Personal Finance

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  • 5 College Degrees Not Worth the Money

    Wise Bread
    Damian Davila
    23 Jan 2015 | 10:00 am
    Confucius advised people to "choose a job you love, and you will never have to work a day in your life." If you have a passion for a specific field, it can make sense to pursue a college degree. In theory, your degree should provide you a competitive advantage and make you more...
  • Jean Chatzky: Money tips from the pros

    Bankrate.com » Saving Money
    Jean Chatzky
    9 Jan 2015 | 2:20 pm
    What advice do the stars of personal finance have about saving more and spending less in 2015? Read on.
  • Is Netflix really all you need?

    Money On Trees
    Fabio Marrama
    22 Jan 2015 | 5:00 am
    At $7.99 a month, there’s literally not much out there that can compare to alternatives like Netflix, Shomi, and Crave TV. As a first time homebuyer with little discretionary income, I simply cannot afford $80 a month on Satellite or Cable. I recently read a fantastic article in The Globe and Mail, and I have to say “when it comes to TV, Netflix is all I need”. With Netflix, I know what I’m getting – I can watch movies, TV shows and documentary’s as much as I want without any time constraints. Plus it’s all commercial free! If you’re not satisfied with Netflix, you still…
  • ABLE Accounts Offer A New Choice For The Disabled

    Wallet Hub
    Stuart Spielman J.D.
    14 Jan 2015 | 6:14 am
    Posted by: Stuart Spielman J.D. People with disabilities and their families will soon have another tool for saving. In December Congress passed and the president signed into law the Stephen Beck, Jr., Achieving a Better Life Experience Act of 2014. Modeled on the popular 529 college-savings program, the ABLE Act, as it is commonly known, will provide a funding source for disability-related expenses. Money invested in ABLE accounts will generally be disregarded for Supplemental Security Income (SSI), Medicaid, and other means-tested federal safety-net programs – a key feature for individuals…
  • How to Save Money on Your Electricity Bill Every Month

    Automatic Finances
    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…
 
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    Get Rich Slowly - Personal Finance That Makes Sense.

  • Ask the Readers: What are your best tips for interview success?

    Linda Vergon
    23 Jan 2015 | 3:00 am
    This article is by editor Linda Vergon. I have watched a number of people go through the interview process over the years. For some, it’s nerve-racking. Often, the process is mysterious: How do you know what the interviewer is looking for in a candidate? Do they want someone to fit seamlessly into their culture or do they value skill, experience, or reputation above all else? A few of my friends welcome the experience. Even if they really need the job and the stakes are high, they seem to manage the process effortlessly, making new friends along the way. What protects them from the pressure…
  • How to turn down a job offer (or resign) gracefully

    Honey Smith
    22 Jan 2015 | 3:00 am
    This article is by staff writer Honey Smith. So, you’ve done it. You’ve considered all the costs of a new job, networked your heart out, and considered all aspects of your job offer. Now you are facing one of two outcomes: Pull the trigger! Take the new job. Not good enough! For whatever reason, you’ve decided to decline the offer. Either way, someone is going to be on the receiving end of some bad news. Turning down a job offer (or even resigning from your current position) can have a long-lasting impact on your career and, therefore, your finances — so it’s…
  • The importance of financial balance — a conversation with my mom about money

    Kristin Wong
    20 Jan 2015 | 3:00 am
    This article is by staff writer Kristin Wong. It seems like an odd goal for a kid; but when I was little, I wanted to be financially secure. Of course, I didn’t put it that way. Instead, I declared, “When I grow up, I want to be rich.” Incidentally, so did my parents. I remember rolling quarters with them, while they explained to me the importance of saving. At a young age, I realized I’d need money to do many of the things I wanted to do: travel, live in the big city, and buy stuff at the grocery store without feeling guilty. “Save your money,” they told…
  • Honey Progress Report: 2014 wrap-up and 2015 goals

    Honey Smith
    19 Jan 2015 | 3:00 am
    This article is by staff writer Honey Smith. The new year is a time to look forward; but in order to do that, you need to know where you’ve been. Before I set my goals for 2015, I wanted to make sure I didn’t miss anything that happened last year. Updated reckoning for me in chart form: 2012-present Please note that I have consolidated some separate accounts of the same type into one category for simplicity’s sake. Additionally, I’ve listed our original reckoning amounts from June 2012 and updated reckoning amounts from August 2014 to give an idea of the progress we…
  • Ask the Readers: What’s the most expensive thing in your closet right now (and was it worth it)?

    Linda Vergon
    16 Jan 2015 | 3:00 am
    This article is by editor Linda Vergon. For many years, shopping for the perfect outfit was my sport of choice. I had a near-perfect excuse. To compete for the best jobs working in the most prestigious law firms in Century City, Santa Monica, and Beverly Hills, I needed to dress almost as well as the attorneys did. It was expensive, but it didn’t matter. Don’t hate me, but when the saleswoman at Nordstrom showed me a beautiful St. John’s suit, I fell in love. I don’t remember how much I paid for my one and only St. John’s back then, but it wasn’t cheap. Today, one of these…
 
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    Consumerism Commentary

  • Who Benefits From 529 Plans, the Middle Class or the Wealthy?

    Luke Landes
    25 Jan 2015 | 5:56 pm
    When I first began reading that President Obama was considering reducing the tax benefits for savers who make use of 529 plans and other education savings accounts to reduce the cost of education-related expenses, I was surprised. It has been my understanding that 529 plans, all though I do not have one, are intended to help the middle class by encouraging tax-efficient savings for education. According to the statistics on 529 plans and Coverdell Education Savings Accounts, these college savings plans have not lived up to the expectations. The middle class has mostly ignored these options for…
  • New Jersey Business Filing Services: Scam or Not?

    Luke Landes
    17 Jan 2015 | 12:58 pm
    Here’s an idea for all you people who like to “hustle” to come up with ways to earn extra income. This has happened to me many times, and it comes it many forms. So far, I haven’t fallen for what I think is at worst a scam, but sometimes, one could argue, is a legitimate way to provide a service. I almost fell for this latest attempt, however, because it involves the nonprofit organization I recently formed. This business solicited me using a fairly popular and likely lucrative technique, which is basically as follows: Receive lists from state governments that contain…
  • Prize-Linked Savings: Win Money For Opening a Savings Account

    Luke Landes
    14 Jan 2015 | 8:49 am
    Since December, federal banks and credit unions have been allowed to offer savings accounts that include a raffle element, after some states have allowed accounts like these for some time. The goal of these lottery-like accounts is to encourage more people to save money, particularly those households with low and moderate incomes. This was the single provision of the American Savings Promotion Act, a bipartisan bill signed into law by the President of the United States. How prize-linked savings accounts work. When you open an account with a certain value, you receive an entry in the raffle.
  • Is It Time to Invest in Oil? Here’s What I Did.

    Luke Landes
    12 Jan 2015 | 12:13 pm
    At the beginning of the year, I joined another investing challenge. This was sponsored by Motif Investing, who provided me and several other financial writers and bloggers $500 to invest in strategies each of us would choose. Like last year’s Grow Your Dough competition, this is a relatively short time horizon for me. In 2014, I invested in the brands behind some of the products I use the most: Microsoft, Google, Samsung, Honda, and Canon. I invested using ShareBuilder, whose $6.95 transaction fees ate away ravenously at my gains both when I bought the stocks and ETFs at the beginning…
  • 4 More Personal Finance Rules I’ve Broken

    Luke Landes
    9 Jan 2015 | 9:27 am
    A few days ago I shared four personal finance “rules” I’ve broken. So-called rules sell books because they provide a way for an author to be declarative and have solid opinions, even when these rules have been around for a long time, repeat already well-known concepts, or aren’t appropriate for everyone. Start saving for retirement when you start working. And sometimes, the ideas are good in theory, but difficult in practice. And difficulty shouldn’t be an excuse. Sometimes you have to make difficult choices. For extraordinary results, you have to do things…
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    Forbes - Personal Finance

  • Social Security Q&A: Will Social Security Disability Reduce My Pension at 62 or 65?

    Laurence Kotlikoff
    25 Jan 2015 | 6:00 am
    Today’s question asks if receiving Social Security Disability benefits will cause pension benefits to be reduced. The answer considers if this might be possible and also discusses a potential, though probably unlikely, tax consequences as well.
  • The Steak And The Sizzle Of Entrepreneurship: How Baby Boomers And Millennials Can Get Together

    Neale Godfrey
    25 Jan 2015 | 4:45 am
    For decades, I’ve worked on breaking down the financial literacy divide, bringing families the tools they need to create a generation of financially responsible children. Today, I’m getting together with young adults to bridge the divide between Baby Boomers and Millennials. Fortunately, despite our differences, we have a commonality that exists in this new economic paradigm. More and more of us are becoming entrepreneurs. So, why not work together to bring the steak and the sizzle?
  • IRS Futher Limits Deductions For State-Legal Marijuana Facilities

    Tony Nitti
    24 Jan 2015 | 8:42 pm
    The family and I went to the X Games here in Aspen this afternoon, which is all the reminder one needs that recreational marijuana is legal in Colorado. We made it through about an hour of the men's slopestyle final before the kids had inhaled enough second-hand smoke to sedate a thoroughbred, and it was time to call it a day.
  • Social Security Q&A: Will Marrying for the First Time Cost My Children Their Survivor Benefits?

    Laurence Kotlikoff
    24 Jan 2015 | 6:00 am
    Today’s question asks if children will lose their survivor benefits if their surviving parent, who was not married to their father, marries someone else. The answer explains whose record the children's survivor benefits are based on and whether the marital status of their mother has any affect on their benefits.
  • 6 Ways Sellers Can Bounce Back From A Low Appraisal

    Trulia
    24 Jan 2015 | 3:00 am
    There’s no way around it: any home purchase financed by a mortgage involves an appraisal. This is how the bank ensures that the size of the loan isn't greater than the value of the collateral (the house) needed for the loan.
 
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    Yahoo News - Latest News & Headlines

  • East Coast braces for 'historic' blizzard

    25 Jan 2015 | 3:09 pm
    New York Mayor Bill de Blasio says storm could be one of largest city has ever seen.
  • Kerry in Nigeria to warn against postelection violence

    25 Jan 2015 | 1:45 pm
    LAGOS, Nigeria (AP) — In a rare high-level visit to Africa's most populous country, U.S. Secretary of State John Kerry on Sunday urged Nigeria's leading presidential candidates to refrain from fomenting violence after next month's vote, and he condemned savage attacks by Boko Haram, an al-Qaida-linked insurgency.
  • 2 dead in shooting at NYC Home Depot

    25 Jan 2015 | 12:20 pm
    Two people are dead following a shooting at a Home Depot store in Manhattan.
  • East Coast braces for 'historic' blizzard on Monday

    25 Jan 2015 | 6:26 pm
    By Luc Cohen NEW YORK (Reuters) - A swath of the U.S. East Coast from Philadelphia to New York City to Maine braced for a potentially historic blizzard on Monday expected to dump as much as 3 feet (90 cm) of snow and snarl transportation for tens of millions of people. The National Weather Service (NWS) on Sunday issued a blizzard warning for the northern section of the East Coast from Monday afternoon until Tuesday, placing states from New Jersey to Indiana under winter storm watches and advisories. "This could be the biggest snowstorm in the history of this city," New York Mayor…
  • Two dead in apparent murder-suicide at NYC Home Depot: NYPD

    25 Jan 2015 | 2:10 pm
    NEW YORK (Reuters) - Two people were killed after a shooting in a Home Depot store in Manhattan's Chelsea neighborhood on Sunday afternoon in what appears to be a murder-suicide, two New York Police Department (NYPD) spokesmen said. One male individual, who preliminary NYPD investigations suggest was the shooter, was declared dead at the scene, Detective James Duffy said. The shooting took place around 2:45 p.m. EST, and police recovered a gun on the scene close to the body of the first victim. ...
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    My Money Blog

  • Consumer Reports Product Testing Details

    Jonathan Ping
    22 Jan 2015 | 10:51 pm
    Vox has an in-depth look at Consumer Reports, including their continued efforts at staying unbiased, rigorous testing methods, and their future financial outlook. To ensure they’re getting the same thing you’d buy at a store, they buy all of these products anonymously, at full retail price. To maintain independence, they don’t run any ads in their print magazine or on their website and don’t even allow manufacturers to trumpet positive test results in their own ads elsewhere. For many of these products, Consumer Reports is literally the only group testing this…
  • 529 Plan Tax Benefits Are Subject To Future Change

    Jonathan Ping
    21 Jan 2015 | 11:06 pm
    During the most recent State of the Union address, the President’s proposal includes removing one of the current key tax advantages for 529 college savings plans. It is important to remember that this is only a proposal and is unlikely to pass a Congress with a Republican-majority. But it does serve as a reminder that the features of all tax-advantaged accounts are subject to future change. Section 529 plans currently offer excellent tax advantages for college savings. You put in after-tax money, and that money is allows to grow on a tax-deferred basis, and as long as future withdrawals…
  • 529 College Savings Plans Now Allow Two Investment Changes Per Year

    Jonathan Ping
    21 Jan 2015 | 10:57 pm
    Here’s a quick note about a change in 529 college savings plans. Up until recently, you were only allowed one investment change per year, per beneficiary. Starting in 2015, a change in federal law means that you are now allowed two investment changes per calendar year, per beneficiary. Specifically, this is due to a provision of the new ABLE (Achieving a Better Life Experience) Act. For those that like history lessons, this Fairmark article has more background on why 529s restrict investment changes at all. Now, the rules have always permitted a change in investment options any time you…
  • Tax-Free 529 Savings Plans For Disabled Children and Young Adults

    Jonathan Ping
    21 Jan 2015 | 10:53 pm
    This won’t apply to everyone, but it could be significant if it does. I didn’t know about this until recently. The Achieving a Better Life Experience (ABLE) Act used the structure of 529 college savings plans to create similar tax-sheltered accounts for the benefit of caring for disabled children and young adults. In addition to healthcare, qualified expenses would include education, housing, transportation, and employment support. The legislation has passed, but it doesn’t look like any states have actually created plans that you can open yet. More info here. Tax-Free 529…
  • Citi Credit Cards: Free FICO Score from Equifax

    Jonathan Ping
    21 Jan 2015 | 12:37 am
    After announcing their plans last year, Citibank has starting giving out free FICO credit scores. Available to “Citi-branded consumer credit cardmembers”, visit citi.com/creditscore and log into your account to view your score. You should also find it under Card Benefits. The FICO scores will be updated monthly and are based on your Equifax credit bureau data. According to the press release, you can also request that the score be mailed to you by contacting customer service. You’ll also get: FICO® Score with two key factors impacting their score FICO® Score Meter to show…
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    The Simple Dollar The Simple Dollar

  • Want to Start Your Own Business? Focus on ‘Start’

    Joe Sweeney
    25 Jan 2015 | 10:00 am
    A business idea isn’t going to do you any good if you don’t try to put it to use. Photo: Klaus Jakob Comes Wayne Gretzky once said, “You miss 100% of the shots you don’t take.” Thinking about starting a business? The list of things you think you need to figure out before you can start is probably a mile long, isn’t it? Well, good news. You can start talking to potential customers and validating your business idea today. While most entrepreneurs get caught up in paralysis by analysis, product development, or writing a business plan, you don’t need to.
  • Top Tax Scams to Watch Out for in 2015

    Frank Addessi
    25 Jan 2015 | 5:00 am
    If you’re paying someone to prepare your tax return, make sure they’re legitimate. Photo: 401(k) Every year, Americans lose untold billions of dollars to a host of tax scams that range from identity theft to return-preparer fraud. While most of these scams can happen at any time, they tend to be most active during tax season, from January through April 15. IRS Commissioner John Koskinen urges taxpayers to “use caution when viewing emails, receiving telephone calls, or getting advice on tax issues.” The IRS has a criminal investigation unit that works closely with the…
  • Indie Coffee Shop Thrives in the Shadow of the Dunkin’ Empire

    Jon Gorey
    24 Jan 2015 | 9:00 am
    Coffee Break Cafe has managed to thrive in the birthplace of global coffee goliath Dunkin’ Donuts. Photo: Coffee Break Cafe I’m at the Coffee Break Cafe in Quincy, Mass., waiting to meet the shop’s co-owner, Jenn Ormond. The line was five deep when I got here, so I figured I’d sit down and wait for the rush to die down before ordering a coffee. That was almost an hour ago, and I’m still waiting for a lull. The people just keep pouring in. That’s a good sign at any business, but it’s even more impressive here. Quincy is the birthplace of two presidents and one…
  • Overcoming the Whitewashing of Your Past to Improve Your Financial Decisions

    Trent Hamm
    24 Jan 2015 | 6:00 am
    As we get older, we tend to distort our memories in favor of the choices we made. Photo: Kevin Dooley It took me a long time – most of a year, in fact – to come to terms with the fact that I spent most of my early professional life making horrible financial decisions and pretty mediocre career decisions. I wasn’t exactly lacking in evidence in either department, to tell the truth. One only had to look at our financial state in early 2006 to see the reality of our poor financial choices. We were facing a ton of credit card debt, student loans, two car loans…. and all…
  • Four Surprisingly Simple Ways to Reduce Stress

    Allison Martin
    24 Jan 2015 | 4:00 am
    Don’t get wigged out about stress! There are easy ways to dial it down. Photo: Emergency Brake Five years ago, I was introduced to the concept of good and bad stress, or eustress and distress. This transformed my outlook on stress. As a busy mom and entrepreneur, I’m well aware of the negative consequences of stress. At one point, I was so overwhelmed that I thought it was completely normal to remain in a constant state of distress just to get through the day. Once my health took a turn for the worse, I quickly realized I needed more than the daily meditating and yoga sessions.
 
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    逆援助交際ができる逆援助交際掲示板

  • 優良出会いサイト 逆援男が逆援交する方法

    ssed
    18 Jan 2015 | 10:44 pm
    ?現在スマホを所有しちょるのなら、手始めに出会い専門の掲示板を利用してみてください。いわゆる出会い系サイトに比べて、やってみるまでの敷居が低いので、挑戦しやすいはずやっちゃが。…
  • 優良な逆援助交際男 逆援交 個人事務所

    ssed
    18 Jan 2015 | 10:44 pm
    ?近頃はそれまでとは異なり、インターネット使用の難易度が低くなって、珍しかったインターネット上の出会いけんどん、最近じゃあてげ当然のこつになったのやっちゃが。…
  • 優良な逆援助交際サイトを教えてください男 逆援交 優良 体験記

    ssed
    18 Jan 2015 | 10:44 pm
    ?とりわけメールのやり取りについては、しっかりと学習しておくとじーいやろう。勉強したつのと不勉強なままとは、雲泥の差やっちゃが。あんた自身の必要としちょる出会いテクニックけんどん、次々にスキルアップしていくこつやろう。 実はあんたと相違なく、本気でとにかく「出会いを!」なんて苦しみ続けちょる方から、「友人を増やしたつい」という感じの人まで、男性もおなご性も多くの人が存在します。…
  • 裏逆援交掲示板 大阪男が無料の逆援助サイト

    ssed
    18 Jan 2015 | 10:44 pm
    ?おなじみのお見合いイベントであんとか合同コンパじゃったり、近頃じゃあインターネットを使ったSNSなどげんかで友達になった人物にじーる、いわゆるオフ会などげんかも絶好の出会いの場としてかいよ、けっこげん利用されちょるごつやっちゃが。…
  • 優良の逆援助交際のサイト男 逆援校

    ssed
    18 Jan 2015 | 10:44 pm
    ?いわゆる無料出会い系サイトと言っても、利用料0円なのは登録費用のみとなっていて、使う際には費用がかかった等といったっちゃわー業者も多いごつやっちゃがし、じゃあしたつ事に意識が回らんと後で泣きを見ます。 婚活掲示板の掲示内容がどんげいったっちゃわー雰囲気なのかは、わずかに眺めたのみじゃあつかめません。現実的に出会いを願う人が登録しちょるのかについては、使ってみなければハッキリしません。…
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    Wise Bread

  • Best Money Tips: How to Waste Less Food (and Money)

    Amy Lu
    23 Jan 2015 | 12:00 pm
    Welcome to Wise Bread's Best Money Tips Roundup! Today we found some great articles on ways to waste less food, things that are cheaper at Trader Joe's, and the characteristics that successful people share. Top 5 Articles 10 Ways to Waste Less Food (and Money!) — Learn what freezes well....
  • Best Deals for Friday 01/23

    Amy Lu
    23 Jan 2015 | 11:08 am
    Link for teaser title:  http://www.wisebread.com/bestdeals/today Kohl's Great Big Weekend Sale: Up to 75% off, Men's & Women's Jackets at Target: Up to 65% off (from $7), Foot...
  • 5 College Degrees Not Worth the Money

    Damian Davila
    23 Jan 2015 | 10:00 am
    Confucius advised people to "choose a job you love, and you will never have to work a day in your life." If you have a passion for a specific field, it can make sense to pursue a college degree. In theory, your degree should provide you a competitive advantage and make you more...
  • 8 Questions to Ask Yourself to Help You Declutter

    POPSUGAR Smart Living
    23 Jan 2015 | 8:00 am
    Stop making excuses and clean up the clutter in your home! It'll make you feel better and make your living space look better as well! Ask yourself these questions and get rid of your items based on your answers. And when we say dispose of your clutter, we mean either sell it, donate it, recycle...
  • Why Taking Social Security Could Cost You Thousands

    Keith Whelan
    23 Jan 2015 | 6:00 am
    I recently attended a weekend barbecue with some neighbors, and at one point the conversation shifted from the usual topics — family updates, local news, sports, and politics — to retirement. Strangely enough, it was raised by a friend's daughter, Barbara, who is in her early 30s. I was...
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    Bargaineering

  • Life’s more expensive for women … Here’s how I fight financial discrimination

    Ingrid Case
    19 Jan 2015 | 12:00 am
    Ingrid CaseI’ve just purchased a new pair of men’s boots. I’m a woman, so I suppose that these boots are women’s boots now, because I own them. But they were designed for and marketed to men. I own a lot of men’s stuff: my winter coat, razor, deodorant, sun block, and running shoes, to name just [...]Life’s more expensive for women … Here’s how I fight financial discrimination from personal finance blog Bargaineering.com. This blog was posted by Ingrid Case
  • New ways to make extra money

    Julie D. Andrews
    12 Jan 2015 | 12:00 am
    Julie D. AndrewsMost of us would love to start the new year with a little more walking around money. Well, one of the few benefits of the financial crisis and recession is that it brought out the entrepreneurial spirit of throngs of Americans and the development of the sharing economy. Why not cash in on the wave [...]New ways to make extra money from personal finance blog Bargaineering.com. This blog was posted by Julie D. Andrews
  • ‘Pay As Your Earn’ gets lots of attention, but it isn’t the best way for many of us to repay our student loans

    Ingrid Case
    5 Jan 2015 | 12:00 am
    Ingrid CaseWhen I was a new college graduate, I owned $10,000 in federally subsidized student loans. I paid them off the boring way: I wrote a check every month. Then I took a bit of time off from my repayment schedule when I was unemployed. Eventually I wrote a bigger check and I was done. Since [...]‘Pay As Your Earn’ gets lots of attention, but it isn’t the best way for many of us to repay our student loans from personal finance blog Bargaineering.com. This blog was posted by Ingrid Case
  • 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
 
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    James Clear

  • 6 Famous Artists Talk About What It’s Like to Overcome Fear and Create Beauty

    James Clear
    22 Jan 2015 | 9:35 pm
    Long before I was publishing articles for the world to read, I wrote in a private document. I did this for more than a year. There were a variety of reasons and excuses that I used to rationalize why I wasn’t sharing my writing with others, but in many ways it boiled down to fear. Here’s what I didn’t realize at the time: fear isn’t something that must be avoided. It is not an indicator that you’re doing things wrong. Fear is simply a cost that all artists have to pay on the way to doing meaningful work. Obviously, not everything that is thought or written or created needs…
  • Mental Models: How Intelligent People Solve Unsolvable Problems

    James Clear
    19 Jan 2015 | 9:23 pm
    Richard Feynman won the Nobel Prize in Physics in 1965. He is widely regarded as one of the greatest physicists of all-time. (He was a pretty solid bongo player as well). [1] Feynman received his undergraduate degree from MIT and his Ph.D. from Princeton. During those years, he became known for waltzing into the math department at each school and solving problems that the brilliant math Ph.D. students couldn’t solve. Feynman describes why he was able to do this in his fantastic book, Surely You’re Joking Mr. Feynman! (one of my favorite books that I read last year). One day [my high…
  • Joseph Brodsky Explains Perfectly How to Deal With Critics and Detractors in Your Life

    James Clear
    15 Jan 2015 | 10:12 pm
    In 1962, a young man named Joseph met a woman named Marina. They lived in Russia together. They shared a passion for art. He wrote poetry. She created paintings. They fell in love and had a child together. It was shaping up to be a good life until one day in 1972, the Soviet officials came knocking at the door. They stormed Joseph’s apartment, took him captive, tossed him on a plane to Vienna, and informed him that he was exiled from the Soviet Union. He never saw Marina again. Anti-Soviet Joseph was Joseph Brodsky, the famous poet. He won the Nobel Prize for Literature in 1987. His poetry,…
  • Reducing Stress: What Scientists Learned From the Children Who Survived a Famine During the Deadliest War in History

    James Clear
    12 Jan 2015 | 4:13 pm
    There was nothing left to eat. The butter had disappeared in October. By November, adult food rations had been cut to 1000 calories per day. A few months later, in the dead of winter, rations dropped to 500 calories per day. Food stocks throughout the country were empty. If you were lucky enough to have food ration coupons, you could get 100 grams of cheese every two weeks. Meat was a fantasy. By April of 1945, each person was limited to 1 loaf of bread and 5 potatoes — for the entire week. [1] It was the middle of terrible famine known as the Dutch Hunger Winter. World War II was nearing…
  • Never Check Email Before Noon (And Other Thoughts on Doing Your Best Work)

    James Clear
    8 Jan 2015 | 8:48 pm
    Dana Vollmer did not have an easy road to the Olympics. Vollmer is an olympic swimmer, but it wasn’t just the grueling practice schedule that made her journey to the top difficult. At the age of 15, Vollmer discovered that she had a heart disorder known as long QT syndrome. She had heart surgery later that year, but the operation didn’t eliminate the risk of heart failure. (Even today, her mother watches swim meets from the stands with a defibrillator between her feet.) When Vollmer finally qualified for the Women’s 100m butterfly at the 2012 Olympics in London, it was her heart that…
 
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    Personal Finance Advice

  • California DMV Reconsiders Commercial License Plates for Uber, Lyft and Sidecar

    Lilian Nwa
    25 Jan 2015 | 10:26 am
    Uber is an app-based taxi company founded in 2009, which operates in over 200 cities and 53 countries worldwide (and counting). Use of the company’s app allows people to send ride requests, which the company then forwards to its drivers. … Continue reading →
  • Study Says Pregnant Women Eating Ocean Fish Can Be More Beneficial than Harmful

    Lilian Nwa
    24 Jan 2015 | 8:37 pm
    For years, women have been told to avoid eating ocean fish during pregnancy over fears of mercury contamination. However, a new study published in the American Journal of Clinical Nutrition (AJCN) on Jan. 21 has provided evidence that the benefits … Continue reading →
  • A Lock of Hair from President Lincoln Fetches $25000 at Auction

    Lilian Nwa
    24 Jan 2015 | 8:21 pm
    The body parts of dead celebrities have been stolen or auctioned off for large sums of money. According to Fox News, examples include Albert Einstein’s eyes, Oliver Cromwell’s head, Galileo’s fingers, Beethoven’s ear bones and many more celebrities and body … Continue reading →
  • eSight Gives Legally Blind Mom a Chance to See Her Baby for the First Time

    Lilian Nwa
    24 Jan 2015 | 2:32 pm
    While some scientists and entrepreneurs invest in medical innovations such as stem cells and other such biologically based therapies to restore sight, others are focusing on technological breakthroughs to enable the blind to see. eSight is one such company focusing … Continue reading →
  • What Are Stock Options?

    Lori Kelley
    23 Jan 2015 | 11:09 am
    Have you heard of trading options, but are unsure what that entails? If you’ve always wanted to ask, “what are stock options?” this article is for you. To many people, trading stocks means one very specific thing. It entails buying … Continue reading →
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    Mighty Bargain Hunter

  • Save money by talking through purchases, big and small

    John Wedding
    14 Jan 2015 | 10:43 pm
    It’s a good idea to talk through big purchases (with your spouse, or with a knowledgeable friend) carefully before buying.  The bigger the purchase, the more discussion there should be.  You can save money and avoid costly mistakes with discussion. I learned a lesson recently about not doing this with a smaller purchase.  It cost me a couple of hours and $30.  Here’s what happened. Frozen chickens don’t lay eggs My wife has gotten a reputation in our local circles as being “the crazy chicken lady.”  We now have not one, but two coops for our eleven…
  • 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…
 
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    My Open Wallet

  • Happy New Year!

    Madame X
    5 Jan 2015 | 6:30 am
    I can't believe it's 2015, and 3 months have gone by since I last posted. Resolution #1 is to get back in the habit of writing more! I fixed some problems with the site template that had been bothering me for a while, so maybe that will encourage me to stop by more often. So what's new? Here's a few broad strokes. My mom has her house on the market. After a few months, she hasn't had any bites. She missed the best time of year last spring when families would have had a chance to close the deal in time to get their kids in the local school by the start of the fall. Also, the house is probably…
  • Spending in a Fog

    Madame X
    27 Sep 2014 | 12:41 pm
    I went to Home Depot the other day to buy a plant as a gift for someone. I figured I could find something inexpensive but cheerful there. But I have been very leery of Home Depot since hearing about their credit card data breach, and the questionable cyber-security practices that led up to it, so I went there fully intending to pay cash for whatever I bought, and wondered if I would see other customers doing the same. I browsed the plant section a bit, and took note of various prices, but then started to focus more on the kind of care the plants needed and whether the leaves were in good…
  • Quicken for Mac 2015

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

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

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

  • Did Patriots Scam the NFL with DeflateGate? (And what we can learn from this)

    Lazy Man
    24 Jan 2015 | 10:51 am
    Yes that title was specifically constructed with my recent Friday scam-investigating articles in mind. Sorry, but I hope you'll forgive me when we get to the learning section. When I started this website in May of 2006, I wrote: "You can expect Lazy Man and Money to be about 85% money, 5% technology (hey, I'm a software guy), 2% health, 5% random soapboxing, and 3% "zany"-ness. Maybe we'll up that zany as time goes on." I'm going to cash in my random soapboxing and zaniness credits with this article. I hope to do it in a way that is educational and fosters critical thinking. From a money…
  • Let’s Discuss Obama’s 529 Taxation Plan

    Lazy Man
    21 Jan 2015 | 6:30 am
    I've been reading a number of articles on President Barack Obama's proposal for 529 plans. Some of the articles I've read include: The Slate, Vox, and Market Watch. I watched the State of Union in part to hear from the horse's mouth what this was all about. Unfortunately, the address was so general covering so many topics that it wasn't specifically addressed. The proposal, as best I can tell, is the following: Currently, savings for college in 529 plans are not taxed when they are withdrawn. The proposal is to tax 529 plan withdrawals as income as using that money to provide free community…
  • Save Money on Your Next Premium Windows Laptop

    Lazy Man
    20 Jan 2015 | 6:30 am
    Nearly two years ago, I made a crazy computer purchase buying my first Ultrabook an Asus Zenbook UX31A. At around $1000, it wasn't cheap, but it was a bargain compared to the prices for a 13" MacBook Air. I've waited for the prices to come down, but an interesting thing has happened. They haven't. That's a little unusually in the world of laptops. It seemed like the older models just got discontinued and vanished. I kept an eye out for used ones in hopes of scoring a good deal to update my wife's computer. There weren't a lot to be found. It's still a mystery of what happened to all those…
  • Is FG Xpress a Scam?

    Lazy Man
    16 Jan 2015 | 6:30 am
    In November of 2013, I got an email from Kris Spears who identified herself as a ND and ACN about a company called FG Express. She was promoting a product called Xpress Strips. Her LinkedIn page is here. I'm not sure what the ACN abbreviation means (I've been looking), but ND seems to be short for Naturopathic Doctor. Before we go very far, I want to state that a respected medical journal write about Naturopathic Doctors: "Their training, however, amounts to a small fraction of that of medical doctors who practice primary care. An examination of their literature, moreover, reveals that it is…
  • This Man has a $100,000,000 IRA – Here is the Secret to his Success

    Guest Poster
    14 Jan 2015 | 4:00 am
    [Editor's Note: The following is a guest post from Kirk Chisholm is a Wealth Manager and Principal at Innovative Advisory Group. I met him at this year's FINCON personal finance blogger convention. He has unique expertise in an very rarely covered area of investing... the self-directed IRA. Fortunately, he agreed to share some this expertise with readers of Lazy Man and Money.] His self directed IRA is worth over $100,000,000 I’ll bet your first thought is that this headline is an exaggeration. In fact, it isn’t. There is at least one person who has accomplished this feat with their IRA…
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    No Credit Needed

  • Top 10 Ways To Save Money

    NCN
    8 Jan 2015 | 5:29 am
    Looking for some ways to save money?  How about ten ways?  Cool.  Check out my Top 10 Ways To Save Money – Click the links to read individual articles about each tip! Number 10 – Cook and Eat at Home Eating out is expensive, especially for families.  Shop wisely for groceries and eat at home. Number 9 – Give Up Hobbies This can be a tough one, but giving up hobbies (at least temporarily) can save some serious cash. Number 8 – Purchase Fresh Produce Shopping locally, in-season, can result in some real savings. Number 7 – Get Fit This one is tough for me.  I…
  • Paying Off Our Mortgage Early – Update With Chart

    NCN
    7 Jan 2015 | 7:33 am
    My wife and I financed the purchase of our new home five years ago.  We are working hard and paying off our mortgage early.  Our goal is to own our home in less than ten years. I use a simple pie-chart to track our progress. Having a visualization keeps us motivated and excited about the progress we are making. We purchased our home in February of 2010. Hopefully, we’ll pay it off in less than 10 years – which is our stretch goal – but as of right now, we have shaved 6 months off of the length of the loan. Our progress was slowed, just a bit, when I changed jobs, but we are back –…
  • A Super Simple System To Organize Bills And Paperwork

    NCN
    4 Jan 2015 | 12:17 pm
    I have been using this super simple system to organize bills and paperwork for years.  I like this system because it only takes me a few minutes to either file or find bills or paperwork. I can file an entire month’s worth of bills and paperwork in less than five minutes.  Like I said, this system is super simple. Some our bills arrive via email, but a number of them still arrive via regular mail.  Here’s how we manage our bills, paperwork, and receipts – The Setup - I use one letter tray and one expanding file box. That’s it. I’ll create a label for each tab…
  • Organizing Our House For The New Year

    NCN
    29 Dec 2014 | 6:42 am
    Taking a lesson from the list-making Mrs. NCN, here’s what I want to get done, this week, before the kids head back to school – Organize Large Storage Spaces We have four large storage spaces – our shed, our attic, our garage, and our laundry room.  The shed serves as a mini-workshop and storage space.  We like to keep our garage nice and neat, with a small area dedicated for storing kids’ bikes and outdoor toys.  The attic has room for storing items like our Christmas tree.  The laundry room has a large, tw0-door storage cabinet, for keeping items like detergent,…
  • Getting Ready For A New Financial Year

    NCN
    22 Dec 2014 | 6:30 am
    I’ve taken the time today to do a little financial housekeeping, getting ready for a new financial year. I reconciled the balances in our various checking and savings accounts.  All checks written have cleared and transactions have posted.  If you are a financial nerd like me, you know that’s awesome. I then updated our inventory of financial accounts - taking the time to update account passwords and website information.  The inventory is designed for my wife, so that she would have a snapshot of our finances, should something happen to me. After that, I took a peek at our…
 
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    Bostongal

  • Naruto Shippuden Episode 397 Subtitle Indonesia Naruchigo

    Adiedonie MaxAliyanto
    24 Jan 2015 | 12:48 pm
    Download Video Anime Naruto Shippuden Episode 396 397 Subtitle Indonesia Naruchigo - sekarang akan bagikan sebuah video anime yang keren yaitu Naruto Shippuden Episode 396 , 397 Subtitle Indonesia Naruchigo bagi anda para pecinta anime loverz dan semua pecinta anime pasti sangat menunggu anime ini, anime terbaru dari film anime Naruto Shippuden Episode 396 , 397 Subtitle Indonesia Naruchigo akan kami share disini.Download Naruto Shippuden Episode  397 Subtitle Indonesia NaruchigoDownload Naruto Shippuden Episode 396 , 397 Sub English NaruchigoDownload Naruto Shippuden Episode…
  • Download Film Baru Insidious: Chapter 3 (2015) Bluray

    Adiedonie MaxAliyanto
    21 Jan 2015 | 3:10 pm
    Review Film Insidious: Chapter 3Kisah 'Insidious Chapter 3' bercerita sebelum keluarga Lambert belum dihantui seperti yang terjadi pada serial sebelumnya. Mengisahkan sebelum Elise Rainier (Lin Shaye) tewas dan menjelma menjadi hantu.Saat masih hidup, Elise adalah seorang paranormal yang dimintai bantuan untuk melakukan kontak dengan roh orang mati. Tapi entah kenapa, Elise seperti seperti ragu  untuk menggunakan kemampuannya menghubungi orang mati. Kemampuan itu bertujuan untuk membantu seorang gadis remaja (Stefanie Scott) yang tubuhnya dijadikan sasaran roh jahat.DOWNLOAD HERE
  • Download Film Big Hero 6 (2014) Bluray Subtitle Indonesia

    Adiedonie MaxAliyanto
    21 Jan 2015 | 3:08 pm
    Download Film Big Hero 6 (2014) TS Subtitle Indonesia - Download Film Movie Big Hero 6 (2014) TS Subtitle Indonesia Terbaru Update! , Kali ini Mimin mau berbagi Film seru Nih jika kalian melewatkan film ini Mungkin saja kalian menyesal seumur Hidup (Kidding) . Oke ayo Cekidot kawan .Informasi Film Big Hero 6 (2014) TSInfo Name : Big Hero 6 (2014) TS Subtitle IndonesiaRelease Date: 7 November 2014 (USA)Genre: Animation | Action | AdventureStars: Ryan Potter, Scott Adsit, Jamie ChungQuality: TSEncoder: SHQ@GanoolSource: TELESYNC XViD AC3-SiMPLESubtitle: Indonesia,…
  • Download Korean Drama Shine or Go Crazy + OST Subtitle Indonesia

    Adiedonie MaxAliyanto
    19 Jan 2015 | 10:03 pm
    Download Shine or Go Crazy subtitle indonesia yaitu drama korea terbaru 2015 dari channle MBC yang meraplace drama Pride and Prejudice yang sudah tamat minggu kemarin. Drama ini akan disiarkan malam ini pada tanggal 19 januari 2015 dan bila tidak ada tunda-menunda akan berakhir di episode ke 24 pada 7 april 2015 dan untuk jadwal tayangnya, setiap hari senin dan juga selasa pukul 10 malam waktu setempat. Drama yang didasarkan dari novel online ini diarahkan oleh sutradara specialis MBC (kemungkinan dikontrak) yang bernama Son Hyeong-Seok (Personal Taste, Two Weeks) dan ditulis oleh penulis…
  • Download Film Baru Dewasa 18+ Terbaru 2015

    Adiedonie MaxAliyanto
    19 Jan 2015 | 10:02 pm
    Film Adegan Dewasa Khusus 18 Tahun | Kali admin akan bagikan khusus bagi sobat yang sudah berusia diatas 18 Tahun yang tentunya memang sedikit berbau Porno Grafi yang berjudul Video Dewasa Khusus 18 Tahun Keatas yang tentunya menjadi hiburan tersendiri buat anda yang ingin menghibur diri atau sekedar ingin bersantai sambil menikmati Film Dewasa dari kami ini. Banyak yang membuat persepsi yang berbeda mengenai Adegan Film Dewasaini ada yang bilang akan rawan menimbulkan seksualitas atau Pelanggaran Seks namun jika kita melihat dari sisi baiknya ini dapat menjadi pelajaran untuk membina…
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    Free From Broke

  • Five Ways to Use Credit Cards Without Getting Buried in Debt

    Glen Craig
    23 Jan 2015 | 3:21 am
    Everyone knows the importance of using credit cards responsibly; the issue comes down to actually using them. How do you use your credit cards to your advantage without also over using them to the point where they become a problem? Let’s face it, credit cards are extremely user friendly! Everything about them tempts you to use them even more. From generous (and often rising) credit limits, to zero-interest introductory rates, to cash rebates and rewards, to the completely self-directed nature of the credit arrangement pull us into what is probably the most cozy relationship with any kind…
  • 5 Reasons Getting a Large Tax Refund is Bad

    Glen Craig
    20 Jan 2015 | 7:45 am
    The stress of doing your taxes is over. You filed all of your forms and to your joy you’re getting back a tax refund.  And it’s a nice sized one too! It’s awesome, right? Not so fast. Getting a lump sum payout after filing your taxes feels great.  But I’m going to show you that it may not be as great as you think.  There are better ways you can use your money (and it is your money). Read On as I Tell You 5 Reasons a Large Tax Refund is Bad. 1) Your large income tax refund is an interest-free loan to the government When you get back a large refund it means the…
  • How to Put Away Savings (Just Like the Government Does With Your Money)

    Glen Craig
    12 Jan 2015 | 3:15 am
    This post is part of the TaxACT How I Save blog tour which teaches you ways to keep more money in your pocket. Last year, TaxACT saved America over $240 million on tax preparation. How much can you save? To learn more about tips and strategies on saving, click here. I save my money just like the government does. You can too! Want to know how? Read on an you’ll see how you can put money aside just like the government. It’s a super simple way to get your savings growing and what’s great is it requires very little effort on your part. This is a technique I’ve…
  • Your Guide to Setting SMART Goals For Your Finances and More

    Glen Craig
    5 Jan 2015 | 3:56 am
    It’s that time of the year where people start fresh and make new goals, many of those are financial. But did you know that according to a 2007 survey by British psychologist Richard Wiseman, 88% of resolutions end in failure? We tend to try to do too much with little willpower to achieve our resolutions.  We need systems to help us along. SMART Goals is one such system. One way we can help ourselves to success in our resolutions and goals is to make them S.M.A.R.T. – Specific, Measurable, Attainable, Relevant, and Time-Bound. The following guide will walk you through SMART goals so…
  • Don’t Let Your Goals Fizzle Out! – 5 Reasons Goals Fail, and What You Can Do To Make Yours Succeed

    Miranda
    26 Dec 2014 | 6:31 am
    It’s become a yearly ritual for many: Set ambitious goals for the New Year, tackle them enthusiastically for a few weeks, and then give up on them completely by March. This is a vicious cycle that encourages you to feel bad about yourself, and feel as though you’ll never get out of your rut. Whether you are setting goals for your finances, or whether you are attempting to substantially improve your life, the yearly attempt (and subsequent failure) associated with resolutions can be frustrating. If you’re ready to break the cycle, it helps to understand why you fail, and what…
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    Blogging Away Debt

  • More Interview Questions

    Ashley
    23 Jan 2015 | 10:04 am
    First, I just want to say thank you for all the great comments and feedback on the vasectomy post! There’s no immediate rush to make a decision TODAY, so I think we’re going to take a little time still, but its been great to hear your experiences and thoughts on the matter! I know you’re all probably getting really sick of hearing about my interview again and again. If you’re new or need a refresher to jog your memory, check out this post first so you have some context of what I’m talking about…. So my interview (the “real” interview) is…
  • Vasectomy or Vasecto-nope???

    Ashley
    22 Jan 2015 | 5:00 am
    Can we talk about something a little more…errr, personal today??? If you’re a newer reader, my husband (32 yrs.) and I (31 yrs.) have twin 2.5 year old daughters. We love them oh so much and our roles as parents. Buuuuut, we don’t want to do it over again. This is something that we’ve thought a LOT about in the past few years. From the beginning husband has always been fairly certain he does not want more children. I wavered a bit more. When the girls were infants I was firmly in the NO MORE KIDS camp. Then around their first birthday I thought….maybe we might try again at some…
  • Getting Organized – Finance Style

    Hope
    21 Jan 2015 | 11:38 am
    When I was married, I managed the books for both of our businesses, did all his payroll, paid all the bills both business and personal, filed all our taxes and was obsessive about keeping my Quickbooks and Quicken files in balance.  I knew where every dime was, when every bill was due, everything.  It was a daily task for me, and by daily, I mean daily.  Fast forward six years almost seven years… I’ve not maintained a Quicken/Quickbooks file at all.  Yes, on a couple of occasions, I would get it set up, do all the set up to synch my accounts and then promptly and completely…
  • The Cost of Education

    Hope
    21 Jan 2015 | 9:36 am
    As we enter the final months of this school year, which always makes me antsy for the freedom of summer, I am starting to evaluate our school methods, curriculums, plans, goals and more importantly now, costs.  In April, all four kids will go through evaluation testing as a means of “proof of progress” which is what our state requires from homeschoolers.  The cost for this testing for all four will be right around $100 and give me a pretty clear picture of where they stand on all state mandated (requirements for graduation) courses, but of course, does not evaluate all the…
  • Weekly Debt Update #1

    Matt
    20 Jan 2015 | 3:07 am
    Hey everybody! I’ve been doing some thinking and since I update my personal debt numbers on a weekly basis and tally my budget numbers, I’dd the same here. I give the run down of my week of week from what I paid on debt to what I spent. So on Wednesday I got paid $924 (my normal $847.50 plus milage reimbursement for driving). I pay my electric bill on the 2nd week of each month which was $99.70. After I paid myself $70 for whatever gas and groceries (I tend to buy dog food and chicken to help out my girlfriend). This week I was able to make a payment of $752.93 on my Sallie Mae…
 
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    Clever Dude Personal Finance & Money

  • Clever Posts Of The Week – January 23rd

    Brock
    23 Jan 2015 | 6:41 am
    It’s that time of the year when my wife and I start to get that cleaning and organizing itch.  Football season is about over with just the Super Bowl remaining, which means I won’t be firmly planted in my favorite chair watching games all day on Sunday.  We have some storage closets that desperately need some attention.  That also means a few loads to the dump and also throwing up some Craigslist ads to sell gently used items we just don’t want in our home anymore.   How about you, Clever friends, has the cleaning and organizing bug bitten any of you lately? If not,…
  • Copper Wear TV Ad Is Too Good To Be True

    Brock
    21 Jan 2015 | 4:59 am
    The narrator talks fast, makes outrageous promises, then throws a special offer at you if you, “Act Now.” It’s the familiar template of the typical 30 second TV ad trying to get you to buy a product over the phone, or if you’re lucky from a website. I have to admit, some of the products look kind of cool, but I would never buy one until I did a little research, or even better yet was able to check out the product live. One such ad has been catching my eye as of late, however. Maybe you’ve seen it too, it’s the one for Copper Wear compression products. They make…
  • AT&T Deceptive With Data Plan Promotion

    Brock
    19 Jan 2015 | 2:49 am
      Image courtesy of Stuart Miles at FreeDigitalPhotos.net Good customer service, integrity and transparency in dealing with customers are important to me. If a company treats me right, they get my loyalty and my continued business. AT&T has been our mobile phone carrier for a little over two years now and I’ve been generally happy with the experience. Unfortunately, something this weekend made me question whether AT&T deserve my loyalty. Late last year, we had consumed nearly our entire mobile phone data plan with almost two weeks left in the billing period. Instead of…
  • Clever Posts Of The Week – January 16th

    Brock
    16 Jan 2015 | 4:55 am
    My wife and I are in a group of 5 other couples that have a potluck once a month.  The location rotates, the host picking the theme of the food and the other couples bringing a appetizer, side dish, or desert that supports the theme.  It’s a way to force us out of our comfort zones to try different foods, and it’s a heck of a good time.  This weekend it’s our turn to host.  The theme is “Cheese,” with everyone having to come up with a dish that has some sort of cheese in it.  I’m firing up my smoker to make a pork fatty (basically ground pork rolled up…
  • Fast Care Medical Clinics Live Up To Their Name

    Brock
    14 Jan 2015 | 4:07 am
    Image courtesy of imagerymajestic at FreeDigitalPhotos.net The winter cold and flu season has hit my wife hard. Recently, she was down for several days battling the flu. Unfortunately, just as she was getting back on her feet, she caught a cold. She fought her way through a couple of days treating it as a minor annoyance, however she woke up Monday totally drained of energy, a sore throat, and her chest and sinuses congested. Fearing she had strep throat, she wanted to seek medical attention. This declaration instantly gave me visions of sitting in our primary care physician’s waiting…
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    Don't Mess With Taxes

  • Capital gains gain in income reporting, but tax hike unlikely

    skbell1
    25 Jan 2015 | 5:03 pm
    The 2015 tax filing season is underway and for most of us, that means detailing our wage income on our 1040s. While workers' pay still is the dominant type of income reported to the Internal Revenue Service, a recent Tax Policy Center analysis notes that wages and salaries have lost some of their dominant share over the past six decades. From 1952 through 2012, write Roberton Williams and Lydia Austin in the Dec. 22, 2014, issue of Tax Notes, capital gains and other nonbusiness income have grown in relative importance. Here are the income sources reported by taxpayers back in 1952: 80…
  • TurboTax apologizes, offers $25 product refunds

    skbell1
    24 Jan 2015 | 6:32 am
    If you used TurboTax Deluxe software last year, check your email box. The maker of the leading tax preparation software is sending you a message detailing how it wants to make things right in the wake of changes that will force some users to upgrade this filing season to a more expensive version. Not only is TurboTax apologizing, it's saying I'm sorry with cash. Refund offer: Intuit, the maker of TurboTax, is offering $25 refunds to customers who had to buy a more expensive version of the company's software to complete their 2014 tax returns because of this year's software…
  • Daily Tax Tips for the week of Jan. 19

    skbell1
    23 Jan 2015 | 5:32 pm
    We made it through the first official week of tax filing season 2015! A lot of folks were champing at the bit to get their 1040s to the Internal Revenue Service on Jan. 20's opening day. Good for them for being obsessive-compulsive so prepared. Some of us, however, will need a bit longer to complete our annual tax task. Either we're still gathering all the material we need to file, or we're still searching for possible tax breaks, or both. Daily Tax Tips: Our Daily Tax Tip feature can help whenever you're ready to file, as well as suggest some tax moves to make this year…
  • IRS gets $1.3 million for Darryl Strawberry’s Mets annuity

    skbell1
    22 Jan 2015 | 11:57 am
    Super Bowl XLIX is just 10 days away. On top of the normal National Football Championship game hoopla, we've also got Deflategate. The Internal Revenue Service, however, has had baseball on its mind. The reason? This week it pocketed a cool $1.3 million to cover former Mets outfielder Darryl Strawberry's tax debts. Even cooler was how the IRS got the money. The agency auctioned off the Major League Baseball star's annuity that he received in connected with a 1985 contract extension with New York's less storied baseball club. Success at the ball park, troubles off: Almost…
  • Obama's 'won both' elections State of the Union quip, Republicans' many responses to the speech (and gibe)

    skbell1
    21 Jan 2015 | 11:47 am
    Did you watch President Obama's sixth State of the Union address last night? If not, you can catch up today. There's the fast-forward version, the #SOTU (as it was tagged on social media) in a two-minute video courtesy Bloomberg TV. You also can read the prez's prepared speech. The White House posted the transcript on Medium. There you'll find three words that had never before explicitly been part of the annual presidential address to the joint Congressional session and the American public: lesbian, bisexual and transgender. But neither of those options will give you the…
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    Money Smart Life

  • Four Ways to Lower Portfolio Risk in a Record Stock Market

    Kevin Mercadante
    20 Jan 2015 | 9:05 am
    Want a hot tip on the stock market? It’s more profitable to reduce risk at the top of the stock market than once a full-blown bear market develops. Is now the top of the stock market? We can’t know for sure, but what we do know is that the market remains in record territory, and that’s when it’s time to take steps to reduce your portfolio risk. What can you do now to lower that portfolio risk? Take some profits There’s no need to perform a wholesale liquidation of your stock portfolio if you feel the market is flying a bit too high. But you can take some profits in order to reduce…
  • How to Not Out-Live Your Retirement Savings

    Kevin Mercadante
    13 Jan 2015 | 10:38 am
    One of the biggest fears that many current retirees have is that they might out-live their retirement savings. That can be a particularly difficult problem, because once you’re retired there’s not much you can do about it. But if you’re planning for your retirement, there’s a lot you can do about a right now. Here are five ways to not outlive your retirement savings: 1) Delay Retirement This is something virtually anyone can do, as long as you are in good health. Actually, there is nothing sacrosanct about age 65 as the preferred age of retirement. The Social Security…
  • 4 Keys to a Better Life This Year

    Ben Edwards
    6 Jan 2015 | 10:09 am
    Do you have a good life? Maybe compared to some, yes. Perhaps compared to others, no. A lot of it depends on your perspective and how you measure your life. Last year I had a good life but sadly didn’t realize it until I was abducted by a UFO and held prisoner in an alien dungeon. Okay, there were no UFO’s or aliens involved in my life catalyst, just a health scare. But it did open my eyes to how I was measuring my life and the things I was taking for granted. So whether you think your life is awesome or whether it seems to suck there are a few things I wish for you next year.
  • 7 Ways to Lower Your Car Insurance Rates

    Kevin Mercadante
    29 Dec 2014 | 6:17 am
    Car insurance is one of those necessary evils in life. No one wants to pay for it, but then no one wants to be without it either. And no matter what you think about it, it’s required by state law so you must have it. But just because you have to have it doesn’t mean you can’t make it as inexpensive as possible. Like most other types of insurance this recurring cost pops up on a regular basis so cutting its costs means you’ll be saving money every time your policy is renewed.  We’ve talked in the past about a few different ways you can save on car insurance,…
  • 5 Tips for Staying Happy at Work

    Miranda
    22 Dec 2014 | 8:45 am
    No one likes his or her job all the time. Even if you have what you consider a “dream job,” chances are that there are some days that you just aren’t giving 100 percent, or days that you just don’t want to do the job. If you start to dwell on these downsides, you will eventually have a hard time sticking it out at work. Happiness in your work is one of the things that can help you relieve stress, and feel better about life in general. As a result, it makes sense to do what you can to be mostly happy with your good job, and do what you can to make an “ok”…
 
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    MoneyNing

  • How to Spend $200 on Christmas Gifts (for Everyone) by Shopping Now

    Ashley Eneriz
    24 Jan 2015 | 5:00 am
    I love Christmas, but I’ll admit that I breathed a small sigh of relief when all of the holiday stuff got put away until next year. So it’s strange to admit that I’ve already started doing my Christmas shopping for 2015. In fact, I get most of my Christmas shopping done 11 months in advance every year. Why exactly? Well for several reasons, but mostly because planning ahead saves time and money. It’s as simple as that! Here are a few of my tips for those who want to get their shopping done really early and save. Step 1: Make a Detailed List My Christmas list is…
  • Why Are You Waiting to Have Kids Until You’re Financially Stable?

    Jessica Sommerfield
    23 Jan 2015 | 5:00 am
    I read an article recently that centered around statistics that indicate Millennials (the generation born between roughly 1980 and 2000) are waiting longer to have children. One of the main reasons they give for waiting is their financial situation. Or more specifically, how much debt they’re in or how much money they want to save. More than any previous generation, Millennials are ladened with thousands of dollars in student loan debt and less initial wealth when they become independent. The plan to wait at least a few years after graduating college to pay off loans, and settle into a…
  • Costco Membership Hacks: 2 Little-Known Travel Discounts

    Travis Pizel
    22 Jan 2015 | 5:00 am
    Lodging is often the most expensive item in any travel budget. And when your whole family is traveling, not just you as a single person or couple, it can get even more pricey. But there are a few well-known discounts available when talking to a hotel representative: What is your best rate? Are you running any specials? My spouse works for a major corporation, do you offer a corporate rate? This had me thinking. Are there discounts available for memberships besides the normal AAA? My wife and I had first-hand experience with this recently and here’s what we found. In addition to…
  • How to Have Money to Buy What You Want By Creating a Value-Based Budget

    Melanie Lockert
    21 Jan 2015 | 5:00 am
    The start of a new year is a perfect time to get your financial life in order, and commit to saving more and spending less. In order to do that though, a budget (or what I like to call a spending plan) will map out your expenses and help plan for your goals. But I’ve found that sometimes budgeting is difficult — it’s a chore that seems like work and not many of us enjoy it. Spending and saving seem like meaningless line items that we strive to get by with until the next month. However, there’s one simple trick that can change your relationship with your budget and…
  • My 3-Step Plan to Boost Productivity This Year

    Miranda Marquit
    20 Jan 2015 | 5:00 am
    We all want to improve our productivity, increase our time, and have more energy for the important things — I know I do. So this year I’m particularly focusing on how I can boost my productivity. I’ve found that it’s not so much about trying to work more,but about how to work more effectively. As I’ve worked on my productivity over the last couple of years, I’ve discovered that I can do more in three or four hours than I used to be able to do in six or seven. How? The key is understanding my own tendencies, and applying principles of productivity to my…
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    Money Blue Book

  • 2 steps to making saving easier

    22 Jan 2015 | 4:37 pm
    It may still be early in the year, but if you're like me, you've already failed at a New Year's resolution (or five). I think one of the reasons so many resolutions fail is because they require that you take an action (or not take action) every single day. Saying I won't buy myself coffee every morn [...]
  • 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 [...]
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    treesfullofmoney.com

  • Delta Airline’s VIP Porsche Cayenne Shuttle Service

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

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

  • How to Make the Best of a Bad 401(k)

    Rob Berger
    25 Jan 2015 | 5:00 pm
    Investing in a 401(k) plan at work can be a lot like eating at a cheap buffet. There are a lot of options, but they’re all bad. For those trying to hard to keep investing costs down and to invest with a solid asset allocation plan, having bad options in a 401(k) or 403(b) is like finding a long strand of hair in your soup. A listener of the Dough Roller Money Podcast recently emailed me about some obstacles they were encountering with their workplace retirement plan: My name is Rasiel, I have been following your “31-Day Money Challenge” podcast series and it has been like…
  • Was Your Portfolio Designed by Rube Goldberg?

    Rob Berger
    22 Jan 2015 | 5:00 pm
    When you look at your investment portfolio, does Rube Goldberg come to mind? Goldberg was a Pulitzer Price winning cartoonist famous for drawing complicated contraptions designed to perform a simple task.  In fact, Webster’s New World Dictionary defines a “Rube Goldberg” as a “comically involved, complicated invention, laboriously contrived to perform a simple operation.” Do your investments look like this?   Investing should be simple. It’s not necessary to have a dozen or more mutual funds covering a wide range of asset classes.  Such…
  • How to Limit Taxes from Mutual Funds and ETFs–An Interview with James Rowley of Vanguard

    Rob Berger
    21 Jan 2015 | 5:00 pm
    The tax implications of mutual funds and ETFs can make the tax code look simple. Unlike investing in individual stocks, mutual funds can generate capital gains even when you haven’t sold any shares of the fund. These distributions make asset location–whether to hold certain investments in taxable or retirement accounts–critical. To help us sort through this issue is James Rowley, Senior Investment Analyst at Vanguard. In this interview we cover not only asset location, but also the nuts and bolts of dividends and capital gains generated from mutual funds and ETFs. Mutual…
  • List of Credit Cards that Offer Signup Bonuses

    Rob Berger
    20 Jan 2015 | 5:00 pm
    Credit Card signup bonuses offer significant benefits.  Many cards offer bonus miles or points worth $400 or more in statement credit.  Other cards simply offer bonus cash or free airline tickets. A reader named Ben wrote to me recently asking about these bonuses: I’ve been curious about credit card sign on bonuses for a long time. I know you’ve done podcasts about cards that currently have great rewards, but I’d like to “learn to fish”. Would you do a podcast that focuses on how to do the research yourself to find the cards that are currently offering great…
  • Interview With Herbert Moore of WiseBanyan

    Rob Berger
    20 Jan 2015 | 2:35 am
    Imagine that could use an online tool that could help you choose the asset allocation for your investments, whether in an IRA or a taxable account, reinvest all of your dividends, rebalance your portfolio as the value of your investments change, and perform even more complicated strategies, like tax loss harvesting. Now imagine that this tool is completely free. Today we’re interviewing Herbert Moore, the co-founder of robo advisor WiseBanyan. This interview was inspired by an email from a listener named Dave: I think your show is terrific. I listen whenever I’m doing the dishes or…
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    Hustler Money Blog

  • Personal Capital Free $10 Amazon Gift Card

    Hu$tler
    24 Jan 2015 | 1:42 pm
    Check out Personal Capital’s Free $10 Amazon Gift Card by linking one bank account(cannot be a credit card) through their referral program. Once you have your own account, you can refer your friends and family for an additional $10 per referral.  Similar to Mint.com, it’s a free tool account to track your balances, asset allocation and performance for all your financial accounts. The Fine Print: Giveaway hosted by Personal Capital. A user must link at least one valid financial account. Credit or debit card, PayPal and Coinbase accounts do not count towards the giveaway. An…
  • SB1 Federal Credit Union Review: $100 Checking Bonus

    Hu$tler
    23 Jan 2015 | 11:33 pm
    For residents of Philadelphia, PA, Sb1 Federal Credit Union is offering a $100 checking bonus using promo code 1FFTY. For the $100 checking account bonus, you must set up a direct deposit of at least $250 monthly and sign up for eStatements. The SB1 membership includes a Savings account with a minimum share of $5 requirement. The interest-bearing checking account includes no minimum balance requirement, Visa Rewards Check Card, and access 50,000+ surcharge-free ATMs and 5,000+ shared branches. There is no expiration date with this promotion, but it may be for a limited time only. Best Online…
  • Ebay Chevron Texaco Free $10 Gift Card Deal

    Hu$tler
    23 Jan 2015 | 5:27 pm
    Buy a $100 Chevron and Texaco Gas Card to receive a FREE $10 Promotional Gas Card for a limited time only! This offer won’t last long so buy them today to get free shipping. The Cards will ship via USPS First Class Mail (no tracking number) and you will receive an email notification when your order has shipped. Please allow 4-6 days for delivery via USPS. The Promotional Gasoline Card will have an expiration date of 2/28/2015. The expiration date will be printed clearly across the front of your Promotional Card. American Express Gift Card: Make gift shopping easy this year. Amex gift…
  • Banana Republic Coupons, Discounts, and Promo Codes: Save Up To 70%

    Hu$tler
    23 Jan 2015 | 4:21 pm
    Find all the best Coupons, Discounts, and Promotion Codes to save up to 70% Off when shopping at BananaRepublic.com. Receive 50% off sale items with code (Exp: 1/23): BREXTRA Receive 40% off full priced items with code (Exp: 1/25): BRTIME Banana Republic Coupons, Discounts, and Promo Codes A member of the Gap brand since 1983, Banana Republic is the premier popular clothing chain of over 600 stores in North America, Asia and Europe. Known for its high-end styles at affordable, mid-range prices, Banana Republic is a one-stop-shop for commercially tailored suits, business attire and cocktail…
  • Wells Fargo At Work $50 Bonus Promotion

    Hu$tler
    23 Jan 2015 | 4:11 pm
    You can now get this Wells Fargo At Work $50 checking account promotion good until January 31, 2015. The promotion is limited to only new consumer checking customers who are employed by an enrolled Wells Fargo At Work company. Tell your banker to enter promo code AWQ115 when you open the account. In order earn the $50 bonus, you must establish a qualifying direct deposit within 60 day of opening. Wells Fargo offers convenient banking features and benefits such as free mobile banking, free online billpay, free account alerts, overdraft protection, and many more. Best Online Bank Accounts…
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    Personal Finance News

  • Hyattsville, MD Addicts Find Support and Guidance Through New Recovery Hotline

    ACN Staff
    25 Jan 2015 | 9:12 am
    The alcoholism treatment hotline for Hyattsville, MD is offering advice, guidance and support for those who are serious about finding a unique recovery program. LIGHTNING RELEASES 01/23/15 — There are numerous people in Hyattsville, MD who don’t let drugs and alcohol control their life. There are others, however, who spend every day battling with the […]Hyattsville, MD Addicts Find Support and Guidance Through New Recovery Hotline was created by and is property of American Consumer News.
  • Maryland Addicts Find Support and Guidance Through New Recovery Helpline

    ACN Staff
    25 Jan 2015 | 7:10 am
    The alcoholism treatment hotline for Maryland is offering advice, guidance and support for those who are serious about finding a unique recovery program. LIGHTNING RELEASES 1/23/15 –There are numerous people in Maryland who don’t let drugs and alcohol control their life. There are others, however, who spend every day battling with the decision to abuse […]Maryland Addicts Find Support and Guidance Through New Recovery Helpline was created by and is property of American Consumer News.
  • Randallstown, MD Alcoholism treatment hotline Assisting Addicts in Recovery

    ACN Staff
    25 Jan 2015 | 3:07 am
    A new helpline for drug and alcohol users in Randallstown, MD can assist people in locating reliable substance abuse recovery. LIGHTNING RELEASES 1/23/15 –For individuals in Randallstown, MD who need help finding a reliable drug and alcohol rehab facility, a new helpline could be just the thing they’re looking for. Thankfully the helpline, which is […]Randallstown, MD Alcoholism treatment hotline Assisting Addicts in Recovery was created by and is property of American Consumer News.
  • Camp Springs, MD Addiction Hotline Assisting Addicts in Recovery

    ACN Staff
    24 Jan 2015 | 3:03 pm
    A new helpline for drug and alcohol users in Camp Springs, MD can assist people in locating reliable substance abuse recovery. LIGHTNING RELEASES 01/23/15 –For individuals in Camp Springs, MD who need help finding a reliable drug and alcohol rehab facility, a new helpline could be just the thing they’re looking for. Thankfully the helpline, […]Camp Springs, MD Addiction Hotline Assisting Addicts in Recovery was created by and is property of American Consumer News.
  • Earned Income Credit Calculator for 2014, 2015 Revealed

    ACN Staff
    24 Jan 2015 | 2:46 pm
    Author and tax preparer Frank Ellis unveils the (EIC) Earned Income Credit Calculator and important factors impacting the credit, introduced in 1975. LIGHTNING RELEASES — Jan 23, 2014 – Traverse City Tax Preparation Planner Frank Ellis has posted an article on Examiner.com which explains the Earned Income Credit Calculator. The refundable credit is available to […]Earned Income Credit Calculator for 2014, 2015 Revealed was created by and is property of American Consumer News.
 
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    Cash Money Life | Personal Finance, Investing, & Career

  • Five Reasons Why the Dow Will Probably Blow Past the 20,000 Mark in 2015

    Kevin Mercadante
    22 Jan 2015 | 7:35 am
    This article was originally published on Cash Money Life | Personal Finance, Investing, & Career at Five Reasons Why the Dow Will Probably Blow Past the 20,000 Mark in 2015. As a rule, I’m not big on predictions – mine or anyone else’s. But I’m going to stick my neck out here, and say that the Dow Jones Industrial Average will probably blow past the 20,000 mark in 2015. Feel free to disagree, but here are five reasons why. Inertia – A Rising Stock Market Has Become the New Normal Objects in motion, stay in motion – that’s inertia. And that’s been the direction…
  • When Will I Get My Tax Refund? 2014 Tax Year Refund Schedule

    Ryan Guina
    15 Jan 2015 | 12:35 pm
    This article was originally published on Cash Money Life | Personal Finance, Investing, & Career at When Will I Get My Tax Refund? 2014 Tax Year Refund Schedule. If you file your taxes with the IRS EFile, or with an tax software program that files your taxes online for you, then you are in luck – you will generally receive your tax refund much more quickly than if you file your taxes by mail. The reason is that electronic tax returns are easier for the IRS to process, making it faster for them to clear the books on your tax return and send you a refund—via either an ACH…
  • How I Save – Prioritizing Spending & Tracking My Progress

    Ryan Guina
    13 Jan 2015 | 9:14 am
    This article was originally published on Cash Money Life | Personal Finance, Investing, & Career at How I Save – Prioritizing Spending & Tracking My Progress. This post is part of the TaxACT How I Save blog tour which teaches you ways to keep more money in your pocket. Last year, TaxACT saved America over $240 million on tax preparation. How much can you save? To learn more about tips and strategies on saving, click here. There is a famous quote attributed to Peter Williams that states, “You can have anything you want. You just can’t have everything you want.” There…
  • Grow Your Dough Throwdown – Can You Beat the Stock Market?

    Ryan Guina
    9 Jan 2015 | 6:14 am
    This article was originally published on Cash Money Life | Personal Finance, Investing, & Career at Grow Your Dough Throwdown – Can You Beat the Stock Market?. Do you think you can beat the stock market? Many individual investors think they can. And some do, at least for a little while. I don’t have the illusion that I can beat the stock market over the long run. But it’s fun to try. It’s also fun to see if you can beat your friends and other investors. That’s where the Grow Your Dough Challenge comes in. 20 bloggers are throwing their hat in the ring to see…
  • Cancel Your Cell Phone Contract Without Paying Fees

    Ryan Guina
    6 Jan 2015 | 5:46 am
    This article was originally published on Cash Money Life | Personal Finance, Investing, & Career at Cancel Your Cell Phone Contract Without Paying Fees. The early termination fees that cell phone companies charge are outrageous! Most companies charge anywhere from $150-200 to cancel your contract before you fulfill the terms. In the past I got out of a cell phone phone contract with Verizon by transferring my phone number and contract to a friend. I was able to avoid the paying the $175 Early Termination Fee (ETF). There are several other ways to get out of a cell phone without paying…
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    Grad Money Matters

  • 4 Items To Bring To a Conference

    GMM
    21 Jan 2015 | 3:00 am
    Conferences are a great way to network, find new clients, learn about new ideas, and more.Personally, I am trying to find more conferences to go to because I was leave 100 times more motivated for my business than the day I showed up.It’s a wonderful feeling and I always make great contacts as well.Due to that, I thought I would create a post about the five items you should always bring to a conference.There are, of course, many other things you should bring as well, but these are the four items I always much bring in order for me to have a successful conference trip.1. Business…
  • Stop Leaving Vacation Days On The Table

    GMM
    19 Jan 2015 | 2:00 am
    Back when I worked for someone else, I constantly left my vacation days on the table. I remember one year I left a full FOUR days on the table, and they all expired on January 1st.I didn’t like taking all of my vacation days, because for some reason I felt like I would get in trouble with my employer or that they would feel like I hated my job so much that I had to use every last-minute of every vacation day that they gave me.Sounds crazy, but I am not alone.According to a recent article on CNBC, the average worker in the United States only takes 77% of their paid days off. And this…
  • Resume Tips To Help Get Your Next Job

    GMM
    16 Jan 2015 | 3:00 am
    No matter where you are in life – whether you are applying for your first job out of college, you have been in the workforce for decades, or something else – you most likely want to get your next job quickly and not have to have a long job search process.One of the first things you need to do if you want to speed up your job search process is to take a look at your resume. Your resume can greatly impact your job search, and it can determine whether you are granted an interview or not.Here are my resume tips to help get your next job:Keep your resume updated.Whether you are…
  • How To Get The Most Out Of LinkedIn

    GMM
    14 Jan 2015 | 3:00 am
    If you do not have a LinkedIn profile, then I highly recommend that sign up for a LinkedIn profile and that you get one right now, whether if you have a career or if you have your own business.I am not too overly active on LinkedIn, but I should try to log in more. Even with the little I do on the LinkedIn website, I do see good results and I am happy that I have a LinkedIn profile.With LinkedIn, you can connect with others in your industry and you may even earn a job through there. I personally have received a few job offers by recruiters and head hunters finding my account through LinkedIn,…
  • 6 Actions To Take Before You Quit Your Job

    GMM
    13 Jan 2015 | 2:30 am
    Leaving your job is a big decision to make. You might be scared, excited, nervous, happy, sad, or something else.However you are feeling, there are numerous things you might want to think about doing in order to make the process of leaving your job as smooth as possible.Here are six actions to take before you quit your job.1. Build whatever you plan on doing next on the side.If you plan on switching to a business of your own, then you should try to build your business on the side before you quit your job. This is so that you can determine if the business is even for you, and/or if the…
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    Poorer Than You

  • Net Worth Update: March – December 2014

    Stephanie
    4 Jan 2015 | 2:40 pm
    The conflict of interest that put this site on hiatus is over. The future holds a lot of updates and changes to the blog, but before we get into any of that, let’s do a post just on what happened in my personal net worth while I wasn’t writing: March: $842 (-$1,145 or -57.62%) April: $133 (-$709 or –84.20%) May: $2,818 (+$2,685 or +2018.80%) June: $3,842 (+$1,024 or +36.34%) July: $3,117 (-$725 or -18.87%) August: $5,933 (+$2,816 or +90.34%) September: $3,943 (-$1,990 or -33.54%) October: $10,272 (+$6,329 or 160.51%) November: $10,707 (+$435 or 4.23%) And currently… December: $11,681…
  • Poorer Than You is on Hiatus

    Stephanie
    31 Mar 2014 | 5:00 am
    With a heavy, conflicted heart full of mixed feelings, I’m announcing that this blog is going on an indefinite hiatus. And no, it’s not an April Fools’ joke this time – even though it turned out to be true for a while last time! Yes, I get that the timing is unfortunate and that some of you will still believe that this is an April Fools’ joke. But that’s the reason I’m publishing this post today (March 31st), to dispel most of the doubt regarding the legitimacy of this. And those of you who still believe this to be a prank, well, you’ll see when no new posts go up,…
  • Net Worth Update: February 2014

    Stephanie
    3 Mar 2014 | 5:30 am
    Prepare yourself for a lot of exclamation points, bold text, italics, and maybe even some ALL CAPS… because this is the most exciting Net Worth update in Poorer Than You history, and I’m super stoked about it. So forget about this intro… LET’S GET TO IT!!! Change: +$7,456 or +136.33% February Net Worth: $1,987 YOU GUYS. LOOK AT IT! There’s a new line! A line that indicates the difference between negative and positive! AND MY NET WORTH LINE CROSSED THAT LINE! What, what, WHAT is this, I don’t even?!? Stephanie, WHERE DID ALL THIS MONEY COME FROM?!? The obvious one: the cash…
  • How Much Should You Spend on Renting an Apartment?

    Stephanie
    17 Feb 2014 | 7:41 am
    True story: back in July, I got a notice that my rent was being raised. I’d lived in the apartment for almost two years, and they pulled this trick on me the previous year: raising my rent by $104/month. The first time, I just accepted the rate increase. After all, I’d received a sign-on deal of “$50 off each month’s rent!” when I first moved in, so it only seemed like an additional $54/month rent increase (above the deal wearing off). But after the second year, they wanted to raise it another $114/month! And actually, they offered an “alternative” as well: to install all new…
  • I Sold My Hair on Ebay

    Stephanie
    5 Feb 2014 | 5:00 am
    Do you ever look around your home, at all the varied things you own, and think “There’s just so much stuff here… I bet I could pare it down and that at least some of it would be worth some cash.” Or maybe someone (like one of us crazy personal finance bloggers) said that you can pick up some extra cash unloading some of your unused junk on eBay. It’s a nice thought, right? Get rid of something you’re not using, pocket the cash. Well, something along those lines happened to me. Sort of. Warning: If the title of this post grossed you out, you’re probably not going to like the rest…
 
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    Everybody Loves Your Money

  • 3 Things You MUST Consider Before Becoming Self-Employed

    Me
    21 Jan 2015 | 10:26 am
    Working for yourself has a lot of pros, but it’s not all rainbows and sunshine like many people make it out to be. The fact is when you’re self-employed you’ve got to put some serious (unpaid) hours in the beginning just to make a name for yourself. After that you’ve got to learn how to manage clients, set your rates, and find ample time to actually work on your business. That’s without even covering the financial aspect. So, if you’re thinking about making the plunge into self-employment here are some things you should first consider. Taxes, Taxes, and More Taxes Taxes. This is…
  • 10 Extreme Frugality Tips

    Alexa
    19 Jan 2015 | 8:00 am
    I’ve been obsessed with reading extreme frugality blogs lately. I’ve also noticed a trend: extreme frugality IS NOT about saving money, it’s about lifestyle. The people who practice these extreme frugality tips might just be some of the wealthiest people you ever meet. That’s because they build lives that are centered on other people, nature, and hobbies that make them happy, not money. They have a strong set of personal values and closely adhere to those. So, if you’re looking for extreme frugality tips just to save money these tips can help, but might not be sustainable. # 1 –…
  • Anxious About Money?

    Alexa
    14 Jan 2015 | 8:40 am
    Are you anxious about money? Do you sit up at night wondering how you’re going to pay the bills, drag yourself back into work, or retire? At one point or another we’ve all been there. However, worrying about money day and night is extremely unhealthy and you need to do put a stop to it. So what do you do? Identify the Problem What is making you so anxious? If you’re always worrying then I’m sure you already know the answer to this question. Pull out a notebook and pen and write down everything you’re worried about. Get those worries out of your head and out on paper, then you can…
  • Your Attitude Determines Your Outcome

    Alexa
    12 Jan 2015 | 9:12 am
    Over the last couple of months I’ve offered to help more than a dozen women try to find work from home jobs. However, out of those dozen there’s only one of them that I know of who has actually took my advice. From this experience and from my own growing pains over the past few years I’ve determined that it all comes down to attitude. If you think you can do something then you can surely do it. If you think your life is destined for eternal bad luck and you have the “never get ahead” mentality, then you’re never going to get ahead. If you feel sorry for your circumstances then…
  • 10 Side Job Ideas to Try this Year

    Alexa
    7 Jan 2015 | 8:24 am
    We’ve already talked about the one thing you need to do to make more money this year. However, I also realize that if you’re working a dead end job the chances that you’re going to pull in more money from that are slim to none. If that’s the situation you’re in this year then you need to look for alternative ways to make money a.ka. the side job. The Beauty of a Side Job The thing that makes side jobs so great is that you get to choose what you do. By pairing your interests and skills you can choose a job that you cannot wait to work on. And who knows, with enough time your side job…
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    CreditCards.com

  • Wary millennials thumbing noses at banks

    Kelly Dilworth
    23 Jan 2015 | 5:00 am
    Millennials are thumbing their noses at credit cards and traditional banking services, according to multiple reports, and that's making some people in the financial services industry nervous about how they're going to attract such a picky crowd. According to First Annapolis consultant Ben Brown, banks are eager to capture millennials' attention and draw them in as customers. But millennials' skeptical attitude toward traditional banking services is forcing banks to seriously rethink how they serve their youngest customers. "Millennials are a bigger and more diverse generation than the boomers…
  • Are credit bureau credit score deals worth it?

    Sienna Kossman
    21 Jan 2015 | 12:00 pm
    For many years, getting a look at your credit score for free wasn't always easy.Numerous companies offered educational credit scoring services to give you a general idea of your score and if you wanted a more accurate number, you could buy a glimpse at your credit score from one (or all) the three major credit bureaus or directly from myfico.com.However, the credit bureaus -- or even myfico.com -- are no longer the primary place to go to get a look at your credit score.Since late 2013, a handful of credit card issuers have made credit scores a complimentary (as in free!) part of cardholders'…
  • Phantom 'income' from forgiven debt leads to real tax bill

    Fred Williams
    20 Jan 2015 | 8:42 am
    If a lender forgives a debt over $600, you probably owe income taxes on it. To the IRS, a loan that you don't have to pay back counts as income. That sounds fair --- until you take a closer look at some of the so-called income that can land on your tax return. Say you are unable to make payments on a $5,000 credit card balance. The card issuer will probably wait six months before charging it off as a bad debt. In that time, late fees (at $30 a month) and penalty interest (at 25 percent APR) will add about $1,110 to your balance.Then you negotiate a settlement that erases the debt, turning it…
  • Rewarding kids with material things can backfire

    Kelly Dilworth
    16 Jan 2015 | 5:00 am
    The next time you reward your kids for good behavior, you might want to hold off on showering them with toys. According to a forthcoming study in the Journal of Consumer Research, kids who are frequently given material objects in exchange for doing well are more likely to grow up to be materialistic adults. "Our research suggests that children who receive many material rewards from their parents will likely continue rewarding themselves with material goods when they are grown," said study co-author Marsha L. Richins in a news release. That, in turn, can lead to an assortment of problems later…
  • Study: The rise and fall of financial optimism

    Sienna Kossman
    14 Jan 2015 | 12:00 pm
    "I'm young and have years ahead of me to make more money, accomplish my goals and prepare for my future." That's a sentiment I've had numerous times. Chances are you may have felt that way at one time, too, even if your early 20s are years behind you. While optimism is a good thing, it appears to be almost too prevalent among the young. Being overly optimistic about your finances can potentially hinder smart financial planning, according to a survey conducted by financial planning startup LearnVest. LearnVest surveyed 100,000 individuals and found that 6 out of 10 respondents under 25…
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    One Frugal Girl

  • No Longer Delaying Gratification: $164,000 Worth of Remodeling and Repairs!

    One Frugal Girl
    22 Jan 2015 | 2:08 pm
    Each month my husband dutifully records each and every financial transaction in GnuCash. He reconciles the checkbook and then documents the credits and debits associated with our four credit cards. Every so often I run income and expense reports to provide a snapshot of where our money is going. I usually do this on a monthly or yearly basis, but yesterday I decided to run an expense report detailing costs for repairs and maintenance over the past fourteen years. The total stands at a whopping $164,000! After many years of focusing solely on long term plans for early retirement and purchasing…
  • Could A Grocery Delivery Service Save Me Money?

    One Frugal Girl
    15 Jan 2015 | 2:25 pm
    A week or so ago my husband noticed a rip in a bag of chips that had been sitting on a shelf in our pantry. We couldn’t quite figure out what happened; did it snag while we were loading and unloading groceries, was it torn when I bought it? I wasn’t quite sure so I told him to toss it just to be safe. A few days later we found the cause: a mouse. Yup. You read that right a mouse was sneaking into the pantry at night and feeding off of whatever he could tear his little teeth into. I found a torn bag of coconut flakes and sure enough there were mouse droppings just beside it. I…
  • Paying for Storage: Does This Seem Like a Good Idea?

    One Frugal Girl
    10 Jan 2015 | 8:12 am
    For the past three years I wondered if we’d ever have a second child and if we did how much baby stuff I should keep around between now and that time. We received a lot of gifts at my baby shower and in the beginning we used each and every piece of it. The baby swing, bouncer, bathtub, rock-n-play sleeper, jumperoo, highchair, stroller and infant car seat took up residence at various places in our house and stayed there for six to nine months. There were boxes of swaddling blankets, socks and baby clothes and I wrestled with whether or not I should keep some of it, all of it or none of it.
  • My New Year’s Resolution: Focusing on Happiness

    One Frugal Girl
    1 Jan 2015 | 12:42 pm
    For the past two years I’ve maintained one and only one resolution: to accept the things I cannot change. It is easy to hold this resolve in good times and much more difficult to press on in times of distress. When a dose of antibiotics unexpectedly induced neuropathy I had a hard time accepting the cards I was given and when I failed month after month to conceive another child I certainly let my emotions get the best of me. Thankfully these major life hurdles feel like a distant memory. My second child is due early this year and for the time being my neuropathy symptoms have all but…
  • Weighing the Time-Value of Clipping Coupons

    One Frugal Girl
    30 Dec 2014 | 8:41 pm
    A few months ago I transferred a prescription from CVS to Rite Aid. This seemed like a no-brainer since the drug store is slightly closer to my house, newly renovated and much cleaner and more efficient than our local CVS. I earned $25 in UP Rewards for that transfer, which I used to buy four packs of diapers. That purchase kicked out another $20 worth of UP Rewards which I promptly used a few days after Thanksgiving. The drug stores know exactly how to rope customers into returning to their stores each week and I have certainly fallen victim to their game. I have been back to the store four…
 
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    My Dollar Plan

  • DirecTV $100 Statement Credit

    Madison
    23 Jan 2015 | 7:38 am
    DirecTV is offering a free $100 statement credit. The offer states it is for the business account, but my credit just came through today with a personal account! If you are a satellite subscriber, it’s a quick deal to try out for Free Money Friday! How to Get Your $100 Statement Credit Register a business American Express open card for the DirecTV offer by January 31, 2015. Use that same Card to sign up for DIRECTV for BUSINESS™ service by calling 1-888-707-9423 and spend $100 or more in a single transaction at time of purchase by 3/31/15 (or see the workaround for a personal account…
  • How Much Money Do You Have to Make to File Taxes?

    Madison
    22 Jan 2015 | 6:13 am
    How much money do you have to make to file taxes? What is the minimum income to file taxes? Let’s take a look at the requirements for the minimum income to file taxes in 2014 (and due in 2015). 2014 Minimum Income Requirements The IRS recently released the minimum income to file taxes in 2014. For the 2014 tax year, you will need to file taxes if your gross income meets the minimum income for your filing status and age. Here are the minimum income limits for the 2014 tax year. How Much Money Do You Have to Make to File Taxes 2014   Filing Status Minimum Gross Income (under 65)…
  • 2015 Discover It Rewards Calendar

    Madison
    21 Jan 2015 | 6:19 am
    Next up in our series of cash back calendars for planning your 5% cash back is Discover It, previously called the Discover More card. To help you accomplish your purchase planning this year, here is the Discover it cash back calendar for 2015. 2015 Discover It Rewards Calendar   1st Quarter 2nd Quarter 3rd Quarter 4th Quarter Gas Stations Ground Transportation Food Fun Summer Spruce Up (Likely Home Improvement Stores) Holiday Shopping After reviewing the Discover rewards calendar, it looks like they are waiting to roll out the actual stores each quarter. More on Discover It Calendar Cash…
  • 6 Questions to Ask Yourself Before You Make a Purchase

    Kristen
    20 Jan 2015 | 6:49 am
    We often don’t go a week or even a day without making some type of purchase. But for all of those times we make a purchase, how often do you think about it before you make it? Whether it’s a pack of gum or a new car, there are some questions you should ask yourself before making that purchase. Here are six questions to ask yourself before any purchase. (Photo Credit: Leo Reynolds/Flickr) 6 Questions to Ask Yourself Before a Purchase Is this a want or a need? Before you make a purchase, ask yourself if this is a want or a need. Wants should be further analyzed, especially if you’re…
  • TurboTax Free Federal and State Tax Filing

    Madison
    16 Jan 2015 | 6:42 am
    TurboTax is rolling out a new program this year called Absolute Zero. For a limited time only TurboTax will offer free federal and state tax filing. This is the first time that TurboTax has offered completely free filing (with no extra fees for filing your state return). The free returns apply to simple returns using the TurboTax Federal Free Edition; if you file using the Deluxe, Premier, or Home & Business versions you will still need to pay for it. It’s Free Money Friday! How to File Your Free Tax Return Start your tax return at TurboTax. File a 1040EZ or 1040A tax return. Pay…
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    My Financial Journey

  • Expenses Cut in 2014

    MFJ
    5 Jan 2015 | 5:02 am
    I’ll admit it I have become comfortable when it comes to personal finance. I did a lot of research and hard work when I was in my 20s. I soaked up all of the personal finance information I could. I was as frugal as they came and I setup my future self very well by saving $100k before I turned 30 and continued to save money into my 30s. My retirement nestegg has grown at astounding (to me) rates and to be totally honest I have not done anything new or special when it came to personal finance in the last 6 or 7 years. I spend money on luxuries and don’t really flinch like I would…
  • My All-Time Investment Performance January 2015

    MFJ
    3 Jan 2015 | 4:58 am
    Continuing on my tradition from last year I have calculated my cumulative investment returns from 2006 until now against the SP500. The good news is that I am still pretty handily beating the SP500, especially when it comes to my individual stock investments, but the bad news is that I trailed the market by a few percentage points this year. Given my massive outperformance last year I can’t be too upset about trailing by a few points. During the 9 years I have been tracking my investments closely enough to calculate returns the SP500 has produced annualized returns of 6.47%. During the…
  • Best and Worst Stocks in 2014

    MFJ
    2 Jan 2015 | 5:21 am
    Here are my top stock performers for 2014. BJ’s Restaurant (BJRI) 61.92% Ambarella (AMBA) 59.05% Under Armour (UA) 57.93% Tesla Motors (TSLA) 47.17% Intuitive Surgical (ISRG) 39.20% Apple Inc (AAPL) 37.96% Bidu Inc (BIDU) 31.19% Chipotle Mexican Grill (CMG) 28.96% Looking at the list I will point out that BJRI had made my list the last two years as a loser and it’s nice to see my patience and long term timeframe pay off with it being my biggest winner this year. Ambrella is a newer stock for me having first purchased last October and is riding the wave of video. Under Armour is a…
  • My Investment Holdings – January 2015

    MFJ
    1 Jan 2015 | 10:58 am
    In annual tradition I will list all of my investments in my retirement nestegg. In general these do not change much from year to year and I can say as much about this year. Most of the changes are due to stocks that are up and down as I do not shuffle my stocks much and my new purchases these days aren’t enough to move the needle much. The first four items in the list are my mutual funds from my 401k and the rest of the stocks are in my IRAs and my new taxable account. I feel really good about my investment choices long term and I expect to outperform the market going forward over the…
  • Retirement Nestegg Report – December 2014

    MFJ
    1 Jan 2015 | 4:47 am
    Well another close to another year and more nestegg growth – though not quite as spectacular as 2013. Overall my investment performance trailed the SP500 slightly this year, but after last year’s insane outperformance I can’t be too sad. One thing I am proud of is that I contributed the most I ever have to my retirement accounts in a single year by a significant margin. It’s sort of funny how writing out a check for $131,000 for some land would give me the financial freedom to start concentrating on my retirement accounts again. This year I contributed $43,456 to my…
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    MoneyCrush

  • Working With Passion

    Jackie Beck
    19 Jan 2015 | 4:00 am
    Here’s a quote from Ecclesiastes that’s got some major teeth: “Whatever your hand finds to do, do it with all your might, for in the grave, where you are going, there is neither working nor planning nor knowledge nor wisdom.” Can you imagine how fulfilled you would be if you really threw yourself into your work with a passion? (After all, isn’t passion what “all your might” is?) And how money might be more likely to follow as a result of that? What working with passion means While being passionate about your work doesn’t mean that everything…
  • The One Category to Drop from Your Budget Like a Hot Potato

    <a href="https://plus.google.com/103781879383456582208?rel=author">Jackie Beck</a>
    12 Jan 2015 | 4:00 am
    Ask folks creating a budget to list the categories they intend to use, and they’re almost certain to include one category that should NOT be on the list. That category doesn’t usually even have a single name, despite the fact that it could eat up anywhere from hundreds to thousands of dollars each month. So what is it? The one to drop The category to drop is probably disguised as one or more of these line items: Visa $350 Mastercard $225 American Express $980 Discover $465 MyFavoriteStoreCard $200 That’s right. Your credit cards are the one thing to drop from your budget…
  • Are You Busy, or Are You Making Progress?

    Jackie Beck
    5 Jan 2015 | 4:00 am
    It seems like there’s never enough time in the day to get stuff done. We all get busy. But the thing is if you’re constantly filling your day with tasks, are you busy, or are you making progress on your goals? Here’s how to tell the difference. What busy looks like Busy looks like this: checking email and social media sites, running around doing errands, and doing typical household tasks. Basically, busy means spending your time doing the things that will never really be done for good. They’ll be there again the next day. The truth is, nothing too terrible is likely to…
  • Two Years to Live: An Exercise in Meaningful Goal-Setting

    <a href="https://plus.google.com/103781879383456582208?rel=author">Jackie Beck</a>
    29 Dec 2014 | 4:00 am
    In Cashing In on the American Dream, Paul Terhorst suggests that we take the two-year test. He writes, …consider that the rest of your life is two years. Would you change anything? If you had only two years to live, would you continue to work where you work? Live where you live? Treat your spouse and kids the way you treat them now? See your friends as often as you do now? Travel about as much as you do now? If you answer yes to those questions, change nothing. All you have to do is retake the two-year test in six months or so. If you answer no to any of those questions — if…
  • How to Start a Side Business Today: Simplify and Go!

    <a href="https://plus.google.com/103781879383456582208?rel=author">Jackie Beck</a>
    22 Dec 2014 | 4:00 am
    You know how you get an idea and start planning away, and pretty soon you have a to-do list that’s a mile long? One that seems to mysteriously sprout additional items every time you glance at it? Well, I think sometimes we make things needlessly complicated. Take starting a side business, for example. Ask someone how to start a small business, and they’ll probably tell you to start by writing a business plan. So you look up how to do that on Google, and get directed to a 38-slide presentation with many steps and business-y sounding phases like “Company Vision” and…
 
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    Million Dollar Journey

  • The Largest Oil and Gas Dividend Stocks

    FrugalTrader
    19 Jan 2015 | 4:30 am
    Back in October 2014, oil’s decline was well underway, and I wrote about how investors can get exposure to Canada’s energy industry.  The article included strategies such as buying energy mutual funds, ETFs that index energy markets, and buying individual companies (stocks). Some readers have emailed me to elaborate on individual oil and gas dividend stocks.  At the moment, with oil trading around $50, it is a gut wrenching time to be invested the oil and gas industry.  While the big blue chip oil and gas companies are holding their own, oil and gas services companies are…
  • Growing Herbs Indoor, Clearing Christmas Clutter, Stretching to Buy a Home, Investment Options for Passive Investors and more!

    FrugalTrader
    16 Jan 2015 | 4:30 am
    If you are lacking the space for a garden or like to grow an indoor one, then Sustainable Personal Finance‘s How to grow herbs inside your home article will be beneficial to you. If you cannot distinguish between marginal and average tax rates, then Canadian Finance Blog has the right post for you: Average Tax Rate: How Much Tax Are You Really Paying?. Michael James on Money reviews Robert R. Brown’s book Wealthing Like Rabbits. Canadian Dream offers suggestions to prevent the pile of stuff we own from growing during the festive season through the post In and Out. Dividends are…
  • Net Worth Update January 2015 – Nobleea the Oil and Gas Engineer

    Guest Blogger
    12 Jan 2015 | 4:30 am
    Profile: Name: nobleea Age: 36 Net Worth: $717,634 Day Job: Engineering supervisor at large oilfield services company, Teacher (wife) Family Income: $145,000 (main job), $30,000 (part time job), $85,000 (wife main job), $10,000 (wife part time job), $14,500 (rental income before expenses) Goals: Million dollar family net worth before 40, Retirement from primary job at 50 (for me) Notes: Owns primary house. Owns tear down house across the street currently being rented. (to be torn down for new family home) We live in Edmonton where incomes are high and housing prices are fairly reasonable.
  • Laser Eye Surgery: Is it Worth It?

    Sean Cooper
    8 Jan 2015 | 4:30 am
    This year marks my fifth year anniversary since getting laser eye surgery. CBC Marketplace recently aired a segment on Lasik MD, the leading provider of laser vision correction in Canada, so I thought this would be the perfect time to write about my experience. If you’re fed up with glasses like I was, you’ve probably looked into laser eye surgery. My eye sight was perfectly fine until high school when I couldn’t see the blackboard anymore. I ended up wearing glasses throughout high school and college. When I got into university, I decided to look into laser eye surgery. Like most…
  • Financial Checklist to Start the Year (2015)

    FrugalTrader
    5 Jan 2015 | 4:30 am
    Similar to the end of the year tax tips, there are certain financial to-do items to start off the year on a strong note.  Here is the checklist that I use at the beginning of the year. 1. Contribute to your TFSA Investors rejoice!  For 2015, TFSA accounts get $5,500 in contribution room ($36,500 total since 2009).  If you made a withdrawal in 2014, then this year, you can contribute up to $5,500 plus the 2014 withdrawal amount.  Find out how much TFSA contribution room you have here. 2. Maximize your RESP contribution For those of you with kids, a new year means more government matching…
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    Bible Money Matters

  • How To Run A Successful Crowdfunding Campaign

    Joseph Hogue, CFA
    23 Jan 2015 | 7:34 am
    Crowdfunding has made it simple to raise money for nearly every type of business, social cause or personal project. How can you run a successful campaign? The post How To Run A Successful Crowdfunding Campaign appeared first on Bible Money Matters and was written by Joseph Hogue, CFA. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • Amazon Echo Review: Voice Controlled Bluetooth Speaker And Virtual Assistant

    Peter Anderson
    19 Jan 2015 | 10:19 pm
    I purchased the Amazon Echo Bluetooth speaker and virtual assistant shortly after it launched. So how does it sound, and Is it worth the money? The post Amazon Echo Review: Voice Controlled Bluetooth Speaker And Virtual Assistant appeared first on Bible Money Matters and was written by Peter Anderson. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • The Financial Hope Conference – Creating Hope For A Smoother Financial Journey

    Melissa
    19 Jan 2015 | 6:07 am
    You have likely heard of Steve and Annette Economides, otherwise fondly referred to as America’s Cheapest Family.  The Economides raised five children while living on Steve’s modest income alone, and they did it without debt (save for a mortgage that they paid off within 11 years). The Economides have written three books: America’s Cheapest Family […] The post The Financial Hope Conference – Creating Hope For A Smoother Financial Journey appeared first on Bible Money Matters and was written by Melissa. Copyright © Bible Money Matters - please visit biblemoneymatters.com for…
  • How I Save… By Cutting Costs On Things I Already Pay For

    Peter Anderson
    16 Jan 2015 | 2:00 am
    One of the best ways to save money is to cut costs on your regular monthly bills that you'd be paying for anyway. Here's how I save. The post How I Save… By Cutting Costs On Things I Already Pay For appeared first on Bible Money Matters and was written by Peter Anderson. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • Amazon Fire TV Stick Review: A Device For The Cord Cutter’s Toolbox

    Peter Anderson
    15 Jan 2015 | 11:40 am
    A couple months ago I got an email from Amazon allowing me to pre-order their newest video streaming device, the Amazon Fire TV Stick. Here's my review. The post Amazon Fire TV Stick Review: A Device For The Cord Cutter’s Toolbox appeared first on Bible Money Matters and was written by Peter Anderson. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
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    Canadian Personal Finance Blog

  • Money and Twitter Mixing

    bigcajunman
    25 Jan 2015 | 4:17 am
    Another installment of the best financial tweets of the week. I continue to try to figure out whether I need to cut down the number of folks I follow or find a smarter way to get to the important tweets of the week. Given this was a week with the Bank of Canada cutting interest rates, oil price shenanigans and King Abdullah’s passing the twitter verse did have a lot of interesting stuff. The Media Maven of Money (Preet B.) started flexing his financial chops with a very interesting set of simulations to try to answer the time-honored question, is it better to buy your house, or rent and…
  • Looser Money, Plummeting Loons and #BestThisWeek

    bigcajunman
    23 Jan 2015 | 4:40 am
    The Bank of Canada threw us all a knuckleball this week when they announced a quarter point drop of their key overnight rate (on Wednesday). The rate is now at 3/4% dropping a 1/4, and it seems the Bank assumes the economy needs even more stimulus. The telling statement from their announcement is the final paragraph of their statement: The oil price shock increases both downside risks to the inflation profile and financial stability risks. The Bank’s policy action is intended to provide insurance against these risks, support the sectoral adjustment needed to strengthen investment and…
  • RESPs are too Hard for Mommies

    bigcajunman
    21 Jan 2015 | 4:25 am
    This is what I keep seeing and reading, and it makes me (as a Father of 3 smart sophisticated young ladies, and a wife who is much smarter than me) absolutely irate. The dumbing down of most things (OK everything) is annoying enough, but the portrayal that Mothers and Parents (in general) can’t understand a simple financial idea like an RESP is insulting. The case in point I am displeased with is Giraffe and Friends RESP, which is an insurance company that is offering a Guaranteed Growth RESP (and also insurance for children). This company has been getting a lot of Mainstream Media…
  • TD E-Series RESP Beartrap

    bigcajunman
    19 Jan 2015 | 4:05 am
    Just when I thought I couldn’t possibly find anything more to write about with my kids’ RESP account, TD puts a beartrap in the process and I end up with yet another article to write. I can already hear my regular readers muttering, that I am not going to rehash another visit to my local TD Branch, am I? Yes, and no (after a fashion). Let us rewind to about 4 months ago, when I changed all of my TD Mutual Fund savings vehicles, into accounts that allow for the purchase of the TD E-series Index Funds. Remember I did outline in Quicken and transferring E-series Index Funds, how to…
  • Best Financial on Twitter This Week

    bigcajunman
    17 Jan 2015 | 6:57 am
    My Twitter feed is actually quite bloated, and it is getting harder to find good financial tweets these days, so I end up doing “twitter research” for this piece and find tweets I didn’t even see go by. I am not sure if that is a condemnation of following too many twitter folk, or my not reading it enough. Financial Tweets I love reading about perfect storms, it is becoming such an overused descriptive, yes, one day someone will use it correctly, but will it this time? Larry MacDonald pointed me at this interesting one. A perfect storm could be brewing for emerging-market…
 
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    Early Retirement Extreme

  • Buying the best from the outset

    Jacob
    26 Jan 2015 | 3:14 am
    When delving into a new endeavor (house owner, car, sport, computer, … ) it is often recommended to buy a “beginner” version or a “starter unit”. The idea, as it goes, is to see if one is “really” into this new activity before committing a lot of money. Now, ab initio this sounds a good idea, except that it is an expensive thing regardless. There should be better ways to figure this out. The best way I have found is to start with units that cost time or commitment rather than money. For instance, it very common to decide to get in shape and then…
  • Put some clothes on, damnit!

    Jacob
    25 Jan 2015 | 3:12 pm
    In North America and many developed countries, people have taken to following the strange custom of centrally heating up their entire house when it gets cold outside rather than just putting on an extra layer. Why apparently, it only took a generating or two of moving from one heated or airconditioned bubble to the next e.g. house to car to shopping center to completely forget how to dress properly. If you’re sitting inside or moving around outside and you’re cold, you’re probably doing something wrong. Here’s how to dress right. Dressing right involves three layers.
  • Speeding and transportation

    Jacob
    25 Jan 2015 | 3:07 am
    For short distances, speeding simply doesn’t make sense. Going 20% faster might feel like a big deal, but arriving 20% early on a trip that takes 15 minutes; that’s only three minutes. Consider these times to reach my dojo, which is about 3 miles away Walking: 45 minutes Running: 25 minutes Biking: 15 minutes Driving: 10 minute One reason is that the faster methods are so similar is that a surprisingly large amount of time is spent waiting for traffic lights to turn — even for the running, it’s probably 3-4 minutes I think one has to put down a fairly convincing…
  • The happiest people on Earth

    Jacob
    24 Jan 2015 | 3:02 pm
    Recently there was a feature on Oprah showing Denmark having the happiest people on Earth. I am a Dane, but in retrospect I was never too happy living there. I now live in the US. Obviously, there are some aspects I prefer about Denmark compared to the US such as its health care system. However, overall, Denmark is not the best place for ambitious individuals with a plan to pull off an early retirement or do what Americans call awesome(*) stuff. I consider the likelihood of me ever returning permanently to be small. (*) Okay, Americans tend to call everything including their breakfast…
  • Why do so many people hoard so much?

    Jacob
    24 Jan 2015 | 3:00 am
    In a comment, Hannah wrote: I have to wonder: Is the inability to value one’s time (rather than hyper-accumulating Things) simply an inability to accept one’s inevitable departure from this world? Do people who have an acquisitive mentality towards life have an inherent denial of death, and thus seek to “escape” into their goods, which are for all intents and purposes replacements for “immortality” (objects do not “die” after all, although they do depreciate! ) I don’t think it’s a desire to own something that outlives us, that is, a way of transubstantiating our…
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    PFBlog.com: The Unique Personal Finance Blog Since 2003

  • (1/25) Monthly Update - December 2014 ($1,981,908, +$322,358)

    webmaster@pfblog.com
    25 Jan 2015 | 4:12 am
    Our net worth closed the year of 2014 in a high note, climbing a whopping $68K in December. For the full year, we added over $322K to our bottom line, the largest of any year in our history. In fact, we recorded 5-figure monthly improvement in 10 of the 12 months in 2014, including nine back-to-back months between Q2 and Q4 of 2014. 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 - 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…
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    2million's Personal Finance Blog

  • December 2014 Net Worth Update (+$1,239)

    2million
    15 Jan 2015 | 9:36 pm
    Highlights for DecemberWe 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 this during the the…
  • November 2014 Net Worth Update (+$26,286)

    2million
    22 Dec 2014 | 5:01 pm
    Highlights for NovemberBetween 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…
  • 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…
 
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    FIRE Finance

  • Wish you a Happy New Year!

    1 Jan 2015 | 12:00 am
    Jan 01, 2015: We wish you a wonderful new year ahead. May everything that you need for a better life materialize this year :). At this auspicious start of a pristine year, we wish that all beings experience peace, joy and love. We also pray that there are no wars or natural disasters this year. This is a great time to set new goals. We are in the process of setting some simple ones for our Click on the post title to continue reading .....
  • Happy Veterans Day

    11 Nov 2014 | 10:10 am
    Nov 11, 2014: We wish you a Happy Veterans Day :). It's a state and federal holiday across US. But those of us who are employees of corporate America need to go to work :(. Veteran's day has an inspiring history. In November 1919, President Wilson proclaimed November 11 as the first commemoration of Armistice Day with the following words: To us in America, the reflections of Armistice Day will Click on the post title to continue reading .....
  • Daylight Savings Time Reminder

    2 Nov 2014 | 1:01 am
    Nov 02, 2014: It is time to reset our household clocks and watches to get that extra hour on Sunday morning. We will get an extra hour of Sunday morning sleep on Nov 2, because of the time change that rolls our clocks back an hour every fall. This move back to Standard Time from Daylight Saving Time, or DST takes effect at 2 a.m. the first Sunday in November, rather than the last Sunday in Click on the post title to continue reading .....
  • Happy Halloween

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

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

  • Friday Finances: January 2015 Week 4

    Lulu
    23 Jan 2015 | 7:36 am
    Every Friday I post about my finances for the week in an effort to monitor my income and expenses. I used to post all of the actual figures but I have recently decided to stop doing this. I will now post SOME of my actual expenses and leave the rest to your imagination. All income and expenses are recorded in Mint and any amounts are rolled over into the next month. This week my expenses were: $10 for a car wash. I know this sounds expensive, especially since I usually spend $4 to get the car clean. I have not washed the car in over a month and the area I live in is VERY dusty. My poor car…
  • I Bought The Gym Pass

    Lulu
    20 Jan 2015 | 11:50 pm
    So I caved in and bought the gym pass after all. My best friend guilted me into buying it because the benefit would more than outweigh the cost. The gym pass costs $100 this semester and I found classes that I am interested in and can fit into my schedule. The zumba classes are one hour each and the core (abs) classes are 20 minutes each. I can fit in two zumba classes and 2 ab classes during the week, and may even take something on the weekends as well. img from money.cnn.com If I stick to the two day schedules I will be getting 2 hours and 40 minutes a week. This translates to about $3 per…
  • How to Save Money while Contesting a Will (Guest Post)

    Lulu
    18 Jan 2015 | 11:16 pm
    Resolving a will dispute is a process that can be carried out affordably. Mediation will help you to resolve conflicts and sort out issues without the extensive costs associated with court procedures. When you have disputes based on family wills, you will have strained relationships with loved ones. This is why you need to reach a worthwhile agreement making it possible for you to move on. You can deal with will disputes while you save money through proper management of the situation and timely resolutions. The process of mediating helps to sort out disputes to help keep your relationships…
  • Friday Finances: January 2015 Week 3

    Lulu
    15 Jan 2015 | 11:49 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. All income and expenses are recorded in Mint and any amounts are rolled over into the next month. This week my expenses were: $30.22 on food for the week. I still need to get some fruits and vegetables but I may get those later during the week. This week my income was:   Related posts: Friday Finances: January 2015 Week 2…
  • Anxiously Awaiting My Tax Documents

    Lulu
    14 Jan 2015 | 6:08 am
    I am anxiously awaiting my tax documents but not for the reason many think. I am not scared or upset that I might have to pay taxes.  I do not think I am getting a refund so I am not even excited about that. I simply want to get the documents so that I can file and cross that item off my list of things to do. Just knowing that I have this big project is weighing a bit on my mind and I just want to get it done so I can focus on other things. I know a few people would wonder why I am anxiously awaiting my tax documents if I will not get a refund. The reason for that is you don’t want to…
 
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    Funny About Money

  • Lazied Out???

    funny
    25 Jan 2015 | 7:52 am
    ooohhhhhhhhhh…. Has WonderSurgeon turned me into a zombie? Whaa? Of late, I just do NOT seem to be able to get my act together in the morning. It’s a good thing I don’t have to be at a job come 8 or 9 ayem, because I sure wouldn’t last much longer, at the rate I’m going. Down at the church, we have what has been dubbed “Switch Sunday”: every third Sunday of the month senior choir sings at the nine o’clock service, meaning we have to surface there at eight o’clock, two hours earlier than our normal choir call. I’ve never been fond of…
  • A Thousand Curses on “Energy-Efficient” Appliances

    funny
    24 Jan 2015 | 9:22 am
    GOD DAMN IT!!!!!!!!!!! And yes, that is exactly the language elicited EVERY EFFING TIME I have to use the spectacularly expensive fancy energy-saving water-saving GOD DAMNED Samsung clothes washer I stupidly purchased. Oh, how I wish I’d bought one of the last agitator washers on the floor at Sears that day. I hate this machine more than I’ve ever hated any piece of junk foisted on me by an American retailer. And those worthies have done more than their share of junk-foisting. Runner-up: the infuriating, STINKING, ridiculously overpriced Bosch dishwasher that is still grinding…
  • How to Save Money: Get Sick!

    funny
    23 Jan 2015 | 11:36 am
    Heeee! The AMEX bill, which regularly exceeds $1200 (that’s in a good month…), came in at a piddling $955.02. Hot diggety! I don’t remember when I’ve seen a bill for discretionary expenses under a thousand bucks. And how did this magical event occur? Simple: being flat on my back half the month kept me out of my car! Not riding around in a car every day or two meant not going into stores. And what can you NOT do when you stay out of stores? Yup…NOT spend money. Most to the point, I think, it kept  me out of Costco, where I can drop two hundred bucks without…
  • $ub$idizing the Kid’$ Birthday Party…Oh, this is too, too good!

    funny
    20 Jan 2015 | 11:08 am
    Did you see the latest amazing news report? The one where some nitwit sent a no-show bill to a parent whose kid failed to surface at an expensive birthday party for a five-year-old? The Christian Science Monitor reports that a dad RSVP’ed informally that his son would attend a preschool classmate’s birthday party, which took place at (hang onto your hat) a ski slope! After having replied, orally, that the kid would show up, Dad realized they already had a prior date to spend the day with grandparents. Grandparents trumping day-care colleagues, he scrubbed the ski party —…
  • Finances: 2014 Debacle; 2015 Budget

    funny
    19 Jan 2015 | 7:51 am
    I just reviewed the shambles that is my 2014 finances, by way of designing a new budget for 2015. My God. Things were going to Hell on a skateboard, that much was obvious. Last year I gave up tracking every teensy little expenditure in Excel. That hair-tearing task was making me crazy. Result: I knew a lot of extraordinary expenses were happening, but I had no idea how HUGE those expenses were. Nor did I realize how overbudgeted I was (luckily) for 2014. Last January I drew down $13,000 from savings and then broke even on December 31. But absent the brain-banging number and size of unplanned…
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    Lending Club Blog

  • How an Individual Retirement Account (IRA) can help you reduce your taxes

    Lending Club
    23 Jan 2015 | 12:33 pm
    For many investors, January is the time for financial New Year’s resolutions, revising retirement strategies, and looking for ways to reduce their tax bill. January is a great time to think about an IRA, which can offer solid returns and tax advantaged growth. Why now? The start of the new year is a great time to think about IRA contributions for 2015. The sooner you fund your IRA, the sooner you can start earning tax-advantaged returns. You could earn more money just by starting your investment earlier. If you didn’t deposit money into your IRA for your 2014 contribution, it’s not too…
  • 5 Qualities of Lending Club Engineers

    Lending Club
    12 Jan 2015 | 4:25 pm
    At Lending Club we’re using technology to transform a massive industry, so we’re actively searching for the very best engineers who are both technically amazing and intellectually excited about building the platform that powers our business. We meet with a lot of talented people, but the ones who impress us the most are those who use our limited interview time to learn and assess their fit with the challenge and the culture. An interview is your opportunity to evaluate a company and learn about its culture and values while demonstrating why and how you’re right for the job. Here are…
  • 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…
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    MintLife Blog | Personal Finance News & Advice

  • Mint.com Personal Finance Tips & Tricks

    Mint.com
    24 Jan 2015 | 6:55 am
    Managing your money can be intimidating, but the right mix of tools and techniques can make personal finance quite simple. For those of you who already stay on top of your personal finances through Mint.com, congrats! You’re already using a tool that’s powerful, reliable, simple and free to help you be good with your money. While most Mint users know the basics, there are still a few features you might not be aware of that can actually maximize your Mint experience and your bottom line. Did you know you can: Access a free credit score Available on both the web and mobile phones,…
  • Mint.com Survey Reveals Financial Resolutions for 2015

    Mint.com
    17 Jan 2015 | 4:01 am
    It may not come as a big surprise since we all know that Mint users are financially savvy – but saving for a big purchase and paying off debt reign supreme for Mint users when it comes to their 2015 financial resolutions! In a recent Mint survey, millennials revealed that their top financial stressor included debt (think student loans), saving for retirement, and over spending – while respondents age 36+ were most stressed out by not having enough savings for the future (you’re not alone)! We hope the takeaways from the Mint user survey below will help encourage you to be good…
  • Things to Consider When Shopping for Car Insurance

    CoverHound
    14 Jan 2015 | 9:21 am
    With a little preparation and a few questions in your back pocket, buying auto insurance can be easy. Here are a few tips to protect yourself and your budget and put you in the driver’s seat when it comes to purchasing auto insurance. What type of insurance do I need? It’s important to learn about the different types of auto insurance available because you and your budget may not need all of them. In almost every state, car insurance is required before you can hit the road. Here’s a look at the different types of insurance and what they cover. Collision insurance will cover the costs of…
  • Saving Through the Ages

    Matthew Amster-Burton
    10 Jan 2015 | 8:43 am
    Reputable financial advisors, websites and your mom say to save for retirement, college, a down payment for a home and emergencies. A typical response might be,  “Yeah, but how much?” and “When?” Libraries of books have been written on this subject. The implication is that determining your proper savings rate involves solving differential equations, brushing up on Excel functions, and reading the entire US tax code. If you’re not ready to do that, just turn everything over to an expert. Right? Not really. Let’s talk about three things that may get in the way of people…
  • 5 Tips to Kick-start Your Financial Life in 2015

    Brittney Castro
    5 Jan 2015 | 8:31 am
    Each year, millions of Americans start the New Year resolved to get their finances in order.  Then, the motivation wears off and most people fall back into old habits and spending patterns, feeling   stressed and overwhelmed. Stick to your resolutions this year by focusing on small wins in your financial life and make little lifestyle changes that will last the long haul. Here are five tips to kick-start your financial life in 2015: 1. Track your money weekly, not monthly The word budget is sometimes more feared than diet. Both can be hard to get started! But instead of thinking of…
 
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    Ultimate Money Blog- Save Money and Live Green!

  • One and Only Child

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

    Mrs Money
    2 Jan 2015 | 9:14 am
    Now that it’s 2015, I’d like to get our financial and life goals written down so we’ll have focus.  It is really hard for me when I don’t have some idea of what my goals are.  I feel like I’m lost!  Mr. Money and I discussed the things that are important to us, and where we’d like to be in a few years.  Here are some of the things we touched decided we’d like to accomplish: -Pay $5,000 down on the principal of our house.  According to the amortization, this puts us ahead.  We decided that paying off our house is probably not the number one…
  • 2014 Goals Review

    Mrs Money
    1 Jan 2015 | 9:13 am
    Happy New Year!!  I cannot believe it is 2015. I feel like I just wrote our 2014 goals!  For the past few years (2009, 2010, 2011, 2012.) I have made and updated our financial and life goals here on my site.  I’d like to review our 2014 goals and see how we did!  Here are our goals, and how we measured up. -I’d like to get $5,000 paid down on the principal of our mortgage.  SUCCESS! We actually paid off $5105.29 this year!  I didn’t make any huge extra principal payments- we refinanced last summer and went with a 20 year mortgage and because of that a lot more of our…
  • Getting the Itch to Upgrade

    Mrs Money
    7 Jul 2014 | 7:26 am
    Lately I’ve had the feeling that I would like to move to a bigger house with more acreage.  Our house is just the perfect size for us right now, but we wish we had a garage and more property.  Not to mention, if we end up expanding our family it would be nice to have an extra bedroom to put our office and guest room in.  We have a three bedroom house right now, and it works because we’ve got the master, Penny’s room, and then the third bedroom is the guest room and office. I feel conflicted because I am a huge fan of minimalism, I don’t like clutter, and I have…
  • 529 Plans versus Savings Accounts

    Mrs Money
    23 Jun 2014 | 2:33 am
    Shortly after Penny was born, we opened her up a savings account. Any money she receives from birthdays, holidays, grandparents, etc, we stash in her savings account. She’s got a nice little nest egg that hopefully we’ll be able to help her grow over the years. Now that we finally got our IRAs opened with Vanguard and we’ve been really happy, I’m considering opening up a 529 plan for Penny with them.  I have some hesitations, and I definitely need to do more research but it’s something that probably would be a really good idea. A 529 Plan would allow us to save…
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    Money Crashers

  • 9 Best Road Trip Destinations in the USA on a Budget

    Mary McCoy
    23 Jan 2015 | 9:00 am
    Back in the early 1990s, when gas prices hovered around an inflation-adjusted average of $2.25 per gallon (according to The Motley Fool), my family took advantage of low fuel prices by going on amazing road trips. The memories I have from those trips are some of the most vivid of my childhood, and I strongly […] 9 Best Road Trip Destinations in the USA on a Budget is a post from the Money Crashers personal finance blog.
  • What Is a Food Co-op and Is It Worth Joining? – Costs, Benefits & Drawbacks

    Brian Martucci
    21 Jan 2015 | 10:30 am
    When my wife and I moved into our new neighborhood last year, one of the first things we did was walk down its main commercial drag. We were happy to find a diverse hodgepodge of restaurants, coffee shops, independently owned clothing stores, and professional offices. One business stood out in particular: a grocery cooperative (co-op), a member-owned […] What Is a Food Co-op and Is It Worth Joining? – Costs, Benefits & Drawbacks is a post from the Money Crashers personal finance blog.
  • 8 Products With the Highest Price Markups – How to Avoid Them

    Jacqueline Curtis
    21 Jan 2015 | 9:00 am
    There are some instances in which you can’t help but to pay a premium for a product or service. In fact, paying more sometimes nets you better quality, faster service, or the best care. But savvy consumers know that you don’t always get what you paid for. Unfortunately, sometimes you get a lot less. Retailers, […] 8 Products With the Highest Price Markups – How to Avoid Them is a post from the Money Crashers personal finance blog.
  • What to Wear to Work – Tips for 4 Types of Office Dress Code Policies

    Jacqueline Curtis
    20 Jan 2015 | 9:00 am
    Skirt or slacks? Tights or bare legs? Sandals or pumps? These are the questions you might find yourself asking each morning as you select work attire. And, depending on the dress code your company enforces, you could be spot on – or woefully off-base in your fashion choices. According to a survey by Salary.com, only […] What to Wear to Work – Tips for 4 Types of Office Dress Code Policies is a post from the Money Crashers personal finance blog.
  • Lifetime Savings Plan – Major Life Expenses & Savings Principles at Every Age

    Michael Lewis
    16 Jan 2015 | 7:00 am
    Many Americans are now discovering that a comfortable retirement and adequate healthcare are beyond their means. As a consequence, we are working later in life, lowering our expectations, and going without not only luxuries, but essentials as well. The decisions we make through our lives come with financial consequences. These choices include the careers we develop, the […] Lifetime Savings Plan – Major Life Expenses & Savings Principles at Every Age is a post from the Money Crashers personal finance blog.
 
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    Mighty Bargain Hunter

  • Save money by talking through purchases, big and small

    John Wedding
    14 Jan 2015 | 10:43 pm
    It’s a good idea to talk through big purchases (with your spouse, or with a knowledgeable friend) carefully before buying.  The bigger the purchase, the more discussion there should be.  You can save money and avoid costly mistakes with discussion. I learned a lesson recently about not doing this with a smaller purchase.  It cost me a couple of hours and $30.  Here’s what happened. Frozen chickens don’t lay eggs My wife has gotten a reputation in our local circles as being “the crazy chicken lady.”  We now have not one, but two coops for our eleven…
  • 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…
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    Girls Just Wanna Have Funds

  • Who Should Do Your 2015 Tax Returns?

    Guest Contributor
    19 Jan 2015 | 5:00 am
    Tax time is coming sooner than you think. While some people are confident doing a DIY tax return, you may be among the millions who need a little extra help. The most-cited reason for seeking paid advice is that computer software can’t replace a human being. It won’t take unique tax deductions into account. It won’t ask about that investment property you bought in late December. If you’ve undergone any type of life change, hiring a tax professional will help you avoid costly mistakes. Reasons to Seek Tax Preparation Help Some people get queasy just thinking about numbers. Others…
  • Coco-Cola: Empowering Women, Improving Lives via #5by20

    Ginger
    16 Jan 2015 | 11:31 am
    In continuing our spirit of supporting women in becoming financially independent, today I’d like to share with you Coco-Cola’s new campaign – 5by20.  This campaign is close to my own heart because I am personally invested in seeing women attain financial success.  Whether they make just enough to cover their expenses and save for a rainy day or they become wildly successful beyond their dreams – I’m here for it.   Owning and managing this website as well as running a private practice – I understand the growing pains of a business while balancing family…
  • Work Multiple Jobs?  Watch Out!

    Guest Contributor
    12 Jan 2015 | 6:12 am
    Many of us younger workers who have entered the workforce in the last decade have seen it – Work more jobs!  The idea is simple enough: more work hours translate to more money.  More importantly, “diversifying” our employers provides a bit of financial security to those of us impacted by the Great Recession.  As I later found out, however, there are some downsides to those multiple W-2’s that few people consider. 1.  Insufficient income tax withholding Although I had a masters and a full-time job with the state government, my job wasn’t providing me with any advancement…
  • 5 Ways Mind Mapping Applications Can Help You Focus on Financial Goals

    Ginger
    8 Jan 2015 | 5:00 am
    Mind mapping applications are excellent tools to help you focus on attainable goals in order to reach a much larger objective. As many of these online apps are free to use, you can develop an intricate budget plan giving you a visual aid to help you secure your financial future. How can you use these applications to your advantage? Breaking Down Your Goals By using mind mapping apps, you can break larger goals down into smaller units. By spending the time analyzing your objectives, you can see what you need to do in order to accomplish the much larger goal. As each aspect becomes complete, it…
  • Tackling Our Deepest Entrepreneurial Fears: #MyAvonStory Twitter Chat Recap

    Ginger
    22 Dec 2014 | 11:06 am
    Last week’s #MyAvonStory was incredible!  I say that as a woman interested in human dynamics, right?   After all, I am a psychotherapist and what I do for a living involves helping other women get in touch with their deepest fears. The Twitter Chats have grown to become almost a way for the women involved to support and encourage each other towards greatness.  I have and always will be a fan of women supporting each other, even if it means shedding our masks and discussing some of our deepest fears as entrepreneurial women.   And that was the most significant takeaway for me.  I…
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    The Finance Buff

  • How To Report Backdoor Roth In H&R Block Software

    Harry Sit
    21 Jan 2015 | 4:58 am
    I wrote How To Report Backdoor Roth In TurboTax back in 2012 to help people navigate TurboTax to account for backdoor Roth on the tax return. I will update it shortly with new screenshots from the latest software. This year some of you may have defected to H&R Block software because TurboTax removed certain features from the TurboTax Deluxe product. This article shows you how to report backdoor Roth in H&R Block software. As you will see it’s actually easier to do in H&R Block software than in TurboTax. For more on backdoor Roth, please read Backdoor Roth: A Complete How-To…
  • From Aggressive Saving To Living Paycheck To Paycheck

    Harry Sit
    12 Jan 2015 | 4:56 am
    2014 was a great year for my family. Our net worth had a healthy increase. We are ready to launch the second phase of our long term strategy in 2015. 2015 will mark the beginning of significant changes in our life. My wife and I had significant changes at this level only a handful of times in the last 20 some odd years: the year we came to the US, the year we finished our education, the year we bought our home, and the year I took my current job. 2015 will be another year we will remember for a long time. We are expecting to take a voluntary 1/3 cut of our income in 2015, another cut in 2016,…
  • Free H&R Block Deluxe + State If You Bought TurboTax Basic Or Deluxe

    Harry Sit
    8 Jan 2015 | 4:49 am
    If you paid any attention to tax software, you may have heard that Intuit made a change to its TurboTax product this year. You won’t be able to e-file with TurboTax Deluxe if you need to report capital gains on Schedule D. You can still fill out Schedule D in Forms Mode and mail your return. If you want e-file and Schedule D you will have to upgrade to TurboTax Premier. Intuit has been nudging customers for years to use TurboTax Premier if they have taxable investments but many users have got by with the less expensive TurboTax Deluxe. From Intuit’s point of view, those customers…
  • Mega Backdoor Roth In Solo 401k: Control Your Own Destiny

    Harry Sit
    5 Jan 2015 | 4:55 am
    Today we revisit the issue of doing the mega backdoor Roth in a solo 401k for those of you who are self-employed. For more background on solo 401k, please read Solo 401k When You Have Self-Employment Income. As I mentioned in the previous article The Elusive Mega Backdoor Roth, mutual fund and brokerage companies who provide solo 401k plans, such as Vanguard, Fidelity, Schwab, TD Ameritrade, and E*Trade, don’t allow non-Roth after-tax contributions in their packaged plans. If you want non-Roth after-tax contributions you will have to step up and take it into your own hands: get your own…
  • Mega Backdoor Roth and Access To Your Money Before 59-1/2

    Harry Sit
    29 Dec 2014 | 4:52 am
    In other articles I showed that contributing to after-tax 401k/403b and rolling it over to Roth IRA (the “mega backdoor Roth”) is great if your 401k/403b plan allows it. It’s still worth it even if you have to wait a few years before you can roll it over to Roth. You should still do it even if it drops your paycheck next to nothing. If you are self-employed, it may be worth paying a modest fee to enable this feature. The Elusive Mega Backdoor Roth Mega Backdoor Roth Without In-Service Distribution Mega Backdoor Roth Without a Big Paycheck Mega Backdoor Roth In Solo 401k:…
 
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    Maximizing Money

  • New AMEX Twitter Sync Promos – Hilton, Newegg, City Sports and More

    Max Messner
    23 Jan 2015 | 1:55 pm
    American Express is offering new Twitter sync promotions at participating merchants, including new offers for Hilton, Newegg, City Sports, and more. Sync these New AMEX Twitter Discount Promotions to save extra money during your shopping with an American Express card. The post New AMEX Twitter Sync Promos – Hilton, Newegg, City Sports and More appeared first on Maximizing Money.
  • Wells Fargo At Work Program $50 Checking Account Bonus

    Max Messner
    23 Jan 2015 | 1:53 pm
    The Wells Fargo At Work Program is currently offering a $50 bonus for new consumer checking account customers who work for select participating businesses, valid through January 31, 2015. The post Wells Fargo At Work Program $50 Checking Account Bonus appeared first on Maximizing Money.
  • Curb Referral Program $10 Free Credits for Booking Taxis

    Max Messner
    23 Jan 2015 | 11:58 am
    Updated 1/23/2015: There is a new Curb Promo Code DINELA for new or existing users that gets you $10 off your next ride, plus new users can use Referral Code 43R91H for another $10 credit for a total of $20 off your first ride. The Curb app (formerly Taxi Magic) allows you to book taxis on your phone in over 60 cities across the U.S. (including New York City) as well as select cities in Canada, the United Kingdom, and Mexico. Plus, the Curb Referral Program offers new users a free $10 credit toward your first ride, and you can earn additional $10 credits for referring your friends. The post…
  • Office 365 Education Free for Eligible Students and Teachers

    Max Messner
    23 Jan 2015 | 11:56 am
    Eligible students and teachers can get access to Office 365 Education for free. The post Office 365 Education Free for Eligible Students and Teachers appeared first on Maximizing Money.
  • Amazon Prime $72 This Saturday Only – January 24, 2015

    Max Messner
    22 Jan 2015 | 4:15 pm
    Heads up that this Saturday (1/24/2015), in celebration of Amazon Studio’s recent Golden Globe wins for Transparent, Amazon will be offering Amazon Prime memberships for a discounted rate of just $72, which is more than 25% off the regular $99 price. New members can sign up for this limited-time Prime offer at Amazon.com/TransparentPrime. The post Amazon Prime $72 This Saturday Only – January 24, 2015 appeared first on Maximizing Money.
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    Abacus Wealth Partners

  • Turbo-Charge Your 401(k)

    Barrett Porter
    22 Jan 2015 | 1:05 pm
    If you’re earning a six-figure salary and enrolled in a company 401(k) plan, here’s a “hot investment tip” that could result in significant annual tax savings and a larger future nest egg—and you may not need to save a penny more than you’re saving now. Warning, this article is going to get into the specific math and legal details of how to execute a tax strategy. If you want it explained in plain English, call your Abacus advisor. Here’s a “hot investment tip” that could result in significant annual tax savings.Click To Tweet What…
  • Investment Committee Commentary Q1 2015

    The 2015 Abacus Investment Committee
    20 Jan 2015 | 10:08 am
    Market Snapshot Note from Our CIO: A Recap of 2014, and a Plan for 2015 Diversification worked again. Many of you may have noticed that your portfolios in 2014 did not do as well as the market that you hear about on the news. The most common of these, the S&P 500 index, earned about 13.7% for the year. Your portfolios comprise about 13 different markets (each called “asset classes”). Read more » Investment Committee Decisions: Q1 2015 Our investment committee has decided to remove our small commodity exposure from our portfolios. At this point, the investment committee has…
  • Impact Investment Profile: SharePractice

    The 2015 Abacus Investment Committee
    19 Jan 2015 | 2:42 pm
    A portfolio company of Better Ventures Over 5,000 doctors are using SharePractice at the point of care to find treatments for many types of diagnoses. Physicians and medical practitioners rank and comment on thousands of drugs, herbs and supplements in SharePractice so the information is current, complete and peer-sourced. SharePractice was founded by Dr. Andrew Brandeis and is operated by physicians and engineers on a mission to provide the best treatments for every medical disorder in the most efficient way. SharePractice is a collaborative clinical reference for doctors. After a doctor…
  • 4th Quarter Market Review: Living with Volatility, Again

    The 2015 Abacus Investment Committee
    19 Jan 2015 | 2:41 pm
    Volatility is back. Just as many people were starting to think markets only ever move in one direction, the pendulum has swung the other way. Anxiety is a completely natural response to these events. Acting on those emotions, though, can end up doing us more harm than good. There are a number of tidy-sounding theories about why markets have become more volatile. Among the issues frequently splashed across newspaper front pages: global growth fears, policy uncertainty, geopolitical risk and even the Ebola virus. In many cases, these issues are not new. The U.S. Federal Reserve gave notice it…
  • Investment Committee Decisions: Q1 2015

    The 2015 Abacus Investment Committee
    19 Jan 2015 | 2:40 pm
    Our investment committee has decided to remove our small commodity exposure from our portfolios. At this point, the investment committee has no basis to expect a positive return from commodities above inflation. We feel that other real assets (e.g., real estate) and the 10,000 public stock companies provide a better inflation hedge than commodities, since companies produce the same goods and services that comprise the consumer price index (CPI) of inflation. The post Investment Committee Decisions: Q1 2015 appeared first on Abacus Wealth Partners.
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    theBKBlog

  • Statutes of Limitation in Georgia: Credit Card Debts

    Jonathan
    2 Jan 2015 | 12:45 pm
    In Georgia, the statute of limitations for filing a lawsuit to collect credit card debt is 6 years. This means that if your account is inactive for six years, you have a winning defense to any credit card collection lawsuit.The clock on this statute of limitations begins to run when you last use the card or when you last make a payment. There is some authority to suggest that the creditor can restart the statute of limitations clock if you acknowledge that you owe the debt, enter a payment plan, or accept a settlement offer.If you get a collection call or letter from a creditor or collection…
  • How Soon After Bankruptcy Will You Qualify for a Mortgage?

    Jonathan
    10 Nov 2014 | 2:02 pm
    One of the most difficult decisions for a bankruptcy filer involves surrendering a home. Nobody wants to take this step, but sometimes there is just no choice. Home ownership involves not only a mortgage payment, but it also includes repair expenses, homeowners association dues and utility bills.Giving up your home will be traumatic – even if you recognize the financial realities. Your family life will be disrupted, the kids may have to change schools, and you will have to sell or store furniture and other personal property that may not fit into a rental.One of the questions that I get…
  • Free Budgeting Resources to Help You Recover from Bankruptcy

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

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

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

    25 Jan 2015 | 8:34 pm
    'I have lost the ability to read, write'Getty'Housewives' star Yolanda Foster's Lyme disease relapsed last month -- and she's speaking out about its debilitating effects.First sign of the diseaseMore from Everyday Health11 natural weight-loss tipsExercise machines for hip pain
  • SAG Awards 2015: The full winners list

    25 Jan 2015 | 8:34 pm
    SAG Awards 2015: The full winners listGettyThe 2015 Screen Actors Guild Awards on Sunday was full of surprises and excitement as stars like Viola Davis racked up awards.TV series that scored multiple winsMore entertainment newsFollow the 2015 Awards SeasonSAGs: Best and worst-dressed
  • More tumors found in certain US regions

    25 Jan 2015 | 8:34 pm
    More tumors found in certain US regionsGettyA recent study uncovered a disturbing correlation between altitude and cancer.Locations with lower cancer ratesMore from Discovery NewsBlindness may be curableCan you predict alcoholism?
  • Horrific scene unfolds inside Home Depot

    25 Jan 2015 | 8:34 pm
    Horrific scene unfolds inside Home DepotInstagramOfficials say two men are dead after shots rang out at a Manhattan home improvement store on Sunday afternoon.Relationship between the victimsMore newsChild predator sentenced to prison3rd person dies from house party
  • 'Historic' storm to pummel east coast with snow

    25 Jan 2015 | 8:34 pm
    'Historic' storm to pummel east coast with snowGettyA massive storm barreling toward the Northeast has officials urging residents on Sunday to 'prepare for the worst' in the coming days. Jaw-dropping snowfall anticipatedMore to seeShoveling snow the right wayFirst storm blasts the Northeast
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  • 'I have lost the ability to read, write'

    25 Jan 2015 | 8:34 pm
    'I have lost the ability to read, write'Getty'Housewives' star Yolanda Foster's Lyme disease relapsed last month -- and she's speaking out about its debilitating effects.First sign of the diseaseMore from Everyday Health11 natural weight-loss tipsExercise machines for hip pain
  • SAG Awards 2015: The full winners list

    25 Jan 2015 | 8:34 pm
    SAG Awards 2015: The full winners listGettyThe 2015 Screen Actors Guild Awards on Sunday was full of surprises and excitement as stars like Viola Davis racked up awards.TV series that scored multiple winsMore entertainment newsFollow the 2015 Awards SeasonSAGs: Best and worst-dressed
  • More tumors found in certain US regions

    25 Jan 2015 | 8:34 pm
    More tumors found in certain US regionsGettyA recent study uncovered a disturbing correlation between altitude and cancer.Locations with lower cancer ratesMore from Discovery NewsBlindness may be curableCan you predict alcoholism?
  • Horrific scene unfolds inside Home Depot

    25 Jan 2015 | 8:34 pm
    Horrific scene unfolds inside Home DepotInstagramOfficials say two men are dead after shots rang out at a Manhattan home improvement store on Sunday afternoon.Relationship between the victimsMore newsChild predator sentenced to prison3rd person dies from house party
  • 'Historic' storm to pummel east coast with snow

    25 Jan 2015 | 8:34 pm
    'Historic' storm to pummel east coast with snowGettyA massive storm barreling toward the Northeast has officials urging residents on Sunday to 'prepare for the worst' in the coming days. Jaw-dropping snowfall anticipatedMore to seeShoveling snow the right wayFirst storm blasts the Northeast
  • add this feed to my.Alltop

  • 'I have lost the ability to read, write'

    25 Jan 2015 | 8:34 pm
    'I have lost the ability to read, write'Getty'Housewives' star Yolanda Foster's Lyme disease relapsed last month -- and she's speaking out about its debilitating effects.First sign of the diseaseMore from Everyday Health11 natural weight-loss tipsExercise machines for hip pain
  • SAG Awards 2015: The full winners list

    25 Jan 2015 | 8:34 pm
    SAG Awards 2015: The full winners listGettyThe 2015 Screen Actors Guild Awards on Sunday was full of surprises and excitement as stars like Viola Davis racked up awards.TV series that scored multiple winsMore entertainment newsFollow the 2015 Awards SeasonSAGs: Best and worst-dressed
  • More tumors found in certain US regions

    25 Jan 2015 | 8:34 pm
    More tumors found in certain US regionsGettyA recent study uncovered a disturbing correlation between altitude and cancer.Locations with lower cancer ratesMore from Discovery NewsBlindness may be curableCan you predict alcoholism?
  • Horrific scene unfolds inside Home Depot

    25 Jan 2015 | 8:34 pm
    Horrific scene unfolds inside Home DepotInstagramOfficials say two men are dead after shots rang out at a Manhattan home improvement store on Sunday afternoon.Relationship between the victimsMore newsChild predator sentenced to prison3rd person dies from house party
  • 'Historic' storm to pummel east coast with snow

    25 Jan 2015 | 8:34 pm
    'Historic' storm to pummel east coast with snowGettyA massive storm barreling toward the Northeast has officials urging residents on Sunday to 'prepare for the worst' in the coming days. Jaw-dropping snowfall anticipatedMore to seeShoveling snow the right wayFirst storm blasts the Northeast
 
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  • 'I have lost the ability to read, write'

    25 Jan 2015 | 8:34 pm
    'I have lost the ability to read, write'Getty'Housewives' star Yolanda Foster's Lyme disease relapsed last month -- and she's speaking out about its debilitating effects.First sign of the diseaseMore from Everyday Health11 natural weight-loss tipsExercise machines for hip pain
  • SAG Awards 2015: The full winners list

    25 Jan 2015 | 8:34 pm
    SAG Awards 2015: The full winners listGettyThe 2015 Screen Actors Guild Awards on Sunday was full of surprises and excitement as stars like Viola Davis racked up awards.TV series that scored multiple winsMore entertainment newsFollow the 2015 Awards SeasonSAGs: Best and worst-dressed
  • More tumors found in certain US regions

    25 Jan 2015 | 8:34 pm
    More tumors found in certain US regionsGettyA recent study uncovered a disturbing correlation between altitude and cancer.Locations with lower cancer ratesMore from Discovery NewsBlindness may be curableCan you predict alcoholism?
  • Horrific scene unfolds inside Home Depot

    25 Jan 2015 | 8:34 pm
    Horrific scene unfolds inside Home DepotInstagramOfficials say two men are dead after shots rang out at a Manhattan home improvement store on Sunday afternoon.Relationship between the victimsMore newsChild predator sentenced to prison3rd person dies from house party
  • 'Historic' storm to pummel east coast with snow

    25 Jan 2015 | 8:34 pm
    'Historic' storm to pummel east coast with snowGettyA massive storm barreling toward the Northeast has officials urging residents on Sunday to 'prepare for the worst' in the coming days. Jaw-dropping snowfall anticipatedMore to seeShoveling snow the right wayFirst storm blasts the Northeast
  • add this feed to my.Alltop

  • 'I have lost the ability to read, write'

    25 Jan 2015 | 8:34 pm
    'I have lost the ability to read, write'Getty'Housewives' star Yolanda Foster's Lyme disease relapsed last month -- and she's speaking out about its debilitating effects.First sign of the diseaseMore from Everyday Health11 natural weight-loss tipsExercise machines for hip pain
  • SAG Awards 2015: The full winners list

    25 Jan 2015 | 8:34 pm
    SAG Awards 2015: The full winners listGettyThe 2015 Screen Actors Guild Awards on Sunday was full of surprises and excitement as stars like Viola Davis racked up awards.TV series that scored multiple winsMore entertainment newsFollow the 2015 Awards SeasonSAGs: Best and worst-dressed
  • More tumors found in certain US regions

    25 Jan 2015 | 8:34 pm
    More tumors found in certain US regionsGettyA recent study uncovered a disturbing correlation between altitude and cancer.Locations with lower cancer ratesMore from Discovery NewsBlindness may be curableCan you predict alcoholism?
  • Horrific scene unfolds inside Home Depot

    25 Jan 2015 | 8:34 pm
    Horrific scene unfolds inside Home DepotInstagramOfficials say two men are dead after shots rang out at a Manhattan home improvement store on Sunday afternoon.Relationship between the victimsMore newsChild predator sentenced to prison3rd person dies from house party
  • 'Historic' storm to pummel east coast with snow

    25 Jan 2015 | 8:34 pm
    'Historic' storm to pummel east coast with snowGettyA massive storm barreling toward the Northeast has officials urging residents on Sunday to 'prepare for the worst' in the coming days. Jaw-dropping snowfall anticipatedMore to seeShoveling snow the right wayFirst storm blasts the Northeast
  • add this feed to my.Alltop

  • 'I have lost the ability to read, write'

    25 Jan 2015 | 8:34 pm
    'I have lost the ability to read, write'Getty'Housewives' star Yolanda Foster's Lyme disease relapsed last month -- and she's speaking out about its debilitating effects.First sign of the diseaseMore from Everyday Health11 natural weight-loss tipsExercise machines for hip pain
  • SAG Awards 2015: The full winners list

    25 Jan 2015 | 8:34 pm
    SAG Awards 2015: The full winners listGettyThe 2015 Screen Actors Guild Awards on Sunday was full of surprises and excitement as stars like Viola Davis racked up awards.TV series that scored multiple winsMore entertainment newsFollow the 2015 Awards SeasonSAGs: Best and worst-dressed
  • More tumors found in certain US regions

    25 Jan 2015 | 8:34 pm
    More tumors found in certain US regionsGettyA recent study uncovered a disturbing correlation between altitude and cancer.Locations with lower cancer ratesMore from Discovery NewsBlindness may be curableCan you predict alcoholism?
  • Horrific scene unfolds inside Home Depot

    25 Jan 2015 | 8:34 pm
    Horrific scene unfolds inside Home DepotInstagramOfficials say two men are dead after shots rang out at a Manhattan home improvement store on Sunday afternoon.Relationship between the victimsMore newsChild predator sentenced to prison3rd person dies from house party
  • 'Historic' storm to pummel east coast with snow

    25 Jan 2015 | 8:34 pm
    'Historic' storm to pummel east coast with snowGettyA massive storm barreling toward the Northeast has officials urging residents on Sunday to 'prepare for the worst' in the coming days. Jaw-dropping snowfall anticipatedMore to seeShoveling snow the right wayFirst storm blasts the Northeast
 
  • add this feed to my.Alltop

  • 'I have lost the ability to read, write'

    25 Jan 2015 | 8:34 pm
    'I have lost the ability to read, write'Getty'Housewives' star Yolanda Foster's Lyme disease relapsed last month -- and she's speaking out about its debilitating effects.First sign of the diseaseMore from Everyday Health11 natural weight-loss tipsExercise machines for hip pain
  • SAG Awards 2015: The full winners list

    25 Jan 2015 | 8:34 pm
    SAG Awards 2015: The full winners listGettyThe 2015 Screen Actors Guild Awards on Sunday was full of surprises and excitement as stars like Viola Davis racked up awards.TV series that scored multiple winsMore entertainment newsFollow the 2015 Awards SeasonSAGs: Best and worst-dressed
  • More tumors found in certain US regions

    25 Jan 2015 | 8:34 pm
    More tumors found in certain US regionsGettyA recent study uncovered a disturbing correlation between altitude and cancer.Locations with lower cancer ratesMore from Discovery NewsBlindness may be curableCan you predict alcoholism?
  • Horrific scene unfolds inside Home Depot

    25 Jan 2015 | 8:34 pm
    Horrific scene unfolds inside Home DepotInstagramOfficials say two men are dead after shots rang out at a Manhattan home improvement store on Sunday afternoon.Relationship between the victimsMore newsChild predator sentenced to prison3rd person dies from house party
  • 'Historic' storm to pummel east coast with snow

    25 Jan 2015 | 8:34 pm
    'Historic' storm to pummel east coast with snowGettyA massive storm barreling toward the Northeast has officials urging residents on Sunday to 'prepare for the worst' in the coming days. Jaw-dropping snowfall anticipatedMore to seeShoveling snow the right wayFirst storm blasts the Northeast
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  • 'I have lost the ability to read, write'

    25 Jan 2015 | 8:34 pm
    'I have lost the ability to read, write'Getty'Housewives' star Yolanda Foster's Lyme disease relapsed last month -- and she's speaking out about its debilitating effects.First sign of the diseaseMore from Everyday Health11 natural weight-loss tipsExercise machines for hip pain
  • SAG Awards 2015: The full winners list

    25 Jan 2015 | 8:34 pm
    SAG Awards 2015: The full winners listGettyThe 2015 Screen Actors Guild Awards on Sunday was full of surprises and excitement as stars like Viola Davis racked up awards.TV series that scored multiple winsMore entertainment newsFollow the 2015 Awards SeasonSAGs: Best and worst-dressed
  • More tumors found in certain US regions

    25 Jan 2015 | 8:34 pm
    More tumors found in certain US regionsGettyA recent study uncovered a disturbing correlation between altitude and cancer.Locations with lower cancer ratesMore from Discovery NewsBlindness may be curableCan you predict alcoholism?
  • Horrific scene unfolds inside Home Depot

    25 Jan 2015 | 8:34 pm
    Horrific scene unfolds inside Home DepotInstagramOfficials say two men are dead after shots rang out at a Manhattan home improvement store on Sunday afternoon.Relationship between the victimsMore newsChild predator sentenced to prison3rd person dies from house party
  • 'Historic' storm to pummel east coast with snow

    25 Jan 2015 | 8:34 pm
    'Historic' storm to pummel east coast with snowGettyA massive storm barreling toward the Northeast has officials urging residents on Sunday to 'prepare for the worst' in the coming days. Jaw-dropping snowfall anticipatedMore to seeShoveling snow the right wayFirst storm blasts the Northeast
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  • 'I have lost the ability to read, write'

    25 Jan 2015 | 8:34 pm
    'I have lost the ability to read, write'Getty'Housewives' star Yolanda Foster's Lyme disease relapsed last month -- and she's speaking out about its debilitating effects.First sign of the diseaseMore from Everyday Health11 natural weight-loss tipsExercise machines for hip pain
  • SAG Awards 2015: The full winners list

    25 Jan 2015 | 8:34 pm
    SAG Awards 2015: The full winners listGettyThe 2015 Screen Actors Guild Awards on Sunday was full of surprises and excitement as stars like Viola Davis racked up awards.TV series that scored multiple winsMore entertainment newsFollow the 2015 Awards SeasonSAGs: Best and worst-dressed
  • More tumors found in certain US regions

    25 Jan 2015 | 8:34 pm
    More tumors found in certain US regionsGettyA recent study uncovered a disturbing correlation between altitude and cancer.Locations with lower cancer ratesMore from Discovery NewsBlindness may be curableCan you predict alcoholism?
  • Horrific scene unfolds inside Home Depot

    25 Jan 2015 | 8:34 pm
    Horrific scene unfolds inside Home DepotInstagramOfficials say two men are dead after shots rang out at a Manhattan home improvement store on Sunday afternoon.Relationship between the victimsMore newsChild predator sentenced to prison3rd person dies from house party
  • 'Historic' storm to pummel east coast with snow

    25 Jan 2015 | 8:34 pm
    'Historic' storm to pummel east coast with snowGettyA massive storm barreling toward the Northeast has officials urging residents on Sunday to 'prepare for the worst' in the coming days. Jaw-dropping snowfall anticipatedMore to seeShoveling snow the right wayFirst storm blasts the Northeast
 
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  • 'I have lost the ability to read, write'

    25 Jan 2015 | 8:34 pm
    'I have lost the ability to read, write'Getty'Housewives' star Yolanda Foster's Lyme disease relapsed last month -- and she's speaking out about its debilitating effects.First sign of the diseaseMore from Everyday Health11 natural weight-loss tipsExercise machines for hip pain
  • SAG Awards 2015: The full winners list

    25 Jan 2015 | 8:34 pm
    SAG Awards 2015: The full winners listGettyThe 2015 Screen Actors Guild Awards on Sunday was full of surprises and excitement as stars like Viola Davis racked up awards.TV series that scored multiple winsMore entertainment newsFollow the 2015 Awards SeasonSAGs: Best and worst-dressed
  • More tumors found in certain US regions

    25 Jan 2015 | 8:34 pm
    More tumors found in certain US regionsGettyA recent study uncovered a disturbing correlation between altitude and cancer.Locations with lower cancer ratesMore from Discovery NewsBlindness may be curableCan you predict alcoholism?
  • Horrific scene unfolds inside Home Depot

    25 Jan 2015 | 8:34 pm
    Horrific scene unfolds inside Home DepotInstagramOfficials say two men are dead after shots rang out at a Manhattan home improvement store on Sunday afternoon.Relationship between the victimsMore newsChild predator sentenced to prison3rd person dies from house party
  • 'Historic' storm to pummel east coast with snow

    25 Jan 2015 | 8:34 pm
    'Historic' storm to pummel east coast with snowGettyA massive storm barreling toward the Northeast has officials urging residents on Sunday to 'prepare for the worst' in the coming days. Jaw-dropping snowfall anticipatedMore to seeShoveling snow the right wayFirst storm blasts the Northeast
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    Bible Money Matters

  • How To Run A Successful Crowdfunding Campaign

    Joseph Hogue, CFA
    23 Jan 2015 | 7:34 am
    Crowdfunding has made it simple to raise money for nearly every type of business, social cause or personal project. How can you run a successful campaign? The post How To Run A Successful Crowdfunding Campaign appeared first on Bible Money Matters and was written by Joseph Hogue, CFA. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • Amazon Echo Review: Voice Controlled Bluetooth Speaker And Virtual Assistant

    Peter Anderson
    19 Jan 2015 | 10:19 pm
    I purchased the Amazon Echo Bluetooth speaker and virtual assistant shortly after it launched. So how does it sound, and Is it worth the money? The post Amazon Echo Review: Voice Controlled Bluetooth Speaker And Virtual Assistant appeared first on Bible Money Matters and was written by Peter Anderson. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • The Financial Hope Conference – Creating Hope For A Smoother Financial Journey

    Melissa
    19 Jan 2015 | 6:07 am
    You have likely heard of Steve and Annette Economides, otherwise fondly referred to as America’s Cheapest Family.  The Economides raised five children while living on Steve’s modest income alone, and they did it without debt (save for a mortgage that they paid off within 11 years). The Economides have written three books: America’s Cheapest Family […] The post The Financial Hope Conference – Creating Hope For A Smoother Financial Journey appeared first on Bible Money Matters and was written by Melissa. Copyright © Bible Money Matters - please visit biblemoneymatters.com for…
  • How I Save… By Cutting Costs On Things I Already Pay For

    Peter Anderson
    16 Jan 2015 | 2:00 am
    One of the best ways to save money is to cut costs on your regular monthly bills that you'd be paying for anyway. Here's how I save. The post How I Save… By Cutting Costs On Things I Already Pay For appeared first on Bible Money Matters and was written by Peter Anderson. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • Amazon Fire TV Stick Review: A Device For The Cord Cutter’s Toolbox

    Peter Anderson
    15 Jan 2015 | 11:40 am
    A couple months ago I got an email from Amazon allowing me to pre-order their newest video streaming device, the Amazon Fire TV Stick. Here's my review. The post Amazon Fire TV Stick Review: A Device For The Cord Cutter’s Toolbox 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

  • How Long Does it Take to Get Your Tax Refund?

    Bob
    23 Jan 2015 | 9:00 am
    Have you done your taxes yet? Like many people, as soon as I finish, I like knowing when my refund check is going to be deposited. Here are some ways to not only know when you’ll get your refund check, but some tips on how to get it faster. Let’s start with the quickest way to get your refund. The Quickest Way to Get Your Refund It is probably common knowledge that you will get your tax refund quicker when you choose the direct deposit option. You also should E-file your tax return if possible and as I mentioned in a post I wrote about getting free state tax filing you should…
  • Is the Home Office Deduction a Red Flag to the IRS?

    Kevin
    19 Jan 2015 | 9:00 am
    People commonly believe that the home office deduction is a red flag to the IRS. But is it? Here’s a clue: the IRS doesn’t publish its red flags! The idea that any deduction constitutes a red flag is pure speculation, generally brought about by excessive media attention, particularly to significant IRS actions. The idea that the home office deduction is a red flag came about largely in the early 1990s, when a doctor had his home office deduction overturned by the IRS due to the fact that he also worked in three different hospitals. The IRS took the position that since he spent most of his…
  • How to File Your State Income Tax Online for Free

    Bob
    16 Jan 2015 | 5:00 am
    It isn’t too difficult to find a place to file your federal tax return for free, but finding a service to file your state return for free is another story. I did a little digging and found a few options to consider . . . . How to File Your State Return for Free! As you have probably noticed, many places offer a free filing of a Federal return but don’t offer free state filing. But there are a few ways to get your state tax return done for free. Free State Tax Filing Websites TurboTax Absolute ZERO – The free version of TurboTax is available to these filers according to their…
  • 20 Fabulous DIY ideas for Home Shelving

    Dawn
    14 Jan 2015 | 8:32 am
    One of the key items to bring harmony to my home is simply… organization.  There is nothing like coming home to a clean and organized house. Whatever I can do to make my life easier, less stressful, I totally take advantage of.  When things are in order, it’s a peace of mind.  There’s no frantic searching for a particular item or sensory overload as you look at eyesore chaos.  A simple way to create organization in your house is to give a place for everything, and shelving does just that… it gives a variety of items a home. I’m on a mission to find some…
  • The Best 5 Work-from-Home Jobs from Someone Who Has Tried Them All

    Guest
    12 Jan 2015 | 9:00 am
    Note from Bob: This article was written from Christen P, someone who really has tried a ton of the work-from-home jobs out there. I asked her to share her experience with the 5 best ones out there, and she was gracious enough to oblige.  So if this is something you are looking into, enjoy! Working from home is an excellent option for people who want to be with their families and still earn a living. When you work from home you can usually build a lot of flexibility into your schedule so that you can attend school functions for your children, care for sick family members, and tend to your…
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    PT Money

  • 5 Tips for a Better Work-Life Balance in 2015

    Jason Price
    13 Jan 2015 | 8:35 am
    As a technology professional by day and personal finance blogger by night, I have to be careful to make sure my work and life are in proper balance.   If not, I can really start to feel the stress, fatigue and all the other ill feelings that come with letting work overload or sit in first place in my life. I’ve been working in my professional career for 14 years and you’d think I would have it all figured out. Keep work over here and the rest of my life over there and all will be good! Ha, that’s far from my reality more often than I’d like to admit. Work has its…
  • Citi ThankYou Prestige Card Review – AA Admirals Club Access

    Michael Pruser
    8 Jan 2015 | 1:31 pm
    Widespread respect and admiration felt for someone or something on the basis of a perception of their achievements or quality.  The Citi ThankYou Prestige Card is one of the few cards that adequately defines itself just by name, but does so at a pretty big expense to it’s cardholder. Citi ThankYou Prestige Card Review In March of 2014, American Express platinum cardholders lost the ability to check into AA Admiral’s Club lounges.  In a strange turn of events, American Airlines dropped that partnership, and instead partnered with Citi.  Immediately thereafter, Citi took…
  • Republic Wireless Review: It’s Time to Leave AT&T and the iPhone Behind

    Philip Taylor
    7 Jan 2015 | 10:39 am
    Don’t you hate that high cell phone bill? For the past couple of years I’ve been generally unhappy with paying so much for our cell phone service. $150 a month?! I thought there had to be a better way. What stopped me from making a change was the iPhone. I just didn’t think I could leave it. Well, I finally made the switch and I don’t really miss my iPhone. I’m also saving around $25 a month. What am I using now? I’ve been using Republic Wireless’s Moto X (1st Gen) for over three months now (I was previously with AT&T and had an iPhone 4). Mrs.
  • Final 2014 Signal Speculator Portfolio Update (+33%) – I Won the Throwdown!

    Philip Taylor
    2 Jan 2015 | 10:19 am
    Happy New Year! As you may remember, I dabbled in stock speculation in 2014. It was all part of a “Grow Your Dough Throwdown” in which I competed with other financial bloggers to pick investments for the year. Turns out, I won! My initial $1,000 portfolio appreciated by 327.05. That’s a 33% return on my money. Not bad, right!? Here’s how I did it. Jan 2 – Buy 59 shares of ADEP for $1,007.59 Mar 17 – Sell 59 shares of ADEP for 1,029.68 Mar 20 – Buy 161 shares of MGPI for 1,030.91 June 30 – Sell 161 shares of MGPI for 1,258.51 Sep 25 – Buy…
  • The Cash Flow Analysis for Our Rental Property at Year End 2014

    Philip Taylor
    31 Dec 2014 | 12:00 pm
    Another year has passed and it’s time once again to report on the progress of our rental property. To see 2013 and before, visit the link at the bottom of the post. I had a few negative things happen this year that could have ruined the year. First, my tenant broke his lease. This was somewhat expected. He’d been telling me that a job change was coming. The transition was uneventful and I only had five days of vacancy. And…I was able to raise the rent by $100 a month! Second, I screwed up a DIY repair. The shower valve went bad last winter and I attempted unsuccessfully to…
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    RetirementRevised

  • Debunking the top 10 myths about Social Security

    Mark Miller
    24 Jan 2015 | 3:57 pm
    Social Security is going bankrupt. It’s a Ponzi scheme. The program’s trust fund contains nothing but a bunch of worthless IOUs. Those are just a few of the comments we hear frequently from journalists, politicians, and policymakers about Social Security. But they’re all false–and that’s a big problem. Social Security is one of our most important linchpins of retirement security, yet discussion and analysis of the program and its future are remarkably fact-free. So, let’s dispel the fog. Here’s my list of the top 10 myths about Social…
  • Who would pay more if we lift the cap on payroll taxes?

    Mark Miller
    23 Jan 2015 | 8:13 am
    Progressives have been arguing for some time now that one of the best ways to close Social Security’s long-range funding gap would be to lift the cap on maximum wages subject to payroll taxes. This year, the cap is $118,500; there’s a basic fairness argument here, in that a wage-earner below that figure is taxed on every dollar of earnings, while those above pay progressively lower rates on total income. Scrapping the cap fits the populist agenda that Democrats are starting to embrace. It’s been proposed by several Senate Democrats and it would have been a great fit with…
  • Romney’s huge IRA makes a comeback in Obama retirement proposal

    Mark Miller
    21 Jan 2015 | 2:49 pm
    It was a memorable moment in the 2012 presidential race. In their October 16 debate, Defending his blind trust investments, Gov. Romney said: ROMNEY: Just going to make a point. Any investments I have over the last eight years have been managed by a blind trust. And I understand they do include investments outside the United States, including in — in Chinese companies. Mr. President, have you looked at your pension? Have you looked at your pension? OBAMA: I’ve got to say… ROMNEY: Mr. President, have you looked at your pension? OBAMA: You know, I — I don’t look…
  • State plans for low-income retirement saving gain momentum

    Mark Miller
    15 Jan 2015 | 7:13 am
    Illinois State Senator Daniel Biss. My home state of Illinois is not the first place that comes to mind for innovative approaches to retirement savings. We are much more infamous for our pension plan for state workers, which is the worst-funded in the country. But Illinois just became the first U.S. state to adopt a promising new approach to a big problem in the nation’s retirement saving system: the lack of workplace saving options for low-income workers. Starting in 2017, companies that do not offer retirement plans will be required to automatically sign up their workers for a…
  • Why pension plan lump sums are a trap for the unwary

    Mark Miller
    12 Jan 2015 | 12:19 pm
    Steve Vernon If you work for a company with a pension plan, don’t be surprised if you get an offer soon for a lump sum buyout – a deal where you accept a pile of cash in exchange for the promise of lifetime income when you retire. The price tag for these offers is especially attractive right now, from the plan sponsor’s perspective. But are lump sums a good deal for workers? RetirementRevised.com has teamed up with actuarial expert Steve Vernon to offer a free guide explaining why lump sum deals often are a trap for unwary pension plan participants. Writes Steve: I worked for 35 years…
 
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    Intelligent Speculator

  • New Trade: Long Priceline ($PCLN) & Short IAC Interactive ($IACI)

    IS
    13 Jan 2015 | 1:00 am
    Things are looking better than even 48 hours ago as the AOL rumours seem to be calming down so my 2 current trades are basically flat. Hopefully the recovery keeps up. Today, I’m opening a new trade on two of the “older” stocks among the tech stocks that I follow, I’ve had good success trading both in the past so hopefully this will keep up. You can see my long & short trades here: http://www.intelligentspeculator.net/livetrades Let’s start off by looking at the numbers: TickerNamePricePE RatioPE Next YearReturn YTDSales GrowthAnalyst ratingBook…
  • New Trade: Long Tripadvisor ($TRIP) & Short Blue Nile ($NILE)

    IS
    9 Jan 2015 | 1:00 am
    Wow… So on Monday I opened my first long & short trade of the year. I mentioned in that post that I was shorting AOL despite having a hard time reading the company in recent years mostly because those takeover rumours seemed blown over. Then, the next day, news comes out that Verizon (VZ) has/is considering taking over AOL. Then yesterday activist investor Starboard asks Yahoo to more seriously consider buying AOL. Are you kidding me? Ah well. Win some and lose some but this is not the start I was looking for obviously. That trade is down almost 10% which is certainly bad news but I…
  • New Trade: Long Apple ($AAPL) & Short AOL Inc. ($AOL)

    IS
    5 Jan 2015 | 1:00 am
    Very exciting to be back with my long & short stock picks as I have not made such a pick since August!! Last year was phenomenal in terms of results (over 40%) and there is certainly a lot of pressure. A reader asked me if given the results I was going to increase the amount of money into these trades. The answer is yes but only very slightly. I currently have 10-15% of my portfolio in these picks and know too well that these picks can be extremely volatile. I`d be more than happy with a 10% return,especially given how little correlation this portfolio has with the overall portfolio. In…
  • Top 100 Dividend Stocks – 2015 Edition

    IS
    2 Jan 2015 | 1:00 am
    Ah! I have been rather quiet on this blog in the past few weeks haven’t I? A big part of it was being incredibly busy but also having little trading to do. That is about to change as we get ready for the New Year. First off, I’d like to wish all of you a very Happy New 2015 Year. To start off the New Year, before opening a few new long & short trades next week, I wanted to publish a recent edition of the top dividend payers in the S&P500. In my next Ultimate Sustainable Dividend Portfolio update, I’ll certainly start looking for new names to be added and I always…
  • Closing My Final 2014 Long & Short Tech Stock Pick

    IS
    29 Dec 2014 | 1:00 am
    As has been the case in past years, I’m now going to close existing long & short tech stock picks. Why? Mostly because for tracking purposes, I prefer starting from scratch every year and evaluating my returns by year. Many of you know that I only have 1 remaining trade to close: -Long Microsoft (MSFT) & Short AOL Inc (AOL) As of my writing this, that trade is down 8% or so which is not great but given the year, I won’t complain. More on that in a second. But first, let’s take a quick look at how both stocks performed since opening the trade on May 27th. I remain a…
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    Don't Quit Your Day Job...

  • The DQYDJ Weekender, 1/25/2015

    PK
    25 Jan 2015 | 12:58 am
    I hope you weren’t deflated to not wake up to a DQYDJ weekender yesterday – we warmed it up for you to read it today. Links We Liked! We feature lots of Financial Uproar because Nelson delivers interesting stuff like this takedown of poor money management from an affluent Canadian couple. Even more tough love from Canada at Save. Spend. Splurge.  When did you last check your mutual fund performance?  How did you buy them? An excellent post on intrinsic value, liquidity, and real interest rates over at Philosophical Economics. Ironman at Political Calculations notes that jobs…
  • Yet More Retrospectives: Past Stock Contest Picks

    PK
    21 Jan 2015 | 4:20 am
    I know, you’re probably getting sick of these at this point – but what’s the point of maintaining a website for 6 years if we don’t go back and check out some of the silly/smart claims we made in the past?  Also, this will be the last one for a while, at least until we talk about our savings rate around tax time: a retrospective looking at how we’ve done in our friend Nelson’s stock contest (of Financial Uproar fame). So, let’s make this quick: in a somewhat unrealistic take on investing, notably: Dividends aren’t reinvested Purchased stocks…
  • More Retrospective: My Performance vs. the S&P 500

    PK
    19 Jan 2015 | 4:40 am
    I’ve been an investor for a while now, but I bought my first individual stocks on 3/3/2009 – fortuitously (through luck or skill or otherwise), just 6 days before the market’s ultimate bottom.  Those purchases were very successful, and all proceeded to beat the broader S&P 500 rally from that point. Over the last 18 months or so, the individual portion of my portfolio has lagged the S&P 500 and this article is an audit of my performance, and a look at how I’ve done versus the, (in my opinion), beatable S&P 500 index. Which is, of course, beating me. Back…
  • The DQYDJ Weekender, 1/17/2015

    PK
    17 Jan 2015 | 9:14 am
    Good week so far?  Yes?  No?  (And which day is a ‘week’ considered over?). From a site-runner’s perspective, it’s nice to see the traffic that disappeared in the holidays (and more!) come back in the early year numbers.  But, let’s be honest – we’re just biding time until the tax articles, a topic that Cameron knows under-serves some income brackets and tax situations… ever consider where the bulk of tax articles are generally targeted? Anyway, we’ve still got some stock and market commentary to get out of the way – I owe you a…
  • A Retrospective – Our Stock Contest Performance in 2014

    PK
    14 Jan 2015 | 4:02 am
    Since we gave you the justification for our picks on Monday, we also wanted to talk a bit about our trolling picks from last year – which earned us a rule named after us in the Financial Uproar Stock Picking Contest – namely, that any ETFs purchased had to be derived from stocks. Yes, we were winning through September – but since there is no way to lock in your gains in a year long contest (by definition!), we had to ride the two short volatility funds through to the end of the year.  So, yes, our “volatility tourism” failed us – but as we didn’t buy…
 
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    Quizzle Wire

  • 5 reasons you should be investing now

    Miranda Marquit
    23 Jan 2015 | 6:00 am
    “Now is absolutely the best time to invest,” says Stephanie Genkin, a financial planner and adjunct at NYU’s Schools of Professional Studies. “Don’t worry about where the market is and what stocks are doing.” Genkin’s point is that it doesn’t matter what is going on with the economy, or with the market. NOW is always the time to invest. “There’s no point in listening to what the experts on television say about whether you should get in now or wait to see where the market is heading,” she says. Instead of worrying about timing the market, the key is to plan for the…
  • How to Get Back on Track Financially If You Overspent This Holiday Season

    Melissa Batai
    21 Jan 2015 | 6:00 am
    You might have started the holiday season with a budget, but spending can easily get out of hand, especially if you feel pressured to give gifts to people you hadn’t intended to buy for.  You can get derailed by courtesy gifts to teachers, babysitters, hair dressers, mailmen, the list goes on and on.  Then there are those people who bought you a gift and now you need to reciprocate. If this sounds like your holiday season and you’re now facing a stack of bills, don’t despair.  There are easy ways to get your finances back on track in a month or two. Ways to Save Money One strategy…
  • Top Money Mistakes to Avoid if You Want to Be Rich

    David Quilty
    16 Jan 2015 | 6:00 am
    Some money mistakes are easy to overcome, while others take a much longer time to repair. We all hope to one day be rich, quit our jobs, and retire early, but hardly any of us see this dream realized. Why? Because we fall victim to common money myths, and it derails us from our desire to be rich. If you want to build wealth, here are the top money mistakes to avoid. Mistake #1: Believing finances will fix themselves. When it comes to your bank account, ignorance is not bliss. When you avoid facing the facts about how much debt you have, how little savings you’ve accumulated, and how off…
  • What’s really holding you back from having an 850 credit score?

    Krystal Beers
    15 Jan 2015 | 6:00 am
    As you already know, your credit score is an extremely important three digit number (an 850 credit score equals a perfect score). It sets the stage on whether you will get approved for a loan, and the interest rate you’ll pay on a new home loan, refinance or credit card. So, what if I told you there’s a tool out there that can show you what’s holding you back from having a higher credit score. And, what if I told you it’s free? I mean, there’s seriously something out there that can help you potentially get approved for a loan and a better interest rate. You want to know what it is,…
  • Pros and Cons of Being a One-Car Family

    Melissa Batai
    14 Jan 2015 | 6:00 am
    We’ve been a one car family the entire 14 years that we’ve been married.  Honestly, the first 10 years weren’t that difficult.  I worked in the suburbs of Chicago close to where we lived, and my husband worked downtown.  He simply walked a few blocks to the subway station each morning and night and took the subway to and from work.  I took the car. But, just recently, we moved to Tucson, Arizona.  We’re no longer living in the nearby suburbs.  Now, I have to drive my husband 15 minutes to the bus station where he takes a bus downtown.  In the afternoon, I drive 15 minutes to…
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    Get Out of Debt Guy

  • Should I Stop Making My Car Payments? I’m Depressed and Hate My Job.

    Steve Rhode
    22 Jan 2015 | 11:03 am
    “Dear Steve, I’m 27 year old single guy, currently working in an IT company, however these past few months has been a depressing experience, the first few months were fine and assuming that I will stay with the company, I bought a new car. The commute is almost 2 hours (one way). To cut it ... The post Should I Stop Making My Car Payments? I’m Depressed and Hate My Job. appeared...
  • Republican Senator Tells Hospitals to Stop Suing Poor People

    ProPublica
    22 Jan 2015 | 10:07 am
    by Paul Kiel, ProPublica, and Chris Arnold, NPR, Jan. 22, 2015, 5 a.m. This story was co-published with NPR. Sen. Charles Grassley said nonprofit hospitals could be breaking the law when they sue poor patients over unpaid bills and issued a stern warning to one Missouri hospital that he hopes reverberates nationwide. Citing a ProPublica ... The post Republican Senator Tells Hospitals to Stop...
  • This is One Way to Get FFEL Spousal Consolidation Loans Forgiven

    Steve Rhode
    22 Jan 2015 | 10:01 am
    “Dear Steve, I have been a government employee and/or public servant since 1991. I am now 45 and I hope to retire by age 72. In or around 2002, I consolidated my law school student loans with my then husband into both a FFEL subsidized and unsubsidized loan. The total amount consolidated was roughly $42,000. ... The post This is One Way to Get FFEL Spousal Consolidation Loans Forgiven...
  • FTC Reviews Credit Report Dispute Process and Reaches Conclusion

    Steve Rhode
    21 Jan 2015 | 1:22 pm
    The Federal Trade Commission has issued a follow-up study of credit report accuracy that found most consumers who previously reported an unresolved error on one of their three major credit reports believe that at least one piece of disputed information on their report is still inaccurate. The congressionally mandated study is the sixth and final ... The post FTC Reviews Credit Report Dispute...
  • FTC Calls Debt Collector Commercial Recovery Systems, Bullies

    Steve Rhode
    21 Jan 2015 | 1:13 pm
    The Federal Trade Commission has issued a complaint against a Texas-based debt collection operation and its current and former principals for illegally threatening consumers with false claims that unless they pay a debt, they will face legal action or wage garnishment. The complaint was filed in federal court on the agency’s behalf by the Department ... The post FTC Calls Debt Collector...
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    Creditshout

  • Ink Bold Business Card Review

    Kevin
    12 Jan 2015 | 4:52 am
    CREDITSHOUT RATING: Excellent Verdict: The Chase Ink Bold was a popular business charge card that was discontinued at the end of 2014. You can still choose between two Ink business cards: the Ink Plus and the Ink Cash, both of which offer great rewards. The Chase Ink Plus is a good alternative to the now retired Ink Bold card, giving you 5x points in popular business spending categories and the ability to transfer points to popular frequent travel programs. The card has a $95 annual fee, waived the first year. If you want a business card with no annual fee, the Chase Ink Cash card earns 5%…
  • Citi Forward Credit Card Review

    Kevin
    12 Jan 2015 | 4:17 am
    CREDITSHOUT RATING: Very Good Verdict: The Citi Forward was one of the best rewards programs around, earning 5 ThankYou points per dollar at book stores, theaters, fast food and restaurants. The Forward card and the student version were discontinued in 2014. If you’re looking for a rewards card that offers 5x points, check out the Discover it card instead. The it card earns 5% back on rotating categories and 1% back on all other spending with no annual fee. It also has a student version if you’re in college. The review below is now for reference purposes. Overview The Citi…
  • The Citi mtvU Platinum Select Credit Card Review

    Kevin
    12 Jan 2015 | 4:13 am
    CREDITSHOUT RATING: Very Good Verdict: The Citi mtvU card was popular among college students for more than seven years, but it was discontinued and coverted to the Citi Forward card in 2012 — which was then discontinued less than two years later. If you’re looking for a good student credit card to establish your credit and give you rewards, you have several great cards to choose from instead. If you’re interested in earning Citi ThankYou points, the ThankYou Preferred Card for Students is a good option. The card has a bonus offer of 2,500 points and it earns 1 point on all…
  • Citi ThankYou Card Review

    Clay Wyatt
    11 Jan 2015 | 8:25 am
    CREDITSHOUT RATING: Very Good Verdict: There are 3 Citi ThankYou cards available, but not all are necessarily worth the effort. The Citi ThankYou Preferred card is one of the best options with a 20,000 point sign-up bonus — redeemable for $200 in gift cards — no annual fee, and 2x points on restaurants and entertainment. If you’re looking for rewards on travel, entertainment or dining, the ThankYou cards are a good option. The two annual fee versions make your points worth up to 60% more when redeeming for airfare, among other perks. Overview Citi launched its ThankYou…
  • Discover Business Card Review

    Kevin
    9 Jan 2015 | 5:09 am
    CREDITSHOUT RATING: Very Good Verdict: The Discover Business card has no annual fee and earns up to 5% back. Unfortunately, the rewards are just not up to par with competitors, and you’ll earn as little as 0.25% back on spending with few perks. You’re better off with a different business card like the Chase Ink Cash card, which also has no annual fee but much better rewards. Discover Business Rewards Program The Discover Business card launched in 2006 as Discover’s first venture into the small business card industry. Its rewards program has been changed a few times, in some…
 
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    Credit Card Chaser

  • Should You Pay Off Your Child’s Debts and Loans?

    Alice
    16 Jan 2015 | 4:25 pm
    If you have a child, you are familiar with how expensive it can be to raise a son or daughter from birth to adulthood. However, your son or daughter may incur debt related to going to school, using a credit card to pay for living expenses or buying a home. If your child has significant debt, should you feel obligated to pay off that debt? Can You Afford It? The first question that you need to ask is whether or not you can afford to pay off your son or daughter’s outstanding debt. Unless you have maxed out your 401k or other retirement accounts, it may be more beneficial to put your…
  • Are You Throwing Your Money Away?

    Alice
    8 Jan 2015 | 4:32 pm
    Many people don’t keep close track of their spending and have no idea how much money they spend each month on things they don’t need. Taking a look at some of the things you spend your money on can help you stop throwing away money. Here are 10 ways in which you may be throwing away your money. 1. Food You might not think you could throw away money on a staple you need for survival such as food, but most people probably spend a lot more than than they need to. For example, if you are eating out every day for lunch, you are likely throwing away money. Say you are conservatively…
  • 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…
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    Ready To Be Rich

  • Retire Rich Webinar: A Financial Planning for Retirement Online Seminar

    Fitz
    25 Jan 2015 | 11:11 am
    Retirement is something that a lot of people look forward to. More often than not, we imagine ourselves enjoying our retirement years traveling around the world, and enjoying life to the fullest with our loved ones. However, it’s ironic that not a lot of people actually plan for their retirement. All they do is daydream, […]Note:This is just a preview. Read the full article at Ready To Be Rich by clicking this link: Retire Rich Webinar: A Financial Planning for Retirement Online SeminarAttend a FREE Personal Finance SeminarLearn practical money management and investing strategies…
  • It’s My Birthday, and I Have a Small Request

    Fitz
    23 Jan 2015 | 8:08 am
    Yes, you read that right – it’s my birthday today! If you’re my Facebook friend, then you’d know that I just came back from Mindoro. I spent several days in Puerto Galera to simply relax, bum around the beach and exchange travel stories with the locals and other backpackers. I’m back in Manila, and now […]Note:This is just a preview. Read the full article at Ready To Be Rich by clicking this link: It’s My Birthday, and I Have a Small RequestAttend a FREE Personal Finance SeminarLearn practical money management and investing strategies from the IMG…
  • How To Know If You’re Financially Stable

    Fitz
    19 Jan 2015 | 1:49 pm
    How do you know if you’re financially stable? If you have a high-paying job, does it automatically mean that you are? What if you own a house and drive your own car, would you say that you are financially stable already? For many, that’s how they define financial stability – and sadly, this is wrong. […]Note:This is just a preview. Read the full article at Ready To Be Rich by clicking this link: How To Know If You’re Financially StableAttend a FREE Personal Finance SeminarLearn practical money management and investing strategies from the IMG Wealth Academy. Get…
  • Research Shows 5 Effective Steps To Achieve Your Goals

    Fitz
    16 Jan 2015 | 12:33 pm
    “Writing a book is one of those things that I hope I could do someday,” shares a friend. “So what’s stopping you?” I asked. “Lack of time mostly,” he confessed. “There are weekends when I do have some free time, but then I find myself just staring on a blank page for hours.” “I guess […]Note:This is just a preview. Read the full article at Ready To Be Rich by clicking this link: Research Shows 5 Effective Steps To Achieve Your GoalsAttend a FREE Personal Finance SeminarLearn practical money management and investing strategies…
  • Never Had the Knack for Budgeting? Try these Budgeting Starter Tips to Kick-Start your Money-Saving Habits

    Fitz
    13 Jan 2015 | 12:35 pm
    It’s ironic that most people will say that budgeting is important, but only a few will actually create and religiously follow one. Tracking your expenses and sticking to a financial plan can be a challenge at first, but I will tell you now that – it gets easier through the years. In fact, it only […]Note:This is just a preview. Read the full article at Ready To Be Rich by clicking this link: Never Had the Knack for Budgeting? Try these Budgeting Starter Tips to Kick-Start your Money-Saving HabitsAttend a FREE Personal Finance SeminarLearn practical money management and…
 
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    Cash Flow Planning for Life

  • Are You An Independent Contractor That Knows Your Options?

    Mark
    9 Jan 2015 | 11:45 am
    Do you know what taxes you need to pay? Are you familiar with what tax forms you need to file? Do you have a tax strategy? There are many potential pitfalls that independent contractors should be aware of. Receiving a 1099 for income paid to you means it is time for you to review your options as an independent contractor. The key is to understand what taxes you are responsible for and what tax forms you need to file. As an independent contractor, not being prepared at the year-end can be very stressful. This is especially true if you find out you owe a large amount of money for taxes that you…
  • 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…
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    Simplified Saving

  • Ultimate DIY Bundle $34.95 ($1200+ Value)

    Lisa Thompson
    24 Jan 2015 | 7:42 am
    I love to craft and create, but I’ll be honest, it seems like there’s not enough time in the day to tackle all the fun projects I want to tackle.  And if I’m completely honest, I’m not a very good practical DIYer.  I’m great at making froofroo frilly fun projects for my own enjoyment, but things that are useful around the house tend to be outside my range of expertise. Right now there is a great bundle of books and courses designed for the person who’d like to be more DIY savvy (like me) and it’s filled with step by step instructions and projects…
  • Retail Coupon Roundup {1/23/2015}

    Lisa Thompson
    23 Jan 2015 | 4:12 pm
    If you’re planning on doing a little shopping this weekend, make sure to print off these great retail coupons before you go! Bealls - $10 Off $25 Purchase (exp: 1/27/2015) Bonton – $10 Off $25 Regular or Sale Price Purchase (exp: 1/25/2015) Carters – 20% Off $40 Purchase or 15% Off Entire Purchase (exp: 1/28/2015) Dress Barn – 20% Off Already Reduced Items 50% or More (exp: 1/25/2015) Express - $15 Off $30, $30 Off $100 or $40 Off $120 Purchase (exp: 3/1/2015) Justice - 40% Off Entire Purchase (exp: 2/2/2015) Kohls - $10 Off $30 Baby Gear, Furniture, Apparel &…
  • Restaurant Coupon Roundup {1/23/2015}

    Lisa Thompson
    23 Jan 2015 | 3:49 pm
    Eating out sure can get expensive, so I’m always on the lookout for deals to make it more affordable.  Below I’ve included the top printable restaurant coupons for this week! Au Bon Pain - $1 Off $5 Purchase (exp: 2/2/2015) Black Angus Steakhouse – $17.99 Top Sirloin Steak & Grilled Prawns Meal (exp: 2/12/2015) Blimpie – Free Regular Sub When You Buy Regular Sub & Drink (exp: 12/31/2015) Bob Evans – Buy 1 Get 1 Free Breakfast Entree When You Buy 2 Drinks (exp: 1/31/2015) Carrabbas – 15% Off Entire Meal Purchase (exp: 3/15/2015) Daphnes Greek Cafe…
  • Gameday Bacon Ranch Cheddar Dip

    Lisa Thompson
    22 Jan 2015 | 6:19 pm
      The Super Bowl is less than 2 weeks away, so I thought I’d share this quick and easy Bacon Cheddar Ranch Dip recipe.  This recipe is kid-friendly as kids not only love the taste, but they can whip it up on their own…it’s that easy! You only need 4 ingredients and it can be made in less than 5 minutes (you’ll want to let it chill in the fridge for an hour or so before serving for best results). Here’s what you’ll need: INGREDIENTS 16 oz Sour Cream 1 packet Ranch Dip 6 strips precooked microwavable Bacon 1 cup shredded Cheddar Cheese DIRECTIONS…
  • Restaurant Coupon Roundup {1/16/2015}

    Lisa Thompson
    16 Jan 2015 | 4:41 am
    Eating out sure can get expensive, so I’m always on the lookout for deals to make it more affordable.  Below I’ve included the top printable restaurant coupons for this week! Au Bon Pain – $2 Off $7 Purchase (exp: 1/19/2015) Black Angus Steakhouse – $17.99 Top Sirloin Steak & Grilled Prawns Meal (exp: 2/12/2015) Blimpie - Free Regular Sub When You Buy Regular Sub & Drink (exp: 12/31/2015) Corner Bakery - $3 Off Corner Combo (exp: 1/23/2015) Daphnes Greek Cafe – $2 Off Any Entree (exp: 1/31/2015) Dickeys Barbecue Pit - Buy 1 Get 1 Free Sandwich Plate…
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    Personal Dividends

  • 3 Ways to Take Your Business to the Next Level This Year

    Miranda Marquit
    20 Jan 2015 | 5:00 am
    Entrepreneurs often find themselves wondering what to do next. As an entrepreneur, what can you do to boost your business in the coming year? What moves can you make to take your business to the next level? As you might imagine, the best moves to make depend largely on where you are right now, and what your business goals happen to be. However, there are a few things that you can do as an entrepreneur to lay a foundation for future success. Here are 3 ways to take your business to the next level this year. 1. Outsource Some of Your Mundane Tasks Many entrepreneurs have a hard time letting…
  • How to Set One Financial Goal for the New Year

    Miranda Marquit
    6 Jan 2015 | 5:00 am
    Like many people, there are lots of things I could be doing differently with my finances. And, with a new year under way, it’s tempting to list out all of those areas in which we feel we are falling short and attempt to fix them all at once. This approach, while it can be satisfying for a few minutes while you are drawing up ambitious plans to complete right all that’s wrong with your money in a single year, is often doomed to failure. Most financial goals require multiple steps to complete, and require a great deal of planning. It’s no wonder that many consumers are disappointed and…
  • 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…
 
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    Money Watch

  • goHenry’s New Features Aim To Make Saving A Habit For Young People

    Rob Lewis
    13 Jan 2015 | 3:43 pm
    goHenry – the family banking tool that empowers young people between the ages of 8 and 18 to save, spend and learn about money – has announced a new feature which aims to help children and teens to easily budget and save. The feature has been introduced to kick off the New Year, when many of us set new goals for our financial lives. It’s been designed to encourage and motivate young people to plan and spend their pocket money and allowances wisely and stay within their means. Children and teens using goHenry now have the option to create multiple Savings Goals so they can save for…
  • 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…
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    Yes, I Am Cheap

  • 2014 Year In Review and January 1 Debt Check

    Sandy Smith
    7 Jan 2015 | 10:13 am
    I’ve been away from my blog for way too long.  I feel like I’ve entered a confessional and should be asking for penance.  Since I’m not Catholic, I’m not exactly sure how that works, so my Catholic friends can advise me. You want to know how my 2014 ended, don’t you.  I had a seriously ambitious goal of repaying $28,000 from my debt in 2014.  Since I had also borrowed $10,000 from my mom, I also had mom to contend with.  Not only did I hit my goal, I beat it by a couple hundred bucks and mom was paid in full.  You want to know how I did it.  As always,…
  • Infographic: 10 Best Selling Products In The World

    Sandy Smith
    26 Dec 2014 | 8:23 am
    The Christmas buying season might just about be over, but we’re not flocking to stores to throw money at the sales people just around the holidays.  I have an interesting infographic showing the 10 best selling products in the the world.  I was somewhat surprised  to see that books and a certain low tech puzzle toy both made the list! Do you every buy any of these 10 best selling products in the world?  I know that my small addiction to a particular beverage helped to put it on top!   Created by: comparisons.financesonline.com
  • 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…
 
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    Money Reasons

  • 2014 Year End Financial Results

    Money Reasons
    15 Jan 2015 | 7:55 pm
    So how did I do this past year, especially with respect to net worth and my “Secret Wealth Goal“?First the good news!  Near the end of 2014, my net worth finally crossed over into the PAW (Prodigious Accumulator of Wealth) status that is mentioned in the book the “The Millionaire Next Door“.  This is the first time this has happened to me, and I have to admit I was pretty ecstatic!Second, the even better news!  For 2014, my “Net Worth to Accumulated Salary” Ratio (again from my Secret Wealth Goal mentioned above) is now 51.43% (vs 37.40% for the end of year…
  • Cheap Workout Report 13 – The Sickness

    Money Reasons
    15 Jan 2015 | 6:57 pm
    Maybe it’s because this would be my 13th report (pretty spooky huh…), but sadly, I’ve been derailed in my workout efforts!Everything was humming along nicely, then BAM we had Christmas at my house this year and someone was sick, and so I got sick as a side result.  It was bad, in fact it was so bad that the week I took off from work I ended up spending mostly in bed sick!it’s started out as a cough, but by the third day I was pretty bad.  I was coughing up badness for two weeks, then it stopped.  The coughing subsided and I thought I had beat it, I was wrong. …
  • Cheap Workout Sunday Report 12

    Money Reasons
    24 Dec 2014 | 4:42 pm
    Short intro this week, it’s Christmas eve today (yeah, I’m late in writing this article…  I worked out on Tuesday.Bench (I think I need to slow down on this, but it hard to do so):45 lbs –   8 reps – nothing to say.135 lbs – 8 reps (easy set, still sore)185 lbs – 6 reps (Good warmup set!)205 lbs – 6 reps (Routine now…)225 lbs – 6 reps (Got six, and almost went for 7 reps, but decided why risk it…)165 lbs – 8 reps (Strict form, but easy.)Curls (Arms are sore today…) 25 lbs – for 8 reps35 lbs – for 8 reps45 lbs – for 8 reps. (hard but…
  • 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…
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    Financial Woman

  • Should You Hire a Financial Advisor?

    Camille Gaines
    29 Dec 2014 | 9:01 am
    Should you hire a financial advisor? CBS Moneywatch has one of the best articles I’ve seen explaining the costs and advantages of hiring a financial advisor to invest your money vs. investing yourself with index funds. You may have read it here before, but just like with everything else you buy, it only makes sense to know how much you’re spending on wealth management….yet many people, especially women, feel intimidated to ask their financial advisor their total fees and expenses. Financial Woman Insights:  1. The cost of wealth management (percentage wise usually declines…
  • 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…
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    Smart Balance Transfers

  • Choosing The Best Balance Transfer Credit Card

    Jason Steele
    23 Jan 2015 | 4:00 am
    The market for credit cards with 0% APR balance transfer offers is constantly changing, and credit card applicants need to stay on top of the latest offers in order to choose the best one. Currently, there are a handful of credit cards with promotional financing offers that rise above the rest. Here are some of the […]
  • Top Reward Cards With Balance Transfer Offers

    Jason Steele
    21 Jan 2015 | 4:00 am
    There are some credit card users who need a balance transfer offer, but can still benefit from a reward credit card. Thankfully, there are several reward credit cards that come with competitive promotional financing terms. Here are some of the top cards that do both well: Citi’s new Double Cash is a reward card that […]
  • Best Reward Credit Card Deals For January

    Jason Steele
    19 Jan 2015 | 4:00 am
    There is nothing quite as valuable as cash back rewards, and the credit card industry is so competitive, that card issuers compete to offer the most cash back. This January, applicants have several valuable offers to choose from that offer cash back, as well as promotional financing opportunities. – $100 Bonus New applicants can earn […]
  • Best Travel Reward Promotions For January

    Jason Steele
    16 Jan 2015 | 4:00 am
    Reward credit card users love earning travel rewards, and there are many credit cards that meet this need. This January, credit card users can choose from several outstanding products that offer points toward free hotel rooms and other travel reservations. New applicants can earn 40,000 Hilton HHonors Bonus points after spending $1,000 within four months of […]
  • Best 0% APR Offers For January

    Jason Steele
    14 Jan 2015 | 4:00 am
    In January, many credit card users will still want a card that offers 0% APR financing on new purchases. These offers are ideal for financing large upcoming expenses without having to pay the standard interest rate. Thankfully, there are several outstanding offers available to new applicants at this time. This card offers 0% APR introductory financing […]
 
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    Credit.com

  • The 4 Tax Forms You Should Be Getting Soon

    Christine DiGangi
    24 Jan 2015 | 9:01 pm
    You may have already started receiving tax forms in the mail. You know what I’m talking about — the envelopes are marked in big block letters, “IMPORTANT TAX DOCUMENTS ENCLOSED.” If you haven’t received any yet, you should soon, and for some people, you’ll be getting many pieces of mail like that over the next few weeks. Getting your taxes done quickly and accurately requires you to organize your necessary documents and know when something’s missing, and looking at last year’s tax return is a good way to help you do that. “Unless things change…
  • Why Isn’t My Credit Score Going Up?

    Stacy Johnson
    24 Jan 2015 | 9:01 pm
    Sometimes getting ahead feels more like a herd of turtles than a rabbit. That’s especially true when it comes to credit scores. Check out this reader question, and see if you can relate. Hi! I have a question for you. I’ve been working on improving my credit score for about three years now, but I cannot seem to raise it above 640. I have a few credit cards, with decent limits, not as high as I would like, and low utilization, a car loan, and nothing in collections for a few years. My credit reports say that low credit limits and time limits are hurting me, as well as the collection from…
  • The Forgotten New Year’s Resolution: Life Insurance

    AJ Smith
    24 Jan 2015 | 9:01 pm
    We’re not even through January and our great intentions for 2015 have likely already begun to waver. If that doesn’t apply to you, that is amazing, and you should be proud. But, let’s go back to 2014, when we were all excitedly planning our resolutions in the first place. Whether we wanted to get in better shape, cook more often, try for a raise at work or spend more time on creative pursuits, we were probably ignoring a crucial aspect of our financial well-being: life insurance. What It Is First things first: What is life insurance, again? It’s a form of financial protection…
  • 3 Factors That Affect Your Social Security Benefits

    AJ Smith
    23 Jan 2015 | 9:01 pm
    The U.S. government provides money to retired, unemployed and disabled persons through the Social Security Administration. People who pay into the system through payroll taxes for at least 10 years receive a financial safety net upon retirement. The amount you receive from Social Security is supposed to replace some, but not all, of your pre-retirement income and several factors affect exactly how much you will receive. Find out about those factors below so you can plan ahead and work to maximize your benefits. 1. Retirement Age The age you decide to start receiving Social Security payments…
  • 5 Tips for a Frugal & Fun Valentine’s Day

    AJ Smith
    23 Jan 2015 | 9:01 pm
    If you have a significant other, you know how stressful Valentine’s Day can be – stressful and expensive. From cards and gifts to flowers and dinners, your wallet can face a hit worse than during the holiday season. Love-struck consumers dish out billions every year, but you don’t have to go broke to make your partner happy. Check out the below tips on how to make Feb. 14 special on a budget. 1. Try Hanging In Instead of Going Out Why do you want to spend this holiday in a crowded place with a bunch of strangers? Consider letting your relationship marinate indoors this year and bring…
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    The Allstate Blog

  • 7 Ways to Save Money on Small Business Travel

    Nicole Markle
    22 Jan 2015 | 4:06 am
    If you consider a business trip an inconvenience, an interruption from “real work” or an unnecessary expense, you’re not alone. With email, texting and videoconferencing available today, why would you actually pay to go see clients and vendors, right? Not so fast, says small business expert Rhonda Abrams. “You should consider travel an invaluable investment in your small business and one of the smartest ways to build your business,” says Abrams, a business columnist for USA Today and CEO of The Planning Shop, a publisher of entrepreneurship and small business resources. “Even…
  • 6 Affordable Ways to Update and Improve Your Car

    Brendan
    21 Jan 2015 | 3:00 am
    You might think of your car as simply a conveyance that gets you from point A to point B, but maybe it’s a few years old and you are ready for an upgrade. Buying a new car may be an option, but it’s no small expense and may not be practical for you to add new or potentially higher car payments to your monthly bills. Fortunately, there are some simple ways you can upgrade your car’s appearance and features without spending a ton. Check out the six low-cost or do-it-yourself car upgrades below to learn how to make your car feel newer, inside and out. Auto Insurance Basics &…
  • The Top 4 Reasons to Make a Will

    Nicole Markle
    20 Jan 2015 | 4:07 am
    More than half of American adults don’t have a will, says a survey by legal website RocketLawyer.com. Are you among them? Although creating a will can raise sensitive end-of-life questions, it can also help you and your family protect what matters most. Consider these four important reasons for making a will. You Decide Who Executes Your Estate Who will manage your estate when you pass? If you die without a will (i.e., dying “intestate”), a court will appoint an executor to manage and direct your estate, including distributing your possessions and appointing guardians for minor…
  • SUV Alternatives: What Are My Options?

    Brendan
    14 Jan 2015 | 3:16 am
    You may think your ideal vehicle is an SUV because you want features such as lots of cargo space, extra seating, towing capacity or four-wheel drive. But you may be deterred from purchasing giant SUVs by issues like poor fuel economy, a large price tag and difficulty maneuvering in smaller spaces, according to Kelley Blue Book (KBB). So what do you do if you want more space but can’t manage an SUV? Auto Insurance Basics & MoreLearn more about how to protect your ride with auto insurance. Explore Look for an alternative. SUV alternatives can include anything from a minivan to a…
  • Winter Fire Safety: Keep Fire Hydrants Clear of Snow

    Cristel Mohrman
    13 Jan 2015 | 4:00 am
    When winter is at its coldest, you may want to spend most of your time inside. However, it’s important to keep an eye on what’s happening outdoors, too. Wintry weather can create fire safety hazards, such as ice or heavy snowfall that can obstruct fire hydrants. You can help reduce the risk by keeping nearby fire hydrants accessible and clear of ice and snow, says the Federal Emergency Management Agency. Why It Matters In an emergency, every second matters. Fire hydrants that are blocked, concealed or difficult to access due to snow or ice can impede emergency fire response, say…
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    Centsible Life

  • Budget-Friendly Nail Polish Subscription with Julep

    Kelly
    23 Jan 2015 | 4:00 am
    Centsible Life's feed has moved! Update your reader now. This feed has moved to: http://www.thecentsiblelife.com/feed/ Update your reader now with this changed subscription address to get your latest updates from Centsible Life.
  • 25 tips to slash your restaurant spending in half

    Kelly
    22 Jan 2015 | 4:00 am
    Centsible Life's feed has moved! Update your reader now. This feed has moved to: http://www.thecentsiblelife.com/feed/ Update your reader now with this changed subscription address to get your latest updates from Centsible Life.
  • LEGO Mini Marble Maze Valentine’s Day Gift for Kids

    Tonya Staab
    21 Jan 2015 | 4:00 am
    Centsible Life's feed has moved! Update your reader now. This feed has moved to: http://www.thecentsiblelife.com/feed/ Update your reader now with this changed subscription address to get your latest updates from Centsible Life.
  • Tips to stay healthy this winter with Vicks {sponsored}

    Kelly
    20 Jan 2015 | 4:00 am
    Centsible Life's feed has moved! Update your reader now. This feed has moved to: http://www.thecentsiblelife.com/feed/ Update your reader now with this changed subscription address to get your latest updates from Centsible Life.
  • Centsible Sunday Roundup January 18th

    Kelly
    18 Jan 2015 | 11:26 am
    Centsible Life's feed has moved! Update your reader now. This feed has moved to: http://www.thecentsiblelife.com/feed/ Update your reader now with this changed subscription address to get your latest updates from Centsible Life.
 
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    The Daily Reckoning

  • Peter Thiel Explains What Backs the U.S. Dollar

    Chris Mayer
    23 Jan 2015 | 1:52 pm
    This post Peter Thiel Explains What Backs the U.S. Dollar appeared first on Daily Reckoning. Peter Thiel seems an unlikely source for such an important monetary insight. He’s a hedge fund manager and venture capitalist. He was the first outside investor in Facebook. And perhaps most famously, he’s one of the co-founders of PayPal. Then again, maybe he’s not so unlikely a source. PayPal, after all, is a payment system. In those days, Thiel thought deeply about money. Why people would accept PayPal as a payment system. And how it would link up with banks and credit cards. “When I was…
  • Could Steak Really Cause Arthritis?

    Stephen Petranek
    23 Jan 2015 | 12:06 pm
    This post Could Steak Really Cause Arthritis? appeared first on Daily Reckoning. Did you see all the crazy health recommendations that came out in 2014?: Blood pressure guidelines went up The statins debate got heated — are they really wonder drugs, or are the side effects worse than the cure? A new study published in The New England Journal of Medicine came out with some shocking findings that you might not be eating enough salt The journal Nature reports some disturbing news about artificial sweeteners that may change everything you think about using them. Soon, people might start…
  • Now’s the Time to Buy Housing Stocks – While They’re Cheap

    Greg Guenthner
    23 Jan 2015 | 7:15 am
    This post Now’s the Time to Buy Housing Stocks – While They’re Cheap appeared first on Daily Reckoning. At the beginning of the month, I made you this promise: “If you want to double your money over the next year, it’s time for you to buy homebuilder stocks.” And I’m saying it even louder today. I’ve got even more evidence to prove it, which you’ll see in a second… I don’t want to beat you over the head with the housing theme, but remember, it is one of our four major trends of the year. I think it’s that big. Hey, just trying to make you some dough, man. Yes,…
  • The Currency Wars’ “Pearl Harbor”

    James Rickards
    22 Jan 2015 | 2:08 pm
    This post The Currency Wars’ “Pearl Harbor” appeared first on Daily Reckoning. The most dramatic battle yet in the currency wars took place last Thursday. It was the financial equivalent of a Pearl Harbor sneak attack… “I find it a bit surprising that he did not contact me,” IMF Director Christine Lagarde told CNBC’s Steve Liesman that day, “but, you know, we’ll check on that.” You can almost imagine the conversation afterwards between Mario Draghi of the European Central Bank (ECB) and Swiss National Bank (SNB) President Thomas Jordan… Mario…
  • Why Oil Can’t Stay Cheap

    Byron King
    22 Jan 2015 | 8:00 am
    This post Why Oil Can’t Stay Cheap appeared first on Daily Reckoning. It’s hard not to notice it at the gas station. Oil prices have plummeted. They’re sitting at levels we haven’t seen in years. Of course, this is great news when you’re filling up the tank. I saw one estimate that today’s prices will put about $750 “extra” into the pocketbooks of every household in America. That’s the equivalent of a national tax cut. These low prices are also great news for businesses that depend heavily on oil. The bottom lines of airlines, trucking…
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    Canadian Finance Blog

  • The Best Secured Credit Cards of 2015

    Tom Drake
    19 Jan 2015 | 2:00 am
    A secured credit card is one that might require that you provide funds to guarantee the loan. Remember, a credit card is a loan, and if you have no credit, or bad credit, issuers might be reluctant to issue you a card. This is where a secured credit card comes in. If you are willing to provide a security deposit as collateral, you can receive a credit card. If you make your payments on time, and if you show good habits, you will build your credit to the point at which it is possible to get an unsecured card. You will get your security deposit back, and you can use a “regular”…
  • Safe Investing with Canada Savings Bonds

    Tom Drake
    12 Jan 2015 | 2:00 am
    In times of stock market turmoil and economic uncertainty, it’s not uncommon for investors to turn to safer options. One of the ways that you can save for the future and earn a return is through the purchase of Canada Savings Bonds. What are Canada Savings Bonds? These are bonds that represent a loan to the Canadian government. You let the government use your money for operating expenses, and the government, in return, pays you interest. Since it’s similar to a loan, you also get your principal back. Since the Canadian government is considered among the most stable and trusted in…
  • Reduce Your Taxes with Business-Use-Of-Home Expenses

    Tom Drake
    5 Jan 2015 | 2:00 am
    If you have a home business, it makes sense to ensure that you get the best possible tax result. The CRA allows for you to deduct certain expenses from your business income so that the burden of the costs of making money don’t cause you financial problems. Claiming Expenses for the Business Use of Your Home If your home is your principal place of business, you can claim Business-Use-Of-Home expenses on page 3 of the T2125 form. The expenses allowed to be claimed include: Heat Home Insurance Electricity Maintenance (i.e. cleaning materials) Mortgage Interest (interest only, not…
  • 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…
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    The Dividend Guy Blog

  • Dividend Read for the weekend

    DivGuy
    23 Jan 2015 | 1:00 am
    I’m really excited as we just started our soccer selection camp for the summer of 2015. It’s fun to see all those kids running around and playing to get a spot on the team! This week, I’ve made a review of my asset allocation. I’ve also updated my dividend holdings. I have 2K sitting in my account; I’m still wondering what to do with it! I also compared Enbridge (ENB) Vs TransCanada (TRP). Which one do you like best?   Here’s what I read this week on other blogs: Write your own reality writes about his 2015 goals. Yeah… that’s the time of the year! He’s looking for a…
  • Enbridge (ENB) Vs Transcanada (TRP)

    DivGuy
    21 Jan 2015 | 11:25 pm
    A few weeks ago, a member of Dividend Stocks Rocks enquired about Enbridge and Transcanada. Since both companies are trading on the same symbol on both US and Canadian market and that they are at the center of the attention with the Keystone XL pipeline, I thought it worthwhile to take a look at them. While small oil companies cut their dividends and oil exploration related companies saw their contracts cut, there is still a type of company related to oil that is providing immediate growth potential: pipelines! The pipeline industry is quite simple; it’s costly and complicated to put it in…
  • My 2014 Year in Review and Portfolio Asset Allocation

    DivGuy
    18 Jan 2015 | 8:32 pm
    A couple of weeks ago, I listed my personal goals for 2015. It will be a very busy year as I expect to retire from my day job in 2016. But besides my personal goals, I also have to take care of my investments! Let’s take a look at how I did in 2014…   2014 Portfolio Review I’m quite satisfied with my investment return in 2014. At one point in time, I was almost beating my 2013 return! But then the price of oil sunk and hit my portfolio. I finished 2014 with a respectable +16.4% (including dividend). My portfolio pays a current dividend yield of 2.79%. This seems pretty low, but…
  • Dividend Reads for the Weekend

    DivGuy
    16 Jan 2015 | 1:00 am
        This was the Bank Week at The Dividend Guy Blog where I’ve discussed if you should invest in an all-bank portfolio and I’ve reviewed Wells Fargo (WFC) latest quarterly performances. On a more personal note; yesterday was probably among my favorite days of the year; it was the day where my bonus was deposited! I’m paying all my personal loans in January! This will leaves me with my mortgage, my car loan and my RV loan. I’m one step ahead toward my dream of retiring in about 18 months. Especially if you consider that once I sell my house, I will pay my three remaining…
  • Wells Fargo – a Social Bank with Potential

    DivGuy
    15 Jan 2015 | 1:00 am
    During the 2008 financial crisis, all US banks dropped like a rock. All of them? Not really, there was one bank that survived this catastrophic year and even posted a small gain of 1.31%. While the S&P 500 lost 37.6% and the worst banks such as Citigroup (C ) and Bank of America (BAC) lost 76.8% and 65.30% respectively, the “Warren Buffett bank”, Wells Fargo (WFC), bought Wachovia banks and became the 4th largest bank by assets and the largest bank by market capitalization. But not everything was perfect for WFC. In early 2009, the bank cut its dividend by 85% and was showing a…
 
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    Gen Y Wealth

  • The Advantages of Online Banking

    RJ
    12 Jan 2015 | 10:14 am
    When it comes to banking in the 21st century, there are certainly some adjustments that need to be made. For Generation Y kids, it’s maybe a bit easier to adjust to the new world of online banking, online bill pay, online brokerage, online everything! For those who hail from previous generations, the adjustment may take some time. However, it’s definitely worth it to get familiar with the idea of handling the majority of your banking online. Online Banking Is Simply So Much More Convenient To begin with, let us assure you: Online banking is simply so much more convenient than the…
  • Blogging For Bucks: How To Do It the Right Way

    RJ
    5 Jan 2015 | 10:02 am
    If you’re interested in making money using the Internet as your arena, there are a thousand good ways to pursue this noble goal. One of the best is to purchase a domain and start a blog of your own. You can make use a blog for many functions, from venting your emotions to selling your own line of products. In fact, many blogs are multi-purpose, and can take in many different aspects of self expression and self promotion. Here is a list of the things that you need to do in order to order get your blog up and running. We’ll also throw in some advice on how you can ensure traffic to…
  • The Best Online Checking Account

    RJ
    29 Dec 2014 | 1:38 pm
    One of the best  and most effective ways to maximize the ease by which you conduct your banking activity is to locate and secure the services of a reputable online banking establishment. There are several very worthy candidates to choose from, but Charles Schwab offers the very best online banking service at the time of writing. There are several reasons for this. Why Is Online Checking Important? First of all, why is online checking such an important modern development? Who needs it? The answer is very simple: You do. Let’s face it, the entire world is moving online. This covers…
  • 10 Ways to Make Money Online in 2014

    Matt
    25 Mar 2014 | 3:07 pm
    When it comes to making money online, you’re certainly going to want to employ the fastest and most efficient methods. After all, you certainly aren’t trying to go back to your day job! So, let’s have a look at the Top 10 ways to make money safely, easily, and quickly online in 2014. Ebay Ebay is perhaps the oldest “tried and true” method of selling stuff for a profit over the Internet. It may be your old junk which you’ve held on to until it’s become antique, or it may be a new line of products which you’ve developed yourself. Regardless,…
  • Sticking to a Budget

    Matt
    26 May 2012 | 8:12 am
    As young people we tend to not consider how much we are spending before it is too late.  We have all gone on to our bank’s online banking and shocked by the account balance; as it is often much lower than we anticipated.  This is an awful feeling that can be avoided if we have a budget set up.  Budgeting is not only important for avoiding overdraft fees but also to have money set aside to pay for bills and mandatory spending.  Budgeting can be difficult especially if you are out with friends.  Your money count can easily get away from you and soon you could be overspending and not…
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    MoneyProblems.ca

  • Poll: How Are Lower Gas Prices Affecting Your Budget?

    Moneyproblems Answers
    24 Jan 2015 | 9:45 am
    Gas prices have been dropping in Ontario and everyone is on the edge of their seat wondering just how low they will go, and for how long.  We thought it would be interesting to find out how our reader’s have been affected financially by falling gas prices and discover what they plan... Read more The post Poll: How Are Lower Gas Prices Affecting Your Budget? appeared first on MoneyProblems.ca.
  • Entitlement: Confusing Needs and Wants

    Gail Vaz-Oxlade
    21 Jan 2015 | 4:00 am
    Over my nine-year career on television, I worked with a lot of people who couldn’t tell when enough is enough. Often impulsive, they had the sense that they could have whatever they wanted, whenever they wanted it. You might have looked at some of them dumb-struck at their sense of... Read more The post Entitlement: Confusing Needs and Wants appeared first on MoneyProblems.ca.
  • 5 Steps to Creating Financial Change

    Sarah Milton
    14 Jan 2015 | 4:00 am
    For a long time, I believed that the reason for my money troubles was a lack of money. It was the logical explanation for a student who worked part time and then it became a logical explanation for a new immigrant working for minimum wage. As the debt grew, it... Read more The post 5 Steps to Creating Financial Change appeared first on MoneyProblems.ca.
  • 5 Reasons To Reduce Debt, Despite Low Interest Rates

    J. Douglas Hoyes
    12 Jan 2015 | 10:00 pm
    Interest rates in Canada are at historically low levels, and it’s very possible that they will stay below normal levels for many years into the future.  Governments with massive debts can’t afford to let interest rates increase and governments want consumers to keep borrowing so they can continue to spend... Read more The post 5 Reasons To Reduce Debt, Despite Low Interest Rates appeared first on MoneyProblems.ca.
  • As A Baby Boomer, Will You Face Bankruptcy This Year?

    J. Douglas Hoyes
    7 Jan 2015 | 4:00 am
    Almost one third of all personal insolvencies are now filed by the baby boomer generation. This is a staggering statistic, and shows that not only have many seniors not saved for retirement, but in fact they will be carrying debt into retirement. While some of your expenses may decrease in... Read more The post As A Baby Boomer, Will You Face Bankruptcy This Year? appeared first on MoneyProblems.ca.
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    Financial Samurai

  • The State Of The Union Address 2015 Cheat Sheet

    Financial Samurai
    25 Jan 2015 | 4:15 am
    When President Obama gave the State Of The Union Address at 6pm PST, I had just left the office to go eat some yummy butter chicken and garlic naan at Amber Restaurant in downtown San Francisco. I assume many other hard-working West Coasters missed the SOTU address as well. Alas, living through an East Coast centric TV schedule is something we’ve grown used to. But as any true patriot would do, I DVRed the SOTU address, watched the one hour long speech, took notes like a good student, and spent several hours putting together this 2,000 word article to help others think about our…
  • How To Get The Lowest Mortgage Interest Rate Possible

    Financial Samurai
    23 Jan 2015 | 3:25 am
    I must be mad, because after multiple mortgage refinances, I’ve decided to take my own advice on improving my cash flow further by trying to refinance my mortgage again! I say “trying” because getting a mortgage or refinancing a mortgage is still not a slam dunk like it was pre-2007. Lending standards are strict with ~729 being the average credit score for denied mortgage applicants. Furthermore, my debt-to-income ratio could be a problem because 100% of my 1099 (freelance income) won’t count for 2014 because banks require two years of 1099 income, and I’ve…
  • Who Is The Middle Class? We Are All Middle Class Citizens!

    Financial Samurai
    21 Jan 2015 | 12:38 pm
    Something very interesting happened the other night at around 6pm PST. The traffic on Financial Samurai more than doubled for one hour between 6pm and 7pm PST. See the chart below. I took a look to see whether some major media publication had highlighted one of my ~1,000 previously written articles. Nope. I searched over social media to see whether any of my publications were trending. Double nope. And then I finally went to see which keywords people were searching for, and what article they were landing on to provide this 100% organic bump in traffic. Keyword search: Middle Class Income…
  • What Is An Accredited Investor And Is The Definition Fair?

    Financial Samurai
    20 Jan 2015 | 3:25 am
    In The United States, an accredited investor is someone who has a net worth of at least one million dollars, excluding the value of their primary residence, or has income of at least $200,000 a year for the last two years or $300,000 together with a spouse, with the expectation to make at least as much every year going forward. Once you become an accredited investor, you’re now allowed to invest in certain types of private investments, which are usually less liquid, potentially more risky, and sometimes more complex than public equities and bonds. These investments include: private…
 
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    Automatic Finances

  • Is Mobile Banking Set to Go Big in 2015?

    Jason Unger
    31 Dec 2014 | 8:41 am
    Is 2015 the year that everyone banks on their phones? I don’t have stats to show it, but my gut feeling is that a lot of people already do. There’s not much to worry about (as long as you use common sense), and since there’s so much upside — checking your balances, making payments, depositing checks, etc. — it’s just like banking on your computer, but on your phone. We know that Bank of America’s mobile strategy includes geo-positioning and potentially biometrics, and others are calling 2015 “the year mobile banking shifts into high gear.”…
  • 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…
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    Personal Finance Blog

  • Retirement Planning For Women

    Twila VanLeer
    18 Jan 2015 | 8:02 am
    Women, Money & Prosperity: A Sister’s Perspective On How To Retire Well, Written By Donna PhelanConcerns about having enough savings to finance a worry-free retirement plague many women. According to Donna Phelan, 62, who has guided many women through the process as she has worked with several large Wall Street investment firms. She has even written a book on the topic, “Women, Money & Prosperity: A Sister’s Perspective On How To Retire Well.” Women tend to earn less than their male counterparts. They save less toward retirement. Many of them take a break from work to rear…
  • Not Too Late To Make Personal Finance Resolutions

    Twila VanLeer
    17 Jan 2015 | 7:37 am
    Paying bills online is the easiest way to pay your bills on time.By now, most of the resolutions made on Jan. 1 are in the wastepaper basket. Experience shows that most of them don’t last into the second week of the new year. But if you’re willing to take a second shot at it, here are some ways you can improve your financial standing in 2015: Analyze how you pay your bills. Many, if not most, utilities, credit card issuers and merchants, give you the option of paying online. If you decide that is a good approach, give some thought to whether you will direct your payments to the…
  • The 31 Day Spending Diet

    Twila VanLeer
    16 Jan 2015 | 7:24 am
    Can you go on a 31 day money diet and cut out all spending on unnecessary goods?Haven’t gotten serious yet about a resolution for the New Year? Here’s a thought: Instead of resolving to lose pounds, resolve to lose debt and live more frugally. Eliza Cross, a blogger at Happy Simple Living can offer some advice. She has started each of the past six years on a fresh-start basis. To begin with, she spends no money beyond the necessary monthly bills, for 31 days. That means no restaurants, no movies, no fast-food purchases, no impulse items. Nada. She gets excited when she realizes how much…
  • Gas Prices To Remain Low In 2015

    Twila VanLeer
    14 Jan 2015 | 6:29 am
    Major airline companies are saving billions of dollars in monthly fuel bills.For the last three months in 2014, average gas prices dropped almost daily in the United States and the Energy Department predicts that American drivers will continue to see prices in the same range as the new year begins. The department is forecasting a price of $2.60 per gallon. That would be 23 percent lower than the predicted average for 2014, the lowest since 2009. What that means to consumers is more money to spend for other things and a boost to the overall economy as the costs of transportation and shipping…
  • Family Budgeting For The New Year

    Twila VanLeer
    12 Jan 2015 | 9:15 am
    Involve the whole family in planning your budget.Making resolutions as you head into a new year is simple. But a good hard look at the year disappearing over the horizon is just as important. If better financial management is your objective, it becomes the basis for what to do next. In fact, your family may be well served to think beyond 2015 as you go through finances with a fine-toothed comb. Involve everyone in the group by making specific assignments. Tweak past plans to meet new realities related to aging children, changes in employment and all the other eventualities that go with real…
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    Unbiased financial advice from fee-only financial planners

  • Why Some Investments Smell

    Bridget Sullivan Mermel, CFP®, CPA
    21 Jan 2015 | 2:15 pm
    Our fridge finally died; we could also use a new dishwasher. So, when we found that a local retailer was offering a discount for buying more than one appliance, my husband and I drove over. I’m what the Kolbe personality profile calls a “Fact Finder,” so I had done my research. When we arrived at the store, I whipped out the print outs of the brand and models that we wanted. We started with refrigerators. The one I had picked was okay, but there was a better one in a neighboring price range we both liked more that I hadn’t …
  • Social Security Filing Strategies for the Single Person

    jim@blankenshipfinancial.com (Jim Blankenship)
    7 Jan 2015 | 5:16 am
    You can listen to this article by using the podcast player below if you’re on the blog; if you’re reading this via RSS, there should be a “Play Now” link just below the title to access the audio. If you’re receiving this article via email, there should be a “Download Now” link within the text of the message to retrieve the audio file. Most Social Security filing strategies are focused on married folks, or those who have been married and are now divorced or widowed. Single folks who have never been married seem to get short shrift – but it’s …
  • Trying to Talk to Government? Good Luck.

    Matthew J. Illian, CFP®, AIF®
    6 Jan 2015 | 6:00 am
    In a 2009 presidential memo, President Obama wrote, “Openness will strengthen our democracy and promote efficiency and effectiveness in Government.” It would be nice if that carried through to his employees. While researching my latest article on the Joint Economic Committee (JEC), I attempted to speak with the JEC’s Press Contact and Communications Director, Todd Deutsch. He is one of thirty-one JEC employees. He promptly asked for my publication and deadline (November 10th). After telling him, he just as promptly proceeded to ignore all further communication. I have yet to…
  • Put Yourself First with a Financial Advisor Who Puts You First

    Claire Emory, MBA, CFA, CFP®
    6 Jan 2015 | 5:11 am
    A Washington Post column entitled “Find a financial advisor who will put your interests first,” seems to offer simple advice but how easy is it to really do this? You may have heard it before—you need to take care of yourself so you can take care of others. In finance, people tell you to pay yourself first and if you’re on a plane you’re advised to put your own mask first. But for many of us it is not easy to put ourselves before others, even when we know that this is the best way for us to be of …
  • One-Fund Investing

    Matthew J. Illian, CFP®, AIF®
    5 Jan 2015 | 5:30 am
    Earlier on the blog, David Marotta wrote about investing in one fund if you wanted to keep things very simple (even more simple than his gone-fishing portfolio). He suggested the Vanguard STAR Fund (VGSTX), which has the following benefits: Low expense ratio of 0.34% (which Vanguard says is 64% lower than the average expense ratio of funds with similar holdings) It’s a 60% stocks, 40% bonds/cash fund, which gives a smoother, more moderate ride on the bumpy stock market It’s a blend of several other Vanguard funds It has a minimum initial investment of $1,000, which is …
 
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    Budgets Are Sexy

  • Would YOU Cash In Your Life?

    J. Money
    23 Jan 2015 | 2:06 am
    So I got this pretty interesting email yesterday about cashing in your life and pursuing your dreams once and for all. Like, someone literally handing you a check and saying “Let’s do this!!” Only the catch is your every move will be filmed and broadcasted on national television :) What I got was a casting notice for a new show coming out titled “Cash In Your Life.” And they sent it to me in hopes I’d share it with you all (mission accomplished!). One pitch out of the 2,038 I deleted this week – hah. Why exactly did I feel like sharing this with you…
  • What It Cost Us to “Own” Our Home Last Year + A Question I Ask Myself Every Morning

    J. Money
    21 Jan 2015 | 2:02 am
    We’re only three weeks into January so far, and we’ve already received a notice from our property managers* that our dishwasher is on the fritz again. Depending on what course of action we take (replace the circuit board @ $390 or replace the entire thing @ $650 (both costs include parts and labor)) we’ll be dumping even more money into a home we could care less about. This is just one of the joys of home ownership. And yet another reminder of the stupidest decision we ever made with our money 8 years ago!! Even though it completely changed my life and this blog and all my…
  • Martin Luther King’s Money [And The Freedom Budget?]

    J. Money
    19 Jan 2015 | 2:06 am
    “There is nothing in all the world greater than freedom. It is worth paying for; it is worth losing a job for; it is worth going to jail for. I would rather be a free pauper than a rich slave. I would rather die in abject poverty with my convictions than live in inordinate riches with the lack of self respect.” – Martin Luther King, Jr I was originally going to blog about how money is only temporary, but then I looked at the calendar and realized it’s Martin Luther King day. So instead, like a true nerd, I decided to find out if the good doctor was as amazing with his…
  • Forbes and Planting Your Seeds TODAY!

    J. Money
    16 Jan 2015 | 2:04 am
    Happy Friday y’all! Hope you had a good week of multiplying that money – preferably as you slept ;) It’s been a wild ride over here this week to say the least, and to be honest I’m still pinching myself in disbelief. For those who haven’t seen it, an entire article was written about me over at Forbes (!!!) on how I grew my net worth over the years and blog for a living full-time. These write ups are what us bloggers dream about, not only because of the incredible amount of traffic they send (we hit an all-time high on Monday!) but because it re-affirms that…
  • Side Hustle #56: I Get Paid to Empty Septic Tanks

    J. Money
    14 Jan 2015 | 2:04 am
    [This is an article by John C. as part of our Side Hustle Series. If you ever wanted to know what it's like (and how much it pays) to clean out septic tanks and portable toilets, now's your chance ;)] For the last couple years I have noticed that most of my friends and co-workers have a side hustle, but I have had trouble committing to one. Finding something I care about doing that I can make some decent money with AND balance with my nuclear career has been difficult to find. [Editor's note: Yes, he just said NUCLEAR CAREER!] Starting a business would be especially difficult because…
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    Financially Poor

  • “Wrong-headed” IORP Directive to Hit Jobs and Pensions

    Kevin
    25 Jan 2015 | 6:05 pm
    The European Commission is pushing through changes, as part of the controversial Solvency II process, which may prove “disastrous” for British businesses, says the Confederation of British Industry. The changes are set to cost businesses around £350 million, and, according to the CBI, stifle growth, increase unemployment and plunge pensions into chaos. “Imposing £350 billion more costs on business would be a disaster for the economy and for pension saving.” said CBI Chief Policy Director, Katja Hall. “The long term economic outlook is so fragile and uncertain…
  • What MMA Can Teach You About Personal Finance

    Kevin
    23 Jan 2015 | 5:46 pm
    With the UFC’s historical announcement of their first female bout coming this February, MMA is getting even more media attention than normal. Whether or not you’re a fan, the strategy of fighters in the cage are more similar than you might think to sound financial practices. Have a Game Plan Pro fighters never “wing it” during a fight. They spend months watching videos of their opponents, train on the best moves to defeat them, and put together a round-by-round plan for using those moves. While it’s true that they have to improvise once the first bell rings, that game plan forms the…
  • Can Bad Credit Credit Cards Really Improve My Score?

    Kevin
    21 Jan 2015 | 5:28 pm
    This guest post was written by Jason Bushey. Jason is a personal finance consultant and blogger.  If you’re looking to improve your bad credit score, odds are applying for a new credit card isn’t the first solution you came up with. After all, it was likely those very same credit cards that got you into the issue of poor credit in the first place.  But did you know applying for and receiving a bad credit credit card is one of the easiest and most important things you can do in the journey back from bad credit?  Here’s how it works.  For starters, you should know what…
  • How To Find Great Growth Consultancy Companies

    Kevin
    20 Jan 2015 | 7:57 pm
    It is really difficult to grow a company these days. The main reason for this is that the competition is so much stronger than it used to be. In every single niche there are companies that you will compete with and taking everything to the next step is difficult. In many situations you will need the help of a growth consultancy company. The problem is that there are so many consultancy firms out there. Finding one that you can trust is difficult because all of those that you contact will be interested in your firm in the event that it is ready to grow. Obviously, you are interested in…
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    Couple Money

  • Introducing Money to Kids

    Elle Martinez
    20 Jan 2015 | 8:10 am
    If things seem quiet lately on the site it’s because I’ve been slowing down in preparation of the (hopefully soon) arrival of our second daughter. The house has been cleaned, the bags have been packed, and everyone is on stand by. I’ve been spending this month making sure that all of my obligations for work have been met so I can enjoy some time off when our baby girl is here. I’ve also been reading a fantastic book for an upcoming review and post – The Opposite of Spoiled. It’s timing couldn’t have been better. Our first daughter is now three and a…
  • Finding an Investment Strategy That Works for Us

    Elle Martinez
    13 Jan 2015 | 1:07 pm
    Every so often it pays to go ahead and review your portfolio. With 2014 over, I spent this week checking up on things to make sure we’re staying on course with our investments. Since I’m looking at our accounts, I thought it might be helpful to explain our process and strategy. Index or Actively Managed For our accounts we prefer to go with passive investing as our overall strategy. (We cant’t completely acheive this as my husband’s 401(k) has limited options.) The biggest difference with index and actively managed funds or ETFs are the goals. With index, you are…
  • 2015 – The Year of Growth and Better Habits

    Elle Martinez
    6 Jan 2015 | 11:39 am
    With so much going on this upcoming year, I was looking for a fun way to build our finances in 2015. To help keep us accountable for this year, I’ve signed up for MoneyStepper’s 2015 Savings Challenge.  I can’t wait to see how things go this year for us. In case you haven’t heard of it, the two main goals of the challenge are: Grow Net Worth Save % of Net Income I already sent in our annual goal and every month we update our progress. Filling out the spreadsheet, I went back and forth a bit with it – I want to be ambitious, yet considering the big changes I…
  • Change Your Habits and Own Your Finances

    Elle Martinez
    2 Jan 2015 | 7:00 am
    Today’s post is based on a recent Couple Money Podcast episode on Owning 2015 and Your Finances. Raise your hand if you’ve ever made a goal and before the week or month was over, you quit. Yeah, me too. Why is it despite some of our best intentions we fail at achieve our goals? While external factors can affect us, if we’re completely honest I think most of us admit that the fault lies with ourselves. Many times we set ourselves up for failure because we don’t address what really needs to be changed. Most times we don’t need more willpower, we need better habits.
  • 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…
 
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    Beating Broke

  • What’s Your Financial Weakness?

    MelissaB
    19 Jan 2015 | 6:11 am
    We all have a financial weakness.  That one area where we struggle to do the right thing.  We might even struggle with deciding what the right thing is.  If we remain unaware of our financial weakness, it can wreak havoc throughout our financial life, as my weakness did mine. However, knowing your financial weakness, your financial Achilles’ Heel, so to speak, can help you become a better manager of your finances. My Financial Achilles’ Heel Me?  I like to squirrel things away for the proverbial rainy day, but when the rainy day comes, I don’t like to dip into my stash.
  • 3 Key Factors That Affect Your Home Loan Eligibility

    Thomas Bawdy
    18 Jan 2015 | 8:46 am
    A home loan can put a prospective homebuyer on the fast track to owning their own home by giving them the resources they need to move into a new home, and lenders will commonly offer up to $500,00 in financing to qualified applicants. However, not everyone is eligible to receive the same amount of funding from lenders based on their individual circumstances. There are a range of considerations that go into the borrowing power of a given applicant when seeking out a home loan such as amount desired and credit score, but there are a few less obvious factors that can make or break a person’s…
  • Confessions of a Professional Blogger – Book Review

    Shane
    16 Jan 2015 | 5:47 am
    Confessions of a Professional Blogger By: Miranda Marquit Disclaimer: I received a copy of this book from Miranda.  My policy on books I receive free copies of is that I don’t review them unless I like them. How many of us, myself included, don’t jump at the chance to get a little insight into how someone who does something that we want to do for a living, for a living?  I know that when Miranda asked me back at the end of 2013 if I would read her book that I immediately said yes.  It’s been a little while since she first sent over a copy, but that’s totally on me.
  • Lending Club Returns 2014 EOY Update

    Shane
    12 Jan 2015 | 5:25 am
    If you’ve been reading here for very long, you’ll know that I’ve been posting and discussing my Lending Club returns since the end of 2011.  For the first year or so, I updated with quarterly updates.   I didn’t do that in 2014.  Part of the reason for that was that it was a busy year for me, and the time to put together a full post on that every quarter just wasn’t always there.  The rest of the reason was that it was beginning to feel redundant to me, so I slowed them down a bit.  Now, I’ll be doing the updates on a yearly basis (twice a year at…
  • How to Handle Someone Who Gives Too Many Gifts

    MelissaB
    5 Jan 2015 | 5:42 am
    First world problems, right?  How can you complain about someone who gives too many gifts? Believe it or not, that’s something I’ve struggled with this holiday season.  I have one relative who, simply put, is buying too many gifts for me, my husband and my kids. If this relative was independently wealthy, that would be one thing, but I know that she’s also trying to save money for some home repairs and a trip of a lifetime to Europe.  I wish she would buy each of us just one gift and put the rest of the money in her vacation fund. Do you also have problems with someone in your life…
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    Stack The Chips

  • Store Credit Cards: The Pros And Cons

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

  • Dog Food Dog’s Desire

    MichaelHaltman
    24 Jan 2015 | 1:16 pm
    Beneful is a dog brand that offers dry and soft dog food as well as special treats. The word Beneful actually means full of goodness. Beneful offers nutritious ingredients with various flavors and textures. Each dog food promotes a healthy weight, strong muscles and skin, and a healthy skin and coat. There is dog food that specializes in puppies as well as older dogs. Some of the varieties of dog food available are beef, chicken, lamb, turkey, pork, and salmon. Treats are available that are tasty and that promote healthy teeth. Benefuls’ wet dog food is different than other brands because…
  • Why Did Sam Tabar Choose THINX As A New Investment?

    MichaelHaltman
    22 Jan 2015 | 6:47 pm
    Sam Tabar recently chose to invest in THINX after he was introduced to the owners by a mutual friend. He would not have been interested in investing in an underwear company, but their story goes far beyond underwear. PR Newswire had this story first about a company that is doing the right thing in the world. When THINX sells its underwear, it is selling gorgeous underwear to women who are dealing with menstruation or incontinence. These are difficult issues to deal with, and women should be able to feel pretty when they are in the middle of their cycle. However, women in Africa are often not…
  • Christopher Cowdray is a Major Influence in the Hotel Industry

    MichaelHaltman
    21 Jan 2015 | 12:23 pm
    Christopher Cowdray is a remarkable individual, not only for his unique approach to managing hotels, but also also for his overall sense of business ethics. He came to the United States, traveling to New York City so he could attend Columbia University and learn about business practices. He made the decision to focus specifically on hotel management and ownership. Over the years, he was able to utilize the things that he had learned to build on basic practices in order to create some of the most successful hotels around the world. As a result, he later worked in Australia, Asia and Africa as…
  • Got Roth IRA? Most People Can with Obama’s MyRA Accounts

    MichaelHaltman
    20 Jan 2015 | 8:27 am
      It is without question that the Roth IRA accounts are the best retirement account for building tax-free retirement savings. It has two notable caveats: contributions are made with after-tax dollars and do not provide any immediate tax savings IE contributions are not tax sheltered. Also, there are no matching employer funds in a Roth IRA. Along those lines, President Obama made good on his proposal last year to create a special savings vehicle called a MyRA (My Roth IRA) account. The pilot program went into effect last month and is now available to any household with a gross annual…
  • Governor Cuomo’s New Minimum Wage Proposal Is a Start, but Not Enough

    MichaelHaltman
    19 Jan 2015 | 3:09 pm
    It was not quite a year ago, when New York Governor Andrew Cuomo (D) opposed the idea of granting each borough and city in New York the power to increase their minimum wage amount. His opposition was based on the premise that giving each different municipality the ability to change their own minimum wage amount would cause turmoil amongst them, as they would need to compete against each other. But, I was always told that some competition is a good thing… otherwise to what would you attribute the success of Tom Rothman? Exactly. A competitive spirit that relies on quality work. However,…
 
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    The Economic Peephole

  • Dog Food Dog’s Desire

    MichaelHaltman
    24 Jan 2015 | 1:16 pm
    Beneful is a dog brand that offers dry and soft dog food as well as special treats. The word Beneful actually means full of goodness. Beneful offers nutritious ingredients with various flavors and... [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • Why Did Sam Tabar Choose THINX As A New Investment?

    MichaelHaltman
    22 Jan 2015 | 6:47 pm
    Sam Tabar recently chose to invest in THINX after he was introduced to the owners by a mutual friend. He would not have been interested in investing in an underwear company, but their story goes far... [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • Christopher Cowdray is a Major Influence in the Hotel Industry

    MichaelHaltman
    21 Jan 2015 | 12:23 pm
    Christopher Cowdray is a remarkable individual, not only for his unique approach to managing hotels, but also also for his overall sense of business ethics. He came to the United States, traveling to... [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • Got Roth IRA? Most People Can with Obama’s MyRA Accounts

    MichaelHaltman
    20 Jan 2015 | 8:27 am
      It is without question that the Roth IRA accounts are the best retirement account for building tax-free retirement savings. It has two notable caveats: contributions are made with after-tax... [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • Governor Cuomo’s New Minimum Wage Proposal Is a Start, but Not Enough

    MichaelHaltman
    19 Jan 2015 | 3:09 pm
    It was not quite a year ago, when New York Governor Andrew Cuomo (D) opposed the idea of granting each borough and city in New York the power to increase their minimum wage amount. His opposition was... [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
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    Good Financial Cents

  • GF¢ 045: How to Compete Every Day and Crush Your Goals

    Jeff Rose
    20 Jan 2015 | 9:55 am
    I love “Dream Chasers”. There’s something about somebody’s story that put it all on the line to pursue their passion especially when their mission is to encourage others. About a year ago, I noticed a fellow Crossfitter wearing a sweet shirt on my Instagram feed. When I did some more homework, I found it out it was made by a company called Compete Every Day. Fast forward to present day and now I own 7 Compete Every Day shirts and wear one of their wristbands daily. I’m obsessed with their determination to spread positive and encouraging messages to others showing…
  • Grow Your Dough Throwdown 2.0

    Jeff Rose
    13 Jan 2015 | 12:45 pm
    It’s back….. Just when you thought the Grow Your Dough Throwdown was done, we’re back for another year. Ahhh yeah…. It’s time for Grow Your Dough Throwdown 2.0. I had a blast throwing down with my fellow personal finance bloggers that I knew that I wanted to do it again. But if I did it again, I wanted a few things to be different: More bloggers joining the fun. A much easier way to track the performance for each blogger. Enter Motif. Motif Joins the Fun I got a chance to meet Nick and Saquib who work at Motif at the Financial Bloggers Conference this past fall.
  • 29 Actionable Financial Tips That Millennials Need to Take Right Now

    Jeff Rose
    5 Jan 2015 | 4:34 am
    Hey you, Millennial. Listen up. Millennials are sometimes seen as the unfortunate generation. It often seems that the Baby Boomers have taken the best of what’s available, while Generation X is always standing in line just ahead of the Millennials. If you’re a Millennial yourself, there’s nothing to be gained from feeling cheated; it just means you’ll have to change tactics and work a bit harder. Here are 29 actionable financial tips that millennials need to take right now. If you take enough of them, and make them part of your financial plan going forward, you might start…
  • Grow Your Dough Throwdown Final Results

    Jeff Rose
    2 Jan 2015 | 6:43 pm
    I can’t believe the Grow Your Dough Throwdown is over! It’s been an exhilarating ride, and I wish I could say that I was excited to share the results. Alas, my portfolio got its butt kicked, while my wife’s portfolio, on the other hand, did rather well. In fact, I think everyone kicked my butt. Oh, well; life goes on….. The exciting thing is that the Grow Your Dough Throw Down 2.0 is ready to launch, and I will have details at the end of this post. Until then, let’s take a look at how I did. TD Ameritrade – My Lousy Portfolio If you recall, previously I had purchased five…
  • 15 Reasons Why You Shouldn’t Buy an Annuity – (And 5 Real Life Scenarios When You Should)

    Jeff Rose
    18 Dec 2014 | 1:41 pm
    Many advisors think they’re doing their clients big favors by telling them that they’ll never put them in an annuity. And with all the negative press that annuities get, it’s not too surprising. However, I think annuities are fantastic – in the right situation. There are at least 15 reasons why some people shouldn’t buy an annuity. If you’ve done much research on the subject, you’re probably already aware of a few of them. But you need to know that annuities serve certain very specific purposes, and if you happen to have a need for one of those purposes, then…
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    One Family's Blog

  • Thekkady Trekking - Pugmark Trail, Nature Walk & Green Walk - Review

    ks
    19 Jan 2015 | 12:28 am
    <!--[if gte mso 9]> 14.00 <![endif]--> <!--[if gte mso 9]> Normal 0 false false false EN-US X-NONE X-NONE <![endif]--><!--[if gte mso 9]> [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • Thekkady Boat Safari - Review

    ks
    15 Jan 2015 | 9:14 pm
    <!--[if gte mso 9]> 14.00 <![endif]--> <!--[if gte mso 9]> Normal 0 false false false EN-US X-NONE X-NONE <![endif]--><!--[if gte mso 9]> [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • HAL Aerospace Museum, Bangalore Review

    ks
    13 Jan 2015 | 12:28 am
    <!--[if gte mso 9]> 14.00 <![endif]--> <!--[if gte mso 9]> Normal 0 false false false EN-US X-NONE X-NONE <![endif]--><!--[if gte mso 9]> [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • Lalbagh Gardens & Viswesarayya Museum, Bangalore - Review

    ks
    9 Jan 2015 | 7:33 pm
    <!--[if gte mso 9]> 14.00 <![endif]--> <!--[if gte mso 9]> Normal 0 false false false EN-US X-NONE X-NONE <![endif]--><!--[if gte mso 9]> [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • Tracking Jeffrey Ubben's ValueAct Holdings - Q3 2014 Update

    ks
    8 Jan 2015 | 12:33 am
    Below is a spreadsheet that highlights the changes to Jeffrey Ubben's ValueAct Capital 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! ]]
 
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    Cash The Checks

  • 6 Financial Tips For New Parents

    Edwin C.
    17 Jan 2015 | 9:18 pm
    Whether your pregnancy was planned or not, seeing those 2 lines on the test strip will change you entire life. Thinking about your future and the financial responsibilities you’ll soon face can trigger anxiety and stress in the most frugal of people. Once parenthood is impending, it’s important for mom and dad to start thinking about finances and to get their priorities in order. Read on for 6 financial tips for new parents. Get Life Insurance If you don’t already have a life insurance policy, get one. Once you have a family, a death could leave behind not just a grieving spouse, but a…
  • 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…
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    Credit.com

  • The 4 Tax Forms You Should Be Getting Soon

    Christine DiGangi
    24 Jan 2015 | 9:01 pm
    You may have already started receiving tax forms in the mail. You know what I’m talking about — the envelopes are marked in big block letters, “IMPORTANT TAX DOCUMENTS ENCLOSED.” If you haven’t received any yet, you should soon, and for some people, you’ll be getting many pieces of mail like that over the next few weeks. Getting your taxes done quickly and accurately requires you to organize your necessary documents and know when something’s missing, and looking at last year’s tax return is a good way to help you do that. “Unless things change…
  • Why Isn’t My Credit Score Going Up?

    Stacy Johnson
    24 Jan 2015 | 9:01 pm
    Sometimes getting ahead feels more like a herd of turtles than a rabbit. That’s especially true when it comes to credit scores. Check out this reader question, and see if you can relate. Hi! I have a question for you. I’ve been working on improving my credit score for about three years now, but I cannot seem to raise it above 640. I have a few credit cards, with decent limits, not as high as I would like, and low utilization, a car loan, and nothing in collections for a few years. My credit reports say that low credit limits and time limits are hurting me, as well as the collection from…
  • The Forgotten New Year’s Resolution: Life Insurance

    AJ Smith
    24 Jan 2015 | 9:01 pm
    We’re not even through January and our great intentions for 2015 have likely already begun to waver. If that doesn’t apply to you, that is amazing, and you should be proud. But, let’s go back to 2014, when we were all excitedly planning our resolutions in the first place. Whether we wanted to get in better shape, cook more often, try for a raise at work or spend more time on creative pursuits, we were probably ignoring a crucial aspect of our financial well-being: life insurance. What It Is First things first: What is life insurance, again? It’s a form of financial protection…
  • 3 Factors That Affect Your Social Security Benefits

    AJ Smith
    23 Jan 2015 | 9:01 pm
    The U.S. government provides money to retired, unemployed and disabled persons through the Social Security Administration. People who pay into the system through payroll taxes for at least 10 years receive a financial safety net upon retirement. The amount you receive from Social Security is supposed to replace some, but not all, of your pre-retirement income and several factors affect exactly how much you will receive. Find out about those factors below so you can plan ahead and work to maximize your benefits. 1. Retirement Age The age you decide to start receiving Social Security payments…
  • 5 Tips for a Frugal & Fun Valentine’s Day

    AJ Smith
    23 Jan 2015 | 9:01 pm
    If you have a significant other, you know how stressful Valentine’s Day can be – stressful and expensive. From cards and gifts to flowers and dinners, your wallet can face a hit worse than during the holiday season. Love-struck consumers dish out billions every year, but you don’t have to go broke to make your partner happy. Check out the below tips on how to make Feb. 14 special on a budget. 1. Try Hanging In Instead of Going Out Why do you want to spend this holiday in a crowded place with a bunch of strangers? Consider letting your relationship marinate indoors this year and bring…
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    StepChange MoneyAware

  • Dear caller… our advisors write to Helpline callers

    StepChange MoneyAware
    23 Jan 2015 | 8:55 am
    “The greatest lesson I’ve learned from working for StepChange is that the sooner you seek help and speak to someone about your debt, the sooner you’ll start to feel better about the situation.” Helpline advisor Our advisors are always here to help We asked our advisors to write to callers they’d just spoken with, or previous clients that had stuck in their mind for one reason or another. Asking for help can be one of the hardest things to do. So it’s not surprising that they had a few words of encouragement to share with callers old and new. Our advisors speak to…
  • Debt Awareness Week 2015: let’s take control of debt!

    StepChange MoneyAware
    23 Jan 2015 | 5:55 am
    Lets help more people take control of debt than ever Personal debt is an issue for millions, but in no month is the stress of debt more acutely felt than in January. Many people are feeling broke after the festive season, and may have opted to put off seeking debt advice until now. It’s estimated that some 2.9 million people urgently need debt advice*. The trouble is that many don’t know where to start. On Monday we launch our second annual Debt Awareness Week, where we highlight the issue and encourage people to get free debt advice. We want to help more people take control of their debt…
  • Know your rights – December’s debt news

    Rachel
    14 Jan 2015 | 1:17 am
    Know your rights – December’s debt news The Christmas decorations are packed away and many of us might be packing a bit more padding than we were this time last month. One thing’s for sure however; money never takes a break from making the news, even during the festive season. There’s been some pivotal changes by the Financial Conduct Authority (FCA) in how much interest payday lenders can charge their customers, and they also took a closer look at complaints procedures for financial firm customers. Let’s look at all the latest goings on… A cap on payday loan interest…
  • 10 ways to live for free

    Jasmine Birtles
    12 Jan 2015 | 1:00 am
    Jasmine Birtles of Moneymagpie.com knows all about thrifty living and money saving. Today, in the first of three blogposts, she shares with us ten ways to live for free… We’re all ears! Live for free! Just because you’re in debt it doesn’t mean that you can’t have a thrifty treat here and there. In fact it’s important to treat yourself every now and then to keep you going as you work off your debt! The right treats don’t have to cost you a bean either. If you know where to look there are all sorts of freebies on offer all around you. Here are just a few of the freebies…
  • Our 10 most read blogposts of 2014

    Jenny
    5 Jan 2015 | 7:07 am
    Happy New Year! We can’t believe it’s 2015 already; doesn’t time fly? A little too fast if you ask me. Actually, very suspicious, but we won’t get into that now. It’s been a hectic year for us with our busiest days ever on the blog, not that we’re complaining of course. We love the attention! It also means we’re proving useful to people and that’s always our aim. After all, the MoneyAware team are dedicated to bringing you the best budgeting tips, advice and debt news, and we’ve been doing so for over four years now. It’s become a tradition for us to reflect on the past…
 
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    Free Money Wisdom

  • What You Should Know About Becoming a Real Estate Property Manager

    Jon the Saver
    20 Jan 2015 | 10:34 am
    If you are considering becoming a real estate property manager and investing your time and money into the endeavor, there are several important factors that should be considered beforehand. If you are even considering investments in real estate, it is quite likely that you know and understand that the foundation of our nation is real estate. It is considered to be one of the main and largest sectors when it comes to our economy. It is a type of investment that has a firm foundation in the “American Dream” that dates back to the arrival of the pilgrims. In addition to this, our very first…
  • Saving For College

    Jon the Saver
    13 Jan 2015 | 8:24 am
    Saving for College – Comprehensive Solutions Offered by Financial Officials Millions of parents are consistently searching for college savings tips that will allow them to successfully cover the continued education of their children. These are parents that know and understand the costly nature of having children, raising children, and supporting children in the endeavor of pursuing a positive and productive life that will, eventually, transition into a lucrative experience. From the initiation of life, parents find themselves continuously plagued by a wide array of expenses from diapers,…
  • How to Avoid High Fee Mutual Funds

    Jon the Saver
    4 Jan 2015 | 7:13 pm
    How to Avoid High Fee Mutual Funds Mutual fund fees are a common complication for investors. It has been established that this industry is notorious for both the complexity of the basic fee structure and the amount of the fees within that structure. If you are reading this free investing guide, you have likely discovered that the fees associated with mutual funds are the biggest complication that you experience with this type of investment. These fees have the ability to eat into the return that you receive from your investment. Additionally, these fees are the main culprit behind sub-par…
  • What to do When Simply Saving and Working Isn’t Getting the Job Done

    Jon the Saver
    30 Dec 2014 | 2:24 pm
    You read them every day: those articles that list crazy or extreme methods for saving money. They say things like “don’t buy anything new for a year” and “cook all of your meals at home.” You read them and you sigh because that’s not extreme, that’s your everyday life. To you, the dollar menu is a decadent treat and, in spite of all of your efforts you don’t seem to be getting anywhere. Your debt isn’t reducing the way you’d hoped. Your paychecks aren’t stretching as far as you’d like. You feel guilty using even a simple savings plan. So what do you do? Time to Start…
  • The Difference between Abundance and Greed

    Jon the Saver
    24 Dec 2014 | 11:35 am
    The topic of money and abundance is starting to become increasingly popular among those that feel that they are entitled to more of what the universe has to offer. This is especially true since the release of movies, CDs, documentaries, and other forms of media regarding the Law of Abundance living has dramatically increased. Examples of the top media sources that expound on the topics of money and abundance include “The Secret”, “Law of Attraction Magazine”, and “The Science of Getting Rich” book. Unfortunately, many wonder if there is a true difference between desiring abundance…
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    Help Me To Save

  • My Money Podcast #104

    Karen Bryan
    25 Jan 2015 | 6:10 am
    The My Money Podcast #104 summarises the recent articles listed below. listen to ‘My Money Podcast #104: Recent Articles Roundup’ on audioBoom Subscribe to the My Money Podcast from Help Me To Save in itunes M&S Monthly Saver Now Open to Holders of Standard Current Account – Holders of an M&S standard current account now […]My Money Podcast #104How to save money. Copyrighted content published on Help Me To Save.
  • 19 Months 0% Interest on New Purchases with M&S Credit Card

    Karen Bryan
    22 Jan 2015 | 10:06 pm
    M&S Bank have extended the interest free period for new purchases on their credit card to 19 months. I was informed of this when I phoned the M&S Bank to open an M&S Montly Savings Account, which has recently become available to holders of an M&S standard current account. I was tempted by the longer […]19 Months 0% Interest on New Purchases with M&S Credit CardHow to save money. Copyrighted content published on Help Me To Save.
  • Playing the Forex Market: Tips and Experiences

    Demetrius Vouyiouklis
    20 Jan 2015 | 10:59 pm
    The Foreign Exchange  (Forex) market tracks the ratios of exchange rates between currencies, with some examples of the most popular ones being the Euro to US Dollar (EURUSD), British Pound to Japanese Yen (GBPJPY) and Australian to Canadian Dollar (AUDCAD). A typical punter (TRADER!) will guess which way the currency ratio will move (up=BUY, down=SELL) […]Playing the Forex Market: Tips and ExperiencesHow to save money. Copyrighted content published on Help Me To Save.
  • Review of Travelodge Stirling M80

    Karen Bryan
    18 Jan 2015 | 10:23 pm
    I stayed at the Travelodge Stirling M80, in central Scotland, for a Friday night stay in mid November 2014. The room cost £21 on the Saver non-refundable rate, booked three months in advance of my stay. This is a good price for a Friday night stay, as most cheap Travelodge rooms are for stays between […]Review of Travelodge Stirling M80How to save money. Copyrighted content published on Help Me To Save.
  • 20% off Selected Hotels on eBookers.com until 18 January 2015

    Karen Bryan
    17 Jan 2015 | 9:07 am
    There’s an eBookers ‘Crazy Weekend’ promotion running until Sunday 18 January 2015,, which offers an additional 20% discount on many hotel bookings, as long as you travel by 31 December 2015. You need to enter the promo code ‘WELOVE20‘ into the space at the bottom of the search box This was good timing for me, […]20% off Selected Hotels on eBookers.com until 18 January 2015How to save money. Copyrighted content published on Help Me To Save.
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    NerdWallet Credit Card Blog

  • Best Cities for Young Families in Louisiana

    Kamran Rosen
    25 Jan 2015 | 6:00 pm
    Quality of life matters to all future homeowners, but Louisiana’s young families — like couples starting out everywhere — could face tighter finances that limit their options. And some couples searching for their first house may be looking for the best place at the same time they are preparing for the arrival of their first child. To help families across the U.S. narrow their options and find the “Best Cities for Young Families,” NerdWallet crunched an array of data for the second year, and this time, we have expanded our analysis to find places that are not only affordable, but…
  • Keep a 0% Interest Credit Card After the Promotional Period Expires

    Alice Holbrook
    25 Jan 2015 | 5:47 pm
    You used a balance transfer to pay off your credit card debt — that’s great! Having less debt — or no debt — is the best way to improve your credit score. And using a 0 APR credit card to get there saves you interest, allowing you to throw more cash at your balance. Your zero interest credit card served its purpose. Now that its interest rate has kicked in, should you keep it? Yes, along with the one you’ve paid off. Here’s why: To preserve the length of your credit history. The amount of time your credit accounts have been open makes up about 15% of your credit score. If the card…
  • How Good Does Your Credit Have to Be to Get a 0% Interest Card?

    Teddy Nykiel
    25 Jan 2015 | 4:05 pm
    A 0% interest card is a fabulous tool to use when paying down credit card debt or financing a major purchase. During a limited introductory period, these cards allow you to carry a balance without paying interest. A common strategy is to consolidate the balances from your higher interest rate cards onto one 0% interest card, and then pay down the total debt interest free. Better credit = better 0 APR cards Zero interest cards aren’t hard to get as long as you have decent credit. However, the higher your credit score, the better and more plentiful your zero-interest credit card options will…
  • It’s Not Worth Putting Money From a 0% Credit Card Into Savings

    Tony Armstrong
    25 Jan 2015 | 7:00 am
    Zero interest cards are great tools for digging yourself out of debt quickly, as they offer 0% interest for up to 18 months. From consolidating your existing debt to minimizing future debt on large purchases, these cards can be extremely useful. So useful, in fact, that crafty consumers once found ways to make money off of them. Before the recession, when interest rates on savings accounts and certificates of deposit (CDs) didn’t hover below 1% as they do today, people could put money that they transferred onto a 0% credit card into savings accounts, which yielded respectable returns.
  • Catch Credit Card Theft Fast With Vigilance

    Spencer Tierney
    24 Jan 2015 | 7:00 am
    With the possibility of identity theft or company hacks an ever-increasing threat, credit card theft can happen virtually at any time or in any place. In 2014, the Identity Theft Resource Center noted that the number of reported data breaches, including for credit cards, increased by 27.5% from 2013. If you find your card information has been stolen online or off, take the following steps to protect yourself: 1. Check your recent transaction history One of the perks of online banking is receiving instant reports of your transactions, so if you have this feature, sign into your account and…
 
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    Card Hub

  • Discover Cashback Bonus Rewards: Program Review, Tips & More

    Debra Wei
    24 Jan 2015 | 5:06 am
    Discover’s new-look credit card rewards program – branded Cashback Bonus – offers members the ability to earn cash back on every purchase as well as to choose from a variety of redemption options, ranging from statement credits to gift cards and online merchandise. While Discover once featured several different rewards cards (some of which belonged to a different rewards program), they recently restructured and replaced their suite of offers with a line of ‘Discover It’ cards, which operate solely in the Cashback Bonus program. The change has simplified Discover’s rewards program,…
  • Bank of America Rewards Programs Review, Tips & More

    Debra Wei
    24 Jan 2015 | 5:05 am
    Bank of America boasts four different credit card rewards programs. Extending coverage to both business and consumer cardholders, these programs vary in terms of what type of rewards currency is issued, as well as the system with which members earn and redeem for perks. For example, some programs only offer cash back as a redemption option while others allow members to redeem for gift cards, travel accommodation or charity donations. Furthermore, depending on which program you’re a member of, you may be eligible to earn more rewards currency (up to 75%) by opening up a Preferred Rewards…
  • 2015 Fraud Liability Study: Which Cards Protect You Best?

    John Kiernan
    22 Jan 2015 | 5:30 am
    Despite the fact that fraudulent losses amount to only $0.05 per $100 in credit and debit card transactions, consumers have an obvious and increasing fear of fraud – particularly the digital variety. Identity theft and hacking are actually Americans’ two biggest fears, according to a recent Gallup poll, reflecting the toll recent data breaches have taken on our cultural psyche. Fear of fraud has unfortunately been known to influence consumer banking and spending habits, often dictating which payment vehicles we use and, in extreme cases, fostering a debilitating level of paranoia that…
  • International Credit Card Guide

    John Kiernan
    21 Jan 2015 | 5:05 am
    Differences in international monetary standards make spending money abroad often confusing and even downright difficult. When it comes to traveling overseas, consumers must not only determine the acceptable methods of payment for the countries they plan to visit, but also figure out a way to avoid foreign transaction fees and get the best exchange rates. On the other hand, international businesses—tasked with tackling the logistics of accepting international credit cards—often need to establish international merchant accounts and join international credit card processing networks. Given…
  • Penalty / Default APR Explanation & Tips

    Odysseas Papadimitriou
    21 Jan 2015 | 4:30 am
    The Penalty (or Default) APR is the interest rate that is applied to either a portion or the entirety of your balance once your credit card is in default. The rules for when the Penalty APR applies are different for general consumer credit cards and small business credit cards, as the latter were excluded from the Credit CARD Act of 2010. Below you will find separate explanations of how the Penalty APR works for both types of credit cards. Source http://www.cardhub.com/edu/default-interest-rate/
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    CreditDonkey

  • What to Buy (and Not Buy) in February

    25 Jan 2015 | 10:00 am
    The winter is half over and warmer weather is on the way, giving you time to find bargains while you wait out the cold. Look for sales to heat up around the Super Bowl and Presidents’ Day – two major retail holidays that bring deep discounts.
  • 23 Swoon-Inducing Valentine's Day Statistics

    24 Jan 2015 | 12:00 am
    The amount of money people spend to celebrate the holiday is mind blowing (who says money doesn’t buy love?). The CreditDonkey team tracked down 23 Valentine's Day statistics that will get your heart fluttering.
  • Study: Best Brokerage for Options - OptionsHouse vs TradeKing vs OptionsXpress

    23 Jan 2015 | 12:00 am
    Options trading is not an advanced investment strategy reserved for the most experienced of traders and certain undomesticated canines of Wall Street. When used correctly, options can help add flexibility to an investor’s portfolio and offer some protection when the market goes down.
  • Study: Best Wireless Speakers - Sonos vs Bose vs Airplay

    22 Jan 2015 | 12:00 am
    Many households have pared down their entertainment systems from bulky TV sets to flat screens and five CD changers to iPods, but there is still a big way to streamline how you get your music fix. We’re talking about systems that make it so you can access your entire music collection from one place, control it from afar, and hear your favorite tunes beautifully, with the best sound quality possible.
  • 23 Scary-but-Exciting Startup Failure Rate Statistics

    21 Jan 2015 | 12:00 am
    Owning your own company comes with a lot of perks, and more people than ever are jumping on the startup bandwagon. Approximately 543,000 new businesses launch every single month, and many of them face some major hurdles as they struggle to get their footing in the marketplace.
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    Recent Blog Posts

  • Discharging Taxes - What Does it Mean to Willfully Evade Taxes?

    7 Jan 2015 | 4:03 pm
    WHAT DOES IT TAKE TO “WILLFULLY. . . EVADE OR DEFEAT” AN INCOME TAX? A couple months ago the Ninth Circuit Court of Appeals (which serves all of California and much of the West) ruled that it takes quite a lot for a taxpayer to “willfully. . . evade or defeat” an income tax for bankruptcy purposes. In Hawkins v. Franchise Tax Board of California and IRS the court ruled that a formerly very wealthy executive was NOT “willfully” evading $29 million in income taxes during a period of two and a half years that he knew that he and his spouse owed that tax debt…
  • Can Stores Repossess What You Bought With The Store Card?

    30 Dec 2014 | 12:14 pm
    Do Credit Card and “Store Card” Creditors Have a Right to Repossess What You Bought on Those Cards After You File Bankruptcy? A few months ago I wrote about “Reaffirming Personal Property Other Than Your Vehicle.” A “reaffirmation” is an agreement in bankruptcy to continue paying on a debt, usually done so that you can keep the collateral on that debt. It is most commonly done with vehicle loans, but this earlier blog post discussed the legal principles at play with other kinds of personal property collateral, such as furniture, appliances, and electronics.
  • 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…
 
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    The Penny Hoarder

  • Get Paid to Drink Beer: How to Become a Brewmaster

    Steve Gillman
    24 Jan 2015 | 3:00 am
    At a big brewery in Milwaukee, a tour guide told me the employees used to be allowed to drink beer during lunch, and they were given a case of beer to take home at the end of every week. Alas, those days are gone. But if you love beer, especially craft beer, you can still drink on the job as a brewmaster at a brewpub. Naturally, you have to taste-test your creations, and for a beer lover that might be the highlight of the day’s work. But you better make it just a sip or two because, according to brewmaster Chris Shea, it’s a dangerous and dirty job. He says, “We’re…
  • Love Pets? Help People Grieve Their Losses as a Pet Funeral Home Director

    Lisa Rowan
    23 Jan 2015 | 10:00 am
    This post is part of our series on Weird Jobs. Check out the other articles to learn about more weird jobs you could try! Whether you have a preference for dogs or cats, you can probably guess that a lot of people spend a lot of money on their pets. The U.S. pet care industry earned more than $52 billion in 2011. To put that in more reasonable terms, think of it this way: pet owners spent more on their furry friends than they did on alcohol, handing over at least $450 each. What that means for you as an entrepreneur: as we’ve noted before on The Penny Hoarder, the pet industry offers many…
  • Fix Your Ride: 7 DIY Car Maintenance Tasks That Will Save You Money

    Jack Linhart
    23 Jan 2015 | 3:00 am
    The other day, my truck’s windshield wipers turned on for no reason and would not stop. The problem turned out to be the switch, which seemed like a simple replacement — except the quote said $400! Unfortunately, this kind of quote is far from unusual when dealing with vehicle maintenance, and often it’s not because of expensive parts. I’ve often heard from mechanics that their labor is rated at $80 to $100 per hour! After working as a pizza delivery driver for three years, I know the only way to drive cheaply is with good, regular maintenance. Keeping your vehicle in good…
  • Get a Free $10 Amazon Gift Card Just for Signing up at Personal Capital

    Kyle Taylor
    22 Jan 2015 | 12:00 pm
    Another day, another free money alert. Today’s free cash comes from Personal Capital, a portfolio management site, and they are giving away $10 to everyone who opens a free account! I’ve been playing around with their site this week and it reminds me a lot of Mint.com. Basically, you input your account information and then their website helps you track your investments, credit card balances and changes o your checking/savings accounts. The layout is pretty cool too – a number of full-color charts & graphs lets you easily visualize all of your financial accounts at once.
  • Want to Work From Home? These 100 Companies Offer Remote Positions

    Kelly Gurnett
    22 Jan 2015 | 10:00 am
    If you’ve ever dreamt of working from home, we’ve got some good news for you: there are more remote and flexible jobs than ever before. Telecommuting has become so popular, and so many companies now offer the perk, that FlexJobs, an online service for professionals seeking telecommuting, flexible schedule, part-time and freelance jobs, compiled a list of the top 100 telecommute-friendly employers. The number of remote jobs posted over the last year alone has risen 27%, FlexJobs reports. That means lots of opportunities if you’re on the hunt for remote work! The Top 100 Companies for…
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    Consumer Help Central

  • 6 Questions To Answer Before Settling Your Debts

    Jay Fleischman
    20 Jan 2015 | 1:00 am
    I get dozens of questions each day from potential clients, but the top question when it comes to bankruptcy is this: Isn’t it a better idea to settle my debts instead of filing for bankruptcy? Sadly, there’s no right or wrong answer to that question. For some people, filing for bankruptcy makes the most sense. For others, debt settlement is the weapon of choice. Here are some of the considerations you should take into account when making the decision between filing for bankruptcy and engaging in debt settlement. How many debts do you have? If you’ve got only 1 or 2…
  • How To Deal With Private Student Loans When You Fall Behind

    Jay Fleischman
    14 Jan 2015 | 3:00 am
    If you’ve got private student loans, you’re more likely to fall behind on them than on your credit card debt. Given the way private student loans are structured, that shouldn’t be a surprise. Balances on private student loans tend to be in tens of thousands of dollars, and the notes often carry interest rates approaching those of a standard Visa or MasterCard. But with private student loans given out to people with little or no income and years of low earnings before they hit their financial stride, those debts are far more likely to fall into default. Because private…
  • Midland Funding – What You Need To Know About This Debt Buyer

    Jay Fleischman
    12 Jan 2015 | 3:00 am
    Midland Funding is a company that buys old credit card debts. But that’s just the tip of the iceberg. If you go past due on a credit card debt, it’s going to be sold to another company. That’s how credit card companies make their money – by selling old debts that they can’t collect on their own. The companies who buy old debts usually pay far less than face value for the account, so your $5,000 debt may be sold for as little as $500 depending on the exact nature of the account. Once the deal is done, the credit card company is out of the picture and only the…
  • 7 Reasons Why You May Not Want To Settle Old Debts

    Jay Fleischman
    5 Jan 2015 | 3:00 am
    When you’re behind on your bills, you can expect debt collection calls and letters. Depending on how far behind you are, those calls and letters range from the innocuous (hey, it looks like this one slipped your mind … maybe send some money?) to the downright scary (if you don’t pay us right now, we’re going to sue you!). If you’ve got the ability to do so, you want to settle the debt either by paying in full or negotiating a lower balance. Not so fast. Sending payment may, in fact, be the worst possible idea. Here are just a few reasons why: If the debt has been…
  • 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…
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    John Rothe | Market Strategist, Portfolio Manager, Quant Guy, And Sometime Superhero To My Kids

  • Sector Overview: Relative Strength And Trends

    John Rothe
    14 Jan 2015 | 2:52 pm
    The Bad: Financials    Financials are breaking down. Perhaps some are starting to worry about what the impact of “longer” term, low oil prices will have on overly leveraged hedge funds…       Energy:   No surprises here. Energy is still getting crushed. Notice the recent MACD crossover. This could be the start of a much larger decline in this sector.       Materials:   A pickup in hiring as shown in the December jobs report may not last long. Investors seem to not be impressed with recent job trends and the amount of workers…
  • Global Asset Allocation Strategy 2015

    John Rothe
    8 Jan 2015 | 8:52 am
      Happy New Year! – Thank you for all your support over the past year and I hope you have a safe and happy 2015.   Now to the markets… My global asset allocation model has been very conservative over the past quarter. January looks to be no different. Last month the strategy performed as such: Backtested data calculated using ETFreplay The strategy, which is based on relative strength and moving averages, kept half the portfolio in US Treasury bonds. (“TLT”). This allowed the strategy to avoid some of the global market volatility we saw in December, however…
  • 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…
 
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    Thirty Six Months

  • Tips to Get the Working Year off to a Good Start

    Marissa Anwar
    21 Jan 2015 | 7:10 pm
    It’s January and it’s back to work. You’ve had a bit of time off over Christmas and now it’s time to roll up the sleeves and get stuck back into it. While it can be difficult to shift from ‘holiday-mode’ to ‘work-mode,’ here are some great tips to help you get the working year off to a flying start. Revisit Your Goals Your business plan should clearly outline where your business is heading and how it’s going to get there. At the start of the new year, take some time to reacquaint yourself with these goals and make sure you’re on track to achieve them. Perhaps you might…
  • Low Budget Entertainment Ideas

    Marissa Anwar
    20 Jan 2015 | 10:28 pm
    When you think entertaining, it’s easy to imagine hours spent slaving away in the kitchen to create the finest of buffets to impress friends. But who says entertaining shouldn’t be easy or inexpensive? Here are some creative and fun entertaining ideas that won’t break your back or your budget. Ultimate Barbeque A backyard barbeque is the quintessential way to embrace low budget entertaining in a really casual way. It’s a relaxed way to spend an afternoon or evening with minimal preparation or cost. Most people expect to bring something to barbeques so encourage them to do just that.
  • 5 Stock Picking Secrets Revealed

    Marissa Anwar
    28 Dec 2014 | 11:10 pm
    It’s easy to get tangled in the buzz of hot stocks every day, but picking a winner requires some serious work. When picking stocks, things like luck and coincidence can only take you to a bridge, not help you cross it. The real success lies in understanding how to make a smarter investment. If you’ve tried and tested stock picking and tasted sour losses, then it’ time to gear up and unveil some best kept stock picking secrets. Following these secret mantras will not just help you make big bucks, but will also stabilize your profitability. Know What You Own Take it from the experiences…
  • 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…
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    Thirty Six Months

  • Tips to Get the Working Year off to a Good Start

    Marissa Anwar
    21 Jan 2015 | 7:10 pm
    It’s January and it’s back to work. You’ve had a bit of time off over Christmas and now it’s time to roll up the sleeves and get stuck back into it. While it can be difficult to shift from ‘holiday-mode’ to ‘work-mode,’ here are some great tips to help you get the working year off to a flying start. Revisit Your Goals Your business plan should clearly outline where your business is heading and how it’s going to get there. At the start of the new year, take some time to reacquaint yourself with these goals and make sure you’re on track to achieve them. Perhaps you might…
  • Low Budget Entertainment Ideas

    Marissa Anwar
    20 Jan 2015 | 10:28 pm
    When you think entertaining, it’s easy to imagine hours spent slaving away in the kitchen to create the finest of buffets to impress friends. But who says entertaining shouldn’t be easy or inexpensive? Here are some creative and fun entertaining ideas that won’t break your back or your budget. Ultimate Barbeque A backyard barbeque is the quintessential way to embrace low budget entertaining in a really casual way. It’s a relaxed way to spend an afternoon or evening with minimal preparation or cost. Most people expect to bring something to barbeques so encourage them to do just that.
  • 5 Stock Picking Secrets Revealed

    Marissa Anwar
    28 Dec 2014 | 11:10 pm
    It’s easy to get tangled in the buzz of hot stocks every day, but picking a winner requires some serious work. When picking stocks, things like luck and coincidence can only take you to a bridge, not help you cross it. The real success lies in understanding how to make a smarter investment. If you’ve tried and tested stock picking and tasted sour losses, then it’ time to gear up and unveil some best kept stock picking secrets. Following these secret mantras will not just help you make big bucks, but will also stabilize your profitability. Know What You Own Take it from the experiences…
  • 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…
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    Compare Wallet: Making Sure Your Money Isn't Accepting Second Best

  • Credit Cards in the News: January 17-23, 2015

    Chris Mettler
    23 Jan 2015 | 6:34 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  January 17-23, 2015. Consumers Fail to Fix Credit Report Errors A new FTC study found that one in four consumers who disputed information in their reports give up on correcting credit report errors. Five percent, or 10 million consumers, had errors serious…
  • Credit Cards in the News: January 10-16, 2015

    Chris Mettler
    16 Jan 2015 | 8:21 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 January 10-16, 2015. Free FICO Credit Scores Bank of America and Chase announced they will begin providing their credit cardholders with free access to their FICO credit scores. Since FICO began allowing lenders to make credit scores available to consumers in…
  • 20 College Scholarships With Easy Applications

    Chris Mettler
    13 Jan 2015 | 5:00 am
    The cost of a college education is becoming more and more of a burden for many students and their families. In 2013, college grads had an average of $35,200 in college-related debt and tuition accounts for between 1/3 and 1/2 of the total cost of attendance. Seventy percent of college students graduate with loans, but the return on investment for a college education remains at 14-15%. One of the best ways to offset these costs is for students to apply for scholarships, and luckily, there are thousands of college scholarships available for students. Some require hours of work to apply and have…
  • CompareCards EdU: A College Scholarship Program

    Chris Mettler
    12 Jan 2015 | 8:42 am
    In the United States, 70 percent of students graduate with loans and the national student debt is a staggering 1.1 trillion. College costs are continuing to rise and we want to help current and future students (and families!) manage college debt. We recently launched the EdU Scholarship Award program to help set students up for financial success. Each month we will award $2,500 to any qualifying college (or college bound) student that can answer a tricky trivia question. Using your best pop culture and math skills, and probably a bit of help from Professor Google, you should be able to answer…
  • Sheetz Visa Credit Card Review

    Bethany Carlson
    9 Jan 2015 | 2:00 pm
    Sheetz describes their stores as a kicked-up convenience store that’s a mecca for those on the go. Sheetz provides service 24/7/365 so their customers always have access to gas, food and drinks. You can find an entire menu of food items that can be customized to your liking by using their touch screen ordering system or choose from about a dozen Espresso bar drinks for the sleepy road warrior who still has more driving to do. Sheetz also has a store credit card for the frequent visitor to help you save on gas and earn rewards for your purchases, which is provided by First National Bank.
 
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    Feeds : dailyworth

  • 3 Quick Tips to Save Hundreds of Dollars

    19 Jan 2015 | 9:00 pm
    A few weeks ago, I saved our family $792 a year with a single, 10-minute phone call. A few months earlier, another quick call saved us $833 a year. Many times, saving money requires time and energy — sometimes for very little payoff. I prefer the lazier way: quick hits that don't take long but that reap big benefits. Here are some small ways to save big. 1. Call your cell phone company. In case you haven't noticed, there's a price war going on among cell carriers right now. The major ones are slashing the costs of their plans even as they're enriching what you get…
  • How to Deal With Debt Collectors

    15 Jan 2015 | 9:00 pm
    Here’s the Plan You don't have to be a hot financial mess to have collection accounts ruining your credit. Rosemary had great credit scores until a $46 medical bill went into collections. Her scores plummeted by more than 100 points and she was turned down for a credit card. The kicker? She had proof that she’d paid the bill — a receipt from the medical provider. "I recently moved and need a good credit rating for numerous reasons," Rosemary wrote me. "Can you please let me know what to do?" Legitimate or not, collection accounts can wreak havoc on your…
  • 7 Money Habits to Start Now

    5 Jan 2015 | 9:00 pm
    Practice Makes Perfect Have you ever noticed how many people are in the gym on January 2? But a few weeks later, it’s business as usual again. Why? Because forming good habits takes time and a real commitment. You can’t just wish your way to doing it — you actually have to DO IT. If you want to be good with money (like Oprah-level good), here are seven financial habits to start forming today. This is one resolution you can make last. Track Your Spending Ever wonder where the hell all your money is going? Now you can find out. It may sound like a lot of work, but writing down…
  • 10 Money Resolutions You Should Make This Year

    30 Dec 2014 | 9:00 pm
    Get Rich in 2015 It’s that time of year. Yes, the week when millions of Americans make their oaths to the fitness gods. Being physically fit is certainly a worthy (if elusive) goal. but many of us have finances that — let’s face it — are a little out of shape too. So this year, why not make resolutions that will make you healthier and wealthier? “The essence of New Year resolutions is verbalizing your hope and dedication to achieving your goals,” says Robin Young, CFP and CEO of Women Behaving Wealthy. If you make a promise to yourself to…
  • 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…
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    Money Q&A

  • How To Rebuild Your Credit After A Short Sale

    Hank Coleman
    19 Jan 2015 | 2:00 am
    Short sales continue to increase despite the seeming rebound in housing markets across America. According to RealtyTrac, short sales and foreclosures comprised of 16.2 percent of U.S. home sales in 2013. This was up from 2012, when 14.5 percent of home sales were short sales and foreclosures. In a short sale, the mortgage lender agrees to let a homeowner accept an offer for their home that’s less than the amount owed on the loan. The bank takes all the proceeds, but the seller walks away with the remaining debt forgiven. Choosing to go that route will put a serious dent in your credit…
  • Now Is The Time To Start Saving For Next Christmas

    Hank Coleman
    5 Jan 2015 | 2:00 am
    Are you still reeling from your credit card bill after buying Christmas presents? You’re not alone. Many Americans continue to put holiday spending on credit cards despite the warning signs of building consumer debt. According to the National Retail Federation, holiday retail sales in 2013 increased 3.8 percent to $601.8 billion. More than $42 billion was spent online, a 10 percent increase in last year. We give generously to our friends and family members each holiday season. That’s fine until you reach for your credit cards to give the gifts and spend months paying the balances…
  • How to Spend Smart for Your Business

    Guest Contributer
    28 Dec 2014 | 3:00 am
    Every good business owner should have a plan for how they will spend their hard-earned cash for the year. Whether it’s putting more of your cash into hard-line advertising or giving more discounts and promotional offers to your customers, there’s no doubt that you will have to spend on expanding your business and increasing its sales. But before you take the necessary steps to spending for your business, you need to make sure that you have a well-thought-out plan on how much you are really going to spend, and for what. In addition, you should also keep a clear record of your expenses…
  • 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…
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    Forex Weekly Technical Indicators Statistic Record

  • GBP-CHF Post Technical Analysis

    Meiji Jap
    18 Jan 2015 | 4:46 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: Time: Once i have witness it myself the unpredictable thing that happens in Forex history. After the swiss bank release its cap against the European currency any of the
  • 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
 
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    Creative Money

  • How to raise your money set point

    Mindy Crary
    20 Jan 2015 | 10:54 am
    You arrange your life to match your unconscious expectations of what amount of money you “should” have—this is your money set point. You have an upper limit that prevents you from busting through your comfort zone, and a lower limit that prevents you from financially crashing. Your upper money limit The upper limit is the reason why some people can’t sustain making a lot of money—think about lottery winners or professional athletes; 80% of them lose all of the money they made within a couple of years! To help identify your upper limit, think about an amount of money that you feel…
  • The top 5 ways an entrepreneur wastes money

    Mindy Crary
    13 Jan 2015 | 10:21 am
    Running a business and being an entrepreneur means making the most of your money.  But an entrepreneur often makes the mistake of thinking that a business is more expensive to run than it actually is!  The key is to be conscious about what you are spending money on, and to avoid the pitfalls of focusing on everything except your revenue.   As an entrepreneur, avoid these mistakes Here are the top 5 mistakes I see entrepreneurs make when they are running their businesses: Emphasizing anything over connection.  The number one thing that all businesses must do is AQUIRE CLIENTS.  If…
  • How to increase your wealth this year

    Mindy Crary
    6 Jan 2015 | 9:33 am
    For most people, increasing wealth is less about cutting back drastically, and more about capturing opportunity—but you must identify for yourself what opportunities motivate you. What happens more often than not is two things: If you don’t feel like you have something specific motivating you to save money, it slips away If there is excess money hanging out in your checking account, it gets spent—and probably on something random and uninspiring. Here is what I want you to resolve to do this year: Make more and KEEP MORE of your money; and Spend your money on things that inspire you.
  • 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…
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    Three Thrifty Guys

  • How to Estimate Your 2014 Tax Return

    Aaron
    21 Jan 2015 | 3:26 am
    When I was younger, I used to love doing my own taxes. My dad would pick-up a 1040EZ form from the library and help me get my W-2 together from my employer. Things were easy then. And, I always got a refund.  Fast forward to today – and I struggle to keep up with all the new tax changes and making sure that I can deduct enough to offset my supplemental income. If I were filing by mail and all the forms were stacked up, they’d struggle to stay thinner than a National Geographic magazine. Times have changed. I’ve used many different means to prepare my taxes: have done them…
  • 9 Things to Purchase at Trader Joe’s Because They Are (Usually) Cheaper Than Anywhere Else

    Aaron
    19 Jan 2015 | 4:03 am
    My wife and I are fans of Trader Joe’s. If you’re fortunate enough to have a location in your area, there are some items you might want to purchase there instead of at your local grocer, warehouse store or your preferred shopping destination. I’ve written before about how to save money at Trader Joe’s (TJs) (for Jean Chatzky’s website) since we frequent it several times a month. They claim to have the least expensive prices in town on a lot of goods and consider a “sale” to a be a four-letter word. From their website:  We have low prices, every…
  • How I Pay $10 a Month for My Cell Phone

    Aaron
    14 Jan 2015 | 4:12 am
    As I’ve gotten older, it takes me longer to make changes that otherwise would be a “no-brainer”. And, this even goes for things that I know will save me money – like my cell phone bill. But, after reading about Charlie’s experience earlier last year and doing a little research on my own, I decided to take the plunge and signed up for Republic Wireless last August. I wanted to share about my (almost) 5 months of experience with their service and how it’s gone (the good and the bad). If you are looking for a technical review of Republic Wireless, this…
  • What Things Are You Willing to Pay a Premium Price For? (Even Though You Can Get Them Cheaper)

    Aaron
    9 Jan 2015 | 4:03 am
    This is something I’ve been thinking about for awhile: things that I’m willing to pay a premium price for, though I can find them cheaper elsewhere. For us thrifty types, this is sometimes a tough pill to swallow – but often makes sense. I’ll often buy at a premium if the following are true: The item is much better quality than its competitors – and will last longer There is an unbeatable guarantee or warranty with the product/service The customer service is exceptional It’s one-of-a-kind I want to splurge (rare) or buying a gift Years ago, I bought…
  • How to Score Discounts With Customer Loyalty

    Aaron
    7 Jan 2015 | 4:44 am
    I’ve written before about using customer loyalty to your advantage. Often, we see “newbie” customers getting rewarded when they sign up for a service or purchase a product. This kinda irks me. I realize that companies need to continually add new users/purchasers to their roster. It’s just part of the market economy and (if they are publicly traded), an important aspect to increasing “shareholder value”. Sometimes in that pursuit to more and more profits, they forget about one of their biggest asset: the existing, loyal customer.  If you have been using a…
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    Nerd's Eye View | Kitces.com

  • Weekend Reading for Financial Planners (Jan 24-25)

    Michael Kitces
    23 Jan 2015 | 12:10 pm
    Enjoy the current installment of "weekend reading for financial planners" - this week's edition kicks off with the latest statistics from Cerulli Associates on the number of financial advisors, finding that while the industry headcount fell another 2% to about 287,000 advisors in 2013, it is now projected to begin rising by 1%/year as the advisor finally begins to step up its efforts to bring young/new advisors into the business. Also in the news this week is a new study from TD Ameritrade on Millennials who inherit wealth, finding that the overwhelming majority of high-net-worth…
  • When A Roth IRA May Actually Be A Terrible Asset To Inherit

    Michael Kitces
    21 Jan 2015 | 4:01 am
    The tax-free nature of growth on a Roth IRA makes it a highly appealing investment account to hold, and a similarly appealing type of account to inherit. All else being equal, it’s clearly better to be the beneficiary of an account that will never be taxed, than one that will be taxed over time. However, the caveat to leaving a Roth IRA as an asset to inherit is that doing so implicitly means that the original IRA owner will have paid taxes to get money into the account, either through systematic contributions spanning many years, or possibly through a large Roth conversion (or a series of…
  • Measuring The Success Of Your Financial Advisor Website Using Google Analytics To Track Activity And Goals

    Michael Kitces
    19 Jan 2015 | 4:01 am
    In an increasingly digital world, an advisory firm’s website is becoming an increasingly important part of the process in obtaining new clients. In fact, from the potential for prospective clients to find you through Google searches, to the fact that even someone referred to you may go online to check you out first, for many financial advisors their website will actually be the prospect’s first impression of the firm! Unfortunately, though, most financial advisors don’t actually track and monitor the activity on their website, despite the wealth of available information. Tools like…
  • Weekend Reading for Financial Planners (Jan 17-18)

    Michael Kitces
    16 Jan 2015 | 12:01 pm
    Enjoy the current installment of "weekend reading for financial planners" - this week's edition kicks off with the formation of a powerful new coalition, including the Consumer Federation of America, AARP, the AFL-CIO, and more, to support the "imminent" release of the Department of Labor's newest fiduciary proposal; the coalition has created a new online petition to mobilize consumer support as well. Also in the news this week is a new petition to the Supreme Court in a case questioning whether BlackRock is keeping too much of its securities-lending-based income from its popular ETFs, and…
  • Even Safety-First Retirement Income Strategies Are Probability-Based – The Real Distinction Is Risk Transfer Vs Risk Retention

    Michael Kitces
    14 Jan 2015 | 4:01 am
    The ongoing decline of defined benefit plans and pensions, and the associated rise of defined contribution plans – in the US and around the globe – is leading to a growing body of research around how best to “de-cumulate” a lump sum of assets after they have been accumulated in the first place. To address the challenge, a wide range of strategies have emerged, some built around a “safety-first” framework of guaranteeing a base of income (e.g., with annuitization or a pension) and building on top of that, while others have focused on a more “probability-based” portfolio-centric…
 
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    Epic Finances - Investment Blog

  • Top Reasons to Choose an Accounting Career

    Carmello
    13 Jan 2015 | 3:59 pm
    Choosing a career in accounting is like propelling oneself towards a broader world of opportunities. To be a good accounting professional one must have the aptitude for mathematics, be able to comprehend and analyse facts and figures quickly and interpret the results into business decisions and strategies. In the last couple of decades the field of accounting has changed drastically in response to trends such as government regulations, changes in tax laws, the globalization of business and the restructuring of small and large corporations. Here are the top four reasons that justify how…
  • 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…
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    The Savvy Scot

  • New year financial boot camp: Cut your grocery bill

    Pauline
    17 Jan 2015 | 10:30 pm
    Are you ready to kick start the new year with a bang? To help you do just that, I have put together a month long financial boot camp, with one or two tips per week and a call to action. Together, we will review several aspects of your financial life to make sure you start the year in good shape. We have already looked at your utility bills and I put together a detailed guide about how to lower them, as well as your monthly debt payments. Then, we talked about how you can reduce one of your biggest expense: your mortgage, and how you can challenge your council tax banding. Now let’s see if…
  • New year financial boot camp: Challenge your council tax banding

    Pauline
    17 Jan 2015 | 10:25 pm
    Are you ready to kick start the new year with a bang? To help you do just that, I have put together a month long financial boot camp, with one or two tips per week and a call to action. Together, we will review several aspects of your financial life to make sure you start the year in good shape. We have already looked at your utility bills and I put together a detailed guide about how to lower them, as well as your monthly debt payments. Then, we talked about how you can reduce one of your biggest expense: your mortgage. Today, let’s tackle another living expense, your council tax.  …
  • New year financial boot camp: refinance your mortgage

    Pauline
    15 Jan 2015 | 10:22 pm
    Are you ready to kick start the new year with a bang? To help you do just that, I have put together a month long financial boot camp, with two tips per week and a call to action. Together, we will review several aspects of your financial life to make sure you start the year in good shape. We have already looked at your utility bills and I put together a detailed guide about how to lower them, as well as your monthly debt payments. Today, let’s see how you can reduce one of your biggest expense: your mortgage.     courtesy of freedigitalphotos.net   Are you paying too much?
  • New year financial boot camp: lower your monthly debt payments

    Pauline
    14 Jan 2015 | 10:59 pm
    Are you ready to kick start the new year with a bang? To help you do just that, I have put together a month long financial boot camp, with one or two tips per week and a call to action. Together, we will review several aspects of your financial life to make sure you start the year in good shape. Last time, we looked at your utility bills and I put together a detailed guide about how to lower them. Today, let’s talk about how you can lower your monthly debt payments.   courtesy of freedigitalphotos.net     Are you paying too much?   Unless your mum lent you money at 0%…
  • New year financial boot camp: utilities and bill check-up

    Pauline
    14 Jan 2015 | 10:17 pm
    Happy New Year! I hope you had a lovely holiday season and you are ready to kick start the new year with a bang. To help you do just that, I have put together a month long financial boot camp, with two tips per week and a call to action. Together, we will review several aspects of your financial life to make sure you start the year in good shape. First, let’s have a look at your bills.   courtesy of freedigitalphotos.net Are you paying too much?   I review my utility bills once a year to make sure I get the best deal. If you don’t, once your introductory offer ends, you are…
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    I Need Money

  • How to Choose a Forex Trading Platform

    admin
    11 Jan 2015 | 10:29 am
    Forex is a complex and little understood field. Many people choose to invest in more traditional areas due to their own ignorance, but for those who take the time to do their research and gain experience, it can offer great rewards as well as great risks. One of the keys to becoming a successful forex trader is choosing the right trading platform. A trading platform is a type of software that functions as an information conduit between traders and brokers. Many investors now conduct their trades online, and the platform they use must contain the same sort of information as its more…
  • 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…
 
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    Zoho Blogs

  • 5 Tips to Up Your Recruiting Game for 2015

    Austin Ries
    23 Jan 2015 | 8:25 am
    The new year is officially underway and the signs are everywhere. There’s a signup sheet for treadmills at the gym, the produce aisle at your supermarket is bustling with people buying kale and other vegetables and your friends have all informed you they are quitting Facebook – “like for real,” this time. Whether or not you are still committed to your New Year’s resolutions (hopefully you are), Zoho Recruit wants you to know it’s never too late to set and work toward achieving your professional goals in 2015. So with that in mind, lets look at a few ways you can up your…
  • Go Paperless with Zoho Books and Entryless

    Reshma Roy
    22 Jan 2015 | 11:32 am
    Sifting through hundreds of emails in your inbox to find due bills is downright painful. More tedious is to have to manually type all that bill information back into your accounting system. Automating accounts payable processes has been the prerogative of larger businesses. Not any more. If you’re a small business dealing with more than 50 bills a month, it’s time you consider an effortless way to streamline your AP tasks. Entryless, a leading accounts payable service, is now integrated with Zoho Books. Your suppliers can now email bills in any format—PDFPNGJPEG or…
  • Customer Spotlight: How Visual BI Used Zoho People to Empower Employees

    Aarthi Elizabeth
    22 Jan 2015 | 1:01 am
    “We were looking for a one-stop solution for managing our HR processes and we are glad we found Zoho People,” said Brinda Jayaram, HR Manager at Visual BI. Headquartered in Plano, Texas, Visual BI is a leading consulting firm in business intelligence and analytics, driving high-touch customer engagements through an agile delivery model. The company enables big data analytics and visualization for its customers, on the cloud. Their World Before Zoho People Towards the end of 2013, Visual BI decided to put in place a human resource management system. Defining work flows and other HR…
  • Celebrating 10 Years: Zoho CRM Free For SMBs with Up To 10 Users

    Rodrigo Vaca
    21 Jan 2015 | 8:55 am
    It is a relatively common practice among SaaS companies to give a lot of their product away at the beginning and then cut back on free offerings (sometimes even cutting them entirely) as they grow and mature. The reason is quite simple: while the company is new and flush with cash, it is easy to give the product away. But, when the VCs start asking about the revenue growth the company promised, the free offerings are the first to go – and price increases arrive. The company needs to extract more money from their current leads – and the smaller customers are hung out to dry. By now…
  • Zoho Projects 5 is Here and Five Fabulous Reasons to Love It!

    Hari Narayanan
    20 Jan 2015 | 6:45 am
    2015 will be the year for Zoho Projects. That’s no idle boast, for it’s still January and we’re already announcing Zoho Projects 5!   1. An Intuitive New User Interface: The new UI is faster, more appealing and with a full-screen design that makes the best use of your display. But we didn’t stop there. We improved convenience and organization at the same time. Most recently accessed projects are displayed on the top bar, letting you switch easily. New project customization tab shows up on the right panel, providing context as you make changes.
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    Cult Of Money

  • How to Actually Stick to a Budget

    Alexa Mason
    21 Jan 2015 | 12:15 am
    The month is more than half way over and I’m feeling great about the progress I’ve made. While I normally do in-my-head budgeting I decided to switch things up and instead create a written budget this month. I’ve also once again tracked my expenses down to the penny. Although this time around has been so much easier than the last. Here are the things that have helped me to stick my written budget this month. Set a Realistic Budget From The Beginning Sometimes you can get a little overly ambitious, thinking you’re going to spend a third of what you normally do. I’ve done it. I’m…
  • How I Save on Everyday Expenses

    Karl
    16 Jan 2015 | 12:15 am
    This post is part of the TaxACT How I Save blog tour which teaches you ways to keep more money in your pocket. Last year, TaxACT saved America over $240 million on tax preparation. How much can you save? To learn more about tips and strategies on saving, click here.  While I’m not into pinching pennies at the extreme level I have come to realize that those little things we spend money on everyday really do add up! In case you’ve never heard of it, “the latte factor” explains this very clearly. Basically the small things we continually spend money on like coffee, for example,…
  • How Being Positive Improves Your Finances

    Alexa Mason
    14 Jan 2015 | 12:15 am
    As you may know by now I tend to get on little “kicks.” Basically, I find something in my life that I want to improve and that I think will indirectly affect all of the other areas in my life and then I go full force for a while trying to develop this into a long term habit. Right now I’m working on developing a more positive attitude. How Having a Positive Attitude Impacts Your Entire Life Over the past months I feel like I’ve had some breakthroughs in my personal and professional life. Everything is going really smoothly right now. As I look back over the past few years I can…
  • How to Stop Living Paycheck to Paycheck this Year

    Alexa Mason
    7 Jan 2015 | 12:15 am
    It really breaks my heart to see hard working people barely scrape by when they’ve done everything in their power to keep their expenses low and manage their money wisely. I was in this position briefly after getting divorced and have family members who are in this position now. It is hard to know you’re doing everything “you’re supposed to be doing” but yet, you still can’t get ahead. This post is for those of you who have already cut your expenses to down to the bare minimum, are earning minimum wage or close to it, and who just feel desperate and trapped. These are the steps I…
  • 6 Ways to Live a More Natural Lifestyle

    Alexa Mason
    31 Dec 2014 | 12:15 am
    One of my main goals for 2015 is to waste less. I want to waste less of all of my resources – money, food, etc. I’ve come to the conclusion that one way for me to be more intentional with my money is to live a more natural life. Instead of spending money on materialistic items to instead go back to my roots and try to make do with what I have. Here are some ways I’ll be trying to live more naturally to save money. Making My Own Cleaners I started experimenting with making my own cleaners about a month ago when I noticed this awful smell coming from my bathroom sink. I started…
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    PFhub - Business, Financial & Economic News

  • Apple Inc. Weekly Round up: IPad Pro, 64-bit & Apple Watch

    Kaitlin Longmire
    24 Jan 2015 | 10:54 am
    The week was full of announcements, official and unofficial, regarding Apple Inc.’s (NASDAQ:AAPL) upcoming products and services, both positive and negative. The overall trade off was balanced, and hence the stock price only slightly improved in the week. The first news was a rumor regarding the iPad Pro, and stated that Apple Inc. was developing […]The post Apple Inc. Weekly Round up: IPad Pro, 64-bit & Apple Watch appeared first on PFhub - Business, Financial & Economic News.
  • Is Samsung Still Trying to Acquire BlackBerry

    Andrew Moran
    24 Jan 2015 | 10:43 am
    Business outlets were abuzz Wednesday evening when Reuters reported that Samsung placed an offer on the table to purchase BlackBerry. A source close to the situation told the newswire that Samsung is offering between $13.35 and $15.49 per share, or $7.5 billion, to buy BlackBerry, primarily for its suite of patents. On late Wednesday evening, […]The post Is Samsung Still Trying to Acquire BlackBerry appeared first on PFhub - Business, Financial & Economic News.
  • Google Inc. Weekly Roundup: Google Glass & Mobile Data

    Kaitlin Longmire
    24 Jan 2015 | 10:38 am
    Google Inc. stocks performed really well in the past week, and a lot of credit goes to the positive reaffirmations Google Inc. (NASDAQ:GOOG) made during the week. Previously, news of Google’s withdrawal of the Glass technology had shook investors, who feared the company had hit, after a long time, a roadblock in its growth and […]The post Google Inc. Weekly Roundup: Google Glass & Mobile Data appeared first on PFhub - Business, Financial & Economic News.
  • Apple Inc. to Store User Biometric data on iCloud

    Kaitlin Longmire
    24 Jan 2015 | 10:31 am
    Apple will use iCloud to store Biometric data from Apple Pay; according to the iPhone maker, the move is being made to ensure a seamless process of mobile payment when using the Apple Pay service. To ensure a secure data verification system, instead of storing information on the device only, Apple Inc. (NASDAQ:AAPL) will also […]The post Apple Inc. to Store User Biometric data on iCloud appeared first on PFhub - Business, Financial & Economic News.
  • What the Mobile Data Industry Should Expect from Google’s Entry

    Kaitlin Longmire
    24 Jan 2015 | 10:23 am
    Google is on its way to providing the world with solutions that not only solve everyday problems but are also efficient and, hence, cheap. There are two ways Google Inc. (NASDAQ:GOOG) deals with the issues that the world faces. It deals with issues that the world does not necessarily considers issues (technology which it can […]The post What the Mobile Data Industry Should Expect from Google’s Entry appeared first on PFhub - Business, Financial & Economic News.
 
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    Wealthy Turtle

  • How to Avoid Feeling Isolated and Lonely When Working from Home

    Melissa Batai
    21 Jan 2015 | 3:22 pm
    Many people dream of a day when they can work for themselves and do that work from home.  If you’re a parent who wants to combine both caring for your child and having a career, working from home may seem to be the best of both worlds, even if you do have to juggle finding time to work while taking care of the kids. What many people don’t think of until they’re already working at home is the sense of loneliness they may feel.  I have been a work at home mom for two years now, and while I don’t miss my old job or place of employment, I do sometimes miss the…
  • Save Money With A Programmable Thermostat

    Mike Collins
    19 Jan 2015 | 3:22 am
    Money Saving Mondays is an ongoing series where we share simple, actionable tips that you can use right away to start saving money immediately.  You can check out previous installments here. According to the US Department of Energy, heating and cooling account for about 48 percent of energy use in a typical home. That’s a big chunk of change, so you should take every opportunity you can to reduce your heating and cooling bills. One easy way you can do that is installing a programmable thermostat to automatically regulate the temperature in your home based on whatever schedule you set.
  • 2015 Stock Market Holidays

    Mike Collins
    16 Jan 2015 | 3:25 pm
    WHAT STOCK MARKET HOLIDAYS ARE SCHEDULED FOR 2015? Now that we’re into 2015, it’s time to start planning for the year ahead.  For example, investors will need to know when the stock markets are closed because those are days they can not make any trades. That goes for any automatic investments you might have set up with online discount brokers such as Scottrade. Of course, many businesses shut down on days when the stock market is closed, so there’s a good chance you’ll have these days off too!  If not, then maybe your day will be a little easier since many other people…
  • My Aweber Review – List Management and Email Autoresponder

    Mike Collins
    15 Jan 2015 | 2:31 pm
    In today’s post I’m going to tell you about my experiences with the Aweber autoresponder and email marketing service. What is Aweber? Aweber is a popular email list management and autoresponder tool used by bloggers, business owners, and internet marketers. It allows you to build a list of subscribers, send out an email newsletter, and create an unlimited number of email marketing campaigns using autoresponders so you can send out a series of messages automatically while you lay in the sun sipping cocktails. I use Aweber on this blog and on another site I own, and I have several ideas on…
  • Advantages of Dividend Investing

    Mike Collins
    14 Jan 2015 | 3:59 am
    Never Underestimate the Power of Dividend Investing Everybody wants to get the greatest return possible from their investments in the stock market. Who wouldn’t love to see their stocks double or triple in value? Although this may be the goal of investors, it is very difficult to achieve. One of the ways that investors can increase their chances of selecting winning investments is to invest in companies that pay dividends.  Let’s talk about some of the advantages of dividend investing so you can see what I mean… Dividends provide income Senior citizens love stocks that pay dividends…
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    Bank On Yourself

  • Slacker’s Guide to Goal Setting

    Pamela Yellen
    20 Jan 2015 | 11:31 am
    Many of us spend half our time wishing for things we could have if we didn’t spend half our time wishing.” – Alexander Woollcott It’s still early in the year and time to set our bright and shiny new goals for the next twelve months, often with the grand title of “New Year’s Resolutions.” Give me a break! Aren’t we busy and stressed enough just trying to keep up with where and what we are without the added effort of trying to make our lives better? Why waste our time going after goals when we can put our feet up and watch new episodes of The Good…
  • 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…
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    Smarty Cents

  • 10 Life-Changing Ways to Repurpose Household Items

    alissaharb
    23 Jan 2015 | 4:00 am
    Planning a purge for the new year? Before you toss anything, explore easy ways to creatively repurpose old items. Offering up endless decor and organizational uses, some of those old, unloved household items hold more potential than you know. Here, 10 Hometalk community bloggers are sharing their best tutorials for repurposing everyday items.   Cookie Sheet into Magnet Board Project via Hometalker Laura at Pet Scribbles Instead of tossing warped or worn out cookie sheets and baking trays, create beautiful and functional magnet boards to hang in your kitchen to add a decorative flair…
  • The Key to Cracking the Job Market in 2015

    alissaharb
    22 Jan 2015 | 4:00 am
    According to the U.S. Bureau of Labor Statistics, the national unemployment rate declined by 1.1% from 2013 to 2014—that’s equivalent to around 1.7 million people who were able to find gainful employment. But while those numbers are headed in the right direction, that still leaves around 8.7 million who are jobless. It’s likely that many of those people have “get a job” firmly affixed at the top of their 2015 resolution lists, and for good reason. The economy continues to be on the uptick with new industries ramping up hires, while technology has made it possible for job seekers to…
  • New Year, New 401k Rules (and Other News That Could Hit Your Wallet)

    alissaharb
    21 Jan 2015 | 2:00 am
    From 401(k) rules to new trends in identity protection, the finance experts at The Street share a few important changes to be aware of heading into the new year. Just a fair heads up—these updates could definitely affect your finances in 2015.   Don’t miss… How to Make Housing Market Conditions Work for You in 2015
  • Creating a Retirement Plan for Living Costs

    alissaharb
    20 Jan 2015 | 7:42 am
  • Parents, It’s Time to Pay Off That Parent PLUS Loan

    alissaharb
    20 Jan 2015 | 4:00 am
    Parents, it’s time to pay off those student loans—and we’re not talking about the ones your kids owe. Loving your kid has never been an issue. You would do anything for them, and in fact, you did just that when you took out a Federal Parent PLUS loan to help fund their education. You believed in their education, so you took it upon yourself to make their dreams come true. Good for you. But unfortunately, the journey doesn’t end there. Doing something good for your kid can also mean you just did something tricky for yourself. Your responsibilities aren’t limited to your…
 
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    Investment Fraud Attorneys | Hermann, Cahn & Schneider, LLP

  • HC&S Partner Hugh D. Berkson Selected to Serve as Executive Vice-President and President-Elect of the Public Investors Arbitration Bar Association

    Jay Salamon
    15 Jan 2015 | 12:18 pm
    This article was originally posted on Stock Market Loss It’s always nice to have one of our lawyers receive national recognition from our peers in the investor advocacy bar. Thus, we’re pleased to announce that Hugh D. Berkson, one of our team members in Hermann Cahn & Schneider’s Stockmarketloss practice group, has been named Executive Vice-President and President-Elect of PIABA, the Public Investors Arbitration Bar Association. PIABA, an international bar association boasting more than 400 members, was established in 1990. Its website (www.piaba.org) states, in part, “The…
  • FINRA Suggests That Brokers Should Act In the Best Interests of Customers

    Jay Salamon
    7 Jan 2015 | 9:34 am
    This article was originally posted on Stock Market Loss “Irrespective of Whether a Firm Must Meet A Suitability Or Fiduciary Standard” We always have contended in arbitrations – usually successfully – that under the common law of most states, stockbrokers are fiduciaries. Under a fiduciary standard, the broker is required to make recommendations guided solely by the best interests of the customer. But stockbrokers deny they have any such obligation. They always argue that they are not fiduciaries and are free to make recommendations primarily guided by their own self-interests. They…
  • 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…
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    DINKS Finance

  • Weekly roundup: Benjamins, Retirement and Life

    Kristina
    23 Jan 2015 | 2:35 am
    Happy Friday Dinks.  January is almost over, has your New Year’s bliss worn off yet?  I’m not sure why but the winter blues haven’t hit me yet – fingers crossed.  I’m busy working, planning my next vacation to Las Vegas and waiting to hear what’s happening with my job when my company is sold.  So as you can see there’s no time to be sad about cold, snowy weather – I’m busy planning my life. Are you getting cabin fever yet? Enjoy these posts from our friends and have a great weekend Dinks. Enemy of Debt – Tips for Funding your New…
  • When your gym membership isn’t worth it

    Kristina
    22 Jan 2015 | 2:00 am
    Good morning Dinks.  As you know in November I joined a gym and I am head over heels in love with it.  I love having something to do every night after work other than come home and keep working.  I like the feeling after I work out, although getting my butt out of the house and going to the gym is a whole other story.  Needless to say when I’m at the gym I love it and when I’m not there it just seems like a total waste of money. Do you pay for a gym membership? Over the holidays my gym was open very few hours, yet I was still charged for the entire month of December.  I…
  • Update on my job loss: I got a job offer

    Kristina
    21 Jan 2015 | 2:00 am
    Good morning Dinks.  As the end of the month approaches everyone in my office is anxiously awaiting to see where our professional fate falls when our company is bought by a competitor.  We have been hanging in limbo since the announcement in September but two days ago I had an update from my boss. As you know I work in digital marketing as the social media community manager.  I’m the only social media employee in my current company because it’s new, the rest of my team works on product campaigns and the corporate website. My boss let me know that I will be in the first wave of…
  • January is a tough month

    Kristina
    19 Jan 2015 | 2:00 am
    Good morning Dinks.  I can’t believe it’s already January 19, 2015.  I don’t know why but January is flying by this year.  It feels like just  yesterday Nick and I were celebrating New Year’s Eve and now here we are almost three weeks later.  How has January been for you? January is usually an awful month for me mentally, emotionally and financially.  I normally hibernate during the winter because it’s cold, snowy and windy; this makes for a very long few months.  I’m angry because I lack fresh air and sunshine and I’m restless because…
  • Weekly roundup: Winter vacations

    Kristina
    16 Jan 2015 | 2:00 am
    Happy Friday Dinks.  I have a question to ask, are you taking a vacation this winter?  We don’t have kids and we’re not in our teens anymore so we won’t be celebrating spring break.  Even so do you still feel the need to go on vacation during the winter months? I like to take a long weekend trip just before it gets too cold, but last year I didn’t since we moved October 1st.  However now I’m kind of feigning to get away, even though it’s cold.  I don’t want to spend thousands of dollars on a winter vacation but a few hundred on a long weekend to…
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    rVoice | rplan

  • Asset Classes Explained

    21 Jan 2015 | 2:50 am
    Don’t believe the investment gurus who tell you they’ve got a secret formula for success. The truth about investing is deceptively simple – all you really need is a portfolio of assets that is appropriate for your attitude towards risk. That means a spread of investments – so that not all your eggs are in one basket – comprised of exposure to different asset classes with different risk and reward profiles. The trade-off in investment is that the more reward you seek, the greater the risk you must be prepared to accept. The downside to taking little or no risk with your capital is
  • How to transfer an ISA without losing your tax status

    15 Jan 2015 | 4:21 am
    Investors are regularly warned that once the tax year comes to an end, any unused individual savings account allowance is gone for good. But that doesn’t mean tax-free ISA investments made in previous years have to stay where you originally put them. You’re entitled to transfer these ISAs as many times as you like without the investments in the shelters losing any of their tax protection. There are two good reasons to consider doing so. First, you may want to change the investments held in your old ISAs – because they’re under-performing, say, or your financial objectives have
  • A Short History of Stock Market Peaks and Troughs – and what happened next

    9 Jan 2015 | 7:49 am
    Will it or won’t it? It’s now 14 years since the FTSE 100 Index of shares in Britain’s biggest companies peaked at an all-time high of 6,950.6 – rather conveniently on the final trading day of 1999. This year, the market has looked poised to break through that barrier on several occasions, only to fall back each time. So what will happen when the Footsie does finally make it over that peak? Will the breakthrough prove psychological, giving investors the confidence they need to push the market on to successive new highs? Or will we see an outbreak of vertigo and a subsequent
  • How Your New Year Resolutions Could Save You Money

    5 Jan 2015 | 4:28 am
    We embrace every new year with new goals for self improvement and health, and let's face it, every year most of us lose sight of these goals by April. Does that mean our goals are unrealistic? That we succumb very easily to bad habits? I believe it is all a matter of perspective and incentive. Ever thought about how much money you could save a year if you quit smoking? What about the fuel savings by choosing to cycle to work? Maybe knowing the rewards will help motivate you through those goals for 2015! Quit smoking... This is usually top of the list every year for smokers
  • 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
 
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    Wallet Hub

  • ABLE Accounts Offer A New Choice For The Disabled

    Stuart Spielman J.D.
    14 Jan 2015 | 6:14 am
    Posted by: Stuart Spielman J.D. People with disabilities and their families will soon have another tool for saving. In December Congress passed and the president signed into law the Stephen Beck, Jr., Achieving a Better Life Experience Act of 2014. Modeled on the popular 529 college-savings program, the ABLE Act, as it is commonly known, will provide a funding source for disability-related expenses. Money invested in ABLE accounts will generally be disregarded for Supplemental Security Income (SSI), Medicaid, and other means-tested federal safety-net programs – a key feature for individuals…
  • Tips for Managing & Avoiding Medical Debt

    Ivan Serrano
    13 Jan 2015 | 11:00 pm
    Posted by: Ivan Serrano Even if you are covered by health insurance, a single traumatic event or diagnosis can quickly lead to a mountain of bills adding up to hundreds of thousands of dollars. You or someone you know might already have experienced this issue, and you're not alone. One in five Americans struggle with medical debt, and it is actually the leading cause of personal bankruptcy. Fortunately, there are ways you can reduce your medical debt to something more affordable. Review Your Bills Make sure to review all of the bills you receive for treatment with a fine tooth comb. Up to 80…
  • WalletHub’s 15 for ’15: Financial Resolutions for the New Year

    John S Kiernan
    28 Dec 2014 | 9:00 pm
    Posted by: John S Kiernan The first of the year always brings with it the promise of new beginnings and the burden of self-improvement. Fueled by the nostalgia of the holidays, armed with a year’s worth of regrets, and unleashed by the ceremonialism and ritual of the calendar’s turn, some 45% of Americans decide to make New Year’s resolutions each January, according to research from the University of Scranton. They are, it seems, taken by the spirit that led Benjamin Franklin to write that one should, “Be always at war with your vices, at peace with your neighbors, and let each New…
  • 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…
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    Student Loan Calculator, Pay off student loans | Student Loan Hero

  • 4 Costly Student Loan Repayment Myths Busted

    Jeffrey Trull
    20 Jan 2015 | 9:39 am
    The five-second rule for dropping food on the floor? False. Apollo moon landing photos faked? Nope. Urban legend. Cell phones interfering with a plane’s instruments, causing a crash? Not a chance. TV’s MythBusters disproved all these wacky notions some of us believed to be true. But there are some claims about student loan repayment that […]
  • Obama’s Free Community College Tuition Plan: What’s It Mean and Who Will Benefit?

    Jeffrey Trull
    15 Jan 2015 | 10:19 pm
    President Obama made a big announcement last week: Free tuition at community colleges for every American. This universal program will help students work toward earning a two-year certification or transferring credit to a four-year bachelor’s program. The goal of this program is to make college “as free and universal as high school,” according to the […]
  • 4 Student Loan Changes For 2015 You Should Know About

    Jeffrey Trull
    14 Jan 2015 | 8:35 pm
    For many of us, a new year can mean new changes in our lives. Many will be starting or returning to school, while others will graduate or continue to pay off their student loans. Just as your life changes, so do the rules related to student loans. In 2015, we’re expecting some big student loan changes […]
  • 5 New Year’s Resolutions for Destroying Student Loan Debt in 2015

    Jeffrey Trull
    12 Jan 2015 | 8:27 pm
    If you’re like me, you might have a love/hate relationship with New Year’s resolutions. Setting big goals at the beginning of the year is easy—often just as easy as failing within a few weeks. Even if you don’t want to get in shape or eat healthier in 2015, there are other New Year’s resolutions you can […]
  • Four Strategies to Pay Off Credit Card Debt Faster

    Jeffrey Trull
    30 Dec 2014 | 1:31 pm
    At Student Loan Hero, we’re big on helping you pay off debt. But we know your debt may not be limited to just student loan debt. And with about $880.5 billion in outstanding credit credit debt, it rivals the roughly $1 trillion of student loan debt Americans hold. In some ways, credit card debt is worse than student […]
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    Everyday Financial Strategies

  • To people who want to retire comfortably

    Robert
    19 Jan 2015 | 6:24 am
    When thinking about your financial goals, does retiring comfortably come to mind? If not, what does? Is it how to stop living pay check to paycheck, paying your bills, or getting out of debt? Or is it just about having fun? I knew several weeks ago that I wanted to publish a blog post regarding investing. As I began doing research, I found several articles on Social Security that were quite disturbing but a reality in our culture today. One article I found gave some eye popping stats: When Social Security Insurance (SSI) was signed into law in 1935, the average expectancy of humans was 65…
  • Now is the time to review your insurance policies

    Robert
    5 Jan 2015 | 9:26 am
    2015 is here; now is the time to review your insurance policies to make sure your family is safeguarded against life’s perils. Why is insurance planning an after thought for most Americans? It shouldn’t be, in fact, I would argue that having the right types of insurance in place is more important than a budget.  If you have the right types of policies, it is still a good idea to review them annually. There are six different types of insurance policies you should have. If you have all six, then now is the time to do a review for 2015. Auto Insurance: If you do not carry collision on your…
  • Bad Choices Lead to Financial Hardship

    Robert
    22 Dec 2014 | 4:00 am
    This post was originally published on 12/10/2012. Financial hardship or financial trouble can be caused by many issues, however, I believe that the sum of your choices determine your financial situation today. Yes, I understand that unexpected problems occur such as losing a job or having unexpected medical expenses, but in most cases, having a solid financial plan is the difference between a financial hardship or an inconvenience. Over the past year, I have counseled multiple clients that have made choices that caused serious financial harm, they include: Getting a “high…
  • 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 Strategies…
  • 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 expenses…
 
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    Modest Money

  • Modest Money Reviews Digit – the Automatic Saving Tool

    Adam
    23 Jan 2015 | 6:15 am
    Sometimes, I’ll review products and services and give you a cautious recommendation. This is not one of those reviews. I can unreservedly get behind Digit. If you only read this far, go make a Digit account today, and enjoy savings made easier than you’ve ever experienced. For those who want to learn more, I invite you to read more below. Check Out Digit TodayGet your savings building the smart way. First Impressions I signed up for Digit right around Christmastime, 2014. It took 2 days for my account to go live, and I forgot about the service in the meantime, while I traveled and enjoyed…
  • Tricks to Revamp Your Customer Loyalty Program

    Adam
    22 Jan 2015 | 6:15 am
    In theory, customer loyalty programs are a great way to retain customers and encourage them to come back. However, in practice, loyalty programs don’t always end up the way you envision. If you find that your program is sluggish or unsuccessful, don’t despair. Your customer loyalty program is salvageable, and it can still be a major avenue of customer retention for your business. All it needs is a reevaluation and a facelift. Setting aside time to plan and make changes to your rewards program is well worth it, especially if you consider certain tips. Know What Your Customers Want To…
  • 3 Ways to Save Money in 2015

    Adam
    21 Jan 2015 | 6:15 am
    2015 has arrived, and from the perspective of our wallets, we’re on the right side of Christmas. In the coming months we can look forward to the return of financial stability, because even if Christmas gift-buying wasn’t a feature in your winter schedule, turning up the heating must have been. But before salaries start rolling in and we’re back to business as usual, there are simple changes to be considered early on that could put more money in our pockets for the year ahead. With numerous reports detailing how wage growth is ailing from the US to the UK, life is undeniably getting more…
  • How to Make Major Purchases on a Budget

    Adam
    20 Jan 2015 | 6:15 am
    Being on a budget does not mean that you have to drive a bicycle, live in a tent under a bridge, and wear strings with pebbles tied to them as jewelry. There are some big-ticket items that even people on tight budgets need to have in order to make it in many parts of the country. There are plenty of places in the U.S. where public transportation is nonexistent. Many small towns do not have apartment communities. For the people stuck in such places, moving to the big city is seldom an option, as the cost of living goes up precipitously. There is also work to consider. A small-town job will not…
  • How to Make Money Online in 2015

    Adam
    19 Jan 2015 | 6:15 am
    What Is InboxDollars Making money for the things you’re already doing online? It may seem too good to be true, but it’s not! InboxDollars is an online loyalty club that pays you cash for a variety of online activities. No confusing point systems, just request a Visa Cash Card or check once you’re ready to be paid! The more active you are on site, the faster the money adds up. Whether you’re saving for college, putting money towards your rainy day fund, or just want some extra spending money, InboxDollars can help you reach your goals! Different Ways to Earn InboxDollars offers many…
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    Save Invest Give

  • Waiting for Normal

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

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

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

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

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

  • What Warren Buffett’s Investing Advice Can Teach You About Business

    Andrea
    20 Jan 2015 | 12:36 pm
    Most of the time when you read about Warren Buffett it has to do with what an amazing investor he is and how you can invest like him. Yet many of his pieces of advice can be directly tied to being successful running a business as well. After all his wealth was created by purchasing good businesses and holding on to them! I want to share with you three things that are talked about when investing the Warren way and convert them to business advice (although this is not a stretch as you will see!) Take Action One thing that Buffett has talked about many times is that your success is tied to…
  • How to Create Revenue and Income Targets for Your Small Business

    Andrea
    13 Jan 2015 | 5:51 am
    Creating a business plan with financial goals can be hard. After all how are you supposed to know the revenue you need to get the income you want. Especially if you are a newer business! Here are some things you can do to make the process a bit easier and help you feel like you are not just guessing! How Much Do You Need to Live When you run a small business you need to be able to make enough to pay your personal bills.  Thus at a bare minimum your net income from your business that you can take home, has to be equal to your living expenses. Do a review of your personal expenses to determine…
  • How to Decide What Small Business Training to Take

    Andrea
    6 Jan 2015 | 3:00 am
    As a business owner, especially one who spends lots of time online, it can be easy to want to take every training course that you come across. They all sound so great and you just know that this is the one course that will make your business a success. Well, I hate to break it to you, but most of those classes are not what you need to be successful. In fact most of us don’t actually finish the ones we buy! So how do you decide what training courses are worth the money and which ones you should skip? Here is the process that I go though to decide if I should buy a course. Create a…
  • 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…
 
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    NerdWallet News

  • Currency Shifts Give You More Bang for Your Buck Abroad

    Spencer Tierney
    23 Jan 2015 | 5:00 am
    Traveling to another country may be a dream you’ve kept putting off because it’s expensive. Well, here’s some good news for you: it’s a little bit cheaper now, so consider packing your bags soon. The American dollar’s exchange rates with international currencies have improved in the last eight months, especially against the euro, Australian dollar, Canadian dollar and Japanese yen. “Based on the recent drop across several exchange rates, now is better than ever to travel abroad as an American,” Christopher P. de Lorimier writes in an email. De Lorimier is an investment…
  • How to Keep Your Car Maintenance Bills Low

    Virginia C. McGuire
    22 Jan 2015 | 5:00 am
    Car repairs can be a big source of financial stress. They’re unpredictable, and 86% of us still rely on cars to get to work, according to a 2014 report by the U.S. Census Bureau. That’s why keeping repair costs low is one of the most important moves you can make financially. Follow these guidelines to make sure you’re not paying too much at the mechanic. Know your stuff People were more likely to get a better price on car repairs if they demonstrated to the mechanic that they had done some research — especially if they were women, according to a 2012 experiment by researchers at…
  • Creating the Super Roth

    Advisor Voices
    21 Jan 2015 | 12:21 pm
    By Larry Weiss, CFP®, CPA Learn more about Larry on NerdWallet’s Ask an Advisor Many financial advisors’ clients are looking for good planning ideas that will benefit their retirement. Roth IRAs can be an ideal investment. Their benefits can include tax-free growth, tax-free access to the money and no minimum required distributions, which traditional IRAs face after the account holder reaches age 70½. While the Roth IRA is a wonderful investment, its annual limits are low, and many successful peoples’ incomes are too high to use the tool because of income limitation established by…
  • 529A Savings Plans Could Help People With Disabilities

    Advisor Voices
    21 Jan 2015 | 12:18 pm
    By Chris Chen Learn more about Chris on NerdWallet’s Ask an Advisor In the week leading up to Christmas 2014, the U.S. Congress passed the Achieving a Better Life Experience Act, which created a 529A account to provide tax advantaged benefits for disabled individuals. It is a significant change to the financial planning landscape for special needs beneficiaries, with the potential for helping many families with disabled members. The 529A is modeled after the Section 529 College Savings Plan, which is widely used for college planning. The 529A account is meant to allow tax advantaged…
  • Mindfulness Today Can Create Better Financial Future

    Advisor Voices
    21 Jan 2015 | 12:17 pm
    By Larry Weiss Learn more about Larry on NerdWallet’s Ask an Advisor Mindfulness means maintaining an awareness of our environment, thoughts, feelings and how the body reacts to the physical world. Some of the most successful investors use this approach to meeting their financial needs. When we practice mindfulness, we are thinking in the present rather than worrying about the past or visualizing the future. By focusing on developing a financial plan today, we will help meet our needs better in the future. Living in the moment and focusing on today’s goals will create a better path to…
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    The Truth About Credit Cards.com

  • Credit Cards That Allow You to Transfer Points to Airlines

    Colin Robertson
    22 Jan 2015 | 6:06 pm
    In the credit card reward game, there are generally two camps. There are those who chase after cash back rewards, and there are those who are most interested in points and miles. The reason so many people tend to like points/miles over cash is the fact that they can often be transferred to leading frequent [&hellip
  • Beware of the $150 Annual Fee on the Chase Ink Card

    Colin Robertson
    21 Jan 2015 | 9:06 am
    Recently, I was updating my post on the Chase Ink credit cards when I noticed that the annual fee on the card had jumped to $150! Yes, $150. For the record, the annual fee was only $95, and it’s waived for the first year. So it’s a great deal for those looking to earn a [&hellip
  • 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
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    Moneycation

  • The 5 best cloud-based tools for modern businesses

    A.W. Berry
    23 Jan 2015 | 6:00 am
    By Gary Gould 1 – Sales CloudOne of the most established cloud storage providers, Sales Cloud helps businesses achieve more leads by allowing them to monitor their marketing campaigns and automatically route leads to new sales.Collaborate with team members and exploit social mediaSales Cloud technology includes innovative sales collaboration software, which helps businesses find the right resources and people to close deals via social media. With contact management, businesses can also get to know their customers better and utilise social media outlets to attract their target markets more…
  • Financial news: January 23, 2015

    A.W. Berry
    23 Jan 2015 | 3:00 am
    • Brookings: Quantitative easing has proven to be less inflationary than first thought• NYT: The ECB's goal for quantitative easing is increased inflation• Reuters: Airlines will save hundreds of millions of dollars due to lower oil prices• AP: United Airlines Q4 profit fell 80% due to severance packages & fuel hedging contracts• CNN: As many as 20,000 jobs could be lost in N.Dakota due to oil price declines• WS24/7: Average middle-class income fell 4.3% between 2009-2013• CNBC: It is a fact  the U.S. Dollar will strengthen against the Euro with ECB QE• Zero Hedge:…
  • You versus Warren Buffett: Who invests better?

    A.W. Berry
    22 Jan 2015 | 6:00 am
    Warren Buffett is considered one of the best, if not the best investor in recent history. His stellar performance, value investing philosophy and consistent ability to choose winning assets has made him a legend among investors. Compare with the average investor, the ability of Warren Buffett outperforms across a range of metrics including income, net worth and return on investments. How does he do this? The following Brighton School of Business and Management  infographic below illustrates several money management techniques that helped Warren Buffett earn his title.
  • Financial news: January 22, 2015

    A.W. Berry
    22 Jan 2015 | 3:00 am
    • Reuters: S&P to pay SEC & 2 states $77 million to settle U.S. credit downgrade dispute• CNN: An executive proposal will restrict income tax benefits of 529 plans if approved• NYT: a tuxedo rental company raised $10M and banks on inventory selection process• CNBC: Loosely tied European fiscal policy has proven to be a challenge for the Euro• Zero Hedge: Low debt issuance is contributing to record low 30-yr U.S. Treasury yields• Bloomberg: A NY investment firm made $1B betting against high-oil prices in mid-2014• Business Insider: Netflix shares rose over 17% on…
  • What to look for when choosing my amortization period

    A.W. Berry
    21 Jan 2015 | 6:00 am
    By Jonathan BakerIf you are buying a home, chances are that you will also need to talk to somebody about a mortgage. You can get a mortgage through your bank or through a company that specializes and focuses just on mortgages. If you are a first time home buyer, this can be a confusing or intimidating step in the process to getting your new home. In a nutshell, the process includes a down payment that you make immediately followed by smaller regular payments to a lender. The down payment will be a large sum of money that is a portion of the total value of the house. A lender will then…
 
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    LCF on Personal Finance

  • The Definitive (Near) Utopian Guide in Cash-flow property investing

    ChingFoo Lieu
    23 Jan 2015 | 7:36 pm
    Any long term, “true-blood” property investor will tell you that cash flow ranks way higher than capital again. But in a constrained environment, for that to happen, there are usually 3 limiting factors: Issues in tenant management, including vacancy rate. Pinpointing the right location with sustainable demand is just half of the equation; next comes the issues when it comes to DIY tenant management. Limited loan tenure due to age. It is ironic that income is the highest for most people after mid 40′s but when he/she takes a home loan at this time, repayment year is capped…
  • For those who panicked on stock market drop, here’s some perspectives

    ChingFoo Lieu
    18 Jan 2015 | 4:28 am
    It’s no brainer that bear sets the foundation for the next bull. As the stock market moves in cycles whereby after a bull run, a bear market will follow suit but subsequent to that the bull will return to propel the market to another high due to increased corporate earnings. Based on past track records of the KLCI, in every three years there is a possible occurrence of a year of poor performance. With the exception of a severe recession otherwise the bear market will not last more than 12 months. With the strong growth momentum of the US economy and moderate growth of the…
  • 2015 is going to be tough – here’s 3 major reasons why

    ChingFoo Lieu
    4 Jan 2015 | 4:44 am
    GST – comes 1 April To gauge realistically its impact, look at Japan’s experience in early 2014, when it increased its sales tax for the first time in 17 years. The Japanese government had little choice – with its national debt at eye-watering level (2x the size of its entire economy) – desperate situation calls for desperate measures. With the need to fund social welfare programs for an ageing population – this is one of the way to boot revenue. But just as it did in 1997 – the last time Japanese government attempted a similar move, raising consumption tax…
  • 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…
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    Money Soldiers

  • Using Business Loans as Business Growth Tools

    Arnel Ariate
    20 Jan 2015 | 4:55 am
    The business loan is a highly effective financial tool that you can use in order to leverage resources and start a business.  At the same time, a company that is established will need outside funding from time to time.  Extra capital can be needed in order to expand to a larger office or to increase […]Using Business Loans as Business Growth Tools is a post from: Money Soldiers - Helping you fight your financial battles © 2012-2013, All Rights Reserved
  • Top 5 Resume Mistakes to Avoid when Interviewing for a Job

    Arnel Ariate
    15 Jan 2015 | 7:24 am
    The scene of finance and banking is always full of interesting work opportunities meant for talented individuals.  Interestingly, these are only open to those who know exactly what to write on their resumes.  Some phrases have been included in so many CVs that they have become generic, pushing you to the back of the applicants.  […]Top 5 Resume Mistakes to Avoid when Interviewing for a Job is a post from: Money Soldiers - Helping you fight your financial battles © 2012-2013, All Rights Reserved
  • Three Powerful Brand Traits Associated with Printed Advertising

    Arnel Ariate
    9 Jan 2015 | 5:50 am
    By Derrick Manning The Internet has created a massive new domain for marketers to reach targets without having to invest a lot in materials.  Too often those starting out in marketing, especially those young enough to never know a life without a computer, focus almost exclusively in developing digital strategies for clients with nearly zero […]Three Powerful Brand Traits Associated with Printed Advertising is a post from: Money Soldiers - Helping you fight your financial battles © 2012-2013, All Rights Reserved
  • How to Save Money on Essential Goods

    Arnel Ariate
    8 Jan 2015 | 6:18 am
    If you have trouble with saving money on everyday needs, then probably this article will be helpful for you.  All of us have daily expenses and bills to pay and sometimes it’s hard to save money buying things you really need.  In today’s economy it’s important to know how to spend money wisely and how […]How to Save Money on Essential Goods is a post from: Money Soldiers - Helping you fight your financial battles © 2012-2013, All Rights Reserved
  • 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
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    Hull Financial Planning

  • Where’s Waldo? My Recent Appearances

    Jason Hull
    22 Jan 2015 | 6:00 am
    Occasionally, others ask me to share some insight with their audiences on a variety of personal finance topics. I’m always grateful to them for sharing the opportunity. Here are a few of my recent appearances for (what I hope is) your reading pleasure: Unstuck | How to Fix Your Worst Money Mistakes So you’ve made […]Learn to beat your Monkey Brain and Accelerate Retirement. Where’s Waldo? My Recent Appearances is a post from Fort Worth Financial Planner Hull Financial Planning Related posts: Where’s Waldo? My Recent Appearances Where’s Waldo? My Recent…
  • Train a Monkey to Throw Darts or Pick the S&P 500 Index? A Look at 2014’s Performance

    Jason Hull
    15 Jan 2015 | 6:00 am
    “Maybe life is random, but I doubt it.” –Steven Tyler There’s a news radio station in Fort Worth that has almost all of its daytime weekend programming related to money, investing, and personal finance. It’s almost like the programming folks at CNBC decided to take over this radio station on the weekend, because, unless the […]Learn to beat your Monkey Brain and Accelerate Retirement. Train a Monkey to Throw Darts or Pick the S&P 500 Index? A Look at 2014’s Performance is a post from Fort Worth Financial Planner Hull Financial Planning Related posts: Throw a…
  • Rebalancing Your Real Estate Portfolio

    Jason Hull
    8 Jan 2015 | 6:00 am
    “There’s a lot of — I don’t know what the term is in Austrian, wheeling and dealing.” –Barack Obama If you are a real estate investor and you come from the Warren Buffett school of investing, then you’re probably likely to want to buy a property and hold onto it forever. That’s what I thought […]Learn to beat your Monkey Brain and Accelerate Retirement. Rebalancing Your Real Estate Portfolio is a post from Fort Worth Financial Planner Hull Financial Planning Related posts: Are You Prepared to Deal With the Human Side to Real Estate Investing? Six…
  • 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…
 
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    Listen, Money Matters!

  • What the F**k is a REIT?

    Candice Elliott
    23 Jan 2015 | 3:00 am
    Ever hear of a REIT?  No?  That’s ok, me neither.  So we’re going to learn together what that is and if we should collect, them, buy them? I don’t know yet. A REIT is a real estate investment trust.  It’s a good investment and more importantly, it’s a good investment for those who want to buy property but for whom that would be a mistake. There are two kinds of REIT, an equity and a mortgage style.  About 90% are the first type and the remaining 10% the second.  If we’re learned nothing from 2008 and most of Congress hasn’t, it’s to stay…
  • Corporate Welfare

    Candice Elliott
    22 Jan 2015 | 3:00 am
    Welfare is a dirty word in America. Corporate welfare is the real dirty word though, X rated in fact.  See just who gets the real welfare in America. There is much nasty rhetoric and foaming at the mouth over welfare.  The very word conjures up a certain image in the minds of some people. Lazy single mothers with a parcel of kids from different fathers pulling up to the super market in a Cadillac and paying for steak and lobster with food stamps. I go to work every day and I don’t live that well.  Why should they? The image even had it’s own meme, if there can be such a…
  • Inside LearnVest with Alexa Von Tobel

    Candice Elliott
    21 Jan 2015 | 3:00 am
    LearnVest is Turbo Tax meets financial planner.  The founder and CEO tells us what they do and why they are the fastest growing financial company in the US. LearnVest will help you create a step by step financial plan right from the comfort of your own home.  We interview Alexa von Tobel to find out how the company works and if it might be right for you. Alexa started the company five years ago after dropping out of Harvard Business School.  It began as a simple newsletter.  It’s morphed into a subscription based business that gives you access to a personal financial planner.  The…
  • Goals Versus Dreams

    Philip Everall
    20 Jan 2015 | 3:00 am
    The serenity to set goals, the courage to follow your dreams, and the stupidity of not knowing the difference. There is an awful lot of talk out there about following your dreams, finding your passion (or why you shouldn’t), and how you should do what you love. Setting goals seems to get lost  in the noise.  Often no more than a foot note. Oh yeah. Goals, you should get some of those too. So what are your goals? To get rich? To land the perfect job? To earn enough to leave the rat-race and retire to a life of simplicity, tranquility, and a pet goat? Awesome! Actually, no. The vast…
  • Taxes 101 with Johnny Horta

    Candice Elliott
    19 Jan 2015 | 3:00 am
    Tax time is nearly upon us.  Past guest, contributing writing, and tax expert Johnny Horta joins us to explain the vagaries of the US tax system. Until we get a flat tax (which will never happen) taxes will continue to be a monumental pain in the ass.  So we brought on a guest to give us some expert advice. Turbo Tax is easy to use but it doesn’t help you understand tax law.  A tax pro can help you interpret the laws to get the most money back you can. According to H&R Block, Americans left $1 billion dollars on the table last year.  Turbo Tax doesn’t seem so cheap now.
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    Equifax Finance Blog

  • 9 Tax Resolutions to Make This Month

    Eva Rosenberg
    23 Jan 2015 | 4:50 am
    Happy New Year! If you’re looking to make a New Year’s resolution, here’s a good one to consider: Better managing your taxes. Here’s how you can start making this year’s New Year’s resolution—and sticking to it: 1) Collect everything. Set up a place where you can store all your financial data. Resolve to set up a bag, box, drawer, or file where you can keep the information you have, and all the new documents that will be flooding in during the year. Your record keeping abilities don’t have to be neat, they simply have to be consistent. Any time you get a receipt or document…
  • Quiz: How Does Your Credit Behavior Impact Your Credit Score?

    Equifax Experts
    20 Jan 2015 | 4:02 am
    Your credit history can play a vital role in your financial life because it’s used to calculate your credit score, which is a big factor that lenders consider when deciding whether to lend you money and at what rate. Your credit score can impact everything from getting a car loan to buying a home, so it’s important to understand how your credit behavior can affect your credit score. Take the quiz below to see how well you understand your credit score. Question 1: You just made a $1,500 purchase on your only credit card, which has a $2,000 limit. This will impact your credit score because:…
  • Phishing Scams and How They Work

    Equifax Experts
    19 Jan 2015 | 1:58 pm
    While you may not think twice about opening an email from what appears to be a legitimate sender, the consequences of clicking on emails that come from fraudsters could be serious. Sometimes, scammers pose as legitimate agencies in order to gain access to consumers’ personal information in what’s known as a “phishing ” scam. It’s one of the many ways that identity thieves were able to take $18 billion from victims in 2013. It’s important to recognize phishing attacks before you are duped into revealing your personal or financial information. How phishing attacks work Phishing…
  • Life Insurance: When Do I Need It, and How Much Should I Buy?

    Susan Johnston
    16 Jan 2015 | 7:05 am
    For 20-somethings without mortgages, spouses, or kids, life insurance may be the furthest thing from their minds. After all, most people start thinking about purchasing it when they reach one of three milestones: buying a home, getting married, or starting a family. While data shows that many Millennials are now delaying homeownership, marriage, and parenthood, they may not want to also postpone buying life insurance. That’s because buying a life insurance policy when you’re young and healthy typically means lower premiums. For instance, if you bought a 30-year level term life…
  • How Does Identity Theft Insurance Work?

    Loretta Worters
    13 Jan 2015 | 1:39 pm
    On two occasions, I’ve been the victim of a crime that could have resulted in identity theft. The first instance occurred when I was walking down Fifth Avenue in Manhattan and a young girl grabbed my makeup case thinking it was my wallet (she hesitantly returned it to me after I pointed out that fact). The second incident happened while riding a crowded Manhattan subway. A thief lifted my wallet from my handbag and slid it under his newspaper. Luckily, I saw the wallet peeking out from the paper and demanded it back; surprisingly, he obliged. Both incidents made me stop and think. What if…
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    Simplistically Living

  • Homemade Valentine Heart Soap + Free Printable Gift Tags!

    Brittanie
    22 Jan 2015 | 7:52 pm
    My son decided he wanted to make Homemade Valentine Heart Soap to pass out to his preschool friends for Valentine’s Day. We had a great time making these cute soaps. This craft is easy to make and kid-friendly which is exactly why I wanted to share it with you! When making homemade soap there are a […] The post Homemade Valentine Heart Soap + Free Printable Gift Tags! appeared first on Simplistically Living.
  • Amazon Daily Deal Round-Up 1/22/15

    Brittanie
    22 Jan 2015 | 12:10 pm
    Simple Living can mean different things for different people. It can relate to saving money and with that being said, I’ve decided to start offering an Amazon Daily Deal Round-Up. Below is the list of Amazon Daily Deals Round-Up 1/22/15. Keep in mind that Amazon Prices do change so check the pricing before ordering. Free 2-day […] The post Amazon Daily Deal Round-Up 1/22/15 appeared first on Simplistically Living.
  • Fruit Roll-Up Valentine Fortune Cookies + Free Fortune Printables!

    Brittanie
    21 Jan 2015 | 6:52 pm
    As Valentine’s Day nears it’s start to start thinking of fun things you can help your kids make for their Valentine. These Fruit Roll-Up Fortune Cookies are kid-friendly, fun to make, and certainly tasty! Whether you are making these for your child’s class or for your significant other, these are a fun and personalized way […] The post Fruit Roll-Up Valentine Fortune Cookies + Free Fortune Printables! appeared first on Simplistically Living.
  • Amazon Daily Deal Round-Up 1/21/15

    Brittanie
    21 Jan 2015 | 1:14 pm
    Simple Living can mean different things for different people. It can relate to saving money and with that being said, I’ve decided to start offering an Amazon Daily Deal Round-Up. Below is the list of Amazon Daily Deals Round-Up 1/20/15. Keep in mind that Amazon Prices do change so check the pricing before ordering. Free 2-day […] The post Amazon Daily Deal Round-Up 1/21/15 appeared first on Simplistically Living.
  • Homemade Love Spell Sugar Scrub

    Brittanie
    20 Jan 2015 | 4:47 pm
    I am huge fan of DIY beauty products because they save money and I love the sense of accomplishment when I make something myself. My latest creation was Homemade Love Spell Sugar Scrub. If you are a fan of the Love Spell from Victoria’s Secret you are going to love this! Love Spell is one of […] The post Homemade Love Spell Sugar Scrub appeared first on Simplistically Living.
 
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    The Simple Money Blog

  • Five smart ways to maximize your budget starting today

    Angela and Kirby
    12 Jan 2015 | 4:30 am
    AJ & KJ: With a fresh start to the new year, here are some ways you can stretch the value of your dollars just a little bit more. Most of these are so simple, you’ll probably wonder why you haven’t … Continue reading →
  • New Year’s Resolutions

    Angela and Kirby
    5 Jan 2015 | 4:45 am
    AJ: We knew months ago that our resolutions for 2015 would be hugely focused on finances, and we’ve been mentally preparing ourselves for tightening our belts. KJ: 2015 is a year of refocusing on building up some of our emergency … Continue reading →
  • What a year!

    Angela
    29 Dec 2014 | 5:00 am
    AJ: A few times in the last month I’ve found myself thinking and saying “good riddance, 2014!” and yet, when I sat down to outline this out-of-the-norm year, it had a lot of high points! In 2013 when we laid … Continue reading →
  • 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 →
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    My Money Design

  • 12 Things I Learned From Writing Over 30 Guest Posts Last Year

    MMD
    19 Jan 2015 | 2:00 am
    Anyone who is anyone when it comes to blogging knows that one of the best ways to grow your business is to offer to write guest posts for other sites. While guest posting doesn’t directly make you any money (at least not if you’re one of those shady sponsored post authors I ignore in my inbox), it can give you and the brand you’re trying to develop plenty of qualitative value. And, as you might guess, that qualitative value can lead to things like more traffic or better search ranks results that will eventually yield you more income (more on that below). If you really think about it…
  • Extra Income Taxes – How I Messed Mine Up and What You Can Do to Get It Right

    MMD
    12 Jan 2015 | 2:00 am
    Even financial bloggers don’t always get everything right. This year I found out there is a dark side to earning a decent amount of passive income.  While making money outside your job is absolutely great, you have to remember that at some point you have to report it all to the IRS.  And that means paying a whole lot of extra income taxes! While the concept of having to paying taxes on your earnings is no secret to anyone, the way you have to go about it is a little bit more complicated than simply waiting until February and then paying in a thousand bucks one time.  In fact because of…
  • Niche Website Update 25 – $1,577 in Income – Thank You Amazon!

    MMD
    5 Jan 2015 | 2:00 am
    Welcome to another edition of the My Money Design monthly niche website update. For the last 2 years now I’ve been working very hard to develop a collection of sites that will serve as a stream of sustainable income.  I’m doing so by treating this blogging effort like a business rather than a hobby; meaning every month I come up with goals and new strategies to try that I anticipate will make next month better than the last. I feel so fortunate to have discovered the concept of passive income and invested energy into it.  All the money I’m making is money that I make OUTSIDE my job. …
  • Our Ultimate Plan to Retire at 45 – December 2014 Update

    MMD
    29 Dec 2014 | 2:00 am
    If you have any aspirations to retire early some day, then this is the post you’ve been waiting for.  It’s my annual update to our plan for financial freedom. Trust me – you’re not going to find another plan like this anywhere else. For some time now I’ve been saying that my wife and I plan to retire when I turn 45 years old.  How do we plan to pull off such an ambitious goal?  That’s what this plan is all about.  We put numbers to paper and actually see what our cash flow will look like all throughout the future.  Hence the name of the blog, this is our “money design”.
  • Recognizing the Important Aspects of Life

    MMD
    22 Dec 2014 | 2:00 am
    One of my favorite movies to watch during Christmas time is the old classic “A Christmas Carol”. Yes, I know.  It’s about as cliché of a Christmas movie as they can possibly get.  Pretty much everyone knows the story of bitter-old Ebenezer Scrooge and how he changes his miserable ways after a visit from 3 ghosts who show him how meaningless his life really is and convince him to change. I think most people will agree that the main point of the Dickens’s tale is that there is more to life than money.  However as I’ve become older I’ve realized that the theme of money actually…
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    The Quizzle Wire

  • 5 reasons you should be investing now

    Miranda Marquit
    23 Jan 2015 | 6:00 am
    “Now is absolutely the best time to invest,” says Stephanie Genkin, a financial planner and adjunct at NYU’s Schools of Professional Studies. “Don’t worry about where the market is and what stocks are doing.” Genkin’s point is that it doesn’t matter what is going on with the economy, or with the market. NOW is always the time to invest. “There’s no point in listening to what the experts on television say about whether you should get in now or wait to see where the market is heading,” she says. Instead of worrying about timing the market, the key is to plan for the…
  • How to Get Back on Track Financially If You Overspent This Holiday Season

    Melissa Batai
    21 Jan 2015 | 6:00 am
    You might have started the holiday season with a budget, but spending can easily get out of hand, especially if you feel pressured to give gifts to people you hadn’t intended to buy for.  You can get derailed by courtesy gifts to teachers, babysitters, hair dressers, mailmen, the list goes on and on.  Then there are those people who bought you a gift and now you need to reciprocate. If this sounds like your holiday season and you’re now facing a stack of bills, don’t despair.  There are easy ways to get your finances back on track in a month or two. Ways to Save Money One strategy…
  • Top Money Mistakes to Avoid if You Want to Be Rich

    David Quilty
    16 Jan 2015 | 6:00 am
    Some money mistakes are easy to overcome, while others take a much longer time to repair. We all hope to one day be rich, quit our jobs, and retire early, but hardly any of us see this dream realized. Why? Because we fall victim to common money myths, and it derails us from our desire to be rich. If you want to build wealth, here are the top money mistakes to avoid. Mistake #1: Believing finances will fix themselves. When it comes to your bank account, ignorance is not bliss. When you avoid facing the facts about how much debt you have, how little savings you’ve accumulated, and how off…
  • What’s really holding you back from having an 850 credit score?

    Krystal Beers
    15 Jan 2015 | 6:00 am
    As you already know, your credit score is an extremely important three digit number (an 850 credit score equals a perfect score). It sets the stage on whether you will get approved for a loan, and the interest rate you’ll pay on a new home loan, refinance or credit card. So, what if I told you there’s a tool out there that can show you what’s holding you back from having a higher credit score. And, what if I told you it’s free? I mean, there’s seriously something out there that can help you potentially get approved for a loan and a better interest rate. You want to know what it is,…
  • Pros and Cons of Being a One-Car Family

    Melissa Batai
    14 Jan 2015 | 6:00 am
    We’ve been a one car family the entire 14 years that we’ve been married.  Honestly, the first 10 years weren’t that difficult.  I worked in the suburbs of Chicago close to where we lived, and my husband worked downtown.  He simply walked a few blocks to the subway station each morning and night and took the subway to and from work.  I took the car. But, just recently, we moved to Tucson, Arizona.  We’re no longer living in the nearby suburbs.  Now, I have to drive my husband 15 minutes to the bus station where he takes a bus downtown.  In the afternoon, I drive 15 minutes to…
 
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    Credit Card Insider » InsiderCredit Card Insider

  • The Most Critical Tool to Help U.S. Businesses Cut Massive Fraud Costs in 2015

    Kimberly Rotter
    22 Jan 2015 | 7:25 am
    Massive data breaches made the past twelve months one of the most frustrating periods on record for merchants, large or small, who took the brunt of costs connected with sales fraud. Merchant size doesn’t matter. Dollars and Cents: The True Cost of Fraud No retailer is spared the economic impact of fraud at the point […] The post The Most Critical Tool to Help U.S. Businesses Cut Massive Fraud Costs in 2015 appeared first on Credit Card Insider.
  • Q&A Video – How Can I Raise the Credit Limit on my Credit Card?

    John Ulzheimer
    18 Jan 2015 | 4:30 am
    Did you know that you have the ability to raise your credit limit on your credit cards? Having a higher credit limit is beneficial for several reasons, including improving your credit score by decreasing your total utilization. So, just how do you go about getting your credit limit increased? Learn all about it in our […] The post Q&A Video – How Can I Raise the Credit Limit on my Credit Card? appeared first on Credit Card Insider.
  • Q&A Video – Do I have to register for the extended warranty benefit on my credit card?

    John Ulzheimer
    16 Jan 2015 | 11:05 am
    Whether you knew it or not, your credit cards most likely include the Extended Warranty additional benefit. This shopping benefit will apply to most purchases that you make, though you’ll need to check your specific card for the details. There are also a number of other credit card benefits that you may have and be missing […] The post Q&A Video – Do I have to register for the extended warranty benefit on my credit card? appeared first on Credit Card Insider.
  • The BBVA Compass Business Secured Visa Credit Card VS the Wells Fargo Business Secured Credit Card

    Brendan Harkness
    15 Jan 2015 | 1:02 pm
    Secured credit cards are one option that small businesses have to build credit, coming with the benefits of full credit cards while being easier to obtain. Unlike regular credit cards, which are funded in whole by the credit issuer, secured credit cards require an initial deposit to the issuer which will become the basis for […] The post The BBVA Compass Business Secured Visa Credit Card VS the Wells Fargo Business Secured Credit Card appeared first on Credit Card Insider.
  • What You Don’t Know About Private and Federal Student Loans Could Cost You

    Kimberly Rotter
    14 Jan 2015 | 8:34 am
    To borrow money for post-secondary education, you have the option of taking out a federal loan or a private loan. A federal loan is issued by the government (prior to 2010, some federal loans were issued by private lenders and guaranteed by the government). The Department of Education controls most federal student loans, except specialized […] The post What You Don’t Know About Private and Federal Student Loans Could Cost You appeared first on Credit Card Insider.
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    SideHustle HQ

  • Starting a Knitting Side Business

    SideHustleHQ
    18 Jan 2015 | 3:24 pm
    Many times the most profitable companies start out as side businesses that are little more than extensions of personal hobbies. Many smart entrepreneurs take their own interests, put a unique spin on them and market the results to the masses. Knitting is one such hobby that can be parlayed into serious profits with the right approach. Thanks to a surge of interest in all things homemade these days, it’s actually the perfect niche to exploit. Read on to find out how to make your knitting compulsion pay. Pick a Unique Niche to Dominate Before you begin to knit and purl on a commercial…
  • Starting a Martial Arts Side Hustle

    SideHustleHQ
    5 Jan 2015 | 3:50 pm
    Launching a business that relies on slim profit margins to succeed such as a deli or an auto parts store is always tough. An easier way to ensure that your next entrepreneurial outing is a success is to make a service the product. Thanks to a growing interest in fitness and health, exercise-related businesses are far more likely to thrive these days. Opening a martial arts studio is a great way to capitalize on this trend. You can easily do so for as little as $5,000 if you follow this simple blueprint. Draft a Business Plan Before you do anything, it’s important to sit down and come up…
  • 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…
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    Covenant Trust Company

  • GOBankingRate’s 10 best savings accounts for 2015

    CTC - Ruser Saldaña
    20 Jan 2015 | 1:12 pm
    GOBankingRate recently reviewed over 120 financial institutions to create a top-ten list of the best savings accounts for 2015. The banks on the list are ranked according to their minimum deposit to open, minimum deposit to avoid a fee, monthly service fees, and the annual percentage yield (APY). GE Capital Bank Online Savings and MySavingsDirect MySavings Account […]
  • SMART New Year’s resolutions

    Covenant Trust Company
    2 Jan 2015 | 6:36 am
    Are you considering a financial new year’s resolution for 2015? According to Statistic Brain, 34% of New Year’s resolutions are money-related. For 2014, saving more money and spending less was the third most popular resolution. Unfortunately, only eight percent of the people surveyed were successful with their resolution (financial or otherwise). While there are many […]
  • 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 […]
 
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    Debt Consolidation USA

  • The Truth About Minimalism And Your Personal Finances

    Lizzy Bale
    20 Jan 2015 | 5:31 am
    Can you believe that minimalism is one of the ways you can improve your personal finances? If you understand the concept of being a minimalist, you will realize how it can actually work in your favor. Improving your financial situation sometimes require you to search for personal finance tips that will teach you what to […] The post The Truth About Minimalism And Your Personal Finances appeared first on Debt Consolidation USA.
  • 5 Saving Goals To Start This Year

    Lizzy Bale
    14 Jan 2015 | 7:07 pm
    One of the most popular New Year’s resolutions involve increasing your savings. It is along the lines of paying off your debts or buying something important. But sadly, not everyone is successful in following their resolutions. In most cases, people start working on their saving goals – only to fail after a few weeks or […] The post 5 Saving Goals To Start This Year appeared first on Debt Consolidation USA.
  • Stay Current: 2015 Contribution Limits

    Simi Mira
    12 Jan 2015 | 2:37 am
    The Internal Revenue Service, better known as the IRS, has just recently released its new and greater supplement limits for several tax-yielded investment plans in the 2015 tax year. For those investors that have seen stalled earning increases up to this point, the news of increased 2015 contribution limits should be very good news. The […] The post Stay Current: 2015 Contribution Limits appeared first on Debt Consolidation USA.
  • How To Find Reliable And Trustworthy Debt Relief Companies

    Lizzy Bale
    8 Jan 2015 | 9:19 pm
    Looking for debt relief companies may not be on top of your list this new year. But if you, like everyone else in the country, is intent on improving your personal finances, your debts should be a main concern for you. This is especially true if you have a lot of credit card debt – […] The post How To Find Reliable And Trustworthy Debt Relief Companies appeared first on Debt Consolidation USA.
  • All You Need To Know About Credit Cards with Travel Insurance

    Simi Mira
    3 Jan 2015 | 1:06 am
    If you’re someone who travels a lot, whether this be for business or pleasure the chances are at some point something might have gone wrong with your finances, or if it hasn’t – you might at the very least know someone who has experienced something similar. What if you go abroad, and you lose your […] The post All You Need To Know About Credit Cards with Travel Insurance appeared first on Debt Consolidation USA.
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    Personal Finance Blog | LSS

  • Making Debt Repayment Exciting

    Kate Swenson
    22 Jan 2015 | 12:37 pm
    Large debt loads can seem overwhelming, and paying down debt may seem like a boring way to use one’s income. At LSS Financial Counseling we understand that. But we also understand the importance of Conquering Your Debt and the impact that can have on your life and future. So, LSS and researchers at Innovations for Poverty Action and RAND tested a Prize-Linked Debt Reduction (PLDR) Program with hopes of making repaying debt more exciting. The idea was simple: Clients will be entered into a sweepstakes in which the prize will be to have a portion of their debt forgiven. We called the…
  • Need a new New Year’s resolution?

    Kate Swenson
    12 Jan 2015 | 11:45 am
    Here we are, well into January now. Have you already fallen off the wagon with your resolve to stop eating so much or get more exercise? Don’t give up for the year! Even if those resolutions didn’t stick, there’s no law that says you have to wait until January 1, 2016 to try another one. As our regular readers know, our bloggers are financial counselors by day. We are in the trenches with debt and budget issues day after day. And, we have some valuable advice to offer. This piece of advice will make a good Anytime of the Year resolution: Schedule a regular date to visit your finances at…
  • 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…
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    Minting Nickels

  • Start Your New Life Today With Your Own Business

    Justin
    25 Jan 2015 | 11:34 am
    The time is now for you to start your own business and start making your own money. Many people complain about having to work for someone else and follow their rules. Maybe you have better ideas or maybe you just want things to be done in a different way. Either way, instead of complaining about your work life, you should make a change. Do it on your own and answer to yourself. The sky is the limit if you put your mind to it and no one can tell you how to run your business. If this sounds like something that you would enjoy, keep reading on how you can achieve this reality. Entrepreneurs in…
  • If and When to Sell a Fixed Annuity

    Justin
    14 Jan 2015 | 9:16 am
    Young people sometimes don’t really know what annuities are, so for those of you who might count yourself among this crowd, I’ll fill you in. Annuities are a financial product typically tailored for the senior citizen: specifically, the retiree. If you are about the retire, and have current, sufficient income, you might anticipate your future loss of income as well as your future financial needs. In order to maximize your lifestyle come retirement age, you might set aside money in advance, in the form of an annuity, in order to be paid out gradually, over the course of your entire…
  • The Beauty That Is Trading Online

    Justin
    23 Dec 2014 | 12:41 pm
    Trading Online Back in the early 2000’s there were over 20 million people investing online according to author David Hallerman. Since these times the market has been multiplying and multiplying but more importantly technology and online trading has been getting increasingly accessible as time goes by. From stocks to currencies, Options to Spot Rates and Physical to off exchange, the online instruments available to traders is simply never ending. So what is the obsession that people have that gives so many the urge to learn to trade online. What is Online Trading All About? Back before the…
  • 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…
 
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    Debt RoundUp

  • Today Only! Get Amazon Prime for Only $72 (27% Off)

    Grayson Bell
    23 Jan 2015 | 9:00 pm
    That’s right Amazon fans. Today only (1/24/2015) Amazon is discounting it’s Prime service by 27%.  You can now get the service for $72 for the year instead of the $99.  Now, I’m a huge fan of Amazon Prime. I have been a member for a number of years. There is even an Amazon Prime review on my other site, Empowered Shopper. If you’re not sure if Amazon Prime is worth it, then you need to do the calculations yourself. I have saved nearly $168 on shipping alone with the service.  That’s right and after I adjusted for the yearly fee. Related: How to share your…
  • Defeating the 3-Digit Downer: 7 Steps for Beating the Bad Credit Blues

    Grayson Bell
    23 Jan 2015 | 2:15 am
    Your credit score gives you more headaches than 1,000 screaming 2-year-olds (that’s up for debate). But, what can you do about it? You need to have a good credit score to buy the things you want and need in life. Sometimes, it’s inevitable. For example, most people cannot buy a home or a car without a loan. Beyond loans, credit scores can have impact with your employment and insurance rates.  A good credit score has far reaching effects on your financial life.  If your struggling right now, here’s how to get the credit you need. Start Checking Your Credit Report The first thing…
  • 7 Interesting Ways to Pay Down Your Student Loan Debt

    Grayson Bell
    22 Jan 2015 | 2:15 am
    This is a post provided to Debt Roundup from Pete, of Gradible.com. I don’t have to tell you that student loan debt has become a big issue.  More than 40 million individuals hold student loan debt totalling more than $1.2 trillion! As such, people are searching for creative ways to pay down their student loan debt and manage big monthly payments as they embark on their career and manage all their other expenses. In my role leading Gradible, a platform to help people pay back student loans faster, I’ve seen all sorts of creative and interesting ways to pay down your student loan debt, and…
  • Republic Wireless Review – Plans Starting at Just $5 Per Month!

    Grayson Bell
    21 Jan 2015 | 12:06 pm
    Republic Wireless has changed the wireless service game.  We are all used to signing up for a carrier and buying their phone.  You pay thousands per year just for the the luxury of owning and using a cell phone.  The high price of wireless has changed and Republic Wireless is bringing their innovative approach along for the ride.  Here is my detailed Republic Wireless review. *This is an update from my original Republic Wireless review as they have added new phones and the service has greatly increased. Republic Wireless Basics Bandwidth.com is the innovator behind Republic Wireless.
  • 6 Things to Consider Before You Buy A House

    Laurie
    21 Jan 2015 | 2:15 am
    When you’ve decided it’s time to buy a house, it’s very easy to get caught up in the fun and frenzy of purchasing your first home.  It’s also easy to get distracted by bells, whistles and the realtor’s sales techniques, which can cause you to forget key factors you need to know in order to buy a house that will truly be a good investment for you.  Having purchased three homes in the last twenty years, I finally feel like I know what I need to know to make a proper house buying decision.  Practice makes perfect, so they say.  However, if you don’t want…
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    The Smile Lifestyle - Phroogal Blog

  • Your Money Mindset: Are You Unconsciously Spending on Likes Not Loves?

    The Phroogal Jason
    23 Jan 2015 | 5:19 pm
    A few years ago I found myself wondering why I was buying the things I bought. Why did I need to own two cars, a motorcycle, live in an expensive apartment, or have a walk-in-closet filled with clothes with  tags still on them? Why did I need a new phone each year or get the latest tech gadget? Did I really need to spend $40 per night on dinner or go out for a weekend bar crawl and spend $200-300? I was living life and enjoying it but I also felt unsatisfied. Something was missing and I was trying to fill it with things such as an $1800 watch and weekend retreats. I was making money but I…
  • 7 Ways to Save on Gym Membership

    The Phroogal Jason
    21 Jan 2015 | 4:15 am
    Whether we are focused on losing inches or gaining mass a gym membership sounds like the answer to achieving our fitness goals. From experience, the annual gym contract I’ve signed became yet another reminder of money leaving my wallet. A few years ago, I signed up for gym membership at 24 Hour Fitness in San Carlos, CA. I bought what I thought was a great deal and it was certainly cheaper than my old gym membership in New Jersey. I held onto my 24 HR gym membership for about 2 years but I found myself working out at home, hotel gyms and the outdoors more than the gym. A benefit…
  • Making Progress on Your Financial Dreams in 2015

    The Phroogal Jason
    20 Jan 2015 | 12:58 pm
    I’m often asked what is the number one reason why a person cannot live their dream lifestyle. The simple answer is a four letter word – debt. Debt is a ball-and-chain that prevents us from living our dreams. Once we’re shackled with debt it seems insurmountable to remove even with a change in mindset. In the course of my profession, I’ve heard many debt-free people state the problem isn’t the debt it’s the people. Although, I do somewhat and lightly agree with that assertion, it’s not just people’s habits or mindset that keep people…
  • 10 Items That Cause People To Experience Buyer’s Remorse

    Ossiana Tepfenhart
    19 Jan 2015 | 4:30 am
    “Caveat Emptor – Let The Buyer Beware” Even during the days of ancient Rome, people have been warned to be wary of the goods that others are trying to sell them. While the goods being sold may have changed, savvy buyers’ attitudes towards shopping haven’t. It’s common enough for people to regret buying certain things almost immediately after they do. And, if it’s one of these ten foul purchases, your regret will be much more probable. 1. Timeshares – If there is one thing that is a notoriously bad buy, it’s a timeshare. Sure, you get to spend a week in a nice location of…
  • What You Can Do With Your Non-Winning Lottery Tickets

    The Phroogal Jason
    14 Jan 2015 | 12:24 pm
    I have a confession to make. I’ve purchased a Powerball lottery ticket. Maybe it was the hype of the Powerball jackpot that filled my Facebook wall, Twitter tweets and every other media outlet. I felt pressured. Okay, I was swept up in the dream. The problem with lottery tickets is that it promotes an unhealthy money mindset. It reinforces a belief that comfort and financial freedom can be bought and based purely on luck. The self-made millionaires know best. Winning the lottery conjures up a glamorous lifestyle of sipping margaritas on the beach, traveling the world in style, buying…
 
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    Financial Advice

  • 4 Reasons Why People Say to Choose a Credit Union

    Hannah Whittenly
    15 Jan 2015 | 9:21 am
    Americans are experiencing a growing distrust with big banks. They don't like how banks are selling their mortgagescharging fees for debit cards, or sneaking in covert charges to increase their profits. This has forced consumers to turn to alternatives for everything from CDs to checking accounts.One of the most prominent alternatives is a credit union. They offer a few unique advantages driven by a more consumer-friendly philosophy.Let's explore four reasons why credit unions are recommended over banks by the common person.1. They're CheaperLarge financial institutions have an unsightly…
  • Six Things to Know Before Declaring Bankruptcy

    Rianne Hunter
    4 Aug 2014 | 9:00 am
    Declaring bankruptcy is always an unpleasant thing to consider, but it may be the only way that you can escape crippling debt that is impossible to pay off. If you need to declare bankruptcy, there are some things you need to know.1.      Be prepared to have your finances exposedWhen you file, you will need to appear at a meeting of all of your creditors incourt. A bankruptcy trustee will ask you questions about your finances, and creditors can ask questions as well. You will have to be completely honest and list off all property, assets, creditors and debts.
  • How To Deal With The Financial Burden Of Car Repairs

    Hannah Whittenly
    29 Apr 2014 | 8:49 am
    Hearing a random rattle in the hood or a squeak in the brakes is never too promising. On top of fearing for your safety, you're afraid of the cost. Fortunately, smart planning and intelligent decision-making skills help you to deal with these unexpected costs. Have Money Set AsideWhile you certainly cannot predict the moment when a car problem is going to happen, you can do your best to be prepared for it. Having a completely drained bank account is not smart for a variety of reasons, and unforeseen car issues are some of them. If you always have at least a little bit of money set aside, then…
  • Educate Yourself: 5 Less Known Loan Types And When You Might Need Them

    Hannah Whittenly
    25 Apr 2014 | 10:07 am
    The following loan types can help people in exceptional circumstances. A 203 (K) or a balloon mortgage come with benefits and obligations that will fit different types of borrowers looking to purchase a home. Reverse mortgages and secure loans effectively put up equity or assets as loan collateral. Cash advances are smaller loans that many can use for a short-term occasional cash infusion.FHA 203 (K)203 (K) loans can be put to good use by people handy and knowledgeable in home repair. Finding a shabby house, repairing it and selling a newly-renovated high-value property is the ideal situation…
  • Quick Cash - 5 Ways To Get Money Quickly

    Hannah Whittenly
    23 Apr 2014 | 1:26 pm
    No matter how much money you make from your job, it’s always nice to be able to make some extra cash on the side. However, it can be difficult to find money-making opportunities, with everything else you have going on. Luckily, it can be done. Here are five ways to get money quickly to help you pad your bank account even more. Sell Your StuffEveryone has a ton of old junk lying around their home that they may not think is very useful. However, your old trash may just be considered treasure to someone else. Whether it’s old clothes, electronics or anything else, consider taking your stuff…
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    iMoney.ph

  • Are You Ready To Buy A House?

    imoney
    25 Jan 2015 | 7:27 pm
    Every time you watch a movie, you’re probably subjected to a million ads for new condo developments all over the metro (and the country) before the trailers even start. It seems like there’s a development for every sector, from yuppies looking for condos in the city center to retirees looking for a quiet place to relax. But how do you know if you’re financially ready to buy a house? You should look beyond your bank account and the price of the house. Here are the six things you need to consider before you even start meeting with real estate agents and dreaming about your new condo…
  • Philippine UITFs You Can Invest In From P1,000 And Up

    imoney
    25 Jan 2015 | 5:58 pm
    So you’ve saved up and now you’re ready to level up financially. However, you’re intimidated by the world of investments. But contrary to popular belief, you don’t need a lot of money to start investing. Even if you don’t have the money or time to devote to stock picking and all the work that goes into hardcore investing, you can still enjoy the benefits by participating in unit investment trust funds. We’ve even picked out the best Philippine equity UITFs that you can start investing in right now. If you already know how UITFs work, skip straight to the top five equity UITFs…
  • Fix Your Résumé in 8 Steps

    imoney
    22 Jan 2015 | 6:09 pm
    Not reeling any job interviews in with your résumé? No need to lose hope — it just might be time for a makeover. According to some studies, recruiters spend a measly SIX seconds scanning a résumé, meaning they have very little time to waste on applications that have giant red flags. Even if you’re the most qualified of applicants, your application could be completely ignored if it’s not structured correctly, or if you don’t highlight the qualities that make you a perfect fit for the job. If your application isn’t standing out, here are 8 ways to fix your résumé. Taking a few…
  • Credit Reports In The Philippines — What You Need To Know

    imoney
    19 Jan 2015 | 5:32 pm
    Not getting approved for that new credit card? Got a bad rate on your personal loans? It probably has something to do with your credit history. Your credit history is the single biggest factor that affects the likelihood of you getting approved for loans or credit cards. It also affects the interest rates you get on the money you borrow — if you’ve got a good credit history, you’ll get the most favorable rates, but if you’ve got a bad one, you’ll get worse ones. Learn the basics of a Philippine credit report by reading on: What is a ‘credit history’ anyway? A credit…
  • 5 Things You Should Always Buy With Your Credit Card

    imoney
    18 Jan 2015 | 6:58 pm
    We’ll admit — it’s not a good idea to use your credit card if you can’t make significant payments on time, because you’ll be paying interest on your revolving balance. But if you’re a responsible credit card user, there are some things that you should always buy with your credit card. “There are some nice perks associated with using a credit card,” according to Curtis Arnold, founder of CardRatings.com, in an interview with Main Street. “But all these perks never get utilized because people don’t know about them.” Below, we’ve listed the five things you should always…
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    FinancingLife.org

  • The ABCs of Common Sense Investing

    Rick Van Ness
    15 Jan 2015 | 12:02 pm
    Hi, I'm Rick Van Ness and here's the essence of common sense investing using the alphabet as a tool to help you remember. The post The ABCs of Common Sense Investing appeared first on The ABCs of Common Sense Investing.
  • 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.
 
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    Enwealthen

  • Succeeding with Financial Goals for 2015

    Jack
    16 Jan 2015 | 5:27 am
    I love the new year, don’t you? A time to take stock of what you’ve accomplished, what matters most to you, and where you want to invest yourself in the coming year. Yes, it’s that time of year once again, … Continue reading →Copyright © 2013-2015 Enwealthen.  Join Enwealthen on Facebook.
  • Protect Your Money Online

    Jack
    24 Apr 2014 | 8:35 pm
    How dangerous is it really, to have your financial information online? Or cutting to the chase – how secure is your retirement?  Not how much money you have, but how easily could someone else steal what you’ve worked so hard … Continue reading →Copyright © 2013-2015 Enwealthen.  Join Enwealthen on Facebook.
  • Simple Tax Mistakes You Want To Avoid

    Jack
    17 Apr 2014 | 9:03 pm
    Another tax year come and gone. How did you do last year?  Did you make a tax plan and stick to it, or did you make some mistakes like me, and end up paying more taxes than you should have? … Continue reading →Copyright © 2013-2015 Enwealthen.  Join Enwealthen on Facebook.
  • 2014 Financial Goals: Are Yours Smart?

    Jack
    15 Jan 2014 | 5:49 am
    Another dreary New Years’ Resolution post?  Really? No. Boring is reading someone else’s resolutions to save more or spend less on knick knacks, knowing they’re going to end up like the resolutions of millions – abandoned by February, relegated to … Continue reading →Copyright © 2013-2015 Enwealthen.  Join Enwealthen on Facebook.
  • Want to Save $100,000 on Your Mortgage? Improve your Credit Score

    Jack
    18 Nov 2013 | 6:26 am
    What!?! $100,000? There must be a catch, right? Well, you’re right.  There’s always a catch when you’re talking big numbers.  But that number was what caught my eye in this recent infographic from Quizzle. When you’re talking a 30 year, … Continue reading →Copyright © 2013-2015 Enwealthen.  Join Enwealthen on Facebook.
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    Options Rising Star-

  • Youth Financial Symposium 2015

    Pok Chow
    11 Jan 2015 | 5:10 am
    Hello Traders My CCA SIM Investing and Networking Club (SIMINC) organize the Youth Financial Symposium (YFS) event annually. This year, it’s the YFS 2015. There are renowned speakers such as Professor Damodaran from NYU-Stern, and Ted Talk Speaker Yong Kwek Ping. There will also be exhibition to showcase the materials me and my friends have come up with. Main Event Date: 17th January 2015 Time: 10.00am to 5.00pm Venue: SIM HQ – Performing Arts Theatre Register at: http://goo.gl/iPoqUL Financial Week Date: 12th-15th January 2015 Time: 3:30pm to 10:00pm Venue: SIM HQ LT.B.2.06 Day…
  • What would you like to see

    Pok Chow
    20 May 2014 | 10:15 pm
    Hello all readers!   A little update about myself, I have finished my exams, started my break, took a week off, found a job and settle down for the break! Phew! The first semester was manageable and I’m expecting 3 Distinctions and up (70-80 is Distinction while 80 up is Higher Distinction) and a Credit (60-70) for the 4 modules I’m taking. There’s HD, D, C, P (Pass-50-60) and F (Fail) I’m still not satisfied however. Having 1 semester under my belt, I kind of know what to expect and what is needed to be done to excel. Next semester I’ll go stronger! So,…
  • Events 1

    Pok Chow
    4 Apr 2014 | 8:05 am
    Hello readers! I’ll be heading to both these events listed in the links below. Should you be going too, don’t forget to say hi to me https://www.eventbrite.sg/e/lift-your-career-to-new-heights-with-our-train-to-trade-programme-tickets-8314168903 https://www.dbs.com.sg/Contact/dbs/ea/lifesim/default.page – I want to see how the set up is for a professional trader in SG! Interesting! Thanks Pok The post Events 1 appeared first on Options Rising Star-. No related posts.
  • What If

    Pok Chow
    29 Mar 2014 | 8:55 pm
    What If? http://pivotedmonds.com/ What if one day you find that all you’ve known till now about investing is wrong? What if all the beliefs and practice of analysis on the market is wrong? What if this is a conspiracy to keep individual investors like you in the dark? We have been programmed to accept low returns of 5-10%. Individual investors have also been programmed to believe that going into savings account in a bank with a >1% return makes you an investor, going into the 1% return in fixed deposits makes you a “smarter” investor; going into the few percent return…
  • Common Sense Trading

    Pok Chow
    22 Mar 2014 | 9:24 am
    Common Sense Trading   “If it were easy, everyone would do it”-Eric Thomas I’m starting off my post with a motivational quote from my go-to and favourite motivational speaker, Eric Thomas. In this post, I will be talking about how common sense fail in the trading of most people, the general public. Then I’ll proceed to introduce the common sense in trading and summing it up with E. T’s line in at the end. But first, I would like to seek understanding for my inactivity. University is staked, assignments followed by quizzes followed by mid-term. But hey,…
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    Getting Ahead, A Personal Finance News & Exchange

  • Organization Tips for Your Financial Life

    19 Jan 2015 | 5:00 am
    <p><img src="http://www.usequityadvantage.com/images/default-source/Blog/organization-tips-for-your-financial-life.jpg?sfvrsn=2" alt="Organization tips for your financial life" title="Organization tips for your financial life" /><br /> <br /> If you think that having a eye for stock-picking is the only important skill for successful money management, you may be underestimating the importance of staying organized. By not actively tracking and monitoring your investments, you'll miss out on opportunities to make adjustments in your strategy…
  • The Worst Type of Debt

    16 Jan 2015 | 5:00 am
    <img src="http://www.usequityadvantage.com/images/default-source/Blog/bad-debt.png?sfvrsn=2" alt="Bad Debt" title="Bad Debt" /> <p>We recently discussed the concept of <a href="http://www.usequityadvantage.com/getting-ahead/blog/2015/01/09/good-debt-what-is-it-">good debt</a>. Now we'd like to review the types of debt that are particularly important to minimize and even eliminate over time, if possible.<br /> <span style="line-height: 1.2; font-size: 18px;"><br /> <br /> Credit cards, a primary…
  • New Year's Financial Resolutions

    12 Jan 2015 | 5:00 am
    <p><img src="http://www.usequityadvantage.com/images/default-source/Blog/financial-resolutions.jpg?sfvrsn=2" alt="Financial Resolutions" title="Financial Resolutions" /><br /> <br /> Happy New Year! Want to make 2015 a prosperous year for you and your family? Here are seven financial resolutions that can help make this year a game changer for your bottom line.</p> <p> </p> <p> </p> <h2>1. Pay Yourself First</h2> <p>Build saving into your monthly expenses just as if it were any other bill you…
  • Good Debt: What is it?

    9 Jan 2015 | 6:04 am
    <p> </p> <img src="http://www.usequityadvantage.com/images/default-source/Blog/good-debt9941E2F8B17A.png?sfvrsn=2" alt="Good Debt" title="Good Debt" /> <p> </p> <p>There is real satisfaction &mdash; and some security &mdash; in being able to honestly say, &ldquo;I don&rsquo;t owe anybody anything.&rdquo; But that&rsquo;s not reality for most Americans. Some things &mdash; college education, cars, homes, business startups or expansion &mdash; are so costly that few are able to pay for them in one…
  • Peer to Peer Lending: The Big Bank Alternative

    5 Jan 2015 | 6:00 am
    <img src="http://www.usequityadvantage.com/images/default-source/Blog/Images/lending.jpg?sfvrsn=2" alt="lending, peer" title="Lending" /> <p>The credit crisis that followed the economic meltdown of 2008 has never really ended; banks are gun shy about lending to anyone with less than stellar credit, and some small businesses have a hard time getting capital.</p> <h2>Unconventional Lending Sources</h2> <p>The difficulty of getting credit from traditional financial institutions has made some borrowers turn to unconventional…
 
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    Rockstar Finance

  • ★ The Most Important Number

    J. Money
    23 Jan 2015 | 3:02 am
    “The most important number when it comes to personal finance isn’t how much you’re going to need to retire or the current rate of inflation or how well the Dow Jones Industrial Average or the S&P 500 did last year… The most important number for your personal finances is your net worth. That’s the one number that matters more than anything else in terms of tracking your financial progress.” —— photo by Annie Pilon
  • ★ You Can’t Afford To Be Poor

    J. Money
    23 Jan 2015 | 3:01 am
    “I’m terrified of being poor. It’s too hard to be poor. Everything is too expensive if you’re below they median. And I don’t mean that when you’re poor you can’t afford to buy certain things, even though that’s true, but what’s really the matter is many things cost more for poor people to buy than the rich.”
  • ★ Time Is Not Money

    J. Money
    23 Jan 2015 | 3:00 am
    “We have to transition into a world where we stop trading time for money, but instead build systems & mechanisms that is independent of our time… Having a $500,000 portfolio is akin to having 500,000 soldiers busy fighting for your freedom, unconcerned with the likelihood of defeat. Now, imagine having a million-dollar portfolio…or more. It buys you time. When you no longer have to trade time for money, then you can start pursuing things that matter to you.”
  • ★ Shifting The Spend

    J. Money
    22 Jan 2015 | 3:02 am
    “We spend about the same every month, say, $2,000. And within that two thousand dollars are a bunch of static categories: $300 for groceries, $50 for gas, $400 for future travel, and on and on and on. Instead of trying to reduce the $2,000 figure to $1,900 to increase our savings rate, let’s intentionally move some stuff around from one category to another, experiment, and see what the results are… Of course, if our overall spending doesn’t change, neither does our savings rate. So what’s the point?… If we’re just going to spend some set amount, we…
  • ★ Passive Income Milestones

    J. Money
    22 Jan 2015 | 3:01 am
    “I needed some passive income. Who wants to continue trading hours for dollars, when money can magically appear in your bank account while you sleep? The late night infomercials promised over night success. Of course like most good magicians, behind the illusion is years of hard work, dedication, and practice. It is one thing to understand how to earn income while you lounge on the beach, and another to make it happen. But if you are diligent and overcome the challenges, one can go from being burdened by debt to having assets that earn more than your cost of living in a relatively short…
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    Doctor Of Credit

  • Chase $200 Coupons ($150 Checking + $50 Savings)

    William Charles
    25 Jan 2015 | 4:18 pm
    There is currently a combined $200 Chase coupon code available. We’re only really going to be looking at the checking component of the deal, because the savings component is not worth considering (see our verdict at the end of the post for our reasoning behind this). We’re also giving away a $450 coupon as well. Offer at a glance Maximum bonus amount: $150 Availability: Nationwide Direct deposit required: Yes, no minimum. Click here to view what triggers this bonus Additional requirements: None Hard/soft pull: Soft Credit card funding: Up to $500, no Chase cards Monthly…
  • [PA only] SB1 Federal Credit Union $100 Checking Bonus

    William Charles
    25 Jan 2015 | 3:20 pm
    Offer at a glance Maximum bonus amount: $100 Availability: Select Philadelphia zip codes & some companies Direct deposit required: Yes, $250+ Additional requirements: eStatements Hard/soft pull: Unknown Credit card funding: Unknown Monthly fees: None Early account termination fee: None Expiration date: None specified The Offer Direct link to offer Use promotional code 1FFTY and: Open an SB1 checking account and receive a $100 bonus when you opt in for eStatements & and receive a direct deposit of $250+ They are also offering an additional $50 bonus if you make at least one…
  • Best Posts This Week: 70,000 Miles In Checking Bonuses, Free Hotel Credit, Positive Credit Card Changes & More

    William Charles
    25 Jan 2015 | 2:22 pm
    CitiBank brought back two of their popular checking account bonuses, you can either earn 30,000 American Airline miles or 40,000 ThankYou points. These are targeted offers, but if you call up requesting a code they will be happy to apply one to your account. As always you can view the best bank bonuses here or a full listing of them here. CitiBank also let us know about some positive changes that are coming to their Thank You Premier credit card. They are vastly expanding what is considered a travel expense (and are including gas purchases), these purchases will now also earn 3x ThankYou…
  • Free $25 Amazon Gift Card with Speedpass App and Fill-ups

    Chuck Sithe
    25 Jan 2015 | 11:12 am
    The Offer Direct Link Speedpass+ is Exxon/Mobile’s system of paying for gas through their app. For the next few months, their running a promo which will allow you to get  a $25 Amazon gift card for using the app 3 times to pay for gas. Available for iPhone and android devices. Download the free Speedpass+ app Link to your checking account, ExxonMobil Smart Card, or ExxonMobil Personal Card Make three separate purchases of at least $25 using the Speedpass+ app The Fine Print Promo ends June 30, 2015 Must redeem promo (claim gift card) within 90 days of when it was earned Only one $25…
  • Chase IHG Bonus Now 70,000 Points (Down From 80,000)

    William Charles
    24 Jan 2015 | 6:38 pm
    The Chase IHG card is one of the most underrated credit cards on the market, I’ve talked about this before and a lot of other bloggers agreed with me. It’s been possible to get 80,000 IHG points after $1,000 spend by using a zombie link, but Chase has removed this link. On the Chase website there is an offer of 60,000 points after $1,000 in spend, but you can use this link to get 70,000 points after $1,000 in spend instead. This 70,000 point offer is due to expire on March 31st, 2015. This   Is It Still Worth Applying For? Obviously it’s never a good thing when a sign…
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    moneypantry.com

  • Get Paid to Do Surveys (on Your Phone!)

    Satrap
    25 Jan 2015 | 11:33 am
    I’ve done plenty of talking about taking surveys on this site. After all, I do believe that they are one of the easiest and fastest ways that a person can make some extra money online. However, it is no secret that they can be very time-consuming, and on occasion they won’t pay out in the... Read More The post Get Paid to Do Surveys (on Your Phone!) appeared first on .
  • How Much Do You Really Get Paid to Donate Plasma?

    Satrap
    23 Jan 2015 | 9:24 am
    I have talked about donating blood plasma for money before. I truly think it’s a great way to earn some extra cash when you need it. While it is true that there are many diseases that people can get from plasma biotherapies, on the flipside, so many households who suffer economically have also been helped... Read More The post How Much Do You Really Get Paid to Donate Plasma? appeared first on .
  • How to Get a Free Laptop: The Catch & How to Get One Really Free

    Satrap
    22 Jan 2015 | 10:46 am
    Have you ever seen an advertisement that claimed you could get a free laptop? I am not talking about getting free laptops from the government or programs where they give them to college students, or low income families. I am talking about the ones where you have to complete a few offers to get the... Read More The post How to Get a Free Laptop: The Catch & How to Get One Really Free appeared first on .
  • 4 Ways to Get Paid to Review Movies

    Satrap
    21 Jan 2015 | 2:11 pm
    Writing movie reviews can be a fun (though you have to be good at it) way to make some extra money on the side for movie fanatics. And no, you don’t need to be at the level of Gene Siskel or the late Roger Ebert. Fortunately, there are a few ways for amateur and beginner... Read More The post 4 Ways to Get Paid to Review Movies appeared first on .
  • Make Money Writing Greeting Cards for These 15 Companies

    Satrap
    20 Jan 2015 | 10:29 am
    There’s one thing we’ve all received for a holiday by now– a greeting card. Greeting cards are a huge industry in the US, netting around $7.5 billion a year, with just around as many sold. Greeting cards are such a serious part of the American lifestyle that we even have a Greeting Card Association! In... Read More The post Make Money Writing Greeting Cards for These 15 Companies appeared first on .
 
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    CompareHero Malaysia

  • Top 10 Credit Cards for Clearing Your Debt in 2015

    CompareHero
    20 Jan 2015 | 5:00 pm
    A credit card is a handy and convenient way to manage your day-to-day spending. When you find the right credit card and use it correctly, you can also actually manage your debt more effectively. While debt can be highly stressful for anybody, it can also be simple to resolve if you apply the right attitude and mindset. There are many strategies you can use when tackling debt, and which one you should apply would depend on your financial situation. While recommended only for more financially responsible folks, one approach you can try is switching to credit cards with low interest rates. In…
  • 5 Ways to Cope with Inflation

    CompareHero
    19 Jan 2015 | 10:12 pm
    It’s the bane of every businessman and salary earner worldwide, the root cause of rising costs and other financial woes. While inflation is a subject that remains highly misunderstood among lay people, it can have a very real effect on how you cope with your day-to-day expenses. You may be unable to stop inflation, but that doesn’t make you powerless against its effects. Understand how it affects your purchasing power and you can start building effective strategies to protect your finances. Here are just a few ways you can prepare yourself for the barrage of higher prices brought about by…
  • 9 Things You Didn’t Know You Can Do with Your Smartphone

    CompareHero
    18 Jan 2015 | 9:01 pm
    A smartphone can do wonders for your productivity and enhance your lifestyle. With access to high-quality broadband connection, you can be unstoppable. An endless selection of apps are available at your fingertips and with them, you can customise your smartphone to perform all kinds of unique functions to aid your everyday routine. By downloading the right selection of apps, you can make your smartphone do all kinds of clever but helpful tricks. Here are some surprising things you can do with your trusty smartphone: 1. Sleep better Having trouble keeping a regular bedtime? Sleep Better is…
  • INFOGRAPHIC: Finance Your Goals with a Personal Loan

    CompareHero
    15 Jan 2015 | 9:29 pm
    Tired of borrowing money from friends? Want to give your overworked credit card a break? You might just be the ideal candidate for a personal loan! This convenient service is offered by the most reliable banks in your area, and gives you access to extra cash without years and years of debt. With the help of CompareHero, you can check out all the best deals on personal loans and compare the most affordable rates available.CompareHero isn't just good for helping you compare personal loans. Here we've got a neat visual guide for all the different ways you can put a personal loan to good use.
  • Personal Loans: What to Compare When You Compare

    CompareHero
    14 Jan 2015 | 12:51 am
    Looking to get a personal loan? You may be looking for alternative sources of funding for a big life purchase, such as your child’s tuition or a lengthy holiday abroad. You may be looking for extra funds to start a business for some long-overdue home repairs. Banks and lending agencies in Malaysia can surely help. Provided your financial history meets their expectations, you can borrow the money you need with a personal loan. Personal loans work very differently from other types of credit, such as credit cards and housing loans. Here we give you the most important details you should look…
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    Financial Market Vigilante

  • Financial Relativity Metrics Signal Deflation Troubles for Stocks in 2015

    10 Jan 2015 | 10:23 am
    The first full week of trading in 2015 has shown a trend that is likely to be the harbinger for the year as a whole – volatility fueled by a tug of war between deflationary fears and hyped growth expectations in the U.S. economy.  In this type of environment, option trading or taking short-term positions can make you a investing super-hero one day, and a goat the next.  Trying to stay the course as a long-term stock investor will be difficult for those who are more risk-averse.The known variables which can readily be used to grasp where stocks will gravitate in 2015 are much…
  • Saudi's Oil Shock Therapy Hits Permian Trust Hard

    8 Jan 2015 | 7:46 am
    The price movement in Permian Trust units (PER) since the beginning of September 2014 thru the beginning of January 2015 has been dramatic, dropping from over $12 per unit settling at just above $6 per unit at the 1/5/2015 close.  The severity of the move can be traced primarily to an adjustment in the market to a radical downward shift in the expectations for future oil prices.  During the summer months as the price of oil spiked up above $110 per barrel on geo-political tensions, the market sentiment was that $100 oil was here to stay, and that there was an implied floor of about…
  • 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…
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    Money International

  • QROPS, Qualifying Recognised Overseas Pension Scheme

    Vicky Dixon
    24 Jan 2015 | 11:34 pm
    When QROPS were first introduced in 2006, the idea was to enable the growing number of expatriates and foreign UK pension holders to remain close to their savings upon leaving the British Isles. Since the introduction of the legislation, 44 jurisdictions have emerged offering 3,650 qualifying schemes. The appeal of QROPS has increased significantly year-on-year, and this is for a multitude of reasons. Of course the Treasury dislikes seeing money leave the UK, and as such has tried to match many of the benefits QROPS offer within its own pension reforms, but as more UK residents look for fresh…
  • Police Send Out LinkedIn Phishing Alert

    Sophie Schillemore
    24 Jan 2015 | 10:31 pm
    Professionals belonging to LinkedIn are on alert following a warning about phishing emails claiming to come from the online business network. Computer security experts Symantec are warning the sophisticated emails avoid spam filters by simply changing the spelling of LinkedIn to ‘Linkedin’. A link attached to the email opens a spoof web site page when clicked that is a clone of the real LinkedIn web site and invites readers to login to their account. Symantec warns the web page collects their login name and password and sends the information to crooks who can then control the page and…
  • 80 Billionaires Richer Than 50% Of The Rest Of Us

    Rob Dawson
    21 Jan 2015 | 8:49 pm
    Global wealth is gravitating into the hands of the rich elite at an alarming rate that will soon mean 1% of the population will control more cash than the rest of the people in the world combined. The claim, from charity Oxfam, argues this band of ultra-wealthy individuals have built their fortunes by focussing on a few key economic sectors, such as finance and pharmaceuticals and healthcare. The study also maintains that companies in these sectors spend millions of pounds every year lobbying governments to protect and enhance their interests – with the result the rich carry on getting…
  • No Protection For Bitcoin Investors Who Lose Money

    Simone Beck
    21 Jan 2015 | 8:49 pm
    The financial consequences of investing in virtual currencies have become clearer following a £3.3 million hack of one of the UK’s leading Bitcoin platforms. Bitstamp lost 19,000 Bitcoins when computer systems were compromised by hackers earlier this month. The exchange investigated the incident and determined someone had hacked their systems and stolen the virtual currency. As a result, the exchange has built a new online platform and preserved the old servers to help a criminal investigation. The company’s CEO Nejic Kodric has apologised to clients and pledged the exchange will honour…
  • £4.9 Billion Wasted In Unclaimed Tax Breaks

    Ryan Holder
    20 Jan 2015 | 9:10 pm
    Taxpayers who do not know their rights and fail to take action to minimise the tax they pay are wasting around £4.9 million a year. The average taxpayer pays £165 too much in tax, according to research by financial firm Prudential and IFA web portal Unbiased.com The report also reveals three-quarters of taxpayers have failed to take any action in the past year to reduce the tax they pay either because they are unaware of tax breaks or simply can’t be bothered to save the cash. Despite the warning, 45% of taxpayers stubbornly believe they pay the least tax they can. The study also reveals…
 
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    SuperMoney!

  • Square Cash Review: Now Send Money From Your Mobile Phone With A Swipe!

    Theresa Cummings
    22 Jan 2015 | 4:14 pm
    Formed by Square Inc., Square Cash was launched in October of 2013 by Twitter co-founder Jack Dorsey and Square Inc. co-founder Jim McKelvey.How Square Cash WorksThis application allows person-to-person money transfer over e-mail via their IPhone or Android phone.  Users send money by drafting an e-mail, including the dollar amount in the subject of the e-mail, and CC’ing Square Cash, initiating a transfer directly to the recipient’s debit card.  Although there are other similar applications, this one is free.  It doesn’t require knowing the recipients bank account number and…
  • 6 Unusual Habits Of Successful People That Make Them Unique

    Audrey Henderson
    20 Jan 2015 | 12:05 am
    It is said that one way to achieve success is to emulate the habits of successful people. But an examination into the routines of several famous people reveals one dominant common thread: each routine is as unique as the individual who followed it. Winston Churchill spent a good part of his day in bed. Benjamin Franklin was up and about early in the morning, but passed much of the day in his birthday suit. French novelist Honoré de Balzac fueled his day with up to 50 cups of strong black coffee. Charles Darwin’s day was punctuated with frequent self-initiated interruptions.Nonetheless,…
  • Top 11 Ways to Get Cash in Emergency Situations

    Audrey Henderson
    12 Jan 2015 | 12:21 am
    It can happen to anyone – an unexpected expense leaves you strapped for cash, or worse, scrambling to generate funds. Your child is sick; your car’s transmission blows, or maybe you’ve lost your job and you are wondering how to make next month’s rent or mortgage payment.  If you cannot depend on family or friends, where can you turn for help? Your resources for emergency cash vary depending on whether you have a few weeks or only a few days to raise the funds you need. Some options are relatively benign; others present potentially serious perils to your financial future.1. Online or…
  • 15 Realistic Ways To Make Your New Year Resolutions Work In 2015

    Theresa Cummings
    9 Jan 2015 | 7:48 am
    The arrival of a New Year often comes with mixed feelings. We want our lives to improve through making promises to ourselves to do better, but every year we face the fact that we’ve failed to keep our past New Year’s resolutions.  Frankly, most people just give up and don’t even practice this annual commitment anymore.Statistics provided by the University of Scranton tell us that only 8% of people successfully achieve their resolutions.  Yet for those who desire to press on to a healthier lifestyle, there is actually hope that we can make our resolutions stick.  It’s just a matter…
  • How To Use Credit Card Rewards Points To Fund Your Next Vacation

    Audrey Henderson
    5 Jan 2015 | 12:17 am
    Do you hate winter as much as I do? Here’s a quick test to know for sure. When the forecast calls for snow, do you make sure to get every possible thing you might need in the next week at the grocery, even if it’s only flurries? Do you start wearing gloves and a scarf in mid-September? Do you feel just a little nauseous if you look out the window and see snowflakes you didn’t realize were coming? If you’ve answered yes to any of these questions, then you definitely need to get working on your plan to escape this winter season.Oh, I know, money is tight these days…but isn’t it…
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    Your Smart Money Moves | Personal Finance Blog

  • Why Your Family Income Statement May Be In The RED

    Ted Jenkin @ Your Smart Money Moves
    25 Jan 2015 | 6:34 am
    Whether or not you accept the role, you are the CEO of your family finances. Many seasoned manager and vice presidents do an excellent job at work managing the profit and loss (P & L) for their divisions. However, most don’t apply the astute management techniques they learn at work to their family finances. Why not? The fact is that even if you have a college degree or an MBA, nobody ever really teaches a personal finance course on how to run your family finances like a business. The two metrics that most business owners review in their business are the income statement (P & L) and…
  • The Case Of The Broken Cell Phone

    Ted Jenkin @ Your Smart Money Moves
    22 Jan 2015 | 10:25 am
    Recently, we took our family to a very fun staycation in Nashville. With three teenagers in our household (17, 15, and 13), we often put all of the children together in a room of their own on vacations. The favorite social media application today for teenagers is Instagram bar none. As we all know, teenagers in every family love to squabble and jab at each other. While my youngest two children began to argue over an Instagram picture, my middle daughter decided it would be a good idea to launch my son’s phone across the room and against the wall with Tom Brady accuracy. Ultimately, when…
  • 1/20/2014 | The 5 Worst Things People Waste Their Money On

    Ted Jenkin @ Your Smart Money Moves
    20 Jan 2015 | 12:42 pm
    How to Get Rich w/ oXYGen Financial Topic: The 5 Worst Things People Waste Their Money On Taped 1/20/14 Listen every Tuesday morning at 8:00 a.m. on ROCK 100.5 | Atlanta’s Rock Station to “Your Smart Money Moves” with The Regular Guys and oXYGen Financial. Ted Jenkin, CFP® and Kile Lewis, CRPC® are the founders of oXYGen Financial, and our chief financial officers. All your money questions answered Breathe easier at http://oXYGenFinancial.net
  • Rent or Buy, Which is Better?

    Van Pappas
    19 Jan 2015 | 3:37 am
    In my 16 years as a financial planner, I have been asked this question many times. For decades our society has told us that renting is just throwing your money away and that buying a house is a good investment. Even the government tries to influence our behavior with offering a tax deduction on the mortgage interest. We have to start realizing that your house is not an investment. Investments should be able to feed you income; and as I always say ‘You can’t eat your house’. So which is it, Rent or Buy? Let’s compare some facts. First with renting you don’t have…
  • The Rising Cost Of A College Application

    Ted Jenkin @ Your Smart Money Moves
    17 Jan 2015 | 3:30 am
    We see so much in the news today about the rising cost of college education and the crushing statistics around student debt.   These sobering figures are giving much cause for consternation around whether the cost of an elite college education is really worth the price of admission.  Just the other day, I shared with a young couple that to put their newborn through a fully funded elite private school education would require them to save almost $1,000 per month!   Although there is much debate about college education, hardly at all does anyone discuss the costs of just applying to get to…
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    Money On Trees

  • Is Netflix really all you need?

    Fabio Marrama
    22 Jan 2015 | 5:00 am
    At $7.99 a month, there’s literally not much out there that can compare to alternatives like Netflix, Shomi, and Crave TV. As a first time homebuyer with little discretionary income, I simply cannot afford $80 a month on Satellite or Cable. I recently read a fantastic article in The Globe and Mail, and I have to say “when it comes to TV, Netflix is all I need”. With Netflix, I know what I’m getting – I can watch movies, TV shows and documentary’s as much as I want without any time constraints. Plus it’s all commercial free! If you’re not satisfied with Netflix, you still…
  • Are you up for the challenge? Simple way to save a little extra.

    Fabio Marrama
    16 Jan 2015 | 12:52 pm
    Could you use an extra $1378 by the time this year’s holiday shopping rolls around? With the New Year already here, everyone is looking for ways to save more money in 2015. There’s a great simple savings tool that’s been circulating on Facebook called the 52-Week Money Challenge (courtesy of Kassondra Perry-Moreland). Over the past couple years, the 52 Week Money Challenge has been quite popular on social media, for those looking to put a few extra bucks in their pockets at the end of the year. The best part about the challenge is that it makes saving simple and fun. Gather a few…
  • Financially Fit New Year – Tips from Finance Friday’s Dave Schurman

    Fabio Marrama
    8 Jan 2015 | 8:33 am
    Canadians are crazy about New Year’s resolutions. In fact, in one poll – 80% of Canadians set New Year’s resolutions last year in January 2014. The only issue seems to be keeping them! It’s estimated that 75 per cent maintain their resolutions after the first week. Health and fitness resolutions usually top the list, but you can pencil in personal finance at number two. A good chunk of those resolutions are related to paying off debt. Like any resolution, a good plan will help you be successful in achieving it. It’s important to not just “make the resolution”, but “keep…
  • This New Year – Shape up, without breaking the bank: A Q&A with Craig Spear (Part 2)

    Fabio Marrama
    31 Dec 2014 | 7:22 am
    In this two part series, Craig has already given us some great insight as to how young adults can fulfill their New Year’s Resolutions of maintaining a healthy and active lifestyle on a budget. Thankfully, for the second week in a row – you’ll receive a little more guidance from Craig, Owner of Momentum Fitness in Dundas, Ontario. Q: 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. What strategies will help young adults get good value out of their…
  • 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…
 
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    Bankrate.com » Rates

  • Mortgage rates in Los Angeles, California

    Mitch Strohm
    22 Jan 2015 | 4:40 am
    See this week's average rates for the 30-year fixed-rate mortgage, 15-year fixed-rate mortgage, 5/1 ARM and 30-year jumbo mortgage in Los Angeles.
  • Mortgage rates in Dallas, Texas

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

    Mitch Strohm
    22 Jan 2015 | 4:25 am
    See this week's average rates for the 30-year fixed-rate mortgage, 15-year fixed-rate mortgage, 5/1 ARM and 30-year jumbo mortgage in metro Philadelphia.
  • Mortgage rates in Chicago, Illinois

    Mitch Strohm
    22 Jan 2015 | 4:20 am
    See this week's average rates for the 30-year fixed-rate mortgage, 15-year fixed-rate mortgage, 5/1 ARM and 30-year jumbo mortgage in metro Chicago.
  • Mortgage rates in Boston, Massachusetts

    Mitch Strohm
    22 Jan 2015 | 4:15 am
    See this week's average rates for the 30-year fixed-rate mortgage, 15-year fixed-rate mortgage, 5/1 ARM and 30-year jumbo mortgage in metro Boston.
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    Bankrate.com » Saving Money

  • Why merchants hustle in January

    Stacy Jones
    15 Jan 2015 | 1:06 pm
    Sales drop by more than 50 percent from December to January at clothing and department stores.
  • Jean Chatzky: Money tips from the pros

    Jean Chatzky
    9 Jan 2015 | 2:20 pm
    What advice do the stars of personal finance have about saving more and spending less in 2015? Read on.
  • Jean Chatzky: Money resolution keys

    Jean Chatzky
    6 Jan 2015 | 3:00 am
    These five steps will help you stick to your New Year's financial resolution.
  • 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,
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    Stock News Desk

  • The Thingystock: Expandable 3D printer

    Prabir Sinha
    23 Jan 2015 | 7:00 am
    New York City, New York – (StockNewsDesk) – 01/23/2015 — The Thingystock is a heavy tech, open Delta 3D printer. It is all set to create a huge buzz in the tech market. It is a fully printable open source delta style printer. It comes with an expandable build volume capacity. The Thingystock was designed as a personal printer first and can be expanded into a 3D printer with as many 3D printing parts. Once it has performed perfectly, it has been developed as a full-fledged 3D printing device. The Kickstarter has helped support the small launch to raise the funding goal. The best…
  • The Solar Smart: say no to no electricity

    Phillip Wilson
    21 Jan 2015 | 7:43 pm
    Houston, TX – (StockNewsDesk) – 01/22/2015 — The Solar Smart is a newly developed tech to kill electricity problems. Currently there are 1.2 billion people in the world those who are facing electricity problems. Among them a large number do have electricity connection at their home and many are struggling with irregular electricity supply. The Solar Smart is the perfect tool to solve all these issues. There is no longer a need to burning fossil fuel to supply electricity. The long solar panel will perform that task with optimum efficiency. There are a number of places where…
  • The Trippy Clip: holographic lens powered by Nano tech

    David Goehst
    20 Jan 2015 | 8:35 am
    Kokomo, IN – (StockNewsDesk) – 01/20/2015 — The Trippy Clip optical technology has come up with an all new technology for smart phone camera lenses. It is a holographic lens powered by Nano technology. This versatile camera lens is not only dedicated to smart phones but any phone with a camera can utilize this new tech at its best. It has come up with the greatest innovation ever for mobile photography. The Trippy Clip comes with prism lens and fisheye lens technology. The current camera you are using in your mobile might seem to be good enough for your party use or daily life…
  • The Exo-Drive: A smart phone case with expandable memory

    Prabir Sinha
    19 Jan 2015 | 8:36 am
    New York City, New York – (StockNewsDesk) – 01/19/2015 — The Exo-Drive case is a powerful piece of hardware featuring effective expansion of smart phone external memory. It is a stylish, sleek and protective smart phone cover case that expands the micro SD card storage. The compatibility range of Exo-Drive case is increasing fast. Currently, it is available for a few top end smart phones, like Motorola Moto G, HTC One M8 and M7, Google Nexus 6 and 5, Motorola Moto X, Samsung Galaxy S5 and S4, LG G2 and One plus One. This case is not currently compatible with iPhones but it will…
  • The Fusion One: wearable charging holster

    James Smith
    17 Jan 2015 | 2:07 am
    New York City, New York – (StockNewsDesk) – 01/17/2015 — The Fusion One is a promising tech that has appeared as a wearable wireless charger for your smart phone. The smart phones are very different from your feature phones. They are loaded with multiple apps and features. Hence, it drains battery power quickly. Though the smart phone has appeared on the brighter side of our life, quick drainage of power is a huge problem we face in our daily life. The Fusion One is all set to solve that problem with ease. This smart phone emergency charging device has been designed as a…
 
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    The Travel Sisters

  • Win a $100,000 Dream Trip to Hawaii!

    Patti
    21 Jan 2015 | 4:36 pm
    The Travel Channel is giving away a dream trip for many – a trip to Hawaii worth $100,000! The prize includes: Round-trip first-class air for winner and a guest to and from Maui 14 nights first-class hotel accommodations throughout the Hawaiian Islands (4 nights on Maui, 3 nights on Kauai, 3 nights on Lanai and 4 nights on Oahu) Island-hopper flights between islands $25,000 spending money Luxury car rental for the duration of stay Acrobatic ride and air tour of Oahu in a 1940s Stearman biplane Private Napali kayak tour Private tour of Pearl Harbor Private tour of the Honolulu Fish…
  • Earn an Easy 100 AAdvantage Bonus Miles For Signing Up to PointsHound

    Patti
    18 Jan 2015 | 8:33 pm
    A couple weeks ago I received an email inviting me to earn 100 American AAdvantage bonus miles just for signing up to PointsHound. In addition to the 100 bonus miles for joining, booking a hotel stay by March 31, 2015 earns 2,000 extra bonus AAdvantage miles on top of what you would normally earn. I signed up to earn the free 100 American AAdvantage miles and figured I would check it out. PointsHound is a hotel booking website.  When you book a hotel room you can earn miles on certain airlines.  The earnings rate depends on the price of the hotel and your earnings level (you start at Level…
  • Weekly Summary: How to Book Singapore Airlines Suites Using Miles, Airport Carpets, Rules For Visiting Airplane Cockpit, Giveaway Winners, and More

    The Travel Sisters
    17 Jan 2015 | 12:23 pm
    Here is a quick summary of what you may have missed on The Travel Sisters this week: Want to book a Singapore Airlines Suites award ticket?  Read our easy guide to finding and booking Singapore Airlines Suites awards, including what routes offer Suites class, how to earn Singapore KrisFlyer miles and an overview of the KrisFlyer mileage program. Visiting an airplane cockpit is easier than you’d think. Infamous airport carpet causes stir in Portland. Free personalized tours by locals…really, free! Ways to give back on your next trip. We have announced the winners of our…
  • Let a Local Show You Around

    The Travel Sisters
    15 Jan 2015 | 2:06 pm
    Although free city walking tours are great, sometimes it is nice to have a more personalized (but still free) option.  Fortunately, such an option exists.  And it IS free! Locals, in a number of worldwide destinations, are available to show visitors around as they would friends or family.  Unlike a conventional tour, things are less formal and more tailored to your interests.  This is especially useful for anyone who is traveling alone, has limited time in a location or just wants to get a local’s perspective on the culture and area. Global Greeter Network is the most…
  • Are You Following Us?

    The Travel Sisters
    14 Jan 2015 | 11:46 am
    We have enjoyed our time being featured on the main BoardingArea page this past week. Thank you to our readers (old and new) for taking the time to read and comment. After today, you can find The Travel Sisters at prior2boarding, an affiliate site of BoardingArea. If you would like to receive emails of our new posts, please join our email list. As an extra “Thank You”, all our email subscribers will be entered to win a $50 American Express gift card. If you prefer not to receive emails, you can always follow us on social media: facebook, google+, twitter. And, of course, you can…
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    Becoming The Capitalist

  • Net Worth: January 2015

    Capitalist in Progress
    7 Jan 2015 | 3:26 am
    It’s the start of a new year and Becoming the Capitalist has been around for nearly a year now (11 months to be exact). I haven’t done a net worth update (this is terrible) since April where I have around 85k in net worth. The goal that I find most important is building my net worth and one of the best ways that I find that keeps me on track is recording it. So here goes! A lot has changed. I’m back after a long hiatus.  I graduated college and got a job. Investments $78,468.73 E*Trade Investment $52,728.65 E*Trade IRA $17,740.07 Prosper ~3k Lending Club ~2.5k Motif…
  • Who I Was When I Started This Blog

    Capitalist in Progress
    6 Jan 2015 | 3:08 am
    Becoming The Capitalist has been around for about a year now. I wanted to talk about where I was a year ago. The Basic Stats (Where I’m I was coming from): Age: 21 Gender: Female Education: Currently attending Small Liberal Arts College (U.S) Studies: Computer Science and Economics double major Grew up: Bay Area, CA, U.S. Employment: Seeking summer 2014 internship Reasons for Blogging: Started as my reaction as an Econ major to the Occupy Wall St. Movement Keep myself on track with my personal finance goals Join the 1% (duh) Learn more about economics, and building one’s assets. Talk…
  • Becoming The Capitalist is Back

    Capitalist in Progress
    5 Jan 2015 | 3:04 am
    I’ve been gone for a few months now and I’ve missed blogging! I was away finishing up my undergraduate double major in computer science and economics and job searching. But I did it! I completed my degree in 3.5 years while working and landed my dream job. I received offers from companies like IBM, Amazon, Black Rock, Goldman Sachs, etc for software engineering positions but I ended up choosing Lending Club. Why Lending Club everyone was asking… I chose it because it’s a company I am personally passionate about. I write about it here, I invest with it, and I’ve…
  • Merry Christmas and A Happy New Year!

    Capitalist in Progress
    23 Dec 2014 | 11:02 am
    ‎.˛.°★。˛ °.★** ˛. ˛ °。 .˛.MERRY CHRISTMAS ˛. (´• ̮•)/.♫.♫*˛.* ˛_Π_____. * ˛* .°( . • . ) ˛°./• ‘♫ ‘ •.˛*./______/~\*. ˛*.。˛* ˛. *。 *(…’•’.. ) *˛╬╬╬╬╬˛°.|田田 |門|╬╬╬╬ . ¯˜”*°••°*”˜¯¬´¯˜”*°´¯˜”*°••°*”˜¯`´¯˜”*°•~ wish you , your family and friends ” MERRY CHRISTMAS.” May peace, happiness , success & togetherness surround you & your loved ones the whole year long !!!Filed under:…
  • Don’t Get Burned On Black Friday

    Capitalist in Progress
    1 Nov 2014 | 9:45 am
    Black Friday is coming up, and while the day seems to be taking on less and less importance with the advent of stores opening on Thanksgiving, there will surely be some big time shopping going on. While you can save some money, there are a few hard and fast rules that you need to keep in mind so that you don’t turn Black Friday into a big money waster instead of a big money saver: Have a list – Black Friday deals are published well in advance these days. You should know exactly what you want and from what stores you plan on buying the items from. Stick to your list – Many places make…
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    Advantage CCS » Blog

  • How to Stick to Your Budget in 2015

    Lauralynn Mangis
    6 Jan 2015 | 11:22 am
    Chances are you have already started to think about your budget and financial goals for 2015. You’ve probably decided that you want to put more money into a savings plan this year. Roughly three-quarters...The post How to Stick to Your Budget in 2015 appeared first on Advantage CCS.
  • Top 10 Most Read and Shared Blog Posts of 2014

    Lauralynn Mangis
    30 Dec 2014 | 1:15 pm
    Around this time of year, people start to reflect on things that happened to them in the past 12 months. Facebook has their “Look Back” video and Twitter does a...The post Top 10 Most Read and Shared Blog Posts of 2014 appeared first on Advantage CCS.
  • 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.
 
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    Save The Bills

  • 10 Characteristics Successful People Share

    Edwin C.
    19 Jan 2015 | 11:51 am
    Some people are born with a silver spoon in their mouth, but most of us have to reach success the good old fashioned way, with hard work. But it takes more than just putting your head down and getting to work. The truly successful people each have certain undeniable traits they share in common. If you want to learn how to get out of the rat race and achieve all your goals, read on for these 10 characteristics of truly successful people. Be Persistent Thomas Edison famously tried and failed at countless innovations he pushed through. He never gave up and ultimately came up with the light bulb.
  • 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
    Credit card companies spend millions of dollars on marketing. They study human behavior to learn what colors to use and what kind of language to use to attract more customers. While the big credit card companies are still doling out the big bucks on television commercials and direct mailing, now they’re getting closer to you by investing in social media marketing, inserting their clever ads directly into your Facebook and Instagram feeds. They are very good at what they do. So good that they can convince a person with 4 credit cards and massive credit card debt to open another credit…
  • 8 Smart Ways To Use Your Tax Refund

    Edwin C.
    29 Oct 2014 | 10:02 pm
    A lot of people look at their tax refund as free money. Because of this they tend to splurge on things they don’t need. Unfortunately, tax returns aren’t free money at all – it’s in fact funds that you have worked hard to earn and have loaned to the U.S. government for the past year, interest free at that. Looking to make the most of your tax refund? Here are 8 ways to use your refund smartly. Build A Rainy Day Fund Having a stash of emergency cash is the key to financial security. Take your tax refund and stash it in a savings account to fall back on in the event of an illness,…
  • 7 Ways To Teach Your Kids To Save

    Edwin C.
    3 Oct 2014 | 10:10 pm
    Teaching your kids to be savers instead of spenders can be tough. While opening a savings account is usually the first step, how can you get them to keep making deposits? Savings accounts usually have low-interest rates and many charge monthly fees which can eat up savings. In light of all these things, that can make teaching kids to save a real challenge. Read on for 7 tips to help teach your kids how to save. Be A Good Example Having a financial role model that children can look up to can really work wonders. Kids learn by example after all, they do everything we do, the good and the bad.
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    Inspiration and Marketing Strategies for Entrepreneurs

  • Niche Marketing – Who is Your Perfect Customer?

    Tammy Hawk-Bridges
    15 Jan 2015 | 6:26 pm
    Want the secret to huge success and riches? Focus. Laser focus and super-clarity. This is the magic potion that makes dreams come true. People that are incredibly successful are FOCUSED. They know what they’re doing, why they’re doing it, and WHO they’re doing it for. Do you? In this marketing lesson we’re going to talk about your Perfect Customer. This is the person or company that’s the perfect fit for your business. I don’t have to tell you that marketing a business is not for sissies! This shit is very hard! It’s a ton of hard work and sometimes…
  • Marketing Strategy – Lay the Foundation for 2015

    Tammy Hawk-Bridges
    9 Jan 2015 | 8:10 am
      (Note: This video is broken down into two parts. Part one is for the newcomer entrepreneur who has been in business 3 years or less. The second part is for an entrepreneur that’s been around longer. If you don’t want to watch the entire video you can skip to 7:12.) If you don’t have one, building a solid marketing strategy should be your first order of business before you go any further in 2015. Without a strategy you’re wandering around aimlessly in your business or perhaps on the proverbial hamster wheel. You’ll always feel struggle and never feel the…
  • I Stopped Following 3,000 People on Twitter – Here’s Why

    Tammy Hawk-Bridges
    26 Dec 2014 | 3:33 pm
    One of the things I discovered in 2014, I had access to some pretty powerful marketing tools I was using incorrectly. The irony is my primary purpose is to teach entrepreneurs how to market their businesses correctly. So, needless to say, I’m somewhat ashamed in my discovery. After an even deeper observation it came to my attention I have plenty of company. Most people use social media incorrectly. My recent experiment with Twitter proved it. Twitter – An Experiment I decided it would be a great idea in 2015 to get more connected to bloggers I had common interests with. I…
  • 4 Steps to a Profitable Business

    Tammy Hawk-Bridges
    9 Dec 2014 | 6:33 pm
    Building a profitable business should be a goal for every entrepreneur! Are you ready for the New Year? 2015 is on the horizon and I’m getting really excited! I love December! It’s a time to start thinking about fresh new ideas! It’s also a time to right some wrongs and have a new start. I want to share 4 great tips with you to help you start out your New Year right and structure your business for growth. Step 1 to a Profitable Business – Know Your Perfect Customer If you’re going to grow a profitable business you must know who your perfect customer is. The world…
  • Design a Marketing Process in Your Business

    Tammy Hawk-Bridges
    2 Dec 2014 | 11:49 am
    Several years ago I fell flat on my face in a business. It failed mainly because I didn’t understand marketing, more specifically Internet marketing. It also failed because I didn’t have a plan or a process in my business. (Perhaps I  should mention that making money wasn’t a choice for me, it was that or lose my house.) Because I didn’t understand marketing and didn’t have the right knowledge I couldn’t reach enough people to purchase my products and services. So many people struggle in their businesses because they don’t have enough cash flow. Here’s…
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    GeorgetteMillerLaw.com

  • How To Buy Your First Home- Part 1

    Georgette Miller
    23 Jan 2015 | 6:00 am
    Buying a home can be simple and painless by preparing for the entire experience ahead of time. Rushing to buy does not allow the first time home buyer to make careful decisions, and it’s possible to miss out on a better opportunity. Gain an understanding of the steps it takes to buy a home and plan to spend several months committed to the process. 1. Decide if You’re Truly Ready Everyone wants to own a home to have a place that they can call their own instead of throwing away money renting. However, the financial responsibility is quite demanding … Read the more The post How…
  • What Happens To Renters When a Property is Foreclosed on?

    Georgette Miller
    19 Jan 2015 | 6:00 am
    As a renter, it’s uncommon to feel the need to know if the property owner is current with their mortgage payments. This type of information often comes up when the property is being threatened and it’s too late to take any course of action. Federal legislation provides a safeguard so that tenants are no longer left helpless when being faced with the potential to lose their home. When Your Landlord Is In Default It is an unfortunate truth that landlords renting out the property are not always in good standing with the original lender. Falling behind on mortgage payments… Read…
  • How Long Does Information Stay on My Credit Report

    Georgette Miller
    16 Jan 2015 | 6:00 am
    When it comes to maintaining personal finances, it’s important to understand how a credit report can be affected by negative information. A difficult time in life can continue to create hardships years if it remains in the file that lenders and other institutions use as reference. Find out how long different types of information stay with the report to gain a better understanding of reasons your credit score may be less than ideal. Credit Inquiries Any time a company requests information from a credit report, an inquiry record is kept for a certain period of time. This includes…
  • How to Value Personal Property on Your Bankruptcy Petition

    Georgette Miller
    12 Jan 2015 | 6:00 am
    Here are the basic methods for figuring out the value of your property in bankruptcy. When you file for bankruptcy, you must disclose and value all of your personal property in your bankruptcy schedules. In general, the value of your personal property depends on how much it would cost to replace the asset with a comparable item similar in age and condition. Read on to learn more about how to value personal property in bankruptcy. Why Is Property Valuation Important? In Chapter 7 bankruptcy, if the value of an asset exceeds the amount of your exemption, the appointed … Read the more The…
  • File Bankruptcy and Live Longer?

    Georgette Miller
    9 Jan 2015 | 6:00 am
    Consumer bankruptcy attorneys have long known that filing bankruptcy can relieve personal stress. Clients burdened with overwhelming debt are able to “start fresh” after bankruptcy without the stress of debt collectors chasing them. Now there is evidence that filing bankruptcy may actually lead to a longer and more prosperous life. Recently, a paper published by the National Bureau of Economic Research (NBER) examined 500,000 bankruptcy filings in the United States to measure the effect of bankruptcy laws on consumers. The authors, economists Will Dobbie and Jae Song, found that filing…
 
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    Sanjay Matai, The Wealth Architects

  • Sec 80C offers numerous tax saving alternatives

    Sanjay Matai
    22 Jan 2015 | 8:44 pm
    The month of January is close to its end and barely two months remain to make the investments — as specified in Section 80C of the Income Tax Act — so as to claim the allowable tax deduction.As is often the case, there are still many who haven't made all the necessary investments as yet. If you are one of them, do hurry up. Else you may end-up with wrong products if you leave the matter to the last minute.However, even among the disciplined tax savers, many are lagging behind.As you may recollect, the Finance Minister Shri Arun Jaitley had increased the total amount…
  • Commission of your life insurance agent is exorbitant

    Sanjay Matai
    20 Jan 2015 | 9:27 pm
    Welcome to the annual "insurance season". As the Financial Year 2014-15 nears its end, people scamper to make their tax-saving investment u/s 80C. And, despite poor returns and many other obvious disadvantages, insurance policy is at the top of the list of tax-saving instruments.This is unfortunate indeed... for the policy buyer, of course...  the insurance companies and their agents make merry.A lot has been said and written about the pathetic yields that the typical life insurance policies generate. (Read: 'You just lost Rs.4.80 lakhs!The primary reason for this is the huge…
  • Hazardous close-ended mutual funds can destroy crores

    Sanjay Matai
    18 Jan 2015 | 9:17 pm
    Mutual fund industry does not enjoy the confidence of an aam investor, despite the fact that- mutual funds are an excellent product per se and - they have been in business for more than two decades now.In my opinion, this is primarily due to their focus on the short-term profits for their business. They have rarely given thought to educating the investors which could provide a solid foundation to a long-term super-profitable industry... for everyone i.e. mutual fund companies, investors and the distributors.They have done nothing to dispel the many myths prevailing about mutual funds. On the…
  • Drop in interest rate to ease EMI burden, finally

    Sanjay Matai
    15 Jan 2015 | 9:02 pm
    In line with the indications given in his fifth bi-monthly monetary policy issued on Dec 2, 2014, RBI Governor has finally declared a cut in the policy interest rates.In fact, he did not even wait for the next review of monetary policy due early next month on Feb 3rd and made an unscheduled announcement.Given the favourable economic parameters, RBI decided to reduce the policy interest rates by 0.25% and made a statement to that effect yesterday on the auspicious occasion of Makar Sankranti, Pongal and Uttarayana.In his statement, RBI Governor Dr. Raghuram Rajan mentioned that  a) there…
  • Tax on sale of property made really simple

    Sanjay Matai
    13 Jan 2015 | 9:33 pm
    Sale of property generally results in a profit and occasionally in a loss. While the gains are liable for payment of tax, the losses are eligible for a set-off.So here's a short and simple discussion on the tax implications that may arise when you sell any property owned by you.1. Property held for 3 years or less (classified as a short term asset)a) GainProfit on sale of any property, held for 3 years or less from the date of purchase, is termed as short-term capital gains. It is calculated as under:Short term capital gains = Sale price - (Purchase price + cost of improvements + transfer…
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    The Skint Dad Blog

  • Free eBooks from Amazon – 25 January 2015

    Skint Dad
    25 Jan 2015 | 9:53 am
    Rather than paying for Kindle eBooks, did you know that you can download a huge selection of them for free? See what’s free this week. You don’t need to buy a tablet to read eBooks. Read my guide on how to read them without a Kindle here. Here are a selection of free eBooks from Amazon that I [...] The post Free eBooks from Amazon – 25 January 2015 appeared first on The Skint Dad Blog.
  • How I Plan My Supermarket Shop

    Skint Dad
    24 Jan 2015 | 1:42 pm
    The food bill in my household is our biggest spend after rent. To ensure we keep within our budget we have a tried and tested plan for our supermarket shop. I’m heading out to a supermarket tomorrow to do a good week’s worth of food shopping so I thought I’d share with you the process [...] The post How I Plan My Supermarket Shop appeared first on The Skint Dad Blog.
  • Skint Dad’s Tomato Pasta Sauce

    Skint Dad
    23 Jan 2015 | 1:50 pm
    Tomato pasta sauce is something that is make at least one a week in the Skint household. It’s easy to make, as well as the base for a cheap frugal meal. One of the staple ingredients in my house is a tin of tomatoes. They are so versatile and can be used in many different [...] The post Skint Dad’s Tomato Pasta Sauce appeared first on The Skint Dad Blog.
  • Party Time Tonight with Gocompare: RSVP to @SkintDadUk

    Skint Dad
    22 Jan 2015 | 2:56 am
    The #gocomoneytalks Twitter chat starts tonight at 8pm. Join me and Gocompare for your chance to win Amazon vouchers and answer your questions on saving money in 2015! So the day is finally here folks. Dig out your dancing shoes and dust down that party hat because tonight from 8pm on Twitter you’re invited to take part [...] The post Party Time Tonight with Gocompare: RSVP to @SkintDadUk appeared first on The Skint Dad Blog.
  • Reducing Food Waste: 10 Top Tips

    Skint Dad
    21 Jan 2015 | 1:41 pm
    Instead of throwing away unwanted, leftover or out of date food, follow these easy tips to help reduce your food waste and save some cash in the process. Did you know that according to LoveFoodHateWaste.com us Britons throw away 7 million tonnes of food and drink each and every year. To put it into a [...] The post Reducing Food Waste: 10 Top Tips appeared first on The Skint Dad Blog.
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    ReadyForZero Blog

  • Does Debt Consolidation Help or Hurt Your Credit?

    Kayla
    23 Jan 2015 | 11:31 am
    If you’re struggling to make the minimum payments on your debt, missing due dates and not making any substantial headway in the process, you’re credit score likely already mirrors your situation. After all, these three numbers are supposed to be the quickest snapshot of your financial health and ability to repay creditors. Debt consolidation may be an option you’re considering in order to regain some solid footing, but it’s important to note how this move can impact your credit worthiness and score. Will it lend a helping hand or kick you when you’re down? When you’re ready to…
  • 3 Questions to Ask Yourself Before Pursuing Debt Consolidation

    Kayla
    22 Jan 2015 | 6:29 am
    Bills can spur a great deal of anxiety – especially when they represent a seemingly insurmountable pile of debt. If you’re struggling to make payments to multiple creditors at various amounts on different dates throughout the month, you’re likely feeling the pressure. Debt consolidation and the promise of wrapping each debt into one predictable monthly payment might seem like the perfect solution to your potential financial burnout. And for some, it can help a great deal. But financial stumbling blocks like these don’t always have a one-size-fits-all solution and may require some…
  • Top 5 Best (Free) Spreadsheets for Paying Off Debt

    Ben
    21 Jan 2015 | 12:40 am
    When you’re in debt, it can feel confusing and overwhelming – as if you’re trying to find your way out of a huge maze with ten-foot walls and no map to guide you. Luckily, the first step to getting out of debt is to give yourself a map. And that starts with using some kind of spreadsheet or tool to organize all your debts so you can see what you owe and create a plan for paying them off. Now, if you’re a longtime reader of this blog, you’re already aware of a more high-tech solution than spreadsheets, but in this post we’re first going to look at the best of the traditional…
  • 7 Debt Repayment Tips from Someone Who’s Been There

    Miranda
    2 Jan 2015 | 3:01 am
    When I graduated (as a newlywed) with a four-year degree, I also graduated with maxed out credit cards, student loans, and an auto loan. After two years of working, I had paid down some of the credit card debt, but a cross-country move and grad school ran the credit card debt back up, and added more to the student loans. I even ended up with more debt as a result of not being prepared to pay taxes with my home business. If there was a way to do it wrong paying for things, I probably did it. My situation has improved since then, thanks to the efforts my husband and I have made to change things…
  • 3 Fast Ways to Compare Student Loans Using Excel

    Ben
    29 Dec 2014 | 3:00 am
    This is a guest post by Kaitlin Butler of CommonBond. While there are a lot of great loan calculators out, it can be hard to know where to look when you just want to understand how much you’re going to be paying for a student loan. If you’re starting to shop around for loans, you may want a general picture of how much you’re going to pay, and if you’re refinancing your existing debt, you may want a tool to compare your options based on how far you’ve already come with repayment. Either way, check out these simple Excel formulas to compare different student loan options in just…