Christmas and Happy New Year TTG readers! I love this time of year, because we get to put up the Christmas tree and focus on others and not ourselves. For many people it can be very stressful when you don’t know what gift to get a friend or family member. Here’s an option you should consider: if some of your gift recipients are paying more than $20 per month in home phone bills, it’s not too late to give them an Ooma Telo. Since we switched our family over to Ooma, we’ve saved over $1000, and monthly savings continue to add up. But before you jump headfirst here are a few…
  • Personal Capital – An All-in-One Financial Platform

    Kevin
    17 Dec 2014 | 3:47 am
    Personal Capital is one of the growing number of investment platforms available. But it may be even better described as an account aggregator since it also connects virtually all of your financial accounts, including your bank accounts, investment accounts, credit cards and even your mortgage. On top of that, they also provide investment advice to help you manage and grow your investments. It’s professional investment management, but without the high fees typically associated with that service.  The Many Benefits of Working With Personal Capital Personal Capital provides such a wide range…
  • Thrifty Things You Can Do to Feel Better

    Aaron
    15 Dec 2014 | 4:07 am
    As I found out, sometimes feeling better doesn’t take a whole lot of effort or money. For me, just changing my diet was one of the best things I’ve done and helped improve my health tremendously. I’ve been thinking about other – sometimes overlooked – little things we can do to make our lives healthier and better. Here’s a few that I’ve come across that I hope benefit you. Please let me know if there are other thrifty things you employ that don’t cost anything (or very little) but improve your way of life.  Remove your wallet For us guys…
  • Tips for Investing in Silver

    Charlie
    12 Dec 2014 | 1:56 am
    This blog post was written as part of my collaboration with eBay. All opinions expressed are our own. If you haven’t been living in a cave the last few years, then you may have noticed all the advertisements about investing in silver. Companies that are willing to buy or sell silver, because the demand has been there based on the economics of both our country and the world. People have a genuine concern for where to put their money and they don’t know where to start. As I started my collection in 2007, I looked online a lot and read a lot of books on tips and tricks to start my…
  • Try These Tips to Save an Extra 10% or More on Purchases

    Aaron
    10 Dec 2014 | 3:48 am
    If you’ve ever seen an episode of Pawn Stars, you can learn a lot about how the owner of the pawn shop (Rick Harrison) negotiates with folks who are wanting to sell him stuff. One of his most used tactic is to find something wrong with the item. This could be anywhere from “it will sit in my store a long time” to “there’s a lot of scratches on this and it will cost me some money to restore it“.  He’s pretty successful at getting items for a reasonable price that he can resell in his shop. You can try these tactics too For many years, I never thought…
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    Nerd's Eye View | Kitces.com

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

    Michael Kitces
    19 Dec 2014 | 12:31 pm
    Enjoy the current installment of "weekend reading for financial planners" - this week's edition kicks off with two news stories about the CFP Board, the first that disciplinary chief Michael Shaw (who had responsibility around both the compensation disclosure rules, and the ongoing Camarda lawsuit) has left the organization without an immediate replacement named, and the second that the results are in from the CFP Board's first computer-based exam, which scored results reasonably in-line with prior exams (suggesting it was not actually easier in the shorter computer format), but appears to…
  • Tax Extenders Reinstated Temporarily, But ABLE Act Of 2014 Will Permanently Change 529 Plan Landscape For Special Needs Beneficiaries

    Michael Kitces
    17 Dec 2014 | 4:01 am
    Late last night, the Senate passed H.R. 5771, known as the Tax Increase Prevention Act of 2014 or more simply as the “Tax Extenders” legislation. Having already passed the House of Representatives two weeks ago, the legislation will soon go before President Obama and should be signed into law within the next few days. In its final form, the legislation “patches” the tax extenders for one year, retroactively reinstating a wide range of provisions that technically lapsed at the end of 2013, to now be available for the current 2014 tax year. This includes the popular rule allowed those…
  • How Technology Is Turning The Typical Advisor AUM Fee Schedule Upside Down

    Michael Kitces
    15 Dec 2014 | 4:01 am
    The “traditional” AUM fee schedule for an advisory firm has graduated breakpoint as asset levels rise, a tacit acknowledgement that it doesn’t really take twice the work to service a client with twice the assets, and that investment management (and/or with broader financial planning and wealth management services) is fundamentally an expensive service that gets cheaper with “volume” discounts as clients invest more. By contrast, today’s “robo-advisor” platforms simply charge a flat low AUM fee. While robo-advisors provide only a limited scope of services for that price point…
  • Weekend Reading for Financial Planners (Dec 13-14)

    Michael Kitces
    12 Dec 2014 | 11:31 am
    Enjoy the current installment of "weekend reading for financial planners" - this week's edition kicks off with some industry regulatory news, including the potential that Congress may soon approve NARAB (creating the National Association of Registered Agents and Brokers) to better facilitate multi-state insurance licensing, and that the SEC is considering whether to require large RIAs to have a business continuity and succession plan in place (following on a similar proposal by NASAA earlier this year for state RIAs to be subject to such a rule as well). Also in the news this week are a…
  • Understanding The New Once-Per-Year 60-Day Rollover Rules For IRAs And The Exclusion For Trustee-To-Trustee Transfers

    Michael Kitces
    10 Dec 2014 | 4:01 am
    The rule allowing IRA distributions to be rolled over within 60 days to avoid taxation has been around as long as IRAs themselves have existed, whether used simply to facilitate the transfer of an account, to fix a distribution mistake, or for those who want to use their IRA as a form of “temporary loan” to be repaid in a timely manner. However, to prevent abuse, Congress did enact a rule that limits 60-day rollovers to only being done once every 12 months, which the IRS has historically applied on an IRA-by-IRA basis. In the recent case of Bobrow v. Commissioner, though, the Tax Court…
 
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    Epic Finances - Investment Blog

  • Best Investment Techniques for Home Loans

    Carmello
    28 Nov 2014 | 5:58 am
    Investment properties have long been a tightly-kept secret for increasing one’s wealth. Now investing in property has become almost a normality, with many opting to buy a property and use it as security for another loan or just as a rental property. While an investment property may seem like a fast-track to big bucks, it’s important to be fully informed of all the financial risks associated with purchasing a property for investment purposes. In other words, it’s important to know you’re really getting the best investment and the best investment loans. Don’t just buy any Property The…
  • Stock Investing Myths and Truths Part 4 of 4

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

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

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

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

  • Moneystepper’s 2015 Saving Challenge

    Pauline
    17 Dec 2014 | 10:05 pm
    Fancy a new challenge in 2015? Want to save more money and become wealthier? If you do, Moneystepper.com may have just the thing for you. The Moneystepper 2015 Savings Challenge is a free community where participants in the challenge are working together to accelerate their climb up the steps to financial freedom. So, how does it work? Well, the general idea is that each member of the challenge will work towards two annual goals: % Increase in Net Wealth Savings Rate % Let’s have a look at these goals in a bit more detail.   % Increase in Net Wealth Net wealth is one of the most…
  • £30 Christmas giveaway!

    Pauline
    10 Dec 2014 | 5:40 pm
      Hi there! Did you realize there were only two weeks left until Christmas? Scary, I know… we talked recently about the ideal gift, and I am sure at the moment some of you are just scratching their heads thinking about what would make their family and loved ones really happy for Christmas. And trying to find ways to avoid the high street craziness of shopping at the last minute! Lucky for you, you are still in time for online Christmas shopping. No queues, no hassle, a few clicks from the convenience of your home and your presents will be there right in time for Christmas. But…
  • Christmas Celebration in the Pinas “Philippines”

    Pauline
    8 Dec 2014 | 10:05 pm
    Credit Good morning everyone! Today, my VA Clarisse will share how they spend their Christmas Celebration in the Pinas “Philippines”. Hello December! Time flies soooo fast and December is here again. The Philippines is well known for having the world’s longest Christmas celebration. For us, when the ber months start, it means that Christmas is already coming. You know that Christmas is really coming when TV news programs and even the radio start their Christmas countdown by September 15 or 100 days before Christmas! Some people started to put on their Christmas decoration as early as…
  • 10 things to know before you get a Great Dane

    Pauline
    8 Dec 2014 | 2:05 pm
    Little Napoleon, the cutest Great Dane to ever walk the Earth, has been with us for a few months now, and in an attempt to see how to keep him happy and healthy, I have learned quite a bit that I wanted to share if you are considering a giant breed.   They are huge I know, duh. He was so tiny as a puppy he fit in the motorcycle pannier to get home, but I think he will get almost as big as the entire motorcycle. The average height of a Great Dane is around 90cm, 180cm if they stand, and the average weight 120lb. That is a small adult! Think about it when it is time to go on a road trip or…
  • A word about helping and gratefulness

    Pauline
    7 Dec 2014 | 10:13 pm
    Lately, I have lent my old car, a beaten up Suzuki Samurai from the end of the last century, to a couple of Airbnb guests. I have always been into sharing what I have, be it on Couchsurfing or Freecycle or just with random strangers. I am in a remote location and public transportation is not ideal, so it was kind of necessary to ensure guests remained happy. And now that I have two cars, it is not such a big deal. The first person stayed at my place for a week, and used the car heavily. I didn’t charge him a penny, so was at least expecting a clean car and full tank in return. He gave it…
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    I Need Money

  • The Best Ways to Finance Buying a Car

    admin
    30 Nov 2014 | 6:50 pm
    After purchasing a home, a car is one of the biggest purchases one can make, so it’s really important that you choose the right finance option. Over two million new vehicles are sold each year in the UK, yet thousands of buyers unwittingly pay over the odds for their car because they get it wrong. Here’s a guide to help you to make the right choice. Personal Contract Purchase (PCP) A PCP is where the buyer makes payments over the course of three to four years in order to use the car. These payments do not tie them into a final sale once this period ends. Instead, once this date is…
  • The Emerging Financial Markets: Do they represent a Viable Investment Opportunity in the Current Climate?

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

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

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

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

  • Have you found the right contact management tool yet?

    Vibhav
    18 Dec 2014 | 3:55 am
    Can you use an ​axe to prune roses, or a hacksaw to chop veggies? They may get the job done, but is either of them the right tool for the job? A sales ​automation tool can manage your contacts, but is it the right tool for the job? Isn’t it an overkill? A​ ​contact management tool might be a better bet. Here’s why: Across your business, you talk to customers,  vendors, partners, auditors, lawyers, consultants, etc. There are many contacts in your phone and mail account as well. A contact management tool can keep contacts and conversations indexed at one place. If someone…
  • Advanced Analytics Add-on for ManageEngine ServiceDesk Plus

    Arvind
    18 Dec 2014 | 2:40 am
    ManageEngine ServiceDesk Plus (SDP) is the widely popular help desk software loved by IT managers world wide. We are excited to announce the advanced analytics add-on for SDP, powered by Zoho Reports. Why advanced analytics for SDP? As IT managers and their teams fight IT fires every day, the effort required to analyze service desk data becomes an additional overhead for them. And IT technicians have to write complex scripts/queries to generate the right reports. Not anymore, because with this integration with Zoho Reports, SDP customers can create fine-grained reports with…
  • Where do You Go from Here? Best Practices for Using a CRM System

    Laura Burrus
    17 Dec 2014 | 4:40 pm
    This is the last post in our series looking at the 5 Big Questions of CRM Systems. In case you missed the first four posts, make sure you check them out: 1. Who Should Use a CRM System? 2. What is a CRM?  3. Why You Need a CRM System 4. When Should You Implement a CRM System?  In this post, I want to give you some best practices for using CRM Map out your sales process and engrain it in your sales team - How do potential customers find you and how are they going to get into your CRM - What happens to those potentials once they are in your CRM - What steps do your sales team need to…
  • When Should You Implement CRM into Your Business?

    Laura Burrus
    16 Dec 2014 | 12:31 pm
    This is the fourth post in a five part series looking at the 5 Big Questions of CRM Systems. If you missed the first three posts, you’ll want to check out Who should use a CRM, What is CRM and Why You should use CRM This post will discuss when you should implement CRM into your business. As a small business, you probably use an organizational process that has worked well up to this point. Maybe you’ve used Excel to keep track of new purchases and contact information, or maybe you use several different apps for your data. Whatever your process has been, you’re looking…
  • 5 Habits of a Successful Zoho Docs Administrator

    Chinmayee Mishra
    16 Dec 2014 | 9:54 am
    An admin newbie? Still trying to learn the ropes? Being the guy with “all the power” is not as fancy as it sounds. It’s a two-sided coin, where the word RESPONSIBILITY is spelled out in bold. Not to worry! We are here to help you get a sneak peek into the admin cheat sheet and let you in on some best habits to keep. 1. On board Users and Assign Roles: Sounds like a piece of cake? Well, it is. Onboarding users and assigning them roles are the most important tasks too. The IT Admin invites the users to join the account, thus initiating the onboarding process and helping the…
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    Cult Of Money

  • Can You Save Half of Your Income?

    Alexa Mason
    17 Dec 2014 | 12:15 am
    I’m feeling pretty ecstatic about what next year is going to bring me financially. Not just because January marks the New Year, but because I made some serious changes in my business over the last few months and now everything is coming together. In fact, December should be my highest income earning month ever! And now that I have my plan in motion and am already seeing some amazing results, I need to get the rest of my finances in order. Specifically, I want to save for a down payment on a home. And as crazy as this might sound that means I’ll be needing to save at least half of my…
  • 5 Ways Your Business Can Sell Itself

    Robert Farrington
    16 Dec 2014 | 12:15 am
    Maybe you’re one of the best in your industry, but no one knows about you. Or perhaps people do know about you, but they’re either unaware of your business, or a little scared of either you or your place of work. If this sounds a bit silly, think about the time you may have gone into a hair salon where the owner was smoking, or perhaps an old book store or coffee shop where the proprietor had a cat or dog that was more at home than the customers. For a lot of people, these are environmental things that just aren’t appealing – and these people won’t come back to a place of business…
  • 6 Lazy Ways to Save Money

    Alexa Mason
    10 Dec 2014 | 12:15 am
    I’ve got a confession: when it comes to money I’ve gotten pretty lazy. It wasn’t always like this though. I was 20 when I first took an interest in personal finance. Tracking my spending, pinching pennies, and transferring every extra $5 I could into savings energized me. I read every personal finance book I could find and wrote out a budget every week. Fast forward eight years later and the thought of tracking every penny exhausts me. Now don’t get me wrong, I still manage my money well. However, I let everything run on autopilot. I don’t worry about spending an extra fifty cents…
  • How to Find a Work From Home Job

    Alexa Mason
    3 Dec 2014 | 12:15 am
    Here recently I’ve been asked over and over how to find a legit work from home job. I think most people expect an easy answer – just do this one thing, work two hours a week, and you can make a couple grand a month. But it doesn’t work like that. Finding a good work from home job, with decent pay, that you actually enjoy, requires a lot of upfront work and a lot of ongoing work. There’s no trick to finding a good work from home job. In fact, it’s quite similar to finding a day job only you (mostly) communicate through email with the occasional phone or Skype call. For those of you…
  • How to Get the Best Online Deals for Christmas (Plus $500 Giveaway)

    Alexa Mason
    1 Dec 2014 | 12:15 am
    Shopping online is a great way to find bargain deals for Christmas. And being able to get fabulous gifts without leaving your house? Priceless. If you want to make your Christmas Budget stretch as far as possible this season here’s how you can get the best online deals for Christmas. Sign Up with a Deals Site You can sign up for a coupon or deals site like Chippmunk to have the best deals sent to your inbox each day. This way you can quickly scan through the list to see if anything matches your shopping list! Stack Coupon Codes I love, love coupon codes. In fact I rarely (if ever) buy…
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    PFhub - Business, Financial & Economic News

  • Is Apple Pay Ready for Primetime?

    Kaitlin Longmire
    21 Dec 2014 | 3:56 pm
    Apple Inc. (NASDAQ:AAPL) launched Apply Pay on the 16th of October with the hopes to change the way consumers carry out their transactions; however the company ran into a few issues when some retailers joined forces and discontinued using Apple Pay for an alternate payment method and showed their disinterest in Apple’s payment technology. Apple […]The post Is Apple Pay Ready for Primetime? appeared first on PFhub - Business, Financial & Economic News.
  • Lenovo New Smartphone Codename “P70t” 46 Day Battery Life

    Kaitlin Longmire
    21 Dec 2014 | 3:15 pm
    Smartphones have revolutionized the cell phone industry; they have become much more than just mobile phones and are rapidly replacing other hand-held gadgets such as tablets. However one major problem with smartphones is their battery life that drains a bit too quickly. The interesting fact is that no matter which brand you buy, Apple, Samsung […]The post Lenovo New Smartphone Codename “P70t” 46 Day Battery Life appeared first on PFhub - Business, Financial & Economic News.
  • Apple Inc. Weekly Roundup: 2015, Russia & BBC

    Kaitlin Longmire
    21 Dec 2014 | 1:46 pm
    Apple’s stock showed mild improvement when the stock market closed last Friday. Though according to a few experts the company’s stock price should be much higher than its current value, but the good news for Apple Inc. (NASDAQ:AAPL) is that it is not yet declining too alarmingly. The tech giant has many new ventures to […]The post Apple Inc. Weekly Roundup: 2015, Russia & BBC appeared first on PFhub - Business, Financial & Economic News.
  • Google Inc. Weekly Roundup: Antitrust, Piracy & Stock Price

    Kaitlin Longmire
    21 Dec 2014 | 1:26 pm
    Google had a relatively slow week at the stock market and did not show any exciting activity. Google Inc. (NASDAQ:GOOG) is no doubt one of the biggest companies in the world when it comes to the internet and gadgetry, but political scandals and Google’s questionable activities and practices have created a lot of hurdles for […]The post Google Inc. Weekly Roundup: Antitrust, Piracy & Stock Price appeared first on PFhub - Business, Financial & Economic News.
  • FCC Issues Ruling on Washington Redskins Name

    Andrew Moran
    19 Dec 2014 | 10:37 am
    Whether or not the Washington Redskins name is offensive or nor has been fiercely debated for months now. From the Obama administration to sports analysts, everyone has given their two cents on the matter. But now a government agency has chimed in. The Federal Communications Commission (FCC) announced Friday that it has issued a ruling […]The post FCC Issues Ruling on Washington Redskins Name appeared first on PFhub - Business, Financial & Economic News.
 
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    Squawkfox

  • What the markets did in 2014

    Kerry
    16 Dec 2014 | 6:53 pm
    Having trouble viewing this? CLICK HERE What the markets did in 2014 Investing It was a tumultuous year. Basically... Read More... The Squawkfox Blog is by Kerry K. Taylor www.squawkfox.com Copyright © 2014 Squawkfox.com. All rights reserved.
  • Super Savers: Talkin’ on TV about the cost of raising kids

    Kerry
    11 Dec 2014 | 11:57 am
    Having trouble viewing this? CLICK HERE Super Savers: Talkin' on TV about the cost of raising kids Babies & Kids A round-up of my top TV clips and posts helpful to young families looking for financial relief. Read More... The Squawkfox Blog is by Kerry K. Taylor www.squawkfox.com Copyright © 2014 Squawkfox.com. All rights reserved.
  • The Comedy Network: Camping out with The Late O’Clock News to save money

    Kerry
    8 Dec 2014 | 10:41 am
    Having trouble viewing this? CLICK HERE The Comedy Network: Camping out with The Late O'Clock News to save money Holidays It's not everyday a financial writer is invited to do comedy on The Comedy Network. Read More... The Squawkfox Blog is by Kerry K. Taylor www.squawkfox.com Copyright © 2014 Squawkfox.com. All rights reserved.
  • Impulse buying is the Achilles of saving money

    Kerry
    4 Dec 2014 | 7:10 pm
    Having trouble viewing this? CLICK HERE Impulse buying is the Achilles of saving money Saving, Shopping Watch out for impulse purchases or you may end up with skeletons in your closet. Read More... The Squawkfox Blog is by Kerry K. Taylor www.squawkfox.com Copyright © 2014 Squawkfox.com. All rights reserved.
  • 5 Budget-friendly tactics for surviving Black Friday

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

  • Top 10 TV Christmas Specials

    Mike Collins
    17 Dec 2014 | 3:06 am
    One of my favorite parts of the holiday season is cuddling up on the couch with my kids and watching our favorite Christmas specials.  There’s just something special about watching holiday shows and movies by the light of the Christmas tree.  But there’s so many classic Christmas specials to choose from…which should you watch first? Well everyone has their own favorites so your list might look a bit different than mine, but here is my family’s list of the top ten Christmas specials. 10. A Charlie Brown Christmas – Who doesn’t love this cartoon classic where lovable loser…
  • 7 Terrible Gifts You Should Never Give a Coworker

    Mike Collins
    9 Dec 2014 | 3:58 pm
    Christmas is right around the corner and now is the time when workers everywhere have to start thinking about their company’s gift grab bag or Secret Santa pools. These traditional gift-exchanging programs are meant to be fun and build some team unity, but for some people they can only lead to trouble.  It’s not easy buying gifts for someone that you don’t really know all that well and everyone has stories of odd, inappropriate, or downright insulting gifts exchanged during a company grab bag. This story from 9 News lists seven of the worst gifts you could give a coworker…the…
  • Homer Simpson’s Top Ten Business Ideas

    Mike Collins
    2 Dec 2014 | 5:03 am
    I’ve been a fan of The Simpsons from the very beginning when they started out as a cartoon short during the Tracey Ullman Show.  The characters have changed quite a bit over the years and none more so than Homer Simpson.  In early episodes, Homer was a hard-working father with good intentions who just never seemed to catch a break.  These days he’s little more than a buffoon bouncing from one comic adventure to the next. But there is one character trait that Homer has managed to maintain through it all and that is his entrepreneurial side.  Time and time again Homer has started…
  • Why Is It Called Black Friday?

    Mike Collins
    28 Nov 2014 | 4:13 am
    Everyone knows it’s a huge day for shopping, but why is it called Black Friday? Another Black Friday is upon us and you know what that means.  Throngs of anxious shoppers pushing, shoving, and trampling each other to decide who will be the lucky one who gets the deeply discounted video game, blu-ray player or Elmo doll.  Millions of people get up early (or stay up all night) and camp out in front of stores like Best Buy, Walmart, Target, and Toys R Us in the hopes of getting the best deal possible. Personally I think they’re all nuts.  I’d rather pull my fingernails off with a pair…
  • How Does 401k Vesting Work?

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

  • How to Conquer the Four Biggest Financial Challenges: Free Webinar Replay

    Pamela Yellen
    3 Dec 2014 | 12:00 am
    What would happen if you were faced with a completely unforeseen expense and you had to come up with $2,000 – or even $10,000 – to cover it? Could you find the money – without having to borrow, beg, or sell something? Half the workers and retirees in this country say no, they couldn’t get their hands on even $2,000 in the next 30 days, without going into debt or being forced to sell something. Could you? Would you have to rob your retirement fund? Considering that the average household has only $25,000 saved up – which is supposed to last them the rest of their lives – this would…
  • Expert Interview: Cultivating an Attitude of Gratitude

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

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

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

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

  • 10 Insanely Underrated Nonprofit Organizations

    Ren Ellis
    22 Dec 2014 | 2:00 am
    The holiday season is an excellent time to give back. Whether you’re hoping to make end-of-the-year donations in the spirit of the holidays or researching opportunities to become a long-term supporter of a new cause, these 10 insanely underrated nonprofit organizations are a great place to start.   ALEX’S LEMONADE STAND FOUNDATION NBC News Alex’s Lemonade Stand Foundation (ALSF) shares the goal of its founder and namesake, Alexander “Alex” Scott— to find a cure for childhood cancer. At the age of four, Alex set up a lemonade stand to raise money to…
  • The Beginner’s Guide to Salary Negotiation

    alissaharb
    18 Dec 2014 | 2:00 am
    You donned your finest suit, did well in the first interview, fell in love with the company culture, and now it’s within your grasp: that much-hoped-for, much-anticipated job offer. It feels like time the time to get excited, except for that one big detail you’ve yet to address—your starting pay. Negotiating a salary, especially if you’re new to the game, represents a tricky proposition at best. Especially after a nerve-racking interview process, it can feel like walking the tightrope all over again. You may think that you need to accept whatever the prospective employer offers.
  • Science Says: Banking Culture Is as Dishonest As You Think

    alissaharb
    17 Dec 2014 | 4:00 am
    Just as Morgan Stanley, Goldman Sachs and J.P. Morgan Chase prepared to go on the defense before U.S. officials, a scientific study was released suggesting that banking culture may, in fact, be just as dishonest as we all often suspect. Here, Newsy reports on the results of the study—and the prospects for major financial institutions currently under ethical scrutiny.
  • Knowing the Score: The Ins and Outs of the SAT and ACT

    alissaharb
    16 Dec 2014 | 2:00 am
    There’s a question you won’t find on either the SAT or ACT, perhaps because it’s so tough that even parents have trouble answering it without lots of study. That is: Does one method of standardized testing offer advantages over the other that can help a student’s college prospects, as well as the amount of financial aid he or she might anticipate? Though both examinations share three-letter acronyms, crucial differences exist between them—which you can put to your advantage if you know the rules of thumb beforehand. To that end, we called on Mark Kantrowitz, Senior Vice President…
  • The Cost of Addiction: What Are Your Bad Habits Costing You?

    alissaharb
    15 Dec 2014 | 10:48 am
    It’s no secret that bar tabs and cartons of cigarettes add up quickly, but what about those seemingly innocent habits—TV time, for example. Here, Buzzfeed provides a rundown of the costs associated with common addictions, covering a wide range of vices from alcohol and cigarettes to television and data usage.   Don’t miss… Three Honest Money Mistakes (And What They’re Costing Us)
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    Investment Fraud Attorneys | Hermann, Cahn & Schneider, LLP

  • FINRA Members Denounce Unfair Aspects of Administrative Proceedings

    Jay Salamon
    15 Dec 2014 | 7:59 am
    This article was originally posted on Stock Market Loss The Financial Industry Regulatory Association (FINRA), a self-regulatory organization created and funded by the brokerage industry, wields powers ceded to it by its benevolent overseer, the Securities and Exchange Commission. One way the industry regulates itself is to have FINRA operate a mandatory dispute resolution system by which aggrieved investors are prohibited from suing brokers in a real court with judges, juries, and rules of evidence and procedure. Brokerage customers instead must arbitrate their claims in accordance with…
  • Not Quite Investments: Binary Options Are Purely A Gamble

    Jay Salamon
    26 Sep 2014 | 8:28 am
    This article was originally posted on Stock Market Loss The Ohio Division of Securities recently initiated an administrative action against an online binary options platform operating from the United Kingdom. The Division alleges that Vault Options lured at least one Ohio investor into investing $50,000 based on false and fraudulent statements, including touting the security of the investment and inflated returns up to 500 percent. Binary, Digital, and All or Nothing Options In light of this ODS action, it strikes us as a good time to address the growing popularity of binary options, also…
  • VARIABLE LIFE INSURANCE ALERT!

    Jay Salamon
    28 Jul 2014 | 12:47 pm
    This article was originally posted on Stock Market Loss The lawyers of stockmarketloss.com, a practice group of Cleveland, OH law firm Hermann, Cahn & Schneider LLC, are receiving a growing number of inquiries from victims of variable life insurance fraud. How do you know if you’re a victim. Look At What You Were Sold Some people don’t even realize they were sold variable life insurance. Look carefully at your policy or prospectus. If they contain any of these terms, you can be pretty sure you bought variable insurance: The product name includes the word “Variable,” or the acronym…
  • Why Do Variable Life Insurance Policies Fail?

    Jay Salamon
    24 Jul 2014 | 2:41 am
    This article was originally posted on Stock Market Loss Purchasers of Variable Life and Variable Universal Life Insurance Policies often don’t understand that the values of the sub-account investments determine the sustainability of the insurance coverage in the policy. The value of the sub-accounts must remain sufficient to pay the cost of insurance. If the cost of insurance increases and/or the sub-account values drop, the policy can begin to spiral toward a premature demise. The vast majority of policyholders allocate their premium dollars to sub-accounts invested in stocks, usually at…
  • How Do Brokers and Insurance Agents Mislead You Into Buying VL and VUL Insurance Policies?

    Jay Salamon
    23 Jul 2014 | 12:40 pm
    This article was originally posted on Stock Market Loss Brokers and agents who sell variable insurance products are supposed to comply both with state securities or insurance regulations and with regulations issued by the Securities and Exchange Commission (SEC) and the Financial Industry Regulatory Authority (FINRA). Before recommending variable insurance, the broker or insurance agent is required to obtain information enabling him or her to evaluate the customer’s personal and financial situation and needs, tolerance for risk, and financial ability to pay for the proposed insurance…
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    DINKS Finance

  • Christmas gift ideas for last minute shoppers

    Kristina
    22 Dec 2014 | 2:00 am
    Good morning Dinks.  It’s December 22 and if you haven’t got your gifts yet you may be what I like to call a last minute shopper.  I know some people (OK probably most people) think last minute shoppers are all those people out scrambling to find the perfect gift on December 24th, but not me.  If we are within five days of Christmas and you aren’t done your Christmas shopping I consider you to be a last minute shopper – but maybe that’s just the planner in me. I plan everything in my life to obsession.  This time of year is exceptionally compulsive because I…
  • Weekly roundup: Income, Savings and Divorce

    Kristina
    19 Dec 2014 | 2:00 am
    Happy Friday Dinks.  We’ve searched the web to find the best of the best of personal finance posts this week.  So dive in and start your weekend off with a little bit of finance.  On a side note that’s a picture of Boston Common.  It’s absolutely gorgeous in the winter, if you get a chance to visit B-Town during the holidays I definitely recommend it. Enjoy these posts and have a great weekend! Girls Just Wanna Have Funds – If You Run a Business Together, What Happens When You Divorce? Money Talks News – Shopping for your guy? 10 things not to buy Budgets are…
  • 3 ways to save money this holiday

    Kristina
    18 Dec 2014 | 2:00 am
    Good morning Dinks.  Well we’re almost there, it’s almost time to open gifts.  I don’t know about you but my Christmas shopping is done.  I know that’s not a big accomplishment because some people like my friend Lyanne finished her shopping before December 1st and my other friend Krystal finished hers two weeks ago.  I’m not that savvy, but it’s only a few days until Christmas and I have to tell you I’m done shopping. I’m actually really proud of myself.  I purchased some amazing gifts and I didn’t go over budget, that has been a bad…
  • Yes you can. Budget that is.

    Kristina
    17 Dec 2014 | 2:00 am
    Good morning Dinks.  I know you think you can’t, but yes you can.  I know you’re thinking you live on only what you need, but no you don’t.  You’re probably thinking you couldn’t possibly make more cuts in your daily, weekly and monthly budget, but yes you can. We’ve all been there.  It’s the part of our day where we regret spending money but convince ourselves that we needed to spend it – the spending was unavoidable.  I have that inner conversation with myself at least twice a day.  No I don’t need to buy a breakfast bagel every…
  • My debt free living

    Kristina
    15 Dec 2014 | 2:00 am
    Good morning Dinks.  A couple of weeks ago I confessed that now after three years of being debt free I’m in debt again.  Even though I get credit card bills at the end of the month I don’t consider myself in debt.  Why?  Because I’m not running around town buying everything and anything with my credit cards.  I got into debt for a very specific reason a.k.a. furniture for our new apartment and in six little months Nick and I will once again be debt free. I don’t ever want to be in debt again.  Why?  Because it’s a freaking nightmare.  The type of stress…
 
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    rVoice | rplan

  • Five Classic Signs of an Investment Bubble

    17 Dec 2014 | 1:50 am
    From tulip mania in the 17th century to the dot.com boom and bust at the turn of the millennium, history is littered with investment bubbles that have left people in financial ruin or, at the very least, nursing shocking losses. But while it’s easy to be wise after the event, how do you know when you’re caught in the middle of a bubble? In fact, look closely at the history of bubbles and you’ll find common characteristics. If you spot any or all of these five characteristics in a modern-day investment craze, there is a good chance it is yet another bubble – calling the top of
  • What are 'Clean Funds'?

    10 Dec 2014 | 1:55 am
    The investment industry excels at inventing dumb jargon and the concept of ‘clean funds’ is a classic example – who would want a dirty fund? But while the phrase is a daft one, it’s worth getting to grips with the issues underlying clean funds because they have the potential to have a serious impact on your finances. The idea of clean funds came into being with the Retail Distribution Review (RDR), a ground-breaking reform introduced in January 2013 by what was then the Financial Services Authority (it has since been succeeded by the Financial Conduct Authority). The principle of
  • Five Investment Quotes That Will Still Be True Tomorrow

    5 Dec 2014 | 8:06 am
    ‘Sell in May and go away, don’t come back until St Leger’s Day’. The famous investment aphorism suggests investors get rid of their stock market investments in May and don’t return to buying until September, when the famous horse race is run – but is this good advice? Probably not. The long-term statistics suggest that stock market setbacks have been marginally more likely to happen during the summer months, but there would have been plenty of years when you’d have missed out on good gains by following this rule. 2014 is a case in point: the market barely rose during the first
  • 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
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    Wallet Hub

  • Ask the Experts: The Impact of Falling Oil Prices on Your Wallet

    Richie Bernardo
    19 Dec 2014 | 12:07 pm
    Posted by: Richie Bernardo The last time anyone in the U.S. paid less than $2.10 for a gallon of regular gasoline was in May 2009 — until now. Global demand for oil has softened in recent months as production has grown, creating a surplus that has driven down prices across the board. As a result, consumers in many parts of the U.S. — such as the Midwest and Gulf Coast — are even paying less than $2.05, according to GasBuddy. And with the holiday season in full swing, lower prices at the pump are boosting consumer confidence: The Thomson Reuters/University of Michigan’s Preliminary…
  • WalletHub’s 2015 Economic Predictions

    John S Kiernan
    15 Dec 2014 | 9:00 pm
    Posted by: John S Kiernan How will 2015 treat our wallets? That is the question everyone is asking as 2014 nears its close and we prepare to ring in the holidays with loved ones and then enter the season of resolutions and new beginnings. Underpinning this inquiry is a feeling of cautious optimism, as the U.S. economy appears to be hitting its stride – producing strong GDP growth and impressive hiring numbers – despite turmoil in the global oil markets, concern over stock market valuations, and worries about global conflict and recession. While it is impossible to see through the haze of…
  • WalletHub’s 2014 Economic Predictions

    John S Kiernan
    15 Dec 2014 | 5:57 pm
    Posted by: John S Kiernan Update: With the year coming to a close, we decided to revisit WalletHub’s 2014 Economic Predictions to see how we ended up doing. We graded each of the predictions and provided explanations for our marks. If you think we were either too lenient or too harsh, make sure to let us know in the comments section below. And if you’re interested in getting a jump start on all the big WalletNews of next year, check out WalletHub’s 2015 Economic Predictions. 2013 was a year characterized by economic distractions, with things like the government shutdown, concerns about…
  • Ask the Experts: Assessing the Cost of Security Breaches

    John S Kiernan
    14 Dec 2014 | 11:00 pm
    Posted by: John S Kiernan High-stakes hacking has been a major theme for American businesses in 2014. The recent wave of data breaches at popular retailers have made consumers more aware — and warier — of the very real threat that their sensitive financial information could slip easily into criminal hands. In the past year-plus, hackers have infiltrated the payment systems of several big-name retailers — the most notable of which include Target in late 2013 and most recently Home Depot — accessing credit and debit card data for more than 100 million consumers. Other recognizable names…
  • Surviving Zombie-Debt Collectors: A Texas A&M Law Professor’s Guide

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

  • Federal Student Loan Refinancing: What Help Is Available?

    Jeffrey Trull
    16 Dec 2014 | 10:30 pm
    By now, you have probably heard about federal student loan refinancing bills but it can be confusing to figure out what new help is available now or will be soon. We have been getting lots of questions about Sen. Elizabeth Warren’s refinancing bill and other plans and have found there are quite a few rumors floating around about these […]
  • Can Your Startup Launch When Facing Student Loan Debt?

    Darwin Ruiz
    14 Dec 2014 | 10:30 pm
    Ready to start your own business? Not so fast… Your student loans may be standing in the way! Many startups are being affected by high student loan debt, and it’s affecting entrepreneurship in the US. Student loan debt is now one of the largest forms of debt, with CNN reporting that approximately 40 million Americans have outstanding student loans. Many of those student loan borrowers are […]
  • Avoid Holiday Debt with These Tools and Apps

    Jeffrey Trull
    11 Dec 2014 | 10:30 pm
    There’s probably no other time of year that’s so fun yet so stressful at the same time. For many, the stress comes down to money. According to a 2012 survey, 45 percent of those polled said the holiday season “brings so much financial pressure, they would prefer to skip it altogether.” Unfortunately for many, this kind […]
  • The Difference Between Undergraduate and Graduate School Student Loans

    Jeffrey Trull
    8 Dec 2014 | 10:30 pm
    If you’re heading to graduate school, you’ve likely done the math on how much it costs. If you’re planning to take out student loans, you might be thinking you can draw from your experience with undergraduate student loans. Unfortunately it’s not that simple, the student loan rules are much different for graduate students. Here’s what you need to know […]
  • The Complete Guide to Student Loan Forgiveness for Teachers

    Jeffrey Trull
    4 Dec 2014 | 10:30 pm
    Teaching is one of the most important professions but it’s at risk of losing top talent due to low pay, among other reasons. The annual turnover rate for teachers is 15.7%, 3.8% higher than the average of other professions. For 2012-13, the national average starting teacher salary was $36,141. Education majors have lower salary potential when compared to other majors, according to PayScale.com. Meanwhile, […]
 
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    Everyday Financial Strategies

  • The Boglehead Investment Philosophy

    Robert
    1 Dec 2014 | 7:00 am
     The term “Boglehead” is a term to reflect a philosophy in investment created by John Bogle. John Bogle, the founder the Vanguard Group mutual fund company in 1974. Mr. Bogle was a big proponent and pioneer of index and no-load mutual funds. The Bogleheads are a group of enthusiasts who have their own website and forum where investment philosophy is discussed. Several members of the group wrote the book, The Bogleheads’ Guide to Investing. Recently, I read this book and it changed the way I view investing (slightly). Most readers and customers of Everyday Financial…
  • 5 Reasons to Consider a Health Savings Account

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

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

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

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

  • Beginners Guide to Penny Stock

    Adam
    19 Dec 2014 | 6:15 am
    Many people are looking to figure out how to build a stock portfolio. Some of the best stocks are $100 or more per stock, which means that it can be very expensive to get started within the stock market. Many people don’t have $10,000 or more to get started and even when they do, the $100 stocks rarely move considerably, keeping profits low. Pennystock trading has grown in popularity. Penny stocks are those stocks that trade at less than a dollar per stock, which means they literally cost pennies to buy. Not all pennystock is good stocks, however. It’s important to know what to look for…
  • 5 Things to Ask Your New Financial Advisor

    Adam
    18 Dec 2014 | 6:15 am
    If you are someone who cares about money, you are likely to have many financial advisors in your life. Being broke is easy, but building wealth and security takes effort. A good advisor will provide guidance and perspective, alerting you to financial realities you may not find out about on your own. A good advisor can work like a coach, a counselor, or a manager. The best are some combination of the three, though they will vary according to your needs. If you are looking for your first real financial advisor, or if you are seeking a new one, here are 5 things to look for. Do You or Your Firm…
  • Meaningful Gifts on a Holiday Budget

    Adam
    17 Dec 2014 | 6:15 am
    If you are like us at Modest Money, the holidays are approaching and you haven’t finished your shopping. Perhaps my family is the exception, but I find them incredibly difficult to buy for. I have found the following approach serves me well, making each family member feel loved and appreciated, without spending too much or leaving anyone disappointed. 1. Give Fun/Money. This is the sleight of hand method. Because my family each has diverse interests I know nothing about – my brother the sports broadcaster, my mom the tropical fish enthusiast – I can not hope to add meaningfully…
  • Santa Claus – The Ultimate Project Manager

    Adam
    16 Dec 2014 | 6:15 am
    Santa Claus may be a Christmas character but he is the ultimate project manager! Think of it: He bridges the gap between the production team (i.e., the elves and their assistants at the North Pole) and the clients (i.e., children all over the world) in an effective, efficient and responsive manner. He ensures that the children have their gifts on Christmas Eve – and that’s as excellent performance as you can achieve. Take a look at the following desirable traits of the ultimate project leader that Santa Claus apparently possesses and get our point. Inspires a Shared Mission Santa Claus is…
  • Expanding Mobile Video Conferencing Solutions for Business

    Adam
    15 Dec 2014 | 10:00 pm
    We live in a world where boundaries are becoming more and more blurry. Every day, thousands of people communicate across distance, make friends that live in other countries and even tie relationships so strong that they eventually end up getting married. Every day, hundreds and even thousands of online businesses are born, and thousands of offline businesses make another step towards building a visible online presence. Under these circumstances, your business needs to move along with the “times” and it needs to adapt itself to the wonderful opportunities that are open today precisely…
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    Take A Smart Step

  • Should You Invest Money in Your Business

    Andrea
    9 Dec 2014 | 2:00 am
    Right now in business I am trying to decide if I should buy new video equipment. The biggest roadblock in making this decision is if I should invest more money for my business in this particular area. Making this decision for me is part emotional and part financial. What do I mean?  I am trying to figure out the right balance between perseverance, perfection and making sure the investment pays-off. Being a business owners is a fine balance between believing in something when others don’t, sticking with your goals and at the same time not ending up bankrupt. Here are some of the…
  • How to Manage Your Emotions While You Manage Your Business Finances

    Andrea
    2 Dec 2014 | 12:51 pm
      Small Business Finances are Emotional Yes you read that right – emotional. Taking care of your bookkeeping is nothing like running the books of a large company. Yet we still tend to think of it as a department or task in our business that is just a simple item on our to do list. If you’re an accountant and you go work for a Fortune 500 company, you go in and you do your job and you go home. When you’re a small business, and you sit down for accounting time – it’s more than just sitting down and running some reports.   You are analyzing how well you did…
  • Three Steps to Get on Top of Your Year End Tax Planning

    Andrea
    18 Nov 2014 | 2:00 am
      The end of the year is going to be here faster than you can blink your eyes, after all Thanksgiving is next week! This is also the time to get on top of your business finances so that tax time and 2015 can start with your focus on 2015 profits and not scrambling to organize 2014 paperwork. I hear you, this is a crazy busy time and you will have plenty of time to get ready for 2015. But everything you do today will put you that much further ahead!  And reduce the stress of putting it all together. Plus there are somethings that just have to be done before December 31st! With that in…
  • How to Calculate ROI on Advertising

    Andrea
    11 Nov 2014 | 2:00 am
      Click Image to watch the YouTube Video! I often hear the question – should I advertise on Facebook?  What about Google? This is not a clear cut yes or no question. Instead there are many factors that come into account when deciding if you should advertise or not. Luckily there is one way that you can determine if advertising is good for you and your business. This way is for you to calculate your return on investment or ROI. What is Return on Investment The return on investment is the percentage that you earned on the money you spent advertising.  Just like you have a return…
  • Three Business Metrics All Businesses Should Track

    Andrea
    4 Nov 2014 | 2:00 am
    Ready to start managing your business finances better? Still confused what numbers to even start watching? Here are three that will help you get started! Cash Flow Cash flow is about how much cash you actually have to run your business.  Remember cash is king!  If you are making sales, but not collecting the money you may show a profit but be broke because you have no cash.  Likewise you may have a business that shows profit because of depreciation or other accounting measures, but is not actually profitable. By having a cash flow statement you can see when you bank account will hit…
 
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    NerdWallet News

  • Chase Freedom vs. Citi Simplicity: Two Cards Face Off on Rewards, Interest and More

    Lindsay Konsko
    19 Dec 2014 | 2:40 pm
    If you’re looking for a 0% APR credit card offer, you’ve probably come across the Chase Freedom® and the Citi Simplicity® Card in your search. Since both cards provide a long interest-free period and an array of features, you might not be sure which is right for you. The Nerds are here to help. We’ve analyzed both cards and compared them. Check out the details to see which card you should apply for. When it comes to rewards, the Chase Freedom® really stands out – in fact, it’s one of the Nerds’ favorite rewards cards. With it, you’ll earn 5% cash back in rotating quarterly…
  • Bank of America Credit Card Takes on Cash Back Competition

    John Stephens
    19 Dec 2014 | 10:34 am
    Looking for a cash-back credit card that will provide extra rewards on your gas and grocery spending? You’ve probably run across the BankAmericard Cash Rewards™ credit card once or twice in your search. After all, it gives customers the opportunity to earn 2% back on supermarket spending and 3% back at the pump – it seems like just the ticket for busy families who devote a lot of their income to these purchases. But with all the cash-back cards on the market these days, it’s important to do a little analysis before signing on the dotted line. Luckily, you have the Nerds on your side…
  • Christmas Copulations: Why the Holidays Will Likely Forever Change Your Financial Life

    Kevin Voigt
    19 Dec 2014 | 9:00 am
    The holiday season could be the most financially significant period of your life, but not for the reasons you’d suspect. Sure, it’s the time of year you’re most likely to max out your credit card or deplete your savings. U.S. retailers count on shopping during November and December for as much as 40% of their annual sales, according to the National Retail Federation, which estimates Americans will spend nearly $617 billion this holiday season. But the season is also the most likely time for two events that will have the greatest long-term impact on your finances: conceiving a baby and…
  • 5 Steps to Take to Gain Financial Independence From Your Parents

    NerdWallet
    19 Dec 2014 | 5:00 am
    All young adults battle for independence from their parents, but finances often halt that process. As parents slow the flow of funds, an unfortunate reality sets in. Eating out every night of the week and stopping every morning for a latte at Starbucks suddenly look less appealing. To gain financial emancipation from your parents, start with these five steps: 1. Establish a budget. Make a list of all of the things you pay for such as rent, utilities, food, gas and entertainment. Then make a list of all the expenses your parents cover, which might include your cellphone bill, car insurance and…
  • Young Workers Already Face a Retirement Crisis

    Advisor Voices
    18 Dec 2014 | 5:09 pm
    By David Cretcher Learn more about David on NerdWallet’s Ask an Advisor We are on a crash course that is leaving young adults poorer and financially insecure. Today’s young workers face a retirement crisis and will not retire as comfortably as their parents. They will find it harder to save money and more difficult to accumulate wealth. Current retirees are enjoying a retirement built on an engine of: 1. Employer-provided defined pension plans 2. Long-term 401(k) growth from increasing stock values and high interest rates 3. Appreciating real estate 4. Rising wages 5. Affordable…
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    The Truth About Credit Cards.com

  • 2015 Credit Card Cash Back Calendars from Chase, Citi, and Discover

    Colin Robertson
    18 Dec 2014 | 3:16 pm
    It’s almost a new year, 2015 to be exact, so I thought I’d highlight the upcoming year’s credit card cash back calendars. If you have the Chase Freedom card, Citi Dividend card, or Discover it card, take note of the new 5% cash back categories for 2015 below. Chase Freedom 2015 Cash Back Calendar (sign [&hellip
  • How to Maximize Credit Card Cash Back During the Holidays

    Colin Robertson
    10 Dec 2014 | 2:50 pm
    If you haven’t tackled your holiday shopping yet, like me and most everyone else, you might be wondering how to save a few bucks this year. Fortunately, there are a lot of simple ways to get cash back when using your credit cards, especially if you make the purchases online from the comfort of your [&hellip
  • Earn Up to 8% Cash Back at Whole Foods with American Express

    Colin Robertson
    2 Dec 2014 | 12:28 pm
    Let’s face it; the old supermarkets have lost their luster. Many shoppers demand more from grocery stores these days, meaning places like Whole Foods have become a lot more popular. But the quality and selection such gourmet food stores offer tend to come at a cost. There’s a reason people refer to Whole Foods as [&hellip
  • Discover Now Lets You Redeem Any Amount of Your Cashback Bonus

    Colin Robertson
    24 Nov 2014 | 10:31 am
    An exciting new change has quietly taken place over at Discover. Now cardholders who earn cash back can redeem any amount, even as little as a penny. In the past, Discover only allowed cashback redemptions of $50 even (exact amount) via direct deposit or statement credit, making it difficult to actually use all the cash [&hellip
  • Get $10 in Amazon Gift Cards for Every 5 Taps with Softcard

    Colin Robertson
    18 Nov 2014 | 10:46 am
    Sure, Apple Pay might be grabbing all the headlines, but Softcard will actually put money back in your pocket, time and time again. Their latest promotion, which began on November 1st and runs until December 31st 2014, allows Softcard users to earn $10 for every five successful payment taps using a participating credit card. The [&hellip
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    Moneycation

  • How governments monitor the public via Twitter

    A.W. Berry
    20 Dec 2014 | 6:00 am
    Governments around the world are stepping up their requests for Twitter user account information and content removal. Year-over-year data provided by Twitter indicates a 36.28 percent increase in global governmental information requests for the first half of 2013. Moreover, in the United States alone, 1,319 user accounts were publicly targeted for information by Uncle Sam between Jan. 1 and June 30 of 2013. Of these requests, 10 percent were made without valid legal process per Twitter.The data released by Twitter does not include all information requests. According to Reuters, “The report…
  • How to check your pay stub to make sure you're getting paid correctly

    A.W. Berry
    19 Dec 2014 | 6:00 am
    By Andrew Fujii Double check paystub math to ensure correct withholding and paymentOne of the most important things to do every pay period, is to check the paystub you are given. Often times, employees happily accept their check and cash it without a second thought. Unfortunately this means that you are naively putting all of your faith into your employer. While a good majority of employers are trustworthy and have the right processes in place to prevent payroll errors, there can still be discrepancies as to what you should be making.Looking at a pay stub can be a little confusing. There are…
  • Financial news: December 19, 2014

    A.W. Berry
    19 Dec 2014 | 3:00 am
    • Fox: The CFPB is suing Sprint Corp. for unauthorized cell-phone customer charges• CNN: Re-gifting is socially acceptable to over 75% of Americans per Amex survey data• NYT: Numerous smartphone retail apps are anti-Amazon per app-producer• Zero Hedge: Rising bond yields in emerging markets is an equity investment risk• Bloomberg: Leveraged loan blacklist rules allow a closed multi-billion dollar financial market• Conference Board: U.S. Leading Economic Index for Nov. up .6% to 105.5• MW: Section 179 2014 $500K business expensing limit approved by Senate• BI: SF Bay area woman…
  • Blackberry offering iPhone users a big pay-out to switch to the Passport

    A.W. Berry
    18 Dec 2014 | 6:00 am
    By  Alex ViallThe Blackberry Passport has a functional keyboardJust as the Nokia 3210 once dominated the pockets of people all around the world, the iPhone is now sitting happy amidst some of the best-selling phones in the world. Back when Nokias were big though, the hardware and software was updated less frequently and it was easier for them to stay at the top of the game. Once smartphones made an appearance, and once Apple and HTC made their break through, Nokia struggled to retain its place as one of the world’s greatest mobile phone manufacturers.Blackberry is having similar…
  • Financial news: December 18, 2014

    A.W. Berry
    18 Dec 2014 | 3:00 am
    • CNBC/FT: USD appreciation is likely in '15 as large economic monetary policies diverge• Bloomberg: U.S. new home sales to rise 16% to 510,000 in '15 per economist & analyst survey• BI: Further oil price declines could increase market volatility over the next 2 weeks• Fox: GE seeks to boost annual profit margin by .5%; '15 earnings forecast $1.70-$1.80/share• Reuters: Fed Ex ground & freight results fell short in its Q2, '15 guidance low• MarketWatch: U.S.-Cuba money-transfer restrictions to be lowered with new trade relations• NYT: Formerly attractive emerging market…
 
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    LCF on Personal Finance

  • The 5 Mistakes every investor makes and how to avoid them

    ChingFoo Lieu
    21 Dec 2014 | 7:56 pm
    Many investors don’t enjoy investing; don’t have the time for it or don’t feel they are particularly good at it. It is this type of people who searches for an adviser to alleviate the burden – to show them the way. Unfortunately, as many advisers make the same mistakes individuals often make. Written by the #1 independent financial adviser in US (IFA) – Peter Mallouk distilled the various philosophies and case studies of the top 5 mistakes all of us made in the search of a better way to invest. In his simple conclusion – it is not because of the markets,…
  • Path to Financial Happiness – Illustrated and Simplified

    ChingFoo Lieu
    11 Dec 2014 | 10:09 pm
    There are so much control you have over stuff in the field of investment. The earlier you accept the fact that you can’t control the market you don’t have power over everything, the happier you will be. It’s the important things you can control that should take most of your time and efforts. Example – rather than stocks trading, it makes more sense to add more skillset into your skillset list to get that promotion, increment or even starting your own business.  One never loses out by adding more value to himself. A real advisor should be the thing between YOU and the BIG…
  • Bank Negara Guide on the role of a Financial Adviser in Malaysia

    ChingFoo Lieu
    2 Dec 2014 | 6:53 pm
    What you need to know The Financial Services Act 2013 (FSA) and Islamic Financial Services Act 2013 (IFSA) regulate companies and individuals that provide advice on Insurance and Takaful products to consumers. The laws also provide Bank Negara Malaysia with the necessary regulatory and supervisory oversight powers to ensure business conduct and consumer protection compliance. Who is a Financial Adviser A Financial Adviser (FA) is a company approved by Bank Negara Malaysia under the FSA to carry out financial advisory business. Who Is A Financial Adviser’s Representative? A “Financial…
  • Why Moats Matter by Morningstar

    ChingFoo Lieu
    24 Nov 2014 | 4:55 am
    Even if you think yourself is a veteran fundamental investor, you could still learn a few new things from this book, which focuses on the concept of moat for great businesses. Warren Buffett once said in a famous 1999 Fortune article – “The key to investing is…determining the competitive advantage of any given company and above all, the durability of that advantage. The products or services that have wide, sustainable moats around them are the ones that deliver rewards to investors”. Why Moats Matter is all about Morningstar taking this concept a step further and…
  • We all have 4 ‘Spouses’ in our Lives – How? This may enlighten you

    ChingFoo Lieu
    15 Nov 2014 | 9:02 pm
    There was a rich merchant who had 4 wives. He loved the 4th wife the most and adorned her with extravagant robes and treated her to delicacies. He took great care of her and gave her nothing but the best. He also loved the 3rd wife very much. He is very proud of her beauty and always wanted to show off to his friends. However, the merchant is always in great fear that she might run away with some other men. He too, loved his 2nd wife. She is a very considerate woman, always patient and in fact is the merchant’s confidante. Whenever the merchant faced some problems, he always turned to…
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    Money Soldiers

  • 7 Tips to Save Money on Your Car Hire

    Arnel Ariate
    21 Dec 2014 | 5:32 am
    Whatever your holiday budget or the travel allowance for your next business trip, the opportunity for saving money is likely to be more than welcome.  As the following seven tips and suggestions may show, the opportunities for saving money on the cost of your car hire may be especially attractive:   1.  Booking the Car […]7 Tips to Save Money on Your Car Hire is a post from: Money Soldiers - Helping you fight your financial battles © 2012-2013, All Rights Reserved
  • Shifts in the Real Estate Sector Over the Years

    Arnel Ariate
    18 Dec 2014 | 8:29 pm
    Development and growth is another synonym for mankind.  Human beings thrive to develop and grow in each field.  Since early ages, humans have discovered and invented several things which have made lives easier, better and more comfortable than ever.  Human beings are equipped with the perfect balance of curiosity and intelligence.  This amalgamation makes them […]Shifts in the Real Estate Sector Over the Years is a post from: Money Soldiers - Helping you fight your financial battles © 2012-2013, All Rights Reserved
  • Cash Flow Problems: How a Collection Agency Can Help

    Arnel Ariate
    16 Dec 2014 | 5:21 am
    Did you know that California ranked 69% above the national average for business failures?  If you’re a small business owner in the state of California, this percentage should alarm you.  While there are plenty of reasons that a business can fail, one of the most common causes is the mismanagement of cash flow.  Effectively managing […]Cash Flow Problems: How a Collection Agency Can Help is a post from: Money Soldiers - Helping you fight your financial battles © 2012-2013, All Rights Reserved
  • Financial Tips for People Who Will Retire in 2015 – Protect Your Nest Egg

    Arnel Ariate
    12 Dec 2014 | 2:26 am
    Retirement is indeed a major life change that requires a simultaneous change in your income and lifestyle.  With the reports of the large number of retirees who are still paying off their student loan debt and holiday debt incurred years back, it is rather doubtful whether or not they can gleefully lead their life with […]Financial Tips for People Who Will Retire in 2015 – Protect Your Nest Egg is a post from: Money Soldiers - Helping you fight your financial battles © 2012-2013, All Rights Reserved
  • Considering Your Personal Finances: Living On A Budget

    Arnel Ariate
    10 Dec 2014 | 3:18 am
    One of the major consequences of adulthood is financial responsibility.  When you were younger, your allowance was provided by your parents.  Utility bills, house mortgage or monthly rentals, and other expenses are taken care of by your parents, and your expenses were limited to personal hygiene items and your hobbies. However, once you become an […]Considering Your Personal Finances: Living On A Budget is a post from: Money Soldiers - Helping you fight your financial battles © 2012-2013, All Rights Reserved
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    Hull Financial Planning

  • Bridging the Between Gap

    Jason Hull
    18 Dec 2014 | 6:00 am
    “Most children threaten at times to run away from home. This is the only thing that keeps some parents going.” –Phyllis Diller For 18 or so years, your parents raised you. They gave you a home, clothing, food, and love. They carried you to soccer games, plays, slumber parties, amusement parks, and a host of […]Learn to beat your Monkey Brain and Accelerate Retirement. Bridging the Between Gap is a post from Fort Worth Financial Planner Hull Financial Planning Related posts: Six Things to Consider When Buying Your Penultimate Retirement Home Who Will Take Care of You When…
  • Don’t be the Taxi Driver

    Jason Hull
    11 Dec 2014 | 6:00 am
    “The one thing you shouldn’t do is try to tell a cab driver how to get somewhere.” –Jimmy Fallon “Life is like a taxi. The meter just keeps a-ticking whether you are getting somewhere or just standing still.” –Lou Erickson Imagine that you’re a taxi driver in New York City. You live modestly, so you […]Learn to beat your Monkey Brain and Accelerate Retirement. Don’t be the Taxi Driver is a post from Fort Worth Financial Planner Hull Financial Planning Related posts: Making Money in Your Investments Doesn’t Make You a Great Investor How Long Did You Have…
  • The Scarcity Mindset, the Abundance Mindset, and the Impact on Public Policy

    Jason Hull
    4 Dec 2014 | 6:00 am
    Note: A couple of years ago, I had a discussion with one of the deans of the Frank Batten School of Leadership and Public Policy at the University of Virginia. We discussed collaborating on a white paper for publication addressed at state and national government leaders. Naturally, time and other priorities took hold, and said […]Learn to beat your Monkey Brain and Accelerate Retirement. The Scarcity Mindset, the Abundance Mindset, and the Impact on Public Policy is a post from Fort Worth Financial Planner Hull Financial Planning Related posts: Personal Finance FAQ Series: Do I Need to…
  • 5 Reasons HR Directors Should Include Financial Planning in Benefits Packages

    Jason Hull
    20 Nov 2014 | 6:00 am
    “Truth is confirmed by inspection and delay; falsehood by haste and uncertainty.” –Tacitus If you’re in human resources, you have two primary jobs: Find and acquire the best talent possible for what you can spend, and Retain the best-performing talent for what you can spend. It was one of the challenges that I faced in […]Learn to beat your Monkey Brain and Accelerate Retirement. 5 Reasons HR Directors Should Include Financial Planning in Benefits Packages is a post from Fort Worth Financial Planner Hull Financial Planning Related posts: 5 Reasons Financial Planning Helps…
  • The Surprising Suggestion for Who Should Receive Your Estate If You Have No Children

    Jason Hull
    13 Nov 2014 | 6:00 am
    “Inheritance taxes are so high that the happiest mourner at a rich man’s funeral is usually Uncle Sam.” –Olin Miller My wife and I have no children. Not only does this create additional planning issues for us regarding care when we are older, but eventually, when we depart this earth and discover what’s on the […]Learn to beat your Monkey Brain and Accelerate Retirement. The Surprising Suggestion for Who Should Receive Your Estate If You Have No Children is a post from Fort Worth Financial Planner Hull Financial Planning Related posts: What to do if You Receive a Life…
 
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    Listen, Money Matters!

  • Get The Money Out of Politics

    Candice Elliott
    18 Dec 2014 | 4:00 am
    With a record $4 billion dollars spent in 2014 mid-term elections and the lowest turn out in over seventy years, it’s time to get the money out of politics. During the November 2014 battle for the Senate, 42 ultra wealthy donors accounted for nearly one third of Super PAC spending. Two professors, Martin Gilens of Princeton and Benjamin Page of Northwestern released a study this fall that proved what many of us had suspected since the Supreme Court sold out democracy via their Citizen’s United and McCutheon rulings.  We no longer live in a democratic republic. We live in a plutocracy.
  • How to Deal with Obamacare and HSAs

    Candice Elliott
    25 Nov 2014 | 4:42 am
    We interview Todd Berkley and John Young to help us navigate Obamacare and  make the most of your HSA dollars. The affordable care act is a good thing for a lot of previously uninsured Americans but knowing which plan to choose can be tricky.  HSA’s can be a great place to park tax free money but can also be confusing.  We get some expert help from our two guests. If you meet the income requirements to receive a subsidy, you must purchase your insurance through Healthcare.gov. If you are not eligible for a subsidy, you are free to purchase insurance on the open market. A web based…
  • Why Net Neutrality Must Be Preserved

    Candice Elliott
    25 Nov 2014 | 4:00 am
    Net neutrality has been in the news a lot recently.  Maybe you’re not even sure what it is but it must be preserved. Simply put, net neutrality is the idea that all content on the internet should be treated equally.  Your sister in law’s blog about her doll collection should down load just as quickly as your Amazon suggested buying page. And at the moment, it does.  Obviously Amazon has deeper pockets than your sister in law but there is no for sale fast lane on the internet.  Not yet. The Big Telecom Companies Most consumers get their internet service from a handful of providers,…
  • How to Buy Low on eBay and Sell High on Amazon with Jordan Malik

    Candice Elliott
    24 Nov 2014 | 3:00 am
    Want to make a little money on the side?  Jordan Malik joins us to discuss how to play eBay and Amazon off each other to pick up some extra cash. Forty percent of Amazon sales come from third party sellers.  Their merchandise in Amazon’s warehouses.  So clearly there is money to be made.  Jordan is an award winning Amazon seller and a best selling author on how to make Amazon and eBay work for you. Jordan and sellers like him practice “on-line arbitrage,” which is a fancy way of saying buy low, sell high.  They get their merchandise from a variety of places, Walmart,…
  • Finding Your Financial Weak Spots

    Candice Elliott
    23 Nov 2014 | 3:00 am
    We all have them.  Dinners out, the newest gadgets, clothes.  Our financial weak spot, our Achilles’ heel.  Find out what we can do to strengthen them. It might not be just a spending problem though.  Maybe you’re afraid to invest because it seems so intimidating.  Maybe you have the money to pay all of your bills but you aren’t organized and always pay late. Andrew is willing to take a leap that some people wouldn’t and it has gotten him in trouble in the past, failed business ventures, risky investments that didn’t pan out.  He also spends too much on…
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    Equifax Finance Blog

  • Consumer Debt Rises in Majority of Top Metro Markets

    Equifax Experts
    16 Dec 2014 | 1:00 pm
    Fueled by a stronger economy and improved housing market, many of the nation’s largest metro areas experienced increases in total consumer debt during the third quarter, according to the latest Equifax National Consumer Credit Trends Report. Of the nation’s top 25 metro markets, 17 posted increases in total consumer debt in the third quarter compared to the same period a year earlier. Houston (+6.5 percent), Denver (+4.3 percent) and Dallas (+4.1 percent) easily outpaced the other cities. Also in the top five in terms of growth were Phoenix (+2.2 percent) and Boston (+1.6…
  • Using Crowdfunding to Invest in Real Estate

    Lara Levitan
    12 Dec 2014 | 9:07 am
    Crowdfunding websites such as Kickstarter and IndieGoGo have made crowdfunding a popular way for anyone with a project, a financial goal, and an Internet connection to collect money from a pool of online backers. With crowdfunding, entrepreneurs can raise money for their project or venture using the Internet to source funds from a large number of people. Recently, crowdfunding has expanded to the real estate market. Websites such as Fundrise, Realty Mogul, and CrowdStreet allow investors to participate in real estate deals that may have been previously available only to institutions or larger…
  • The Best and Worst Things to Buy in December

    Teri Cettina
    10 Dec 2014 | 4:25 am
    With all the store signs advertising their holidays sales, it’s easy to assume that everything is at its best price in December. However, smart shoppers know otherwise. They only buy items in December that are truly on rock-bottom sale, and they wait until after the holidays season is over to purchase everything else. If you’re trying to save money, here’s what you might want to grab—and what you can leave on the shelf—in December, according to shopping expert Hillary Mendelsohn, founder of Thepurplebook.com, and Andrea Woroch, consumer advisor for Kinoli, Inc. BUY Toys: Fun gifts…
  • Must-Have Insurance Policies for Expensive Holiday Gifts

    Heidi Petschauer
    9 Dec 2014 | 4:46 am
    The holidays have arrived, and when it comes to holiday presents, whether insurance will cover an item is generally not top of mind. However, it’s important not to assume that your homeowner’s insurance will cover any expensive gifts that you may be giving or receiving, such as computers, jewelry, or even a vacation package. Giving a nice gift? Consider your own insurance first Suppose you purchase a new stereo for your brother, place it in your trunk, and head home from the store to wrap the gift. On your way back home, you decide you need a cup of coffee, so you park your car outside…
  • How Do House Guests Impact Your Insurance?

    Heidi Petschauer
    8 Dec 2014 | 4:45 am
    The holidays are prime time for houseguests. Whether it’s your siblings and their spouses or an elderly relative, it’s important to be prepared for your guests before they arrive. Being prepared means more than just blowing up the air mattress and stocking up on snacks. It also means reviewing your insurance policy to be sure you’re covered in the event one of your guests is injured on your property. What changes should you consider if you’re hosting guests this holiday season? Consider adding personal liability protection Personal liability protection provides coverage in the event…
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    Simplistically Living

  • Make the Gamer in your Life Happy with a Turtle Beach Headset!

    Brittanie
    21 Dec 2014 | 8:10 pm
    Disclosure: I received a free product in exchange for this publication. The opinions expressed remain my own. My husband is a huge gamer and enjoys playing online with his friends just about every weekend. So for awhile now I have been on the hunt for a great gaming headset that would amplify his gaming experience on […] The post Make the Gamer in your Life Happy with a Turtle Beach Headset! appeared first on Simplistically Living.
  • Get Great Holiday Gifts at Best Buy

    Brittanie
    20 Dec 2014 | 5:50 pm
    Disclosure: The reviewer has been compensated in the form of a Best Buy Gift Card and/or received the product/service at a reduced price or for free. I love getting my holiday shopping done early but I tend to forget something (or someone) on my list which requires me to head shopping last-minute. When we are this close […] The post Get Great Holiday Gifts at Best Buy appeared first on Simplistically Living.
  • Save on Last-Minute Holiday Shopping with Canon and Best Buy

    Brittanie
    18 Dec 2014 | 3:21 pm
    Disclosure: The reviewer has been compensated in the form of a Best Buy Gift Card and/or received the product/service at a reduced price or for free. Christmas is officially a week away and if you are one of those last-minute holiday shoppers you might be wondering what would make a great gift or what store is the […] The post Save on Last-Minute Holiday Shopping with Canon and Best Buy appeared first on Simplistically Living.
  • Homemade Peppermint Sugar Scrub + Free Printable Labels

    Brittanie
    17 Dec 2014 | 7:31 pm
    I believe the best gifts are those that are homemade. This Homemade Peppermint Sugar Scrub will make the perfect gift because it will make anyone feel and smell great! Sugar Scrub is one of the best ways to soften and exfoliate your skin. Sugar has natural properties that moisturize your skin and prevent it from drying. […] The post Homemade Peppermint Sugar Scrub + Free Printable Labels appeared first on Simplistically Living.
  • Start The New Year Off in Style with Necessary Clothing

    Brittanie
    17 Dec 2014 | 6:00 pm
    As we near closer to the end of the year it’s time to think about what to wear when you ring in the New Year. I personally love to get all dressed up for holidays and special occasions but it’s usually the high cost of that “perfect outfit” that keeps me from purchasing something new. […] The post Start The New Year Off in Style with Necessary Clothing appeared first on Simplistically Living.
 
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    The Simple Money Blog

  • Time to update your savings plan for 2015 – new 401k, HSA, and other contribution limits increased!

    Kirby
    15 Dec 2014 | 5:00 am
    KJ: With updated savings limits for 2015 being finalized by the IRS recently, it’s time to plan for this next year for any changes to your savings plan. Some limits were increased (401(k), SEP, SIMPLE), but others remain the same … Continue reading →
  • Year-end financial evaluation

    Angela and Kirby
    8 Dec 2014 | 5:00 am
    AJ & KJ: Tis the season where we start to talk about the changes a new year will bring and reflect on everything from the past year. Before moving forward though it’s important to take stock of all the life … Continue reading →
  • Look at your past budgets. You may be amazed

    Angela and Kirby
    24 Nov 2014 | 5:00 am
    KJ: We just went through this exercise, and it was quite interesting. I have used Quicken since the beginning of (my) time with an income, so I have quite a few years of history to be able to reference. I … Continue reading →
  • Credit card tips: what you need to know

    Angela and Kirby
    10 Nov 2014 | 4:30 am
    KJ: Lists, lists, lists. There are so many out there, but we keep coming across some great ones that will help you get on solid financial footing. In this post, we focus on Bank Rate’s 10 can’t miss credit card … Continue reading →
  • How do you balance cost and quality? Is the more expensive option actually better for your budget?

    Angela and Kirby
    3 Nov 2014 | 4:30 am
    KJ: We’ve all bought something at some point because, hey, it’s cheap! Why not spend the $1 or $5 on [insert product]? What could you possibly lose? Well, as the adage goes, you get what you pay for [sometimes]. It’s … Continue reading →
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    My Money Design

  • Can the Experts Help Us Find Good Stocks?  9 Month Update

    MMD
    15 Dec 2014 | 2:00 am
    Welcome to another quarterly update of how my stock portfolio is doing and whether or not the experts were able to us find good stocks to invest in.  Every year I invest a small portion of my portfolio into individual stocks to gain experience with them as well as attempt to increase my wealth.  My long term goal is to build a stable portfolio of dividend yielding stocks that will eventually provide me a steady stream of income. If you’ll remember: The last time I bought stocks back in January, I noticed that each of the major financial websites had their own “analyst opinion” section…
  • Niche Website Update 24 – $1,524 of Income – Amazon Site Progress and Next Steps

    MMD
    8 Dec 2014 | 2:00 am
    Welcome to yet another edition of my monthly niche website portfolio update. Building and profiting from websites has become a very intricate part of how I’m slowly building my fortune and saving for financial freedom. The great thing about it is that it is in no way tied to my day-job or paycheck in any way.  I’m simply going above and beyond to create an income stream that will help support my goals regardless of my job. November is over and winter has been very much upon us here in the mid-west.  These are the kinds of cold months where I really look forward to staying indoors (where…
  • Learn How to Manage Money Wisely By Doing This One Thing

    MMD
    1 Dec 2014 | 2:00 am
    A few months ago a coworker and I got talking about our company’s retirement plan and I could tell he needed some help understanding some of the fundamentals.  So the next day I lent him a copy of one of one of my favorite books on finance in hopes that it would help him to manage his money better.  However a few months later when I checked in with him he said he still had not read the book because he hadn’t found the time for it. “I don’t have time for that” – It’s one of the biggest illusions we fool ourselves into believing.  We say it about exercising more, going back and…
  • Should I Go for a Pension Purchase Option or Invest the Money? – A Reader Question

    MMD
    24 Nov 2014 | 2:00 am
    A few weeks ago I receive a really great question from a friend of mine (we’ll call him LJ) regarding whether or not he should take a pension purchase option that his employer is offering him.  Here’s the email he sent me: I’m thinking about buying 5 years of generic pension service time. Seems like a no brainer, right? Not quite. I’ve had the actuarial done and it will cost me $37,800. A good chunk. I have the money in a 457 account and can roll it over to my pension administrator. I plan to retire in 22 years at 60 when I am eligible to draw the pension. I have 13.5 years…
  • How to Become Independently Wealthy … Outside Your Job

    MMD
    17 Nov 2014 | 2:00 am
    How does someone actually get rich? Should they make more money at their jobs by working harder?  Should they take on longer hours and more responsibility … all in vain hopes of getting a better raise or bigger bonus? Is your job even really the only way how to become independently wealthy? In this post I want to dig a little deeper into what it takes to actually become “rich”.  People who have made it – whether they are in the top 100 of Forbes or even people that you know in real life – more than likely didn’t get there by running the rat race and working themselves to…
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    The Quizzle Wire

  • How to Teach Your Teen About Interest

    Miranda Marquit
    21 Dec 2014 | 6:00 am
    Money management should be near the top of the list when you think of important lessons to teach your children. Many parents acknowledge the importance of teaching their kids about budgeting, and instilling in them a solid work ethic. What’s a little more complicated is teaching your children about matters of higher finance, like interest. While you aren’t going to be able to teach your five-year-old about borrowing money and how investing can result in earning through compound interest, most teenagers are capable of understanding these concepts. “These are really important concepts for…
  • 3 Reasons When It Makes Sense to Dip Into Your Retirement Account

    Melissa Batai
    19 Dec 2014 | 6:00 am
    There are several important rules to retirement planning.  First, begin contributing to your account as early as possible.  Second, pay as little in fees as you can to keep more of your money.  Third, don’t touch your retirement fund until you’ve retired. However, there are times when it may make sense to violate rule number three and take money out of your retirement account.  Just remember that doing so, even for a good reason, can set you back financially when it comes to your retirement savings. Here are some circumstances when it makes sense to withdraw money early from your…
  • 7 Tax Breaks for Home Businesses

    Miranda Marquit
    18 Dec 2014 | 6:00 am
    As the year winds down, it’s a good time to start organizing your finances and determining whether or not you can squeeze in a few tax breaks. Even if you don’t get any new tax breaks, it’s a good time to consider reviewing your business spending throughout the year to see if what you’ve done qualifies you for business tax breaks. Here are 7 tax breaks to familiarize yourself with: Home office space If you have a dedicated home office space, you can deduct that on your taxes, whether you have bought your home, or whether you are renting. Figure out the percentage of your home that…
  • What You Should Know About UTMAs

    David Quilty
    17 Dec 2014 | 6:00 am
    If you’ve thought about opening a bank account or investment account for your child, you may have come across the term “UTMA,” which stands for “Uniform Transfers to Minors Act.” The UTMA is a law that has been enacted by most states, and allows for the transfer of property to a minor without the appointment of a guardian (a few states still follow the older Uniform Gifts to Minors Act, which is similar but has more restrictions on the types of property that can be transferred). Under the UTMA, the gifted property is managed by a custodian until the minor reaches…
  • 4 Rules for Building Credit Fast But Responsibly

    Carrie Smith
    16 Dec 2014 | 6:00 am
    Good credit has lots of benefits. It can help you get the mortgage you need to buy your dream home, or save you hundreds of dollars on insurance premiums. On the flip side, if you have poor credit you’ll be missing out on these great benefits, and likely waste a lot money in the process. So what happens when you want to change your situation and need to build credit fast? What can you do? The first step is to think about building credit as a long-term goal, and not something that will change overnight. Crash dieting doesn’t work (at least not as a long-term solution) and neither do…
 
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    Credit Card Insider - Research, Discover and Compare Cards » InsiderCredit Card Insider - Research, Discover and Compare Cards

  • The Business Gold Rewards Credit Card vs The Blue for Business® Credit Card from American Express OPEN

    Brendan Harkness
    19 Dec 2014 | 10:08 am
    This is a comparison of two business cards from American Express OPEN, the Business Gold Rewards and the Blue for Business® credit cards. The first is a charge card, meaning the balance needs to be paid off each month, while the second is a typical credit card with which you can revolve a balance from month […] The post The Business Gold Rewards Credit Card vs The Blue for Business® Credit Card from American Express OPEN appeared first on Credit Card Insider - Research, Discover and Compare Cards.
  • Q&A Video – Can I Live Off Of A Credit Card?

    Brendan Harkness
    17 Dec 2014 | 2:43 pm
    If you had to, could you live off of a credit card? Why might you need to do this, and what would happen if you tried? Will racking up all that debt hurt your credit score? Can you buy everything with rewards credit cards and end up on top? Learn the answers to these questions […] The post Q&A Video – Can I Live Off Of A Credit Card? appeared first on Credit Card Insider - Research, Discover and Compare Cards.
  • What Do Credit Card Issuers Do with My Information?

    John Ulzheimer
    17 Dec 2014 | 7:20 am
    The short answer to this question is clearly, “a lot.” Credit card issuers are the keepers of a vast amount of personal information, including data on: Their customers’ identities Their credit histories Their spending habits And much more Much of that information is regulated, so the issuers have to follow protocols ensuring that your information […] The post What Do Credit Card Issuers Do with My Information? appeared first on Credit Card Insider - Research, Discover and Compare Cards.
  • Best Credit and Charge Cards for Small Businesses and Startups – Winter 2015

    Brendan Harkness
    16 Dec 2014 | 8:12 am
    Read more about the differences between business credit cards and personal credit cards Small businesses benefit from credit cards in many of the same ways that an individual does, like being able to pay large purchases off over time, getting discounts on frequent purchases and travel, or gaining access to exclusive deals and events. Credit cards […] The post Best Credit and Charge Cards for Small Businesses and Startups – Winter 2015 appeared first on Credit Card Insider - Research, Discover and Compare Cards.
  • Credit Card Culture – What’s It Like Outside the U.S.?

    Kimberly Rotter
    15 Dec 2014 | 7:08 am
    Most consumers in the U.S. use credit cards, and many of those who don’t use their debit alternative. There are two extremes: the über-wealthy might use an American Express Centurion card to purchase a luxury car; while the least fortunate (in California, at least) must use a Bank of America EDD Visa debit card for their […] The post Credit Card Culture – What’s It Like Outside the U.S.? appeared first on Credit Card Insider - Research, Discover and Compare Cards.
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    SideHustle HQ

  • 21 Phenomenal Side Business Ideas for 2015

    SideHustleHQ
    13 Dec 2014 | 4:35 am
    As 2014 draws to a close and we look forward to a new year, it’s important to scout for new side businesses ideas. Hungry entrepreneurs that succeed are always reevaluating their efforts and striving for improved return on investment. In 2015, any of the following sensational side business opportunities could mean big profits under the right circumstances. Health & Fitness for Kids The child health niche is one that often goes unexploited. You could run a soccer day camp for middle school students or develop a line of healthy energy bars for pre-teens. Parents are always more than…
  • Starting a Locksmith Side Business

    SideHustleHQ
    5 Dec 2014 | 4:00 am
    If you’re looking for a business with nearly limitless profit potential and constant demand, a locksmith sideline is a great idea. The nice thing about locksmithing is that it can be applied to a wide range of niches. Everything from residential to automotive installations are within your reach if you have the tools and the know-how. Furthermore, a locksmith business can be launched on a shoestring budget. To get your own locksmith business off of the ground, just follow these simple steps. Get to Know Your Local Market Before you install or replace lock one, it’s critical that…
  • How to Make Extra Money During the Holidays

    SideHustleHQ
    27 Nov 2014 | 3:12 pm
    For most consumers, the holiday season is a hectic and often stressful time that takes a major bite out of their bank accounts. As such, it’s an excellent time for entrepreneurs to cash in on all of that commercial activity. If you’re looking to pick up some extra money during the Christmas holidays, these quick and simple ideas should work splendidly. Pick Up a Seasonal Temp Gig If you’d rather collect a check than be the boss, seasonal jobs like taking orders for Honeybaked Ham or working at Macy’s fit the bill. Many companies pay temporary workers higher wages…
  • Starting a Chimney Sweep Business on the Side

    SideHustleHQ
    15 Nov 2014 | 3:45 pm
    For many entrepreneurs, the home improvement and maintenance niche offers some of the most lucrative opportunities. Chimney sweeping is one sector that’s begging for exploitation. A low barrier to entry and high profit margins make it an extremely attractive line of work. As more and more homeowners look to ditch the grid in any way possible, chimneys are seeing a lot more use these days. Using the following tips as a rough business blueprint, anyone can launch a fruitful chimney sweep company. Do Your Market Research Though chimney sweeps are a rarity in many areas, you’ll need…
  • Jim Nantz: He’s Found His Calling Once Again

    SideHustleHQ
    12 Nov 2014 | 11:41 am
    Since the 1990’s Jim Nantz has excelled at his dream job as a sportscaster for the NFL, NCAA and the PGA Tour. The Emmy award winning, five time National Sportscaster of the Year has now found a second calling.  In 2009, Nantz and his co-founder Peter Deutsch, partnered to create, The Calling , a company that produces handcrafted wines. The Calling Wines include a Cabernet Sauvignon, Chardonnay, Pinot Noir and others. Prices per bottle start at $32. In a CBS interview, Nantz stated “This was an opportunity to try to take something that I taught myself, a level of expertise and…
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    Covenant Trust Company

  • IRA Charitable Rollover extended to 12/31/14

    Covenant Trust Company
    19 Dec 2014 | 6:44 am
    On December 16th, Congress passed a bill that included an extension for the IRA Charitable Rollover. This provision expired at the end of 2013 but has now been extended to December 31st, 2014, retroactive to January 1st, 2014. The IRA Charitable Rollover allows individual taxpayers older than 70½ years to donate up to $100,000 to […]
  • Claiming tax deductions on gifts

    Covenant Trust Company
    5 Dec 2014 | 8:51 am
    Did you participate in #GivingTuesday? Or are you planning on make a donation before the end of the year? If so, here are five things to know about claiming a tax deduction on your donations. Not every organization qualifies you for a tax deduction. Donations to churches and government agencies are deductible; to find out […]
  • Create a charitable giving plan for #GivingTuesday

    Covenant Trust Company
    2 Dec 2014 | 9:30 am
    Today is #GivingTuesday: a day to remember others and give generously to those in need during the Christmas season. If you can’t participate in #GivingTuesday by donating to your favorite ministries or charities, perhaps you can join in by creating a charitable giving plan for next year. Charitable giving can be an important expression of our faith […]
  • The 4% rule during retirement

    Covenant Trust Company
    12 Nov 2014 | 6:29 am
    The cover story in the October 2014 issue of the Journal of Financial Planning was on the “4% Rule.” This rule of thumb for a safe retirement withdrawal rate was first suggested by financial planner Bill Bengen in his article “Determining Withdrawal Rates Using Historical Data,” published 20 years ago in October, 1994. Bengen, who […]
  • Remembering former CTC president, Chuck Walles (1938-2014)

    Covenant Trust Company
    23 Oct 2014 | 8:59 am
    The following was written by Patty Conrad, retired corporate secretary of Covenant Trust Company. When President Emeritus Chuck (“Only my mother used to call me Charles.”) Walles joined Covenant Estate Planning Services/Covenant Trust Company in 1991, he brought his entrepreneurial business leadership and experience of service in the United States Coast Guard to his new […]
 
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    Debt Consolidation USA

  • Perfect Places to Pay with a Credit Card

    Simi Mira
    15 Dec 2014 | 6:44 am
    Credit cards could be a bad thing and a good thing all at the same time. It is a handy tool for handling big purchases that you need to make, but cannot afford to do at that immediate time. It is also a good way to not have to carry cash on you all of […] The post Perfect Places to Pay with a Credit Card appeared first on Debt Consolidation USA.
  • Financial Planning For Couples: What Questions To Ask Each Other

    Lizzy Bale
    11 Dec 2014 | 4:30 am
    We all know that there are certain life events that need financial planning. This should be easy if you are single. You only have to consult yourself and no one else. There will be no arguments and you get to bear the burden of deciding everything yourself. However, if you are in relationship and you […] The post Financial Planning For Couples: What Questions To Ask Each Other appeared first on Debt Consolidation USA.
  • 4 Income-Driven Repayment Options For Your Federal Student Loans

    Lizzy Bale
    4 Dec 2014 | 5:32 am
    Do you think that both private and federal student loans are really worth it? A lot of people seem to think so. In fact, this type of debt will always and forever be deemed as a good debt. You would think that people would step back a bit and cut back on this type of […] The post 4 Income-Driven Repayment Options For Your Federal Student Loans appeared first on Debt Consolidation USA.
  • Frightening Things That Can Haunt Your Finances

    Simi Mira
    4 Dec 2014 | 5:27 am
    Horror stories in the world of finance are nothing new. Whether it’s surrounded by a bad real estate deal, being sued by someone, harassment from the IRS over taxes or almost anything else you can think of, things aren’t destined to end very well. Even taking strong precautions against negative situations and being smart with […] The post Frightening Things That Can Haunt Your Finances appeared first on Debt Consolidation USA.
  • Understanding The Difference Between Federal And Private Student Loans

    Lizzy Bale
    25 Nov 2014 | 8:18 pm
    It seems that student loans will forever be in the headlines. At least, it will be until we have successfully lowered it. But that is hardly what we think will happen. After all, people still believe in the power of a college education. In fact, college debt is considered to be a good debt. People […] The post Understanding The Difference Between Federal And Private Student Loans appeared first on Debt Consolidation USA.
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    Personal Finance Blog | LSS

  • Pros and Cons of Medical Flex Accounts

    Kate Swenson
    3 Dec 2014 | 1:48 pm
    Let’s face it…unfortunately most of us have medical bills. If you don’t have them right now, you, your child, or your partner likely will at some point. Medical bills can be scary because when you receive the paper bill, they ask for the whole balance right away. If you can’t afford to pay the entire balance, the first thing to do is call your medical provider right away to set up payment arrangements. However, you can prepare for medical bills a different way if your insurance provider offers Flexible Spending Accounts or FSAs. An FSA is great if you have a good idea what you spend…
  • IDENTITY THEFT: WHERE TO START

    Kate Swenson
    1 Dec 2014 | 1:17 pm
    I’ve had several identity theft victims in my office in recently. They all said they didn’t know where to start to deal with it. So, here it is: Where to Start Identity theft is the most frequent complaint filed with the Federal Trade Commission (the agency created in 1914 to protect the public against unfair commerce practices, later charged with much greater consumer protection duties.) I always encourage clients to file an identity theft complaint with the FTC. They publish an annual report of complaints, cited by everyone else as the barometer of consumer issues. The more data the FTC…
  • Haven’t saved a penny for the Holidays? Here are 5 tips to make up for it in 1 month.

    Kate Swenson
    17 Nov 2014 | 7:09 am
    The holidays come with a cost, and it’s not just the gifts…It’s meals, decorations, travel, donations, etc.  Because of this, how many of us promise ourselves…”I am going to save for the holidays” then all of sudden it is October, the holidays are right around the corner, and you haven’t saved a dime?  Sound familiar… me too. The good news is there are a few ways that we can make up for lost time. Here are some tips to make up for that lost time in 1 month, and keep you from paying for the holidays into 2015! Give it up! Find something in your life that you can go a…
  • 10 Signs You May Be In Credit Trouble

    Kate Swenson
    27 Oct 2014 | 11:26 am
    Is your debt stressing you out? Do any of these sound like you? Charging more each month that you make in payments. Paying only the minimum amount due on your credit cards. Using credit and cash advances for items that used to be purchased with cash, like gas and groceries. Having a total credit balance that rarely decreases. Being at or near your credit limit and applying for new cards. Needing a consolidation loan to pay existing debt. Not knowing the total amount you owe. Never opening your mail or answering the phone in fear of debt collectors contacting you. Making late payments…
  • YOUR FIRST APARTMENT! FIVE WAYS TO BE PREPARED

    Kate Swenson
    13 Oct 2014 | 12:58 pm
    My 23 year old daughter just moved into her first apartment with friends.  As they were looking at and considering apartments, she asked for advice on various aspects of the process.  I wasn’t much help—I haven’t moved in 35 years!  (I bought my house when I was 12!)  So, I learned with them about renting an apartment. CHOOSE YOUR ROOMMATES WELL You and your roommates will be equally liable for the whole rent, not just your portion.  Are your prospective roommates employed?  Dependable? Choose roommates with a similar lifestyle.  Are you an early riser and your roommates night…
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    Minting Nickels

  • Save energy and money with your washing machine

    Justin
    9 Dec 2014 | 4:26 am
    Rule number one of shopping for a brand new washing machine – do not purchase a cheap one if it will cost you a fortune to run. Which? tested a number of washing machines regarding the amount they cost to run which varied from £11 to a staggering £50. This is a huge difference in amount – an amount that will add up over the years. However, there are also things you can do from home to reduce costs as much as possible, these include: Turning it off Most, if not all electrical appliances can be turned off at the mains and washing machines are no different. A typical household can save up…
  • How to find great value antiques

    Justin
    9 Dec 2014 | 4:25 am
    Hand crafted from the highest quality materials and built for royalty, aristocrats and wealthy institutions – antiques are known for being expensive with many even considered priceless. Although there are plenty of high value pieces out there, there are also a large number of antique furnishings and ornaments that are much more affordable. This allows for many of us to have the privilege of owning our very own piece of history. If you’re on the lookout for an antique for your home, here are few tips for hunting down the best deals: Go online With a vast wealth of resources available…
  • The Subtle Intricacies to Tasting Success at an Investment Bank

    Justin
    26 Nov 2014 | 5:35 am
    There is a lot more to succeeding in banking than just profit-generation and sales. There are lots of unstated rules about town and following these are crucial for people who wish to emerge victorious on the scene of investment banking. Progression in banking has led to new character traits in professionals. If you are looking for a career in investment banking, you need to imbibe these traits to create history. Patience and Diplomacy You can make good money in cash bonuses; however you need to be willing to wait for them. Junior bankers are offered these initially but they feel the pinch…
  • 7 Ways to Boost Your Credit Score

    Justin
    24 Nov 2014 | 4:46 am
    When you have a good credit score, certain doorways are open to you that others don’t have. A low credit rating can hold you back from achieving life goals, like buying a new or larger car, buying your first home or even renting an apartment. You can also forget about getting an unsecured credit card when you have poor credit or no credit. There are different ways you can improve your credit score, so that you can make financial decisions without anything holding you back. Pay Down Your Credit Card Bills If you already have one or more credit cards, then keeping the balances low is…
  • Why Do Companies Need Barcode Printing Software?

    Justin
    2 Nov 2014 | 6:07 am
    If you take a closer look at all the products that you can find on the supermarket shelves, you will realize that all these goods have UPC barcodes printed on their packaging. Where do these barcodes come from and why are they printed on all the products that you can find in retail stores? UPC is an acronym for “Universal Product Code”. Initially, UPC barcodes were introduced to accelerate the checkout phase in supermarkets and simplify inventory management. Due to their incredible effectiveness and accessibility, barcode systems have gradually been adopted and utilized on a larger scale,…
 
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    Debt RoundUp

  • 66 Simple Ways to Save Money [Infographic]

    Grayson Bell
    22 Dec 2014 | 2:04 am
    Who wants to save some money?  Seriously, I know you do!  Since the holidays are always a crazy time of over spending and over indulging, it’s time to save your money when the new year approaches.  This is the best time to get a savings strategy in place for when that clock strikes midnight in the new year.  I like this time of year, besides the shopping!  It’s when I can reflect on the year that’s ending and get my mind right for what is to come. I like a new year. Every year is a new challenge in my book and I look forward to tackling it.  Luckily for you, I plan on…
  • 5 Top Tips for Battling Your Debts and Coming Out on Top

    Grayson Bell
    18 Dec 2014 | 7:55 am
    This is a post written by John Baird, who is a personal finance writer dedicated to helping people fight debt! Debt problems can creep up on the best of us and suddenly spiral completely out of control. Even stacking up seriously large debts can happen quickly while the road back to stability and a healthy financial position can be a long and arduous one. As you’ll know if you’ve been trying to become debt free for any length of time, improving your finances significantly takes time, effort and self-discipline. Here are five tips designed to help you find the focus you need and a strategy…
  • Will You Be Ready If An Unexpected Expense Pops Up?

    Mike Collins
    17 Dec 2014 | 2:07 am
    As I’m writing this article I’m sitting at my kitchen table waiting for the plumber to arrive and install a new hot water heater in our laundry room. The day before yesterday, I was running around the house cleaning up and getting everything ready for the holidays.  We’re hosting Christmas dinner at our house this year and there are still plenty of things left to do before then. My wife and I were in the in the kitchen with the kids getting ready to whip up some delicious oatmeal raison cookies when I realized the cookie sheets were still tucked away in the garage.  As I cut through…
  • Amazon Fire TV Stick Review – A Cable Cutters Device!

    Grayson Bell
    16 Dec 2014 | 8:48 am
    Yesterday over on Empowered Shopper, I wrote an Amazon Fire TV Stick review.  This is one of the new products Amazon put out this year to compete with the Google Chromecast and the Roku Streaming Stick.  As I’m an Amazon Prime member, I was able to get the Fire TV Stick early. It took some time before they actually shipped them out, but I’ve had it for over a week, so here are my initial thoughts.  Make sure to check out Empowered Shopper for the full review and other great product and service reviews. My Thoughts on the Amazon Fire TV Stick Since I don’t have cable and…
  • 5 Great Options for Unexpected Savings – How to Handle Extra Money in the Bank

    Grayson Bell
    15 Dec 2014 | 2:03 am
    This past weekend I was at a home improvement store purchasing some drywall.  I just got spray foam insulation sprayed into my garage and basement.  We are working hard on reducing our home energy bill and pulling out the old and moldy fiberglass insulation was top on my list.  I’m glad I went with spray foam, even though the break-even point is going to be around 7 years.  I’m cool with it and accepted that upfront.  Either way, I spent all of last week pulling out fiberglass insulation and itching all over.  It was not very fun, but it saved me a lot of money.  I have…
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    Phroogal Blog

  • 5 Reasons Why You Shouldn’t Struggle to Keep Up with the Joneses

    Valencia Higuera
    18 Dec 2014 | 8:32 am
    Some of us have been guilty of this — keeping up with the Joneses, the Smiths, the Clarks or any other family who seems to have it together on your block. You may not be the jealous type per se, but if you work hard and earn decent money, yet you can’t seem to get ahead while others are buying bigger homes, taking vacations and getting fancier cars, you might wonder: What am I doing wrong? A self-evaluation and a review of your money habits is one of the best ways to get your personal finances on track and improve your money. Maybe the people living a seemingly “good life”…
  • 4 Holiday Financing Options You Should Avoid

    The Phroogal Jason
    8 Dec 2014 | 9:35 am
    Winter isn’t my favorite season however within its frozen hands hold my favorite time of the year – the holiday season. I love the holidays because of the general positive outlook many people have and the cheerful greetings that warm my heart in this frigid weather. This season brings up many moments for shared dinners, holiday parties and conversations while sipping hot cocoa. It really is a time to cozy up and take refuge from Jack Frost’s wintery grip. There are many opportunities to make new memories. With all the feasts, gift giving and laughter, this season has a darker side…
  • 5 Personal Finance Rules You Might Have to Break

    Valencia Higuera
    3 Dec 2014 | 3:40 am
    To improve your personal finances, you can talk with a financial planner, read money blogs or get advice from financially savvy friends. And as you read or speak with individuals, you might recognize some common money beliefs — in fact, you might get the same basic advice. The truth of the matter is, there are money or personal finances rules that the majority of people follow. It’s rules that our parents may teach, and rules echoed by many well-known money experts. It’s a blueprint for our money, and many will say follow these rules no matter what. But sometimes, you have to tweak…
  • Manage Money: 6 Holiday Shopping Tips

    The Phroogal Jason
    26 Nov 2014 | 4:00 am
    I love the holidays. It reminds me of home cooked meals, dinner conversations with family/friends and of course gifts. For many, this period of the year is both a joy and a stressful event. We may feel the need to spend more than we have to keep up appearances or not let our loved ones down. The stress of finding the perfect gift and using credit to afford it can be the seed that sprouts financial worries in the Spring. Keep in mind the reasons why you are shopping. We shop to buy things for others and shop to buy things for ourselves. It’s okay to do both but it’s not okay to…
  • 9 Items NOT to Buy on Black Friday

    Valencia Higuera
    20 Nov 2014 | 4:28 am
    Black Friday is a week away, and if you’ve never been able to resist a deal, you might be saving your pennies and plotting your strategy for the biggest shopping day of the year. But although many retailers will offer significant discounts on everything from clothes to household goods, you might be surprised to learn that some items aren’t worth buying on Black Friday. This doesn’t mean you won’t find discounts for these items, but depending on what you’re looking for, you might do better shopping at other times of the year. Here is a list of nine items you…
 
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    Student Debt Relief | Student Loan Forgiveness

  • How to Avoid a Tax Offset From Your Student Loans

    Demetrios Sourmaidis
    8 Dec 2014 | 7:56 am
    How to Avoid a Tax Offset From Your Student Loans If your federal student loans are in default, the Department of Education can refer your account to the Department of Treasury for collection by an offset of your federal (and in some cases state) tax returns.  The Department of Treasury can withhold the entire amount of your refund to satisfy the debt that is owed.  If […] The post How to Avoid a Tax Offset From Your Student Loans appeared first on Student Debt Relief | Student Loan Forgiveness.
  • Co-Signing a Student Loan – A Parents Dilemma

    Kevin Findley
    30 Oct 2014 | 7:30 am
    Co-Signing a Student Loan – A Parents Dilemma In 2009, 27 year old Lisa Mason died suddenly from liver failure. She had graduated two years earlier from Nursing School, quickly found work and began paying off her private student loans on time and without fail. After her death, while her parents had barely begun to grieve, the first call from one of the […] The post Co-Signing a Student Loan – A Parents Dilemma appeared first on Student Debt Relief | Student Loan Forgiveness.
  • Are Student Loan Defaults Going Down?

    Demetrios Sourmaidis
    15 Oct 2014 | 7:08 am
    Are Student Loan Defaults Going Down? Last month, the Education Department released its annual report on federal student loans in default showing results that makes everything look A-OK!. This is the Three-Year Cohort Default Rate and on the face of it, the news is very good. The rate for students going into default on their federal loans in 2011 is 13.7 […] The post Are Student Loan Defaults Going Down? appeared first on Student Debt Relief | Student Loan Forgiveness.
  • Predatory Student Loan Lenders Sued In Illinois Court

    Demetrios Sourmaidis
    2 Oct 2014 | 11:19 am
    Predatory Student Loan Lenders Sued In Illinois Court In September, the Consumer Financial Protection Bureau filed a lawsuit with the Northern Illinois District Court against Corinthian Colleges Inc. In it, they accuse the corporation, made up of for-profit colleges Everest, Heald and Wyotech, of predatory student loan lending, illegal collection practices and misleading potential students about job prospects and placement after graduation. In […] The post Predatory Student Loan Lenders Sued In Illinois Court appeared first on Student Debt Relief | Student Loan Forgiveness.
  • Looming Student Loan Debt Crisis Creeps Closer

    Demetrios Sourmaidis
    27 Aug 2014 | 11:55 am
    Looming Student Loan Debt Crisis Creeps Closer According to data released this month from the Department of Education, the looming student loan debt crisis appears to be getting closer. Over half of all Direct Loans are now behind on their repayment schedule. This isn’t a small number, as Direct Loans make up the largest percentage of federal student loans. Increased Debt, Decreased […] The post Looming Student Loan Debt Crisis Creeps Closer appeared first on Student Debt Relief | Student Loan Forgiveness.
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    iMoney.ph

  • Money Mistakes At Every Decade

    imoney
    21 Dec 2014 | 5:49 pm
    Life moves fast. Every decade presents you with new challenges — and brand new ways for you to make mistakes. Whether you’re 25 or 55, you have to make decisions about your financial future, and it’s pretty easy to mess it up. But if you know what mistakes to look out for, you’ll be prepared to avoid them, and to make sound financial plans. Find out the common money mistakes at every decade, and the best ways to defeat them: 20s Not negotiating your salary or asking for a raise. You might be throwing away millions of pesos over the course of your career if you never negotiate your…
  • Just Saving Won’t Make You Rich

    imoney
    16 Dec 2014 | 11:27 pm
    A lot of the “get rich” advice out there will tell you that saving money is the key to getting rich. And here at iMoney, we’ve never missed a chance to tell you about the advantages of saving money. Here’s the thing, though: just saving won’t make you rich. If you think stashing away 20% of your pay every time in a savings account is the secret to wealth, you’ve never been more wrong. Why saving won’t make you rich Savings accounts give you low yields.  A starting savings account will give you only 0.25% interest per annum. So let’s say you’ve managed to put P50,000 in…
  • The Best Things To Do With Your Christmas Bonus

    imoney
    16 Dec 2014 | 6:59 pm
    Everybody loves Christmas. The food, the pageantry, the family, and of course, the Christmas bonus checks. Are you getting one this year? Do you know what you’re going to do with it yet? If you don’t make a plan for your bonus, it’ll be gone before you know it, and you’ll probably end up wasting it. Whatever your financial situation may be, you’ll find a great use for your bonus in our helpful list below. And you don’t have to pick just one — you can split up your Christmas bonus check in any way you want: Take a vacation. (We bet you thought this was going to be something…
  • What’s Your Net Worth?

    imoney
    14 Dec 2014 | 5:26 pm
    Do you know what you’re worth? (We’re only talking money — we’d never try to calculate your true worth!)  If you don’t, there’s an easy way to find out: calculating your net worth. What is net worth? Simply put, net worth is what you own (assets) minus what you owe (liabilities). Assets include cash, investments, real estate and other properties, vehicles, retirement savings, and valuables that have significant worth. Liabilities include mortgages, personal loans, student loans, credit card debt, car payments, or any other debt you might have. Why is it important? According to…
  • What Questions To Ask During A Job Interview

    imoney
    9 Dec 2014 | 5:35 pm
    Are you the kind of person who panics at a job interview when the interviewer asks ‘Do you have any questions you’d like to ask me?’ You might be thinking ‘Oh no, what if I ask a stupid question’, or ‘If I have questions, they might think I didn’t do my research’, and you keep quiet and ask no questions at all. When you’re given the opportunity to ask questions at a job interview, seize it. It’s the perfect time for you to show that you’re interested in the job, to find out if the company vibe is the right fit for you, and to make sure that they don’t have doubts about…
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    Life House Financial - Education Center

  • Did Lending Club’s IPO Set The Trend?

    Life House Financial
    20 Dec 2014 | 5:48 pm
    With Lending Club’s IPO well behind us, the anticipated IPO of OnDeck Capital is on it’s way.  OnDeck, an affiliate lending partner of Life House Financial,  provides small business lending between  $5,000 and $250,000 with terms ranging three months to 24 months. OnDeck hopes to sell initial shares of its stock between $16 – $18, […]
  • Are Delinquent Mortgages Still Hurting the Market?

    Life House Financial
    20 Dec 2014 | 5:36 pm
    The 2015 forecast for American’s searching for new mortgages is hopeful, however, according to a  research paper released by the Urban Institute, there could be some serious issues still pending the industry. The cost of taking care of delinquent mortgages is increasing, according to a paper authored by Laurie Goodman, director of the Housing Finance Policy Center. The average cost to […]
  • Budget, Save Money, & Have a Few Laughs This Holiday Season.

    Life House Financial
    20 Dec 2014 | 5:12 pm
    Every year our phone lines are flooded with calls of individuals looking for what we like to call “Christmas Money.”  It is this time of year we hear comments like, “we want to make sure this Christmas is a good one,” and “I’d just need a little extra money now, but will pay it back […]
 
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    FinancingLife.org

  • Virtual book tour for new book: Why Bother With Bonds

    Rick Van Ness
    24 Nov 2014 | 11:48 am
    SPECIAL PROMOTION: The kindle version of my new book Why Bother With Bonds is FREE at Amazon thru Tuesday Nov 25, 2014. Grab a copy while it is FREE! http://www.amazon.com/dp/B00PL7WS16/ Rick is on his virtual book tour and sits down for an interview with Jennifer Howell. Hear how he answers her hardball questions JENNIFER: I’m […] The post Virtual book tour for new book: Why Bother With Bonds appeared first on Virtual book tour for new book: Why Bother With Bonds.
  • Why Bother With Bonds (*** NEW BOOK ***)

    Rick Van Ness
    22 Oct 2014 | 3:06 pm
    A practical how-to guide for every investor. For ordinary investors who want to build an all-weather portfolio—even during low interest rates. It is time-proven wisdom, and encourages you to take control of your finances. Learn how to use CDs, bonds, and bond funds to manage risk/reward even during low interest rates. You will learn: How […] The post Why Bother With Bonds (*** NEW BOOK ***) appeared first on Why Bother With Bonds (*** NEW BOOK ***).
  • Fun Way To Teach Teenagers About Stock Market (unexpected results)

    Rick Van Ness
    27 Aug 2014 | 8:56 am
    Learn the fun way I taught my teenagers about the stock market. It's fourteen years later. I'll tell you what worked, and what didn't. They don't teach this in schools. It's great if you can do this at home. Please share your ideas. What worked for you? The post Fun Way To Teach Teenagers About Stock Market (unexpected results) appeared first on Fun Way To Teach Teenagers About Stock Market (unexpected results).
  • Video of Website Improvements (to reduce bounce rate)

    Rick Van Ness
    14 Aug 2014 | 12:08 pm
    I'm happy to report that my videos have been watched more than 216,000 times as of 13Aug2014. But while I celebrated this, I had some concern about the visitors to this website that never interacted with the website and then left from the same page they entered. My worry is that they did not find what they came looking for, so I have redesigned the website to reduce bounce rate and make it much easier for first-time visitors to find the information they are seeking. This video is a fast-paced overview of the changes and a testimonial to the instructor for the class I took to accomplish this.
  • Bond Basics 5: Individual bonds or bond fund?

    Rick Van Ness
    13 Mar 2014 | 9:13 am
    Should you own individual bonds or bond fund? The answer is easy. Learn why in this episode. Learn what every investor should know about fixed-income securities. The post Bond Basics 5: Individual bonds or bond fund? appeared first on Bond Basics 5: Individual bonds or bond fund?.
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    Find Your Balance

  • Get Finances in Order With These Apps

    balanceblogwriter
    19 Dec 2014 | 1:53 pm
    Is one of your New Year’s resolutions to get your finances in better shape? Or manage your expenses more accurately? Maybe it’s both…or more. The good news is there are plenty of powerful, smart, and free apps to try out for the New Year. Here’s a roundup of some of the most talked-about ones by finance experts. All are free and available for iOS (iPhone), Android, and some for Windows. Personal Finance No surprise that Mint.com is one of the most popular personal finance sites out on the market.  Its app offers a secure way to track all of your accounts and credit cards in one…
  • Be a Holiday Hero with Debts of Zero

    balanceblogwriter
    11 Dec 2014 | 3:31 pm
    The warmth and good cheer of the holidays can grow cold  quickly when the spending of December wears off in January and you must pay for the merriment spent. However, there are ways to keep the good feelings rolling  financially. When you make a commitment to a “debt-free” holiday, you can ring in 2015 with a happier money outlook than seasons past. Give a savings lesson Saying “no” to a child with an extensive gift wish might be the hardest thing to do this time of year. The good news is that you can say “not yet” instead to some of those gifts. If your child has a high-cost…
  • What You Need to Dispute a Credit Report Mistake

    balanceblogwriter
    21 Nov 2014 | 5:01 pm
    Have you ever found a mistake on one of your credit reports? If so, you’re familiar with the feelings of anger and injustice that come with discovering you’re being accused of something that isn’t true. Translating your motivation to fix the false information into a successful dispute takes more than just a sense of unfairness though—it requires specific steps to remedy the problem. Here’s what you need to get on the “fact track.” Get updated credit reports To start with, there are many different kinds and sources of credit reports. While there are three main credit bureaus that…
  • Upromise Offers Education Savings Options

    balanceblogwriter
    14 Nov 2014 | 1:46 pm
    Financial resources can be a challenge when it comes to paying for education, whether that means setting aside money for a child’s future expenses or paying for schooling you’ve already received. Luckily, there is a way to stash cash for educational expenses without sacrificing your other financial needs. What is Upromise? Upromise is similar to a credit card reward program – you get cash back for making purchases. However, the difference is that the rewards you earn shopping with participating companies can be directly linked to saving for a child’s future college bills, paying down…
  • The Slowdown 6: Avoiding Home Purchase Delays

    balanceblogwriter
    31 Oct 2014 | 10:55 am
    No one wants to have a long, drawn-out home buying process. But if you’re the kind of person who sees every month spent not in a new home as weeks of equity lost, you’re even more motivated to finish the purchase in a timely manner. While it’s not a great idea to rush into a new house, there are steps you can take to make the journey as efficient as possible. The roadblock: Not having a real estate agent While some may advise you to forego a real estate professional in an attempt to save money, doing so may cost you both money AND time. An agent who is experienced in working with local…
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    Gajizmo

  • What Is An Internship – Benefits, Pay and Expectations

    Gary
    17 Dec 2014 | 5:50 pm
    Internships have become increasingly popular the last few years as companies look to reduce labor costs and students or candidates search for positions that offer experience in a given profession or industry. An internship is an apprenticeship or formal training program for future professionals whereby a company offers potential employees the opportunity for a limited on-the-job experience. Since employers undertake immense costs to recruit, hire, and train employees, internships create a way to avoid incurring those turnover costs by gauging the candidate’s qualifications and fit within…
  • Jobs That Require No Experience

    Gary
    19 Nov 2014 | 3:15 pm
    If you are fresh out of school, looking for a job, or in the midst of a career change, but have no job experience on your resume, finding a high paying job may seem difficult. Many available jobs require X years of education or experience, and you may find yourself falling into the paradoxical “need a job to get experience – need experience to get a job” trap. There are, however, many jobs that don’t require any experience and even offer on-the-job training to give you the boost you need to excel in that industry. They may not be glamorous careers or even offer the best…
  • How To Make Your Resume Stand Out

    Gary
    6 Nov 2014 | 2:18 am
    Your resume is the key to winning an interview. Statistically, hiring managers and human resource coordinators spend 10 to 20 seconds reviewing your resume. In that time period, you need to make your resume stand out from the other 100 they’ve received and warrant a follow-up call to learn more about you. In a competitive market, you have to design a resume that will make it through the different screening processes and onto the hiring manager’s desk. Connections, relationships and networking can help, but ultimately your resume is the most important marketing tool you have and should…
 
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    Personal Finance Advice

  • 3 Reasons to Use LinkedIn even if you have a Job

    Chris Bibey
    17 Dec 2014 | 6:38 am
    As the “World’s Largest Professional Network,” many people are under the impression that LinkedIn is only beneficial when searching for a job. While this is a great time to turn your attention to the service, there are other situations in which you should do the same. Here are three reasons to use LinkedIn, even if you have a job you plan on keeping well into the future: The future is unclear. Just because you have a job now doesn’t mean this will always be the case. You never know when something could change and you find yourself searching for another position. The more connections…
  • Save your Small Business Money in 2015

    Chris Bibey
    12 Dec 2014 | 6:14 am
    With the new year right around the corner, the time has come to look towards the future. As a small business owner, this means making changes that will help your company reach new heights. While there is nothing wrong with spending money, especially if you are getting something in return, you don’t want to go overboard to the point of being wasteful. As we move into 2015, there are small steps you can take to save your business big money. A few adjustments here and there could save you thousands. These three ideas will get you in the right frame of mind: Cut back on the use of office…
  • 3 Tips for Setting and Following a Holiday Budget

    Chris Bibey
    26 Nov 2014 | 5:18 am
    It is easy to lose sight of your budget during the busy holiday season. From food to gifts to travel, it may seem that you are spending money non-stop. While there is nothing wrong with spending during the holidays, you don’t want to break your budget. If you don’t, you won’t like what you see when the calendar turns and you have to return to your “normal” life. Here are three tips for setting and following a holiday budget: 1. Track every dollar you spend. The biggest mistake you can make is spending without tracking what you are doing. If this happens, you may look at your credit…
  • Top Reasons to Choose a Community Bank

    Chris Bibey
    14 Nov 2014 | 6:22 am
    With the popularity of online banking on the rise, a growing number of people are turning away from community banks and setting their sights on national institutions. While there is nothing wrong with considering this idea, you don’t want to make a change until you thoroughly compare the pros and cons of both options. Here are three of the top reasons to shun national banks for one in your local community: 1. Higher level of customer service. This may not always be the case, but most people agree that they get better service from a local bank than one that is doing business from one side of…
  • Are you making these Retirement Saving Mistakes?

    Chris Bibey
    24 Oct 2014 | 6:45 am
    Regardless of your age, income, or financial related goals, you likely understand the importance of saving for retirement. While some people have a defined plan, others continue to lag behind, wondering what they should and should not be doing. By eliminating common mistakes, you can quickly alter your approach and find yourself on the path to a better future. Here are three retirement saving mistakes that have sunk many before you. Are you going to avoid these? 1. Not starting early enough or playing catch-up. The sooner you start saving for retirement the better off you will be. Even if you…
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    Getting Ahead, A Personal Finance News & Exchange

  • Cool Car Accessories for Every Budget — Part 1

    21 Dec 2014 | 6:02 am
    <p><img src="http://www.usequityadvantage.com/images/default-source/Blog/bodygard-5-in-1-tool.jpg?sfvrsn=2" alt="Bodygard 5 in 1 tool" title="Bodygard 5 in 1 tool" /><br /> <br /> Americans aren&rsquo;t satisfied with merely owning cars; we&rsquo;re obsessed with accessorizing them, too. According to SEMA, the trade association for aftermarket car accessory suppliers, we spent $33.4 billion on aftermarket upgrades for our cars last year. Sure, a lot of that was for mag wheels and novelty license plate frames, but there are people…
  • Inexpensive Christmas Decorating Ideas to Deck Your Halls

    17 Dec 2014 | 8:30 am
    <p><img src="http://www.usequityadvantage.com/images/default-source/Blog/diy-twig-lighting.png?sfvrsn=3" alt="DIY Christmas Decoration" title="DIY Twig Lighting" width="600" height="402" /><br /> <em><br /> Image from Shop Terrain&nbsp;http://www.shopterrain.com/article/how-to-a-woodland-chandelier</em><br /> <br /> Turning your home into a winter wonderland doesn't have to cost you a lot of cold, hard cash. With free and inexpensive materials from nature, discount retailers and what you…
  • The Tax Man Never Retires

    15 Dec 2014 | 6:00 am
    <img src="http://www.usequityadvantage.com/images/default-source/Blog/Images/retirement-fund.jpg?sfvrsn=2" alt="retirement, taxes" title="retirement fund" /><br /> <p>For most workers, taxes are automatic: The IRS gets its share before they ever see their paycheck. Simple. In retirement, however, the rules change and are much more complicated. Whether you owe taxes on retirement income &mdash; and how much &mdash; can depend not only on total income, but also on the sources of that income and how it compares to your Social Security…
  • What's on Sale Now

    10 Dec 2014 | 6:00 am
    <img src="http://www.usequityadvantage.com/images/default-source/Blog/Images/sale.jpg?sfvrsn=2" alt="sale" title="Sale" /><br /> <br /> <p>During the lead up to the holidays, most of us are in prime-time shopping mode. And if saving money is important to you, timing is everything when it comes to getting a great deal. Here are a few tips for items both large and small as fall fades into winter.</p> <p><strong>Get Plugged Into Savings</strong> </p> <p>Some retailers take a loss on a limited number of…
  • Monthly Bills & Biweekly Paychecks

    1 Dec 2014 | 6:00 am
    <img title="biweekly payments" alt="biweekly payments " src="http://www.usequityadvantage.com/images/default-source/Blog/Images/biweekly-payments.jpg?sfvrsn=4" /><br /> <br /> <p>Somehow, it's become customary for bills to arrive in the mail once a month while our paychecks are issued every two weeks. This creates a bit of a mismatch and a challenge when trying to set up&nbsp;and stick to a regular budget.</p> <p>But there is a positive side to this situation &mdash; you can use your biweekly pay schedule to build in an…
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    Rockstar Finance

  • ★ I Love You Zero Dollars Worth

    J. Money
    19 Dec 2014 | 3:02 am
    “No one says it better than Michael Scott: “Presents are the best way to show someone how much you care. It is like this tangible thing that you can point to and say ‘Hey man, I love you this many dollars worth.” It’s funny, but for most people, it’s pretty true.” ——– Photo by katherine mcadoo
  • ★ Have Fluctuating Income? Fake a “Normal” Paycheck.

    J. Money
    19 Dec 2014 | 3:01 am
    “Before implementing this method of creating a “fake” regular paycheck, I was plagued with the fear that next month we would come up short. Stabilizing our standard of living removed that anxiety. As a bonus, I could take time off for family events and vacations knowing I would still have income when we came home. If you find yourself in our situation, this method may be the ticket to peace and stability in your financial life.”
  • ★ There Will Be Times…

    J. Money
    19 Dec 2014 | 3:00 am
    There will be times you feel like the only person on Earth who isn’t having any fun. There will be times when you’ll be jealous of your friend’s shopping trip that she posted on Instagram… There will be also be times when you’ll see your mutual funds grow on their own to awesome numbers. There will be times when you can take an amazing vacation because you went three years without one.
  • ★ Why You Should Pretend Gas Is Still $4 Per Gallon

    J. Money
    18 Dec 2014 | 3:02 am
    “When gas prices start climbing, you’ll want to be prepared. The best way to accomplish this is to charge yourself the same price for gas that you used to pay. If you buy 20 gallons per week, and the current price is $2.65, that works out to $53 spent on gas. Back when prices were $3.50, that would have cost you $70. That’s a savings of $17! …The idea behind charging yourself more is that you take the $17 and apply it to something that won’t hurt you once that money returns to paying for gas once the price goes back up.”
  • ★ Stop Using Weenie Words

    J. Money
    18 Dec 2014 | 3:01 am
    “Weenie words like “try”, “wish”, “would like”, etc. mean you’re weaseling out of making a commitment on a goal — and you might not even know it.”
 
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    Doctor Of Credit

  • Hyatt Giftcards $50 Bonus When You Purchase $500 Or More. $22 Money Maker/Easy Way To Reach Minimum Spend Requirements/19% Discount On Hyatt Giftcards

    William Charles
    22 Dec 2014 | 1:15 am
    The Offer Purchase $500 or more in Hyatt giftcards and use promotional code SANTA14 and you’ll receive a bonus $50 gift card. The Fine Print Limit of one bonus giftcard per order Valid until December 24th Only valid on eGiftcard purchases Our Verdict Doing this offer only makes sense in two circumstances, you plan to actually use the Hyatt giftcards or you plan to resell them and have access to an American Express business card. That’s because American Express business cards can be enrolled in the OPEN savings program (similar to Visa savings edge), you’ll receive an…
  • [AZ & OK only] MidFirst Bank $100 Checking Account Promo

    William Charles
    21 Dec 2014 | 11:16 pm
    Offer at a glance Maximum bonus amount: $100 Availability: Arizona & Oklahoma  Only Direct deposit required: Optional Additional requirements: Yes, see below Hard/soft pull: Unknown Credit card funding: Unknown Monthly fees: $6-$12 Early account termination fee: Bonus will be taken back if closed within 90 days of account opening Expiration date: December 31st, 2014 The Offer Direct link to offer Receive a $100 bonus from MidFirst bank when you open a checking account and complete two of the following: Set up a $250 minimum recurring direct deposit per month Complete 10 purchases with…
  • [TX only]A+ Federal Credit Union $100 Business Checking Sign Up Bonus + $100 Per Person You Refer

    William Charles
    21 Dec 2014 | 10:35 pm
    Offer at a glance Maximum bonus amount: $100 (plus receive $100 per person you refer) Availability: Texas only Direct deposit required: No Additional requirements: None Hard/soft pull: Unknown Credit card funding: Unknown Monthly fees: None, but $5 fee to join Early account termination fee: $15 if closed within 180 days of account opening Expiration date: None listed The Offer Direct link to offer / Terms Page Receive a $100 bonus for each new A+FCU business member you refer who opens up a Business Membership Savings & Business Checking Account with Business Debit Card at A+FCU. The Fine…
  • [WI, IL only] Landmark Credit Union $100 Checking Bonus

    William Charles
    21 Dec 2014 | 10:09 pm
    Offer at a glance Maximum bonus amount: $100 Availability: Southern Wisconsin and Northeastern Illinois only Direct deposit required: Recurring monthly direct deposit of at least $250 Additional requirements: Enroll in eStatements Hard/soft pull: Unknown Credit card funding: Unknown Monthly fees: None Early account termination fee: $100, 90 days Expiration date: December 31st, 2014 (seems to be regularly extended) The Offer Direct link to offer Receive a $100 checking bonus when you open a Rewards, Interest or High Rate checking account with Landmark Credit Union with the promotional code…
  • [NC only] The Real Peoples Bank $100 Referral Business Checking Bonus

    William Charles
    21 Dec 2014 | 9:41 pm
    Offer at a glance Maximum bonus amount: $100 per business services referral Availability: North Carolina Only Direct deposit required: None Additional requirements: Deposit at least $100 Hard/soft pull: Unsure Credit card funding: Unsure Monthly fees: Unsure Early account termination fee: None listed Expiration date: None listed The Offer Direct link to offer Receive a $100 bonus for every business you refer that opens a business services product. The Fine Print Must be a new customer over the age of 18 Must deposit at least $100 Account must stay open for at least 30 days All bank account…
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    moneypantry.com

  • 6 Free Online Survey Sites That Pay Fast

    Satrap
    18 Dec 2014 | 10:33 am
    It’s becoming an increasingly common practice to use websites to earn a little bit of money on the side. But no matter what website you’re using, there is always one big problem: there is a pretty significant delay on getting paid after you’ve done the work. If you’re like me, you’d far rather use a […] The post 6 Free Online Survey Sites That Pay Fast appeared first on .
  • GD Wants to Pay You $5 for Your Junk Mail!

    Satrap
    17 Dec 2014 | 9:47 am
    Getting paid for junk mails? That sounds highly suspicious! Why would anyone want to pay you for your junk mail or emails? Well, as I explained in another post about Small Business Knowledge Center paying people to send in their junk mails, the main reason for it is researching marketing material and their effectiveness. Gunderson […] The post GD Wants to Pay You $5 for Your Junk Mail! appeared first on .
  • 20 Legitimate Data Entry Work from Home Jobs with No Startup Fee

    Satrap
    16 Dec 2014 | 10:00 am
    Of all the people who have to make a transit to work, whether it’s a long commute or just a walk down the road, many of us have thought before about working from home. It might even be a daytime fantasy of yours! Well, you would be surprised to hear that there are actually a […] The post 20 Legitimate Data Entry Work from Home Jobs with No Startup Fee appeared first on .
  • Take Surveys for Coupons, Free Product Samples & Special Offers

    Satrap
    12 Dec 2014 | 10:14 am
    Have you ever been going through your mail, and seen a large yellow envelope that just has the name of your town or city on it? Chances are, if you have, you either disregarded it or disposed of it entirely. After all, if it’s not addressed to you, it’s probably junk, right? That’s not so, […] The post Take Surveys for Coupons, Free Product Samples & Special Offers appeared first on .
  • 60 Awesome Ways to Make Money Without a Job

    Satrap
    9 Dec 2014 | 8:57 pm
    Whether you like it or hate it, money is an absolutely vital force in today’s world. However, the job market that we rely on to make that money is in worse shape than ever. A struggling economy has lead to a severe lack of jobs, and now we find both the young and old alike […] The post 60 Awesome Ways to Make Money Without a Job appeared first on .
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    CompareHero Malaysia

  • 14 Money Lessons from 2014

    CompareHero
    18 Dec 2014 | 5:00 pm
    Pay off debt, invest your money, set realistic financial goals, and reward yourself: Over the last year, we’ve shown you more than a few tips, tricks, and lessons on how to save more, spend wisely, and improve your personal finances. Here we compiled a small list of money lessons you’d do well to remember as you get ready for another year! 1. Set financial goals. Set realistic financial goals. It can be big (buy a car in five years), or it can be small (save enough money for a new smartphone by the end of the year). Whatever the goal is, be sure to keep it clear and strive toward it. You…
  • Top 12 Money-Saving Tips for Christmas 2014

    CompareHero
    16 Dec 2014 | 5:00 pm
    In many Christian countries and communities around the world, the Christmas season brings with it a wave of holiday hysteria that will put strain on anybody’s wallet. Malaysia may be predominantly Muslim but Christians and non-Christians alike can certainly get into the festive spirit. The season brings with it holiday sales and events, which means more crowds and traffic, and this can take your December from festive to frantic in an instant! Want to celebrate while still saving some cash for the New Year? Here are a dozen ways you can improve your Christmas spending in keeping with your…
  • INFOGRAPHIC: Everything You Need to Know About Air Miles

    CompareHero
    15 Dec 2014 | 12:56 am
    Everyone loves to travel. Some of us are lucky enough to get to fly out to different countries as part of their profession while some of us love to dream about flying to an exotic location to relax and drink in the wonderful sights right in time for the Christmas Season. People who travel often have the option to enroll themselves in a frequent flyer program so they can earn air miles and use them for VIP perks, promos, and even discounts for their next flight! Truly, air miles is a traveler’s best friend. How hard is it to earn air miles? Years ago, it was more difficult but…
  • Holiday Dining Credit Card Offers in KL  

    CompareHero
    14 Dec 2014 | 10:14 pm
    With the end of the year approaching, there are now a string of promos, discounts, and special offers as customers celebrate another year spent with loved ones and family. Get the most out of your credit cards by dining at these amazing restaurants, diners, and bars where you can avail of credit card discounts and promos! HSBC Credit Card Dining Discounts Great deals and discounts await when you use your HSBC credit card for dining! Their rewards program guarantees HSBC cardholders a 20% discount at participating restaurants and cafes with their SmartDining promo. Participating restaurants…
  • CompareHero’s 2014 Money Poll

    CompareHero
    13 Dec 2014 | 8:00 pm
    A full year of living means a full year of spending. Where did your money go this 2014? Answer our 2014 Money Poll and see how you and others spent their hard-earned cash over the past 12 months. Loading...The post CompareHero’s 2014 Money Poll appeared first on CompareHero Malaysia.
 
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    Making Money Fast and Slow

  • Best Gas Rewards Card: PenFed Platinum Cash Rewards – 5% Cash Back

    Bobby Kania
    29 Nov 2014 | 6:00 am
    I’ve had this credit card for well over a year now and it is by far the best rewards card for gas that I have in my wallet.  This card earns a whopping 5% cash back that is automatically applied to your account as statement credit; no need to buy gift cards or anything. In order to avoid the annual fee and earn the full 5% cash back, you need another PenFed “qualifying” account. I just set up a savings account in which I automatically deposit $35 a week so that it covers my monthly gas expenditures. Standard* Plus** Gas Purchases at the Pump* 3.00% 5.00% Annual Fee First…
  • When Will the Stock Market Party End?

    Anonymous
    3 Jul 2014 | 4:53 am
    The stock market is on cruise control, slowly drifting up, like driving with hands off the wheel. While few immediate negative market events are on the horizon, the market is expected to continue its flight. When will the party stop? Over 30% gains in the S&P 500 last year wasn’t enough. We want – NO, WE NEED – more capital accumulation. But how far are we willing to go? The market is already overvalued more than 60% compared to historical earnings. You can check out and learn more about the Shiller PE Ratio here. If you don’t trust legendary Yale professor Robert…
  • A Young Professional’s Guide to Financial Planning

    Jacob Meredith
    18 Jun 2014 | 3:28 pm
    As a young professional myself, I know firsthand the struggles many young professionals have when dealing with their finances. When we graduate college and start making “real money” for the first time in our lives it’s hard for us to listen to our parents and colleagues saying “save, save, save.” We have student loans, rent, and cash in our pockets that tempts us to buy a new set of golf clubs or that Coach handbag we’ve been looking at all week. That’s why I started Appalachian Capital Group, LLC after graduating from Virginia Tech. As an investment manager and financial…
  • 5 Easy Ways to Save Money

    Anonymous
    22 Mar 2014 | 9:33 am
    Eat out less – Eating out can cost a lot. If you eat in you won’t have to pay for gas to get to the restaurant or pay a tip. In terms of actual food cost, it’s just cheaper overall. Work out and eat better – The healthier you are, the more energy you will have and the better you will perform at your job. It will also improve your personal life (not to mention your sex life). Being healthy can also save you money on life insurance and individual health insurance. Improve your credit score – Pay your bills on time and open multiple accounts to get credit history.
  • Thanks Bill White! Can’t Wait to Dig Into Your New Book: America’s Fiscal Constitution

    Anonymous
    21 Mar 2014 | 4:27 pm
    We reached out to Bill White, the former mayor of Houston and Deputy Secretary of Energy under President Bill Clinton from 1993 to 1995, for his new book America’s Fiscal Constitution: Its Triumph and Collapse. He responded by sending us signed copies of his book. Thanks, Bill! We look forward to reading the book and learning more about common budget myths and the history of America’s debt. To check out more, click here.                       Related posts: Senate Bill Goes to House — Deal in Sight The S&P 500 rose…
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    Financial Market Vigilante

  • Linn Energy: A Shale Play Challenged at $55 Oil

    18 Dec 2014 | 7:22 am
    Linn Energy (LINE) (LNCO) traded closed below $10 a unit on December 15, 2014, marking both a 52 week low, and lows not experienced since the December 2008 financial crisis.  During the 2008 crisis, oil reached a bottom in the $35 range, whereas currently we are just reaching the $55 per barrel range.  Why is the panic so much more acute today than the time period politically labeled as the “Greatest Recession since the Great Depression?”  Are we entering an even bigger Depression?  That question I may have an opinion, but will not attempt to answer in this…
  • SandRidge Permian Trust – Struck by the $80 Oil Lightning Bolt

    5 Nov 2014 | 10:32 am
    On October 30th SandRidge Permian Trust (PER) announced its quarterly distribution for production during the time period of June through August 2014.  During the summer the energy market showed high oil prices throughout that benefited the Permian Trust which has 86% its production in crude oil.  The spread between WTI and WTS crude oil widened during the quarter causing a slight decline in price level realized by the Trust.The distribution announcement was greeted with a rally in the market as the units traded up from $9.50 to $9.93 per unit on the day after the press…
  • Stocks Post QE3 - Pay Attention to this Data

    30 Oct 2014 | 10:10 am
    For years the Fed Funds rate has been the sacred measure that investors followed to determine if the Federal Reserve was promoting and accommodative or restrictive policy.  Fed rate hikes were a signal that the market was a little too juiced on the punch, and margin calls or a reduction in lending in the market was considered prudent.What about today?  The Fed Funds rate has been at 0% since December 2008 yielding the rate meaningless in understanding just how Fed policy is influencing the financial markets, much less the economy as a whole.  I separate the stock market from…
  • Investors Beware, U.S. Fiscal Spending Shift Coming

    30 Sep 2014 | 6:56 am
    As we approach the 2014 mid-term elections, U.S. fiscal policy is an economic headwind without any apparent current political movement to change.The relatively tight policy as measured by rate of growth is a counter inflationary force foremost, but also potentially slows down economic growth. You can see the evidence that the present fiscal policy is currently tight by reviewing the August 2014 year over year fiscal expenditure growth rate compared to previous years when the stock market peaked.This data is surprising to many investors because they are so accustomed to hearing how Washington…
  • Lending Activity Heats Up – Should Stock Investors Worry?

    22 Sep 2014 | 6:48 am
    One aspect of the recent U.S. economic growth not widely recognized is that it is being fueled by renewed high levels of debt being taken on by consumers, businesses and investors.Unsustainable debt levels are notorious for derailing GDP growth.  This phenomenon was evident prior to the last two stock market peaks, and the risk has returned to the U.S. market once again.If you review the statistics shown in the table below, you will see that just like 2000 and 2007, debt levels in 2014 have risen to warning zone levels relative to the size of the U.S economy (red = historically high, yellow…
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    Money International

  • What Could Go Wrong With Pension Freedom?

    Vicky Dixon
    21 Dec 2014 | 7:32 pm
    Retirement savers will soon have the freedom to spend their pension funds however they like. A complete overhaul of the pensions system will let anyone aged over 55 with a workplace or private defined contribution pension take the cash how and when they want from April 2015. However, the pensions minister Steve Webb has confessed he expects many savers to make the wrong decisions about how to spend their cash. So what could possibly go wrong? Tax traps The new pension rules are riddled with tax traps – and here are just five of the most obvious: No independent advice – Making quick…
  • Holiday Firms Claim Travellers Ignore Terror Alerts

    Vicky Dixon
    21 Dec 2014 | 7:32 pm
    Terror alerts aimed at warning expats and travellers by governments about safety risks are largely ignored, claim holiday firm trade bodies. The Foreign and Commonwealth Office (FCO) releases security alerts almost daily highlighting travel, crime and terror incidents worldwide. In some cases, British citizens are urged to cancel travel plans or leave a country. The latest general terror alert explains to travellers that they are in danger of attacks from supporters of the militant Islamic State worldwide, especially in Muslim countries. Travel organisations accept the warning is sensible,…
  • Welcome In The Swiss Hillsides For Expats

    Ryan Holder
    20 Dec 2014 | 7:30 pm
    Switzerland will continue to offer generous tax breaks to wealthy expats after a national vote rejected proposals to axe the laws. The referendum showed 61% of voters were against the plan to change tax laws for expats. The Swiss population of about 8 million already comprises around 25% of foreigners. Campaigners claimed the number was too high and that immigrants were swelling the number by 1.4% a year. They argued that the country could sustain immigration at such a rate and that the country needed an immigration cap allowing 16,000 new expats in a year so the population did not breach 8.5…
  • Expat Landlords Shunned By Buy To Let Lenders

    Simone Beck
    20 Dec 2014 | 7:30 pm
    Expats wanting to dip into the Great British Buy to Let Bonanza are finding they are increasingly shunned by mortgage lenders. Few banks and building societies seem to want to risk lending to expats, despite the fact that they generally have large cash deposits. Many lenders have a closed for expats sign on the door, while others carefully cherry pick just a few customers. The problem is financial regulators in the UK have tightened mortgage lending rules, especially for first time buy to let buyers. They have to assess stringent affordability restrictions and satisfy ‘know your customer’…
  • Second Homers To Win Tax Refund On Property Sales

    Patricia Smith
    17 Dec 2014 | 6:42 pm
    European courts are about to take the French government to task over an illegal tax that over 200,000 British second home owners were ordered to pay. British homeowners caught in the tax trap stand to gain from a £400 million compensation pot if the EU rules in their favour. European Court of Justice’s Advocate General Eleanor Sharpston has decided the tax is illegal because “a person exercising an activity in one member state is only subject to social security regulation of that member state”. Effectively, the rule means that EU citizens are only subject to making social security…
 
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    SuperMoney!

  • Ultimate Gift Guide for Christmas : 100+ Gifts Under All Budgets, For All!

    Jennifer Leonhardi
    20 Dec 2014 | 1:43 pm
    With less than a week to go before Christmas, the holiday season is in full swing. If you are like most people, you’ve probably done a good portion of your holiday shopping already and just have a few of those hard-to-shop-for people left on your list. Or maybe you are waiting until the bitter end to brave the retail stores to find the perfect presents for your loved ones. Either way, it is easy to get overwhelmed with all our shopping lists and all of the gift options available; after all, ‘tis the season for many retailers to make a good portion of their annual revenue.But have no…
  • 15 Weird, Wacky And Wild New Year’s Resolutions Made By Celebrities

    Theresa Cummings
    16 Dec 2014 | 3:45 pm
    Over recent years, people have become fed up with making the same resolutions over and over again without successfully completing them each year.  It’s about time!  After all, if your spouse can’t change you, what makes you think you can?On one hand, a growing trend is making resolutions that are seemingly more achievable.  On the other hand are those who just want to make the most bizarre and crazy resolutions, meaning they’ve pretty much given up even beginning to try something reasonable again!Check out these resolutions from the past made by the famous and not so famous.  Just…
  • Could Santa Fall Victim To Identity Theft?

    Gina Roberts-Grey
    15 Dec 2014 | 10:45 am
    According to the Bureau of Justice Statistics’ (BJS) most recent findings, nearly 16.6 million Americans (or 7 percent of those age 16 or older) are victims of identity theft. They’ve either experienced the unauthorized use or attempted use of an existing account, of personal information to open a new account, or the misuse of personal information for a fraudulent purpose.BJS number crunchers also found those who had their personal information used to open a new account or for other fraudulent purposes, were more likely to experience severe financial and credit issues than victims of…
  • 23 Clever Ways To Save Money & Time On Holiday Travel

    Gina Roberts-Grey
    14 Dec 2014 | 9:50 am
    ‘Tis this season for long lines at the baggage claim, crowded airports and bustling hotel lobbies. And because of the mix of wintry weather and increased number of people headed over the river and through the woods to grandma’s house, holiday travel is almost certainly a harried event. According to a recent survey, 20% of holiday flights taking off from the 25 busiest airports were delayed or cancelled in the past five years.While you can’t do much about airlines overbooking flights or Mother Nature stirring up a holiday Nor’easter, you can keep these tips in mind to trim the…
  • FBI Issues Computer Hacking Warning: More “Sony Like” Attacks Possible!

    Theresa Cummings
    12 Dec 2014 | 10:55 am
    The international news agency Reuters was first to report the recent warning issued by the Federal Bureau of Investigation regarding computer hacking. In this release the FBI warned U.S. businesses that “hackers have used malicious software to launch a destructive cyber-attack in the United States, following a devastating breach last week at Sony Pictures Entertainment.”Experts in the field of cyber-security evaluated the malicious software described in the alert and have concluded that it appeared to be the same as the one that affected Sony, which would mark the first major destructive…
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    Your Smart Money Moves | Personal Finance Blog

  • One Great Gift Idea For The College Football Playoff

    Ted Jenkin @ Your Smart Money Moves
    21 Dec 2014 | 6:27 am
    With less than two weeks to go until Christmas, you might still be looking for a great stocking stuffer or gift especially for that avid college football fan.   This year will be the first National College Football Playoff with Alabama, Florida State, Oregon, and Ohio State, and there is sure to be much hoopla and hype coming up for New Year’s Day. Whether you use this as a holiday gift or just pick this up yourself for a New Year’s Day party, it is a must to check out FANPANS (www.fanpans.com). FANPANs came about after realizing no one was producing customized baking products for…
  • I’m Going To Sell My Tech Firm For Millions. Now What?

    Brandon Hayes
    19 Dec 2014 | 3:00 am
    It’s no secret that Atlanta’s technology start-up scene is booming.  I’ve had several young and very successful tech leaders ask me what they should do when they sell their company for millions – thus, this posting. I have to preface this blog by clearly stating I have never sold a company for millions.  However, in seeking feedback from numerous sources and speaking to different entrepreneurs, I’ve come up with this simple list to help you manage your new fortune the right way: Set Up Your Team – CPA, Attorney, Financial Planner and Most Importantly, Good Family…
  • How To Avoid A Holiday Financial Hangover

    Ted Jenkin @ Your Smart Money Moves
    18 Dec 2014 | 11:29 am
    Set yourself a budget. Most people overspend during the holidays because they don’t go in with a budget for each person they are going to buy presents. Typically, when you go on an impulse shopping spree, you often spend more than had originally planned for before the shopping excursion.  My recommendation is to set a clear budget with a fixed dollar amount per person, and then work yourself backwards.  Remember, it isn’t always the amount of gifts that somebody gets . . . it’s the thought of the gift that counts. If at all possible pay cash and stay away from the credit…
  • Does Whole Foods Equal Your Whole Paycheck?

    Ted Jenkin @ Your Smart Money Moves
    16 Dec 2014 | 9:26 am
    Most consumers today have a very difficult time holding themselves accountable for their discretionary spending. In fact, I have seen more families making $100,000 or even $250,000 who are still managing to live paycheck to paycheck. The largest area of spending waste that I have seen proliferate in the family budget by far are in the categories of grocery shopping and dining out. You would think from all of the television programs that we have today showing us all these cutting edge techniques to cooking that we would actually learn how to cook, but instead all we have learned is how to eat…
  • Your Year End Naughty and Nice List

    Ted Jenkin @ Your Smart Money Moves
    13 Dec 2014 | 7:41 pm
    As we rapidly approach year end, making a list for Santa shouldn’t be the only list that you make.  It is also the time of the season to be making some end of the year smart money moves.  Here are my quick five to do’s and NOT to do’s before the end of the year. To Do’s Use up your FSA- You can only carry over $500 to 2015, so make sure you use the other money or you will lose it. Donate to charity- Especially your non-cash charitable contributions. Make sure to get a receipt for tax purposes. Match gains and losses- Look through what positions to sell to match losses against gains.
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    Money On Trees

  • This New Year – Shape up, without breaking the bank: A Q&A with Craig Spear (Part 1)

    Fabio Marrama
    19 Dec 2014 | 12:31 pm
    Year after year the New Year’s resolution that tops most Canadian’s list is to “Get in Shape and Lose Weight”. However, just as interesting is number 3 on the list – stick to a budget. Statistics show that 75% of us who join a gym end up going a grand total of six times a year. This means many young adults will purchase gym memberships and not use them throughout the year. Considering it may cost you roughly $500 a year, this won’t help you stick to your budget. Thankfully a little guidance from a gym expert this year can help you get in shape, without breaking the bank. We’ve…
  • Mobile Apps – Your Holiday Shopping Cheat Sheet

    Fabio Marrama
    12 Dec 2014 | 2:17 pm
    The holidays are upon us! Year after year, do you struggle with a tight budget on holiday gift giving? There are lots of options out there now to help you save! While many of us have already begun thinking of ways to save this holiday season, others need a little help on where to look. As for you Gen Y, don’t be afraid to set limits – it’s really the thought that counts! We all don’t want to spend our days going across town checking out every shop to find the best deals. As with so many things, the beautiful world of mobile apps shows us the way forward! According to…
  • Recuperate Your Shopping Mishaps

    Fabio Marrama
    5 Dec 2014 | 12:51 pm
    For some, you’re dreading to look at that monthly statement. Scanning your transactions you may have realized that it might have been a bad idea to grocery shop while hungry, or treat yourself to 4 or 5 new sweaters. There’s no denying it, many of us have made a purchase or two in the past that we had wished we could have taken back. You don’t necessarily have to be a shopaholic, but for whatever reason that month – you were “credit happy”. The good news is – it won’t burn you forever (unless you make it a habit). In fact, from groceries to clothing, electronics and more,…
  • Talking Financial Literacy With The Hamilton Bulldogs

    Fabio Marrama
    27 Nov 2014 | 12:38 pm
    As we wrap up Financial Literacy Month here in Canada, we decided to have a little fun with local athletes. We made the trip down to FirstOntario Centre to have a financial literacy chat with a few of the Hamilton Bulldogs. Life as an AHL player comes with some of the same financial challenges that young adults face on a day to day basis. Here’s an inside look from three of the Hamilton Bulldogs – Mike Condon, Mac Bennett and Darren Dietz. Watch and share your two cents!   The post Talking Financial Literacy With The Hamilton Bulldogs appeared first on Money On Trees.
  • Student debt, you’re the thorn in my side.

    Fabio Marrama
    13 Nov 2014 | 9:32 am
    The average Canadian student graduates university with $28,000 of debt and takes an average of 14 years to pay it back. This means that if the average student graduates at 23 or 24, they will be paying off their debt by 37 or 38. Wow. For some it’s probably not until graduation comes around that the word “debt” comes up in conversation. Quite simply, student debt sucks and many Gen Y’ers are simply tired of dragging it around. For many it’s because it sometimes feels like it’ll never come to an end. I recently discovered an article in the Globe and Mail – one that many of you…
 
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    Bankrate.com » Rates

  • Mortgage rates in Atlanta, Georgia

    Clare Mallen
    19 Dec 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 Chicago, Illinois

    Mitch Strohm
    11 Dec 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 San Francisco, California

    Clare Mallen
    11 Dec 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 the San Francisco Bay area.
  • Mortgage rates in Phoenix, Arizona

    Mitch Strohm
    11 Dec 2014 | 9:00 am
    See weekly updated mortgage rates in Phoenix for the 30-year fixed, 15-year fixed, 5/1 ARM and jumbo home loan.
  • Mortgage rates in Boston, Massachusetts

    Clare Mallen
    11 Dec 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 Boston.
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    Bankrate.com » Saving Money

  • Money-saving tips for December graduates

    Paula Pant
    18 Dec 2014 | 3:05 am
    Winter graduates face unique challenges. These tips will help them save money.
  • 6 tips for frugal grocery shopping

    Paula Pant
    17 Dec 2014 | 5:00 am
    Frugal gurus employ many techniques to save a buck or two while grocery shopping. Some buy seasonal produce, such as mangoes in the spring and pumpkins in the fall, to keep costs low. Others purchase store brands of their favorite items whenever possible, or scour their newspapers and the Internet for money-saving coupons. You, too,
  • How to budget for the holidays

    Paula Pant
    16 Dec 2014 | 3:05 am
    How can you cope with the high costs of the holiday season? Here are a few tips.
  • 10 tips for finding cheaper airfare

    Paula Pant
    15 Dec 2014 | 6:35 am
    Airfare costs keep rising. Here are 10 ways to lower the cost.
  • Jean Chatzky: Black Friday savings tips

    Jean Chatzky
    26 Nov 2014 | 6:04 am
    These four secrets will help you get the best price -- and value -- when you start your holiday shopping.
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    Stock News Desk

  • The Baako One: a wearable charger for your phone

    Prabir Sinha
    20 Dec 2014 | 3:19 am
    New York City, New York – (StockNewsDesk) – 12/20/2014 — The Baako One is a powerful and effective power house that fits perfectly on your wrist to charge your mobile device whenever you’re running out of charge. Besides being wearable, the Baako One is shockproof and shower proof as well. We have all experienced running out of battery power at different times. Most often, you will find that your phone is running out of battery in the kind of situation when you need it the most. There is no doubt that it leads us to a great trouble at times, and it is frustrating as well.
  • Silent Mini Thunder: an electric mini dirt bike for kids

    James Smith
    19 Dec 2014 | 7:29 am
    New York City, New York – (StockNewsDesk) – 12/19/2014 — The electric motocross is a revolutionary bike dedicated to kids. This is a great opportunity for kids to ride for fun while they learn some proper fundamentals of riding. The Mini Electric Motocross Bike is now available on the market, ending a long wait. The bike is being backed by a 1 year warranty. This is a dirt bike perfectly built for kids. A regular dirt bike comes with a 50cc engine. It is difficult to maintain and keep functional at its best. A common problem you will face is frequent breakdowns of the bike. All…
  • Solarhug bracelet: An ecological external charger

    David Goehst
    18 Dec 2014 | 6:37 am
    Kokomo, IN – (StockNewsDesk) – 12/18/2014 — The Solarhug bracelet has created a huge buzz in the tech market being an effective charger powered by solar energy. It can be also used as a USB flash drive.  The draining out of power quickly or running out of energy is the most common problem we face with all our technical gadgets. You may not want to  get disconnected from people in an emergency or may not like to miss out an opportunity to capture a memorable picture. The Solarhug bracelet will appear as a savior in these kinds of situations. The Solarhug bracelet is basically…
  • Playbulb rainbow: stylish smart LED bulb with rainbow color effect

    Phillip Wilson
    17 Dec 2014 | 6:45 am
    Houston, TX – (StockNewsDesk) – 12/17/2014 — The Playbulb rainbow is a newly introduced, super stylish, LED bulb that is smart and money saving, as well. Here is your best opportunity to decorate your home with rainbow colors to give it an excellent appearance. The bulb is smart as it can be controlled by your smartphone through an app. The appearance of the bulb is effectively attractive and stylish. It does not appear as a mismatch at your home and gives an eye candy décor. If you go into the detail of the design, you will find it simple yet stylish and attractive. It is…
  • MeArm: An easy robotic arm in your pocket

    Andy Manalis
    16 Dec 2014 | 6:59 am
    Santa Barbara, CA – (StockNewsDesk) – 12/16/2014 — The MeArm is a simple and easy to control industrial robotic arm that can be easily carried in a pocket. It was initially derived to develop robotics by lowering the cost of a robot arm. The primary and ultimate aim was to compose some robotic mechanisms for performing lightweight tasks for a low cost. It can be a great tool, like a screwdriver and performing some similar tasks. The MeArm is a miniature of a huge robot arm used in industrial jobs. It is not only a small tool but also attractive and effective. This small tool is…
 
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    The Travel Sisters

  • Toronto Man Finds His “Elizabeth Gallagher”

    Matilda
    17 Dec 2014 | 3:17 pm
    Remember that guy offering a free round-the-world ticket to a Canadian with his ex-girlfriend’s name?  Well, he found his lucky Elizabeth Gallagher. After receiving emails from 18 Elizabeth Gallaghers and hundreds of people willing to legally change their name, Jordan Axani chose a 23 year old student and part-time office administrator.   The chosen Elizabeth Gallagher has a serious boyfriend who is supportive but understandably not thrilled his girlfriend will be traveling with a random guy. Although hotels were not part of the free travel offer, Marriott has offered to…
  • Who Knew This Could Delay a Flight?

    Matilda
    15 Dec 2014 | 9:45 am
    When the pilot on my MIA to ORD flight announced he’s never seen something like this in 27 years, I was prepared for something serious. Or comical. Wait, is that Korean Air nut lady on my flight? Nope. The cause of our 1hr+ delay was much more mundane. Reading lights. A handful of passenger reading lights were not working. According to the pilot, the FAA would not allow the airline to fill seats that had malfunctioning lights. As it was supposed to be a completely full flight and I’m sure the airline was not keen on losing revenue, we were waylaid until every single light was in…
  • Time Running Out To Register for Chase Freedom Fourth Quarter 5% Bonus Categories

    Patti
    12 Dec 2014 | 2:02 am
    If you have a Chase Freedom card, you are probably already familiar with the quarterly 5% categories.  If you have not yet activated the 5% for this quarter, just a reminder that the registration period for this quarter ends Sunday, December 14.  The activation is retroactive so you will earn 5% on all purchases made at Amazon.com, Zappos.com and select department stores this quarter starting October 1. For anyone that still needs to maximize the 5% bonus, there is still over 2 weeks to do so. An option to maximize the 5% bonus is to buy gift cards at various department stores or buy Amazon…
  • Hyatt Award Category Changes Effective January 22, 2015

    Patti
    11 Dec 2014 | 7:19 pm
    Earlier this week, Hyatt Gold Passport announced some minor category adjustments which will become effective January 22, 2015. The category changes only affect 70 properties – 48 are decreasing and 22 are increasing. These adjustments are minor but it is worth checking out the list to see if it includes any Hyatt properties you are planning on booking with points. If any of the hotels you want to book are on the list of hotels that are going up a category, make sure to reserve at the current award rate before January 21, 2015. Copied below is the list of hotels moving up or down…
  • Falcons Permitted in Cabin

    Matilda
    9 Dec 2014 | 12:34 pm
    Lufthansa recently announced that first-class passengers will be allowed to bring falcons aboard the cabin using a “Falcon Master” tray.  The Falcon Master is an easy-to-assemble kit that connects to a standard airline seat and provides a stable bird perch. Apparently, this is not a novel concept as falconry is so popular in the Middle East that many airlines in the region already allow them in the cabin.  The trained birds of prey sit on a handler’s cuff or are attached to an adjacent seat.  Etihad Airways, Royal Jordanian, Emirates and Qatar Airways even post…
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    Advantage CCS » Blog

  • Learn 8 Money Lessons From Billionaires

    Lauralynn Mangis
    18 Dec 2014 | 8:13 am
    It sure would be nice to be a Billionaire, wouldn’t it? While I can’t promise that you’ll start earning millions of dollars or win the lottery, I can share with...The post Learn 8 Money Lessons From Billionaires appeared first on Advantage CCS.
  • Make “Getting out of Debt” Your New Year’s Resolution

    Lauralynn Mangis
    12 Dec 2014 | 12:30 pm
    New Year’s Eve is right around the corner, and it seems like everyone is thinking about self-improvement. What is your New Year’s Resolution going to be? Though many people are...The post Make “Getting out of Debt” Your New Year’s Resolution appeared first on Advantage CCS.
  • Do Kids Understand the Value of a Dollar?

    Lauralynn Mangis
    4 Dec 2014 | 7:10 am
    My father always used to ask me “Do you think money grows on trees?” and back then at the ripe old age of 3 or 4, yeah I probably did...The post Do Kids Understand the Value of a Dollar? appeared first on Advantage CCS.
  • Black Friday vs. Cyber Monday: Which day has the Best Deals?

    Lauralynn Mangis
    26 Nov 2014 | 8:59 am
    Everyone has heard of Black Friday and Cyber Monday by now. This 2014 holiday shopping season will see 180 million people spend around $82 billion. That’s an average spend of...The post Black Friday vs. Cyber Monday: Which day has the Best Deals? appeared first on Advantage CCS.
  • 10 Steps to Eliminate Credit Card Debt

    Lauralynn Mangis
    21 Nov 2014 | 8:28 am
    People always ask me this same question: “How can I get rid of my credit card debt as quickly as possible”. And the answer is always: “You didn’t get into...The post 10 Steps to Eliminate Credit Card Debt appeared first on Advantage CCS.
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    Save The Bills

  • 6 Ways To Watch Movies For Free

    Edwin C.
    17 Dec 2014 | 11:39 am
    Going to the movie theater is a national pastime, but gone are the days of the cheap drive-in movie. Now you could be shelling out $100+ for a night out at the movies with your family. Buying DVD’s isn’t cheap either, at about 15 bucks per movie. What if you could watch movies for free? What if it wasn’t illegal? Well It’s entirely possible to feed your movie addiction on a shoestring budget. Here are 6 methods to do just that. Share A Netflix Account If a friend of yours has a Netflix subscription, you can mooch off of them if they don’t mind. With Netflix you…
  • 3 Important Questions To Ask Before Getting A New Credit Card

    Edwin C.
    21 Nov 2014 | 11:31 am
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