Personal Finance

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  • Kill Your Cable Box (DVR) Monthly Fees!

    Lazy Man and Money
    Lazy Man
    18 May 2015 | 9:45 am
    For the last 3.5 years I haven't paid the cable company a penny in rental fees for a cable boxes. I didn't sacrifice any features I use and actually gained quite a few. Most people pay around $8/mo. for a dumb box (no DVR) or $16/mo. for (limited) DVR storage. I was one of those paying $16/month before I switched to my new system. It has saved me more than $650 over that time. I'm going to tell you how you can do the same. However first, a little back story. The Quest for Cable Box Freedom A few years ago, I realized that I have been renting cable boxes for 7-8 years... and television…
  • The math behind reward sites like Swagbucks and MyPoints

    Mighty Bargain Hunter
    John Wedding
    8 May 2015 | 10:21 pm
    I’ve used both MyPoints and Swagbucks to get gift cards for doing such things as reading emails, doing web searches, and other low-stress, quick-turnaround activities. Both MyPoints and Swagbucks have been flawless with delivering the gift cards I’ve earned.  No issues, ever, and I’ve earned hundreds of dollars of gift cards through them. Rewards for doing easy stuff MyPoints has been around for over a decade.  A friend introduced the site to me around that time and I wish I had used it more back then. MyPoints rewards actions on their site with these things called…
  • How my 'gap year' changed my life

    Personal finance news - CNNMoney.com
    25 May 2015 | 5:56 am
    People take gap years at all ages. For many, it's not just life-changing, it also helps their career.
  • 7 Ways to Help Protect Your Financial Future From Unexpected Medical Expenses

    Wise Bread
    Chrissa Hardy
    22 May 2015 | 11:15 am
    In life, anything can happen. Injuries and illnesses cannot always be prevented. But there are things you can do now to help protect your financial future from unexpected medical expenses, and keep yourself happy and healthy in the process. 1. Start a Medical Emergency Fund The time to set money...
  • Why You Absolutely Must Pay Attention to Investing Fees

    Free From Broke
    Glen Craig
    13 May 2015 | 3:53 am
    It doesn’t seem like much. A 2% management fee for a managed fund. A $9.95 transaction fee when you make a stock trade. There is no getting around fees in the investing world. You’re going to pay them at some point. However, you can reduce what you pay in fees — and you should. You might be surprised to discover how much money you are wasting, and the long-term impact it can have on your real investment returns. Why You Absolutely Must Pay Attention to Investing Fees Piling on the Fees At first glance, your fees probably don’t seem like a big deal. However, once you start looking…
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    I Will Teach You To Be Rich

  • Work from home jobs

    Ramit Sethi
    22 May 2015 | 6:00 am
    How would you plan your day if you had the flexibility of working from home? Working from home lets my employee spend more time with her kids   A work-from-home job gives you FREEDOM. You could spend mornings at the gym, or with your kids. Afternoons meeting friends for lunch, or running errands when there’s no crowds, etc. Compare to a 9-5 job where you… Spend your first waking hours cursing other drivers during your awful commute Come home late every day with barely enough energy to do anything besides watch TV Miss out on your kid’s school plays, Halloween parties, and…
  • 3 counterintuitive secrets about earning more

    Ramit Sethi
    20 May 2015 | 5:00 am
    I’m loving these posts! On Monday, we talked about the surprise math of a dream vacation. I say “surprising” because people put off these crazy, wild ideas for decades…even though you can break it down and actually get what you want surprisingly soon. For example, what seems like a crazy vacation to Paris — including an awesome hotel and eating wherever you want — can sound like an impossible $10,000 trip. Or…it can actually be a few short months of earning more money on the side. (I covered the math in Monday’s article.) I know, I know. The next question…
  • The surprising math of a dream vacation (with examples)

    Ramit Sethi
    18 May 2015 | 5:00 am
    One of the greatest things I learned in college was in a class I almost failed. I took an introductory programming class — CS106A — and walked in feeling like a huge stud. I knew I was going to crush this class, especially compared to the English majors who were taking it because they were required to. GOOD OLD RAMIT WAS ABOUT TO CRUSH THIS! Except…no. I worked for 40 hours a week on this class. I went to office hours. I tried my hardest… …and walked out of that class with a D. A D!!! Nobody gets a D at Stanford. Grade inflation…I love you. Looking back, I…
  • How to make money online (the step-by-step instructions)

    Ramit Sethi
    13 May 2015 | 5:00 am
    Years ago, I wanted to create an online business. So I began experimenting. I started by selling a $4.95 ebook called “Ramit’s 2007 Guide to Kicking Ass.” Looking at this now, I’m embarrassed. My first product — a $4.95 ebook. I want to go back in time and slap myself.   It wasn’t perfect, but it didn’t need to be. (In fact, the sales copy I wrote for it was downright awful.) YEARS later I still remember my first sale. I only made $4.46 after fees…but it felt INCREDIBLE.   It wasn’t only about the money — the coolest part was I created something…
  • New Challenge: Save $1,000 in 1 week

    Ramit Sethi
    11 May 2015 | 4:00 am
    You know, it’s funny how hard it is to change people’s opinions of you. If you were the crazy partier in college, you might turn into a super-responsible person…but some people will always think of you as the CRAZY BRO who goes out hard all the time (!!!). I see this in my own life. Some people still think of me as the kind, gentle soul who’s always there with a smile and a comforting — wait, wait…I think I got that wrong. Oh yeah. Some people still call me the “personal finance guy,” even though I haven’t really written about personal finance in 5+ years. I just…
 
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    Get Rich Slowly - Personal Finance That Makes Sense.

  • Ask the Readers: Will higher interest rates make you save more money?

    Linda Vergon
    22 May 2015 | 4:10 am
    This article is by editor Linda Vergon. Interest rates are expected to rise later in 2015. What will you do with this information? You could make the case that you haven’t missed much if you didn’t keep your money in a savings account over the last few years. But still, we all need liquid funds to one degree or another – and the sooner the interest rate goes up on those balances, the better. So will higher interest rates make you save more money? Well, they could, but not if you don’t have the money to begin with. A strange dichotomy seems to exist right now. “Total indebtedness is…
  • 12 ways to celebrate Memorial Day this weekend

    Lisa Aberle
    21 May 2015 | 4:00 am
    This article is by staff writer Lisa Aberle. (From time to time, we look into the subject of frugal travel and vacation ideas. Holly Johnson’s post on How to save money on family vacations is one example. This year, we thought it would be fun to find some frugal and interesting ways to celebrate Memorial Day around the country. We’d love you to share your tips for a frugal Memorial Day weekend in the comments!) Memorial Day is when, collectively, we remember the men and women of the armed forces who died while serving our country. Virtually every town and hamlet across the nation…
  • Dorm survival guide — what to splurge on, what to skip

    Honey Smith
    20 May 2015 | 4:00 am
    This article is by staff writer Honey Smith. If you are headed to college this fall (or know someone who is), then you may also be headed to life in a dorm. Like many things, living in a dorm can be an expensive proposition, but it doesn’t have to be. Sometimes you can avoid the expense completely — one good strategy for this is to live at home and attend an online college or local community college for your associate’s degree. However, not everyone is lucky enough to have a college close enough to home to make that a feasible choice. Additionally, not all parents are…
  • The tax mistake that could hurt you now or next year

    Suba Iyer
    19 May 2015 | 4:00 am
    This article is by staff writer Suba Iyer. Presumably, it has been a little more than a month since you submitted your tax return for 2014. Did you end up owing the IRS or did you get a refund? There are plenty of personal finance articles that discuss the pros and cons for each of these situations. So we will skip those discussions and go right to the point: Are you happy with your result? If not, you can easily fix it for next year by adjusting your withholding now. But it’s a simple step many people forget to take. Now or next year? For example, if you got a refund this year but…
  • How to homeschool on one income

    Lisa Aberle
    18 May 2015 | 4:00 am
    This article is by staff writer Lisa Aberle. When I wrote about the pros and cons of homeschooling recently, I left one major piece of the puzzle untouched: How does a family handle the loss of income if a stay-at-home parent is required? It’s not just the loss of monthly income. The parent who stays at home doing the bulk of the educating is also missing out on some other benefits of employment (employer contributions to a 401(k), social security benefits, avoiding a resume gap, etc.). These aren’t necessarily easy to quantify. So let’s take a look at the financial piece of…
 
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    Consumerism Commentary

  • Command and Control: From Baseball Pitches to Your Money

    Luke Landes
    27 Apr 2015 | 9:40 am
    When your life is out of control, nothing seems to go right. You have the worst luck, and you can’t seem to get ahead with anything, whether a project, a goal, or even simple things like taking care of daily tasks. Regaining control of your life is imperative. For your finances, you can do that by paying attention, changing your mindset, taking an inventory, tracking changes in your finances, budgeting, and seeking support from family, friends, and even strangers. This was one of the major premises behind Consumerism Commentary. The same is true in all aspects of your life, especially…
  • Can You Blame Them for Not Being Invested in Stocks?

    Luke Landes
    13 Apr 2015 | 7:05 am
    After the stock market closed on Friday, my portfolio was at an all-time high. That was likely also the case for a lot of investors living in the United States who are similar to me: earning income, investing in the stock market with a buy-and-hold strategy for the future, and leaving money invested during the stickier economic times. Continuing to invest in the stock market throughout the recent recession was an essential part of long-term success with investing. Not all investors had this luxury, as the recession hit hard. Many workers lost their job and their income at the same time…
  • 5 Reasons Why New Chip Credit Cards Won’t Reduce Fraud

    Luke Landes
    27 Mar 2015 | 7:56 am
    Banks in the United States are undergoing a major transformation in credit card technology, a process similar to the one Europe successfully completed several years ago. Despite the technological advances in mobile payment that have already rendered plastic cards obsolete, the financial industry wants to replace every magnetic stripe credit card in every wallet. When I received a business credit card in the mail last week, in an envelope anyone paying attention would recognize as a new credit card delivery, it featured a new security measure: a chip. The embedded computer chip stores…
  • LearnVest Acquired By Northwestern Mutual

    Luke Landes
    26 Mar 2015 | 9:55 am
    Congratulations to the owners of LearnVest, a financial planning start-up that is in the process of finalizing a deal with Northwestern Mutual wherein the latter will be acquiring the assets and business of the former. In a deal of more than $250 million in cash, a company that provided early funding for the start-up will now be the sole owner. LearnVest entered the market as a service that put women in touch with resources, including financial planners, to help them reach their financial goals. The company later expanded its reach to men, as well. But it’s quite probable, as Michael…
  • Life Is and Isn’t About the Money

    Luke Landes
    25 Mar 2015 | 7:27 am
    Accumulating money is not a real goal for anyone’s life. Growing wealth is not the point. People don’t work hard because they want to see their bank balance grow; those of us who track our finances and chart our net worth over time aren’t trying to compete in some financial competition. I imagine there are individuals who do have an approach to money wherein the increase of the bank balance is the ultimate goal. But this approach misses the point. Perhaps these savers and earners haven’t given enough thought to why they want to grow their wealth, other than believing…
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    Forbes - Personal Finance

  • Student Loan Repayment Tips for May Grads

    Reyna Gobel
    24 May 2015 | 5:00 pm
    When you first graduate college, student loans are both the last and first thing on your mind. You want to know celebrate your graduation, but you're also thinking about how you're going to repay your education debt. Before you worry too much, the good news is you'll likely have a grace period before you have to start repayment.
  • Tax Return Preparers Rejoice: IRS To Refund All Exam Fees Paid Under Invalidated Program

    Tony Nitti
    24 May 2015 | 1:22 pm
    In 1884, 31 U.S.C. §330 was added to the statute. Section 330 provides that the Secretary of the Treasury may:
  • Amazing Personal Finance Books Financial Experts Say Will Change Your Life

    Ky Trang Ho
    24 May 2015 | 7:01 am
    To help you save time sifting through the 23,000 personal finance books listed on Amazon for your 2015 summer reading list, I asked some leading financial experts to recommend the most amazing in the field and summarize the key takeaways. Some of these will completely change your outlook on finances and may even change your life. 1.  MONEY Master the Game: 7 Simple Steps to Financial Freedom by Tony Robbins The release of  Tony Robbins’ new book is pivotal for firms that are fee-only and investor-focused because it highlights in a very public way the philosophies…
  • Baby Boomers Invite Millennials To Their Office Party, But Many Don't Stay Long

    Neale Godfrey
    24 May 2015 | 5:06 am
    The profile of the typical American worker is changing. By the end of 2015, Millennials will outnumber their Baby Boomer co-workers. So, what does this mean to the workplace environment? On the surface, Millennials and Baby Boomers seem to have a starkly different work ethic; however, surveys seem to show that the contrasting values between these two groups may not be as large as we thought.
  • The Best And Worst States For Retirement Security

    Nancy Anderson
    23 May 2015 | 8:18 am
 
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    Yahoo News - Latest News & Headlines

  • Candlelight vigil marks 1 month since deadly Nepal quake

    25 May 2015 | 7:12 am
    Hundreds of people held a candlelight vigil in Nepal's capital Monday evening to mark one month since the earthquake that killed thousands of people and affected millions.
  • Authorities detonate suspicious device near U.S. Capitol

    24 May 2015 | 10:04 pm
    (Reuters) - U.S. authorities on Sunday blew up a pressure cooker found in a vehicle parked near the U.S. Capitol and later arrested the vehicle's owner. Pressure cooker bombs were used to kill three people and injured more than 250 others at the Boston Marathon in April 2013. U.S. Capitol Police officers‎ on routine patrol found the suspicious vehicle on 3rd Street across from the Capitol's west lawn, spokeswoman Lt. Kimberly Schneider said.
  • Police: Pressure cooker from suspicious DC vehicle destroyed

    24 May 2015 | 9:49 pm
    A bomb squad safely destroyed a pressure cooker found in a "suspicious" vehicle left unattended Sunday afternoon on the National Mall near the U.S. Capitol building and the vehicle's owner was located and arrested, a U.S. Capitol Police spokeswoman said.
  • 3 killed, homes washed away in Texas, Okla. floods

    24 May 2015 | 9:28 pm
    Record rainfall wreaked havoc across a swath of the Plains and Midwest on Sunday.
  • Thousands of bikers gather in Washington to honor vets

    24 May 2015 | 7:34 pm
    One week after a gathering of biker gangs in Texas that resulted in nine deaths and 170 arrests, thousands of motorcycle riders roared into the nation's capital Sunday to honor military veterans, prisoners of war and soldiers missing in action.
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    My Money Blog

  • Chase Ink Cash Business Card Review: $300 Cash Bonus, 5% Back Categories, No Annual Fee

    Jonathan Ping
    21 May 2015 | 4:58 pm
    Limited-time offer; last day to apply is Monday, May 25th. The Chase small business credit card that I have written the least about is the Ink Cash® Business Credit Card. The Ink Cash usually doesn’t come with as big of a sign-up incentive as its Ink Bold and Ink Plus siblings, but is also has no annual fee for the first year and all subsequent years. The Ink Cash actually offers a better combination of upfront bonus and ongoing rewards utility. If that sounds like you, someone who want a “keeper” business card with no annual fee, read on to learn about a few lesser-known…
  • Chase Ink Plus Business Card Review: 60,000 Rewards Points Bonus

    Jonathan Ping
    21 May 2015 | 4:21 pm
    Limited-time 60k offer; last day is Monday, May 25th. Chase’s newest small biz credit card is called the Ink Plus® Business Card. It turns out to be very similar to the Chase Ink Bold Business card, but with the important difference that the Ink Plus is a credit card where you can carry a balance and the Bold is a charge card that you must pay in full each month. The current APR for both purchases and balance transfers is 15.24%. This means that the Ink Plus is a separate card with its own sign-up bonus, currently a limited-offer of 60,000 Ultimate Rewards points after your after…
  • Bogle on Mutual Funds, An Investment Classic Book Review #TBT

    Jonathan Ping
    21 May 2015 | 1:25 am
    Whenever I feel overwhelmed by the amount of noise coming at me through my computer screens, I read a book. When the new books on my desk don’t impress, I find an old book. That is how I came to buy a used, first edition of Bogle on Mutual Funds last year from Amazon for a penny + $3.99 shipping. John Bogle is best known as the founder of Vanguard who brought index funds to retail investors and changed the entire industry. Since most people just know him as the Index Fund Guy, I feel that he is under constant pressure to stay “on message” and only promote buy-and-hold…
  • Paperless vs. Paper Statements

    Jonathan Ping
    20 May 2015 | 12:10 am
    Pictured above is the Fujitsu ScanSnap iX500 Scanner. It can digitize a page every 2 seconds, and some version of it has been on my Amazon Wishlist for many years. However, I still haven’t plunked down 400 bucks for it, because I don’t know if I’ll ever go completely paperless. There are many tutorials on how to scan all your paper documents into Dropbox or Evernote. Liz Weston recently had a Reuters article about going paperless with tax-related documents: I don’t make New Year’s resolutions. Instead, I resolve every tax season to get a better handle on my…
  • Sling TV Review + Free Amazon Fire TV Stick or Roku Stick Promo (Updated)

    Jonathan Ping
    19 May 2015 | 12:31 am
    Updated review after 3 months of using Sling TV. Promo still live for a couple more weeks. Sling TV allows you to stream a package of major cable networks live over the internet. That means you can watch it on your smartphone, your home TV, or your laptop. No cable subscription required. Here are the channels included in the base package that runs $20 a month: ESPN (live sports!) ESPN2 CNN Food Network Travel Channel HGTV Cartoon Network TNT TBS Cartoon Network Disney Channel ABC Family Right now, if you commit to prepaying 3 months of Sling TV ($60 total), you can get any of the following…
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    The Simple Dollar The Simple Dollar

  • Questions About Lawnmowers, Banking Privacy, Self-Learning, Ice, Summer Reading and More!

    Trent Hamm
    25 May 2015 | 7:00 am
    What’s inside? Here are the questions answered in today’s reader mailbag, boiled down to five word summaries. Click on the number to jump straight down to the question. 1. Children as insurance policy? 2. Exercise outside the gym 3. Installing solar panels? 4. Bank violation of privacy 5. A frugal society is bad? 6. Buy it for life: lawnmower 7. Ice packs or ice 8. Stolen item from Craigslist 9. Mom gave away life’s savings 10. Huge financial changes 11. Value of self-learning 12. Cheaper to buy? 13. College free in the future? 14. Positive financial heroes 15. Summer…
  • 10 Tips for First-Time Home Buyers

    Trent Hamm
    24 May 2015 | 7:00 am
    In the summer of 2007, my wife and I purchased our first home. As a first-time home buyer, I knew we needed to spend a considerable amount of time researching our purchase. So that’s exactly what we did – we read as much as we could, educated ourselves on the local real estate market, and explored every aspect of the home buying process. But even then, we still made a few rookie mistakes. Of course, it’s easy to see that now – after the fact. You know how the saying goes: “Hindsight is 20/20.” Although we are still happy with our purchase overall, there are…
  • What to Bring to College: The Smart (and Frugal) College Checklist

    Trent Hamm
    23 May 2015 | 7:00 am
    A lot of college packing lists seem like overkill. So what do you really need to bring? Photo: Nazareth College Angela writes in: In nine days, our oldest son is graduating from high school. He will be the first one in our family to go to college as he is going to [a major state school]. While we have spent a lot of time figuring out scholarships and financial aid and other things, we are really unsure as to what he needs to actually take to college. There are a lot of “lists of stuff to take to college” but they seem like overkill. You would need a moving van to take all of that…
  • Sometimes

    Trent Hamm
    22 May 2015 | 7:00 am
    Sometimes, you need to take a young child shopping, and it might throw off your list and your meal plan. But overspending by $20 doesn’t mean you’re a financial failure – it means you’re human. Photo: Quinn Dombrowski Most of the time, I have my financial house in pretty good shape. I follow my well-planned grocery list at the grocery store. I don’t spend much money on stuff I don’t need. I keep us on track with our family’s budget. I don’t spoil my children with expensive stuff or experiences. I save plenty for an early retirement and maybe…
  • Eight Tips to Make Credit Cards Work for You, Not Against You

    Holly Johnson
    21 May 2015 | 11:00 am
    Stay in control of your credit cards — don’t let them control you. A credit card can be a valuable tool if you know how to use it properly. Likewise, using credit cards irresponsibly can lead to a world of hurt. If you need an example of how badly things can go, look no further than your neighbors, friends, and relatives. According to the most recent statistics, the average American household carries around $7,200 in credit card debt. Even worse, that figure tends to increase with each passing year, even as household incomes struggle to keep up with inflation. Further, a 2001…
 
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    Wise Bread

  • 11 Cool Uses for Your Coffee Maker

    Paul Michael
    25 May 2015 | 8:00 am
    If you're a fan of Food Network's Alton Brown, you know his philosophy on kitchen gadgets; don't buy them if they only have one use. Another way to look at that could be: how do you get multiple uses from the gadgets you already have in your kitchen? One gadget many of us have in our kitchen is a...
  • These Secrets of Amazon's Pricing Strategy Will Help You Find the Best Buys

    Kyle James
    25 May 2015 | 6:00 am
    It can be easy for Amazon customers to assume they're always getting the best price. As a matter of fact, that's exactly what the marketing geniuses at Amazon want you to do. They don't want you to compare prices with Walmart; instead they want you to perceive them as always having the lowest...
  • When It Makes Sense to Apply for a Mortgage Loan Without Your Spouse

    Dan Rafter
    25 May 2015 | 4:00 am
    You and your spouse or partner are ready to apply for a mortgage loan. It makes sense to apply for the loan jointly, right? That way, your lender can use your combined incomes when determining how much mortgage money it can lend you. Surprisingly, this isn't always the right approach. If the...
  • Best Deals for Friday 05/22

    Amy Lu
    22 May 2015 | 11:27 am
    Link for teaser title:  http://www.wisebread.com/bestdeals/today JCPenney in-store coupon: $10 off w/ $10 or more, Best Buy Memorial Day Sale: Up to $500 off, $1 off any 2 Silk...
  • 7 Ways to Help Protect Your Financial Future From Unexpected Medical Expenses

    Chrissa Hardy
    22 May 2015 | 11:15 am
    In life, anything can happen. Injuries and illnesses cannot always be prevented. But there are things you can do now to help protect your financial future from unexpected medical expenses, and keep yourself happy and healthy in the process. 1. Start a Medical Emergency Fund The time to set money...
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    Bargaineering

  • How to get people to buy your junk … A guide to selling almost anything on Facebook groups

    Dawn Papandrea
    18 May 2015 | 12:00 am
    Dawn PapandreaA few months ago, when I was putting my recycling and bulk items out on garbage day, I happened to run into my neighbor who noticed that some old toys and baby gear were among the curbside casualties. She politely suggested that I was throwing good money away, and proceeded to tell me about a [...]How to get people to buy your junk … A guide to selling almost anything on Facebook groups from personal finance blog Bargaineering.com. This blog was posted by Dawn Papandrea
  • Americans are spending how much on weddings?! Here’s how we had a blast on a budget on our big day

    Mitch Strohm
    7 May 2015 | 12:00 am
    Mitch StrohmPlanning on getting hitched soon? Start saving. Mitch Strohm and Mandy Boyd on their wedding day The average cost of a wedding is now a hefty $31,213 (honeymoon not included), according to the 2014 Real Wedding Study from TheKnot.com. That’s up from $29,858 in 2013. As a guy — and finance writer — who just [...]Americans are spending how much on weddings?! Here’s how we had a blast on a budget on our big day from personal finance blog Bargaineering.com. This blog was posted by Mitch Strohm
  • Wealth building choices of your richest neighbors

    Nick DiUlio
    27 Apr 2015 | 12:00 am
    Nick DiUlioHere’s a little secret about building wealth. There is no secret. Ask pretty much any self-made millionaire and you’ll get pretty much the same advice. They’re where they are today because they made a few smart and surprisingly simple choices. Choice 1. Spend (way) less than you earn You’d be surprised at the modest lifestyles [...]Wealth building choices of your richest neighbors from personal finance blog Bargaineering.com. This blog was posted by Nick DiUlio
  • How to compare college finanical aid packages and pick the right school

    Dawn Papandrea
    16 Apr 2015 | 12:00 am
    Dawn PapandreaIt’s that time of year, when teens and their families agonize over which college they will pay thousands of dollars to – or borrow thousands of dollars for — over the next four years. By now, acceptance letters and financial aid packages are in hand, so it’s just a matter of doing some side-by-side comparisons. [...]How to compare college finanical aid packages and pick the right school from personal finance blog Bargaineering.com. This blog was posted by Dawn Papandrea
  • When you want to travel determines when you’ll find the cheapest airline tickets

    Mitch Strohm
    6 Apr 2015 | 12:00 am
    Mitch StrohmIf you’re shopping for a great deal on a plane ticket, the best time to book depends on when you’ll be traveling. During off-peak season, on average, you’ll get the best prices on domestic fares 47 days before takeoff, according to a recent report from CheapAir.com. For summer travel – June to August – 76 [...]When you want to travel determines when you’ll find the cheapest airline tickets from personal finance blog Bargaineering.com. This blog was posted by Mitch Strohm
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    James Clear

  • One Month Sabbatical: I’m Taking May Off From Writing

    James Clear
    30 Apr 2015 | 9:00 pm
    As regular readers know, I believe that creative genius reveals itself when you show up consistently, put in enough repetitions, and focus on the system rather than the goal. This is one of the main reasons why I have published a new article nearly every Monday and Thursday since November 12, 2012. But I also believe in balance, rejuvenation, and the importance of play and having fun. Recovery is non-negotiable. And for that reason, I’m choosing to take a sabbatical from writing during the month of May. This is the fourth time I’ve done this. I usually take one break around May or June…
  • You’re Not Ready for Marriage

    James Clear
    27 Apr 2015 | 11:16 pm
    Sometime in 2014, two famous men walked into a recording studio. They were working on a rap album, but at this particular moment they were talking about marriage. The first man was someone you would expect to be working on a rap album. His real name was Olubowale Akintimehin, but he is better known as the hip hop artist Wale (pronounced WAH-lay). The second man was someone you would never expect to be working on a rap album, the popular comedian Jerry Seinfeld. Wale was partnering with Seinfeld for his fourth album, The Album About Nothing. During this particular session, he brought Seinfeld…
  • Design for Default: How to Optimize Your Daily Decisions

    James Clear
    23 Apr 2015 | 10:42 pm
    You might assume that humans buy products because of what they are, but the truth is that we often buy things because of where they are. For example, items on store shelves that are at eye level tend to be purchased more than items on less visible shelves. In the best-selling book Nudge (Kindle | Audiobook), authors Richard Thaler and Cass Sunstein explain a variety of ways that our everyday decisions are shaped by the world around us. The effect that eye-level shelves have on our purchase habits is just one example. Here’s another: The ends of aisles are money-making machines for…
  • The More We Limit Ourselves, the More Resourceful We Become

    James Clear
    20 Apr 2015 | 2:29 pm
    In 1843, Soren Kierkegaard published his first major book, Either/Or (ebook), in which he tries to answer the question, “How should we live?” During a particularly interesting passage, the Danish philosopher discusses our tendency to see boredom as a negative influence and points out that we often use boredom as justification to jump continually from thing to thing. “One is weary of living in the country and moves to the city; one is weary of one’s native land and goes abroad; one is weary of Europe and goes to America, etc.; one indulges in the fanatical hope of an…
  • Announcing the 2015 Motivation and Willpower Seminar (Live Event on April 22nd)

    James Clear
    16 Apr 2015 | 8:27 pm
    Today I am excited to announce the 2015 Motivation and Willpower Seminar, which is a live online class that I will be hosting on April 22, 2015. Spring and summer are upon us and habits have a tendency to fade away when summer vacations and outdoor activities slide back into our schedules. It’s the perfect time to re-energize your efforts and learn how to maximize your willpower and motivation for the middle of the year. If you’re wondering, “Is this different than the Habits Seminar?” Yes, the Motivation and Willpower Seminar is a completely different class. But…
 
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    fivecentnickel.com

  • Is the tide turning for savings accounts?

    Richard Barrington
    19 May 2015 | 6:30 am
    On the surface, savings account rates seem to be stuck in the same rut they have been in for the last couple years; but if you look a little closer, there are some isolated developments that could start to put the interest back in savings account interest rates. According to the FDIC, the average savings account rate nationally is just 0.06 percent — a level that average first dropped to two years ago and hasn’t budged from since. However, some banks are beginning to buck the low-rate trend. Those banks remain exceptions, but the rarity of positive rate developments makes it well…
  • How to play retirement catch-up

    William Cowie
    30 Mar 2015 | 1:00 am
    I told the story elsewhere of how my wife and I woke up in our late 40s to the fact that our investment cupboard was bare. We were not alone, millions of Americans in their 40s or 50s don’t have nearly enough money saved to retire. So what can you do if you find yourself in that position? After you shake off the scorn of the self-righteous around you and stop beating yourself up, it is time to get to work because the good news is that there is hope. We managed it. You can do it, too. The strategy 1. Cut The first step is you have to cut your expenses to the bone. The key number…
  • How long will oil prices stay low — and what should you do?

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

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

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

  • Larry Winget’s Advice for College Graduates

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

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

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

    JLP
    12 May 2015 | 4:00 am
    I have been an Audible member for a couple of years now. I used sporadically for the first year and a half. Once we moved and got settled into our new house, I really started using the program during the time when I had to drive my kids to school (17 miles one way). Let me tell you: it’s addictive! Once we got our son a truck to drive to and from school, I cut back on my listening time, but still use it on my morning walks. According to the app on my iPhone, I am 132 hours away from becoming an Audible Master. “What is a Master,” you ask? It’s someone who has listened…
  • 2014 Total Returns for Various Indexes

    JLP
    17 Mar 2015 | 11:33 am
    It’s pretty sad that we are closing out the first quarter of 2015 and I’m just now getting around to posting 2014’s returns. I’ll do better from here on out. Bottom line: 2014 was a very rough year for oil.
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    Personal Finance Advice

  • Simple Safety Tips for Barbecuing Memorial Day Weekend

    Lori Kelley
    24 May 2015 | 12:20 pm
    Memorial Day is the unofficial beginning of summer, and with it comes with some seasonal dangers. Barbecuing is one of the activities which comes with some risks. It’s important to take action to help reduce the likelihood of accidents happening … Continue reading →
  • What’s Open and Closed on Memorial Day 2015

    Jeffrey Strain
    23 May 2015 | 5:49 am
    The weekend of May 23 through May 25, 2015, is Memorial Day weekend. As with many federal holidays, it can get confusing as to what will and won’t be open on Memorial Day. The United States doesn’t have national holidays, … Continue reading →
  • Is Target Open or Closed on Memorial Day 2015?

    Jeffrey Strain
    23 May 2015 | 1:25 am
    There’s nothing worse than going to a store to find just out that it is closed for a particular holiday. This is often the case when federal holidays come around in the United States, because these holidays are not national … Continue reading →
  • Retail Stores Open and Closed on Memorial Day 2015

    Jeffrey Strain
    22 May 2015 | 11:52 am
    Even though Memorial Day has nothing to do with shopping, it has become a major sales event for retail outlets. Stores are blanketing the TV with ads promoting their Memorial Day sales in an attempt to drive traffic to their … Continue reading →
  • Is the Post Office Open on Memorial Day 2015?

    Jeffrey Strain
    22 May 2015 | 9:58 am
    It often gets confusing as to what is and isn’t open when federal holidays (often confused with national holidays) come around each year. One of the main reasons for this is that many retail outlets have the choice of whether … Continue reading →
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    Mighty Bargain Hunter

  • Five tips for hitting the jackpot at your bank

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

    John Wedding
    8 May 2015 | 10:21 pm
    I’ve used both MyPoints and Swagbucks to get gift cards for doing such things as reading emails, doing web searches, and other low-stress, quick-turnaround activities. Both MyPoints and Swagbucks have been flawless with delivering the gift cards I’ve earned.  No issues, ever, and I’ve earned hundreds of dollars of gift cards through them. Rewards for doing easy stuff MyPoints has been around for over a decade.  A friend introduced the site to me around that time and I wish I had used it more back then. MyPoints rewards actions on their site with these things called…
  • This is how your bank feels about your loan payoff

    John Wedding
    26 Apr 2015 | 12:31 am
    As I posted about recently, we paid off our van loan, something we’re very happy about. The financial institution that held our loan recently sent us the title to the van.  They also sent a separate letter notifying us of such. Here’s the text of the letter: RE:  Loan: *******123-4567 Collateral Description:  [Our Van] Payoff Date: 03/27/2015 Dear John Wedding, The above referenced load has been paid in full. If this loan was secured by a vehicle, the lien will be released and the paper title mailed to you within 30 days unless you have a delinquent obligation to the [financial…
  • I forgot about the #1 source for tax information

    John Wedding
    7 Apr 2015 | 11:57 pm
    This week (and probably part of this weekend) I’ll be wrapping up my Tax Year 2014 activities.  As always, there will be much celebration afterwards. Since 2009 I’ve used H&R Block® Online Tax Software every year I’ve been able. In tax years 2012 and 2013, I had an investment vehicle unusual enough that the interview software wasn’t able to navigate through it, so some of the streamlining that I might have achieved had I used it every year was lost. Appreciation for depreciation Now that the complicated investment vehicle was out of my hands, I went back to using…
  • Slain debt dragon? 7 worthy uses for that payment

    John Wedding
    31 Mar 2015 | 10:16 am
    We slayed a debt dragon last week.  The carcass rots in our front yard as I write this.  The greenish-blue smoke from its nostrils abated only this morning. This past Friday marked the last of eighty-four biweekly loan payments on our Toyota Sienna. We paid off the five-year loan nearly two years ahead of schedule by rounding the payment up to the next $100 and making biweekly payments much the same way you can on a mortgage. From fire-breathing to breathing room This debt was consuming $100/week.  It no longer is.  I rather like the feeling! Getting rid of any kind of installment debt…
 
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    My Open Wallet

  • Mom is Selling Her House!

    Madame X
    29 Apr 2015 | 6:00 am
    Fingers crossed that this works out, but as I write this, my mom has accepted an offer for her house. This is exciting and sad and scary. If all goes well, it will keep her from wasting all her income on maintaining a single family house. She spent thousands of dollars this past winter just on snow removal! But it does worry me a little about turning her biggest asset into cash, as cash has a way of slipping through my mother's fingers very quickly. At one point she talked about putting a lot of the proceeds in trust for me and my sister, but I am not sure if she still plans to do that. If…
  • Juice is My New Financial Kryptonite

    Madame X
    21 Apr 2015 | 6:00 am
    What is it about juice that makes it so expensive sometimes?? I've always enjoyed fresh juices and smoothies made with fruits and vegetables, and they seem to be becoming more and more popular and widely available. There are green smoothie books all over the bestseller lists, and people are always talking about how great their Vitamix blenders are. You can buy all these fancy juices on Amazon, as well as various health food shops, Whole Foods, etc. and they are sometimes $10 a bottle! This is exactly the kind of thing where I'd normally dismiss it as a crazy fad designed to part stupid people…
  • Bonus Time

    Madame X
    14 Apr 2015 | 2:11 pm
    So my last post was about how tax time is usually a happy time of year... this goes hand in hand with bonus time, which is also usually a happy time of year. This year was a bit of an exception.I have mostly had jobs that involve measurable performance in some aspects, so a bonus has often been a significant part of my compensation, sometimes more than I even expected! I always remember my first job in NYC, where my salary started at $25,000. I knew that some sort of bonus would accompany that, but I don't know how much I asked about how big it could be. I was coming from a job where a bonus…
  • Time to Adjust... Withholding, and Attitude!

    Madame X
    16 Feb 2015 | 6:00 am
    Tax time is usually a happy time of year for me. The last few years, I've tended to get refunds. I know it's all a psychological game, because a big refund really means you were overpaying all year, and gave the government a free loan. If you owe money, it's like the government gave you a free loan... though interest rates are so low these days, it's pretty much a wash anyway. What is ultimately important is the net amount of tax you pay... so I try to remember that the refund isn't really like winning the lottery. But this year, although I wasn't expecting to get a big refund, I got none at…
  • Selling My Apartment, Part 2

    Madame X
    11 Feb 2015 | 6:00 am
    I found a very nice broker and we were immediately in agreement about the listing price for my apartment. It was more than what I'd agreed to with my friends, and left me some room to negotiate down a bit and pay a 6% fee and still come out with close to the same net. The broker took lovely photos, did a couple of open houses, and the offers rolled in, fast! I forget the sequence of all the various offers playing out-- we juggled around the various pros and cons of a few for several days-- there were some investors who offered a little low and didn't want to come up to match higher offers.
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    Lazy Man and Money

  • Is Jeunesse a Scam?

    Lazy Man
    22 May 2015 | 9:35 am
    Back in 2008, I asked if MonaVie was a scam and with over 6500 comments from readers I came to the conclusion that MonaVie was a scam. Specifically, I showed that "MonaVie is a grossly overpriced product, with little nutritional value, wrapped in a poor business opportunity that appears to be illegal pyramid scheme, supported by nonsensical 'scientific' studies and illegal medical claims." In years of research it was one of the top 5 scams I've encountered. As pyramid schemes are known to do, MonaVie collapsed as shown by Google Trends. At its peak it claimed to be doing a billion dollars a…
  • 10 Hacks to Speed Up Your Browser

    Lazy Man
    20 May 2015 | 7:00 am
    My laptop is getting had it's 2 year birthday a couple of months ago. It wasn't the fastest processor on the block to start with, but with the time it has gotten much, much slower. I've already written about How to Speed Up Your Computer, but after you take all those steps, what do you do? For me the answer was look at the browser. I've been using Firefox for years and years. When I got the new computer, I imported my Firefox profile so I'd have all my browsing history. I make extensive use of autocomplete in URLs, so that history is very useful to me. When your Firefox profile has 7-8 years…
  • Gold vs. Bitcoin – Who You Got?

    Lazy Man
    19 May 2015 | 8:15 am
    I saw that Miranda from Planting Money Seeds wrote about how gold was killing her investment portfolio. I had a little chuckle because years ago I asked if gold is just yellow metal. I think I'm in a minority who just don't understand the value of gold. I really hadn't thought about gold as investment in quite some time. However in thinking about it now, I realized a good way to explain how I feel. Hello bitcoin! It seems like a majority of people I talk to laugh at bitcoin. Some even call it a ponzi scheme waiting to collapse. I don't have a single friend who owns a single bitcoin... or even…
  • Kill Your Cable Box (DVR) Monthly Fees!

    Lazy Man
    18 May 2015 | 9:45 am
    For the last 3.5 years I haven't paid the cable company a penny in rental fees for a cable boxes. I didn't sacrifice any features I use and actually gained quite a few. Most people pay around $8/mo. for a dumb box (no DVR) or $16/mo. for (limited) DVR storage. I was one of those paying $16/month before I switched to my new system. It has saved me more than $650 over that time. I'm going to tell you how you can do the same. However first, a little back story. The Quest for Cable Box Freedom A few years ago, I realized that I have been renting cable boxes for 7-8 years... and television…
  • Who Wants In on the DRAFTApp Private Beta?

    Lazy Man
    14 May 2015 | 8:30 am
    This post is part of the #IwantDRAFT campaign with support from DRAFT, the app that uses crowdsourced data to help you understand and compare your portfolio, in partnership with Kasai Media. As always, the words and opinions, are mine and mine alone. When I lived in Silicon Valley, I was fortunate enough to attend Finovate, a conference of financial companies, most of them very small start-ups. Companies like Mint and Lending Club cut their teeth there. I like to call that time in 2008 the Golden Age of consumer financial applications. As the years went on, companies seemed to put their focus…
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    Free From Broke

  • Why You Absolutely Must Pay Attention to Investing Fees

    Glen Craig
    13 May 2015 | 3:53 am
    It doesn’t seem like much. A 2% management fee for a managed fund. A $9.95 transaction fee when you make a stock trade. There is no getting around fees in the investing world. You’re going to pay them at some point. However, you can reduce what you pay in fees — and you should. You might be surprised to discover how much money you are wasting, and the long-term impact it can have on your real investment returns. Why You Absolutely Must Pay Attention to Investing Fees Piling on the Fees At first glance, your fees probably don’t seem like a big deal. However, once you start looking…
  • Where’s My Tax Refund? How to Check the Status of Your Tax Refund

    Miranda
    7 May 2015 | 7:53 am
    When you are expecting a tax refund, it is normal to file a little bit early. The very next thing you say once you file is “where’s my refund?”  We can’t wait to get that money owed to us. Indeed, many people have already received their tax refunds. When you get refunded depends on two main factors: How you filed (mail or e-file) How you receive your refund (paper check or direct deposit) If you mail in your tax return and opt to receive your refund in the form of a check from the United States Treasury, it can take as long as two months or more to see your tax…
  • This is Why Your House Isn’t Selling – Here’s How to Finally Get Your House Sold

    Glen Craig
    5 May 2015 | 5:27 am
    You’ve had your house on the market for a while now and you’re asking yourself “why isn’t my house selling?” People sniff around but no one is biting.  What’s going on?!? Yes, the market may have a lot to do with it but houses do sell so there’s probably more than the market at play here. Keep reading and you just might see why your house isn’t selling so you can finally get your house sold. 11 Reasons Why Your House Isn’t Selling and How to Finally Get Your House Sold 1. You’re Charging Too Much I know you think your house is…
  • Don’t Go Broke Celebrating Mother’s Day – 7 Frugal Ideas

    Glen Craig
    23 Apr 2015 | 5:31 am
    Mother’s Day is quickly approaching!  It’s easily a day you can go crazy taking care of the moms in your life.  And by going crazy I mean spending gobs of cash. It’s hard enough trying to figure out what mothers want for Mother’s Day.  Paying for it gets even trickier. That’s not good. But there are ways you can be frugal for Mother’s Day!  Keep reading and you’ll see some easy ways you can celebrate mom and be frugal as well.  You might even get extra points with mom for creating something on your own that was heartfelt. Here Are Some Frugal…
  • Free Tax Day Snacks, Giveaways and Deals 2015

    Melissa
    15 Apr 2015 | 3:13 am
    You got all your forms and receipts together to tackle your taxes. Did you file everything yet in or are you still procrastinating? If you are really one of those last minute folks then you better make sure your return is in either electronically by day’s end or post-marked by the end of the day on April 15th (expect the post office to be crowded). To help everyone get over the tax-day malaise, there are a number of stores that are offering up free tax day snacks, giveaways, and deals. These companies are helping ease your tax woes: Boston Market – Get one individual meal and…
 
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    Blogging Away Debt

  • Cruise 2016 Update

    Ashley
    25 May 2015 | 6:00 am
    Remember when I first told you all about my plan to set sail in February 2016 on a cruise with my family in celebration of my Mom’s 60th birthday? Well I’ve got some updates…. Initially, the plan was for this cruise to be a 100% surprise for my Mom. The entire family was in on it and the loose plan was for my stepdad to tell my Mom that he was going to take her on a trip (she would surely assume they were going to San Antonio, as they regularly do), and then drive down to Galveston where the cruise ships dock. The rest of us would surprise her there on the dock. HAPPY BIRTHDAY,…
  • Cheap Mother-in-law Birthday Gift

    Ashley
    21 May 2015 | 6:00 am
    In keeping with the cheap gift ideas of late, here’s another one to add to the mix. My mother-in-law’s birthday was last Thursday. She’s actually flying into town today for the long weekend (yay!), so we’ll be taking her out to dinner one night while she’s here. But we also wanted to do something on her actual birthday, so I had the girls make another super cheap craft that we mailed to her last week. This was actually an idea I saw when I was in Michael’s craft store for something totally unrelated. This was right before Mother’s Day and they had a…
  • An Update on our School Plan

    Hope
    20 May 2015 | 9:00 am
    My homeschooling seems to rub lots of people the wrong way, especially those that have no personal experience with it.  And earlier this year, I wrote about how the cost of our co op really had me re-thinking my plans.  So I wanted to give everyone an update from both a schooling and financial update on this topic. First, as I have kind of mentioned around, I am happy to announce that I will be teaching two classes at our local homeschool co op.  And currently the classes are almost half full – yeah!  They are both high school classes for high school credit and each student pays…
  • Starting to Review the Next Step

    Hope
    20 May 2015 | 3:00 am
    Within 8 weeks of this post, I will be consumer debt free.  I will also have saved approximately $5,000 from new jobs, odd jobs and selling a few odds and ends here and there over the last few months.  Now I have to plan the next step. If I kept going at the rate I’m going with no other changes, paying $2,400 per month towards debt, my student loan debt would be wiped out by the fall of next year.  Isn’t that amazing! However, we are going to need a car especially by September when school starts back, not to mention the idea of traveling in our sardine can is starting to give…
  • Weekly Debt Update #15- One More Paid Off and Support Groups

    Matt
    19 May 2015 | 11:20 am
    Sorry for the late posting today, but it’s been a very busy couple of days at home- lots to do now that the weather has turned for good! I’ll start this post with a debt update because I have some wonderful news to share- I paid off Sallie Mae 05!! That’s right- gone!! Another one bites the dust, lol. So here’s what the numbers look like now: Loan NameInterest RateOriginal Balance- May '09Current BalanceTotal Paid Off+/- Since Last Week Sallie Mae 015.25$27,837.24$23,985.23$3,852.01$0.00 Sallie Mae 024.75$22,197.02$18,820.44$3,376.58$0.00 Sallie Mae…
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    Clever Dude Personal Finance & Money

  • I’m Not Going Grocery Shopping This Week: The Meal Plan

    Brock
    25 May 2015 | 5:55 am
    Image courtesy of Stuart Miles at FreeDigitalPhotos.net I mentioned last week that the stockpile of food at our home had reached an all time high, and something had to be done. This week I’m challenging myself to make meals for my family using the items we already have within out home, the only exceptions being dairy, and fresh produce. Over the weekend my wife and I did our meal planning by looking in the cupboards, refrigerator, and freezer. Here’s our meal plan for the week: Breakfast We don’t plan specific items for breakfast, but we determined we have an ample supply of…
  • Costco vs Sam’s Club – Why Not Both?

    Brock
    22 May 2015 | 4:56 am
    Image courtesy of Stuart Miles at FreeDigitalPhotos.net I renewed my executive Costco membership in April. We buy as many food and household products as we can there to make the most of the 2% cash back rewards program.   As a freelance writer I technically own my own business so I also have the business American Express which earns me additional cash back rewards. Since I’m invested heavily in maximizing my Costco membership, one would think that I would have no use for a Sam’s Club membership.   One could think that, but that would be an incorrect assumption because over the weekend…
  • Use It Up Challege: I’m Not Going Grocery Shopping Next Week

    Brock
    20 May 2015 | 5:51 am
    Image courtesy of patpitchaya at FreeDigitalPhotos.net I pride myself on my meal planning and grocery shopping efficiency. I used to laugh at the emptiness of the cupboards and the refrigerator as the end of the week, but we always had food for every meal. It was purposeful, it was concise, and it worked. Somewhere along the way, we got off track a little bit. I think it started when I decided to start buying a few extra items to give us a extra meal choices each week. Add to that the fact that we’ve been eating out a little more frequently over the last few months and the result has…
  • 5 Things Startup Businesses Should Consider

    James
    19 May 2015 | 11:10 am
    Creating your business is a big, bold step, and one that needs careful consideration. It’s worth looking before you leap, and this means finding out exactly what you need to know before you need to know it. Here are five things worth looking into before you open your doors. 1. Are You Experienced (and Qualified)? Just because you’ve worked in the business you’re starting doesn’t necessarily mean you’re qualified to start it. And if you’re breaking into a new business you’ve never worked in before, it can be worthwhile doing some proper research, as well as finding a mentor. A…
  • From Prevention to Compensation: How to Deal With Three Common Injuries

    James
    18 May 2015 | 4:57 pm
    Knowing how to deal with physical injuries is not always easy, especially if you consider that they always happen unexpectedly. Physical injuries can be a result of countless different reasons, and although you can never be ready for them, it is by all means useful to try to prevent for the most common ones and know how to deal with them – even from an economical point of view. So here are are three common areas of physical injuries for American citizens and our recommended ways to prevent and deal with them. Falls Domestic falls are the leading cause of unintentional home injury…
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    Don't Mess With Taxes

  • Memorial Day thanks for the ultimate military sacrifice Plus 10 tax benefits for U.S. military men and women still serving

    skbell1
    24 May 2015 | 10:10 pm
    Military casualties are the high price of freedom. Memorial Day commemorates those who paid this ultimate price. American Soldiers, American Wars by Beverly and Pack via Flickr Over the years more than 42 million American men and women have served their country in armed conflicts. More than a million died doing so. The Memorial Day Foundation, using Department of Defense statistics, has tallied the terrible cost of war since our country's first Revolutionary War battle to the latest troops lost in Operation New Dawn in Iraq. There are many ways to show respect for the men and women who…
  • F1 chief Bernie Ecclestone fighting UK over $1.6B tax bill

    skbell1
    24 May 2015 | 4:40 am
    It's here! The greatest day in motorsports. It starts early for Formula One fans in the United States. We set our alarm clocks to watch those multimillion dollar wheeled rockets maneuver the streets of magnificent Monte Carlo, Monaco. Click image to view Formula1.com's onboard camera capture of $155 million dollar man Lewis Hamilton's Monaco Grand Prix pole winning run. Midday the green flag drops on the Greatest Spectacle in Racing, the Indianapolis 500. Then late afternoon racing turns to night driving at Charlotte Motor Speedway in North Carolina, where NASCAR holds the…
  • Flooding and tornadoes as we head toward hurricane season

    skbell1
    24 May 2015 | 1:45 am
    Yeah, I know, I've already written not long ago about the crazy convergence of dangerous weather this time of year. I'm repeating myself because threatening weather is keeping me awake at 3 a.m. and I need a diversion. Thank you for letting me ramble as I await the next storm wave making its way through the region. I promise to add some helpful tips, too, in addition to my weather ranting. The next batch of heavy rain and wind is heading our way. Good for drought, but not for my nerves! Water, water everywhere: Weather reports like the one above have been going on since early last…
  • Gambling on lotteries and IRS phone call privacy

    skbell1
    23 May 2015 | 12:21 pm
    There were no winners last week in literal national lottery games or in a taxpayer's call to the Internal Revenue Service that turned out to be an unexpected gamble. Let's start with the lotteries, since there's a possibility that someone (maybe me!) could soon be a multimillionaire. Lottery prospects, taxes: The Powerball jackpot has climbed to $138 million $154 million, which translates to a lump sum payout of $86.3 million more than $96 million. The numbers will be drawn tonight Wednesday, May 27.* Another chance at a life of lottery-funded leisure comes on Tuesday, May 26,…
  • More Memorial Day weekend drivers, but lower gas prices Various state gasoline excise taxes, other fees, affect pump prices

    skbell1
    22 May 2015 | 11:04 am
    More than 37 million Americans are expected to hit the roads this Memorial Day weekend, the traditional start of summer and its associated vacation travel. AAA says the number of people taking a trip this long holiday weekend is expected to be the most for the holiday since 2005. The bulk of them, around 33 million, will be hitting U.S. highways. And while pump prices have surged in advance of the holiday -- the national average price of $2.71 for a gallon of unleaded gas is a nickel more than last week -- AAA says that price still is the lowest average for this date since 2009. Shopping…
 
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    Money Smart Life

  • Spending Money is Easy Because Saving Money is Hard

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

    Kevin Mercadante
    4 May 2015 | 6:04 am
    A lot of people wonder why they get passed over promotions – why the promotion always seems to go to someone else. Sometimes the reason is office politics. But most times it’s because most people coast at work. They do that – often unconsciously – because coasting at work is easy. But working for a promotion is hard – which is why most people avoid it at all costs. Generally speaking, when employers look to promote someone, they are looking for an impact person – that person who stands above the rest in making a difference in the organization. Unless you are that person, the…
  • Career Networking: Are You a Giver?

    Miranda
    1 May 2015 | 11:14 pm
    One of the things that always strikes me when I look for good advice on career networking is that a lot of the suggestions people make revolve around the idea that you need to be a giver first. This was also a theme I saw when helping put together a video about career networking using advice from attendees to the recent FinCon Expo in New Orleans. This got me thinking about the way I network for my career, and wondering whether or not I’m a giver. Why You Should Be a Giver First It’s tempting to go into a networking situation with the idea that you will look for people and ideas…
  • Being in Debt is Easy Because Getting Out of Debt is Hard

    Kevin Mercadante
    20 Apr 2015 | 7:01 am
    Have you ever wondered why so many people are in debt? Or maybe even why you’re in debt? It’s because being in debt is easy, and that’s because getting out of debt is hard. Despite all the advice from financial advisors telling people to get out of debt, many millions are still there. Why is it so hard to get out of debt? Saying NO to Yourself The basic reason why anyone is in debt is because they spend more money than they bring in. They make up the difference with debt, which gives the illusion that they can “afford” the lifestyle that they’re living. You can reverse that cycle…
  • The Five Most Expensive Traffic Violations

    Kevin Mercadante
    14 Apr 2015 | 8:04 am
    The cost of incurring a traffic violation has gotten much higher in recent years. Fines in many jurisdictions have doubled, tripled, or even more. Even worse – because they are recurring – are the insurance surcharges that apply after most violations. And at the extreme, some violations can even result in jail time. Here is a list of what are generally the most expensive traffic violations you can have, in no particular order: 1) Reckless Driving Reckless driving is a broad category, that can be defined differently from one jurisdiction to another. Generally speaking, it is driving in…
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    MoneyNing

  • How to Protect Your Personal and Financial Information

    Connie Mei
    25 May 2015 | 5:00 am
    For most of us, identify theft isn’t at the top of our minds, but it’s something that can happen to anyone. And if it does, it can really destroy your finances. When your personal information, such as a social security number or a bank account number, gets in the wrong hands, it can take years to reverse the damage done. Sadly, identify theft affects roughly 15 million Americans each year. In an age when we do almost everything online, our personal information is all too vulnerable. It’s becoming more and more important to keep it secure. Use these tips to help you protect…
  • 4 Reason to Teach Teens the Basics of Investing Now

    Travis Pizel
    24 May 2015 | 5:00 am
    My teenage son started his first part-time job a about two months ago. Earning $9.75 an hour, and working 25 hours week, results in some nice income for a teenager. I’m requiring him to save half his earnings to be used for purchasing his own car, or for use when he goes to college in a few years. I don’t want him to just deposit his money into a savings account, however. I really want to use the income from his first job as a tool to teach him about the world of investing. Here’s why it’s important to teach your teen about the basics of investing now. 1. Low Interest…
  • How We Save Over $1,080 on Our Internet Bill

    Ashley Eneriz
    23 May 2015 | 5:00 am
    There are many things we can sacrifice in order to save some extra money. New clothes, cable TV, and eating out at restaurants often frequent this list. But one of the expenses that’s always controversial is internet access. Most of us don’t count it as a need, yet it’s very important for doing every day things. Our family is one of those who feels that internet access is a bill we need to pay. Here’s how we save over $30 a month on our internet bill. Don’t Get the Package Deal We are constantly bombarded by promotions and offers from our Internet company claiming we…
  • Don’t Think You Can Afford Pricey Fitness Studios? Try These 3 Tips

    Jessica Sommerfield
    22 May 2015 | 5:00 am
      To me, fitness studios have always seemed like the elite club of fitness venues, featuring small classes, professional instructors, and an exclusive feel. They’re also notoriously pricey, running around $40 per session — more than the price per month at some big-box gyms! In spite of their expense, fitness studios hold great appeal to people who enjoy the motivation and interaction of a classroom setting, the challenge of a new discipline — such as yoga, Pilates, or spinning — and protection from any creepers who frequent the gym. If your fitness needs are best…
  • How to Create a Hassle-Free Budget Plan for Tracking Expenses

    Emily Guy Birken
    21 May 2015 | 5:00 am
    Nearly every financial guru tells potential budgeters to start their financial management with a simple (but not easy) task: track every single penny. For some individuals, this is a relatively easy task. It’s just a matter of building financial tracking into their routine. But for most people, tracking expenses is often very difficult. Thankfully, between modern technology and creative budgeting solutions, there are options for tracking expenses that won’t leave you feeling overwhelmed. Here are three ways to keep you finances in check without driving stressing yourself out. 1. Use…
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    Money Blue Book

  • The idiot's guide to saving for retirement

    14 May 2015 | 2:49 pm
    Early in April, 2015, a British doctor revealed results from years of medical research around the globe. People, he concludes, who are overweight (but not obese) live longer that those with a body mass index in the normal range. I immediately went on Facebook to complain. My personal retirement stra [...]
  • The idiot's guide to saving for retirement

    14 May 2015 | 2:18 pm
    Early in April, 2015, a British doctor revealed results from years of medical research around the globe. People, he concludes, who are overweight (but not obese) live longer that those with a body mass index in the normal range. I immediately went on Facebook to complain. My personal retirement stra [...]
  • How to fix a broken savings strategy

    3 Apr 2015 | 1:36 pm
    The only thing that stands between me and my being a good saver is my inability to differentiate between things I want and things I need. Show me something that it would be nice to have, and I'll show you the spectacular display of mental gymnastics necessary to turn that object of desire into a nec [...]
  • Traveling abroad? Know these 5 credit card facts

    20 Mar 2015 | 5:22 pm
    Do you believe that 41.8 percent of adult Americans failed to take a single vacation day in 2014? And that another 16.1 percent took fewer than five? Those figures, which comes to you courtesy of the Skift travel website, are derived from an online survey with a sample base of 1,500, so they're hard [...]
  • Easy and cheap ways to boost your home's value

    30 Jan 2015 | 6:13 pm
    Regular readers may be shocked by my grubby little secret: I can waste hours online reading about, looking at floor plans and pictures of, and fantasizing over other people's very expensive homes. What do I get out of this? Some of my motivations may be shameful, and driven by insecurities about my [...]
 
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    The Dough Roller

  • An Awesome (and Free) Investment Tracking Spreadsheet

    Rob Berger
    23 May 2015 | 12:17 pm
    There are a lot of tools out there to track your investments. One of my favorites is Personal Capital. It offers a free online financial dashboard that automatically tracks your investments and your spending. Today I have another option for you–a free spreadsheet that tracks your investments and tells you when it’s time to rebalance your portfolio. I have to give a BIG thank you to a reader named Dan. He built this spreadsheet and shared it with me weeks ago. With his permission, I’ve created a copy and am sharing it with you today. Thanks, Dan! The Spreadsheet To start, you…
  • How Advisors Kill Your Retirement Like The Walking Dead

    Rob Berger
    21 May 2015 | 7:25 am
    Several friends have recently contacted me about their retirement accounts. They are planning to retire and want to rollover their 401k to an IRA. So far, so good. While they managed their 401k for decades, however, they are uncomfortable managing the rollover IRA. The combination of a lot of money to manage and the consequences if they get it wrong makes them squeamish about investing on their own during their golden years. So they wanted my view on the cost of hiring an investment advisor. The costs ranged from 1.5% to 2.0% of assets under management (called AUM in the business). Are these…
  • Interview with Green Dot’s Founder and CEO, Steven Streit

    Rob Berger
    19 May 2015 | 12:40 pm
    A listener to the Dough Roller Money Podcast recently emailed me about online security. He wanted to know whether our online financial lives—think banking, investing, credit cards, and the like—are safe. And what happens if a hacker does manage to compromise are accounts? Are just out of luck? To begin answering this question, I interviewed Steve Streit. He is the founder and CEO of Green Dot. While many know Green Dot as a prepaid company, it’s also a bank. In 2011 Green Dot became a bank holding company. As such, Steve can speak to both the prepaid card space and the banking vertical.
  • This Mom Created a 5-Figure eBay Business in Her Spare Time

    Rob Berger
    14 May 2015 | 8:30 am
    Over the last decade, motivated individuals have invented plenty of creative ways to make money on the internet. One of the most popular strategies involves the online auction site, eBay. All over the web, you can find countless examples of people who have used eBay to build fortunes and even long-term sustainable businesses.   Many people even use eBay as a platform to create a full-time job that lets them quit their day jobs, once and for all. I recently had the opportunity to interview one such woman. Julia is a wife and mom who created a five figure eBay business working in her spare…
  • 10 Personal Finance Myths Busted

    Rob Berger
    11 May 2015 | 6:00 am
    Hell, there are no rules here – we’re trying to accomplish something–Thomas Edison If you spend any time reading about personal finance, you’ve no doubt encountered a ton of rules. Whether it’s that credit cards are evil or that school loans are ‘good’ debt, these rules all have their place. A problem arises, however, if you view these rules as inviolable. They’re not, and believing that they are can lead you down the wrong path. Here are 10 of my favorite personal finance rules that are often meant to be broken: 1. You need a budget: No you…
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    Hustler Money Blog

  • Chase Ink Plus Business Card Review 2015: Earn 60,000 Bonus Points- that’s $750 Towards Travel Rewards

    Hu$tler
    24 May 2015 | 2:02 am
    This limited-time offer ends Monday, May 25th. Read all about the Ink Plus® Business Credit Card Review 2015 Edition. You can easily earn 60,000 bonus points after you spend $5,000 in the first 3 months from account opening. That’s $750 toward travel when you redeem through Chase Ultimate Rewards. Ink Plus® Business Credit Card Review 2015 The Ink Plus® Business Card offers 60,000 bonus points after you spend $5,000 in the first 3 months from account opening- that’s $750 towards travel rewards. With Ink Plus, you have the cash flow flexibility with the choice to pay over time…
  • Chase Ink Cash Business Card Review- $300 Cash Back Bonus and No Annual Fee

    Hu$tler
    22 May 2015 | 5:06 pm
    This limited-time offer ends Monday, May 25th. The highest cash back I’ve seen for Chase Ink Cash® Business Card! There are a plethora of business credit cards out there, however the Chase Ink Cash® Business Card offers some of the best rewards with $300 cash back signup bonus, no annual fee, and a superb rewards program. 2015 Chase Ink Cash Business Review Ink Cash® Business Card offers $300 cash back after you spend $3,000 in the first 3 months from account opening – one of the largest cash amounts ever offered for a business credit card. You receive 5% cash back on the first…
  • eBay Discounted Gift Card Deals, Offers, & Promotions

    Hu$tler
    22 May 2015 | 7:22 am
    Buying gift cards for stores that you normally go to can save you a lot of money especially you can get them at a discounted of up to 20% Off. At the moment, there are many gift card deals on eBay from stores such as iTunes, Hyatt, Sears, Cabela’s and more. To save more money, you may want to register for eBay bucks to get 2% cash back extra on everything you buy on eBay. Also, you may want to pay it using a Discover It Miles or Citi Double Cash to earn 2%/3% cash back! eBay Gift Card Deals, Offers, & Promotions: $200 Hyatt Gift Card for $175 – Limit of 2 per account $100…
  • Banana Republic Coupons, Discounts, and Promo Codes: Save Up To 70%

    Hu$tler
    22 May 2015 | 7:01 am
    Find all the best Coupons, Discounts, and Promotion Codes to save up to 70% Off when shopping at BananaRepublic.com. Receive 40% off sitewide and receive 50% off the items found in the 50% off with code (Exp: 5/26): BRSUMMER Banana Republic – Men’s Sale Banana Republic – Women’s Sale Everyday FREE Shipping on $50! 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…
  • Uber Capital One Credit Debit Card $60 Free Ride Credit

    Hu$tler
    22 May 2015 | 6:29 am
    If you have been using Uber car service, you know how great and convenience it can be with their Uber app. With a few clicks on the Uber app, you get a private car to come pick you up exactly where you are. Even better now that Capital One and Uber are coming together to promote $60 Free Credit with offer code CAPITALONE along with 20% statement credit for Capital One Quicksilver cardmembers good through June 30, 2015. If you don’t have a Quicksilver card, any Capital One credit card or Capital One 360 debit card will work for the $60 free credit. However, only the Quicksilver will give…
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    Cash Money Life | Personal Finance, Investing, & Career

  • 10 Cheap Date Ideas – Save Money without Sacrificing Romance

    Ryan Guina
    22 May 2015 | 2:48 pm
    This article was originally published on Cash Money Life | Personal Finance, Investing, & Career at 10 Cheap Date Ideas – Save Money without Sacrificing Romance. I went to California this past week My wife and I are both frugal by nature. We just don’t spend a lot of money unless there it is planned or we have good reason. But that doesn’t mean we don’t like to have fun. All you need is a little creativity to have a good time. 10 Cheap Date Ideas Surprise your special someone with a card – just because. Everyone gets cards for birthdays, Valentine’s…
  • How to File a Tax Extension

    Ryan Guina
    14 Apr 2015 | 1:51 pm
    This article was originally published on Cash Money Life | Personal Finance, Investing, & Career at How to File a Tax Extension. I still haven’t filed my taxes. I know, I’m running out of time. I don’t really have an excuse other than trying to do too many things at once. I should have time to finish my taxes this weekend, but for those of you looking to file for a free extension, you can still do that. The IRS allows tax payers to apply for an automatic 6 month extension to file their taxes. There is one big caveat though – if you owe money on your tax return, at…
  • How to Pay Off Your Student Loans So You Can Get On With Your Life

    Kevin Mercadante
    30 Mar 2015 | 12:40 pm
    This article was originally published on Cash Money Life | Personal Finance, Investing, & Career at How to Pay Off Your Student Loans So You Can Get On With Your Life. For an entire generation, student loan debt has become a crippling fact of life. Part of the problem is the sheer size of student loan debt. For the Class of 2013, average student loan debt is approaching $30,000 and about 70% of graduates are carrying them. How can you pay off your student loans so you can get on with your life? Here are some strategies to help you do just that.   Public Service Loan Forgiveness…
  • TradeKing Promotions – Best Promo Ever – $200 Cash Bonus, or Get $1,000 in Commission Free Trades!

    Ryan Guina
    20 Mar 2015 | 6:05 am
    This article was originally published on Cash Money Life | Personal Finance, Investing, & Career at TradeKing Promotions – Best Promo Ever – $200 Cash Bonus, or Get $1,000 in Commission Free Trades!. UPDATE: $200 New Account Bonus. Celebrate TradeKing’s 10-Year Anniversary – Receive a $200 cash bonus when you open a new TradeKing account between 3/20/2015, at 1am ET and expiring at 11:59pm ET on 5/31/2015. See below for more details, or click the promotion link to open an account. TradeKing is one of the leading online discount brokers, and they are well known for…
  • Should You Track Your Spending Manually?

    Miranda Marquit
    18 Mar 2015 | 12:41 pm
    This article was originally published on Cash Money Life | Personal Finance, Investing, & Career at Should You Track Your Spending Manually?. For many consumers, the rise of financial apps like Mint are exciting. These types of apps make it easy to track spending, and look for patterns. However, these types of apps that automatically track spending also tend to disconnect some consumers from their finances. While I understand that these types of financial apps work well for some people, it’s not really my thing. I’d much rather track my spending in a more active manner.
 
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    Grad Money Matters

  • Getting Your Finances In Order Before You Switch To Freelancing

    GMM
    21 May 2015 | 2:00 am
    Deciding to switch to full-time freelancing and/or focusing on your business full-time is very exciting.Before you actually make that leap, you should try to get your finances in order before you switch to working for yourself.I understand that in all cases you may not be able to prepare financially for working for yourself (such as a layoff), but if you can prepare then it is usually best to do so.Here are four things you should do before making the switch from your day job to becoming a full-time frelancer.1. Build up your emergency fund.Entering the world of freelancing without an…
  • Can You Use Your Love Of Sailing To Start A Business?

    GMM
    18 May 2015 | 8:07 am
    It’s only human nature to want to follow our passions, and seeing as we spend a lot of our time working, if we can match our career with our hobbies, it can significantly improve our outlook on life. If you love all things marine, and want to start your own business, there are a surprising amount of options for any keen sailor. Just take a look at some of these suggestions, and become your own boss at sea!Working From Home On Your Own Sail BoatThis may be more feasible than you realise. When you can work from home, all you need is a laptop and an internet connection for most things. Take an…
  • Starting a Dog Walking Business

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

    GMM
    13 May 2015 | 2:00 am
    Interviews can be a stressful process. Even if you are great at interviews and/or if you think you are perfect for the job, you may still not actually be receiving any job offers.So, what do you do when this happens?You need to start setting yourself apart from everyone else who is interviewing for the same positions as you are. If everyone is very similar, then little (or sometimes big) things can go a long way and earn you the job. You may have to start putting in more effort to land that job, but if you really want a job then it can be well worth it.Not giving your full effort when…
  • 5 Tips To Have Side Hustle Success

    GMM
    11 May 2015 | 2:00 am
    Side hustling can change your life. You can make money on the side of your day job that can help you reach your financial goals a little bit more quickly.You can pay off your student loans, start the business of your dreams on the side, go on a dream vacation, save up money to travel the world, pay off your credit card debt, save up for a home down payment, and more.It’s all up to you. It’s your time and your money.Related articles:Should You Look for a Part-Time Job Or Start a Side Hustle?Why You Need A Side HustleSide Hustle: Becoming an Event Planner5 Risks of RidesharingHow to…
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    Everybody Loves Your Money

  • 3 Top Tips to Skimp on Your Finances

    Me
    21 May 2015 | 10:35 am
    You could be Richard Branson or a tramp in a bin. No matter – if you don’t tighten your purse strings like Scrooge McDuck every once in a while, you’ll end up in a spiral of debt that will only grow larger as time goes by. Indeed, screeds of people fall into bankruptcy every week. And all they needed was a strict budget to stop themselves falling off the edge. It’s undeniably difficult to stay thrifty when you’re living on the breadline. But it can and should be done. So what can you do to skim a little bit of cash from the top of your outgoings? Know when to mail All you want to do…
  • 5 Ways to Make Your Money Grow

    Me
    20 May 2015 | 7:54 am
    You work hard to earn money and work even harder to keep ahold of it. But have you been actively looking for ways to make your money grow? If not, it might be time. Here are five tried and true ways to make your money grow. Mutual Funds/ETFs While mutual funds and ETFs are technically two different investments they do work in similar ways. In both cases you’re investing in a basket of assets that mimics a particular index. Rather investing in one stock and having all of your eggs in one basket these types of investments are diversified therefore mitigate your risk. I personally prefer…
  • How Being Unorganized Costs You Money

    Me
    17 May 2015 | 9:15 pm
    After three months of going back and forth we are finally moving. Over the past week Jamie and I have been going through each room in the house top to bottom. We don’t want to be stuck with two houses so we’ve made it a priority to declutter as much as possible and make our current house desirable to potential buyers. In doing this I’ve realized that we have a lot more stuff than I had thought. And the really bad thing is that most of this stuff is meaningless to us. At this point we’ve literally filled up at least ten trash bags full of stuff that’s not worth moving and we still…
  • How to Set Yourself Up for Financial Success in Your Twenties

    Me
    13 May 2015 | 8:58 am
    It’s hard to believe but my 20s are almost over. That’s right, I’ll be 30 next year. Financially speaking, there’s a lot that I did right in my twenties but there are also some things I wish I would have done better. I’m definitely grateful for where I am I but if I could’ve done it all over again here’s how I would set myself up for financial success in my 20s. Looked for High Paying Work Sooner In my early twenties I had very self-limiting beliefs on the amount of money I could earn. At that time earning $30,000 a year for the rest of my life sounded like a huge number. I come…
  • How to Set Yourself Up For Success with One Day a Week Planning

    Me
    10 May 2015 | 9:15 pm
    I’ve been feeling super busy throughout the week. Like I’m running on overdrive. Between working, dealing with an overly attached four year old, doing homework, and keeping up with household chores (which aren’t all the way kept up with, I might add) I hold my weekends as sacred. Over the past month the weather has drastically improved and I’ve escaped to the outdoors every single chance I’ve gotten. But by holding those weekends a little too sacred I’ve actually made my weeks a little harder. So the weekend before last after we got home from visiting family I decided to do…
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    CreditCards.com

  • Most people still don't save enough

    Kelly Dilworth
    22 May 2015 | 5:01 am
    If you frequently use your credit cards to pay for unforeseen expenses, you may want to take a closer look at your monthly budget. According to a study released Thursday, the inaugural output from the J.P. Morgan Chase Institute, many people endure significant fluctuations in their monthly income and expenses, but fail to adjust their monthly spending when their income temporarily recedes. As a result, they typically fall short when faced with unexpected expenses and have to borrow the money instead. "Getting a sense for one's bottom line requires a full accounting of not just consistent,…
  • 'Card-cracking' fraudsters target social media savvy millennials

    Sienna Kossman
    21 May 2015 | 6:00 am
    Social media outlets are meant for sharing selfies and status updates, but fraudsters are now using the popular platforms to convince young adults to share bank account and PIN numbers in a plot to skim money from banks. Using Facebook, Twitter and Instagram, scammers are soliciting individuals with schemes that promise quick cash if victims share their debit account information, PIN number or ATM card. It's an emerging scam known as "card cracking." Here's how it works: Once someone reads the message, falls for the scammer's financial promise and passes along his or her checking account…
  • Beware of overspending when shopping on your smartphone

    Kelly Dilworth
    15 May 2015 | 4:51 am
    Shopping on your smartphone may be more convenient than visiting a brick-and-mortar retailer, but it could also cause you to spend more than you would otherwise, according to a new study published in the Journal of Retailing. The study found that consumers who shop for groceries on their smartphones tend to shop more frequently once they become accustomed to using their phones for everyday purchases. They also tend to buy more overall. "Mobile devices provide convenience, which causes increased spending," wrote study authors Rebecca Jen-Hui Wang, Edward C. Malthouse and Lakshman Krishnamurthi…
  • Credit card debt takes toll on mental health

    Kelly Dilworth
    8 May 2015 | 4:24 am
    Carrying excess credit card debt isn't just bad for your credit score; it can also take a toll on your mental health, according to a new study published in the Journal of Family and Economic Issues. The study followed 8,500 individuals who took part in the National Survey of Families and Households in the late 1980s and early 1990s and found a significant link between credit card debt and symptoms of depression. According to the study, people who carried card debt were much more likely to report depressive symptoms, such as low self worth and hopelessness. Cardholders nearing retirement were…
  • 5 tips to cut wedding party costs

    Sienna Kossman
    7 May 2015 | 9:00 am
    Wedding season is here and your social media timelines are probably flooded with bridal updates and new engagement announcements spurred by the romantic fervor. Along with wedding season brings wedding costs -- even if you're only attending the wedding as a guest or the bridal party and not actually getting married. From travel to outfits and presents and more, if you aren't careful, your good friend or family member's special day could take a toll on your wallet. Here are 5 tips to help you save on wedding party expenses without being a cheapskate or worse, irritating the busy happy couple…
 
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    One Frugal Girl

  • Perspective

    One Frugal Girl
    22 May 2015 | 11:51 am
    I consider myself a lucky person. I typically focus on the positive over the negative and I wonder how that impacts my overall experiences in life. Do good things happen because I push aside the negative in favor of happy thoughts? Here’s an example: It took my husband and I two and a half years to conceive two children. The good news: we have two children. I believe my struggle with infertility makes me appreciate their existence that much more. Here’s another one: I suffered from not one but two fairly significant medical traumas over the past ten years. The good news: it could have…
  • Simply Annoyed

    One Frugal Girl
    18 May 2015 | 3:58 pm
    In just a few days my family will leave for our annual beach vacation. We take two major trips to the beach each year; one that marks the start of summer and one that marks the end of it. I’m in charge of figuring out everything we might need, packing it up and more often than not trekking it out the car. As my three year old is constantly growing I decided to order new pajamas for our trip. I walked into a children’s store and walked out with two new sets pajamas. For some silly reason I decided to search for a few similar sets online and noticed that the price was $4 less for…
  • Book Review: Lucky Strike

    One Frugal Girl
    15 May 2015 | 5:00 am
    Book Description: By the award winning author of ‘The Dogs of Winter’, Bobbie Pyron. A rich, southern voice tells the unforgettable story of two vulnerable outsiders, the lightning strike that turns their world upside down and the true meaning of lucky. Nate Harlow has never had a lucky day in his life. He’s never won a prize, he’s never been picked first, he’s never even won a coin toss. His best friend, Genesis Beam (aka Gen), believes in science and logic, and she doesn’t think for one second that there’s such a thing as luck, good or bad. But only…
  • Book Review: Going Against the Grain Italian Style: A Gluten-free Life Guide and Recipe Book

    One Frugal Girl
    12 May 2015 | 5:00 am
    Book Description: This two-part book is a vital adjunct to any home attempting to be gluten-free. The first part guides you through early diagnosis and is an essential guide for any beginner diagnosed with celiac disease or some form of gluten sensitivity. You will learn how to identify symptoms of the disease, how celiac disease is diagnosed, and the consequences if left untreated. It will help you to understand how to read labels and how to manage your gluten-free home in a shared environment. It outlines practical advice for parents of children with celiac disease as well as tips for…
  • A Mother’s Day Gift to Myself

    One Frugal Girl
    10 May 2015 | 2:42 pm
    My husband came home this week and told me his coworkers seemed stressed and annoyed with the expectations of Mother’s Day and the gifts they need to buy their wives. I’m not a fan of all the fluff and stuff associated with major holidays. A few years back a male coworker said “I don’t want to disappoint my wife, but I have no idea what to buy.” That seems like a lot of unwanted stress; a husband feeling stressed over his wife’s disappointment. I’m a fan of giving gifts and performing nice gestures at random times throughout the year. I’d give…
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    My Dollar Plan

  • Sallie Mae 5% MasterCard & $25 Sign Up Bonus

    Madison
    22 May 2015 | 6:29 am
    Last time I updated the quarterly 5% Rotating Cash Rewards Credit Cards MDP Reader Krial pointed out that the Sallie Mae card from Barclaycard was missing. Krial said: It has 5% gas, 5% groceries, and 5% bookstore (Amazon) year-round (with monthly caps). We tend to rack up more cash back on that card than any other single card, and there are no categories to juggle or sign-ups to remember. Ever so happy with it. Great addition Krial! It’s perfect for Free Money Friday! In addition to the 5% Krial mentions, the Sallie Mae MasterCard from Barclaycard also has a $25 sign up bonus. How to…
  • 22 Ways to Meet Spending Requirements for Sign Up Bonuses

    Madison
    21 May 2015 | 6:29 am
    After the big American Express Platinum 150,000 Point Sign Up Bonus when you spend $20,000 in 3 months, MDP reader Pete asked “But how do you spend $20,000 in three months?” Great question Pete! It’s obvious for a gigantic spending requirement like that we would all need some sort of plan to “spend” that much in three months. However, anytime you do an application spree or take advantage of a sign up bonus, like the Chase Ink Plus $600+ Sign Up Bonus, you need a way to hit the spending requirements. Here’s a list of how I meet credit card spending…
  • 4 Tips for a Great Summer Vacation

    Don
    20 May 2015 | 6:29 am
    Now that spring has arrived, many people are starting to look at booking their summer vacations. Before you book at that first place that looks good, here are a handful of tips that will help to ensure you have a great trip and also can help you keep your costs in line. Tips For A Great Summer Vacation Tips for a Great Summer Vacation Start Looking Well In Advance. Now is a great time to start looking for a place to go to this summer. The chances are you will have more options and can score a cheaper plane ticket when you book early. As you wait longer, resorts will start to fill up and you…
  • $750 + 240k Point Credit Card Application Spree

    Madison
    19 May 2015 | 6:29 am
    I recently finished another application spree! I usually try to plan 3-4 application sprees a year to take advantage of sign up bonuses. I sign up for a handful of my favorite credit card sign up bonuses at the same time. It’s not for everyone, and it has to be done very carefully; but if it’s done right, it can be a very lucrative way to make extra money! Here’s a breakdown of how much we earned on our most recent application sprees: $2,075, $1,720, $1,800, $2,000, $2,325 and $3,000. I’ve started keeping track of the sign up bonuses to add to our diversification of…
  • Use Paribus to Get Your Money Back Automatically

    Madison
    18 May 2015 | 6:29 am
    We all know when an item we purchased drops in price, we’re supposed to head back to the merchant and ask for a price adjustment. But if you are like me… it rarely gets done! Now there’s a new company, Paribus, that gets you your money back with almost no interaction on your part. I’m truly intrigued! As a consumer, I think this is brilliant. As an Amazon reseller who purchases a large volume of inventory, I think the potential to get money back is huge! How to Get Money from Paribus Open a new Paribus account. Link your email address. Paribus will detect purchases,…
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    My Financial Journey

  • Retirement Nestegg Report – April 2015

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

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

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

    MFJ
    1 Mar 2015 | 6:42 am
    Well another all-time high by a long shot this month. My nestegg increased by almost $39k this month! This was in part by crazy strong returns for the stock market and the fact that I also contributed $14k to my accounts this month. The big contributions were due to two reasons. First I received a very large federal tax refund which I decided to invest entirely in Tesla Motors stock in my taxable account. I know I need to adjust my allowances – I filled out my W-4 nearly 9 years ago when I started my job and I’ve had a handful of kids since then. I also received a portion of my…
  • Retirement Nestegg Report – January 2015

    MFJ
    2 Feb 2015 | 9:30 am
    Well another all-time high and I finally put some good distance between the SP500 and myself when it comes to peformance. Last year I trailed the SP500 by 2.5-3.5% and this month I made up a lot of that ground already. It’s earnings season and a number of my big stock holdings (Netflix, Amazon, Apple, Starbucks) had some great reports and good increases in stock prices this month. Let’s hope this trend continues into February. Taxable Account – $9,719.27 (+1.19%) Traditional Rollover IRA – $35,086.77 (-0.34%) My Roth IRA – $122,362.76 (+3.89%) Wife Roth IRA –…
 
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    bluntmoney.com

  • Jobs for 16 Year Olds (I Made $60k before Graduation)

    bluntmoney
    21 May 2015 | 2:45 pm
    Here’s my master list of jobs for 16 year olds. Enjoy making bank even before you graduate.   Jobs for 16 year olds You’re 16. There are tons of great things about trying to make money at this age:   Your expenses are covered by someone else (thanks, mom & dad) You have the time (school doesn’t take that much time – quit any stupid extracurricular’s that aren’t fun and/or helping your resume) You have health & energy to do a good job You’re young – this means you can easily get mentors who want to teach you their skills  …
  • How to Make Money (for Kids) Fast and Easy

    bluntmoney
    21 May 2015 | 10:28 am
    Hmmm… how to make money as a kid… I spent a lot of time thinking about how to make money as a kid. Now you don’t have to. In this post, I’m going to share tricks for how to make money (for kids). I think of myself as an authority on this subject. By the time I graduated college at age 21, I had earned $100,000 (click link for my story). Everything I’m about to share with you is practical and can all be started right away. These paths are for people who want to begin earning real money, really quickly. A lot of parents say, “School is you’re only…
  • Used Cars under 2000 Dollars: What to Buy

    bluntmoney
    20 May 2015 | 2:08 pm
    Finding used cars under 2000 dollars…. it’s easy! Let’s do this! What you want in a $2,000 car There’s a saying in the automotive world… “A car can be fast, cheap, or reliable – pick 2.” Since we’re talking about used cars under 2000 dollars, we’re going to have to forget about blazing speed. What we need right now is a car that’s cheap and obviously reliable. With speed out of the way, you can still get about everything you really want in a $2k car. You can get good MPG, room for passengers, A/C and heat, power steering,…
  • Farm Loan Calculator (No Fuss – Easy to Use!)

    bluntmoney
    20 May 2015 | 12:37 pm
    Finally! Easy to use farm loan calculators! The variety of calculators I’ve listed below should cover the needs of your farm and/or ranch operation. My family farms and these calculators do everything we need. A big bonus to using these is they enable us to get our work done quickly so we can get back outside doing the work we really love. Sitting in an office all day just isn’t for us. I realize I’m writing quite a lot right now. It rained 2 inches yesterday and we grow corn and soybeans. It’s planting season so it’s too wet to be in the field. So here I am…
  • Sell My Car Fast: An Easy Step-by-Step How To

    bluntmoney
    20 May 2015 | 11:53 am
    “How can I sell my car fast?” So you want to know how to sell your car fast. I know the feeling. I once had to sell my car fast and here’s what I learned. In about 3 minutes (the time it will take you to read this article) you’ll know how it’s done. Let’s get started: Step 1: Get the Car Presentable In a matter of hours even, the car will be with its new owner. It’s important to make the car ready for its transition. Get all your personal belongings from out of the car. Also, if you have anything aftermarket on the car you would like to keep (fancy…
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    Million Dollar Journey

  • How to Accumulate Serious Air Mile Points

    FrugalTrader
    25 May 2015 | 4:30 am
    I’ve never been much of an Air Miles collector, but lately, it’s been all the rage at the office. What are Air Miles?   Air Miles rewards program is a popular loyalty program in Canada.  A number of mainstream retailers like Sobeys/Lawtons, Metro, Irving, Staples, Rona and Old Navy, offer air miles points when making purchases – typically 1 mile for every $10-$20 spent.  In terms of rewards, the program offers travel, gifts and cash type rewards. From my initial research, redeeming points for flights offers the best value, but requires a significant points collection.
  • Getting Finances in Order, Annuities, Gardening, Dreading Taxes and more!

    FrugalTrader
    22 May 2015 | 4:30 am
    It is never late to get one’s financial affairs in order. This exercise gains prominence with a dependent family. The Retire Happy blog wrote about how to Get your finances in order. Debt freedom can be a big boost to long-term life plans including relocation, switching careers, retirement, etc. Young of Young and Thrifty explained her view through Why I am Paying Down My Mortgage More Aggressively. Preferred shares can seem to offer the best of two worlds: reliable income like bonds and favorable taxation like common stocks due to the dividend nature of the payouts. Canadian Couch…
  • 6 Important Tips When Buying Disability Insurance

    Guest Blogger
    18 May 2015 | 4:30 am
    We buy insurance to protect a lot of things: life, liability, health, vehicle, and home are only a few. But, what will you do if you get sick, or can’t work for an extended period? Disability insurance will replace your lost income from injury or an illness that lasts longer than 90-days, so it should be part of every one’s financial plan. Although most people don’t think bad things will happen to them, they do. So a good rule of thumb is to plan for the worst and hope for the best. This way you will be prepared and won’t suffer financial ruin in the event something does happen. The…
  • New TFSA Contribution Limit for 2015

    FrugalTrader
    11 May 2015 | 4:30 am
    This may be old news for those who follow Federal politics, but the Harper government has come through on their promise to raise the Tax Free Savings Account (TFSA) contribution limit. I consider the TFSA to be an extremely powerful tool for investors, perhaps even more so than an RRSP.  All investment gains within the account are not subject to tax and withdrawals from the TFSA do not affect the eligibility for seniors benefits.  If you have a large RRSP when you retire, withdrawals are taxable and count as income against seniors benefits.  This basically results in an additional tax on…
  • Net Worth Update May 2015 – Sean Cooper (+4.83%)

    Sean Cooper
    4 May 2015 | 4:30 am
    Welcome to the Million Dollar Journey May 2015 Net Worth Update – Team MDJ edition. A select group of readers were selected to be part of Team MDJ which was conceived after the million dollar net worth milestone was achieved in June 2014. Sean Cooper was selected as a team member and will post net worth updates on a regular basis. Here is more about Sean. Profile: Name: Sean Cooper Age: 29 Net Worth: $614,228 Day Job: Employed with a major global pension consulting firm. Family Income: $50,000 (full-time job), $18,600 (rental income before expenses), $40,000 (approximate freelance…
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    Bible Money Matters

  • When God Calls You Out

    Brian
    21 May 2015 | 4:30 am
    God uses his Word to call us out – more specifically, to call our behavior out. Too often, however, we are oblivious to what he is trying to teach us. The post When God Calls You Out appeared first on Bible Money Matters and was written by Brian. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • The Grow Your Dough Throwdown 2.0 May Update – Blogger Investing Challenge With Motif Investing

    Peter Anderson
    20 May 2015 | 11:27 am
    Earlier this year I announced I was going to be participating in a 1 year investing contest, the Grow Your Dough Throwdown 2.0. So how's it going so far? The post The Grow Your Dough Throwdown 2.0 May Update – Blogger Investing Challenge With Motif Investing appeared first on Bible Money Matters and was written by Peter Anderson. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • Ensuring Your Own Retirement Amidst A Looming Retirement Crisis

    Peter Anderson
    14 May 2015 | 10:56 am
    Our country has a looming retirement crisis. What can you do to ensure that you have enough saved, and your own retirement is secure? The post Ensuring Your Own Retirement Amidst A Looming Retirement Crisis appeared first on Bible Money Matters and was written by Peter Anderson. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • How To Create A Decorated Handprint Plate

    Peter Anderson
    12 May 2015 | 11:15 am
    For Mother's Day my son and I created a custom decorated handprint plate for my wife. Here's how you can make your own, including a list of materials to buy. The post How To Create A Decorated Handprint Plate appeared first on Bible Money Matters and was written by Peter Anderson. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • What Should A Grandparent’s Role Be Financially In Their Grandchild’s Life?

    Melissa
    11 May 2015 | 9:28 am
    If you’re a grandparent, do you financially spoil your grandkids? If so, does it cause any difficulties in your relationships? The post What Should A Grandparent’s Role Be Financially In Their Grandchild’s Life? appeared first on Bible Money Matters and was written by Melissa. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
 
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    Canadian Personal Finance Blog

  • Coach Money, CPP Up 18 pct, Losing $15B and #BestMoneyStories

    bigcajunman
    22 May 2015 | 5:33 am
    Tweet Thanks to the Blue team, getting a good coach in the NHL is going to cost a great deal more. Over $50 Million for 8 years? Hopefully he can get a Stanley Cup for 2017 (50th anniversary of the last Blue Team Cup victory). For all those other coaches out there, I guess “… a rising tide lifts all boats…”? Who will coach the Red Wings now? Paul MacLean going to come out of hiding? I do remember that the last Coaching Messiah was Pat Quinn, then there was Pat Burns, hmmm… well, good luck Mr. Babcock (and can you use an old Man Friday?). Wanted, dead or…
  • Debts are Like Weeds

    bigcajunman
    20 May 2015 | 4:15 am
    Tweet A short one for today Bloody Weeds Debts are so much like Weeds, removing them (one by one) seems like an insurmountable task, yet, if you go at it a little bit at a time, in a shorter period than you thought, they are all gone, but you have to stay diligent or they will continue to dominate everything. There is your lawn and finance tip for the day, if you want a fitness tip read Debt is Like Fat .   © bigcajunman for Canadian Personal Finance Blog, 2015. | Permalink | No comments ? Wow, c'mon this is worth commenting about | Smile Post tags: Debt Reduction Follow me on twitter…
  • The 10 Minute Rule with Money

    bigcajunman
    19 May 2015 | 4:49 am
    Tweet One of the better “time management” tricks I have run in to over the years, has been the 10 minute rule, where my interpretation of it is: If something takes 10 minutes or less to get done, do that first, and do the other stuff afterwards It has been useful for me, as I have a tendency to get “stuck” and be unable to select any task to complete, but now, I simply find the little tasks and start doing those (which then gets me going to work on larger tasks), but how can we carry out this in terms of personal finance? How Long Can 10 Minutes Be ? I guess the…
  • Starbucks, Monty Burns and #BestMoneyStories

    bigcajunman
    15 May 2015 | 5:26 am
    Tweet Looks like Starbucks payment app for “smart” phones, has fallen victim to hackers, where they are able to hack the app, to steal banking info and then attack the customers banking or payment accounts. I have been having issues with my Starbucks account, and noticed many attempts to re-load (which is associated with a lightly used credit card, so it is easy to see it happening), so I assume I am a victim of this as well.  Whatever has been trying this, has been unsuccessful as my credit card company simply refuses everything from Starbucks right now (not a bad response).
  • Financial First Date Questions

    bigcajunman
    13 May 2015 | 5:41 am
    Tweet Given my amazing relationship skills (yes, like my investing, blind luck can be passed off as a skill), I figured I’d help out some folks with a set of useful questions that you can ask on your first date to find out if that person is compatible with you (or not), and has no Financial Skeletons in the Closet. I actually stole the concept from Reddit, but I have put a very financial spin on things, and please add your own questions in the comments, if I miss any good ones. Some Say Relationships are like a Rubik’s Cube How many credit cards do you have in your wallet? How…
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    Early Retirement Extreme

  • Dealing with heat waves on a budget

    Jacob
    25 May 2015 | 6:33 am
    In the summer of 2003 I lived in Switzerland during one of the hottest months on record. In Europe a total of 35,000 people, mostly elderly, died due to the heat. The heat wave lasted about 3 weeks reaching temperatures over 100F (40C) affecting people who were completely unprepared to deal with this environmental change. I remember the heat was mostly very humid due to thunderstorms every 3-4 days after which the rain water would evaporate. Being a grad student I took to working mostly during the afternoon, evening, and night, going to sleep around 3am, finally being able to sleep around 5am…
  • Kantian morals and early retirement

    Jacob
    24 May 2015 | 6:29 pm
    I have demonstrated, in theory and in practice, that it is possible to become financially independent in about half a decade if one so chooses. All it requires is a 75% savings rate and a median income job. Now, for some reasons, which I can not really figure out, this idea is occasionally challenged by people who argue their case using what appears to be Kant’s categorical imperative. The categorical imperative is essentially a test of what would happen if everybody did it. For example: Suppose I’d like to go around shooting people, the test is then is if I can accept this…
  • You are not irreplaceable

    Jacob
    24 May 2015 | 6:25 am
    According to google I am now the second highest ranked authority on extreme early retirement. I suppose this comes about because I have a “google ranking” of 4 which again comes about because I have yet to bother with monetizing this site as it would require advertising it in the local paper for 4 weeks to get a DBA from the county and therefore I have not lost any google juice selling links. Now according to Spiderman with great powers comes great responsibility. This, in one form or another, is something that it is being hammered into our minds, at least in jobs that are defined…
  • Incomplete list of hobbies that could earn money

    Jacob
    23 May 2015 | 6:19 pm
    In the past I have mentioned the importance of selecting hobbies, activities really, in such a way that they do not cost you money, rather they should be free or at best actually make you money. Disclaimer: Yes, I know that my two sports (inline hockey and shinkendo) cost me money and thus are not in accordance with what I preach. These are recent additions though. I don’t know about you, but pretty much anything I get my brain on eventually turns interesting once I learn enough, so having had a hobby for a long time or thinking that something new is not or less interesting is no excuse…
  • Protecting the RV against rain

    Jacob
    23 May 2015 | 6:16 am
    Living in an RV I hate rain. I do not know if this is the case for all RVs, but our RV has a rubber roof, which forms a tight skin much like a drum. Now imagine like inside a drum when it rains on it. Fortunately, it only rains a couple of weeks a year, that is, fortunately for us; it is not so fortunate for the agriculture of California. The second problem is that our roof is old. It should probably be replaced. However, this would cost several thousand dollars. This is a steep price to pay, when we are parked in a place with so little rain. Still, I don’t want to repeat lasts years…
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    2million's Personal Finance Blog

  • April 2015 Net Worth Update (+$16,009)

    2million
    3 May 2015 | 1:50 pm
    Highlights for AprilWe have earned approx $3,400 (in gift cards, points, and miles) through credit card signup bonuses in the part year. We are actively working on 2 additional bonuses including the Delta Amex Card for 50,000 Skymiles & Barclay Travel Plus Card for $400 in travel credit.Our properties are listed on our balance sheet based on their cost basis, not current market value. We have done this during the the real estate market highs and lows. I believe real estate is too illiquid to list based on recent sale transactions. April's focus has been on the rentals as 2 of our tenants have…
  • Financial Freedom Plan - 2015 Update

    2million
    30 Apr 2015 | 6:13 pm
    I finally sat down to get an updated view of our progress towards our financial freedom plan that I laid out a few years go in terms of asset allocation. Some notes: Our asset allocation to fixed income (interest) will continue to be a gap for us while government drive the low interest rate environment. No sense in putting assets to work here as generally the return is not worth the risk in my opinion. If interest rates normalize well likely shift focus to here.Our invest-able cash flow focus has been on paying down the rental mortgages over the past couple years, but that has not kept pace…
  • March 2015 Net Worth Update (+$5,216)

    2million
    13 Apr 2015 | 2:18 pm
    Highlights for MarchWe have earned approx $3,000 (in gift cards, points, and miles) through credit card signup bonuses in the part year. The last one I did in January and Im actively looking for some additional bonus opportunities.Our properties are listed on our balance sheet based on their cost basis, not current market value. We have done this during the the real estate market highs and lows. I believe real estate is too illiquid to list based on recent sale transactions. We booked a beach condo rental @ Myrtle Beach for $950 for a week in June. We normally try to take a beach vacation in…
  • February 2015 Net Worth Update (+$44,489)

    2million
    8 Mar 2015 | 8:46 am
    Highlights for FebruaryWe have earned approx $3,000 (in gift cards, points, and miles) through 6 credit card signup bonuses last year. Our credit scores are still hovering around 800, but since we have no plans to utilize our credit for other financing anytime soon, we are making a little money off our credit scores by taking advantage of these promotional opportunities.We are not spending extra, but focusing our spending on these new cards to earn the bonuses. Our properties are listed on our balance sheet based on their cost basis, not current market value. We have done this during the the…
  • January 2015 Net Worth Update (-$20,867)

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

  • How To Play The Texting Game During The Dating Process

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

    admin
    6 May 2015 | 7:34 pm
    There are a lot of reasons why people choose to start their own business. However, when you talk to business owners, they usually have one thing in common. They value their independence. They appreciate the ability that owning their own business provides them when it comes to setting their schedule, choosing who they work with, and being able to enjoy the rewards that come from doing their own hard work. And while independents brings its benefits, in the world of business independence can also sometimes be a challenge. One area where independence can be challenging is in the realm of…
  • 5 Tips for Succeeding in Business

    admin
    24 Apr 2015 | 7:44 pm
    Are you looking to make an impression in the business world? Or maybe you just have a great idea and are eager to share it with consumers. Whatever your reasons for starting your own brand, here are just five tips to help you achieve the fame and fortune you’ve always wanted. Know Thyself What are your strengths and weaknesses? What do you think will be your single greatest obstacle to success? Be honest with yourself in these self-evaluations. No one is watching. You don’t have to impress a job interviewer. The goal is to seriously understand where you might fail in your future…
  • Need a Lawyer?

    admin
    1 Apr 2015 | 4:25 pm
    All people hope they will be able to go through their lives without the need to hire a lawyer to represent them in a protracted legal battle. However, these situations occasionally present themselves. When you encounter a point in your life when legal action is the only way to get the compensation you deserve, it is important to hire the right lawyer for the job. This process is not as simple as picking up the phone book and calling the first name you see listed under attorneys. If you have that sort of cavalier attitude when it comes to selecting workmans comp lawyers, you will be doing…
  • Three Things To Look For In A Corporate Sign Company

    admin
    29 Mar 2015 | 7:22 pm
    These days, many business owners have realized that they need to enhance and optimize their advertising campaign. If this is the case for you, you may have realized that adding professional signs to your marketing campaign can help you attain the visibility and conversion rates you desire. To ensure that you find the perfect company from which to purchase your signs, be sure to look for the following characteristics in the business: 1. Industry Experience. When it comes to buying corporate signs, one of the first things you want to look for in the company is industry experience. Organizations…
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    FIRE Finance

  • Happy Mother's Day

    10 May 2015 | 12:21 am
    May 10, 2015: We wish you a warm and happy Mother's Day. It's a fantastic day to acknowledge the celebration of motherhood and selfless contributions of mothers to our birth, growth and development. We all know that our moms do a thankless job. So let us seize this opportunity to thank them wholeheartedly. We also express gratitude to Anna Marie Jarvis (1864-1948), who, following the death of Click on the post title to continue reading .....
  • Happy Valentine's Day

    14 Feb 2015 | 12:12 am
    Feb 14, 2015: We wish you a wonderful Valentine's Day :). Hope you have great fun and some treasured moments to cherish for a lifetime. Here is our ode to St. Valentine: One legend says, while awaiting his execution, Valentinus restored the sight of his jailer's blind daughter. Another legend says, on the eve of his death, he penned a farewell note to the jailer's daughter, signing it, "From your Click on the post title to continue reading .....
  • 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 .....
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    How I Save Money.net

  • Money Update: May 2015 Week 4

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

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

    Lulu
    15 May 2015 | 9:51 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: $38.13 for gas and I was almost on empty. The last time I bought gas was at the beginning of March, so I went over a month without needing to fill up. I spent $54.41 on food and $19.53 on household…
  • How To Save Money At Target

    Lulu
    5 May 2015 | 11:03 pm
    I don’t shop at Target much because it is simply not close to where I live any more. I have to make a special trip since I don’t really like driving…but it is always worth it when I do end up going. I do like to find ways to save money, whether it be from using coupons or buying off the clearance racks when possible. I did not know there were so many different ways to save money at Target..but after reading the featured post for today I think I may have to include that store in a few more shopping trips. Over at The Penny Hoarder, you can read Forget Target Coupons: These…
  • The Benefit Of Using A Credit Card To Pay My Rent

    Lulu
    3 May 2015 | 7:27 pm
    Most  of you know by now that I try to use my credit card to pay for all purchases. This extends to using the credit card to pay my rent! In fact although it is free for me to use the card now, even with a fee there was a benefit of using a credit card to pay my rent. I currently use a credit card that gives me 2% cash back on paying my rent. I get 1% as soon as I make the purchase and then get the other 1% when I make the payment. I have a system where I am paying my cards now every two weeks because the payments are processed electronically so I do not fear having a late payment with two…
 
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    Funny about Money

  • DUCK-Duck saves Day from Hell (almost)

    funny
    24 May 2015 | 5:25 pm
    Well. She tried. Until a fly fell into the last few drops of cheap red wine we were self-medicating with. She’s so, soo cute. Come 4:30 in the afternoon, she dropped into the pool (like a fly into a puddle of wine, only DUCK-Duck can swim). Ruby and Cassie the Corgis went bat-sh!t, of course. Cassie has been distracted by Ball but Ruby is still running around in circles. Anxious. A very anxious little dog. DUCK-Duck is a calm bird. Nothing seems to faze her, not even very anxious little dogs. Evidently realizes that the VALD can’t get through the fencing between Duck and Pups.
  • Spending Frenzy!!

    funny
    23 May 2015 | 8:47 am
    Two of my dearest friends invited me to join them on a shopping expedition to our favorite vendor of pain-free footwear, the Shoe Mill, a now venerable joint in the studenty heart of Tempe. We first chowed down at the House of Tricks, probably the best restaurant in town, IMHO — certainly in Tempe, if not the entire Valley. Then it was off to the expensive environs of our target. (Click on the image for a decent view.) I’m afraid I went completely berserk — must’ve been the wine. Or maybe the exotic dessert…  Five hundred dollars later:I love me a red…
  • West Coast Cost of Living

    funny
    21 May 2015 | 2:22 pm
    Great American pride lies in the massive cities that we have built. With 80% of the population residing in these cities, they offer citizens more opportunities than anywhere else in the world. They provide access to a myriad of entertainment, leisure, culinary, and recreational activities. Not to mention being immersed in the different cultures that gather in these great cities. Unfortunately, city living can also be very expensive. With high populations access to living can be tricky; availability for housing in safer parts of town is low, driving rents higher. This is especially true of…
  • The New Writing Empire: Promising!

    funny
    20 May 2015 | 1:13 pm
    Yesterday afternoon I sat down and began the project of dividing the epic (not to say “endless”…) Fire-Rider novel into chunks that can be serialized on Amazon. At the end of the day, I had 19 “bookoids,” as I’ve taken to calling them. That doesn’t count the front and back matter. Our porn king’s bookoids, which he tries to post daily, are 5000 words apiece. Fire-Rider serials average a little over 8,000 words, with the shortest in the 5,000-word range. To my delight, I found the book deconstructs beautifully into perfect little stories, each…
  • DUCK begins modeling career

    funny
    19 May 2015 | 1:15 pm
    Click on the image for a much better view! M’hijito snapped this photo of DUCK with his iPhone. How could anyone not love her? Speaking the which, her admirer, DRAKE, dropped by the day before yesterday. His magnetic presence was enough to finally lure her off the nest. They frolicked in the pool, they frolicked on the deck, then they flew off, presumably to frolic far from human gaze. I feared she had abandoned the nest, leaving one perfect white egg behind. But no. Before long she was back. Windy City Gal, who has some experience with poultry, tells me that even though she seems to be…
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    Lending Club Blog

  • Lending Club Honored with Entrepreneurial Company of the Year Award from Harvard Business School Association of Northern California

    Lending Club
    15 May 2015 | 10:08 am
    Thanks to the Harvard Business School Association of Northern California for naming us the 37th Annual Entrepreneurial Company of the Year! It’s an honor to receive this award and we appreciate everyone who joined us at yesterday’s dinner to celebrate. At last night’s event, Lending Club board members and early investors in the company Dan Ciporin (general partner at Canaan Partners) and Jeff Crowe (managing partner at Norwest) shared memories of how a disruptive idea grew to become the largest online marketplace connecting borrowers and investors. Renaud joined Mary Meeker, partner at…
  • Renaud Talks to Jim Cramer

    Lending Club
    15 Apr 2015 | 10:50 am
    A few months ago, Jim Cramer remarked that he had questions about Lending Club’s business model, and challenged Renaud to come on the show to explain it. Never one to shrink from a challenge, Renaud took him up on it, and yesterday, after his keynote presentation at LendIt, made his debut appearance on Mad Money. Watch the clip here. http://clips.shadowtv.net/media/download/31b3d169394e4a5bb078920fce5e63af/lendingclub_1.mp4 The post Renaud Talks to Jim Cramer appeared first on Lending Club Blog.
  • Lending Club 2 – Back in the Race

    Lending Club
    26 Mar 2015 | 1:58 pm
    We’re excited to see Renaud back at the helm! Renaud is teaming up with famed American sailor Ryan Breymaier for several races and world speed sailing record attempts to take place in the UK and on the East and West coasts of the U.S. over the next 6 months. The two men have chartered a 105-foot maxi trimaran they generously named “Lending Club 2.” While stationed in New York and San Francisco, Lending Club 2 will be taking guests, including kids from New York and Bay Area schools, for a fun sail in New York Harbor and San Francisco Bay. Stay tuned for status updates on the new…
  • Lending Club Store’s Grand Opening

    Lending Club
    20 Mar 2015 | 10:20 am
    We were thrilled at the support we received from all of you during our IPO, and at the number of inquiries we received about the bright red jackets our team and guests wore on the floor of the New York Stock Exchange. So, we’ve decided the easiest thing to do would be to just open our online company store to all of you. The store features a number of Lending Club-branded gifts and apparel, including the now famous red jacket! Our brand is meaningful to us – we wear it with pride, and hope you will too. Welcome to the Club! Click here to start shopping! The post Lending Club Store’s…
  • LendIt is just one month away!

    Lending Club
    13 Mar 2015 | 10:22 am
    Congratulations to the LendIt team, who rang the opening bell at the NASDAQ in NYC this week in anticipation of LendIt 2015. Footage from last year’s LendIt Conference was featured on the NASDAQ’s big billboard. We’re excited to head back to NYC for the biggest marketplace lending industry event to reunite with old friends and meet new ones. Check out the conference agenda to see a list of panels and speakers – let the countdown begin! The post LendIt is just one month away! appeared first on Lending Club Blog.
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    MintLife Blog | Personal Finance News & Advice

  • A Dude’s Guide to Not Going Broke during Wedding Season [Infographic]

    Mint.com
    22 May 2015 | 9:19 am
    Wedding season has arrived! If you’re getting married this year, there’s a decent chance you’re tying the knot soon: June remains America’s most popular month for weddings. Guys are taking a more active role in wedding planning these days, from picking out a venue to helping make a couple’s biggest wedding-related decision: setting a budget for the big day. Check out our infographic to get the scoop on wedding expenses and how you can save money.
  • Sun, Surf and Savings: Summer Travel on the Cheap

    Kim Tracy Prince
    20 May 2015 | 9:00 am
    In addition to serving as an important reminder to honor our U.S. war veterans, Memorial Day marks the start of the summer travel season. Whether you’re an adventurer, a creature of habit, or planning your first big family vacation, here are some money saving tips you will want to consider. Save Up When planning summer travel, estimate your costs ahead of time for airfare, lodging, and expenses. Set a goal to save a portion every month towards that amount, using an app like Mint to track your progress. The closer you get, the closer that vacation is, and the more excited you and your travel…
  • Win $200 with Mint Bills!

    Mint.com
    18 May 2015 | 9:24 am
    Imagine if you had an extra $200 to pay down credit card debt, that lingering student loan or put toward a new car payment. Mint Bills, the award-winning app that stays on top of your bills and money so you never miss a payment, is here to help. Now through June 8, you and a friend can team up to win $200 to help pay your bills with Mint Bills: Two for the Money. How to Enter Visit the sweepstakes page and simply enter the bill you want to get paid. Confirm your contact information and invite your friends – you can invite up to 20 friends, but only one can join your team. Once a friend…
  • How We Saved $30,000 in Two Years

    Jean Pilus
    15 May 2015 | 10:34 am
    I am the money manager in our house, and for the past few years I’ve been using Mint to help keep us on track and honest with our spending. Before my now-husband and I decided to combine our finances, I had been using Mint to help me budget for graduate school. By setting this goal, I was able to gain control of my finances and budget my money accordingly. As a result, I could afford to go to school part-time and graduated debt free! Once my husband and I joined our accounts, I was able to easily track our savings and spending together, and even set up our first goal as a couple: to save…
  • Goodbye College, Hello Future: Why Retirement Savings Matters in Your 20s

    Alan J. McMillan
    12 May 2015 | 9:40 am
    The Class of 2015 will usher more than 1.8 million college graduates into the workforce with newly minted bachelor’s degrees. For most of these graduates, getting a job is priority number one. A first job provides a new kind of independence: the ability to move into one’s own space, pay for expenses and budget. It also opens the opportunity to create financial independence for the rest of your life. If you’re among those who will be entering “the real world,” thinking 40 years ahead may seem like a tall order – but it’s never too early to start planning. Ask yourself these few…
 
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    Money Crashers

  • How Much Does It Cost to Have a Baby? – Medical Care, Baby Gear, Clothing & More

    Maurie Backman
    22 May 2015 | 12:40 pm
    Before I had kids of my own, I remember attending a baby shower where the majority of the guests already had children. As I sat and listened to them bemoaning their endless expenses and mounting bills, I couldn’t even pretend to commiserate. At the time, my husband and I were planning a week-long trip to […] How Much Does It Cost to Have a Baby? – Medical Care, Baby Gear, Clothing & More is a post from the Money Crashers personal finance blog.
  • Country Wisdom & Investing – 6 Old-Time Sayings Relevant to Your Finances

    Michael Lewis
    21 May 2015 | 10:40 am
    Country wisdom is the collection of practical experiences gained by generations of pioneers, farmers, and ranchers as America transformed from a vast frontier to the world’s greatest economy. That experience – the result of constant trial and error – was passed from parent to child in plain language that left no room for misinterpretation. Living […] Country Wisdom & Investing – 6 Old-Time Sayings Relevant to Your Finances is a post from the Money Crashers personal finance blog.
  • How to Save Money on Laundry and Reduce Your Cost Per Load

    Amy Livingston
    20 May 2015 | 11:45 am
    When Ben Franklin said that nothing in the world is certain except death and taxes, he obviously forgot about laundry. Perhaps that’s because he had a laundress to do it for him – but nowadays, most of us are stuck doing this job ourselves. In fact, according to the Environmental Protection Agency (EPA), the average American family […] How to Save Money on Laundry and Reduce Your Cost Per Load is a post from the Money Crashers personal finance blog.
  • Do Intelligent Design & Creationism Belong in Public School Science Classes?

    Michael Lewis
    19 May 2015 | 11:45 am
    The tension between science and religion has existed for centuries, the former dealing with the natural world and the latter with the supernatural or spiritual world. Many people may be familiar with the story of Galileo and his trial by the Inquisition in 1633. He was forced to recant his belief that the Sun, not […] Do Intelligent Design & Creationism Belong in Public School Science Classes? is a post from the Money Crashers personal finance blog.
  • How to Find Antiques & Collectibles and Negotiate a Fair Price

    Michael Lewis
    18 May 2015 | 7:20 am
    Owning a piece of the past has universal appeal. According to philosopher and antique dealer Leon Rosenstein, it’s the value, uniqueness, and beauty of older items that attracts us, along with their historical and cultural associations. For some, buying and selling tangible pieces of history is a business – for others, it is a calling. […] How to Find Antiques & Collectibles and Negotiate a Fair Price is a post from the Money Crashers personal finance blog.
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    Mighty Bargain Hunter

  • Five tips for hitting the jackpot at your bank

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

    John Wedding
    8 May 2015 | 10:21 pm
    I’ve used both MyPoints and Swagbucks to get gift cards for doing such things as reading emails, doing web searches, and other low-stress, quick-turnaround activities. Both MyPoints and Swagbucks have been flawless with delivering the gift cards I’ve earned.  No issues, ever, and I’ve earned hundreds of dollars of gift cards through them. Rewards for doing easy stuff MyPoints has been around for over a decade.  A friend introduced the site to me around that time and I wish I had used it more back then. MyPoints rewards actions on their site with these things called…
  • This is how your bank feels about your loan payoff

    John Wedding
    26 Apr 2015 | 12:31 am
    As I posted about recently, we paid off our van loan, something we’re very happy about. The financial institution that held our loan recently sent us the title to the van.  They also sent a separate letter notifying us of such. Here’s the text of the letter: RE:  Loan: *******123-4567 Collateral Description:  [Our Van] Payoff Date: 03/27/2015 Dear John Wedding, The above referenced load has been paid in full. If this loan was secured by a vehicle, the lien will be released and the paper title mailed to you within 30 days unless you have a delinquent obligation to the [financial…
  • I forgot about the #1 source for tax information

    John Wedding
    7 Apr 2015 | 11:57 pm
    This week (and probably part of this weekend) I’ll be wrapping up my Tax Year 2014 activities.  As always, there will be much celebration afterwards. Since 2009 I’ve used H&R Block® Online Tax Software every year I’ve been able. In tax years 2012 and 2013, I had an investment vehicle unusual enough that the interview software wasn’t able to navigate through it, so some of the streamlining that I might have achieved had I used it every year was lost. Appreciation for depreciation Now that the complicated investment vehicle was out of my hands, I went back to using…
  • Slain debt dragon? 7 worthy uses for that payment

    John Wedding
    31 Mar 2015 | 10:16 am
    We slayed a debt dragon last week.  The carcass rots in our front yard as I write this.  The greenish-blue smoke from its nostrils abated only this morning. This past Friday marked the last of eighty-four biweekly loan payments on our Toyota Sienna. We paid off the five-year loan nearly two years ahead of schedule by rounding the payment up to the next $100 and making biweekly payments much the same way you can on a mortgage. From fire-breathing to breathing room This debt was consuming $100/week.  It no longer is.  I rather like the feeling! Getting rid of any kind of installment debt…
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    Spilling Buckets Personal Finance

  • Updating your interior to impress potential buyers

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

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

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

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

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

  • The Best Prepaid Card Is Kaiku Visa® – (Come See Why)

    Ginger
    18 May 2015 | 7:07 am
    I love prepaid debit cards, but hate the fees that are attached to so many of them.  If you’ve ever used a prepaid card then you know that the fees that come along with just about all of them are frankly, ridiculous.  In some cases, more than you’d pay with a traditional bank account. And for that reason I’ve stuck with only a chosen few because I’d rather not have fees chip away at my hard earned cash. Recently, I came across Kaiku, a new prepaid card and I am impressed.  I used it for about a month.   I love not only their branding, but I am also impressed with…
  • #IwantDRAFT: If You Want Lower Fees + Crowdsourced Insights – You’ll Want To Read This

    Ginger
    12 May 2015 | 9:50 am
    By the time you reach 35 your investor fees could easily top out at $350k on your investment portfolio.  I don’t know about you but I’d rather not sacrifice that many coins while working towards the golden years. You may be wondering how do I save money on fees while growing my portfolio?  How are others dealing with this issue? Draft has the solution for that problem. They are the first app of it’s find to solve such a unique issue.  Investors needing crowd sourced information in order to make better decisions, ask the right questions of their financial advisors…
  • 5 Reasons You Need To Buy Life Insurance

    Ginger
    11 May 2015 | 4:00 am
    Do you have life insurance?  If not, ask yourself why?  Some people don’t buy life insurance because they don’t think they need it and some others don’t think of it as an essential financial product like a bank account or a credit card.  Maybe you don’t have life insurance because you think the premium costs are too high or maybe it’s because you haven’t thought about what happens to your loved ones and family members after you’re gone. Over the last couple of years I have lost my best friend as well as a family member and I can attest to the fact that the entire situation…
  • Fixed or Variable Home Loan? That’s Still The Question

    Ginger
    30 Apr 2015 | 4:00 am
    If you’re looking to finance the purchase of a new home one of the questions on your mind may be Should I get a fixed rate or variable rate home loan plan? The truth is there’s no easy answer as both options have their pros and cons.  The best course of action is to read up on the features of both types of home loans and make an informed decision about which one is best for you. The pros of fixed rate home loans Fixed rate home loan plans are just that, they offer a fixed interest rate on your mortgage loan for a predetermined time period such as 1, 3 or 5 years. Stability is a…
  • 4 Reasons to Consider Offshore Banking

    Ginger
    23 Apr 2015 | 4:00 am
    You may think setting up bank accounts in foreign countries is for the rich and famous or people who have something to hide, but the truth is diversifying your banking relationships is an extremely beneficial financial strategy. When looking outside our borders to invest, Americans can benefit from different tax laws, new investment options and foreign exchange. The best part is it can all be done with a name you already know and trust. If you’re looking for a way to gain new exposure for your personal assets here are four good reasons to consider an offshore bank. Tax advantages…
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    The Finance Buff

  • Term4Sale.com No Longer Features Local Agents

    Harry Sit
    19 May 2015 | 6:51 am
    My term life insurance will expire soon. Not technically expire but the renewal rate will skyrocket after the level-premium period comes to an end. Since I’m still going to work a few more years, I want to have life insurance for some more years to make sure my family is really financially secure if I die. I’m following my own playbook How to Buy Life Insurance. I wrote it 7 years ago. It still works for the most part. I called the agent who sold me my current policy years ago. He said he doesn’t sell to individuals any more. Instead, his business now only focuses on…
  • Acorns App And The Latte Factor

    Harry Sit
    12 May 2015 | 6:57 am
    You must have all heard of the Latte Factor®. It was coined by author David Bach. It says if you save $4 a day by skipping a [Starbucks?] latte, and you invest it, you will have a lot of money when you retire. This inspired automatic savings programs such as Bank of America’s Keep the Change®. It rounds up your purchases on your Bank of America debit card to the whole dollar and then it puts the difference into a Bank of America savings account. Cynics say it’s just a way to encourage you to use the Bank of America debit card and savings account. Using the debit card earns…
  • Vanguard Personal Advisor Services: Talk to A Human Advisor

    Harry Sit
    7 May 2015 | 6:52 am
    Vanguard officially launched its long-awaited advice service for the masses. They are calling it Vanguard Personal Advisor Services. When you go to Vanguard’s homepage for personal investors, you are greeted with this front and center: It highlights the role of a human advisor, which is the biggest difference between Vanguard’s advice service and some of the other fully-automated investment services. Vanguard’s advice service is driven by a human advisor at every step of the way. This is reflected in the call-to-action. The next step isn’t to answer a multiple-choice…
  • FidSafe: Online Safe Deposit Box From Fidelity

    Harry Sit
    5 May 2015 | 7:54 am
    This was buried in the same letter from Fidelity which announced free trades on 5 additional iShares ETFs: FidSafe®: Manage your and your family’s finances by safely storing, organizing, and accessing digital copies of important financial, legal, and personal documents. Share info with the people you trust, only when you choose. www.fidsafe.com I’ve been using FidSafe for over a year now. I didn’t write about it because it was in beta. I wasn’t sure if it was going to become an official product. Now that Fidelity officially introduced it, albeit quietly in a letter…
  • Automatically Deposit Dividends To Any Bank Account

    Harry Sit
    28 Apr 2015 | 6:52 am
    Brokers are sometimes accused of profiting from dividends paid into a cash account that pays you nearly nothing. You can automatically reinvest the dividends for free at most places. If it’s a taxable account, you can always transfer the dividends out manually on your own. Merrill Edge goes the extra mile. They can automatically deposit the dividends to any outside bank account you designate. For more on why I use Merrill Edge, please read Merrill Edge + Bank of America = Free Trades + Free Checking + No ATM Fee and Bank of America Travel Rewards Visa: Better Than Fidelity AmEx Or Citi…
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    Maximizing Money

  • AsterRIDE Taxi and Chauffeur App Free $20 Ride Credit and $20 Referrals

    Max Messner
    24 May 2015 | 1:41 pm
    AsterRIDE lets you book a taxi, luxury sedan, SUV, or limousine service from your iPhone or Android smartphone, plus new AsterRIDE users can get a free $20 credit or a 10% discount to use toward your first ride. The post AsterRIDE Taxi and Chauffeur App Free $20 Ride Credit and $20 Referrals appeared first on Maximizing Money.
  • KeyBank Personal Checking Account $200 or $500 Cash Reward Bonus Promotion

    Max Messner
    22 May 2015 | 2:25 pm
    KeyBank is offering a $200 cash reward when you open a new KeyBank Hassle-Free Account or any personal checking account with a direct deposit by June 12, 2015. Updated May 23, 2015: There is a new $500 targeted bonus available that offers $300 for opening any KeyBank checking account and $200 for opening a Silver Money Market account by June 26, 2015. KeyBank can open and service accounts in the following states: AK, CO, CT, ID, IN, KY, ME, MI, NY, OH, OR, UT, VT, or WA. Check out these KeyBank Checking Account Bonuses to open a new personal checking account. The post KeyBank Personal…
  • Wells Fargo Checking Account $100 Targeted Bonus Offer

    Max Messner
    22 May 2015 | 1:55 pm
    Wells Fargo bank is offering a $100 cash bonus through June 26, 2015, but it is for targeted customers only. Review this Wells Fargo Personal Checking Promotion for additional details about where this offer is available. The post Wells Fargo Checking Account $100 Targeted Bonus Offer appeared first on Maximizing Money.
  • Top Bonus Roundup on Maximizing Money: Updated May 22, 2015

    Max Messner
    22 May 2015 | 1:25 pm
    Check out this review of the best recent promotions on Maximizing Money, updated on May 22, 2015. 1. Staples $20 Prepaid Card Offer - Buy $300 in Visa Gift Cards to get a $20 Prepaid Card at Staples from May 24th to May 30, 2015. 2. Free Movie Ticket with Schick/Skintimate Purchase - Buy $10 of Schick Women's or Skintimate products for a free movie ticket. 3. Starwood Personal Card / Starwood Business Card - Promotional offer now 25,000 bonus Starpoints after $3,000 in purchases through June 30, 2015. 4. Starbucks Free Drink - New My Starbucks Rewards members can get a free drink via their…
  • Staples $20 Visa Prepaid Card to Buy $300 in Visa Gift Cards

    Max Messner
    22 May 2015 | 1:20 pm
    From May 24th to May 30, 2015, you can get a $20 Visa Prepaid Card by rebate when you buy a total of $300 or more in Visa Gift Cards in-store at Staples. Check out this $20 Staples Bonus for more details. Review these Bonus Reward Credit Cards as well to earn cash bonuses on your credit card spending. The post Staples $20 Visa Prepaid Card to Buy $300 in Visa Gift Cards appeared first on Maximizing Money.
 
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    Abacus Wealth Partners

  • Five Benefits of 529 Plans

    Spencer Sherman
    22 May 2015 | 11:19 am
    I’ve always loved 529 plans as a college saving account, but I recently discovered how they can be used as a key part of your family’s gifting plan (i.e., estate plan), even if you don’t have kids or intend to use the money for college. Five Hidden Gems of 529 Plans 1. Pay no estate tax. The money in a 529 plan, and the growth of that money, is excluded from your estate and not subject to federal or state estate taxes after it’s been there at least three years. You can even front-load five years of 529 contributions for each beneficiary (up to $140,000). 2. Change your…
  • My $20,000 Housing Gamble

    Neela Bushnell Hummel
    15 May 2015 | 1:12 pm
    Late last year, my husband, Tom, and I almost bought a house that we were not prepared for. Several months later, we found ourselves ready to give the home-buying process another shot—and this time, we felt prepared. But we were in for some surprises. The inventory in Southern California has not kept up with the demand, and competition is fierce. Bidding wars have become commonplace, which has resulted in buyers submitting all-cash offers, waiving inspections and removing contingencies. That is just to get an offer selected—getting the mortgage has its own set of complications. When Tom…
  • Eradicating Women’s Poverty Through Mobile Banking

    Jennifer Kenning
    7 May 2015 | 1:12 pm
    In recent travels to rural Bangladesh, I was in awe of how women there empower each other. As women shared their very personal stories with me, I couldn’t help but think these women are just like me but don’t have access to the same opportunities that I have. I saw mothers who will do anything in their power to provide for their children. They will sacrifice their own dreams to make their children’s dreams come true. They will feed their children the little rice that they have, leaving only the rice water for themselves as their stomachs growl. Oftentimes, these mothers are still…
  • Done by 60

    Barrett Porter
    30 Apr 2015 | 11:08 am
    I’m moving to Ecuador! Not this year, of course, but I’ve started to view my own retirement plan through a very different lens. I notice that people almost always plan for retirement by projecting their current lifestyle (spending) into the future instead of planning for a future they’ve designed. Well, I’ve decided I am going to design a plan in which I’m done by 60. If I move to another city or country, how many years could I shave off my work life? If I dramatically downsize my future housing needs, how much additional traveling could I do? If I owned a really small…
  • Earth Day Is Your Opportunity to Practice Healthy Habits

    Brent Kessel
    21 Apr 2015 | 12:24 pm
    I used to think that either you were a humanitarian or you weren’t. In 1972, my mom was driving us down the Blue Route freeway in Cape Town, South Africa, when we pulled alongside a truck carrying cows. I asked her where they were going, and she told me that they were likely going to be killed and turned into meat. Four-year-old Brent told her in no uncertain terms that we needed to pull that truck over and free those cows. When she told me that couldn’t happen, I began crying. As with most young children, I forgot the whole incident—until a night or two later when we went to…
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  • State Won't Let Stores Open on Nov. 22

    25 May 2015 | 8:29 am
    State Won't Let Stores Open on Nov. 22WMTW Most people flock to stores on Thanksgiving for last-minute items or pre-Black Friday steals -- but one state's law doesn't allow that.Where big box stores will be closed In Case You Missed ItSchool Bus Driver's Terrifying Close CallShocking Thing Opens Up in Man's LawnOfficial 'Disgusted' by What Happened to Car
  • General's Emails More Than 'Flirtatious'

    25 May 2015 | 8:29 am
    General's Emails More Than 'Flirtatious'APGen. John Allen, the top US commander in Afghanistan, exchanged countless emails with a woman at the heart of the Petraeus scandal.Source reveals explicit messagesMore NewsPlane Crashes Into Mississippi HomeWashington Post Editor Steps DownHusband Finds Teacher in Act With Boy
  • Reason This Ad Is Making Waves

    25 May 2015 | 8:29 am
    Reason This Ad Is Making Waves Marks & SpencerIt looks like any other holiday clothing ad for kids, but something about this one is different -- and it's not an accident.How a Facebook post started it allMore StoriesPreterm Birth Rate Drops to New LowPossible Risk Factor for Autism Found?Stranger I Wish I'd Stopped to Talk With
  • Soap Star Says Goodbye After 25 Years

    25 May 2015 | 8:29 am
    Soap Star Says Goodbye After 25 YearsCBSSusan Flannery left 'The Bold and the Beautiful' after two and a half decades -- and she's not the only star with a very long TV tenure.Actress who spent 41 years on her showMore to See'X Factor' Singer Says Sexuality Was a RiskActress Opened Up About Bipolar DisorderStreisand's Son Sings for Gay-Friendly Film
  • Take a Look at Where JFK Was Born

    25 May 2015 | 8:29 am
    Take a Look at Where JFK Was BornNational Park ServiceYou'll find the late president's very first belongings inside this New England home -- which is being opened to the public for the first time.Famous items the living room is 'filled with'More to SeeStar Has Rose Named After HerCommon Heating Mistake Could Cost YouThe Best Pillow for Your Sleep Style
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  • State Won't Let Stores Open on Nov. 22

    25 May 2015 | 8:29 am
    State Won't Let Stores Open on Nov. 22WMTW Most people flock to stores on Thanksgiving for last-minute items or pre-Black Friday steals -- but one state's law doesn't allow that.Where big box stores will be closed In Case You Missed ItSchool Bus Driver's Terrifying Close CallShocking Thing Opens Up in Man's LawnOfficial 'Disgusted' by What Happened to Car
  • General's Emails More Than 'Flirtatious'

    25 May 2015 | 8:29 am
    General's Emails More Than 'Flirtatious'APGen. John Allen, the top US commander in Afghanistan, exchanged countless emails with a woman at the heart of the Petraeus scandal.Source reveals explicit messagesMore NewsPlane Crashes Into Mississippi HomeWashington Post Editor Steps DownHusband Finds Teacher in Act With Boy
  • Reason This Ad Is Making Waves

    25 May 2015 | 8:29 am
    Reason This Ad Is Making Waves Marks & SpencerIt looks like any other holiday clothing ad for kids, but something about this one is different -- and it's not an accident.How a Facebook post started it allMore StoriesPreterm Birth Rate Drops to New LowPossible Risk Factor for Autism Found?Stranger I Wish I'd Stopped to Talk With
  • Soap Star Says Goodbye After 25 Years

    25 May 2015 | 8:29 am
    Soap Star Says Goodbye After 25 YearsCBSSusan Flannery left 'The Bold and the Beautiful' after two and a half decades -- and she's not the only star with a very long TV tenure.Actress who spent 41 years on her showMore to See'X Factor' Singer Says Sexuality Was a RiskActress Opened Up About Bipolar DisorderStreisand's Son Sings for Gay-Friendly Film
  • Take a Look at Where JFK Was Born

    25 May 2015 | 8:29 am
    Take a Look at Where JFK Was BornNational Park ServiceYou'll find the late president's very first belongings inside this New England home -- which is being opened to the public for the first time.Famous items the living room is 'filled with'More to SeeStar Has Rose Named After HerCommon Heating Mistake Could Cost YouThe Best Pillow for Your Sleep Style
 
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  • State Won't Let Stores Open on Nov. 22

    25 May 2015 | 8:29 am
    State Won't Let Stores Open on Nov. 22WMTW Most people flock to stores on Thanksgiving for last-minute items or pre-Black Friday steals -- but one state's law doesn't allow that.Where big box stores will be closed In Case You Missed ItSchool Bus Driver's Terrifying Close CallShocking Thing Opens Up in Man's LawnOfficial 'Disgusted' by What Happened to Car
  • General's Emails More Than 'Flirtatious'

    25 May 2015 | 8:29 am
    General's Emails More Than 'Flirtatious'APGen. John Allen, the top US commander in Afghanistan, exchanged countless emails with a woman at the heart of the Petraeus scandal.Source reveals explicit messagesMore NewsPlane Crashes Into Mississippi HomeWashington Post Editor Steps DownHusband Finds Teacher in Act With Boy
  • Reason This Ad Is Making Waves

    25 May 2015 | 8:29 am
    Reason This Ad Is Making Waves Marks & SpencerIt looks like any other holiday clothing ad for kids, but something about this one is different -- and it's not an accident.How a Facebook post started it allMore StoriesPreterm Birth Rate Drops to New LowPossible Risk Factor for Autism Found?Stranger I Wish I'd Stopped to Talk With
  • Soap Star Says Goodbye After 25 Years

    25 May 2015 | 8:29 am
    Soap Star Says Goodbye After 25 YearsCBSSusan Flannery left 'The Bold and the Beautiful' after two and a half decades -- and she's not the only star with a very long TV tenure.Actress who spent 41 years on her showMore to See'X Factor' Singer Says Sexuality Was a RiskActress Opened Up About Bipolar DisorderStreisand's Son Sings for Gay-Friendly Film
  • Take a Look at Where JFK Was Born

    25 May 2015 | 8:29 am
    Take a Look at Where JFK Was BornNational Park ServiceYou'll find the late president's very first belongings inside this New England home -- which is being opened to the public for the first time.Famous items the living room is 'filled with'More to SeeStar Has Rose Named After HerCommon Heating Mistake Could Cost YouThe Best Pillow for Your Sleep Style
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  • State Won't Let Stores Open on Nov. 22

    25 May 2015 | 8:29 am
    State Won't Let Stores Open on Nov. 22WMTW Most people flock to stores on Thanksgiving for last-minute items or pre-Black Friday steals -- but one state's law doesn't allow that.Where big box stores will be closed In Case You Missed ItSchool Bus Driver's Terrifying Close CallShocking Thing Opens Up in Man's LawnOfficial 'Disgusted' by What Happened to Car
  • General's Emails More Than 'Flirtatious'

    25 May 2015 | 8:29 am
    General's Emails More Than 'Flirtatious'APGen. John Allen, the top US commander in Afghanistan, exchanged countless emails with a woman at the heart of the Petraeus scandal.Source reveals explicit messagesMore NewsPlane Crashes Into Mississippi HomeWashington Post Editor Steps DownHusband Finds Teacher in Act With Boy
  • Reason This Ad Is Making Waves

    25 May 2015 | 8:29 am
    Reason This Ad Is Making Waves Marks & SpencerIt looks like any other holiday clothing ad for kids, but something about this one is different -- and it's not an accident.How a Facebook post started it allMore StoriesPreterm Birth Rate Drops to New LowPossible Risk Factor for Autism Found?Stranger I Wish I'd Stopped to Talk With
  • Soap Star Says Goodbye After 25 Years

    25 May 2015 | 8:29 am
    Soap Star Says Goodbye After 25 YearsCBSSusan Flannery left 'The Bold and the Beautiful' after two and a half decades -- and she's not the only star with a very long TV tenure.Actress who spent 41 years on her showMore to See'X Factor' Singer Says Sexuality Was a RiskActress Opened Up About Bipolar DisorderStreisand's Son Sings for Gay-Friendly Film
  • Take a Look at Where JFK Was Born

    25 May 2015 | 8:29 am
    Take a Look at Where JFK Was BornNational Park ServiceYou'll find the late president's very first belongings inside this New England home -- which is being opened to the public for the first time.Famous items the living room is 'filled with'More to SeeStar Has Rose Named After HerCommon Heating Mistake Could Cost YouThe Best Pillow for Your Sleep Style
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  • State Won't Let Stores Open on Nov. 22

    25 May 2015 | 8:29 am
    State Won't Let Stores Open on Nov. 22WMTW Most people flock to stores on Thanksgiving for last-minute items or pre-Black Friday steals -- but one state's law doesn't allow that.Where big box stores will be closed In Case You Missed ItSchool Bus Driver's Terrifying Close CallShocking Thing Opens Up in Man's LawnOfficial 'Disgusted' by What Happened to Car
  • General's Emails More Than 'Flirtatious'

    25 May 2015 | 8:29 am
    General's Emails More Than 'Flirtatious'APGen. John Allen, the top US commander in Afghanistan, exchanged countless emails with a woman at the heart of the Petraeus scandal.Source reveals explicit messagesMore NewsPlane Crashes Into Mississippi HomeWashington Post Editor Steps DownHusband Finds Teacher in Act With Boy
  • Reason This Ad Is Making Waves

    25 May 2015 | 8:29 am
    Reason This Ad Is Making Waves Marks & SpencerIt looks like any other holiday clothing ad for kids, but something about this one is different -- and it's not an accident.How a Facebook post started it allMore StoriesPreterm Birth Rate Drops to New LowPossible Risk Factor for Autism Found?Stranger I Wish I'd Stopped to Talk With
  • Soap Star Says Goodbye After 25 Years

    25 May 2015 | 8:29 am
    Soap Star Says Goodbye After 25 YearsCBSSusan Flannery left 'The Bold and the Beautiful' after two and a half decades -- and she's not the only star with a very long TV tenure.Actress who spent 41 years on her showMore to See'X Factor' Singer Says Sexuality Was a RiskActress Opened Up About Bipolar DisorderStreisand's Son Sings for Gay-Friendly Film
  • Take a Look at Where JFK Was Born

    25 May 2015 | 8:29 am
    Take a Look at Where JFK Was BornNational Park ServiceYou'll find the late president's very first belongings inside this New England home -- which is being opened to the public for the first time.Famous items the living room is 'filled with'More to SeeStar Has Rose Named After HerCommon Heating Mistake Could Cost YouThe Best Pillow for Your Sleep Style
 
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  • State Won't Let Stores Open on Nov. 22

    25 May 2015 | 8:29 am
    State Won't Let Stores Open on Nov. 22WMTW Most people flock to stores on Thanksgiving for last-minute items or pre-Black Friday steals -- but one state's law doesn't allow that.Where big box stores will be closed In Case You Missed ItSchool Bus Driver's Terrifying Close CallShocking Thing Opens Up in Man's LawnOfficial 'Disgusted' by What Happened to Car
  • General's Emails More Than 'Flirtatious'

    25 May 2015 | 8:29 am
    General's Emails More Than 'Flirtatious'APGen. John Allen, the top US commander in Afghanistan, exchanged countless emails with a woman at the heart of the Petraeus scandal.Source reveals explicit messagesMore NewsPlane Crashes Into Mississippi HomeWashington Post Editor Steps DownHusband Finds Teacher in Act With Boy
  • Reason This Ad Is Making Waves

    25 May 2015 | 8:29 am
    Reason This Ad Is Making Waves Marks & SpencerIt looks like any other holiday clothing ad for kids, but something about this one is different -- and it's not an accident.How a Facebook post started it allMore StoriesPreterm Birth Rate Drops to New LowPossible Risk Factor for Autism Found?Stranger I Wish I'd Stopped to Talk With
  • Soap Star Says Goodbye After 25 Years

    25 May 2015 | 8:29 am
    Soap Star Says Goodbye After 25 YearsCBSSusan Flannery left 'The Bold and the Beautiful' after two and a half decades -- and she's not the only star with a very long TV tenure.Actress who spent 41 years on her showMore to See'X Factor' Singer Says Sexuality Was a RiskActress Opened Up About Bipolar DisorderStreisand's Son Sings for Gay-Friendly Film
  • Take a Look at Where JFK Was Born

    25 May 2015 | 8:29 am
    Take a Look at Where JFK Was BornNational Park ServiceYou'll find the late president's very first belongings inside this New England home -- which is being opened to the public for the first time.Famous items the living room is 'filled with'More to SeeStar Has Rose Named After HerCommon Heating Mistake Could Cost YouThe Best Pillow for Your Sleep Style
  • add this feed to my.Alltop

  • State Won't Let Stores Open on Nov. 22

    25 May 2015 | 8:29 am
    State Won't Let Stores Open on Nov. 22WMTW Most people flock to stores on Thanksgiving for last-minute items or pre-Black Friday steals -- but one state's law doesn't allow that.Where big box stores will be closed In Case You Missed ItSchool Bus Driver's Terrifying Close CallShocking Thing Opens Up in Man's LawnOfficial 'Disgusted' by What Happened to Car
  • General's Emails More Than 'Flirtatious'

    25 May 2015 | 8:29 am
    General's Emails More Than 'Flirtatious'APGen. John Allen, the top US commander in Afghanistan, exchanged countless emails with a woman at the heart of the Petraeus scandal.Source reveals explicit messagesMore NewsPlane Crashes Into Mississippi HomeWashington Post Editor Steps DownHusband Finds Teacher in Act With Boy
  • Reason This Ad Is Making Waves

    25 May 2015 | 8:29 am
    Reason This Ad Is Making Waves Marks & SpencerIt looks like any other holiday clothing ad for kids, but something about this one is different -- and it's not an accident.How a Facebook post started it allMore StoriesPreterm Birth Rate Drops to New LowPossible Risk Factor for Autism Found?Stranger I Wish I'd Stopped to Talk With
  • Soap Star Says Goodbye After 25 Years

    25 May 2015 | 8:29 am
    Soap Star Says Goodbye After 25 YearsCBSSusan Flannery left 'The Bold and the Beautiful' after two and a half decades -- and she's not the only star with a very long TV tenure.Actress who spent 41 years on her showMore to See'X Factor' Singer Says Sexuality Was a RiskActress Opened Up About Bipolar DisorderStreisand's Son Sings for Gay-Friendly Film
  • Take a Look at Where JFK Was Born

    25 May 2015 | 8:29 am
    Take a Look at Where JFK Was BornNational Park ServiceYou'll find the late president's very first belongings inside this New England home -- which is being opened to the public for the first time.Famous items the living room is 'filled with'More to SeeStar Has Rose Named After HerCommon Heating Mistake Could Cost YouThe Best Pillow for Your Sleep Style
  • add this feed to my.Alltop

  • State Won't Let Stores Open on Nov. 22

    25 May 2015 | 8:29 am
    State Won't Let Stores Open on Nov. 22WMTW Most people flock to stores on Thanksgiving for last-minute items or pre-Black Friday steals -- but one state's law doesn't allow that.Where big box stores will be closed In Case You Missed ItSchool Bus Driver's Terrifying Close CallShocking Thing Opens Up in Man's LawnOfficial 'Disgusted' by What Happened to Car
  • General's Emails More Than 'Flirtatious'

    25 May 2015 | 8:29 am
    General's Emails More Than 'Flirtatious'APGen. John Allen, the top US commander in Afghanistan, exchanged countless emails with a woman at the heart of the Petraeus scandal.Source reveals explicit messagesMore NewsPlane Crashes Into Mississippi HomeWashington Post Editor Steps DownHusband Finds Teacher in Act With Boy
  • Reason This Ad Is Making Waves

    25 May 2015 | 8:29 am
    Reason This Ad Is Making Waves Marks & SpencerIt looks like any other holiday clothing ad for kids, but something about this one is different -- and it's not an accident.How a Facebook post started it allMore StoriesPreterm Birth Rate Drops to New LowPossible Risk Factor for Autism Found?Stranger I Wish I'd Stopped to Talk With
  • Soap Star Says Goodbye After 25 Years

    25 May 2015 | 8:29 am
    Soap Star Says Goodbye After 25 YearsCBSSusan Flannery left 'The Bold and the Beautiful' after two and a half decades -- and she's not the only star with a very long TV tenure.Actress who spent 41 years on her showMore to See'X Factor' Singer Says Sexuality Was a RiskActress Opened Up About Bipolar DisorderStreisand's Son Sings for Gay-Friendly Film
  • Take a Look at Where JFK Was Born

    25 May 2015 | 8:29 am
    Take a Look at Where JFK Was BornNational Park ServiceYou'll find the late president's very first belongings inside this New England home -- which is being opened to the public for the first time.Famous items the living room is 'filled with'More to SeeStar Has Rose Named After HerCommon Heating Mistake Could Cost YouThe Best Pillow for Your Sleep Style
 
  • add this feed to my.Alltop

  • State Won't Let Stores Open on Nov. 22

    25 May 2015 | 8:29 am
    State Won't Let Stores Open on Nov. 22WMTW Most people flock to stores on Thanksgiving for last-minute items or pre-Black Friday steals -- but one state's law doesn't allow that.Where big box stores will be closed In Case You Missed ItSchool Bus Driver's Terrifying Close CallShocking Thing Opens Up in Man's LawnOfficial 'Disgusted' by What Happened to Car
  • General's Emails More Than 'Flirtatious'

    25 May 2015 | 8:29 am
    General's Emails More Than 'Flirtatious'APGen. John Allen, the top US commander in Afghanistan, exchanged countless emails with a woman at the heart of the Petraeus scandal.Source reveals explicit messagesMore NewsPlane Crashes Into Mississippi HomeWashington Post Editor Steps DownHusband Finds Teacher in Act With Boy
  • Reason This Ad Is Making Waves

    25 May 2015 | 8:29 am
    Reason This Ad Is Making Waves Marks & SpencerIt looks like any other holiday clothing ad for kids, but something about this one is different -- and it's not an accident.How a Facebook post started it allMore StoriesPreterm Birth Rate Drops to New LowPossible Risk Factor for Autism Found?Stranger I Wish I'd Stopped to Talk With
  • Soap Star Says Goodbye After 25 Years

    25 May 2015 | 8:29 am
    Soap Star Says Goodbye After 25 YearsCBSSusan Flannery left 'The Bold and the Beautiful' after two and a half decades -- and she's not the only star with a very long TV tenure.Actress who spent 41 years on her showMore to See'X Factor' Singer Says Sexuality Was a RiskActress Opened Up About Bipolar DisorderStreisand's Son Sings for Gay-Friendly Film
  • Take a Look at Where JFK Was Born

    25 May 2015 | 8:29 am
    Take a Look at Where JFK Was BornNational Park ServiceYou'll find the late president's very first belongings inside this New England home -- which is being opened to the public for the first time.Famous items the living room is 'filled with'More to SeeStar Has Rose Named After HerCommon Heating Mistake Could Cost YouThe Best Pillow for Your Sleep Style
  • add this feed to my.Alltop

  • State Won't Let Stores Open on Nov. 22

    25 May 2015 | 8:29 am
    State Won't Let Stores Open on Nov. 22WMTW Most people flock to stores on Thanksgiving for last-minute items or pre-Black Friday steals -- but one state's law doesn't allow that.Where big box stores will be closed In Case You Missed ItSchool Bus Driver's Terrifying Close CallShocking Thing Opens Up in Man's LawnOfficial 'Disgusted' by What Happened to Car
  • General's Emails More Than 'Flirtatious'

    25 May 2015 | 8:29 am
    General's Emails More Than 'Flirtatious'APGen. John Allen, the top US commander in Afghanistan, exchanged countless emails with a woman at the heart of the Petraeus scandal.Source reveals explicit messagesMore NewsPlane Crashes Into Mississippi HomeWashington Post Editor Steps DownHusband Finds Teacher in Act With Boy
  • Reason This Ad Is Making Waves

    25 May 2015 | 8:29 am
    Reason This Ad Is Making Waves Marks & SpencerIt looks like any other holiday clothing ad for kids, but something about this one is different -- and it's not an accident.How a Facebook post started it allMore StoriesPreterm Birth Rate Drops to New LowPossible Risk Factor for Autism Found?Stranger I Wish I'd Stopped to Talk With
  • Soap Star Says Goodbye After 25 Years

    25 May 2015 | 8:29 am
    Soap Star Says Goodbye After 25 YearsCBSSusan Flannery left 'The Bold and the Beautiful' after two and a half decades -- and she's not the only star with a very long TV tenure.Actress who spent 41 years on her showMore to See'X Factor' Singer Says Sexuality Was a RiskActress Opened Up About Bipolar DisorderStreisand's Son Sings for Gay-Friendly Film
  • Take a Look at Where JFK Was Born

    25 May 2015 | 8:29 am
    Take a Look at Where JFK Was BornNational Park ServiceYou'll find the late president's very first belongings inside this New England home -- which is being opened to the public for the first time.Famous items the living room is 'filled with'More to SeeStar Has Rose Named After HerCommon Heating Mistake Could Cost YouThe Best Pillow for Your Sleep Style
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    Bible Money Matters

  • When God Calls You Out

    Brian
    21 May 2015 | 4:30 am
    God uses his Word to call us out – more specifically, to call our behavior out. Too often, however, we are oblivious to what he is trying to teach us. The post When God Calls You Out appeared first on Bible Money Matters and was written by Brian. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • The Grow Your Dough Throwdown 2.0 May Update – Blogger Investing Challenge With Motif Investing

    Peter Anderson
    20 May 2015 | 11:27 am
    Earlier this year I announced I was going to be participating in a 1 year investing contest, the Grow Your Dough Throwdown 2.0. So how's it going so far? The post The Grow Your Dough Throwdown 2.0 May Update – Blogger Investing Challenge With Motif Investing appeared first on Bible Money Matters and was written by Peter Anderson. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • Ensuring Your Own Retirement Amidst A Looming Retirement Crisis

    Peter Anderson
    14 May 2015 | 10:56 am
    Our country has a looming retirement crisis. What can you do to ensure that you have enough saved, and your own retirement is secure? The post Ensuring Your Own Retirement Amidst A Looming Retirement Crisis appeared first on Bible Money Matters and was written by Peter Anderson. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • How To Create A Decorated Handprint Plate

    Peter Anderson
    12 May 2015 | 11:15 am
    For Mother's Day my son and I created a custom decorated handprint plate for my wife. Here's how you can make your own, including a list of materials to buy. The post How To Create A Decorated Handprint Plate appeared first on Bible Money Matters and was written by Peter Anderson. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
  • What Should A Grandparent’s Role Be Financially In Their Grandchild’s Life?

    Melissa
    11 May 2015 | 9:28 am
    If you’re a grandparent, do you financially spoil your grandkids? If so, does it cause any difficulties in your relationships? The post What Should A Grandparent’s Role Be Financially In Their Grandchild’s Life? appeared first on Bible Money Matters and was written by Melissa. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
 
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    Christian Personal Finance

  • The $6 tip that made me rethink my approach

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

    Bob
    18 May 2015 | 7:52 am
    It is so SIMPLE to retire well off, if you make just a little sacrifice now. The alternative is making a huge sacrifice later on (in your 40s) and still probably not doing as well as if you made a small sacrifice now. You just finished your degree and you are probably looking for your first “real” job. This is the perfect opportunity to decide how you would like your financial life to be. You have the choice to spend and buy whatever you feel like which will likely put you in heaps of debt. If you choose this path, you will be in good company. You can be sure most of your…
  • College Without Debt – Is It Possible?

    Bob
    12 May 2015 | 11:38 am
    With the cost of college rising every year, the possibility of attending college without debt is starting to seem like a fantasy. But given the harsh realities of carrying large amounts of debt after graduation, every effort needs to be made in order to keep student loan debt to an absolute minimum. The Big Picture Problem of Student Loan Debt The student loan debt issue is rapidly becoming a national crisis. Not only are high levels of student debt interfering with the financial progress of college graduates, but the evidence is beginning to mount that it’s also taking a toll on the whole…
  • The Step-by-Step Guide to Clean and Repair your Credit Report

    Bob
    11 May 2015 | 1:11 pm
    Nobody’s perfect. You aren’t and neither am I. But neither are the credit bureaus who compile your credit history or the creditors who report to those bureaus. If you have some splotches on your credit report the odds are that at least some of those black marks are there by mistake. The good news is, it’s not that difficult to repair a flawed credit report. While accurate, verifiable and complete data must stay on your credit report for up to 10 years, you can wipe clean a lot more negative data from your credit report than you might otherwise expect. And you can do this yourself. You…
  • Why We Should Give in Secret

    Kevin
    27 Apr 2015 | 9:00 am
    Giving is giving, right? Not if you’re a Christian. There are ways to give – and God wants us to give – and there are ways we shouldn’t give. One way we shouldn’t is giving publicly. As Christians, we’re told to give in secret. Our mission in life is to glorify God in all that we do – when we give in public that may not be exactly what’s happening. It could be our secular selves rising to the surface. How the World Gives When the secular world gives it’s often with considerable public fanfare, and even trumpeted in the media. The giver is exalted for his generosity, the…
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    PT Money

  • The Best Robo Advisors of 2015 for Automated Investing

    Jason Price
    21 May 2015 | 12:28 pm
    Investing should be for everyone. The introduction of robo-advisors has helped more people get into investing and save for their future without the costs of standard financial advisory services. In December of 2014, according to a study by Corporate Insight, robo-advisors were managing about $19 billion dollars. That’s no small number! According to the same study it was 21% higher than just 5 months before. While there are different flavors of robo advisors, they all rely on technology and online portfolio management to reduce costs for the investor. For a small fee and sometimes no…
  • Best Jobs for Stay-At-Home Moms (and Dads!)

    Emily Guy Birken
    19 May 2015 | 8:45 am
    So you’ve decided you want to stay at home with the kids! The only question now is how you’re going to keep the little tykes fed and clothed while you’re enjoying your time with them. The era of a one-income family being enough to provide for Mom, Dad and kids (and save for college) is long over for most people, and most stay-at-home parents find that they need to bring home some extra money. But what jobs can a parent do from home? It can be difficult to weed through the envelope-stuffing scams and pay-up-front “business” plans to find real jobs that will bring…
  • 6 Gifts That Actually Help to Launch Graduates

    Emily Guy Birken
    18 May 2015 | 10:45 am
    It’s that time of year again. Graduation season is in full swing, and everywhere you look there are top ten lists telling you the best gift you can give the graduate in your life. While it’s always nice to receive presents, particularly when they commemorate the hard work necessary to earn a diploma or a degree, I would say the best gifts you can give your graduate can’t necessarily be wrapped in pretty paper and tied up with a bow. If you really want to give a new college graduate a gift that will last him a lifetime, think about giving one of the following things: 1. Clear Boundaries…
  • Top Investing and Personal Finance Startups We’re Excited to See at #Finovate Spring 2015

    Philip Taylor
    11 May 2015 | 12:00 pm
    This week I’m excited to be attending my first #Finovate – the conference for the future of Financial Technology (FinTech). I’ll get to see some of the newest technology startups catering to your needs in personal finance and investing. I’ve had a chance to review the full list of companies demoing and here’s who I’m looking forward to seeing (including many companies that hope to help you invest better in 2015): Investing Technology DRAFT is planning to help you compare your investment portfolio with crowdsourced data. I’m most excited about the fact…
  • 3 Advanced-Level Travel Hacking Tips We Learned at Frequent Traveler University

    Contributor
    29 Apr 2015 | 2:23 pm
    Wow. My head is still spinning after spending last weekend with those that are truly miles and points obsessed. I had the privilege of attending my first Frequent Traveler University (FTU) this weekend at the Hyatt Regency DFW. I have been “playing” the loyalty game for over four years now. So, it was an awesome experience to finally hobnob with some of the biggest bloggers in the community and also socialize with others who are as passionate as I am about reward points-based travel. There was both a general session for those just getting into the hobby addiction, and an advanced…
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    RetirementRevised

  • This weekend’s recommended reading on retirement

    Mark Miller
    23 May 2015 | 10:41 am
    Here’s a quick look at articles that have caught my eye in the past week: The Risks and Rewards of Self-Managing Investment Portfolios. There are good reasons for retirees to manage their own financial lives: Saving money on fees is one benefit, and more closely aligning investments with personal goals is another. John Wasik/The New York Times. Six Questions to Ask Before Rolling Over a Retirement Account. Before you initiate a transfer from a retirement plan to an IRA, consider these questions. Kevin McKinley/Wealthmangement.com Want Great Longevity and Health? It Takes a…
  • Supreme Court 401(k) ruling latest shift in favor of retirement savers

    Mark Miller
    21 May 2015 | 6:58 am
    Doing the right thing by retirement savers – could it be the new black? The U.S. Supreme Court ruled this week that employers have a duty to protect workers in their 401(k) plans from mutual funds that are too expensive or perform poorly. The landmark ruling – which was unanimous, sends a strong signal to employers to improve their plans – and it comes just as the Obama Administration prepares a landmark of its own by issuing rules requiring that financial advisors put the interest of customers ahead of their own. The high court ruled in a class action case brought against…
  • New thinking about the use of debt in retirement

    Mark Miller
    14 May 2015 | 10:02 am
    “Neither a borrower nor a lender be,” Shakespeare’s Polonius advised his son in Hamlet. Tom Anderson disagrees. Anderson, a wealth manager at Morgan Stanley, is the author of The Value of Debt in Retirement (Wiley) and challenges the conventional wisdom that the best retirement plans shed as much debt as possible – of any kind. Instead, he argues that financial advisers need to adopt a more sophisticated view of client debt, taking advantage of low-cost borrowing opportunities to boost liquidity and wealth. Debate about debt and retirement couldn’t be more timely. The percentage…
  • Retirement investors need patience as bond market wavers

    Mark Miller
    14 May 2015 | 9:56 am
    Fran Kinniry, Vanguard Investment Strategy Group With bond markets in turmoil, what is a 401(k) investor to do? Probably not much. Retirement investors have enjoyed the best of both worlds these past two years: a bull market in both equities and bonds. But the bond market has been weathering volatility and sharp declines since late April, with prices falling and yields rising. Bond experts are not certain that the bond party is over yet, but the recent volatility raises a question: should 401(k) investors take steps to protect themselves in the event of a sharp spike in interest rates and…
  • Are we headed for a one percent phenomenon in longevity?

    Mark Miller
    8 May 2015 | 9:38 am
    Ken Dychtwald Could the one percent soon get to live twice as long as the rest of us – maybe even forever? Immortality may not be in the cards just yet, but exponential breakthroughs in technology and medicine will make possible lifespans of 150 years or more, according to Ken Dychtwald. Dychtwald, a pioneering expert on gerontology, longevity and how the baby boomer wave will impact society, says dramatically longer lifespans will not necessarily translate into healthier years, and the longevity gains will not be experienced by everyone. Instead, we are headed toward a one percent…
 
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    Intelligent Speculator

  • Closing Trade ($TRIP, $P)

    IS
    8 May 2015 | 3:23 am
    Today I am closing another trade, the Feb 17th trade where I went long TripAdvisor (TRIP) and short Pandora (P). I very strongly continue to believe in this trade in the long term but I do not do these trades over the long term so for now, I’m stopped out in what has been a very bad streak. The long & short portfolio is now down 10% this year unfortunately with the 40% of this trade. Hopfully things turn around so I can avoid a negative performance this year. It’s still very early obviously. The post Closing Trade ($TRIP, $P) appeared first on Intelligent Speculator.
  • Closing A Second Bad Trade ($TWTR, $RAX)

    IS
    1 May 2015 | 3:12 am
    After a very promising start to the year, my long & short stock picks are in a bad slump now. I’m actually lucky in a way on this one. I continue to believe in Twitter (TWTR) and can’t imagine them not turning around at some point. I also like the “Periscope” product that they purchased and launched very recently and led me to do something I pretty much never even consider; an earnings play. I almost bought Twitter just ahead of the earnings in what would have been a very bad trade. In the end, playing Russian Roulette did not seem so tempting and I’m glad I…
  • Closing A (Very) Bad Trade on Travelzoo ($TZOO)

    IS
    17 Apr 2015 | 4:26 am
    Well, it’s bound to happen once in a while. When shorting a stock, the two terrible things that I always fear are the company being purchased or having a breakthrough in  earnings. Yesterday, that second scenario happened as Travelzoo (TZOO) announced solid numbers which I will be digging into this weekend if all goes well. In the meantime, that trade easily reached my stop loss and I’ll be closing the trade which stands at -56%! That actually brings me slightly into negative territory for the year, unfortunately. FB data by YCharts The post Closing A (Very) Bad Trade on…
  • Facebook ($FB) Crushing Google ($GOOG) – Is Zuck Just Getting Started?

    IS
    10 Apr 2015 | 2:00 am
    A couple of weeks ago, I updated this blog with my latest thoughts about the ecosystem play. I followed that up with a more detailed analysis of Apple (AAPL) and why I think it remain a screaming buy.  This week, I spent more time looking at the other plays and in an unexpected way, I ended up seeing the need to write about both Google (GOOG) and Facebook (FB) together. As you can imagine from my previous writings, I’m much more convinced about Facebook’s long term growth potential but I think both companies compete much more than most would imagine. Both companies are…
  • Top 100 Dividend Stocks – April 2015 Edition – DSR score

    IS
    1 Apr 2015 | 3:01 am
    Today, I’m back with a look at the top dividend stocks (in terms of yield) in the S&P500. Today I also decided to add a metric that my biz partner and I have been working on, the DSR score. It is a score that includes all kind of data including the dividend yield, the growth in dividends (short and long term), revenues, earnings, debt and payout ratios, etc. We’ve been using it for some time and the results have been very solid. It’s one of many features that we offer on DividendStocksRock. No surprise at all that most of the top dividend payers on this month’s…
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    Don't Quit Your Day Job...

  • The DQYDJ Weekender, 5/24/2014 – The Six Years Edition!

    PK
    24 May 2015 | 3:00 am
    The title says it all – we’ve been maintaining and supporting this website for six years as of today. That’s right – six years and 892 published articles (893 now!) taking you all the way from HSA Arbitrage to the median (and 90th percentile) income of females from ages 18-66 over various years since 1992. I won’t weigh down your Weekender with unnecessary odes to ourselves – we’ll let the quality of our archives do the talking. There will only be one post next week, but trust us – it’s a huge one.  One a lot of you have asked for……
  • Female Earnings by Age – By Year! How Has The Female Income Curve Changed Every Year?

    PK
    21 May 2015 | 2:30 am
    It’s very interesting to view how income shapes up over a career.  Add different years of the recent past inflation adjusted to 2013 dollars all to the shape of a career income curve?  It’s gold Jerry! In our last article, we explored how career income played out by following a single income bracket over time, starting in various years (with a 25 year old).  In these next two articles, we’re going to look at it from the perspective of a single year, first for female incomes, then switching our attention to the males.  In essence, we will graph how the income curve shook…
  • Income by Age: How Income Changes and Increases Over a Career

    PK
    18 May 2015 | 3:01 am
    Ever wonder how income changes over the course of a career? Wondered how a new worker’s salary will look after working a few years – or an entire career? Sure you have – we surely did, and we can tell you that articles like our net worth by age and income by age calculators (actually, the savings rate by age one too) get more than a fair share of views.  The limit of those articles, of course, is that they are a snapshot of conditions at a single time. We were inspired by Economist Guillermo Dominguez’s tweet about the path of median incomes over time.  He took 25-34…
  • What Type of Investors Perform Best?

    PK
    14 May 2015 | 3:03 am
    Yep, it’s kind of a trick question. According to an internal study at Fidelity, and reported on second hand during Bloomberg Radio’s Masters in Business podcast, a hilarious answer was given by guest James O’Shaughnessy: the best performing accounts held at Fidelity were the ones held by people who forgot they had an account. Think about that: there wasn’t a demographic that could beat the returns of people who literally took the old adage of “set it and forget it” to heart. Active Management The blogosphere is full of advice from folks who claim to have the…
  • Inflation Adjusted Palladium Investment Return Calculator

    PK
    11 May 2015 | 3:05 am
    On this page we present an automatically updating (daily) palladium return calculator. Enter any two dates since April 2nd of 1990, and we will compute the annualized and total returns on money invested in palladium between those two dates. We also will automatically adjust the quoted returns for inflation, optionally, if you choose the “Adjust For Inflation (CPI)” option. The prices are PM (2:00 PM local time) London Platinum & Palladium Market clearing prices quoted in dollars per ounce. If you enjoy this calculator, please try some of our other calculators: Real Estate…
 
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    Quizzle Wire

  • Ways to save by cutting the cable cord

    Cathy
    25 May 2015 | 6:00 am
    Not that long ago, there were only a few ways to watch television: antenna, cable, and satellite dish. But nowadays, there are many more options – especially if you don’t need the full range of channels that cable and satellite offer. If you’re looking to save some money by cutting the cable cord, consider these alternatives: Use an antenna. No, I’m not kidding. The stations that broadcast “over the air” (OTA) are still available if you use an antenna. These stations include the major networks (CBS, NBC, ABC, etc.), as well as PBS and some local networks.
  • Home from college for the summer? How to choose the right summer job

    Miranda Marquit
    20 May 2015 | 6:00 am
    College students all over the country are looking for summer jobs to help them earn a little extra money before a new school year begins. If you are hoping to keep busy over the summer and fatten your wallet as well, you want to make sure that you can find the right summer job for you. Here are five tips that can help you get the right summer job for you: Start applying early “Remember the adage: The early bird gets the worm,” says Jeremy Shipp, President of Harbor Wealth Advisors. “If you wait until the summer, it’s probably too late.” That doesn’t mean that you are completely…
  • Student Loan Debt Forgiveness: Real, or a Scam?

    Miranda Marquit
    18 May 2015 | 6:00 am
    With outstanding student debt at more than $1 trillion, and with the rising cost of higher education guaranteeing that students will have to continue to borrow if they want to continue their schooling, one of the big issues right now is student loan debt forgiveness. Student loan forgiveness programs abound, offering graduates hope that some of their debt, at least, can disappear. The good news is that there are programs that can help students reduce the amount they owe on their student loans. The bad news is that, like everything else in life, there are scams out there looking to take…
  • How to start saving for your summer vacation now

    Miranda Marquit
    15 May 2015 | 6:00 am
    North America has a tradition of summer vacations. After the kids get out of school, families like to spend time together. Whether you plan to get on a plane and head to a more exotic locality or rather you plan to take a shorter road trip, now is the time to start saving for your summer vacation. “The bigger your vacation, the more you need to plan,” says Tom Drake, a financial analyst and the owner of LiveRichLiveWell.com. He points out that it might be a little late in the year to start planning a major vacation for the summer. “However, if you want to do something spectacular next…
  • Using your phone to save money (through apps)

    Cathy
    11 May 2015 | 7:35 am
    The advent of ubiquitous smartphones and tablets has led to a new way to save money: apps. There are over a million apps out there for the various platforms, so finding the best ones can be challenging. But the first step is simultaneously simple and complicated: You need to know yourself, your personal finance style, and how you use your phone and/or tablet. After all, there are lots of different ways to save money through apps, and they may not all work for you. So with that in mind, consider the following: Shopping Perhaps the easiest way to save money through apps is when you’re…
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    Get Out of Debt Guy

  • 10 Best Low-Interest Credit Cards for Shopaholics

    Guest Post
    25 May 2015 | 3:04 am
    A credit card is a shopaholic’s best friend. Plastic doesn’t take up a lot of space in our wallets, so using credit is much easier than walking around with a wad of cash. But although a shopaholic doesn’t leave the house without his credit cards, this doesn’t suggest irresponsible use. If you’re going to shop, ... The post 10 Best Low-Interest Credit Cards for...
  • The One Graph That Explains Why a Good FICO Score Matters for Homebuyers

    Guest Post
    24 May 2015 | 6:54 am
    When it comes to buying a home, there’s a lot more to the process than just finding an affordable home for sale and having enough money for a down payment. Most people need loans to finance such a large purchase, but even as the housing market has rebounded from the foreclosure crisis and low property ... The post The One Graph That Explains Why a Good FICO Score Matters for Homebuyers...
  • 9 Essential Steps for Financial Survival

    Guest Post
    23 May 2015 | 11:06 am
    Managing your money well doesn’t have to be a complicated process, and you don’t have to earn a degree in finance to learn how to be financially savvy. It is absolutely possible to live a comfortable, financially fit lifestyle, and it’s a worthwhile endeavor for obvious reasons. There are several essential tools that financially successful ... The post 9 Essential Steps for...
  • Your Discover Card Now Comes With an “On/Off” Switch

    Guest Post
    22 May 2015 | 11:54 am
    Credit card issuer Discover has added a new feature to its personal credit cards, Freeze It, which Discover said in a press release “acts like an on/off switch to stop new purchases on [card members’] accounts, from a mobile device, online or over the phone,” an industry first according to the credit card company. Read: ... The post Your Discover Card Now Comes With an “On/Off”...
  • The Type of People Giving Student Loan Advice – Closers

    Steve Rhode
    22 May 2015 | 11:29 am
    I stumbled across this job listing the other day for some company called Student Loan Solutions. They say they can provide you will valuable advice and, “Our Student Loan Advisors will provide you with full explanations and answers to all your questions about your student loans and the programs that are available to you.” – ... The post The Type of People Giving Student Loan...
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    Creditshout | RSS Feed

  • Review of Avant Personal Loans

    Christine Layton
    20 May 2015 | 9:49 am
    Avant, previously Avant Credit, once had a bad reputation for offering loans with rates of up to 65%. Thankfully, more than just its name changed. The revamped lender of personal loans for those with poor credit now offers much more reasonable interest rates - between 9.95% and 39.95% for loans of up to $35,000. Whether […] The post Review of Avant Personal Loans appeared first on Creditshout.
  • The New Look of CreditShout

    Kevin
    14 May 2015 | 10:54 am
    Welcome to the new look of CreditShout!We are very excited about the changes we made - and we think you will be too. After all, the entire site was reimagined with YOU in mind. That means we made efforts to:​Add new and updated reviews and content.Improve the "readability" of our articles.Make navigation easier.Provide better organization.Enhance […] The post The New Look of CreditShout appeared first on Creditshout.
  • QuickSilverOne MasterCard from Capital One Review

    Christine Layton
    11 May 2015 | 12:26 pm
    Verdict: If you have less than perfect credit, the Capital One® QuickSilverOne® MasterCard allows you to take advantage of the same perks, benefits, and purchasing power granted to those with an excellent perfect credit history. If you are building or rebuilding your credit profile, we think the QuickSilverOne cash back rewards card belongs in your wallet. CapitalOne QuickSilverOne […] The post QuickSilverOne MasterCard from Capital One Review appeared first on Creditshout.
  • Capital One Venture Rewards Card Review

    Dawn Allcot
    7 May 2015 | 9:12 am
    Capital One Venture Rewards Card Review Updated May 7, 2015Verdict: For travelers with excellent credit, Capital One’s Venture Visa card is the best travel rewards card available to accumulate the most miles. Venture from Capital One® Overview CreditShout Rating Excellent Rewards Program:​2x Miles for each dollar spentUnlimited RewardsVisa® Signature Benefits (if you qualify) Signup Bonus:​40,000 bonus […] The post Capital One Venture Rewards Card Review appeared first on Creditshout.
  • Discover it Miles Travel Rewards Credit Card Review

    David
    6 May 2015 | 1:31 pm
    Verdict: The Discover® it Miles travel rewards card is a sterling new credit card for 2015. We think it is the best no annual fee travel rewards card available today - and one of the best reward cards available, period. Discover® it Miles Overview CreditShout Rating Excellent Rewards Program:​1.5x miles for each dollar spentNo annual […] The post Discover it Miles Travel Rewards Credit Card Review appeared first on Creditshout.
 
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    Credit Card Chaser

  • Do You Have More Bills Than Income?

    Logan
    14 May 2015 | 1:41 pm
    Everyone has gone through moments in life when bills just add up to the point where there’s not enough income to pay everything on time. For anyone that is struggling with money as of late, either due to recent unemployment or because expenses have simply spiked uncontrollably, it is possible to slowly recover from this and pay back all of the debts that are owed before they get out of hand. All it takes is patience and a handle on the monthly budget and expenses. The following will take a detailed and in-depth look at 8 things to do when you have more bills than income. 1. Take An…
  • Bad Credit Credit Cards

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

    Logan
    23 Jun 2014 | 4:58 pm
    The Discover it® chrome credit card is one of the newest cards from Discover that brings more cash-back options and rewards to anyone who decides to use it on a regular basis. Many Discover customers are now switching to this card as their personal favorite for a variety of different reasons. Whether it is the 0% intro APR on purchases, balance transfers, or its amazing rewards program, there are definitely more than a handful of reasons to switch to the Discover it® chrome today. This card is almost like having a coupon in your pocket at all times because there are cash rebates available…
  • Citi ThankYou Preferred Card for College Students – Earn 2,500 Bonus Points

    Logan
    20 Mar 2014 | 11:34 am
    The Citi ThankYou Preferred Card for College Students – Earn 2,500 Bonus Points is a new credit card from Citi geared towards college students. Overview of Benefits The Citi ThankYou Preferred Card for College Students – Earn 2,500 Bonus Points allows student cardholders to earn 2,500 bonus ThankYou Points after they spend $500 in the first 3 months that they have the card. In addition, cardholders earn 2 ThankYou Points for each dollar spent on purchases at restaurants and on entertainment, and 1 ThankYou Point on purchases anywhere else. Citi ThankYou Points never expire, and…
  • How to Save Money in 2014

    Logan
    15 Jan 2014 | 7:20 pm
    It’s 2014, the year for you to spend less money. Everyone starts the New Year with grand dreams of saving, getting out of debt, and making more money. But it’s easier said than done. With the end of January around the corner, New Year’s resolutions are starting to lose their steam. But you can maintain your resolution if you try.  Here are some ways to make 2014 the year you save: Create a budget The first thing you should do is set a budget for yourself. People often don’t realize how much money is going into their daily Starbucks run or ordering takeout. So, make a list of your…
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    PR Newswire: Financial Services

  • Sprott Money Launches New International Storage for Precious Metals in Europe, Asia, and the Caribbean

    25 May 2015 | 8:32 am
    TORONTO, May 25, 2015 /PRNewswire/ - For more than five years, Sprott Money Ltd., the most trusted source of investment grade physical bullion, has been storing precious metal investments for clients at facilities located in Ontario, British Columbia and Delaware. Now, clients...
  • Meridian Capital International Fund Announces Change in Shareholdings

    25 May 2015 | 8:24 am
    GEORGETOWN, GRAND CAYMAN, CAYMAN ISLANDS, May 25, 2015 /CNW/ - Meridian Capital International Fund ("Meridian") announced today that, in connection with the closing of the restructuring transaction by Caspian Energy Inc. ("Caspian"), the percentage of Meridian's shareholdings of the...
  • IIROC Trade Resumption - DGI

    25 May 2015 | 7:43 am
    TORONTO, May 25, 2015 /CNW/ - Trading resumes in: Company: Data Group Ltd. TSX Symbol: DGI ( all issues) Resumption (ET): 11:00 AM ET IIROC can make a decision to impose a temporary suspension (halt) of trading in a security of a publicly-listed company. Trading halts are...
  • CIBC Asset Management announces changes to its fund line-up

    25 May 2015 | 7:30 am
    TORONTO, May 25, 2015 /CNW/ - CIBC Asset Management Inc., the manager and trustee of the Renaissance Investments family of funds, today announced plans to terminate the Renaissance Asian Fund and the Renaissance European Fund (the "funds") on or about August 14, 2015. Effective...
  • Por Juan Carlos Machorro: Impulsa Holcim México el desarrollo comunitario

    25 May 2015 | 7:00 am
    CIUDAD DE MÉXICO, 25 de mayo de 2015 /PRNewswire/ -- Mariana Torre, Coordinadora de Responsabilidad Social Corporativa de Holcim México, comentó a este reportero que el objetivo central en responsabilidad social de esta empresa es hacer que la gente en las comunidades...
 
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    Ready To Be Rich

  • Why Investing in the Stock Market Should Be Like Falling in Love

    Fitz
    19 May 2015 | 1:58 pm
    Investing in the stock market should be like falling in love. And here are five reasons why. You should be willing to take the risk. There is a real chance to lose money in the stock market, and that should be okay. Because like surviving a heartbreak – it will only make you stronger. So […]Note:This is just a preview. Read the full article at Ready To Be Rich by clicking this link: Why Investing in the Stock Market Should Be Like Falling in LoveAttend a FREE Personal Finance SeminarLearn practical money management and investing strategies from the IMG Wealth Academy. Get more…
  • 12 Signs That You’re Doing Good Financially Even If You Don’t Feel You Are

    Fitz
    17 May 2015 | 5:44 pm
    Financial freedom is a long journey, and sometimes it can feel as though you’re not making any progress at all towards achieving this goal. It’s normal to feel uncertain about your future, and be doubtful of your financial progress. That’s why it helps to remind yourself once in a while, of how much you’ve actually […]Note:This is just a preview. Read the full article at Ready To Be Rich by clicking this link: 12 Signs That You’re Doing Good Financially Even If You Don’t Feel You AreAttend a FREE Personal Finance SeminarLearn practical money…
  • How To Retire Rich Through Proper Financial Planning: Join The Online Seminar

    Fitz
    12 May 2015 | 12:50 pm
    Are you preparing for your retirement? How sure are you that you will reach your retirement goals in time? How much do you exactly need for your retirement? These are just some of the questions that I will answer in an upcoming online seminar, entitled Retire Rich: Financial Planning for Retirement Webinar. Webinar Details: Date: […]Note:This is just a preview. Read the full article at Ready To Be Rich by clicking this link: How To Retire Rich Through Proper Financial Planning: Join The Online SeminarAttend a FREE Personal Finance SeminarLearn practical money management and investing…
  • My Infamous Blue Book: The Road to Financial Freedom

    Fitz
    6 May 2015 | 2:48 pm
    It’s not easy to maintain a blog, let alone one about personal finance because it’s a topic that was not taught to us in school. As such, I rely most of the time on the lessons I learned from experience and observation, which makes me occasionally question myself if I’m sharing anything valuable to my […]Note:This is just a preview. Read the full article at Ready To Be Rich by clicking this link: My Infamous Blue Book: The Road to Financial FreedomAttend a FREE Personal Finance SeminarLearn practical money management and investing strategies from the IMG Wealth…
  • How To Find What You’re Meant To Do in Life

    Fitz
    4 May 2015 | 3:42 pm
    Last week, I was invited to give a talk about money management to College of Arts and Letters students in UP Diliman. My initial plan was to speak about financial strategies for teenagers, but later on decided to instead, share stories from my life. I told them that I was a licensed civil engineer, who […]Note:This is just a preview. Read the full article at Ready To Be Rich by clicking this link: How To Find What You’re Meant To Do in LifeAttend a FREE Personal Finance SeminarLearn practical money management and investing strategies from the IMG Wealth Academy. Get more details…
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    Cash Flow Planning for Life

  • Alimony and Child Support – From a Financial Perspective!

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

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

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

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

  • I got rich on credit card points

    Joe
    18 May 2015 | 4:00 am
    The David (as I fondly call the entertainer Dave Ramsey) is known for his hyperbole. And his “my way or the highway” view on all things financial. One of his more memorable quotes is “No one ever says they got rich off of credit card points.” It seems to me that if I say so, and offer some supporting evidence, then he’s wrong. If he ever repeats himself, you can reply and tell him you know a guy that did. Let’s start here. This is a snapshot of my 529 account funded solely with the 2% cash back from my credit card. In 2012, I wrote a guest post How I Made…
  • Retired, with mortgage

    Joe
    16 Apr 2015 | 4:00 am
    I’d always thought, and advised others, that to retire, one should have their mortgage paid in full. And that was always my own plan. But, anyone who knows finance knows that you can’t plan on an exact stock market return, you can’t plan on your own health being excellent, nor your marriage outlasting your mortgage. In our case, these things actually all are going pretty well, thank-you. What changed was our income which I posted about a few months back. While we were working, we saved, over 20% per year on average. We topped off the 401(k)s and IRAs, and put aside money for…
  • Still Hungry, Still Walking

    Joe
    30 Mar 2015 | 4:00 am
    A message from my friend, Stephanie – Hello JoeTaxpayer readers! I’m Stephanie, and I blog over at Graduated Learning.  For the past few years, Joe has been incredibly generous by donating to the Walk for Hunger, providing challenge funds toward my fundraising efforts.  It’s been great having that extra push to get family and friends to donate to this very worthy cause.  I’m excited that he’s offered up a challenge for my 4th year doing the Walk! So, here’s some quick information about the Walk for Hunger: The Walk for Hunger is an annual fundraising…
  • What’s happening to FSB?

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

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

  • Retail Coupon Roundup {5/22/2015}

    Lisa Thompson
    22 May 2015 | 10:31 am
    If you’re planning on doing a little shopping this holiday weekend, make sure to print off these great retail coupons before you go! Aaron Brothers – 40% Off 1 Regularly Priced Item (exp: 5/30/2015) Bealls – 20% Off Entire Purchase (exp: 5/26/2015) Big 5 Sporting Goods - 20% Off Up to 2 Regularly Priced Items or 10% Off Up to 2 Sale Price Items (exp: 5/25/2015) Bloomingdales – 20% Off Sale & Clearance Items (exp: 5/25/2015) Bonton - $10 Off $25 Regular & Sale Price Purchase (exp: 5/26/2015) Carsons - $10 Off $25 Regular or Sale Price Purchase (exp: 5/26/2015)…
  • Restaurant Coupon Roundup {5/22/2015}

    Lisa Thompson
    22 May 2015 | 10:27 am
    If you’re heading out to eat on this Memorial Day weekend, make sure to check out these printable restaurant coupons!  There are lots of great deals right now!!! Black Angus Steakhouse - Free 5 oz. Lobster Tail When You Buy Steak Dinner (exp: 6/15/2015) Bob Evans – $4 Off $20 Purchase (exp: 5/31/2015) Brueggers – $1 Off Brueggers Bagel Burger (exp: 5/24/2015) Carls Jr – $1 Off Mile High Bacon, Egg or Cheese Combo (exp: 5/31/2015) Carvel Ice Cream – Buy 1 Get 1 Free Classic Sundae (exp: 5/27/2015) Chuck E Cheese - Free Individual Thin & Crispy Pizza with…
  • Restaurant Coupon Roundup {4/25/2015}

    Lisa Thompson
    25 Apr 2015 | 6:48 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! BJs – $5 Off $25 Purchase (exp: 5/8/2015) Black Angus Steakhouse – Free 5oz. Lobster Tail With Purchase of Dinner Menu Side (exp: 4/27/2015) Bob Evans – $4 Off $20 Purchase (exp: 4/30/2015) Carrabbas – 15% Off Entire Purchase (exp: 4/29/2015) Corner Bakery – $10 Off $50 Catering Purchase (exp: 5/13/2015) Dickeys Barbecue Pit - 10% Off Catering (exp: 4/27/2015) Donatos Pizza…
  • Retail Coupon Roundup {4/25/2015}

    Lisa Thompson
    25 Apr 2015 | 6:46 am
    If you’re planning on doing a little shopping this weekend, make sure to print off these great retail coupons before you go! I’ve been toying with the idea of creating a capsule wardrobe for a while, so if I can get rid of  enough things today, I may head out to the mall tomorrow. Aeropostale – $10 Off $50 or $25 Off $100 Purchase (exp: 5/11/2015) Bonton – 25% Off Regular & Sale Price Womens, Mens & Kids Apparel + More (exp: 4/28/2015) Carters – 20% Off $40 Purchase (exp: 4/29/2015) Express – $15 Off $30 Purchase (exp: 5/5/2015) Lord and Taylor…
  • 42 Easy Ways to Save Money

    Lisa Thompson
    22 Apr 2015 | 2:17 pm
      Saving money is not always an easy task. Sometimes it requires sticking with a strict plan while other times it means taking drastic measures. Well, I am about to tell you that there are 42 Easy Ways to Save Money that require little to no effort! Before I get started I want to say that many of these might seem like common sense. However, often times when people get going with life they tend to forget that making little changes can sometimes have the biggest impact. This list will be a friendly reminder and hopefully also give you some other great ideas you haven’t thought of…
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    Benzinga Feeds

  • Why Frank Zorrilla Likes Twitter As An Investment

    Kevin Riley
    24 May 2015 | 12:30 pm
    Frank Zorrilla was recently a guest on #PreMarket Prep, a daily trading idea radio show hosted by Joel Elconin and Dennis Dick. Zor Capital Founder and Chief Investment Officer Frank Zorrilla discussed Twitter Inc (NYSE: TWTR) Friday on the show.
  • This Stock Is Hitting Record Highs From The Bird Flu Outbreak

    John Seward
    23 May 2015 | 11:57 am
    Cal-Maine Foods Inc (NASDAQ: CALM) shares hit a record high earlier this week amid rising egg prices and worries of impending shortages stemming from an outbreak of avian flu.
  • Otonomy, Renren And Other Names To Watch Heading Into Next Week

    Rahul Kaundal
    23 May 2015 | 11:32 am
    Below are the most active movers to close this week's trading; they're worth watching heading into next week.
  • Why This Expert Loves Wal-Mart...In 2 Charts

    Patrick Williams
    23 May 2015 | 11:24 am
    Market Technician and Eagle Bay Capital founder JC Parets tracks the movement and performance of the stocks in the Dow 30, looking into the companies every week. He recently discussed Wal-Mart Stores, Inc. (NYSE: WMT).
  • The Default Probabilities Of Struggling Energy Stocks

    Wayne Duggan
    23 May 2015 | 11:19 am
    It’s no secret that the energy sector has been hit hard by the collapse in oil prices since mid-2014. Despite a recent bounce-back in oil prices, shares of the United States Oil Fund ETF (NYSE: USO) remain more than 46 percent lower than they were priced this time last year.
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    Much more than debt, IVA and personal finance from ClearDebt.

  • What will the Conservatives do to deal with personal debt?

    Andrew_F_Smith
    13 May 2015 | 2:00 am
    Given that there are almost 46.5 million voters in the UK and 8.8 million (roughly one in five) of them have debt problems, it always strikes us that governments do not pay enough attention to the problems of people in debt. If everyone in debt made their voices heard the politicians would have to listen, but […]
  • What does the #GE2015 result mean for people in debt?

    Kristian Stock
    8 May 2015 | 5:01 am
    The 2015 General Election has been unpredictable and left many people scratching their heads. From a hung parliament to a Conservative majority, what does the result mean for people in debt? We take a quick look the opinions and reactions so far on Twitter. Personal debt is a big issue In our last post about […]
  • Britain’s personal debt and what the General Election could bring

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

    Andrew_F_Smith
    29 Apr 2015 | 6:09 am
    The latest figures from the Government’s Insolvency Service suggest we’ve turned a corner, but perhaps it’s not the obvious one. Look at this first graph. Total personal insolvencies are down. OK, they are still roughly twice as high as they were ten years ago, but they have fallen a long way from their peak in […]
  • ClearDebt agrees mass variation to enable IVA closures

    Kristian Stock
    27 Mar 2015 | 10:13 am
    On Friday 20 March 2015 ClearDebt agreed a mass variation with creditors that finally enables completion certificates to be issued to those customers whose IVAs could not be closed because of the need to investigate PPI mis-selling claims for the benefit of the IVA estate. Commenting, ClearDebt CEO David Mond said, It’s a great relief […]
 
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    Money Watch

  • iZettle Launches Card Reader to Support Apple Pay & Contactless Payments

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

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

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

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

    Rob Lewis
    20 Apr 2015 | 3:58 pm
    The last few years have seen a boom in social travel sites including Airbnb, Wimdu and Couchsurfing. which link travellers with people willing to rent out their sofa, spare room or entire home.  But Gocompare.com Home Insurance is warning people to check with their home insurer, landlord or mortgage provider before signing-up as home-hosts – otherwise they may risk invalidating their insurance and breaking the terms of their lease or mortgage agreement. Ben Wilson, from Gocompare.com Home Insurance, explained: “Airbnb and other social travel websites have become hugely popular in recent…
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    Yes, I Am Cheap

  • MoneyChat The Book Q & A

    Sandy Smith
    3 May 2015 | 9:29 am
    I’m excited because Dorethia Conner Kelly, a fellow financial blogger, coach and friend, has released her new book by the name of… well… #MoneyChat THE BOOK, today! Dorethia runs the #MoneyChat conversation that takes place on Twitter every week.  This informative conversation always covers a wide variety of topics in personal finance, with practical information that everyone can use to improve their finances. Not only did I want to support Dorethia and her amazing book as she has a launch party today, I want you to get your hands on a tool that offers realistic solutions to getting a…
  • Pulling Off A $5,000 Wedding

    Sandy Smith
    3 Apr 2015 | 12:26 pm
    I’m a Twitter-aholic. I mean, I have a serious Twitter problem.  If you check my Twitter feed, there are tweets going out all day all the way until at least 7pm Eastern time every single day.  So, I bumped into this hash tag, #5Kwedding where people are essentially making fun of individuals who may have had a tiny budget for their wedding.  The assumption is that if you’re spending less than $5,000, your wedding is, to coin a phrase, a hot ghetto mess. So, here I am on my own #5kwedding challenge, (yes, you can follow that hash tag on Twitter for my tips) and I’m in New…
  • 6 Strategies For Saving Money On Your Mortgage

    Sandy Smith
    23 Mar 2015 | 6:00 am
    Now that I am the proud owner of a new mortgage of my rental property, I’ve been thinking about how quickly I can pay this loan off and reduce my mortgage costs. What I’ve realized is that paying off a large loan such as a mortgage can seem decades away, but if you apply a few strategies, not only can you pay your mortgage off faster, but you can save thousands of dollars in the process. I’m all about having this as simple as possible, so I looked for the easiest ways to get both of these tasks accomplished. Today I present you with six simple ways to reduce your mortgage…
  • I Opened 3 Credit Cards And My Credit Score Went Up

    Sandy Smith
    13 Mar 2015 | 10:33 am
    At the end of January while I was snowed in one day, I sat down and threw a few of the rules that many personal finance experts recommend right out the window.  I applied for three different credit cards in one sitting.  Egads, you say! Yes, three new credit cards.  I know that you want to ask what could possible have motivated me to do that and you’re probably concerned that I am developing bad habits that will plunge me back into debt.  Not at all.  What I’m doing is using my credit wisely. The three cards that I added each have 50,000 point rewards when spending…
  • IRS Early Filing Tax Refund Scam Growing Like Mad

    Sandy Smith
    23 Feb 2015 | 6:00 am
    There’s a relatively new scam in town that’s been picking up speed like a bullet train and you might already be a victim. This scam involves identity thieves using your information to file electronic returns with the IRS claiming refunds, some much higher than you would be entitled to, and pocketing the funds before you have had a chance to file your tax return.  The U.S. Government Accountability Office (GAO) states that there was a 62% increase in this crime from 2011 to 2012.  Haven’t heard about it? Get ready to be scared into action. Identity thieves used to be…
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    Money Reasons

  • Why Increasing Minimum Wage By Doubling it to $15 Is Harmful For The US

    Money Reasons
    22 May 2015 | 3:10 pm
    The current Federal Minimum Wage is $7.25, but there is a “doubling” proposal by various group and media channels that are interested in increase it to $15.  Personally, I think that is a very bad idea, and below are the top reasons why:Why Doubling the Minimum Wage is a bad ideaSmall Employers and small companies starting out will be squashed.  Companies, much like human are born small with a small footprint.  Over time they grow and become larger, at that point they can afford to spend more money because they have more financial leverage to do so.  In fact, as they grow,…
  • Three Options to Avoid Filing for Bankruptcy

    Money Reasons
    12 May 2015 | 7:59 pm
    Drowning in Debt With No Way Out: Three Options to Avoid Filing for BankruptcyDebt is very easy to accumulate, but never as easy to get rid of. Whether you’re in debt as a result of unexpected circumstances, or simply from improperly handling your finances, the stress of dealing with the aftermath can often be stressful to say the least. According to an article in the HuffingtonPost, approximately 35 percent of Americans have some form of debt that has been turned over to collections. Many of them end up having to file for bankruptcy as a means to find some relief. While bankruptcy may…
  • Proof That Buy and Hold Still Makes Sense

    Money Reasons
    18 Apr 2015 | 1:16 pm
    After the shock and hit from “The Great Recession”, everybody and their cousins came out and said that the “buy and hold” strategy doesn’t work and the days of 9 to 10% annual returns were over.So, I decided to come to the defense of the buy and hold strategy once again.  Back in one of my earlier articles called, “Is Buy And Hold Investing Dead“, I stated that I was basically going to stay the course and not deviate much from that philosophy.  As a result, I’m happy to say that my Annualized Return is above 9% again (9.3% to be exact). …
  • Can You Really Negotiate Rent Prices

    Money Reasons
    18 Mar 2015 | 4:17 pm
    You might be wondering can you really negotiate rent pricesA landlord has the right to increase your rental rate once your lease expires. At that point, you will, of course, have had a heads up of this happening. So should you sit around and just accept it or move out? No, you should try to negotiate your rent. Negotiation can be done based on monetary value as well as time saving factors. The worse that can happen is your landlord says no.Review Your Good Tenancy with ThemTalk to your landlord about how much you appreciate your living situation. You are a good tenant, and it is worth their…
  • Should You Downsize Your Home To Rightsize Your Life?

    Money Reasons
    27 Jan 2015 | 9:19 pm
    Should You Downsize Your Home To Rightsize Your Life?Sometimes downsizing your home may just be the best way of rightsizing your life. If you’re wondering how you could possibly manage to live in a smaller home, let’s put things in perspective….In the 21st century, most American families live in much larger homes than those enjoyed by previous generations with far larger families. In the 1950s, average houses were about 1,000 square feet. In the 1970s, average houses were about 1,400 square feet. Then, by 2004, average houses were as much as 2,330 square feet. And now, they are…
 
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    Self Directed IRA Store

  • What is a 401k? Here’s a Quick Explanation

    SelfDirectedIRAStore.com
    2 May 2015 | 9:18 pm
      A 401k is a retirement savings plan sponsored by an employer.  It allows employees to save and invest a portion of their paycheck before taxes are taken out.  Taxes are not paid until the money is withdrawn from the account. 401k plans, named for the section of the tax code that governs them, came… The post What is a 401k? Here’s a Quick Explanation appeared first on Self Directed IRA Store.
  • Fidelity 401k Millionaires:  The truth about how to join this club (or not).

    SelfDirectedIRAStore.com
    8 Apr 2015 | 11:30 pm
    Fidelity recently examined the habits of Fidelity 401k millionaires. Here is what they came up with. Recently, Fidelity, one of the largest 401k retirement account administrators in the United States, reported that the number of people who had a 401k worth more than $1 million had increased by more than 100% last year.  Fidelity wants… The post Fidelity 401k Millionaires:  The truth about how to join this club (or not). appeared first on Self Directed IRA Store.
  • 401k Plans Now Offer Self Direction

    SelfDirectedIRAStore.com
    23 Mar 2015 | 12:33 am
    Employees of companies large and small are demanding alternatives to the constantly deteriorating choices of funds available to them via their traditional 401k plans, so many employers are now adding a self-directed 401k option.  This is great news for more experienced investors, but account holders must be careful that their plan is truly self directed… The post 401k Plans Now Offer Self Direction appeared first on Self Directed IRA Store.
  • What are the Best Self Directed Roth IRA Investments?

    SelfDirectedIRAStore.com
    27 Jun 2014 | 11:01 pm
    Self Directed Roth IRA's are exploding in popularity and it's no secret why: a tax-free withdrawal at retirement is quite appealing, especially to the younger investor who has several decades to invest before retirement. A lesser-known benefit of a Self Directed Roth IRA, however, is that you have freedom of choice in your investments, including… The post What are the Best Self Directed Roth IRA Investments? appeared first on Self Directed IRA Store.
  • New Tax Court Case Confirms Validity of “Checkbook Control” Self Directed IRA LLC Structure

    SelfDirectedIRAStore.com
    19 Nov 2013 | 10:48 am
    TC Memo 2013-245 confirms legality of using self directed IRA LLC to make investments without triggering an IRS prohibited transaction The Tax Court in T.L. Ellis, TC Memo. 2013-245, Dec. 59,674(M) recently held that establishing a special purpose limited liability company (“LLC”) to make an investment did not trigger a prohibited transaction as a newly… The post New Tax Court Case Confirms Validity of “Checkbook Control” Self Directed IRA LLC Structure appeared first on Self Directed IRA Store.
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    Smart Balance Transfers

  • Citi Simplicity Versus Chase Slate Balance Transfer Offer

    Jason Steele
    25 May 2015 | 4:00 am
    There are many credit card users who need an interest free promotional financing offer for balance transfers that will allow them to forgo interest charges while they pay off their debt. Two of the best offers currently available are the and the . Slate offers 15 months of 0% APR financing on both new purchases […]
  • Citi Double Cash Versus Discover it Miles

    Jason Steele
    22 May 2015 | 4:00 am
    There are many cardholders who want to earn the most possible cash back from their credit cards, and they have many outstanding products to choose from. Citi’s Double Cash card and the new Discover it Miles are two of the leading reward cards offered. Citi’s best cash back card features 1% back on all purchases […]
  • Citi Double Cash Offers The Best Rate Of Cash Back, With No Annual Fee

    Jason Steele
    20 May 2015 | 4:00 am
    Some cardholders aren’t interested in airline miles or hotel points. Also, they don’t want to earn points in some complicated bank rewards scheme. For these cardholders, the most important reward that they can receive is the highest possible rate of cash back. And while there are many cards that offer higher levels of cash back on […]
  • Citi Simplicity, Now With 21 Months Of 0% APR Financing

    Jason Steele
    18 May 2015 | 4:00 am
    For several years now, the best promotional offers featured, at most 18 months of interest free financing on new purchases, balance transfers, or both. But today, that is no longer the case. The Citi Simplicity card now reigns supreme, with an amazing 21 months of 0% APR financing on both new purchases and balance transfers, […]
  • Best Rewards Credit Card Deals For May

    Jason Steele
    15 May 2015 | 4:00 am
    Responsible credit card users who always pay their balances in full earn valuable cash back rewards without paying any interest charges. This May, credit card users can choose from some outstanding offers in order to maximize the cash back that they receive. Cardholders receive 1% cash back when they make a purchase, plus another 1% […]
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    Credit.com

  • 5 Little ID Theft Warning Signs You Shouldn’t Ignore

    Patricia Oliver
    24 May 2015 | 9:01 pm
    While you secure your identity by password-protecting your accounts and only giving your information to organizations that need it, there are still ways that identity thieves can steal your personal data. Not only can you go long periods without noticing you’ve been a victim, criminals could ring up excess charges that could damage your credit for years. Although it’s easy to think that a billing company made a mistake, you should follow up on any late payment notices or other red flags that could indicate you are an identity theft victim. Here are five little warning signs of…
  • How to Get Financially Ready to Be a Stay-at-Home Parent

    AJ Smith
    24 May 2015 | 9:01 pm
    While many American households feature two working parents, there are plenty of expectant mothers and fathers who want to stop their traditional jobs to care for children — at least for a time. Whether it is the mother or the father who will be focusing primarily on child care, there are some big financial issues that come with this lifestyle change. Here are some tips on how to prepare your family’s finances for having a stay-at-home parent and (primarily) living off of one income. 1. Discuss Becoming a stay-at-home parent may seem personal, but it is a major family decision. It’s…
  • Help! Workers’ Compensation Wrecked My Credit

    Gerri Detweiler
    24 May 2015 | 9:01 pm
    A reader, “Anngie,” recently contacted us to ask what she could do about credit damage from a bill that should have been paid by workers’ compensation. Here’s what she told us: “A workmans comp claim not paid from 2012 is on my credit report. I am working with all parties to resolve…but how do I remove the negative impact on my report….I don’t want it to look as if I paid it & it was my responsibility & allowed it to remain for 3 years unpaid. Can I have the company fax somewhere to validate this was not my collections? If this is…
  • How to Graduate From a Secured Credit Card

    Jason Steele
    24 May 2015 | 9:01 pm
    When you have bad credit, it can feel like no one will give you a loan, even though you can’t rebuild your credit history without one. Secured credit cards can offer a way out of this conundrum because issuers typically approve nearly all applicants for these kind of cards, regardless of credit history. But in order to open a secured credit card account, you first have to submit a refundable deposit, which typically becomes your credit limit. Naturally, many secured card users look forward to later opening a standard credit card account, and receiving their security deposit back.
  • 4 Tips for Breaking Your Apartment Lease

    AJ Smith
    23 May 2015 | 9:01 pm
    One attractive aspect of renting vs. owning a home is the lack of a long-term commitment. While it may seem that renters can pick up and go at the drop of the hat, there are still usually agreements in place. You may not be able to sneak away from a lease in the middle of the night without consequences, but there are steps you can take to minimize the penalty of leaving your rental agreement early. You’ll also want to be aware of any potential impact on your credit. 1. Know Your Rights & Your Lease Before you get started on the process, it’s a good idea to look over your lease…
 
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    The Allstate Blog

  • How to Budget for Your First Apartment

    Cristel Mohrman
    25 May 2015 | 5:00 am
    Moving out on your own can be both exciting and scary. While you gain independence, you may also have to manage the costs of housing and other expenses on your own for the first time. If you don’t know how to budget for your first apartment properly, this may be challenging. So, how do you prevent yourself from getting into a situation that could leave you in debt? Before choosing your first apartment, you may want to consider your savings, regular income, ongoing bills and upfront costs for moving. Taking into account each of these factors can help you determine what you can afford. Learn…
  • Planning Maternity Leave: Know Your Options to Make it Work for You

    Nicole Markle
    19 May 2015 | 3:03 am
    For expectant mothers who work, planning maternity leave for the first time can prompt many questions: How much time off can I take? What options do I have for paid leave? When should I tell my employer that I’ll need time off? Every mom’s situation is different, so whether you work full-time, part-time or are self-employed, you might want to start considering your maternity leave options early, so you can plan to spend as much time as possible with your new baby. Paid Leave for In-Office Moms Depending on your employer’s benefits, you may have a few choices when planning…
  • What to Do After an Earthquake: Safety Tips

    Cristel Mohrman
    18 May 2015 | 4:00 am
    In the aftermath of an earthquake, it’s understandable that you may feel a sense of panic. Buildings may be damaged, people could be hurt and community infrastructure and services could be affected. Or maybe power lines are down, street lights stopped working and your street is full of debris. Such circumstances can be pretty scary, but you can take certain measures to help keep you and your family safe. Try to stay calm and keep the following tips in mind when reacting to an earthquake. Check Your Property Earthquakes may cause structural and utility damage to a home. If you think…
  • Penny-Wise Tips for New Parents: Everyday Expenses

    Brendan
    14 May 2015 | 3:00 am
    Two of the most important, fundamental aspects of having baby can also be two of the most expensive: food and daily care. As your baby grows, your food expenses will grow as well. Whether it’s formula or cereal, or homemade or canned baby food, your baby’s needs will continue to expand. In addition, many families require some form of day care, be it in the form of family members, nannies or structured day care facilities. Creating a plan for the care and feeding of your newborn can be daunting and expensive. In the video below, our experienced parents offer real-world advice on…
  • Penny-Wise Tips for New Parents: College Savings

    Brendan
    13 May 2015 | 3:00 am
    Raising an infant requires the parents to focus on the present. The numerous responsibilities regarding health, day care and daily budgeting can fill most of the waking hours of any parent, sleep-deprived or not. That said, saving for college or post-secondary education is a common concern for new parents that shouldn’t be overlooked. While there are many financial vehicles and tools for educational saving, there are just as many opinions and saving strategies. In the video below, our veteran parents offer suggestions based on their real-world experience, helping to reduce the stress…
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    Centsible Life

  • Affordable Prescription Sunglasses For Summer

    Kelly
    22 May 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.
  • He’s okay.

    Kelly
    21 May 2015 | 12:00 pm
    Centsible Life's feed has moved! Update your reader now. This feed has moved to: http://www.thecentsiblelife.com/feed/ Update your reader now with this changed subscription address to get your latest updates from Centsible Life.
  • 5 Ways To Save The Most On Baby Gear {sponsored}

    Kelly
    21 May 2015 | 9:32 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.
  • 7 Frugal + Easy Non-Food Party Favor Ideas

    Kelly
    20 May 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.
  • May Meal Plan: Week Three

    Kelly
    18 May 2015 | 4:59 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

  • Memorial Day

    Bill Bonner
    25 May 2015 | 7:00 am
    This post Memorial Day appeared first on Daily Reckoning. “Fortune is rightly indignant at those who break with the customs of the past.” — Winston Churchill My calendar says that today is the day traditionally set aside to remember those who fought in America’s wars. Not one to trifle with tradition, I will do so. The contrarian insight is a traditionalist’s one. Certain market relationships have endured for many years. The relationship of price to earnings, for example. There is no law that says P/Es can’t be higher…or lower…in the future. But the person who…
  • When Genius Fails Again, Part I

    Addison Wiggin
    22 May 2015 | 1:06 pm
    This post When Genius Fails Again, Part I appeared first on Daily Reckoning. “They had the Ph.D.s,” Jim Rickards was saying, “They had the prizes. They had the Nobel Prizes. They had the faculty positions. They had the thousands of students. They had the prominence, preeminence. And they were all twice as smart as I was.” Jim was referring to his colleagues, during and after, the collapse of Long Term Capital Management (LTCM) in 1998. Jim not only had a front-row seat as a leading attorney for the firm, but during the bust, he lost 92% of his own net worth… in one week.
  • Your Brain — Addicted to Reward

    Stephen Petranek
    22 May 2015 | 11:10 am
    This post Your Brain — Addicted to Reward appeared first on Daily Reckoning. Brain research over the last several decades continues to show a pattern that is becoming undeniable — if you regularly take a drug that acts on the brain, you will likely change how your brain functions for the rest of your life. This phenomenon has long been suspected with anti-anxiety and anti-depression medications that inhibit the reuptake of serotonin, which is a neurotransmitter between brain cells. Cocaine is derived from the leaves of the coca plant, grown in western South America. Many people may…
  • How to Profit from the Rise of the “Beer Snob”

    Greg Guenthner
    22 May 2015 | 7:15 am
    This post How to Profit from the Rise of the “Beer Snob” appeared first on Daily Reckoning. Warning: the bubble’s about to burst! No silly, not the stock bubble everyone thinks we’re in. The beer bubble… That’s right. The beer market might be getting a little too heady these days. Too many craft beers—yet not enough craft beer drinkers to keep everyone rolling in profits. But the good news is that the larger craft brewers will do great. And today we’re gonna grab the best of ‘em… There are just way too many craft breweries popping up all over the place. It’s…
  • Chuck Butler: Power is Shifting from the West to the East

    Peter Coyne
    21 May 2015 | 1:45 pm
    This post Chuck Butler: Power is Shifting from the West to the East appeared first on Daily Reckoning. We recently had an interesting conversation with our friend, Chuck Butler, of Daily Pfennig fame. Well, today we finally get around to publishing it for you. Chuck, if you’re unfamiliar with him, is one of the longer-running voices in these reckonings. In addition to penning the Daily Pfennig, he’s the managing director of EverBank’s Global Markets Group. “For 16 years,” wrote our founder, Addison Wiggin, on March 22, “while variously writing The Daily Reckoning and The 5 Min.
 
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    Canadian Finance Blog

  • Is CIBC Investor’s Edge Right for You?

    Tom Drake
    25 May 2015 | 5:00 am
    When you think of investing in Canada, chances are that you don’t think of many online brokers. While they make things easy, the reality is that if you compare what we pay for investing here in Canada with what they pay in the States, we kind of have the short end of the stick. Investors in Canada have been looking for access to low-cost trading for some years, and one of the online discount brokerages that can help you with your self-directed investing, and that is reasonably priced, is CIBC Investor’s Edge. What Does CIBC Investor’s Edge Offer You? Investor’s Edge is offered by…
  • How to Make Spending and Earning Simple

    Tom Drake
    19 May 2015 | 5:00 am
    Think about the last time something gave you delight. Chances are, it was a small thing. In fact, a recent American Express survey found that 94% of Canadians agree that they are delighted by the simple pleasures of life. The survey found that some of the delightful moments that can occur in everyday life include: Finding money you didn’t realize you had, perhaps in a pants pocket or a jacket pocket. Not realizing you had chosen a sale item until reaching the cash register. Being bumped to first class on a plane, or upgraded to a hotel suite. Realizing there is time remaining at the…
  • How to Make Household Items Last Longer

    Tom Drake
    11 May 2015 | 5:00 am
    When you are looking to save money, sometimes it matters less about how much you pay for something and more on how long you can make it last. You’ll spend a lot less on buying new items if you can stretch the lifespan of things that you already have. Not only that, but you will also be living more sustainably. It’s a win-win for you and for the environment. Simple Tips for Extending the Lifespan of Household Items You don’t have to make big changes to save money on your household items over time. The first thing to do is take care of what you have. Learn how to properly…
  • The Best Student Credit Cards of 2015

    Tom Drake
    4 May 2015 | 5:00 am
    These days, if you want to be able to buy a house later or get a good deal on your insurance rates, you need good credit. One of the easiest ways to build good credit is with the help of a credit card. If you are responsible in your use of credit, making occasional purchases and paying them in full before you are charged interest, you can build a good credit history. The best student credit cards in Canada help those who have little to no credit established themselves. You can start building a financial reputation with the right credit card. Below are the best credit cards for students.
  • What is CMHC Mortgage Insurance?

    Tom Drake
    27 Apr 2015 | 5:00 am
    When you buy a home, your best results will come when you make it a point to make a 20% down payment. However, for some Canadians, that much of a down payment is prohibitive. So, what can you do if you can’t make such a big down payment? If you are willing to pay extra for your mortgage, you can get special insurance to help lenders feel better about approving you for a loan with less than 20% down. The Canada Mortgage Housing Corporation provides mortgage loan insurance to lenders for home buyers with a down payment of less than 20%, to as low as 5%. It offers a way for borrowers to…
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    The Dividend Guy Blog

  • Best News of the Year; US Consumers are Not Spending!

    DivGuy
    25 May 2015 | 6:58 am
    Last week, Walmart (WMT) disappointed investors by telling them probably the best news of the quarter: Americans are saving their money instead of spending at Walmart. Don’t get me wrong, I wasn’t the happiest investor on earth when WMT published a declining profit (-7%) and missed analysts’ estimates for sales. The list of excuses offered various explanations; currency headwinds (which seemed to be the buzzword for this quarter across all companies), rising wage costs (another problem facing other big firms with low income employees) and… the fact that US consumers are not buying…
  • Dividend Reads for the Weekend

    DivGuy
    22 May 2015 | 6:22 am
    It has been a rough two weeks for me. Nothing really special happens but I started to feel the weight of the big train I decided to push forward since January; working out 4 times a week, working 60-70hrs per week; coaching my son at soccer 3 times a week, being part of 2 fund raising committee (one for school and one for poor children in my city), etc. So far, I’ve way ahead in each goal I’ve fixed in the beginning of the year. But over the past two weeks, I’ve slowed down; I just couldn’t keep up. I’m taking this weekend off as I won’t do much in order to gain back some energy…
  • Finding the Right Stock in The Current Market

    DivGuy
    21 May 2015 | 2:21 am
    Have you taken a look at the recent earnings? It is without any surprise that many US companies posted slow revenue growth due to either a “challenging” environment or (an even more common excuse: due to a strong US dollar. I follow primarily dividend stock results and many of them are international businesses. No need to explain that a strong US dollar is hurting many dividend stocks in particular. The market didn’t overreact as it was more a mild earnings season without many surprises.   What you Need to Know about the Latest Earnings 71% companies beat analysts’ estimates in…
  • What I Hope My Kids Will Learn From Me About Money

    DivGuy
    19 May 2015 | 10:42 am
    Last week, Income Surfer wrote a great piece about the money advice he learned from his parents. He suggested I come with a piece about how I ‘try’ to teach my children about money. I thought it was a great idea because while I find it very easy to manage money, I’m not too sure about how I want to teach my kids about how it works. I must admit; I didn’t receive the best money education while growing up either…   My Parents + Money = Bankruptcy My relationship with money didn’t start very well; at the age of 14, my parents went bankrupt. They told me it was not their fault,…
  • Dividend Reads for the Weekend

    DivGuy
    15 May 2015 | 2:00 am
    Oh well, my Habs are now planning their summer vacation, but the best team won; congrats to all Bolts fans! You have a great team (but I will cheer for the BlackHawks! Hahaha!). On the blog, I’ve shared the first draft of my itinerary. Some readers already started to give me some tips; if you haven’t taken a look, let me know what you think here! Then, I analyzed two stocks this week: Lockheed Martin (LMT), Nice Run, But What’s Left? Hasbro (HAS); The Growth is in Licensing Products (And There is More to Come) Here’s what is interesting this week on other blogs; Interesting Reads:…
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    Steadfast Finances

  • Frugal Ways To Eat Healthy

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

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

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

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

    JP
    9 Feb 2015 | 3:00 am
    I have a confession to make; I like to obsess about things. Whether it is collecting, making money or hobbies like blogging; I tend to take things to the extreme. According to economics, obsession does not pay good returns. Law of Diminishing Returns The economic law of diminishing returns states that at some point; adding an additional unit of production will result in lower marginal returns. Get that? In plain English it means that you have limits and if you exceed those limits your quality and/or quantity of work will be less than your best. For example, I write for several websites.
 
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    The SpendLessTV.com Money-Saving Blog

  • Make Mother’s Day Magnificent (and Budget-Friendly)

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

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

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

    SpendLessTV.com
    13 Apr 2015 | 5:00 am
    U.S. National Arbor Day:  The Last Friday in April  The beauty of trees alone is enough reason for us to want to surround ourselves with as many trees as possible, but it’s not the only reason. Here are a few more reasons why surrounding yourself with trees is a good idea. From The ColoradoTrees.org article, Benefits of Trees in Urban Areas: Trees remove carbon dioxide from the air and give out oxygen. A healthy tree stores about 13 pounds of carbon annually. An acre of trees absorbs enough CO2 over one year to equal the amount produced by driving a car 26,000 miles. Trees also…
  • 8 Earth Saving and Money Saving Household Tips

    SpendLessTV.com
    11 Apr 2015 | 1:58 pm
    Earth Day: April 22 We’ve been eco-conscious for decades (more decades than we care to mention.) We consider ourselves to be fairly eco-friendly, and are happy to do our bit in terms of recycling, reusing, repurposing, shopping eco-friendly whenever possible, planting trees over and above our carbon footprint; and we do know that being green also adds up to some real decent money savings, which makes us even happier… and even still, while grocery shopping recently, we came across one astonishing little fact that really took us back. Printed on the front of a plastic bag of brown…
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    MoneyProblems.ca

  • Reset Your Money Thermostat

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

    Gail Vaz-Oxlade
    6 May 2015 | 5:00 am
    Being good with money isn’t just about making lots and lots of it. It’s about learning what to do when you get your sticky paws on it. There are heaps of people making big money who don’t have two red cents to rub together. Driven by emotion or determined to... Read more The post What’s Your Money Style? appeared first on MoneyProblems.ca.
  • What’s Your Money Blueprint?

    Sarah Milton
    29 Apr 2015 | 5:00 am
    Five years ago, my financial situation was very different from what it is right now. A series of bad choices in my 20s, combined with some of those nasty “curveballs” that life throws at you every so often, had resulted in a lot of debt and a very keen understanding... Read more The post What’s Your Money Blueprint? appeared first on MoneyProblems.ca.
  • How To Use Rewards Cards Carefully

    Moneyproblems Answers
    22 Apr 2015 | 5:00 am
    Using credit cards to earn rewards can be a good choice if you know how to manage them carefully and avoid some common pitfalls. Our infographic points out 4 common facts you should consider when using your cards to earn points, no matter what rewards program you choose. The post How To Use Rewards Cards Carefully appeared first on MoneyProblems.ca.
  • 5 Ways To Find More Money To Pay Off Debt

    Sarah Milton
    15 Apr 2015 | 5:00 am
    Over the past five years, I’ve been on a mission to get out of debt. Bad choices in my 20s, combined with a marriage breakdown and a job loss left me in a deep hole which has been an adventure to climb out of. While I wouldn’t wish my experiences... Read more The post 5 Ways To Find More Money To Pay Off Debt appeared first on MoneyProblems.ca.
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    JoeTaxpayer

  • I got rich on credit card points

    Joe
    18 May 2015 | 4:00 am
    The David (as I fondly call the entertainer Dave Ramsey) is known for his hyperbole. And his “my way or the highway” view on all things financial. One of his more memorable quotes is “No one ever says they got rich off of credit card points.” It seems to me that if I say so, and offer some supporting evidence, then he’s wrong. If he ever repeats himself, you can reply and tell him you know a guy that did. Let’s start here. This is a snapshot of my 529 account funded solely with the 2% cash back from my credit card. In 2012, I wrote a guest post How I Made…
  • Retired, with mortgage

    Joe
    16 Apr 2015 | 4:00 am
    I’d always thought, and advised others, that to retire, one should have their mortgage paid in full. And that was always my own plan. But, anyone who knows finance knows that you can’t plan on an exact stock market return, you can’t plan on your own health being excellent, nor your marriage outlasting your mortgage. In our case, these things actually all are going pretty well, thank-you. What changed was our income which I posted about a few months back. While we were working, we saved, over 20% per year on average. We topped off the 401(k)s and IRAs, and put aside money for…
  • Still Hungry, Still Walking

    Joe
    30 Mar 2015 | 4:00 am
    A message from my friend, Stephanie – Hello JoeTaxpayer readers! I’m Stephanie, and I blog over at Graduated Learning.  For the past few years, Joe has been incredibly generous by donating to the Walk for Hunger, providing challenge funds toward my fundraising efforts.  It’s been great having that extra push to get family and friends to donate to this very worthy cause.  I’m excited that he’s offered up a challenge for my 4th year doing the Walk! So, here’s some quick information about the Walk for Hunger: The Walk for Hunger is an annual fundraising…
  • What’s happening to FSB?

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

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

  • The Financial Benefits Of Joining The Military: Free Education, Great Retirement, And More!

    Financial Samurai
    25 May 2015 | 2:38 am
    Raising The Flag in Iwo Jima 1945 The following is a terrific guest post from Spencer, a captain in the US Air Force, who gives a complete overview of the financial benefits of joining the military. Spencer has been publishing on Military Money Manual for the past three years, helping military folks achieve financial independence. There are many different paths you can take in life. Blue collar, white collar, no collar – the jobs you do often reflect your upbringing. If you come from an affluent community or family, one path you might not have considered is joining the military.
  • A Way To Level The Playing Field: Create A Wealth Identification System

    Financial Samurai
    23 May 2015 | 3:38 am
    Wealth Identification Program A long time ago, one of my tenants who drove a Range Rover told me, “I need an extra day to pay rent in order to withdraw money from my trust fund. Can you wait?” I thought to myself, you knew today was move-in day when rent would be due, couldn’t you have planned ahead? This is not how a new tenant / landlord relationship should start. “OK, please send in your portion of the rent the following day,” I responded, trying to hide my annoyance. This was the first time anybody ever admitted to having a trust fund. Why was I taking the…
  • Strengthen Your Brand By Registering Your Name Online

    Financial Samurai
    21 May 2015 | 3:08 am
    Strengthen your brand! Do you know what one of the first things an employer does before interviewing a prospective employee? They Google your name to learn all about you. If they happen to forget searching your name beforehand, if you’ve made a good impression, they’ll certainly search afterwards. Sites like LinkedIn and Facebook flourish because people have decided to provide these sites massive amounts of content for free. Unlike Financial Samurai, where I’m the main creator of content.  If you don’t have a LinkedIn account and are interested in employment…
  • Candid Advice For Those Joining The Startup World: Sleep With One Eye Open

    Financial Samurai
    19 May 2015 | 3:08 am
    Sleep w/ one eye open Ever since college graduation in 1999, I’ve had equity ownership in every single company I’ve worked for. When you get equity, no matter how small it is, you tend to pick up the litter in the hallway, champion your company outside of work, and work harder than the actual value of your total compensation. In short, having equity makes you care more! Pride of ownership is important for maximizing employee production. There’s just one problem: sharing. If you’re a founder, you’ve got to have the generosity and foresight to let your employees…
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    Automatic Finances

  • Ted Cruz and the IRS

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

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

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

    Jason Unger
    2 Mar 2015 | 11:57 am
    I’ve loved online savings accounts ever since I saw my first bit of interest accrue in my ING Direct account way back in 2006. I was at work, had checked my balance in the morning, and then checked again later in the day … only to find I had more money in my account. It was the greatest feeling ever, and really got me energized to save and invest. Of course, those were the days of 5%+ interest rates, so money was basically growing on trees at that point. Interest rates are waaaay lower these days, so you’re not going to get that type of return now, but you certainly can get…
  • How We Saved Enough Money for a Down Payment on a House

    Jason Unger
    26 Feb 2015 | 7:55 am
    We’ve owned our house for nearly 6 years now, which is pretty unbelievable. It doesn’t sound like an incredibly long time, but over the course of those six years, a lot has happened. Our daughter was born just a few months before we moved into the house, so it was a pretty crazy time in our lives in general, but over those six years, here’s a sampling of what’s happened. Our daughter was born (about six weeks before we made an offer on the house that was accepted) My wife stopped working to be a stay-at-home-mom I got laid off from my job at the height of the recession…
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    Saving Money Today

  • Save 42% at Bluehost Through the End of May

    Mike
    6 May 2015 | 5:45 am
    If you’re looking for a great web hosting provider that won’t cost an arm and a leg then you’ll want to take a look at Bluehost. I’ve been a happy Bluehost customer for years and I’ve never had a problem with them. They host all my sites including this site and Wealthy Turtle too. And now is the best time to sign up for a new hosting account because you can lock in savings of up to 42% through their special sale that only runs through the end of May. Just click the link below to save, no Bluehost coupon code required. Save Up To 42% OFF Our Starter Shared Hosting…
  • Outback Printable Coupon – Save 15%

    Mike
    28 Feb 2015 | 8:08 am
    Check out the link below for an Outback printable coupon to save 15% off your entire check (excluding alcohol, tax, and gratuity) for either lunch or dinner at participating Outback Steakhouse locations. This is good for either Dine-In or Curbside delivery, so you can swing by and pick up some burgers on your way home from work or take the entire family out for a delicious dinner…either way you can save! This coupon expires Sunday March 8, 2015 so make sure you print it out now and use it before it’s too late. Click here for Printable Outback Coupon – Save 15%  
  • We Got a Facelift!

    Mike
    27 Feb 2015 | 3:53 pm
    Welcome to the all new Saving Money Today! The site has really fallen into disrepair the last year or so as we were so busy working on other projects that we didn’t dedicate enough time to making SMT all it can be. Over time the site had become like a child lost in the woods and uncertain of which direction to go.  One day we’d write about a killer money hack that could save some serious money and the next we’d right about investing in dividend stocks.  Then we’d write about some blogging tips or small business issues. Looking back we could see how disjointed the…
 
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    Personal Finance Blog

  • 3-D Printing Coming Into Its Own

    Twila VanLeer
    24 May 2015 | 4:36 pm
    As manufacturers catch on to the technology as faster and less expensive, 3-D printing is making significant inroads in the arena, applying it to high-volume manufacturing. The updated methods are being used to produce a five-centimeter tall model of the Eiffel Tower, among a growing number of applications. A new additive manufacturing technology is 25 to 100 times faster than conventional 3-D printing, producing items such as parts that are stronger and less expensive to make. Carbon3D, a start-up company founded in 2013, developed the method. Continuous Liquid Interface Production — is a…
  • Effective Blood Tests For Cancer Coming

    Twila VanLeer
    21 May 2015 | 8:47 am
    New, fast DNA sequencing technology may lead the way to what the medical world has long hoped for: a simple blood test that would detect cancer in its earliest, most treatable stages. Confidence in the eventual widespread availability of such tests is being voiced in the medical community. For instance, Dr. Eric Topol, professor of genomics at the Scripps Research Institute, predicts that the DNA technology will become “the stethoscope for the next 200 years.” Research labs around the world are studying the possibilities. The potential is based on the fact that dying cancer cells shed DNA…
  • Adult Children Living At Home

    Twila VanLeer
    20 May 2015 | 11:39 am
    People who expected to be empty-nesters when the last child became an adult are finding their children flocking back home. The younger generation is finding that living on their own costs more than they had anticipated. In 2012, surveys by the Pew Research Center showed that 36 percent of those 18 to 31 were living in their parents’ homes. Parents seem to be willing. A poll of 2,000 adults indicated that 85 percent of them said they would welcome adult children back home if the situation called for it. Given the current realities, financial experts are advising the parents not to move too…
  • Retirement Coming? Be Sure You’re Ready

    Twila VanLeer
    19 May 2015 | 6:53 am
    For many workers, retirement seems an ethereal, distant eventuality that doesn’t require much thought. Don’t you believe it. It comes and it comes sooner than most Americans are ready for it. According to a USA Today article, about a third of Americans have less than $1,000 in savings and investments to fund their retirement, aside from a home and defined benefit plans such as pensions. Fifty-seven percent say they have less then $25,000 set aside for retirement, a survey taken by the Employee Benefit Research Institute and Greenwald and Associations noted. Their research results match…
  • Education: It Really Does Pay

    Twila VanLeer
    18 May 2015 | 9:33 am
    Graduation from college doesn’t guarantee a life free from worry, but it does help.Thinking about getting a college degree? Check the figures. They have long shown that the way to job security and higher pay is to have more education added. Predictably, the more education, the more pay. The data clearly indicate that post-high school training is a predictor of a healthier financial status. Those who leave high school without a diploma earn, on average, about $10.70 per hour. A certificate of high school completion kicks up the average to $13.40 per hour. College education, even if it…
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    Unbiased financial advice from fee-only financial planners

  • The Art of the Rebalancing Bonus

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

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

    Matthew J. Illian, CFP®, AIF®
    13 May 2015 | 5:00 am
    There are a ton of majors in college – UVA has just under 60 – and yet something seems to motivate college students to choose all the unemployable ones. I remember sitting in UVA’s dining hall as a first year telling my peers I was thinking about majoring in English (#10 for unemployment and #6 in popularity) and Psychology (#1 for unemployment and #2 in popularity). One of my best friends was thinking the same. We bonded over our shared passion for analyzing people and the written word. There was little conversation of potential careers. “College …
  • Student Loans Weighing you Down?

    Megan Rindskopf
    6 May 2015 | 9:21 am
    Over 40 million Americans currently carry student loan debt with average balances of $29,000. If medical school was part of the equation that number could easily triple or quadruple. If you find yourself grappling with hefty student loans and all the decisions that come along with them, make sure you fully understand the details of your loans and all of your options before devising a plan to deal with your debt. The details can be overwhelming, so we’ve done our best to break down some key points for you here. The Basics There are a number of different types of …
  • Boosting Your Credit Score

    Kimberly J. Howard, CFP®, CRPC®, ADPA®
    6 May 2015 | 7:13 am
    Each time you whip out your credit card, your purchase and how and when you pay it off contribute to your credit score. That score can determine – or wreck – your ability to buy big-ticket items such as homes. … Continue reading →…
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    Budgets Are Sexy

  • The Miser and His Gold

    J. Money
    25 May 2015 | 2:04 am
    “The Miser and His Gold” – Aesop’s Fables: A Miser had buried his gold in a secret place in his garden. Every day he went to the spot, dug up the treasure and counted it piece by piece to make sure it was all there. He made so many trips that a Thief, who had been observing him, guessed what it was the Miser had hidden, and one night quietly dug up the treasure and made off with it. When the Miser discovered his loss, he was overcome with grief and despair. He groaned and cried and tore his hair. A passerby heard his cries and asked what had happened. “My gold! O…
  • Dirty, Boring, Smelly Money

    J. Money
    22 May 2015 | 2:02 am
    “We often neglect the things we love, in favor of our likes and wants, because likes and wants tend to cost less and take less patience to acquire.” – The Budgetnista BAM! Well said Budgetnista. The good stuff is definitely attainable but we always let those pesky likes get in the way slowing us down… It’s as if we were human or something ;) But speaking of likes and wants, a fellow reader informed me that there are a few new coins for sale out there if anyone has some extra millions laying around… The “Ultimate Coin Collection” (ie Pogue…
  • Happy Millionaire Day!

    J. Money
    20 May 2015 | 2:16 am
    That’s right, today is officially Be a Millionaire Day! Much cooler than Clean Up Your Room Day (5/10) or *gasp* Pi Day (3/14), but not nearly as tasty as National Fudge Day (6/16) ;) Unlike cleaning your room or gorging yourself on fudge, however, becoming a millionaire takes some key things to pull off. Namely, having the drive and an action plan. Without either you’re just a dreamer like everyone else! (And guess what – they have their own day too: Sep 26th – World Dream Day!) So for all you millionairings out there (that’s “millionaires in…
  • Savings Update + My Old School $$ Experiments!

    J. Money
    18 May 2015 | 2:02 am
    Well, friends – we had our lowest savings yet from this Challenge Everything adventure. Only $253.37 banked this month which is a hard fall from the $800+ levels we were at just a few months ago. Still a nice chunk of change considering it was all free, but it appears my hustling in this department has since waned… Am I mad at myself? Yes and no. Yes in that I started slacking in my Craigslist postings and I STILL haven’t gone outside of my 3 main bills there to cut down (I should start calling this the “Challenge Some-things” mission! Hah!), but no in that my…
  • Graduation Tips, Gossip, and Investing Like Snoop Dogg

    J. Money
    15 May 2015 | 2:04 am
    Happy graduation weekend everyone!!! Big changes for many of you out there – woo! We’ll be celebrating ourselves while my wife walks up to get her PHD, and it’ll be the first time I’ll attend a graduation in like 10 years :) But so so proud of my darling wife. 7 years of studying, teaching, writing, and then finally knocking out her big dissertation which all leads to this beautiful day. All while producing two beautiful boys and putting up with the antics of yours truly. She’s a gem, alright! Haha… And hey! We’ll get to use her $200+ graduation gown…
 
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    Financially Poor

  • Car Loans FAQ’s

    Kevin
    24 May 2015 | 11:26 am
    Car loans are frequently becoming more and more available to us, mainly due to the economic climate. Maybe you are buying your first car, or you have never used any car financing before. Either way there will be a whole host of questions you need answers to before you sign on the dotted line. Finances can be confusing at the best of times, with a variety of interest rates, loan periods and a whole host of companies all vying for your attention; it is not the easiest mine field to navigate. Before you start shopping for your brand new vehicle, here are some of the most commonly asked questions…
  • Are Classic Cars a Good Investment?

    Kevin
    22 May 2015 | 11:12 am
    Are you looking for a way to diversify your investments? Do you have a natural interest in cars? If you know your classic car history and enjoy taking a gamble, you might want to consider diversifying your portfolio with a classic car. It can double as a hobby that might just make you a bit of cash. Like wine, art, and antiques, many investors are investing in classic vehicles or current models that could become potential classics in the future. There are a number of pros and cons associated with investing in classic vehicles, however, and if you’re expecting a huge pay-out it may not…
  • Car Title Loans in Houston Are a Safe and Legal Lending Option

    Kevin
    21 May 2015 | 3:32 pm
    Car title loans have received a bad reputation. People say that these lenders are without conscious and make their money simply by charging exorbitant interest rates. Naturally, there are some bad lenders out there. The reality is, however, that car title loans have given people the help they need during some very difficult times. So long as you know what to look for, these loans can be very beneficial. And since they are now government regulated, there are far fewer risks as well. What Is a Car Title Loan? A title loan is a unique construction. Technically, it is a secure loan, as you put up…
  • Guide To Not Stress Out When You Are Broke

    Kevin
    20 May 2015 | 11:07 am
    Living paycheck to paycheck can be very stressful. You’re always wondering how you’re going to pay your next bill. I’ve been there and it sucks. After a while of living paycheck to paycheck, I realized that unless you can control the outcome, then there’s nothing to worry about. If you can control the outcome then you can either worry about it and not change your life or do something about it and stop worrying. Stress has a lot of effects on your health and you need to change the way you live in order to live healthier. Changing your whole mindset isn’t easy to…
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    Couple Money

  • Should You Use Peer to Peer Lending To Get Out of Debt?

    Elle Martinez
    19 May 2015 | 7:44 am
    One goal that couples have when they want to build their finances is getting rid of their debt. High-interest ones, like credit cards (whose interest rates can be around 20-25%), can especially drain you. Using a debt snowball while lowering your interest rate on those debts can have a huge impact and peer to peer lending can be a practical way for you to reach that goal. What is Peer to Peer Lending? At its core, peer to peer lending is about people directly lending to other. It is a form of crowdfunding, but instead of money for a business, it’s for an individual. Two fo the biggest…
  • What Money Questions Do You Have?

    Elle Martinez
    15 May 2015 | 5:21 pm
    This year has flown by, but as I was preparing next week’s podcast show, I did a double take as I realized that we had over 60 shows up in the last 6 months! I’m so grateful for the support that you have given and it’s my goal to continue covering financial questions and situations that couples go through. Right now I’m working on several episodes, including: Investing in Peer to Peer Loans to Help Yourself and Others Leveraging the Power of Community to Dump Debt Tips and Tricks to Renovating Your Home to Stay on Budget How Spouses With Opposing Money Habits Can Win…
  • Why You Need an Emergency Fund (And How It Saved Us)

    Elle Martinez
    13 May 2015 | 12:02 pm
    We were reminded this month the importance of having an emergency fund (financial cushion if your prefer). Thankfully no true emergency happened, but we were slammed with several bills and expenses. Timing is Everything (Especially with Money) Sometimes it’s not the bills that throw you off, it’s the timing of them. Let me show you. Just within the last seven days here are expenses taken out from our joint checking: Two Tires Replaced and State Inspection: $226.37 Hospital Bill $360.41 Car Registration and Taxes: $149.20 Total: $735.98 That is s significant amount of money to be…
  • Keeping Your Life Insurance Policy Up to Date

    Elle Martinez
    11 May 2015 | 7:18 am
    I’ll admit that it’s  not a pleasant topic to talk about, but getting life insurance coverage is an important one and can offer the two of you some peace of mind should the unfortunate happen. Starting early is a smart way to get your coverage at a lower price as many companies factor in age with their premiums. Do Your Homework with Life Insurance Many people want to jump right into the numbers, but I think it’s vital that you also check out the companies you’re considering to use. The last thing you want is a company who is uncooperative. After all, it will be a…
  • Fulfilling a Dream – Speaking at FINCON!

    Elle Martinez
    9 May 2015 | 7:20 am
    This week I received an email that told me I fulfilled a professional goal – I found out that one of the panel proposals I submitted was accepted. We’re speaking at FINCON 15! I’m a huge fan of the conference Phil has created and grown so to have this be my first public speaking gig is fantastic. What makes this opportunity even sweeter is the supportive and knowledgeable bloggers that will be on the panel. We all are excited to be a part of this conference and want to help others any way that we can. I want to say thank you to everyone who helped me and that especially…
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    Beating Broke

  • May 2015 Beating Broke Newsletter

    Shane
    20 May 2015 | 9:18 am
    Are you subscribed to the Beating Broke Newsletter?  If not, you just missed the May 2015 edition of it.  You can read it online though!  Check out the May 2015 edition of the Beating Broke Newsletter. If you aren’t subscribed, consider doing so here.  I’m hoping to add a little bit more content each month and maybe some giveaways as well. May 2015 Beating Broke Newsletter is a post from: Beating Broke, if you enjoy it, please visit us and subscribe to the Feed.
  • 5 Fun Ways to Educate Your Child about Money This Summer

    MelissaB
    12 May 2015 | 5:52 am
    Ah, summer.  Your kids get to take a break from the school grind, and as a parent, you get to take a break from the homework grind.  While your child will likely have fun hanging out with friends, playing sports, going to the movies, and reading, now is the time for you to sneak in a little summer education. Teaching our kids about money is one of the most important things we can do as parents.  What our children learn about money and see us do with money will likely affect them for years to come.  This summer, take the time to educate your children about money while making it fun. TD…
  • Can You Build Wealth in College?

    Thomas Bawdy
    28 Apr 2015 | 7:39 am
    Generally speaking, college is not a place where you’d imagine building wealth. Typically, students who graduate college often owe thousands of dollars of student debt to their lenders. With all the expenses related to college, the frugal lifestyle can be difficult to achieve and it seems more likely you’ll be owing more money than you have after hanging up your cap and gown. However, there are ways you can actually build wealth in college if you’re a student. It just takes determination and a financially disciplined lifestyle to arrive at that goal, but it is possible. Some…
  • Is Not Keeping Up with the Joneses Boring?

    MelissaB
    27 Apr 2015 | 5:34 am
    We’ve been on a journey to pay off our debt for 3.5 years now.  At first, we were gazelle intense, but then I burned out from working too hard, so we slowed down on the debt repayment. Last year, we moved to Arizona from Illinois, so our money became much tighter as we faced unexpected moving expenses.  (Aren’t there always unexpected expenses when making such a long move?) To make matters worse, in the first 3.5 months of 2015, we’ve faced $5,000 in unexpected car repairs and dental bills. The good news is that even though we haven’t made significant debt repayment progress over…
  • Giveaways: Budget Stretcher or Waste of Time?

    MelissaB
    20 Apr 2015 | 6:09 am
    Giveaways are nothing new.  Just read a handful of blogs and you’ll likely find plenty of giveaways.  But are they worth the time and effort?  Can you ever win something good? I’ll be honest, my husband and I are digging out of a hole of debt.  The good news is that we’ve paid off over half of our debt.  Yeah! However, we’ve reached a point where we firmly refuse to acquire any new debt.  Meanwhile, our car is 10 years old and has 150,000 miles on it, our 10 year old needs braces, and we’ve just had nearly $2,000 in medical and dental work. . . Our money is stretched to the…
 
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    MichaelHaltman.com

  • Haidar Barbouti and his Mission

    MichaelHaltman
    22 May 2015 | 1:37 pm
    Houston, Texas based Haidar Barbouti has been involved in real estate investment worldwide since 1986. Armed with a Columbia University education and more than 20 years of commercial property investment and development experience, Barbouti has been the guiding force behind many of the family’s real estate interests. His real estate interests include commercial properties, office buildings, land development and condominium conversions. In 1990, Barbouti acquired and revitalized the Highland Village Shopping Center in Houston. As Director of Leasing for Highland Village, Barbouti is…
  • Housing First Continues Finding Success

    MichaelHaltman
    19 May 2015 | 12:01 pm
    The epidemic of homelessness is still a problem for some cities and countries all over the globe. Last month cities in states like Utah, Arizona, and Louisiana made headlines for completely eradicated their homeless population. The cure for the homeless epidemic is Housing First. The founders behind Housing First take homeless people off of the street and house them before they focus on curing their drug addictions or mental disorders. The town of Medicine Hat, Toronto is among the most recent community to completely eradicate their homeless population. One of the executive members of the…
  • Lower Paid Lawyers Are Happier With Their Lives

    MichaelHaltman
    18 May 2015 | 9:29 am
    A recent study by the George Washington Law Review shows that lawyers that have higher earnings, have lower happiness than their lower paid counter-parts. Parents dream that one day their children will grow up to be lawyers. If you ask them why they dream this, they will answer because they want their children to be financially secure or to have the prestige and status they deserve. Rarely will the parents say they want their children to grow up to be a lawyer so that they can be happy everyday at work, that’s more outrageous than a FreedomPop review. The study was based off of the…
  • Dan Newlin: A Successful Attorney With A Heart For Public Service

    MichaelHaltman
    18 May 2015 | 8:02 am
    Dan Newlin is known best as a Florida based injury attorney, but he has had led a life so much greater than simply practicing law. Dan has worked as a public servant in many different jobs, has made a significant impact in the lives of others, and continues to run a successful business. All his life, Dan has worked in jobs that served others in a significant way. By the age of eighteen, he was already working as a licensed EMT. After that, Dan decided to become a police officer in the town of New Chicago, Illinois. After a few years, he moved to Florida and rose to become Deputy Sheriff of…
  • A Recent Studies on Lawyers Proves Money Doesn’t Buy You Happiness

    MichaelHaltman
    13 May 2015 | 12:26 pm
    Lawyers are respected and admired for their position, status, and wealth in America. However, you might not be so quick to be envious of people with a law degree after a recent study reveals rich and successful lawyers are much less happy than their underpaid counterparts who work for the state for instance. Researchers studied the thoughts and habits of 6.200 lawyers by asking them questions about their jobs, health, and several other factors which contribute to a persons well-being. The results revealed lawyers who earn a high income or make partner at a high profile law firm are not any…
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    The Economic Peephole

  • Haidar Barbouti and his Mission

    MichaelHaltman
    22 May 2015 | 1:37 pm
    Houston, Texas based Haidar Barbouti has been involved in real estate investment worldwide since 1986. Armed with a Columbia University education and more than 20 years of commercial property... [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • Housing First Continues Finding Success

    MichaelHaltman
    19 May 2015 | 12:01 pm
    The epidemic of homelessness is still a problem for some cities and countries all over the globe. Last month cities in states like Utah, Arizona, and Louisiana made headlines for completely... [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • Lower Paid Lawyers Are Happier With Their Lives

    MichaelHaltman
    18 May 2015 | 9:29 am
    A recent study by the George Washington Law Review shows that lawyers that have higher earnings, have lower happiness than their lower paid counter-parts. Parents dream that one day their children... [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • Dan Newlin: A Successful Attorney With A Heart For Public Service

    MichaelHaltman
    18 May 2015 | 8:02 am
    Dan Newlin is known best as a Florida based injury attorney, but he has had led a life so much greater than simply practicing law. Dan has worked as a public servant in many different jobs, has made... [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • A Recent Studies on Lawyers Proves Money Doesn’t Buy You Happiness

    MichaelHaltman
    13 May 2015 | 12:26 pm
    Lawyers are respected and admired for their position, status, and wealth in America. However, you might not be so quick to be envious of people with a law degree after a recent study reveals rich and... [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
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    Compare Australian Credit Cards and Offers

  • Western City Credit Union Platinum MasterCard

    Elizabeth Barry
    20 May 2015 | 6:07 pm
    Receive a promotional rate on purchases and balance transfers and enjoy platinum cardholder benefits including rewards and complimentary insurances. The post Western City Credit Union Platinum MasterCard appeared first on Compare Australian Credit Cards and Offers.
  • Mortgage Choice Platinum Card – Review

    Isaiah James Peralta
    17 May 2015 | 9:18 pm
    The Mortgage Choice Platinum has a low introductory balance transfer rate and annual fee that could make it a beneficial option for some cardholders. However, since you can find similar features in other cards, it’s always best to compare a few before deciding. The post Mortgage Choice Platinum Card – Review appeared first on Compare Australian Credit Cards and Offers.
  • Diners Club Business Card + MasterCard Review

    Elizabeth Barry
    14 May 2015 | 11:12 pm
    Diners Club Business Card + MasterCard Review This card account is a charge card, meaning it works differently to a credit card or debit card account. You aren’t given a set spending limit and you don’t have to preload funds into your account. Also, interest isn’t charged on your outstanding balance. Simply enjoy having no […] The post Diners Club Business Card + MasterCard Review appeared first on Compare Australian Credit Cards and Offers.
  • Diners Club Personal Card + World MasterCard Card Rates & Fees

    Jonathan
    14 May 2015 | 10:59 pm
    With no pre-set spending limit and access to millions ATMs, this card could give cardholders flexibility in the way they manage and use their card. The post Diners Club Personal Card + World MasterCard Card Rates & Fees appeared first on Compare Australian Credit Cards and Offers.
  • Diners Club Corporate Card Review

    Elizabeth Barry
    14 May 2015 | 10:53 pm
    Diners Club Corporate Card Review This is essentially a business payment management account with different card options attached to it. The account is designed for use by larger corporations, with the Diners Club Business Card + MasterCard more suited to small to medium sized businesses. Cardholders have access to rental vehicle excess insurance, secure car […] The post Diners Club Corporate Card Review appeared first on Compare Australian Credit Cards and Offers.
 
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    Money Spruce

  • 10 Rules For Building Wealth

    Justin Weinger
    25 May 2015 | 3:00 am
    Many consumers worry that they will never have enough money to retire comfortably or build a substantial amount of wealth. The fact is however that building wealth is really just a matter of getting into specific habits and keeping those habits going over 30 or 40 years. If the average consumer were to simply save on a regular basis, spend relatively frugally and put as much money into retirement accounts as often (and as early) as possible, most would have a sizable amount of retirement savings by the time their “golden years” arrived. To that end we’ve put together a list of the Top…
  • Think Long Term Protection When Purchasing Insurance

    Justin Weinger
    21 May 2015 | 5:12 pm
    One of the biggest financial mistakes you can make is not having enough insurance. Being an insured motorist not only allows you to protect your vehicle against any unexpected damage, but it also gives you the financial resources you need should you ever require medical attention or legal support. Although most people purchase a policy to avoid breaking the law, that should not be the only reason you do so. You need to purchase a good policy to protect your future. One of the most important tools you have at your disposal when it comes to shopping for policies is the internet. You can access…
  • Apartment Renters Beware

    Justin Weinger
    21 May 2015 | 2:00 am
    Here’s a Catch-22 for you; it’s now more affordable to buy a home them to rent but, because most renters don’t make enough money to put down a big enough down payment, they’re stuck renting. To make matters worse, practically all of the online apartment hunting websites have now been invaded by scammers, making it extremely likely that the average person looking to rent an apartment will run into one at one point or another. Add to that the fact that, because of time constraints, money constraints or a combination of the two, most renters are under pressure to find a place…
  • Selling Your Own Home? Here Are Some Great Tips!

    Justin Weinger
    16 May 2015 | 2:00 am
    One of the biggest costs that homeowners have when selling their home is one that most falsely believe they can’t do without; commissions to their real estate agent. With commissions as high as 6%, the cost of paying a real estate agent to help you sell your home is definitely not cheap. For example, on a $280,000 dollar home, your cost (i.e. your real estate agent’s pay) would be nearly $17,000! You have to admit, that’s a lot of money just for giving people a tour of your home, and that’s why selling it yourself is such a good idea. Now, we’re not saying that selling…
  • In Your 20s? Here are 5 Money Mistakes You Definitely Need to Avoid

    Justin Weinger
    11 May 2015 | 2:00 am
    It’s certainly not easy to think about the future when you’re in your 20s and your life is a bit crazy to begin with. Add to that the fact that 40% of young adults in America today are working in jobs that don’t even require a degree, an extremely high rate of underemployment to be sure, and you’ve got a recipe for financial mistakes. Most young adults also face student debt, which averages just under $30,000, as well as the regular expenses that all else have led housing, healthcare and transportation, all of which are getting more expensive. There is good news, and it’s simply…
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    Good Financial Cents

  • Advice I Wish I Knew When I Started My First Business

    Jeff Rose
    20 May 2015 | 4:12 am
    I’d like to share some important tips when starting a small business inspired by the Office Depot Business Solutions Center as part of a sponsored post for Socialstars #GearLove. I don’t know about you, but when I was a kid, I didn’t have much of an interest in becoming a business owner. I was way too involved in everything sports  and I probably invested a little more than I should have in baseball cards – dang, Jose Canseco! My childhood was focused on the here and now. I mean, come on, when was the last time you asked a kid what they’re interested in and…
  • Get the Best Coverage by Finding the Right Life Insurance Company for YOU!

    Jeff Rose
    19 May 2015 | 8:31 am
    If you have people that rely on your income then life insurance HAS to be part of your financial plan. I ran into a couple who had four children.  Their insurance agent had talked to them about getting a life insurance policy, but they had declined because the husband had $150,000 policy through his employer which was about one year of his salary. About a year later he was diagnosed with stage four cancer and, as a result of the treatments, ended up not being able to continue in his job. Now they have a situation where he is not able to work and if he does not recover his spouse will be left…
  • How to Hack College and Graduate with ZERO Debt

    Jeff Rose
    13 May 2015 | 3:47 am
    The following guest post is from Martin of Studenomics. Today, Martin officially launches Next Round’s On Me, where it makes good financial sense to start saving in your 20s so that your older self will thank you. I graduated college with zero debt and plenty of stories that I’m never going to forget. That’s a statement I’m very proud of. Now that I’m 27 and a few years removed from school, I constantly thank my younger self for surviving college financially. I’m so grateful that I don’t have to worry about making payments on my debt because life’s too short to be…
  • 27 Signs You Are Financially Stable

    Jeff Rose
    12 May 2015 | 8:12 am
    “How do you want to pay for it?” I had recently returned from Iraq and my wife and I were hunting for a couch for our new home. We found one that was on sale we both thought it was perfect. Okay, it was a red couch and she thought it was perfect. I, personally, didn’t understand why anyone would buy a red couch but apparently I didn’t understand home decor. Nonetheless, the wife’s vote trumped mine. When the sales clerk asked how we wanted to pay suggesting we take advantage of their great in-store financing, an exciting thought ran through me – “we…
  • GF¢ 050: 5 Reasons Why You Should Never Buy a Variable Annuity

    Jeff Rose
    5 May 2015 | 8:29 pm
    Breathe in.  Smell that? It’s the stench of a variable annuity. If you just threw up a little bit in your mouth, I don’t blame you. If you didn’t, you probably don’t know enough about variable annuities. What’s a variable annuity? It’s a contract between an owner and an issuer whereby the owner agrees to give the issuer principal, and in return, the issuer guarantees the owner variable payments over time. Sounds innocent enough, but are they? Variable annuities are one of those products of which I can pretty much make a blanket statement and say…
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    One Family's Blog

  • Tracking Warren Buffett's Berkshire Hathaway Portfolio - Q4 2014 Update

    ks
    4 May 2015 | 5:48 am
    Below is a spreadsheet that highlights Warren Buffett's moves this quarter. Please check-out our SeekingAlpha column for an analysis of the moves:  To learn more about how to profit from a strategy of following the best hedge fund picks, check out our book Profiting from Hedge Funds: Winning Strategies for the Little Guy . [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • Tracking Seth Klarman's Baupost Group Holdings - Q4 2014 Update

    ks
    4 May 2015 | 5:43 am
    Below is a spreadsheet that highlights Seth Klarman's moves this quarter. Please check-out our SeekingAlpha column for an analysis of the moves:  To learn more about how to profit from a strategy of following the best hedge fund picks, check out our book Profiting from Hedge Funds: Winning Strategies for the Little Guy .  [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • Tracking David Einhorn's Greenlight Capital Portfolio - Q4 2014 Update

    ks
    4 May 2015 | 5:39 am
    Below is a spreadsheet that highlights David Einhorn's moves this quarter. Please check-out our SeekingAlpha column for an analysis of the moves:   To learn more about how to profit from a strategy of following the best hedge fund picks, check out our book Profiting from Hedge Funds: Winning Strategies for the Little Guy . [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • Tracking Mohnish Pabrai's Portfolio - Q4 2014 Update

    ks
    4 May 2015 | 5:35 am
    Below is a spreadsheet that highlights Mohnish Pabrai's moves this quarter. Please check-out our SeekingAlpha column for an analysis of the moves:  To learn more about how to profit from a strategy of following the best hedge fund picks, check out our book Profiting from Hedge Funds: Winning Strategies for the Little Guy . [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
  • Tracking Bruce Berkowitz's Fairholme Portfolio - Q4 2014 Update

    ks
    4 May 2015 | 5:31 am
    Below is a spreadsheet that highlights Bruce Berkowitz's moves this quarter. Please check-out our SeekingAlpha column for an analysis of the moves:  To learn more about how to profit from a strategy of following the best hedge fund picks, check out our book Profiting from Hedge Funds: Winning Strategies for the Little Guy . [[ This is a content summary only. Visit my website for full links, other content, and more! ]]
 
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    Cash The Checks

  • 10 Simple Ways To Save Money On Gas

    Edwin C.
    22 May 2015 | 4:57 pm
    The price of gas is continually on the rise. With no end in sight to the soaring gas prices and little to no stability in the Middle East, where most of the gas this country uses comes from, it’s a good idea to learn how to save money on gas so you can get where you need to go without spending your entire paycheck at the pump. Here are 10 easy ways you can save money on gas. Drive Less This is the way that most drivers save on gas. Joy rides and Sunday drives are a thing of the past and more drivers are using apps or GPS devices to streamline their trips, getting from place A to place B in…
  • 5 Ways To Pay Off Your Student Loan Sooner

    Edwin C.
    9 May 2015 | 11:35 pm
    When you graduate from college or university and embark on your chosen career, it’s a good idea to start investing in your retirement from day one. While that may seem like the perfect plan on paper, actually making it happen is incredibly tough, usually because college graduates are left saddled with a student loan that can be totally crippling. Continuing your education in today’s world means shelling out tens of thousands of dollars, which ends up resulting in large monthly payments once you graduate. It’s a tough debt to pay off, but there are a few ways you can get it paid down…
  • Three Ways To Boost Your Cover Letter

    Edwin C.
    23 Apr 2015 | 9:14 pm
    Cover letters are hard. A lot of people don’t even do them anymore. And I know some hiring managers who don’t read them because, in their words, they’re always so awful anyway. But most people will read them. Especially if your resume is almost on-point but not quite. A cover letter can go a long way to showing a potential employer how well your experience will mesh with the job you’re applying for. There is a lot of advice for writing cover letters. These three tips are broad ideas but they’re the biggies. These are the things you have to do if you want to stand out. 1. Don’t…
  • 7 Little Known Expenses You Can Write Off On Your Taxes

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

    Edwin C.
    23 Mar 2015 | 11:24 pm
    No matter what industry you work in or what your title is, there’s always room to improve yourself and move up the ladder. The easiest thing you can do is to become an invaluable asset for the company so they’ll want to keep you around and develop your personal brand through training, promotions and extra education. Read on for 5 ways to make more money while building your own brand. Create Your Own Blog When you create your own blog, you can share your expertise on a particular subject or even just let others know what you think about a topic. You can create an engaging blog by posting…
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    AuctionWally.com

  • Contemporary glass shade Chandelier Appraisal

    walt kolenda
    10 May 2015 | 6:47 pm
    Leah asks: What is my chandelier worth? It was purchased in San Francisco and is made of blown glass.  contemporary chandelier  AW says: That is a beautiful contemporary chandelier. While the shades are certainly made of glass, they are not blown glass rather pressed or molded glass.  Although this does not appear to be signed, we can tell it is a very nice quality lighting fixture for the following reasons among others.  First there are many fixtures on this piece and generally speaking the more arms as chandelier has, the more valuable it is. Also if you look at the end…
  • Contemporary Colonial Style Brass Chandelier Appraisal

    walt kolenda
    22 Mar 2015 | 7:07 pm
    Contemporary Colonial Style Brass Chandelier Appraisal Mark asks: What is the appraised value of my brass chandelier?  It is 30″ wide x 28″ high 6 arms all brass porcelain accents AW says: That’s a very nice quality colonial revival American brass chandelier. It has stylings of European influence, as per the porcelain faux oil pots and white shades.  The quality is evident from the construction and contour of the brass work and the fact that it is all solid brass. This may be a Hubbell piece, or quite possibly a Stiffel fixture, although I don’t recall this model…
  • Lucy M Lewis Acoma Pottery Turkey Appraisal

    walt kolenda
    9 Mar 2015 | 8:36 pm
    Lucy M Lewis Acoma Pottery Turkey Appraisal We bought this pottery in New Mexico in the late 60’s. It’s possible th it was ‘over-fired’ since there are some black marks on it. Otherwise it is in perfect condition We bought a fine bowl by J. Lewis at the same time. AW says: That’s an excellent example of Lucy Martin Lewis Acoma pottery. These piece of hand coiled pottery are pit-fired.  It’s rare that these pieces of clay art come out perfect. Lucy began making pottery at the age of eight years old under the supervision of her aunt. She mastered the…
  • Antique Boston Rocker Appraisal

    walt kolenda
    2 Mar 2015 | 6:39 am
    Antique Boston Rocker Appraisal Stephen asks: We are looking for information that you can give us on this chair, is it possibly a Hitchcock Rocker? Also what price range could we sell this at? antique boston rocker   AW says: This is an early Boston rocker, but it’s not a Hitchcock piece of furniture, rather it’s what we would call “in the style of Hitchcock” Lambert Hitchcock produced thousands of chairs that made popular the stenciling technique that is on the back of your chair. This technique helped to speed up production as it was a much faster decorating…
  • Appraisal for Antique Frame

    walt kolenda
    28 Feb 2015 | 5:19 am
    Vondel asks: What is the value of my antique wooden frame? AW says: Your frame is not actually all wood. It’s a American Victorian era frame (circa 1870s-1910) made with a wood as a base, but the gold decoration,sometimes referred to as gold gilt, is actually made out of plaster. One of the rare things about your frame, is that it’s in excellent condition. As you can imagine these frames being made of plaster are very fragile, and it’s difficult to find them without a lot of the decoration chipped away. The portrait or photo inside of it has little value unless there is…
 
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    Credit.com

  • 5 Little ID Theft Warning Signs You Shouldn’t Ignore

    Patricia Oliver
    24 May 2015 | 9:01 pm
    While you secure your identity by password-protecting your accounts and only giving your information to organizations that need it, there are still ways that identity thieves can steal your personal data. Not only can you go long periods without noticing you’ve been a victim, criminals could ring up excess charges that could damage your credit for years. Although it’s easy to think that a billing company made a mistake, you should follow up on any late payment notices or other red flags that could indicate you are an identity theft victim. Here are five little warning signs of…
  • How to Get Financially Ready to Be a Stay-at-Home Parent

    AJ Smith
    24 May 2015 | 9:01 pm
    While many American households feature two working parents, there are plenty of expectant mothers and fathers who want to stop their traditional jobs to care for children — at least for a time. Whether it is the mother or the father who will be focusing primarily on child care, there are some big financial issues that come with this lifestyle change. Here are some tips on how to prepare your family’s finances for having a stay-at-home parent and (primarily) living off of one income. 1. Discuss Becoming a stay-at-home parent may seem personal, but it is a major family decision. It’s…
  • Help! Workers’ Compensation Wrecked My Credit

    Gerri Detweiler
    24 May 2015 | 9:01 pm
    A reader, “Anngie,” recently contacted us to ask what she could do about credit damage from a bill that should have been paid by workers’ compensation. Here’s what she told us: “A workmans comp claim not paid from 2012 is on my credit report. I am working with all parties to resolve…but how do I remove the negative impact on my report….I don’t want it to look as if I paid it & it was my responsibility & allowed it to remain for 3 years unpaid. Can I have the company fax somewhere to validate this was not my collections? If this is…
  • How to Graduate From a Secured Credit Card

    Jason Steele
    24 May 2015 | 9:01 pm
    When you have bad credit, it can feel like no one will give you a loan, even though you can’t rebuild your credit history without one. Secured credit cards can offer a way out of this conundrum because issuers typically approve nearly all applicants for these kind of cards, regardless of credit history. But in order to open a secured credit card account, you first have to submit a refundable deposit, which typically becomes your credit limit. Naturally, many secured card users look forward to later opening a standard credit card account, and receiving their security deposit back.
  • 4 Tips for Breaking Your Apartment Lease

    AJ Smith
    23 May 2015 | 9:01 pm
    One attractive aspect of renting vs. owning a home is the lack of a long-term commitment. While it may seem that renters can pick up and go at the drop of the hat, there are still usually agreements in place. You may not be able to sneak away from a lease in the middle of the night without consequences, but there are steps you can take to minimize the penalty of leaving your rental agreement early. You’ll also want to be aware of any potential impact on your credit. 1. Know Your Rights & Your Lease Before you get started on the process, it’s a good idea to look over your lease…
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    StepChange MoneyAware

  • Customers of these three debt management firms should call their creditors now and seek free debt advice

    Rachel
    22 May 2015 | 5:37 am
    If your debt management firm’s closed down, we can help Yesterday morning, The Financial Conduct Authority (FCA) warned the customers of three debt management firms to contact their creditors and find out exactly what they owe on their debts. The debt management firms in question are Sterling Financial Security Limited (Sterling), Haydon Associates Debt Management Consultants Limited (Haydon) and Clear View Finance Limited (Clear View), all based in Lichfield. Most customers of these firms have had 90% of their monthly payments deducted in fees, meaning that only 10p out of every pound…
  • May’s top debt and money news

    Jenny
    20 May 2015 | 1:00 am
    Know your rights There’s been some troubling news this month with devious happenings coming to light that involve pension scams to con innocent folk out of their cash. Not to mention controversial rip-off letting agency fees making renting a new home cost a small fortune and confusing energy bills bamboozling us into potentially paying more than we should. On top of all that, we keep signing up to things, forgetting about them and continuing to pay for services we don’t use. How did it come to this? Luckily, we’ve gathered stories on each topic to help avoid such nightmares. Have a…
  • Free home insulation – do you qualify?

    Rachel
    19 May 2015 | 4:45 am
    You may have heard that free insulation is available from some of the big energy companies in the UK. Maybe you’d like to apply – we all like to save money where we can, after all. How do you know if you qualify? And if so, how simple is it to get the insulation installed?  British Gas is providing loft and wall cavity insulation to households that meet the qualifying criteria, either for free or at a heavily discounted cost. Anyone can apply for free insulation regardless of their income or the utility provider they’re with. Apparently nine out of ten households will qualify,…
  • National Vegetarian Week: 5 cheap midweek veggie meals

    Laura
    18 May 2015 | 8:51 am
    Veggie meals don’t have to be dull! As this week is National Vegetarian Week, could there be a better time to embrace your greens? It’s estimated that around 1.2 million people in the UK are vegetarian, and many more are choosing to eat meat-free meals. Even Jamie Oliver is reported to be eating veggie a couple of nights a week. Not only can it be a healthier choice, it can help you save money on your food shop. I decided to be a vegetarian before I hit my teens, after bowing to peer pressure when one of my friends wore a badge to school which said ‘cows are for mooing not…
  • 7 new uses for old things

    Jenny
    8 May 2015 | 1:00 am
    When we spend money we may as well squeeze every single penny out of the things we buy, right? Glad you agree! Join me on my mission to dabble with the boundaries of being overly frugal as I attempt to give everything a second lease of life. They say cats have nine lives, well these objects have at least two, I tell you. Here are my top seven new uses for old things that’ll save you money, straight from Jenny’s marvellous recycling emporium. That name makes reusing things sound pretty exciting doesn’t it? Before we have time to debate whether it actually is or not, here’s the list: 1.
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    Free Money Wisdom

  • Earn Cash Money Online By Selling Clothes

    Jon the Saver
    21 May 2015 | 6:21 am
    If you are searching for a fun, creative, and legitimate way to earn cash money online, simply sell clothes! We all know that the acquisition of money is one of the most challenging, yet highly desired, tasks of all time. If you are reading this guide in an effort to learn how to get free money online, chances are, you have a regular job; however, the funds that you receive from that job are either too low to meet all of your financial obligations or not enough to get you where you dream of being in life. You are not alone. Millions of people, worldwide, suffer from money challenges, despite…
  • Bad Credit Debt Help – Simple Steps for a Complicated Situation

    Jon the Saver
    13 May 2015 | 5:48 pm
    If you are searching for resources on bad credit debt help, it is quite likely that you have faced at least a few financial complications during the course of your lifetime. Unexpected job loss, hour reductions in the workplace, injury, illness, and even a death of a loved one could result in immense financial complications that leave many struggling to pay off loans, credit cards, and even utilities. Unfortunately, lenders, credit card companies, and other types of financial institutions are not typically very forgiving when it comes to the money that they feel is rightfully theirs. If you…
  • Save Money News – Millennials Learn How to Save up Money, Even When Their Funds are Limited

    Jon the Saver
    6 May 2015 | 6:48 am
    In recent save money news stories, information has been released on how Millennials are learning how to save up money, even though they do not have a lot of money at their disposal. According to studies, the Millennials throughout the nation have the lowest net worth of any other generation that is of working-age. Based on statistics, half of all of the adults between the ages of 18 and 34 have a net worth of less than $11,000.00. Additionally, the average income of the Millennials is also considered to be the lowest in the nation, at approximately $35,000 or less, annually. Given the fact…
  • Why Real Estate Is the Perfect Side Gig

    Jon the Saver
    29 Apr 2015 | 9:32 am
    Despite the doom and gloom that always seems to swirl around the real estate market, the fact remains that people are always going to want to buy, sell, and lease property. And while it seems like it should be a straightforward exercise — Party A has a home to sell, Party B wants to buy it — as anyone who has ever been involved in the sale or purchase of real estate can attest, the process of transferring ownership of real estate is actually far more complex. And for those who understand the intricacies of real estate and enjoy attending to all of the necessary details, it can be a…
  • The Top 5 Ways to Guarantee You’ll Get a Raise this Year

    Jon the Saver
    29 Apr 2015 | 9:27 am
    After nearly a decade of a less than-optimistic employment market, things appear to be looking up. The unemployment rate is slowly, but steadily, declining. More people feel confident looking for a job in the past, and fewer people are worried about being laid off. In fact, about 30 percent of workers are so optimistic about their job prospects that they would be willing to leave their current positions if they do not receive a raise this year. Even just a few years ago, automatic annual raises, even just cost of living increases, were the norm. Unfortunately, however, one of the byproducts…
 
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    Help Me To Save

  • Using the ebookers App to Book a Hotel

    Karen Bryan
    24 May 2015 | 11:07 pm
    You can earn a 3% reward on hotel bookings made on ebookers through their Bonus+ scheme. You then redeem this reward as a reduction in the price of your next booking at a qualifying hotel on ebookers. However if you book a qualifying hotel on the ebookers app, a higher reward of 5% is earned. […] Using the ebookers App to Book a Hotel How to save money. Copyrighted content published on Help Me To Save. The post Using the ebookers App to Book a Hotel appeared first on Help Me To Save.
  • Nationwide’s Profit Up 54% While Rates Paid to Savers Drop

    Karen Bryan
    22 May 2015 | 7:37 am
    I’m really hacked off with Nationwide. In April 2105 Nationwide slashed the interest rate paid on the Loyalty Saver for members of 15+ years from 1.5% to 1.2%. Today, I read that Nationwide’s annual profit has increased by 54%. Yet, Nationwide have the cheek to claim on their website that their “only focus is on you” and […] Nationwide’s Profit Up 54% While Rates Paid to Savers Drop How to save money. Copyrighted content published on Help Me To Save. The post Nationwide’s Profit Up 54% While Rates Paid to Savers Drop appeared first on Help Me To…
  • Thank You Three Mobile Customer Service

    Karen Bryan
    21 May 2015 | 10:49 pm
    One of the big attractions of being with Three Mobile is that you can use your UK plan abroad in 18 countries with no additional charges through their ‘Feel at Home’ scheme. As France is one of these countries,  I switched on my mobile phone on arrival at Marseille Airport, expecting to be able to get […] Thank You Three Mobile Customer Service How to save money. Copyrighted content published on Help Me To Save. The post Thank You Three Mobile Customer Service appeared first on Help Me To Save.
  • Increase Your Home Equity With a Pre-sale Makeover

    Karen Bryan
    19 May 2015 | 6:17 pm
    Is it time to sell your home? We all want to achieve the best price possible for our home. However not everyone values your home as much as you do and it is very likely that you will receive a few low-ball offers. To overcome this problem and to increase the equity in your home, […] Increase Your Home Equity With a Pre-sale Makeover How to save money. Copyrighted content published on Help Me To Save. The post Increase Your Home Equity With a Pre-sale Makeover appeared first on Help Me To Save.
  • Review of Britannia Hotel Edinburgh

    Karen Bryan
    17 May 2015 | 10:57 pm
    I was looking for a cheap hotel in Edinburgh on a weekday night in mid April 2015, as I had an early flight from Edinburgh Airport the following morning. Although I’d have preferred to stay at the airport, the hotel prices there started at a hefty £90 a night. I decided the best alternative was […] Review of Britannia Hotel Edinburgh How to save money. Copyrighted content published on Help Me To Save. The post Review of Britannia Hotel Edinburgh appeared first on Help Me To Save.
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    NerdWallet Credit Card Blog

  • If an ATM Eats Your Deposit, Contact Your Financial Institution Immediately

    Tony Armstrong
    22 May 2015 | 4:25 pm
    Standing in front of an ATM that just ate your cash deposit without crediting your account or issuing a receipt can leave you feeling helpless, and even hopeless. Just ask Linda Murray Bullard, who recently found herself in that situation. “A horrific experience!” says Murray Bullard, who owns a business consulting firm in Chattanooga, Tennessee. How common her experience is isn’t clear. The ATM Industry Association doesn’t have data that would show the scope of this issue, according to Michael Lee, the group’s chief executive, who says he hasn’t “heard of a single reported case…
  • How Compound Interest Can Help Ignite Your Savings Goals

    Spencer Tierney
    22 May 2015 | 4:22 pm
    The reason why you can make money off money when you save is compound interest. The magic of this financial concept has some math behind it, but even just knowing this term will help you understand why saving early for long-term goals like retirement can make a huge difference. Here’s a look at how compound interest works. Simple vs. compound interest When you open an interest-bearing financial account, you put in an initial amount called the principal and earn a percentage return off  that called interest. A simple interest rate is a percentage of the original principal, so the amount of…
  • Refinancing Auto Loans 101

    Margarette Burnette
    22 May 2015 | 4:07 pm
    If you’re paying too much in interest for your car or truck loan, refinancing could be a great way to save some serious dough. Interest rates for vehicle loans may have dropped since you financed your auto. Or maybe you’ve improved your credit score, which could qualify you for a lower rate. Either way, it could be worth hundreds of dollars in savings to get a new auto loan to replace your current one. The process is fairly simple. You’ll need to contact your current lender to get your loan’s payoff information. Then, you can apply for financing from a new lender that offers a lower…
  • How to Network Your Way to a Job on LinkedIn

    Brianna McGurran
    22 May 2015 | 2:30 pm
    Once your LinkedIn profile is in tiptop shape, it’s time to dive into what the website is known for: networking. It can feel intimidating, especially when you don’t have a ton of work experience or professional connections yet. But with confidence, creativity and some LinkedIn expertise, you can build a network that might just lead you to your dream job. Think outside the box when making connections If you’re new to LinkedIn, it can be discouraging to come across members whose profiles say they have “500+ connections.” How can you reach that number when you don’t have much work…
  • Think Twice Before Selling a Settlement

    Tony Armstrong
    22 May 2015 | 10:43 am
    Most often associated with life insurance and disability payments, structured settlements and annuities are monthly or yearly payments aimed at providing individuals with a steady income over a period of time, often decades. Companies known as “factoring firms” try to purchase the rights to these payments from recipients in exchange for a lump sum of cash, which the companies say could be more useful for someone experiencing financial hardship. The buying and selling of these financial products has become a multibillion-dollar industry. If you’re receiving a structured settlement or…
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    Card Hub

  • Debit OR Credit: When To Use Each

    John Kiernan
    21 May 2015 | 5:39 am
    Consumers have two distinct decisions to make in regard to the debit or credit conundrum. The first is which, if either, type of card you should have in your wallet. We recommend having both, considering the credit building benefits and rewards superiority of credit cards as well as the convenient access to cash provided by a debit card. The second question one must answer is which type of card to use when making a given purchase. This is far less straightforward, as the decision is typically contextual – depending on the amount of the purchase or the particular merchant that you’re…
  • Debit Card vs. Credit Card: Which is Better?

    John Kiernan
    19 May 2015 | 1:23 pm
    Debit cards and credit cards are two of the most commonly-used financial products at our disposal. But, despite sharing a number of similarities, these two forms of monetary plastic are quite different and should thus serve distinct roles within your financial arsenal. In order to help you fully grasp these inherent distinctions, we’ve compiled a complete breakdown of how these titans of everyday money management stack up against one another. The short answer, however, is that credit cards are the preferable option for people who can use them responsibly due to credit’s supremacy in terms…
  • Currency Exchange Study: How to Save on International Spending

    Alina Comoreanu
    12 May 2015 | 4:30 am
    Exchanging currency is necessary for most trips outside the United States, and consumers have a number of options when it comes to converting U.S. dollars into the currency used in a particular destination. The two main ways to do so are: 1) automatically with a credit card; and 2) converting hard currency at a bank or airport kiosk. But which offers the best deal? This might seem like less of a concern in light of the dollar’s current strength relative to other currencies, but that’s just a flawed assumption. You have to look at things in percentage terms – paying 20% interest is…
  • How to Pay Loans, Credit Cards & Mortgages with Credit

    John Kiernan
    8 May 2015 | 9:44 am
    Yes, you can pay loans and lines of credit with a credit card, but we strongly advise against doing so unless it is part of a plan that will save you money.  There are three primary ways to turn this into a money-making venture: 1) if you will be able to earn enough rewards to outweigh any associated processing costs; 2) if you can take advantage of an attractive 0% balance transfer deal that will expedite your timeline to debt freedom; or 3) you are at risk of becoming delinquent on the card whose bill you plan to pay. A notable secondary benefit for those contemplating using plastic to pay…
  • Do Student Loans Affect Credit? All You Need to Know

    John Kiernan
    6 May 2015 | 2:22 pm
    Yes, student loans do affect your credit standing. In fact, there is little difference between the credit-building capabilities of a student loan and a standard personal loan. Your lender will report account information to the major credit bureaus each payment period, thereby adding positive information to your file and thus boosting your score – assuming you pay as agreed. There are, however, certain circumstantial differences that set student loans apart from other types of loans and lines of credit. For example, while the fact that you have a student loan will be noted on your major…
 
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    CreditDonkey

  • Beginner's Guide to Discover Credit Card Offers

    22 May 2015 | 12:00 am
    If you want a Discover card but aren’t sure what to get, here's the guide to help.When you're shopping around for a credit card, the sheer number of choices can be overwhelming. Even the Discover brand has more than one offering for cardholders, with options aimed at different types of rewards seekers and students. If you don't have time to go over the finer points and decide which Discover card is right for you, CreditDonkey is here to help. We've compared each of the popular cards Discover currently offers and reviewed them based on their rewards structure, APR, and fees to help you…
  • Best Time to Buy Motorcycle

    21 May 2015 | 12:00 am
    In the market for a motorcycle? It is possible to score a deal on a high quality bike without breaking the bank, starting with when you shop.When is the Best Time to Buy a Motorcycle January and February This is when meteorologists across the nation are warning viewers about imminent snowstorms on the horizon, along with the associated dangers they pose for road conditions. Even hardcore riders are not thinking about getting on their bikes at this time of year. But if you’re in the market for a new motorcycle, the slow season is to your advantage. You just might not be able to take a test…
  • 23 Fascinating Fast Food Statistics

    20 May 2015 | 12:00 am
    How many of us eat fast food weekly? How much do we spend and how many fast food restaurants are in America alone? Read on for 23 fascinating statistics. Grabbing lunch or dinner at a fast food restaurant can save you time and money, which is always a plus if you don't have a lot of either to spare. Americans' love of quick, inexpensive meals has lead to the U.S. being dubbed the "fast food nation." The popularity of fast food seems to grow with each passing year, not just here at home but around the world. To understand just how big the industry is, CreditDonkey spent some time researching…
  • 23 Research-Driven Ways to Save Money on Gas

    19 May 2015 | 12:00 am
    Employ these tricks and tips for getting more mileage out of every dollar when you're behind the wheel.Gas prices have been all over the place the last few years. Heading to the pump is sort of like that box of chocolates Forrest Gump described — you never know what you're going to get. We bring back some certainty to your gas spending with 23 data-backed methods that will help you use less gas and hang on to more of your cash the next time you hit the highway. 1. Don't put the pedal to the metal. If you slam on the brakes at stop signs or rev the engine every time you start up, those bad…
  • Teacher Discounts: 120 Places to Get a Discount

    18 May 2015 | 12:00 am
    Teachers should get extra credit. Read on for 120 places where you can get teacher discounts on your everyday shopping and school supplies.Classroom Supplies Academic Superstore. This online software store offers teachers, students, and parents discounted programs up to 85% off. To make a purchase, you simply need to upload a copy of your school ID or other accepted documentation with your order. Blick Art Supplies. Especially valuable for art teachers, Blick has thousands of factory-direct items with savings for teachers. There is also bulk ordering available for schools. Lakeshore Learning…
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    Recent Blog Posts

  • Chapter 13 Can Help Your Co-Signer and Protect Them

    13 May 2015 | 3:08 pm
    WHAT ARE THE SPECIAL CHALLENGES WITH CO-SIGNED DEBTS? Co-signed debts present a number of issues if you are thinking about filing bankruptcy. First, there are risks in paying co-signed debts (or paying money to a co-signer directly) during the months before you file bankruptcy. So be sure to tell your attorney about any such payments when you first meet with him or her. These are potential "preference payments," which I've discussed in previous blog posts. Please see "Should I Pay Relatives Money I Owe Them Before Filing Bankruptcy?" and "What Can You Do If you…
  • Discriminating in Favor of Co-Signed Debts

    28 Apr 2015 | 6:47 pm
    In a recent blog post I said that a Chapter 13 payment Plan can pay a co-signed debt in full, including interest, while paying little or nothing to the other "general unsecured" creditors. The practical benefits of this can be huge if you are trying to protect a co-signer from having to pay a debt. In effect you are allowed to avoid paying other creditors in order to have the means to protect your co-signer. There is confusion about this part of bankruptcy law because the Bankruptcy Code is less than clear about it. Because of this lack of clarity many bankruptcy attorneys don't…
  • Can Creditors Pursue Me for Debts of My Deceased Spouse?

    9 Apr 2015 | 1:10 pm
    Because California is a “community property” state, in general both spouses are legally liable on the debts incurred by either spouse during a marriage. This means that, again in general, after the death of one spouse the surviving spouse is liable on the other person’s debts, that is, those debts for which only the deceased spouse signed the paperwork. This blog post explains how this works in practice, and what the exceptions are. WHAT DIFFERENCE DOES CALIFORNIA’S “COMMUNITY PROPERTY” STATUS MAKE? Most states follow “common law” property…
  • Debt Owed by Contractor to Homeowners Was Fraud and Non-Dischargeable

    25 Mar 2015 | 12:47 pm
    As I regularly review court cases to keep up on the law, I often run into ones that provide a good way to help my readers understand some important aspect of bankruptcy. Today's blog post does this through a recent decision by the federal Ninth Circuit Court of Appeals, whose jurisdiction covers California and other western states. In Deitz v. Ford the court looked at whether Shawn Deitz, a building contractor, could discharge—legally write off—his obligation to Wayne and Patricia Ford, his customers, in Deitz' Chapter 7 case in spite of the Fords' allegations that he…
  • Avoiding an Administrative Freeze on Your Bank Account

    1 Mar 2015 | 12:14 am
    WHAT'S AN "ADMINISTRATIVE FREEZE" OF A BANK ACCOUNT? I discussed bank administrative freezes in a very recent article called Court of Appeals Allows "Administrative Freeze". If you have a checking or savings account at a bank or other financial institution and you file bankruptcy, normally your money in that account is protected from the blanket protection you receive under bankruptcy law against your creditors pursuing you and your assets. So usually that money is fully accessible to you after your bankruptcy case is filed. Indeed creditors are forbidden from trying…
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    The Penny Hoarder

  • Organics on a Budget: How to Make 5 Meals From a Single Organic Chicken

    Chantel Hamilton
    25 May 2015 | 7:00 am
    While you might want to eat more organic food, the grocery store prices might scare you off. While we’ve looked at ways to save money on organic food by finding it for less, another strategy is to make the most of the food you buy. Yes, you might reel backward when you see an organic, free-range whole chicken costs $30 — at least, that’s the price at my local store in Alberta, Canada — but you’ll feel a whole lot better when that chicken feeds you and your family well all week long. Here’s the strategy I use to create five dinners for my family of four from a single…
  • Hate Annoying Telemarketing Calls? They Could Be Worth $500 or More

    Julie Mayfield
    25 May 2015 | 3:00 am
    Raise your hand if you like making extra money. Raise your other hand if you hate telemarketing calls. Now keep both hands up if you’d like to be able to make money off those annoying calls. Thanks to the Telephone Consumer Protection Act (TCPA), you might be able to. “Every call or text made without your permission is worth a minimum of $500, and if it’s intentional, which 99% are, each one is worth $1,500,” attorney Billy Howard told DailyFinance. What’s the Telephone Consumer Protection Act? Congress passed the TCPA in 1991 to place limits on telephone solicitations…
  • This Company Will Pay You $75 to Install Their Free App…

    Kyle Taylor
    24 May 2015 | 12:01 pm
    This is pretty cool. There’s a new company called “Smart Panel” and they will literally pay you $15 to download their free app. Here’s how it works… 1. You can’t download this from the app store. Here’s the promo link. It’s free to download. 2. Once you’ve qualified and downloaded the app, they will give you $5. If you keep it installed for at least two weeks, you’ll earn another $10. And then for every month that you keep the Smart App installed, you’ll get another $5. All total, you can earn up to $75 for the 1st year!
  • Working From Home? Here’s How to Set Up an Efficient, Cost-Effective Workspace

    Steve Gillman
    24 May 2015 | 3:00 am
    30 million Americans work out of a home office at least one day each week, according to a recent report. If you’re not already one of them, you might hope to be soon. You may have been inspired by my post on home-based businesses you can start for nothing, or another post on ways to make money from home. Of course, to try one of those self-employment options, you need to set up an office or workspace at home. Even if you work for one of the many companies that hire remote workers, you need a place where you can work productively. And by the way, did you know employees can take a…
  • How to Win the Ultimate American Summer Road Trip with a 500-Word Essay

    Betsy Mikel
    23 May 2015 | 9:48 am
    Do you fantasize of quitting your boring 9-to-5 job to jetset around the world? What if you got paid to write about your adventures? Travel writing sounds like a dream job. And for many, it’ll remain just that — a dream — because it’s notoriously difficult to break into travel writing and become successful enough to pay the bills. But maybe that dream isn’t so far away. World Nomads, a travel insurance company, is partnering with Lonely Planet to offer three lucky winners the opportunity of a lifetime: a crash course in travel writing from a prolific Lonely Planet guidebook…
 
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    LearnFinancialEducation.com

  • Attend Free Personal Finance Seminar by IMG Wealth Academy

    Gily Tenorio
    5 May 2015 | 1:38 am
    Perhaps, some of you are looking for FREE ways to learn financial education without spending any pesos or dollar but you want it like in a classroom where there’s a teacher or instructor.  Though there are lots of ways to learn personal finance, attending seminars is one of the most effective and gives the most long-lasting effect on your part. I have recently joined and collaborated with IMG or the International Marketing Group that conducts free seminars about personal finance. I am seeing many financial seminars these days but most of them require you to pay registration fee in…
  • 6 Most Common Types of Internet Security Threats

    Gily Tenorio
    23 Apr 2015 | 3:17 pm
    If you are doing financial transactions over the Internet like online banking and stock trading, you should be aware of some internet security threats that can steal your personal information and may harm your computer. These threats are real and increasing each day so you should take necessary precautions about it. Based on the report of Federal Bureau of Investigation (FBI) Internet Crime Complaint Center (iC3), in year  2013 alone, the IC3 received 262,813 consumer complaints with an adjusted dollar loss of $ 781,841,611, which is a 48.8 percent increase in reported losses since 2012…
  • This Blog will be Turning 5 Years Old

    Gily Tenorio
    12 Apr 2015 | 1:25 am
    Yes you read it right, this blog will be celebrating 5th birthday this coming April 22, 2015. I thought I will never come this far from writing and blogging. Here’s my first ever article that I published in this site back  5 years ago: 10 Simple Tips to Control Your Expenses  to reminisce the past. You will notice it is a short post and straight to the point. You know when I’m still a student I’m not that good in writing and communicating in English. It’s my Waterloo and and I’m always afraid to talk to anybody in English language. Perhaps this blog is a way…
  • Happy Resurrection (Easter) Day!

    Gily Tenorio
    4 Apr 2015 | 6:11 pm
    Hi! I just want to greet you a Happy Resurrection (Easter) Day! It’s the day of the year we remembered the passion, death and resurrection of our Lord Jesus Christ! Here’s a good song by Jesus Culture for this special day!   I hope you enjoy this song! It is indeed a happy day! What to Read Next: Happy Chuseok! Happy Mother’s Day Happy New Year!
  • My Dividend Income for 2014

    Gily Tenorio
    3 Apr 2015 | 4:55 pm
    One of the best passive income today is through investing in stocks that pays high dividend. However, you need to have sizable amount of shares to realize your dividend. As an example, PLDT (TEL-stock symbol), pays good dividend to its shareholders. But its price is high around P2,840 as of this writing. Recently, TEL announce that they will give P87 dividend for every share. Right now, I only have 10 shares,  therefore, I can receive only P870 minus tax. PLDT pays dividend two times a year. So all in all, the dividend can be as high as P200 per year for every shares. Think about it, if for…
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    Bankruptcy and Student Loan Lawyers - 866.787.8078

  • Los Angeles Loses Discriminatory Lending Lawsuit To Bank of America

    Jay Fleischman
    19 May 2015 | 4:06 pm
    In the battle between one of America’s largest cities and one of America’s largest banks, the money reigns supreme. At least, that’s what a federal judge in Los Angeles thinks. On May 15, 2015 A federal judge threw out a lawsuit by the city of Los Angeles that accused Bank of America of discriminatory mortgage lending. The suit, which was originally filed by the city in 2013, claimed that Countrywide Home Loans (a unit of Bank of America) violated the U.S. Fair Housing Act by making loans to minorities on worse terms than those offered to whites and then refused to refinance…
  • Mortgage Delinquencies Fall To Lowest Level Since 2007

    Jay Fleischman
    18 May 2015 | 3:54 pm
    The TransUnion Industry Insights Report, released on Monday, May 18, 2015, reveals that the rate of borrowers 60 days or more delinquent on their mortgages declined to 2.95% in the first three months of 2015 – the first time the variable has been below 3% since prior to the recession in 2007. This also marks the 13th consecutive quarterly drop in the mortgage delinquency rate. The quarterly overview summarizing data, trends and perspectives on the U.S. consumer lending industry, isn’t all wine and roses. The delinquency rate for subprime consumers remains at 27.23%. This is down from…
  • Supreme Court To Chapter 13 Trustees: Give Back The Money!

    Jay Fleischman
    18 May 2015 | 10:38 am
    On May 18, 2015 the U.S. Supreme Court unanimously held that a debtor who converts to Chapter 7 is entitled to return of any postpetition wages not yet distributed by the Chapter 13 trustee. The Court, in Harris v. Viegelahn, involved the case of Charles Harris III who filed for Chapter 13 bankruptcy after he fell behind on his mortgage payments. Though his Chapter 13 Plan provided that he would repay his mortgage arrears over time while making new payments to the mortgage company, he fell behind on those new payments within a few months. Just nine months after filing his Chapter 13 Plan, the…
  • SEC Files Fraud Charges Against For-Profit College Operator ITT

    Jay Fleischman
    12 May 2015 | 11:34 am
    On May 12, 2015 the US Securities and Exchange Commission announced that it had filed fraud charges against ITT Educational Services Inc., its chief executive officer Kevin Modany, and its chief financial officer Daniel Fitzpatrick. According to the SEC, the national operator of for-profit colleges and the two executives fraudulently concealed from investors the poor performance and looming financial impact of two student loan programs that ITT financially guaranteed. ITT formed both of these student loan programs, known as the “PEAKS” and “CUSO” programs, to provide off-balance sheet…
  • When Is A Student Loan Not A Student Loan?

    Jay Fleischman
    8 May 2015 | 11:54 am
    Joel Nunez had a problem – he owed $120,000 in private student loans for a flight school. Even worse, he hadn’t finished his education. Left in dire financial straits, he went to a bankruptcy lawyer. You’re probably thinking that Joel Nunez was a fool for thinking that he could wipe out his private student loans in bankruptcy. After all, we’ve been conditioned to think that wiping out student loans in bankruptcy is a Herculean feat that is accomplished only in the more dire of circumstances. But Joel’s lawyer did a little digging and found the most useful of…
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    John Rothe | Portfolio Manager, Quant, Tech Geek, And Sometime Superhero To My Kids

  • Growth Of The Dow Vs Historical Averages

    John Rothe
    20 May 2015 | 7:45 am
    S ince 2009, the US stock market has been rising due to a Fed created, low interest rate environment. However, the economy has not seen the same growth as the stock market. This has many investors wondering if the current stock market rise will end due to “non impressive” economic growth — or if the market will  continue to rise as the Fed may be forced to continue its economic stimulus plans. To put the current stock market rise in historical perspective the folks over at Chart of the Day have put together an interesting chart: via: Chart of the Day The Dow just made…
  • Global Asset Allocation Strategy: May 2015 Update

    John Rothe
    6 May 2015 | 7:06 am
      S o far, 2015 has been a volatile and choppy market here in the US. Global investors have begun to look outside the US for value opportunities. Below is an update of my strategic global asset allocation model, including changes and a few key highlights.   How the global strategy performed in April: Overseas markets continue to outperform US equity markets. And we are seeing increasing weakness in US Treasury Bonds. This may be the start of a longer term “exit” from US markets — as assets continue to shift into international markets.   source: ETFreplay  …
  • Chart Of The Day: Should We Really Walk Away?

    John Rothe
    29 Apr 2015 | 5:16 am
    “Sell In May And Walk Away” has always been a popular adage among investors. But Is It True? Today’s chart breaks down the performance of the stock market during the strongest cycle (November to April) vs the weakest cycle (May to October). Via Chart of the Day: “The stock market is about to enter what has historically been the weakest half of the year. Today’s chart illustrates that investing in the S&P 500 during the six months of November through and including April accounted for the vast majority of S&P 500 gains since 1950 (see blue line). While the…
  • Why Are People Not Saving?

    John Rothe
    28 Apr 2015 | 10:05 am
    Great TED Talk on why we don’t save, how our laziness impacts us, and one of the biggest obstacles to saving enough for retirement.   Economist Shlomo Benartzi studies behavioral finance with a special interest in personal finance. He is co-founder of the Behavioral Finance Forum (www.behavioralfinanceforum.com), a collective of 40 prominent academics and 40 major financial institutions from around the globe. The Forum helps consumers make better financial decisions by fostering collaborative research efforts between academics and industry leaders. Benartzi’s most significant…
  • Chart Of The Day: Nasdaq’s 15 Year Journey

    John Rothe
    22 Apr 2015 | 6:13 am
      F or some perspective on a key US stock market index, today’s chart illustrates the overall trend of the Nasdaq Composite since 2000. As today’s chart illustrates, the post-financial crisis rally (which began in early 2009) has been significant enough to have the Nasdaq surge well past its credit bubble highs of late 2007. In addition, the latest leg of the post-financial crisis rally has the Nasdaq at levels not seen since the tail end of the dot-com bubble. In fact, as today’s chart illustrates, the Nasdaq continues to trade within its tightly confined yet steep…
 
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    Compare Wallet: Making Sure Your Money Isn't Accepting Second Best

  • Credit Cards in the News: May 16-22, 2015

    Chris Mettler
    22 May 2015 | 8:45 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 May 16-22, 2015. Big Banks Plead Guilty to Rigging Global Currency Market Four of the world’s biggest banks -JPMorgan Chase, Citigroup, Barclays, and the Royal Bank of Scotland- have plead guilty to a conspiracy that included rigging the world currency…
  • American Express Upgrades Their Gold Cards

    Jason Steele
    16 May 2015 | 5:00 am
    The American Express Gold card has been around for nearly 50 years, but it’s been starting to lose some of its luster. As new competitors arrive with bonus rewards and fewer fees, Gold card users were sometimes left wondering if they were being left behind. Earlier this year American Express started to reinvest in its extensive line of reward credit cards, starting with its standard Gold card as well as its Premier Rewards Gold card. What’s New The standard American Express Gold Card will now offer cardholders Double Membership Rewards Points on travel purchases such as for…
  • Credit Cards in the News: May 9-15, 2015

    Chris Mettler
    15 May 2015 | 7:05 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 May 9-15, 2015. Hackers Target Starbucks Criminals are now targeting the Starbucks mobile payment app in order to obtain access to credit card accounts. The auto-reload function of the coffee retailer’s app can make it possible for hackers to steal hundreds…
  • Credit Cards for Pet Expenses

    Kari Luckett
    14 May 2015 | 10:14 am
    Pet ownership has tripled since the 1970’s with an estimated 83.3 million owned dogs and 95.6 million owned cats. Pet ownership has been on the rise due to several factors such as animal abuse awareness campaigns and the promotion of “no-kill” shelters. Pet ownership has been linked to a healthier lifestyle by easing loneliness, reducing stress, anxiety and depression, and promotes social interaction and exercise. Pet ownership and the amount spent on animals each year continues to increase, even despite hard economic times. It’s estimated that pet owners spent a total of $58.51…
  • Rewards Redemption: Value vs Points

    Thomas Donaldson
    13 May 2015 | 2:35 pm
    Points. Miles. Cash back. Rewards. What’s the difference? Understanding your credit card rewards can be tough! Those that play the rewards game and win, like ThePointsGuy.com and FrequentFlyerGuy.com, will often reference the importance of getting the most value from your points or miles in order to get more out of them than the typical 1 point=1 cent. Here we provide one example on what credit card reward experts mean when they stress value over (number of) points or miles using the Chase Freedom and Chase Sapphire Preferred credit cards as examples. To most people, the Chase…
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    Feeds : Dailyworth

  • Which No-Fee Rewards Credit Card Is Right for You?

    18 May 2015 | 9:00 pm
    Better Than Cash Credit cards with rewards programs — that is, ones with cash back or mileage earned — allow you to make the most of your spending. Plus, cards offer perks that cash simply doesn’t, from purchase and fraud protection to travel and rental car insurance. Still, not all cards are created equal. So we’ve chosen the best rewards cards with no annual fees — each suited for your specific situation. If You Have a Bumpy Credit History Try: State Department EMV Savings Secured Visa Platinum Card Why you’ll love it: When you’ve had a few rough…
  • Are You Cheating on Your Spouse — Financially?

    17 May 2015 | 9:00 pm
    It’s Time to Come Clean Several years ago, a friend of mine admitted she had a bank account her husband didn’t know about so that she could spend from her secret stash on the sly. And recently, an acquaintance who owns a luxury jewelry store revealed to me that some of her clients purchase the high-end gems with cash in order to keep their spouse in the dark about their indulgences.  These breaches of trust are surprisingly common: According to a recent survey by the National Endowment for Financial Education, one in three adults who have combined their money in a…
  • Yes, You Can Negotiate Your Medical Bills

    13 May 2015 | 9:00 pm
    You can negotiate car prices, mattress prices, and even your taxes, but did you know that you can negotiate your medical bills? Instead of panicking next time you get a medical bill, follow these steps to lower your payment and get out of medical debt sooner. 1. Move quickly. While it can be tempting to simply hide your bills in a drawer instead of facing the amount owed, that gets you nowhere. Plus, you risk having your bill handed over to collections, which can take a big toll on your credit score. The faster you move, the more negotiating power you’ll have. After all, medical…
  • 8 Signs You're Living Beyond Your Means

    6 May 2015 | 9:00 pm
    Can You Afford Your Lifestyle? Living beyond your means is pretty easy to do these days, especially since we live in a time when buying on credit — and having a YOLO mentality — has become the norm. But just because it seems normal doesn’t mean you aren’t doing a real disservice to your current and future well-being. Here are eight red flags that you're living a lifestyle you simply can't afford — and how to get back on track ASAP. You Let FOMO Dictate Your Spending We all know how crappy it feels to miss out (or be left out) of fun social events due…
  • How to Get the Most From Your Credit Card

    3 May 2015 | 9:00 pm
    Get Clever We’re getting smarter about our credit cards: According to new Gallup research, more Americans are relying less on them. In fact, credit card ownership is at an all-time low, with 64 percent of those surveyed paying off their balances in full each month, the highest percentage Gallup has recorded. Still, we can get even more clever with credit, especially since there’s power in wielding plastic as long as you do it the right way. Want to know how to beat the banks at their own rules? Read on for eight great tips. Ask for a Lower Interest Rate First, the good news: Two…
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    Money Q&A

  • The Road Less Traveled to Financial Security

    Steve
    23 May 2015 | 4:04 pm
    There’s more than one way to skin a cat. At least that’s what people say, even though I can’t now think of why anyone would say or do that. But assuming that’s the case, that’s a saying that is true across many different realities and disciplines. Nowhere is it more true than within investment and personal finance. While there are some investment methods that are sold as silver bullets, stuff that’ll work for anybody, not every method of investment is fun or right for every body. That doesn’t mean that these people are out of luck. It just means that they’ll have to find a…
  • How To Choose The Right Insurance For Your Business

    Hank Coleman
    19 May 2015 | 6:33 pm
    Most business insurance policies are taken out voluntarily by businesses across many sectors for good reason. A whole host of accidents can be caused by your business where costly accidents claims could ensue. There are different types of business insurance policies to suit various industries and the premium all depends on the type of business you have, the number of employees in your business and what your turnover is. The benefits of taking out business insurance policies • They cover the legal costs and expenses involved in defending claims made against your business. • You can show…
  • How Not to Screw It Up, When Things Go Unexpectedly Right

    Steve
    6 May 2015 | 10:42 am
    We all know what it’s like to lose money. And just as it’s easier to fall down than it is to get back up, losing money is something we deal with more often than suddenly gaining it. But sudden acquisitions of money do happen in the lives of most people. And even if we’re just talking about a few hundred or thousand dollars, these windfalls can be game changers for the average person. Because windfalls are most significant in the lives of people who are not prepared for them, it’s best for everyone to have a plan for what they’d do if they got their hands on some cash all of a…
  • Car Insurance Shopping for Teen Drivers

    Steve
    23 Apr 2015 | 11:55 am
    If you have a new teen driver, you are probably a little bit worried for a myriad of reasons. You are concerned for your child’s safety first and foremost, but be honest. You are also worried about your car and your premium. Unfortunately, adding an inexperienced motorist will raise your bill, but there are plenty of steps you can take to lower that monthly payment. Get ready to contact your local Marietta car insurance agent and ask a few questions about the firm’s discounts and policies. 1. Good Report Cards Most companies offer discounts for good grades. Normally, students will receive…
  • Top Tips for Saving Time and Money at Walt Disney World

    Guest Contributer
    19 Apr 2015 | 12:51 pm
    The following is a guest post byEvelyn Ramsey. If you would like to write an article for Money Q&A, please visit our Guest Posting Guidelines page. Disney World is two times larger than Manhattan. If you’ve ever wanted to visit Orlando, now is the time. There are so many exciting things to see. Here’s how to save money, have fun, and visit the very best areas of the park. Top Tips for Saving Money at Walt Disney World… Get a Good Hotel Staying at a hotel on property gets expensive. Some hotels in the park can be had for $70 per night, but if you’re bringing a large…
 
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    Creative Money

  • Earning more money isn’t the problem with your relationship

    Mindy Crary
    19 May 2015 | 1:03 pm
    There seems to be a common misconception that relationships are failing because women are earning more money than their partners.  Or that single women who earn great incomes will never find a man.  The reality is, earning disparity has nothing to do with the real relationship problems.  It’s all about values alignment. The top female breadwinner complaints Here are the issues that come up most often when we hear about relationship challenges of female breadwinners: We’re still doing most of the chores.  Studies show time and again that even when a woman works full time, she still…
  • How to sell if you hate selling

    Mindy Crary
    12 May 2015 | 2:45 pm
    If you want to succeed at being an entrepreneur, becoming comfortable with sales is key.  Yet figuring out how to sell your service or product can be a challenge if you have a bad association with sales or think you might be perceived as sleazy.  Many entrepreneurs give up, but the real solution is defining a process that feels comfortable and organic. Fears around sales Here are the most common reasons why entrepreneurs don’t ask for the sale and what you can do about it. Fear of rejection This is by far the most common reason why people don’t ask for the business. I don’t know many…
  • What’s your excuse to stay poor?

    Mindy Crary
    5 May 2015 | 5:25 pm
    I know the title of this post seems really harsh, and for some people, maybe it needs to be.  The point is if you keep making poor excuses why you aren’t reaching your money goals, you will never reach them. Then just stay fat Excuses are goal killers; a book on an entirely different topic helped drive that home for me. A book called “…then just stay fat” has helped me get rid of poor excuses and prioritize my exercise and eating this year. Shannon Sorrels, the author, discusses the “whys” people tell her when their scales refuse to budge: Too busy Traveling Had to…
  • What is your vision of wealth?

    Mindy Crary
    21 Apr 2015 | 11:20 am
    I used to have a weekly Friday lunch with one of my colleagues.  We both had started our careers at about the same time, so it was fun to compare notes, talk about our progress and discuss our hopes for the future.  One week, he admitted that he had been fighting a lot with his wife—that she was angry about a number of scheduling things and he felt like they never agreed on anything. “Well, how often does she get to hear all of the things you tell me?” I asked.  “About your plans and what you’re trying to accomplish with all of this?” I knew he loved his wife and wanted the…
  • Why “be nice” is bad advice when it comes to your money

    Mindy Crary
    14 Apr 2015 | 11:30 am
      After my workout each morning, I drive by the local high school on my way home.  The school has an electronic reader board that says, “Smile!”  And then it says, “Be NICE.” This drives me nuts on so many levels…but when it comes to money, “be nice” is awful advice. The Mantle of “Be Nice” I am sure at the high school that “be nice” is meant to discourage bullying and being mean in other ways.  But in those cases, we’re probably not teaching kids to get along by telling them to “be nice.” We’re telling them to be accommodating, to fake positivity…
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    Three Thrifty Guys

  • Where Do You Put Your Savings?

    Aaron
    22 May 2015 | 7:37 am
    Lately, I’ve been watching a video series on personal finance at Lynda.com that is taught by financial advisor, Jane Barratt. If you are wanting to learn more about personal finance OR just need a few extra tips and insights about your finances, I’d highly recommend you check it out. In the series, Barratt mentioned something very simple but profound about where we stash our money. She noted that many of us could be unknowingly cheating ourselves by where we put our savings. No brainer, right? Well, please stay with me for a second. Currently, my bank (and savings…
  • How Much Does Term Life Insurance Cost?

    Natasha
    18 May 2015 | 5:27 am
    Term life insurance is the most affordable option when it comes to protecting your loved ones should the unexpected happen. The exact pricing varies depending upon the individual, the product, and the amount of coverage you choose. Everyone’s situation is unique so a policy that works for some may not be the best choice for another. Two people with the same type of policy may also pay different rates depending upon the individual’s age, health, and lifestyle. 5 Factors that Affect Life Insurance Costs Age – The younger you are, the cheaper life insurance is because you most likely…
  • How I Made Money Off Krispy Kreme – and Why You Should (Probably) Buy Your Own Stocks

    Aaron
    15 May 2015 | 4:44 am
    Early in my 20’s I was gifted several thousands of dollars by a relative. This was a LOT of money to me at the time and I really wanted to make good use of it. But, I wasn’t that great with money. I had thousands in school loan debt and had just made one of the worst purchases in my life. Needless to say, I wasn’t exactly in the right frame of mind to make good decisions with money. However, one good thing that I did with that money was to invest a part of it in stocks. At the time, online trading was still relatively very new. But, I was encouraged by a co-worker of mine…
  • Free $20 Target Gift Card When You Create a College Registry

    Aaron
    11 May 2015 | 6:25 am
    Found this deal on SlickDeals this morning – and thought it was worthy of the share being that many will be getting ready for college this fall. The details are as following: Add a minimum of $500 + 15 items and receive a $20 gift card. Quantities limited to the first 50,000 students. Valid on new registries created May 10 to May 16, 2015. Registrants will receive a physical gift card by mail within 3 weeks of completion of registry. P.O. Boxes and International shipping will not be eligible. Limit of 1 registry per student. No rain checks. Hope it lightens your going-to-college bills!
  • Why Have Auto Dealerships Stopped Negotiating?

    Aaron
    6 May 2015 | 5:19 am
    This past weekend I had the pleasure of accompanying my mother in her quest to find a new car. We visited a couple of smaller dealerships and each one was singing the same tune: We don’t negotiate. In fact, as soon as we got into the car with the salesman from the second dealership, he made it a point to tell us (as if it was a great service to the customer) they set their car prices competitively and take negotiating out of the equation. “It’s kind of like Target. Most people don’t want to walk into the store and have to haggle over the prices of everything. It is…
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    Nerd's Eye View | Kitces.com

  • Have We Made It Too Hard To Hire A Financial Planner?

    Michael Kitces
    25 May 2015 | 4:01 am
    For many financial planners, it’s increasingly difficult to get new clients. Those with a longer-term practice can at least rely on referrals from existing clients. For newer planners, though, it can be especially hard or even prohibitively expensive to find new clients, leading at best to a significant “income gap” in the early years of starting a new advisory firm. Yet arguably, the process of matching a financial planner and a consumer isn’t necessarily much easier from the client’s perspective, either. The fact that consumers are regularly counseled to interview multiple…
  • Weekend Reading for Financial Planners (May 23-24)

    Michael Kitces
    22 May 2015 | 11:32 am
    Enjoy the current installment of "weekend reading for financial planners" - this week's edition kicks off with coverage of this week's Supreme Court decision in the case of Tibble v. Edison, that will likely send ripples (and possibly even shockwaves) through the world of 401(k) plans and increased scrutiny about the expenses and share classes held inside of 401(k) plans. Also in the news this week is a proposal from the SEC to 'modernize and enhance' Form ADV with new information requests that RIAs would need to complete, and an announcement that robo-advisor-for-advisors Trizic has…
  • Deducting Financial Planning And Retainer Fees, And The (Tax) Problem With Bundled AUM Fees

    Michael Kitces
    20 May 2015 | 4:01 am
    Under the Internal Revenue Code, expenses for investment management are tax deductible. Accordingly, taxpayers are permitted to deduct the typical assets-under-management (AUM) fee of an investment manager. However, financial planning fees not specifically attributable to investment management (or tax planning) are non-deductible, treated instead as a personal expense. With the rise of wealth management, though, it is increasingly common for consumers to pay a single “bundled” AUM fee, that covers not only (deductible) investment management services, but also (non-deductible) financial…
  • Advisor Matching Services – Is It Worth Paying To Be Listed?

    Michael Kitces
    18 May 2015 | 4:01 am
    With the ongoing rise of advisor FinTech, one of the “hot” new categories starting to emerge are “Advisor Matching” services – websites where consumers can enter some personal information, and get suggested “matches” of potential advisors who can help them with their financial issues. Ideally, consumers get a potential advisor who can solve their problems, and advisors save time by being matched to prospective clients who are a good fit for their services. However, thus far the ideal rarely matches the reality. The fundamental problem with building a “Match.com for Advisors”…
  • Weekend Reading for Financial Planners (May 16-17)

    Michael Kitces
    15 May 2015 | 11:01 am
    Enjoy the current installment of "weekend reading for financial planners" - this week's edition kicks off with the news that major ETF providers have been establishing and expanding their lines of credit to prepare for a possible liquidity squeeze that could emerge in a market crisis, where a sell-off could force ETF redemptions that would be difficult to fund if/when the underlying securities are illiquid (e.g., with many types of bond and other fixed-income ETFs, as well as emerging markets). The news accentuates the warnings from some pundits, who have cautioned against the risks of owning…
 
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    Epic Finances - Investment Blog

  • Why You Should Invest in Small-Cap Stocks

    Carmello
    22 May 2015 | 4:00 am
    When it comes to investing in stocks there are a lot of different choices that you need to make. One of those is whether to invest in so-called “small-cap” stocks and, if that’s what you’re considering, here are a couple of quick reasons that make it a good investment. First off, since small-cap stocks are usually relatively unknown, it’s likely that you’ll find something that everyone else might have overlooked. The fact is, large, well-known companies are going to have plenty of people interested in buying their stocks, and the typical Wall Street analyst spends his or her day…
  • Thinking of Buying Junk Bonds? Read This First

    Carmello
    15 May 2015 | 4:00 am
    While it’s true that junk bonds still pay more than most, the fact is that bargains on junk bonds are becoming more scarce. With interest rates extremely low, buying junk bonds because of the extra income that you will get from their high yield can be tempting, but before you do, it’s best to know exactly what situation you’re getting into. When a company has poor credit they issue what they call junk bonds and the yield on these bonds tends to be better than those of other low risk debt such as treasury bonds. In the last few years however, the demand for junk bonds from investors has…
  • Home credit or doorstep lending

    Carmello
    8 May 2015 | 5:40 am
    When you are in dire straights, you may feel as though you have no options available to you. Often, people let the stress of financial strain cloud their judgement. You need to make sure that you are safe when it comes to your finances. The last thing you need is to add more debt to your problems, yet many people make the mistake of doing so. With a broad variety of lending options out there, how can you possibly know which one will suit you? You may have heard of home credit or doorstep loans and thought that they seemed like great ideas. Sure, these loans are easily accessible and quick to…
  • How Much Cash Should You Carry in Your Portfolio?

    Carmello
    8 May 2015 | 4:00 am
    While there is no doubt that that having plenty of cash is a good thing, when it comes to investing and having cash in your portfolio, it’s still quite controversial. The question about what could be considered “too much” cash in your portfolio is still one that’s debated hotly. They heat under that debate was turned up even more recently when Intelligent Portfolios was launched by Charles Schwab. It’s an algorithm-based platform that automatically builds and automatically balances someone’s portfolio. What raised a lot of eyebrows was the treatment of cash…
  • The Basics of REITs

    Carmello
    2 May 2015 | 4:00 am
    Today’s short blog is going to look at REITs, what they are and why they are considered an excellent investment and excellent addition to any portfolio. The definition of a REIT is a security on any of the major stock exchanges that sells like a stock and invest directly in real estate through either properties or mortgages. REITs are highly liquid method to invest in real estate, they receive special tax considerations and, in most cases, offer high yields to investors. There are a number of different types of REITs available, including Equity REITs that invest in and own properties.
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    cheapbohemian

  • Advice for Living, from the Dead

    Lisa Schamess
    21 May 2015 | 2:03 pm
    So this just happened, thanks to the late-night conversations and gentle guidance of fellow writer Meredith Counts.I don't know what to say, except what I am always saying.The hands remember what the mind might forget.I am grateful for my living, and my dead.Please submit your mournful home tips to Dead Housekeeping. 250 words, make sure they are both practical and elegiac.
  • Mayweather v Pacquiao: Please See Us. Please Don't Watch Them.

    Lisa Schamess
    2 May 2015 | 1:23 pm
    via FeministIre, which made space for this guest post. I share it here because this is about money and culture if ever an essay was. Please read, and act as your conscience dictates. ***The author of this piece has chosen to duck SEO. She doesn’t mind if you know who she is, but please show the respect of not including her name, tagging her, or leaving comments that identify her by name. You are free to post this on your own blog or website, provided that you don’t change anything, or identify any of the individuals in it who have not already been named. If you get a lot of…
  • Not Pictured: 16 Years and Change

    Lisa Schamess
    30 Mar 2015 | 6:34 pm
    I have stood at this window more than six thousand mornings. Gil and I took possession of this house just yesterday, in May 1998, a day that poured rain. When we woke the next morning, the first sound we heard was the raucous augury of crows, nesting in a half-dead tree we hadn't noticed out back.I came down to investigate. Through this window, I saw a sanitation truck lurching past, the trash workers tossing in the wet boxes from our move. They followed behind the truck on foot, patting its iron flanks to forge onward, crying, Hey-up! I drank my tea and tried to fathom how we'd own this…
  • In the Practice of Her Calling

    Lisa Schamess
    24 Feb 2015 | 5:16 pm
    My mother was a nurse, and it defined her life. She fought her parents to become one, put herself through school without their money. They believed nursing was beneath her. All those bedpans. All that blood and stink. But my mom, who created doll hospitals in the backyard and ministered to stray cats and dogs all her childhood, marched herself to nursing school in 1949 and never once looked back.I looked back for her. Playing at the back of her closet, I would lift the lids from two hat boxes to reveal her enticing separate selves before marriage: in one, the glad girl’s turquoise pillbox…
  • The Angel of the House Has Left the Building

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

  • Summer Vacation on a Budget

    Pauline
    11 May 2015 | 11:05 pm
    This is a guest post from my VA Clarisse. Let me know if you would love to guest post on Savvy Scot! S-U-M-M-E-R is already here and I just came home from a great vacation with my daughter, my younger sister and her BF. We decided to visit our hometown Cebu because it’s been almost 10 years since the last time I visited; my sister and daughter went there 3 years ago. Let me give you a little idea about Cebu City, it is the capital city of the province of Cebu and is the “second city” of the Philippines, being the center of Cebu, the second most populous metropolitan area in the…
  • 10 ways to Get Fit Without Going to the Gym

    Pauline
    12 Apr 2015 | 11:05 pm
    Good morning everyone! This is a guest post from my V.A. Clarisse. Let me know if you want to guest post on Savvy Scot.  I love working out but I stopped going to the gym since last December. Honestly, I’m not really comfortable going to the gym because I prefer to simply stay here at home with my daughter and also I’m saving every penny that I can. Recently, I noticed that I gained weight because I’m not physically active anymore, so I decided to find ways to get fit without going to the gym. Watch a Youtube exercise video This is one of my favorites on the list! I’m a big fan of…
  • Cutting Back on My Basic Spending

    savvyscot
    13 Mar 2015 | 12:16 pm
    Click HERE for Part 2 I want to start this post by saying that the cupcakes that I blogged about making yesterday were a massive success! Although it did take me two full hours and a lot of energy! I know it is not polite to give kudos to your own cooking, but the cupcakes were unreal!! All credit goes to The Alchemist who kindly confirmed today that it was OK for me to display her recipe. After reading Nelson’s recent post about plagiarism over at Financial Uproar  which is targeted at another PF blogger (I won’t name and shame) it prompted me to send an email of to check with…
  • I Can’t Believe It’s March Already!

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

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

  • Short vs. Long-term Savings: How to strike the ideal Balance

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

    admin
    20 May 2015 | 5:18 pm
    There is no simple answer to this question, in the form of a one-size-fits-all solution. In fact, your answer will be unique to your own individual goals, needs and expectations. Here are a few guidelines to get you thinking about an effective and personalized investment spread. Evaluate your risk tolerance Younger investors may well find increased levels of risk more acceptable, and be happier with a high-risk portfolio, simply because they imagine that they have more time for saving. Less volatile investments are usually more attractive to older investors as they deliver steadier returns,…
  • Sole Trader vs. 9 to 5: Which is a More Lucrative Career?

    admin
    3 May 2015 | 2:06 pm
    According to Intuit, 40% of the U.S. workforce will be freelancers by the year 2020. This is part of a global trend, as technological advancement and a lack of permanent employment oppositions encourages proactive individuals to forge their own, independent career paths. While this is understandable, it is important to note that there are multiple factors that impact on your career and how much money you are able to earn though each method of working. There are also a number of pitfalls associated with freelancing or independent contracting, so you will need to think carefully before…
  • Maximising your Disposable Income: Simple Investments that can Boost your Savings

    admin
    3 May 2015 | 1:56 pm
    Aside from the considerable strain that is being placed on natural resources by the ongoing population explosion, the global economy remains in a relatively robust state of health. This means that, as a general rule, citizens in developed economies tend to have more disposable income than at any point since the end of the great recession. Maximising this additional income is a significant challenge, however, especially for the typical individual who has limited knowledge of established investment options such as stocks, bonds and real estate. 3 Simple Investment Ideas that will Ultimately…
  • Forex vs. Real Estate: Honing your Investment Portfolio in 2015

    admin
    27 Apr 2015 | 2:23 pm
    When creating an investment portfolio, there are two key elements to consider. The first is your own unique philosophy as an investor, which should dictate your approach to wealth and your appetite for risk. Secondary to this is the state of the financial market in question and the wider economy, each of which will impact heavily on the performance of individual investments and their profitability. In the current economic climate, forex and real estate arguably represent the two most popular investment options. With this in mind, it is worth comparing these two options both in terms of their…
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    Zoho Blogs

  • Why the Right Applicant Tracking System Will Instantly Improve Your Company’s Candidate Experience

    Austin Ries
    14 May 2015 | 7:37 am
    In the expanse of the Hotel Irvine grand ballroom—nestledin the heart of sunny Southern California—recruiters move from booth to booth like tourists along the Hollywood Walk of Fame. They’re laughing and shaking hands and telling stories; formalities and rituals before business begins. It isn’t long before the conversations shift from small talk to real talk. The, “how have you been’s?”and “so great to see you’s,” become, “I need to enrich my pipeline and reach more candidates…show me your applicant tracking system…can you…
  • How Dave manages all his contacts like a symphony

    Vibhav
    13 May 2015 | 11:03 am
    It was around noon, on a normal workday, and Dave was at his desk as usual, designing a floor plan for his new client, while ​humming along to a song that ​was playing on his stereo system (Dave is a successful architect and runs his own design studio). It was ‘Hotel California’ by The Eagles. As the guitar solo played along, he dropped the pencil and started acting as if he was holding his guitar. He was pretty good with the guitar, and used to jam with a couple of friends on the​ weekends. Dave was so engrossed in the song, that he was pulling riffs on his ruler, imagining…
  • Just In: New Features in Zoho Writer

    Chinmayee Mishra
    12 May 2015 | 10:55 am
    It’s always exciting to bring the What’s New stories to our customers. The newest additions, the most sought-after enhancements, or the upcoming features – they have always made you love the product even more! Today, I am happy to introduce some new additions to our online document editing tool – Zoho Writer. Because we understand the growing need for collaboration in an organization, we have added a few important features in Zoho Writer to help you work smoothly with your team inside or outside your office. Here are some new features from the development desk:…
  • The Sales Pitch: 6 Ways to Turn Off Your Prospects

    Natasha Puri
    11 May 2015 | 8:26 am
    When you’re pumped with a lot of information about the product or service you have to sell, and your mind is swimming with images of over-enthusiastic and over-smart sales guys you see in the movies, it’s easy to fall prey to old habits instead of making a smarter, more innovative pitch to your prospects. Sales reps only get one chance to sell – and the words that tumble out of your mouth can make or break a deal. How can you turn your next client meeting or cold call into a positive experience for you and your brand? Here are six big no-no’s you should avoid: 1. ​The…
  • Introducing Zoho SocialShare – The easiest way for brands to share content

    Meera Sapra
    7 May 2015 | 8:30 am
    We’re always looking for ways to create and share great content that will engage our audience. Creating good content is an art in itself, but so is curating and sharing content. Discovering, curating and sharing great content that your audience will find interesting is hard enough as it is. But it doesn’t stop there – when you find good content, you need an easy way to add it to your social sharing pipeline. Meet Zoho SocialShare, the new browser plugin from Zoho Social, designed to help your brand easily curate and share content. Here are some of our top tips for curating…
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    Cult Of Money

  • 5 Ways to Jump Start Your Savings Goals

    Alexa Mason
    20 May 2015 | 1:15 am
    I’m a firm believer that success leads to more success. That’s why momentum is so important. If you can kick off a goal in a big way then you’ll be more motivated to actually see that goal through. Working on that goal day in and day out will be fun rather than dreadful. If you’ve just started a new financial goal, whether that being paying off debt, saving money, or investing, the best thing you can do to get started is find a way to immediately put a little dent in it. Here are five ways to jumpstart your savings goals. Sell Some Old Stuff The easiest and, perhaps, most profitable…
  • Investing for Beginners: Ideas to Get Started

    Alexa Mason
    13 May 2015 | 1:15 am
    I’ve been in the personal finance space for years but still, investing in the stock market wasn’t something that I jumped at. Instead, I hesitated for far too long. I wasn’t sure where to start, what to invest in, or even how to go about it. Now that all seems so silly. The truth is, it is ridiculously easy to get started, you don’t need to be an “expert”, and you can start investing with as little as ten dollars! Here are some investing for beginners ideas to get you started. (Even if you have no clue what you’re doing!) Choose a “Robo-Advisor” I see a lot of headlines in…
  • How to Get Your House Ready for Sale

    Alexa Mason
    6 May 2015 | 1:15 am
    Buying a house is such a stressful, frustrating, drawn-out process which has me wondering – will selling a house be even more stressful? Jamie and I have been going back and forth with the bank over the past few weeks providing them document after document. (Because it might inconvenience them to ask for everything all at once, right?) Now it looks like we *might* be closing on the new house pretty soon. (I’m holding my breath as I no longer trust the bank!)  And now, we’re left to get this house ready for sale. I had my real estate agent/family friend walk through our current house to…
  • How to Make an Extra $10,000 Per Year by Freelancing

    Alexa Mason
    29 Apr 2015 | 1:15 am
    What would an extra $10,000 per year do for you? Would it help you pay down your student loan balance, take a nice trip, or fund your emergency savings? A few years ago I thought that $10,000 amount was out of reach but today I’m here to tell you it’s very doable, especially if you’re a hard worker. If you need to earn extra money, are willing to put in the work, but are just unsure how to go about it here’s how you can make an extra $10,000 per year freelancing. Choose Your Service As a freelancer you’re offering a service, only instead of being paid by one employer you’re going…
  • How to Save Money When Redecorating Your Home

    Robert Farrington
    24 Apr 2015 | 10:01 am
    Redecorating is a fun yet, stressful project. It’s fun because you get to make your house the way you like it and it’s immensely stressful because it can be extremely expensive if you’re not careful. If you’re wanting to give your home a little makeover but are strapped for cash here are some ways to save money when redecorating. Start With What You Have Sometimes the biggest impact comes from doing the smallest things. For instance, do you have couch in the basement that you could swap out with one in the living room? Can you move wall art around the house? Little changes like…
 
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    Live Well Simply

  • Roof Repair vs Replacement

    Josh Champagne
    18 May 2015 | 12:43 pm
    Roofs will all eventually wear out and need replacement. The question is, how do you know if your roof just needs a quick roof repair job or whether it needs to be completely replaced? If you replace your roof to soon, you might just be throwing money away. Alternatively, if your roof is in terrible condition and has multiple leaks over a wide area, you may end up spending more money in the long run due to water damage in your home’s interior. To know which decision is right for you, let’s look at a few key factors in deciding to repair or replace a roof. Roof Repair vs…
  • Do Infrared Heaters Save Money?

    Josh Champagne
    2 Mar 2015 | 9:48 am
    Earlier this winter, I posted about 10 Ways to Lower Your Heating Bill. I took my own advice on the idea of “heating just the space you occupy”, by purchasing a used EdenPure US1000 Infrared Heater as well as a DeLonghi Oil-Filled Radiator for comparison. How did they perform vs each other and do infrared heaters save money? Let’s find out. Do Infrared Heaters Save Money ? Yes, they CAN! The operative word here is CAN. First you have to understand the limitations of the heater. So, don’t expect a 1,000 watt heater to pump out the high BTU heat of your central heating…
  • How to Save Money on Food and Eat Healthier

    Josh Champagne
    27 Feb 2013 | 7:06 am
    When it comes to our monthly budgets, food seems to take up a big chunk of change. We all eat at least three meals a day plus snacks, desserts, and even drinks. This all adds up fast and can consume too much of your time and money. Beyond that, however, there is also the issue of health. Many people today are overweight. Much of that weight is due to overeating or eating the wrong things. Filling up on junk foods and sugary sodas has led us to an epidemic of obesity. The health concerns associated with obesity and overeating are horrid. However, there are some ways that you can learn how to…
  • 4 Films About Money – A Great Way to Get Money Education

    Josh Champagne
    19 Dec 2012 | 5:10 pm
    Money is a fascinating medium. If you look at the back of a $20 bill, you will see these words “This note is legal tender, for all debts, public and private”.  But, what is tender, what makes it legal, and what are public and private debts? These five films about money will teach you all this and much, much more. 1.  The Ascent of Money: A Financial History of the World http://www.youtube.com/watch?feature=player_embedded&v=4Xx_5PuLIzc 2.  Inside Job (a film about the economic crisis of 2008-2009) http://www.youtube.com/watch?feature=player_embedded&v=FzrBurlJUNk 3. …
  • Spend More Money On What You Want and Less On What You Don’t Care About

    Josh Champagne
    13 Dec 2012 | 6:02 am
    We all have that friend. The one who turns every conversation about debt into a sob story. They can’t stop talking about their awful credit card debt and horrible student loans. Meanwhile, they’re burning through credit card-financed chai lattes at an alarming rate and always seem to have new designer clothes. On the flip side of that coin is “The Monk”. Your friend who’s so proud of his minimalist lifestyle that he can’t shut up about how he only eats lentils or rice and sleeps on the floor because “mattresses are so bourgeois”. Somewhere in…
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    Finance and Money Savings Tips

  • Personal Finances, Lending and Retirement The Right Combination

    30 Apr 2015 | 7:33 pm
    No one likes to consider thinking about divorce. When people do end up divorcing, often times long term financial concerns do not receive the attention that they should. This is completely normal, divorce after all is not a pleasant thing for most, and most people have more pressing concerns such as where to live next, how to handle reduced income since divorcees have to rely on themselves now, and if children are involved, how to take care of their needs between two households. One aspect of long term finances that often gets over looked during this period of time is that of retirement and…
  • Installment Loans From Credit Unions FAQ

    6 Nov 2014 | 7:24 am
    Installments loans are personal loans that are advanced by several types of banking and financial institutions. Installment loans are unlike payday loans in that the loans are not paid back completely in a single or few payments. Installment loans are paid in installments of a set period of time depending on the amount. These amounts can vary depending on the customer, institution, and state and federal state regulations. However, most institutions do have limits. These limits are based on the customers’ ability to repay, as well as, the stated regulatory authorities. Some installment loans…
  • Are Home Equity Loans Favorable Options Versus Signature or Personal Loans

    25 Sep 2014 | 9:52 am
    Will a Home Equity loan or a personal loan work better for you If you are short on cash there are a couple of ways you can look into to get some into your pocket. If you have good credit you could apply for a personal loan and borrow against your good credit history and reliability. If you are a homeowner and have some equity built up in your home you could borrow against that in a couple of different way. You could apply for either a home equity loan or a home equity line of credit. A couple of important features that might determine the way you want to borrow your money might be whether the…
  • Tips For Students Heading To College This Fall To Find The Right Credit Card Offer

    4 Aug 2014 | 10:18 am
    Graduating college is an exciting time in one’s life. However, going into the world with a degree in hand and no credit can present its challenges. Moving into your own place for example could be costly with high deposits, or you could be denied all together without a credit history. Even starting up utilities or Internet, TV, and phone service could cost you a hefty deposit. Without a credit history, companies cannot assess how credit-worthy you will be going forward and must assume you may be a high risk. As a result, many of them will require a deposit to protect their interests. In…
  • Living Paycheck to Paycheck Increases Potential For Poor Financial Decisions

    2 Apr 2014 | 7:11 am
    Living paycheck to paycheck leaves people vulnerable to financial disaster. The biggest problem is the future uncertainty that this presents should a life altering event take place. Employees think they are safe in their job and have no risk of unemployment. This mindset deceives them into managing their money in a careless manner. They do not feel the threat of financial troubles because they are use to a regular paycheck. Basically, they take this regular check for granted. As a result, they spend every cent they earn as fast as they can. It is a sense of entitlement. They think if they…
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    Wealthy Turtle

  • Friday Roundup – Tee Ball Edition

    Mike Collins
    22 May 2015 | 4:56 am
    Friday is a time for fun and relaxation.  The work week is finally drawing to a close and the weekend can’t come soon enough.This time of year weekends are extra fun because they’re full of beautiful weather, swimming pools, BBQs with friends, and baseball season (Let’s Go Mets!) but this year is even more fun because my 5 year old son is now playing Tee Ball!I’m an assistant coach for my son’s team and it is so much fun watching him play. He’s just so into it and he’s very coach-able and open to learning which is great!  He also throws lefty and…
  • Pros and Cons of Opening a Franchise

    Mike Collins
    20 May 2015 | 7:08 am
    Opening a franchise is a way to get a head start and hit the ground running with a new business rather than having to start from scratch.Franchises have always been a popular option among entrepreneurs because they come with their own template and business plan, plus a home office that is there to help you get set up and maintain your business.But opening a franchise isn’t for everyone.  As you’ll see below, there are pros and cons to opening a franchise and you should consider them all carefully before jumping into the deep end.Pros to Opening a FranchiseBrand Awareness.  Perhaps the…
  • Three Ways to Still Have Fun While Paying Down Debt

    Melissa Batai
    15 May 2015 | 5:10 am
    Have debt?  Chances are, you had debt for a few years; it probably bothered you, but not too much.  However, once you make up your mind to be rid of the debt, as is human nature, you want to be rid of it right now!We put up with debt for two years while my husband finished his doctorate degree.  Now, nine months after he finished his degree, we want nothing more than to be debt free, which means we don’t budget in a lot of luxuries or treats.  Instead, we funnel all of our extra money to debt repayment.  However, we still find free ways to have fun.  Here are some of our best…
  • Cancel Memberships You’re Not Using

    Mike Collins
    11 May 2015 | 6:38 am
    Welcome to the latest edition of Money Saving Mondays, where we share short, actionable tips that will help you start saving money almost immediately.Today’s tip is to stop wasting money and cancel memberships and subscriptions that you no longer need or use.If you take a good, hard look at your spending I guarantee you’ll find some kind of membership or subscription that you’re paying for even though you stopped using it long ago.Did you sign up for a gym membership in January with big plans to get back in shape but you stopped hitting the treadmill sometime around…
  • Creative Income Challenge Month #2 Update – Up 237.58!

    Mike Collins
    7 May 2015 | 8:00 am
    It’s been a crazy week.  I’m off the hook busy at my day job and it seems we something going on every night too.  Dropping the kids off at soccer practice, Tee Ball practice, or girl scouts, a work dinner that meant I got home late, terrible traffic every day (can’t anyone drive???), and always things to do around the house.Tonight is the Powder Puff Derby where the girl scouts race homemade cars (boys scouts call it the Pinewood Derby).Last year was my first time building Pinewood Derby cars and I had no idea what I was doing. but we had beginner’s luck on our side…
 
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    Bank On Yourself

  • Get all your questions about Bank On Yourself answered – Live Webinar

    Pamela Yellen
    1 May 2015 | 9:15 am
    You’ve been reading about Bank On Yourself. You may have thought about trying the program. But you might have questions like… “I don’t totally get how the concept works.” “How can I be sure this is really legitimate?” “Could this really work for me in my situation? How can I find out, without actually meeting with an Advisor or feeling obligated?” That’s why I’d like to invite you to join me and three of the most experienced Bank On Yourself Authorized Advisors in the country (learn why only 200 Advisors have met the rigorous requirements) for a no-holds-barred…
  • 5 Financial Myths that Are Destroying Your Wealth

    Pamela Yellen
    16 Apr 2015 | 11:20 am
    The problem isn’t so much what people don’t know, the problem is what people think they know that just ain’t so.” — Will Rogers Remember when you were absolutely certain about something that turned out to be false? Like Santa Claus or the Tooth Fairy. Or how about the witch that hides under your bed waiting to attack so you have to flip the light switch then spring into your bed before she gets you? (Okay, maybe that one’s just me.) In honor of National Financial Literacy Month, let me just debunk a few “things you know that just ain’t so”: 1. You’ll…
  • Why a Little Financial Information is Dangerous

    Pamela Yellen
    14 Apr 2015 | 12:34 pm
    Just cuz you’re following a well-marked trail doesn’t mean that whoever made it knew where they were goin’.” — Texas Bix Bender I respect people who are self-educated, and I respect people who continue to educate themselves about various topics, even after they’ve finished their degrees. As legendary basketball coach John Wooden used to say, “It’s what you learn after you know it all that really matters.” That said, a little financial self-education can go a long way – toward completely destroying your financial future! Why? Because when you…
  • The Checklist: What You Need to Know Before You Commit to a Financial Product or Plan

    Pamela Yellen
    9 Apr 2015 | 8:31 am
    People are quick to dispense advice on any subject, regardless of their qualifications. Most people don’t even distinguish between ‘opinion’ and ‘knowledge’. That’s why you must.” — Dan Kennedy Your Uncle Vinnie corners you at the Sunday barbeque: “You got to get on board! It’s like buying into Microsoft in the ’80’s.” Your dentist tells you to open wide and “You gotta check out this once in a lifetime opportunity. It’s the mother lode!” Your golf buddy swears she’s found the “ultimate tax…
  • It’s National Financial Literacy Month – Do You Know Your Financial IQ?

    Pamela Yellen
    2 Apr 2015 | 11:02 am
    April is National Financial Literacy Month, and here at Bank On Yourself, we’re doing our part to give Americans the knowledge and skills they need to make smarter financial decisions. As President Obama noted in a 2011 Proclamation supporting National Financial Literacy Month, “We must strive to ensure all Americans have the skills to manage their fiscal resources effectively and avoid deceptive or predatory practices.” And the Senate resolved in 2012 that “increased financial literacy empowers individuals to make wise financial decisions and reduces the confusion…
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    Smarty Cents

  • What EXACTLY Is a Stock Market Crash?

    alissaharb
    22 May 2015 | 4:00 am
    Following recent speculation surrounding a close-call in the US markets back in 2010, we’re digging deeper into the notion of a stock market crash. Sounds scary, right? Yep. But even scarier? Many consumers don’t know the actual definition of a stock market crash, or what causes one. But here it is—debunked.
  • 7 Transportation Costs to Factor Into Your Budget

    alissaharb
    21 May 2015 | 4:00 am
    Since getting from Point A to Point B is a necessity, we often don't realize how much we're spending. Here's how to recognize—and reign in—those transport costs.
  • Why College Major Doesn’t Dictate Earning Potential

    alissaharb
    19 May 2015 | 4:00 am
    While prospective college students—and their parents—may be motivated to research the typical earnings for degree-holders in each major before deciding on a course of study, the numbers can actually be pretty deceiving. If earning potential is a high priority in choice of major, here’s why (and how) you should dig deep into available data before coming to a decision. Don’t miss… Your New Job Negotiation Should Go Way Beyond Salary
  • How the Internet Changed the Real Estate Industry Forever

    alissaharb
    18 May 2015 | 2:00 am
    From the Multiple Listing Service (MLS) to personal networks, the real estate industry thrives on the timely dissemination of information. Until recently, real estate professionals were the exclusive custodians of that information, and they held it close to the vest so that prospective buyers and sellers had to seek them out. But then the Internet changed everything. “For the past 200 years, real estate professionals have basically controlled 90% of the transaction,” says Rick Sharga, executive vice president of Auction.com. “The Internet has flipped the model upside down and put the…
  • The Business Partner Agreement: Promise and Perils

    alissaharb
    14 May 2015 | 2:00 am
    Going into business with a partner, adding one after you’ve started your company, or taking on an investor all have advantages and disadvantages. Some are financial, some legal, some psychological and some management-based. Understanding that a business partnership can be like a marriage will help you take steps to analyze if this decision is right for you and learn how to structure a partnership to avoid potential pitfalls. Types of Partnerships When you partner with one or more people in your business, you have different options for structuring your business partner agreement. •General…
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    Stock Market Loss

  • Non-Traded REITs are Unsuitable for Retail Investors

    Jay Salamon
    19 May 2015 | 11:00 am
    This article was originally posted on Stock Market Loss We continue to see lots of activity involving unsuitable sales of non-traded Real Estate Investment Trusts (“non-traded REITs”). If you’re a retail customer who was sold one of these things with promises of higher yields, guaranteed returns, principal protection, or other bogus enticements, you’ve probably already lost money and may now find yourself stuck. Call us. We’ve helped many buyers of non-traded REITs recover money from their brokers. Non-traded REITs can be either public or private. A public non-traded REIT is…
  • FINRA Toughens Sanctions Guidelines For Unsuitable Recommendations

    Jay Salamon
    18 May 2015 | 10:16 am
    This article was originally posted on Stock Market Loss A stockbroker is not permitted to indiscriminately sell any available investment product to any customer he or she chooses, nor may a broker follow a “one-size-fits-all” sales strategy. Such activities are forbidden by what is generally known as the “suitability rule.” The rule dictates that brokers’ recommendations to buy, sell,  or hold securities or to follow a particular strategy must be compatible with the customer’s investment profile and must take into consideration the client’s age, investment experience,…
  • Dispute with Your Broker? Don’t Be Late to Arbitrate

    Jay Salamon
    15 May 2015 | 9:22 am
    This article was originally posted on Stock Market Loss Do you dream of finding an omniscient stockbroker who will guard your principal from loss, invest it wisely, generate above-average returns, and never cause you aggravation or harm? Well, if so, wake up. You’re dreaming, remember? A Stockbroker’ Job Is To Sell Stuff Stockbrokers are just commissioned salesmen trying to make a buck. Many are well meaning, but some can be treacherous. Most can offer some decent products and also some truly awful products, and some brokers will recommend the truly awful products simply because they…
  • Merrill Lynch Axes $1.3 Billion Broker Thomas Buck for Alleged Abuses

    Jay Salamon
    3 Apr 2015 | 10:41 am
    This article was originally posted on Stock Market Loss An Investment News article reports today that Thomas J. Buck, who was Merrill Lynch’s top financial adviser in Indiana by assets under management – reportedly $1.3 billion — was suddenly and unexpectedly terminated for alleged compliance violations. The article states in part: Ultimately, Merrill Lynch officials pointed to a number of problems they said had resulted in “management’s loss of confidence” in Mr. Buck, according to his U5 filing, which Merrill Lynch submitted to Finra on Thursday. Mr. Buck was ultimately…
  • Stockbrokers Contend They Do Not Owe Fiduciary Duties to Investors

    Stock Market Loss
    31 Mar 2015 | 2:11 pm
    This article was originally posted on Stock Market Loss As securities lawyers, we always argue on behalf of our arbitration clients (usually successfully) that stockbrokers are fiduciaries who owe the highest duty of care and fidelity to customers. The relationship an investor has with his or her stockbroker is considered by most to be one of absolute trust. An investor entrusts a significant amount of hard earned money to the stockbroker and naturally assumes that the broker will invest that money with the best of intentions. Unfortunately, broker misconduct occurs every day in this country.
 
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    DINKS Finance

  • 5 things that are worth the cost as I get older

    Kristina
    25 May 2015 | 2:00 am
    Good morning Dinks.  Let me ask you a question, is your taste evolving as you get older?  Mine is.  I can’t decide if it’s out of necessity or out of maturity but either way I find myself spending money on things that I normally wouldn’t spend money on. Do you spend more money now than you did 10 years ago? Cabs This is the biggest change I’ve noticed now that I’m almost 35 years old (in October).  10 years ago I would walk anywhere and everywhere – even in the rain – to save $5.  Now I don’t think twice about dropping $10 on a cab ride…
  • Weekly roundup: I had a breakdown in Bed, Bath & Beyond

    Kristina
    22 May 2015 | 2:00 am
    Happy Friday Dinks.  We are about to get in to the difference between men and women when it comes to home decor, shopping and mental stability.  Earlier this week Nick and I decided to take a trip to Bed, Bath & Beyond so we could finally start decorating our apartment. We’re starting to decorate our new apartment When we moved back in October and since we needed to buy so much new furniture we decided to wait until spring to start decorating.  Well spring is now here and I’m in full Flip This House mode.  I’ve been searching staging websites and looking around…
  • Are you underpaid?

    Kristina
    21 May 2015 | 2:00 am
    Are you?  Take a second and really think about the question.  If you go to work every day and give it your best effort are you really being paid what you’re worth?  I think most people would say no.  Even those who are self employed may think they’re not always paid what they’re worth. Maybe this is just how the game goes.  We usually agree on an annual salary or an hourly rate for services rendered before we actually start working.  Therefore we don’t know exactly how much work is involved until we’re already on the job. I think I under-valued the last two…
  • What would you tell your younger self about money?

    Kristina
    20 May 2015 | 2:00 am
    Do you ever wake up, look around and think how did I get here?  I had my AH-HA moment earlier this week.  I woke up Monday morning in our king size bed, in our 1100 sq ft apartment and thought to myself I can’t believe I live here. I’m grateful for everything I have I used to be so broke I couldn’t even afford to eat three meals a day, now I live in a beautiful apartment in a historic neighborhood.  After the market crash Nick and I had to move for financial reasons and we lived in just over 500 sq ft for six years.  Now we use the phone intercom when we want to talk to…
  • Marriage and Merging Money

    Em
    19 May 2015 | 4:00 am
    Money is often an issue that tends to cause the most friction between a newlywed couple. In a world where the majority of people are concerned with their own personal well being, it is easy to forget that marriage is a mutual arrangement, not a solitary effort. Trust is a vital component in establishing a strong commitment in this shared life with your new spouse. A couple’s financial situation can be the source from which a newly forged partnership flourishes or the one thing that can sabotage a relationship. As you begin your journey and build a future together, carefully consider the…
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    Wallet Hub

  • The 2015 Indianapolis 500 By The Numbers

    John S Kiernan
    20 May 2015 | 4:26 pm
    Posted by: John S Kiernan The Indianapolis 500 is one of the most quintessentially American events on the annual sporting calendar, converging 300K visitors to the city’s storied Motor Speedway and gluing million pairs of eyeballs to television sets globally. We watch for many reasons. Many invariably tune in for the potential excitement of fiery wrecks and pit crew brawls. But then there are others who root for favorite driver or are mesmerized by the poetry of pit stops and the sheer engineering brilliance fueling cars that reach an excess of 225 mph. Much is also on the line with the…
  • 2015’s Best Investing Blog Contest

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

    John S Kiernan
    27 Apr 2015 | 9:50 am
    Posted by: John S Kiernan It has been dubbed The Fight of The Century, and while the name is clearly characteristic of the sweet science’s inherent hyperbole, fight fans have indeed been waiting for a bout between these pound-for-pound titans – generally regarded as the best boxers in the world – for most of the new millennium. But, derailed by contractual stand-offs regarding revenue distribution and drug testing and marked by allegations of avoidance and cheating, the bout everyone wanted to see seemed as if it would never be. Miraculously, however, the two fighters have come together…
  • 2015’s Tax Day By The Numbers

    John S Kiernan
    13 Apr 2015 | 12:09 am
    Posted by: John S Kiernan April 15 is one of those dates that’s simply synonymous with a particular event, representing Tax Day like Dec. 25 and Jan. 1 do Christmas and New Year’s, respectively. The glaring difference is that we approach this IRS holiday with foreboding – images of audits and unpaid liabilities dancing in our heads rather than sugar-plums. Such concerns, embedded in our DNA since Revolutionary times, are also well-justified – considering that we collectively fork over $3.1 trillion to Uncle Sam each year and spend 6.1 billion hours making sure our payments are proper.
  • The 2015 Masters Tournament By The Numbers

    John S Kiernan
    7 Apr 2015 | 12:50 am
    Posted by: John S Kiernan Four. It’s a number deeply representative of the Masters Tournament – one of golf’s quartet of “majors” – and the 2015 iteration in particular. Can Rory McIlroy – the No. 1 player in the world – take home the Green Jacket and in so doing win his third major in a row as well as complete the career Grand Slam? Or perhaps defending champion Bubba Watson will prevail instead, taking ownership of three out of the last four Masters titles. Who knows – maybe one of the four Koreans in the field (or the single player from Japan, Thailand or India) will even…
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    Refinance and Consolidate Your Student Loans | Student Loan Hero

  • 5 Options to Avoid Getting Robbed By Bank Fees

    Melanie Lockert
    22 May 2015 | 3:30 pm
    Have you ever been scrolling through your bank account and saw a funny fee that you didn’t recognize? That happened to me a few years ago, when I was sifting through my online account, and there it was: a bank fee. Bank fees can take a toll on your finances each month. Depending on your […]
  • The 6 Best Banks to Refinance and Consolidate Student Loans in 2015

    Andrew Josuweit
    20 May 2015 | 9:16 am
    Updated May 18, 2015 Finding the right bank to refinance or consolidate your student loans is confusing. Fortunately, we’ve highlighted a few banking organizations to help you find private and federal student loan refinancing or consolidation options that fit your financial situation. When you apply, most banks take into consideration your credit score, annual income, […]
  • Important Update: The New FSA ID And How It Impacts Your Student Loans

    Melanie Lockert
    20 May 2015 | 1:00 am
    Last week the U.S. Department of Education made a big change in the way borrowers, parents, and students alike access their information on financial aid websites such as StudentLoans.gov and the National Student Loan Data System. In the past, students would use the Federal Student Aid (FSA) PIN, which utilizes a borrower’s Social Security number […]
  • What You Need To Know Before Consolidating Federal AND Private Student Loans

    Melanie Lockert
    19 May 2015 | 1:00 am
    Once you’ve graduated and things start to settle down from the after- graduation excitement, the student loan letters start to trickle in. You might think: “How many lenders do I have?” Or “Is this seriously how much I owe?” And “How will I ever afford these payments?!” It’s a frustrating experience to have so many […]
  • Do You Need Insurance For This? Or Should You Save Your Money?

    Melanie Lockert
    13 May 2015 | 1:00 am
    Life is full of surprises, and many of them can be quite expensive. Imagine yourself unexpectedly ill and in the hospital. Or your precious laptop is stolen from your car. Even worse, imagine if there is a sudden death in the family and aside from the tragic circumstances, there’s uncertainty how income will be replaced. […]
 
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    Everyday Financial Strategies

  • 5 Reasons Why Charitable Giving Must be Part of Your Financial Plan

    Robert
    18 May 2015 | 3:00 am
    Last Wednesday, at Heartland Community Church, I taught my last Financial Peace University class for the spring. The lesson was called “The Great Misunderstanding.” This class reminds me of why charitable giving must be a part of a healthy financial plan. This lesson prompted me to write a post on GIVING. photo credit: Grzegorz Łobiński via photopin cc Just about all of my blog posts have had something to do with a part of personal finance such as budgets, investments, insurance, behavior, and debt elimination. However, GIVING is my least covered topic yet it is probably the…
  • How Do I Get Out of Debt?

    Robert
    15 May 2015 | 3:00 am
    Debt kills (your wealth). It is a silent thief in your wallet. It steals from your biggest wealth building tool; your income. So how do you get out of debt and break the cycle? There isn’t a secret to getting out of debt, it is not rocket science. Personal finance is all about behavior. A financial plan looks great on paper, but isn’t worth the paper it’s printed on unless it is implemented. photo credit: Andres Rueda via photopin cc Becky (my wife) and I have been debt free (except for our mortgage) since 2010. No credit cards or no car loans. I often have been in arguments…
  • Real Estate: When or When Not to Buy

    Robert
    11 May 2015 | 3:00 am
    Real estate is a great investment. However, not so if you are not financially ready to buy. If you buy real estate when you are not ready, the result could be foreclosure or bankruptcy. photo credit: JefferyTurner via photopin cc The primary cause of the 2008 recession was the collapse of the housing market. Why was that? Lenders and borrowers engaged in mortgage contracts that they had no business making such as “subprime” rates or no down payment required. These mortgages were then securitized and sold on the market to investors. Consequently, these mortgages went bad because…
  • How to Create a Budget: 5 Simple Steps

    Robert
    8 May 2015 | 4:00 am
    The thought of creating a budget for your household can be a scary or intimidating. After all, if you have never created a cash flow plan, the toughest part is starting or knowing where to begin. Why Now? Why would you need to create a budget? Simple, without a budget, you have no plan for your money. A budget is simply a plan or a framework for telling your money what to do. Luke 14:28-30, Jesus said “For which of you, intending to build a tower, does not sit down first and count the cost, whether he has enough to finish it (29) lest, after he has laid the foundation, and is not able to…
  • 5 Reasons to Invest In Mutual Funds

    Robert
    8 May 2015 | 3:00 am
    On October 9, 2007, the Dow Jones Industrials peaked at 14164. Soon to follow was the great recession which saw the Dow bottom to 6594 on March 5, 2009. As of March 25, 2013, the Dow was at 14512. Talk about a roller coaster!! My wife and I have been able stomach the ride and reap the benefit of seeing our net-worth tick up. We did not panic and kept our money in the stock market, more specifically; in mutual funds. Mutual funds are not exciting, in fact they are quite boring. However, they are perfect for a simple investment strategy KISS (keep it simple stupid). Before we got…
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    Modest Money

  • Wearable Technology Revolutionizing the Workplace

    Adam
    25 May 2015 | 6:15 am
    Meet Brent Blum, the Director of Wearable Technologies at Accenture. In this video from The Economist and Samsung, he discusses the future of IoT (The Internet of Things). It’s quite interesting to think how his vision of what wearable technology would accomplish in the future would be considered science fiction and this was not too long ago. Brent feels strongly that wearable technology is going to drastically change and improve the workplace. I guess only time will tell the truth! You can click on the image below to check out the video on the Economist/Samsung site and check out at…
  • Make Your Savings Account More than a Place to Keep Your Money

    Adam
    22 May 2015 | 6:15 am
    Savings accounts are useful, in that you need to keep your money somewhere and you can’t just sew cash into your mattress. But while savings accounts have always kept your money safe, they haven’t paid much out lately. Most savings accounts provide you less than 0.5% interest, meaning that even if you kept your money in the bank for 50 years, it would grow so slowly during this time that it wouldn’t outpace inflation, leaving you poorer for having saved. I’m always going on about how important it is to have an emergency savings account. But how can I justify putting lots of money…
  • Learn the Life Hacks of Wealthy People

    Adam
    21 May 2015 | 6:15 am
    Mansions, designer clothes and fancy cars aren’t the only possessions that set rich people apart from the rest of society. The one thing that really distinguishes the wealthy is their ability to seize any opportunity and convert it into financial success. Have you always wanted to get rich? Here are some life hacks of wealthy people you can learn. 1. Don’t be afraid to take risks Having the courage to take a risk is often what got the wealthiest members of society rich in the first place. Banishing your fear of failure is a life hack that can be applied to any endeavour, but it is…
  • Four Top Financial Mistakes Homeowners Make

    Adam
    20 May 2015 | 7:28 am
    Our focus with a home tends to be on our lifestyle and family relating to living our lives.  Yet a home is our largest financial asset and it is a large physical asset that needs to be managed.  Here are four common financial mistakes most of us make and a great online solution to help you eliminate them. Not prepared for unexpected fix it or replacement costs: Your home is full of equipment, appliances, fixtures, and finishes that need regular maintenance.  Forgetting or not knowing these common maintenance tasks causes your home’s assets to wear out sooner than they should resulting in…
  • A Lot of People are Getting Ready to Buy Homes

    Adam
    19 May 2015 | 6:15 am
    This post brought to you by Chase Mortgage Banking . The content and opinions expressed below are that of Modest Money. If you read this blog very much, you know I talk about real estate a lot. Generally, buying a home can be one of the best financial decisions you’ll make in your life. The financial crash of the last decade put the brakes on home sales in most markets. But this also resulted in the lowest-seen interest rates in living memory. Home ownership is a central part of a healthy economy, and the government did a lot to buoy the real estate sector using this and other tactics. But…
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    Save Invest Give

  • Salt Water

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

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

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

  • You Can Learn to Grow Money in Your Garden

    Advisor Voices
    22 May 2015 | 1:27 pm
    By Anthony Isola Learn more about Anthony on NerdWallet’s Ask an Advisor My favorite hobby is gardening, and much of what I know about plants I learned through trial and error. I’m also a Certified Financial Planner, and that’s helped me recognize the many parallels between growing your garden and growing your money. Gardening teaches valuable lessons about wealth management. You see the importance of patience, cost efficiency and diversification while you get your hands dirty and make your world a more beautiful place. With both gardening and investing, doing things correctly brings…
  • Robo-Advisor Is No Match for a True Financial Planner

    Advisor Voices
    22 May 2015 | 1:05 pm
    By Steven Elwell Learn more about Steven on NerdWallet’s Ask an Advisor Lately the financial planning world is full of news about the threat from “robo-advisors” — online software services that manage clients’ investment portfolios with minimal involvement by actual humans. Some stories even suggest that financial planners could fall by the wayside amid this rise of the robots. Let’s pump the brakes on such doomsday scenarios for the industry. Actual financial planners bring some crucial advantages that can’t possibly be matched by software. There are several key areas where…
  • Simple Steps to a Financially Sound Small Business

    Advisor Voices
    21 May 2015 | 1:42 pm
    By Anna Sergunina, CFP Learn more about Anna on NerdWallet’s Ask an Advisor Running a small business can be a rewarding experience, but without solid financial planning, it can also be a harrowing one. By working closely with a financial advisor and following a few simple rules, business owners can avoid some of the most common pitfalls. Create a financial plan It seems obvious, but it’s worth noting that you need a basic cash-flow and budgeting plan. Knowing your personal income and expenses helps you plan and predict business income and expenses. It also allows you to calculate how much…
  • Should I Work For a Startup?

    Advisor Voices
    20 May 2015 | 10:43 am
    By Megan Terzian Learn more about Megan on NerdWallet’s Ask an Advisor A young, smart software developer graduated from college and went to work for an early-stage startup no one had heard of, which provided an online service no one thought was necessary. She worked hard, helping the startup with whatever needed to be done. Sometimes she did coding for the website, sometimes she did customer support. There were many months of working long hours and receiving small paychecks accompanied by stock options that were technically worthless. Then, despite the odds, the online service took off.
  • Parents’ Good Intentions Set Up These Financial Challenges

    Advisor Voices
    19 May 2015 | 11:56 am
    By Brian McCann Learn more about Brian on NerdWallet’s Ask an Advisor Every parent knows that having kids complicates your financial life. The most recent federal estimate puts the average cost of raising a child born in 2013 until age 18 at nearly a quarter of a million dollars — $245,340 to be exact. And that doesn’t even take into account saving for college. Your actual cost will vary, of course, according to who you are and where you live. The bottom line, though, is that you’ll need a sound financial checklist when planning for a child. It should address your employer’s family…
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    The Truth About Credit Cards.com

  • Introducing the Credit Card Stylus – Never Touch a Touch Screen Again

    Colin Robertson
    11 May 2015 | 1:04 pm
    I do my best to cover all types of seemingly strange credit card gadgets that make their way to market, along with those that are in production or have aspirations to be. Lately, this has included a lot of all-in-one credit cards such as Stratos and Coin, and a new digital/physical wallet called the Wocket. [&hellip
  • The Wocket Wallet Aims to Replace Your Entire Wallet, Not Just Your Credit Cards

    Colin Robertson
    6 May 2015 | 12:29 pm
    There’s been a strong push of late to replace physical credit cards with either all-in-one cards such as Coin and Stratos or digital wallets like Apple Pay. But many of those systems rely on an associated device, such as a smartphone, to operate, along with an internet connection. Sure, most people don’t travel without their [&hellip
  • New All-in-One Stratos Card Ships

    Colin Robertson
    30 Apr 2015 | 12:32 pm
    If you’re looking for a fancy way to declutter your wallet (other than Apple Pay), you may want to check out the new Stratos card, which is a Bluetooth-connected card that just began shipping this week. It works similarly to Coin, though there are a number of differences. For one, you can store all types [&hellip
  • Citi Now Offering 0% APR for 21 Months on Two Credit Cards

    Colin Robertson
    29 Apr 2015 | 1:00 pm
    Call it a revival to the days of easy credit, or perhaps just a few more months of interest-free living. Either way, consumers may now apply for a credit card with 0% APR for a full 21 months, which reminds me of the good old days. It’s not quite 24 months, which I believe was [&hellip
  • Get a Free Smartphone with the New AT&T Access More Card

    Colin Robertson
    23 Apr 2015 | 5:00 pm
    If you’re in need of a new smartphone, but aren’t willing to spend an arm and a leg to get it, there’s now another option. The new “AT&T Access More Card” from Citi is offering new cardmembers a free smartphone (up to $650 in value) excluding taxes, shipping, fees, and wireless service. Just to give [&hellip
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    PennyMac

  • 7 Steps to Buying an REO Property

    20 May 2015 | 8:00 am
    Buying a home at an REO sale can be an excellent opportunity to get into a property while saving money since "real estate owned" by the lender is frequently priced at a discount. While REO homes might need some work, it can be an opportunity to immediately create value so that you can end up with equity in your house from day one. Buying a home at an REO sale is similar to the process of buying one at any other sale.
  • Enhancing Your Online Mortgage Account!

    7 Apr 2015 | 12:00 am
    We listened and it’s here! We completely redesigned our loan servicing website with features that allow you to access your loan information from your computer, tablet, or mobile device. Top to bottom, every aspect of your logged-in experience has been rebuilt and reconsidered with the focus on improving your overall online mortgage experience.
  • Information on Your Year End Mortgage Tax Statements

    18 Feb 2015 | 12:00 am
    PennyMac issues the Year End Statement (also known as a Form 1098 or annual tax statement) annually to mortgagors for income tax reporting purposes. This statement includes the total amounts for interest paid and property taxes paid from your escrow account (if you have one) for the entire year.
  • Huge Redesign. Major Update.

    19 Dec 2014 | 12:00 am
    Over the past couple years, we’ve seen more customers using phones and tablets to access PennyMacUSA.com. Last week, we redesigned the site to ensure that you’re able to find what you need clearly and easily regardless of the device you’re using. Searching for rates, learning more about smart home finance, and finding the right loan has become much easier.
  • Why Cash-Out Refinancing May Not Always Make Sense

    24 Apr 2014 | 2:40 am
    If your home value is now comfortably above water, you may be tempted to refinance once again to take cash out from your improved home equity. Cash-out refinances typically have no restrictions on how you use the cash you receive. The proceeds can go towards anything from making home improvements to paying for a child's education or even a new car.
 
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    Moneycation

  • Self-made billionaire: Do you have what it takes?

    A.W. Berry
    18 May 2015 | 5:00 am
    There may be no single formula for becoming a billionaire, and sometimes circumstances such as being at the right place at the right time make a difference. However, increasing the odds of becoming wealthy is possible by emulating the same characteristics that billionaires have in common. The following Brighton School of Business Management infographic describes common personality traits share by some of the wealthiest people in the world.
  • How to retire with more money in your pocket

    A.W. Berry
    15 May 2015 | 9:19 am
    Some people enjoy working in retirement, but having enough money to work at a slower pace and with less worry often takes good financial planning. So how is this done? Financial responsibility is always a good place to start and that does not necessarily mean fiscal self-deprivation. In other words, things like paying attention to financial opportunities such as employer matching programs and building an emergency fund to protect capital.When it comes to spending, budgeting for vacations and other entertainment is also wise. Otherwise, overspending, unaccounted  for costs and emotional…
  • Counterfeit Viagra gang faces hard times

    A.W. Berry
    12 May 2015 | 6:17 pm
    By Andew ReillyUSGov-PDThere are a number of products where people are happy enough with a counterfeit product that is reasonably similar to a brand name product. While you know that you aren’t going to get the quality from a fake Gucci handbag, fake Beats headphones or fake Nike trainers that you would get from the real product, the price may provide you with value for money. If you really want to wear or use your new items on a particular occasion, perhaps boosting your image or standing out from the crowd, you can see why this sort of product would be a decent investment for the money…
  • Newletter: Trading platforms

    A.W. Berry
    11 May 2015 | 5:52 pm
    Moneycation may 2015 newsletter; volume #3, issue #11 from A.W. Berry
  • The SME's guide to online payroll services

    A.W. Berry
    6 May 2015 | 6:55 am
    Employment laws, tax laws and company accounting methods contribute to the complexity of  small and medium enterprises' payroll management. Fortunately, there are options that make this process simpler and easier.  Some of these options are self managed whereas others are outsourced or licensed using third party software providers. In any case, being thoroughly familiar with the payroll process, how to streamline it and knowing the pros and cons of payroll services is an informed business approach.The following Ayers infographic details a comparison of two popular payroll provider…
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    LCF on Personal Finance

  • 5 Common Misconceptions on Unit Trust Investing

    ChingFoo Lieu
    13 May 2015 | 6:06 pm
    1) The fund annual management fee must be deducted from the indicated ROI to reflect net return In a fund fact sheet, many investors tend to substract the annual management fee from the indicated returns to get the actual returns. For instance: Annual Management Fee : 1.5% Annual return : 10% Actual Returns : 8.5% The example above is a mistake. Firstly the annual management fee will be deducted from the fund’s Net Asset Value daily. Therefore when a fund publishes their fund price at the end of each business day, this is the true value of the fund after deducting all cost incurred…
  • This is why EPF withdrawal at age 60 is a good thing – behavioral finance

    ChingFoo Lieu
    4 May 2015 | 3:17 am
    Suppose you were offered RM 100,ooo today or RM 100,100 tomorrow, which one would you choose? From purely rational perspective, we will all choose RM 100,100 tomorrow. But what commonly happen is people choose to receive what is available to them today instead of tomorrow. This particular irrationality is known as hyperbolic discounting. It refer to the tendency to choose a smaller but sooner reward over a larger but later reward. People just don’t want to wait longer, because we consider the future as far less salient than the present even though the facts present otherwise. More…
  • Top 2 EPF Misinformation you should be wary about

    ChingFoo Lieu
    21 Apr 2015 | 9:49 pm
    There are a few chain emails and Whatsapp message that has been circulating recently on the supposedly certain “hidden” actions or rules by EPF which is deemed as inappropriate. Get your facts rights people, as some of these are misinformation in which EPF itself has answered to them publicly via public memo. So the next time before your forward such misinformation further, check your source and EPF official website. Misinformation#1 – When your sole or last surviving nominee dies, your money automatically gets put into Amanah Raya Public trustee. On top of that, the death…
  • Here is why we cannot be fully dependent on pension or EPF

    ChingFoo Lieu
    14 Apr 2015 | 7:11 pm
    Changes to the Retirement Fund Act 2007 which governs pension fund Retirement Fund Inc, or KWAP, has created a bit of a stir First is removing Bank Negara (BNM) representative from KWAP’s investment panel. Second is asking officials of the fund to be sworn to secrecy on unpublished information even after they have left office. KWAP website lists Che Zakiah Din as the central bank’s rep on the investment panel. On the KWAP board, the BNM rep is deputy governor Datuk Muhammad Ibrahim. The rationale of having a BNM rep on the board of KWAP’s investment panel is to haver…
  • Should your Chartered Accountant be your Financial Advisor as well?

    ChingFoo Lieu
    3 Apr 2015 | 12:35 am
    Some investors have this habit of referring their Chartered Accountants (CA) for every financial decision including investments. With all due respect to CA, we are not saying that this is not appropriate, but one must also conduct due diligence if the Chartered Accountant is sufficiently efficient to advice on the aspects of investments or financial planning matters? By efficiency we are in no way referring to CA’s qualification, but instead, we are referring to CA’s area of expertise. I have seen that Chartered Accountant being given god-status in some households. Once I…
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    Money Soldiers

  • Making Business Travel Affordable in Southeast Asia

    Arnel Ariate
    22 May 2015 | 5:36 pm
    One of the nicest things about traveling to Southeast Asia on business is that your desire to keep the costs affordable is shared by most other travelers from the countries in the region.  In fact, it is looked upon in many ways as a sign of competence if you are able to find the best […]Making Business Travel Affordable in Southeast Asia is a post from: Money Soldiers - Helping you fight your financial battles © 2012-2013, All Rights Reserved
  • Make Money from the Comfort of Your Own Home

    Arnel Ariate
    22 May 2015 | 4:52 pm
    If you find yourself struggling to make ends meet these days you need to come up with extra sources of income.  Sure, you’ve got your job, but maybe you need something to help supplement your existing income.  Well, the good news is there are many ways you can make money without having to get a […]Make Money from the Comfort of Your Own Home is a post from: Money Soldiers - Helping you fight your financial battles © 2012-2013, All Rights Reserved
  • Checks and Balances: Financing Home Renovations and Repairs

    Arnel Ariate
    21 May 2015 | 3:23 am
    Are you planning a home renovation?  If so, one of the main factors that you will be considering is how best to get access to the funds.  Renovations range in size from a quick design overhaul of the living room to a new extension, and the price of different renovations will vary dramatically.  But how […]Checks and Balances: Financing Home Renovations and Repairs is a post from: Money Soldiers - Helping you fight your financial battles © 2012-2013, All Rights Reserved
  • How to Deal with Your Debt the Smart Way

    Arnel Ariate
    20 May 2015 | 9:22 pm
    Debt is one of those topics that people seldom talk about unless you are in dire financial straits.  Being in debt isn’t always a bad thing, but if you can’t afford to pay your bills that’s when debt becomes a problem. It’s no secret that many people borrow above their means.  Even after the economic […]How to Deal with Your Debt the Smart Way is a post from: Money Soldiers - Helping you fight your financial battles © 2012-2013, All Rights Reserved
  • With Interest Rates Expected to Rise Any Time, Your Portfolio Strategy for 2015 Should Be Defined by a Longer Term Outlook

    Arnel Ariate
    14 May 2015 | 7:25 am
    The stock market is one of the most lucrative forms of investment.  It is especially good for creating wealth for your retirement as stocks tend to yield more benefits as a long term investment. Investing in stocks or bonds is influenced by market lending rates.  Bonds devalue due to low interest rates as they are […]With Interest Rates Expected to Rise Any Time, Your Portfolio Strategy for 2015 Should Be Defined by a Longer Term Outlook is a post from: Money Soldiers - Helping you fight your financial battles © 2012-2013, All Rights Reserved
 
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    Hull Financial Planning

  • What is the Asset You Least Want to Lose?

    Jason Hull
    21 May 2015 | 6:00 am
    “By the time I have money to burn, my fire will have burnt out.” –Unknown I was speaking with a friend recently, and this friend bet that I would become bored in retirement. “You’ll go start some other company because you have the entrepreneurial fire burning within you,” my friend said (I paraphrase). “Nope. I’ll […]Learn to beat your Monkey Brain and Accelerate Retirement. What is the Asset You Least Want to Lose? is a post from Fort Worth Financial Planner Hull Financial Planning Related posts: Asset Allocation for Early Retirees Four Reasons Why Asset Managers…
  • Why Do We Rarely Buy Disability Insurance?

    Jason Hull
    14 May 2015 | 6:00 am
    “The only thing wrong with immortality is that it tends to go on forever.” –Herb Caen I remember getting the call from my wife. She was back in Charlottesville spending a week at her home office while I stayed in Texas. She’d started getting a slight tremor – a tic like she was shaking her […]Learn to beat your Monkey Brain and Accelerate Retirement. Why Do We Rarely Buy Disability Insurance? is a post from Fort Worth Financial Planner Hull Financial Planning Related posts: How Instagram’s New TOS is Like an Indexed Universal Life Insurance Policy Longevity Insurance for…
  • Once You’ve Won, Stop Playing the Game!

    Jason Hull
    7 May 2015 | 6:00 am
    “All Steve [Schwartzman, Blackstone’s CEO] kept saying throughout breakfast,” my friend told me, “is ‘how the F* is Larry Page worth $15 billion and I’m only worth $3 billion’.” –via James Altucher (source) When people think about how money relates to their personal life goals, they usually go through four stages, which are different from […]Learn to beat your Monkey Brain and Accelerate Retirement. Once You’ve Won, Stop Playing the Game! is a post from Fort Worth Financial Planner Hull Financial Planning Related posts: Risk: It’s Not Just a Board Game Please…
  • To Err is Human, But What If an Algorithm Errs?

    Jason Hull
    30 Apr 2015 | 6:00 am
    “To err is human: to forgive, divine.” –Alexander Pope How many of you have used a GPS to get somewhere when you were driving? I am a big fan of using Waze (we even call her “Wendy” when she gives us directions), the application that is supposed to account for current traffic conditions on your […]Learn to beat your Monkey Brain and Accelerate Retirement. To Err is Human, But What If an Algorithm Errs? 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? Who Will Protect Us…
  • I’m Good Enough, I’m Smart Enough, and Doggone It, Monkey Brain Likes Me

    Jason Hull
    23 Apr 2015 | 6:00 am
    “I deserve good things, I am entitled to my share of happiness. I refuse to beat myself up. I am an attractive person. I am fun to be with.” –Stuart Smalley, Saturday Night Live Have you ever sat on the train (or in the bar or at a party) next to someone who wants to […]Learn to beat your Monkey Brain and Accelerate Retirement. I’m Good Enough, I’m Smart Enough, and Doggone It, Monkey Brain Likes Me is a post from Fort Worth Financial Planner Hull Financial Planning Related posts: 3 Reasons to Unlock Monkey Brain’s Obi Wan Kenobi Monkey Brain Can’t See the…
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    Listen Money Matters

  • Take The Emotion Out Of Money

    Candice Elliott
    21 May 2015 | 3:00 am
      Are you an emotional spender? Whether the emotion is a good one or a bad one, letting them drive your money decisions can be disastrous. Many people will admit to emotional eating. Stressed, bored, happy, sad? Food will fix that, temporarily at least. But after your feast or binge, you feel bad, sick, maybe even guilty. Eating this way can play havoc with your weight and your health. Some of us spend money this way too but fewer of us realize it. And the effects can be just as bad. But instead of showing up in our pants size and lab work, it shows up in our bank balances. Realizing the…
  • Don’t Get Off Track This Summer

    Candice Elliott
    19 May 2015 | 3:00 am
      Summertime and the livin is easy. Unfortunately, so is the spending. Make sure the relaxed vibe of summer doesn’t extend to your financial goals. Ah summer. Is there anything better? Long, languid days, sun, beach, barbecue, less clothes, cold beer. Sounds like heaven to me. But summer can be hell on your finances. Don’t let the carefree feeling that summer can induce make you careless with your money. Summer Hours This won’t apply to those of us who are salaried but if you are paid hourly and your office gives you the option of summer Fridays, it seems pretty…
  • IRA Roll Overs, Horse Races and Mega Backdoors with The Mad Fientist

    Candice Elliott
    18 May 2015 | 3:00 am
    One of our most popular guests, The Mad Fientist, joins us again to discuss the MEGA backdoor IRA strategy. You roll over something like a 401K that is tied to your job when you leave that job because you retired, quit, or were fired. You do this so you will have lower fees, better investment options, and all of that money in the same place. When you roll over a Traditional IRA to a Roth, you pay taxes at the point of roll over. After five years you can withdraw the principal penalty free. The growth can’t be withdrawn without penalty until age 59 and a half. The backdoor strategy deals…
  • The Sharing Economy

    Candice Elliott
    14 May 2015 | 3:00 am
    The sharing economy is defined as owners renting out things they aren’t using, homes, cars, cameras. Can you benefit from the sharing economy? Most of us were taught to share as toddlers. Some enterprising people have taken the lesson and turned it into a business or at least into a nice bit of side income. The sharing economy is estimated to be worth $26 billion and 7% of US adults are working within it. What Can You Share? Almost anything you can imagine. Homes, thanks to Airbnb, are probably the best known item in the sharing economy. Through them you can rent out your home to…
  • Cheap Summer Fun

    Candice Elliott
    12 May 2015 | 3:00 am
    After a long, miserable winter, summer is finally here. There is no better time of year for having fun on the cheap. Get the most out of your summer. It’s time to come out of hibernation and have some fun while topping up your Vitamin D levels. Summer gives many opportunities for free or low priced fun. It’s only three months so make the most of it. Outdoor Fun This is my preferred type of summer fun. I hate cold and winter and love heat and humidity so even the 100 degree, full humidity days rarely chase me inside. Take advantage of the nice temperatures and the long hours of…
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    Equifax Finance Blog

  • How Today’s Gas Prices Can Help Your Drive Down Your Debt

    Equifax Reporter
    22 May 2015 | 5:36 am
    More Americans may be able to pay down their debt in 2015, due in part to today’s low gas prices. According to a report by GasBuddy, the average gas price should hover around $2.64 for 2015—a $97 billion savings vs. the $465 billion that motorists paid for gas the year before. The American Bankers Association found that for every one-cent-per-gallon decline in gas prices, U.S. consumers save about $1 billion overall. That’s not pocket change, especially if consumers use that extra cash to pay down debts. Along with low gas prices, the improving economy and a tighter labor market (that…
  • How to Save Money to Buy Your First House

    Steve Cook
    22 May 2015 | 5:24 am
    If you’re like most first-time buyers, the greatest challenge you’ll have when buying your first house is coming up with the down payment and the funds necessary to cover the closing costs. The cost of the down payment can vary widely, depending on whether you use government-backed programs like FHA, new 3 percent down programs from Fannie Mae and Freddie Mac, or conventional loans, which generally require down payments of between 10 and 25 percent of the purchase price. The first home is the hardest. Unlike buyers who are already homeowners, who can sell one home and use that money to…
  • Five Things to Know Before Leasing a Car

    Equifax Reporter
    21 May 2015 | 9:14 am
    Leasing a car is much like renting a home. You pay the owner—in this case, the finance company—for the use of the car, but you do not own it at the end of the agreement period. Similar to any other financial decision, leasing may be the appropriate choice, depending on your lifestyle. And because current vehicle lease structures frequently offer buy outs at the end of a lease term, it can offer consumers the best of both worlds. If you’re trying to decide between leasing or buying a car, here are a few things you should know about the leasing process: 1. Your credit score is a factor…
  • Frugal Living For Real Life: Lessons From Personal Finance Blogs

    Teri Cettina
    21 May 2015 | 5:04 am
    I have a confession: I’m obsessed with blogs about saving money. The more extreme the solutions suggested by bloggers, the more I’m intrigued. And who hasn’t heard the typical suggestions—from reducing credit card usage to clipping coupons. But what about giving up your car—entirely? Or trimming your wardrobe down to only 33 items? When someone proposes an interesting challenge, I’m up for it. But the truth is that some money-saving ideas don’t always work for every reader. And that’s just fine. If a blog gives you an idea you can adapt to your own life, that’s great.
  • My Tax Refund Was Stolen—What Should I Do?

    Eva Rosenberg
    20 May 2015 | 9:35 am
    Odds are rapidly increasing that you could become a victim of identity theft or have your tax refund stolen. In early 2015, the IRS announced that tax-related identity theft was once again a major concern for consumers, naming it to the agency’s “Dirty Dozen” tax scams list for the year. According to the latest data available, the IRS paid out roughly $5.8 billion in fraudulent returns in 2013. In 2014, the agency initiated 1,063 identity theft-related investigations. What should I do if my federal tax refund was stolen? According to the IRS, the five most important steps to take after…
 
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    The Simple Money Blog

  • How do you plan for a major purchase?

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

    Kirby
    11 May 2015 | 4:30 am
    KJ: This is our second vlog post to date, so we hope you like it! This video is all about saving to Traditional IRAs, Roth IRAs, and how you may still be able to save to a Roth IRA even … Continue reading →
  • Living beneath your means: saving money means more financial freedom

    Angela and Kirby
    27 Apr 2015 | 4:30 am
    KJ: We’ve written about the concept of living beneath your means before, but there really is a powerful impact to you and your family’s bottom line of living beneath your means (whatever that may be). Not only by living on … Continue reading →
  • The change: preparing financially to have a baby

    Angela
    21 Apr 2015 | 4:30 am
    AJ: KJ and are going through the change. Not THAT change, the we’re having a baby change! Many of you have already been down this path and have earned your Masters Degree, but we’re generally green to this entire concept. … Continue reading →
  • How we’re setting ourselves up to retire at almost any age

    Kirby
    6 Apr 2015 | 5:00 am
    KJ: We’ve continued with our aggressive savings path for seven years now and while we’ve still got a ways to go until we’re “financially independent” (think, the ability to live off of our savings without requiring a paycheck), there are … Continue reading →
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    My Money Design

  • What Would You Do with $100,000 if You Waited One More Year to Retire?

    MMD
    25 May 2015 | 2:00 am
    One of the fun things to think about when it comes to investing is what happens when your assets reach critical mass – the point at which your money is self-sustaining.  Generally that’s when your compounded returns are so large that they could support you if you were to suddenly stop working. Most of the time the goal for retirement is to reach this point and have our finances start to take care of us.  BUT … for fun, let’s consider what would happen if we didn’t. Let’s suppose you had accumulated $1 million dollars by the time you had intended to retire.   But being…
  • My eBook Publishing Update – May 2015

    MMD
    18 May 2015 | 2:00 am
    I was really hoping that for my first eBook publishing report I would have some kind of wonderful news to share with you. Something great like I had made well over $1,000 in my first month or that my book has been downloaded over 10,000 times. Well … … unfortunately that’s not how it’s gone at all. As you may already know, last month I released my first eBook. Though I’m very proud of what I’ve created, I will say that in all honesty this new venture is proving to be more challenging then I originally thought! But that’s how these things go.  Developing a true passive income…
  • How a Backdoor Roth IRA Conversion Could Help Your Early Retirement Strategy

    MMD
    11 May 2015 | 2:00 am
    In the past I’ve talked before about how a 72t is a key part of my early retirement strategy. In case you’re not aware of what that is, a 72t is a special exception in the IRS rules that allows you to take money out from your 401k or IRA before age 59-1/2 and without facing that stiff 10% penalty (we’ve got a whole post about it here).  For anyone looking to retire early, that’s a massive win! While that’s all fine and good, one of the things I like to make sure of when it comes to my money strategy is to always be searching for something better. Maybe an option with less rules or…
  • Niche Website Income Report 29 – $1,121 for April 2015

    MMD
    4 May 2015 | 2:00 am
    Welcome to the April 2015 edition of my niche website update and income report. Every month I like to share with my readers what’s been going on with one of my biggest passive income building activities – being the owner of several niche sites that I created and maintained.  Each of these websites has their own particular monetization strategy that I’m constantly trying to foster and develop.  The goal of course is cultivate them into streams of regular income that I can use to supplement my savings efforts each month. To be honest a lot of my time in April was spent on a different…
  • 14 Week Cancer Update and My Thoughts on Dying

    MMD
    27 Apr 2015 | 2:00 am
    I just wanted to give everyone another quick update on my fight with cancer.  Things have been going fairly well so far, although I’m starting to feel more of the cumulative effects of chemo.  This past week was somewhat of a milestone for me – I’m officially halfway through my treatments!  Within the next few weeks I’m scheduled for a PET scan where they will be able to tell just how much my tumor has shrunk.  Our fingers are crossed for some good news! Aside from the actual treatments themselves, I can tell you this – in the days of post-recovery after chemo, you get a lot of…
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    The Quizzle Wire

  • Ways to save by cutting the cable cord

    Cathy
    25 May 2015 | 6:00 am
    Not that long ago, there were only a few ways to watch television: antenna, cable, and satellite dish. But nowadays, there are many more options – especially if you don’t need the full range of channels that cable and satellite offer. If you’re looking to save some money by cutting the cable cord, consider these alternatives: Use an antenna. No, I’m not kidding. The stations that broadcast “over the air” (OTA) are still available if you use an antenna. These stations include the major networks (CBS, NBC, ABC, etc.), as well as PBS and some local networks.
  • Home from college for the summer? How to choose the right summer job

    Miranda Marquit
    20 May 2015 | 6:00 am
    College students all over the country are looking for summer jobs to help them earn a little extra money before a new school year begins. If you are hoping to keep busy over the summer and fatten your wallet as well, you want to make sure that you can find the right summer job for you. Here are five tips that can help you get the right summer job for you: Start applying early “Remember the adage: The early bird gets the worm,” says Jeremy Shipp, President of Harbor Wealth Advisors. “If you wait until the summer, it’s probably too late.” That doesn’t mean that you are completely…
  • Student Loan Debt Forgiveness: Real, or a Scam?

    Miranda Marquit
    18 May 2015 | 6:00 am
    With outstanding student debt at more than $1 trillion, and with the rising cost of higher education guaranteeing that students will have to continue to borrow if they want to continue their schooling, one of the big issues right now is student loan debt forgiveness. Student loan forgiveness programs abound, offering graduates hope that some of their debt, at least, can disappear. The good news is that there are programs that can help students reduce the amount they owe on their student loans. The bad news is that, like everything else in life, there are scams out there looking to take…
  • How to start saving for your summer vacation now

    Miranda Marquit
    15 May 2015 | 6:00 am
    North America has a tradition of summer vacations. After the kids get out of school, families like to spend time together. Whether you plan to get on a plane and head to a more exotic locality or rather you plan to take a shorter road trip, now is the time to start saving for your summer vacation. “The bigger your vacation, the more you need to plan,” says Tom Drake, a financial analyst and the owner of LiveRichLiveWell.com. He points out that it might be a little late in the year to start planning a major vacation for the summer. “However, if you want to do something spectacular next…
  • Using your phone to save money (through apps)

    Cathy
    11 May 2015 | 7:35 am
    The advent of ubiquitous smartphones and tablets has led to a new way to save money: apps. There are over a million apps out there for the various platforms, so finding the best ones can be challenging. But the first step is simultaneously simple and complicated: You need to know yourself, your personal finance style, and how you use your phone and/or tablet. After all, there are lots of different ways to save money through apps, and they may not all work for you. So with that in mind, consider the following: Shopping Perhaps the easiest way to save money through apps is when you’re…
 
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    Credit Card Insider » InsiderCredit Card Insider

  • Review of the Capital One® Secured MasterCard®

    Brendan Harkness
    20 May 2015 | 2:55 pm
    The Capital One® Secured MasterCard® is a good choice for people looking to rebuild their credit. While it doesn’t offer rewards for purchases or many benefits, it does come with some decent features and protections. Like other secured credit cards, it requires a security deposit upon card approval to fund the credit limit. Click here […] The post Review of the Capital One® Secured MasterCard® appeared first on Credit Card Insider.
  • Review of the Kohl’s Charge Credit Card

    Brendan Harkness
    19 May 2015 | 12:26 pm
    The Kohl’s credit card, known as the Kohl’s Charge Card, can be obtained online or in-store. There’s no annual fee, it provides cardholders with a number of discounts at Kohl’s throughout the year, and those who spend more will get even more discounts. This card can only be used at Kohl’s, where it can save […] The post Review of the Kohl’s Charge Credit Card appeared first on Credit Card Insider.
  • What Counts As An Excellent Credit Score?

    John Ulzheimer
    13 May 2015 | 10:20 am
    Everyone likes to get good grades. There is a certain pride that comes along with knowing that you have ranked well relative to your peers. And just because you might not be earning good scholastic grades any longer, it doesn’t mean you’re done worrying about your scores… credit scores, that is. When it comes to […] The post What Counts As An Excellent Credit Score? appeared first on Credit Card Insider.
  • Review of the Visa Black Card™

    Brendan Harkness
    11 May 2015 | 12:33 pm
    The Visa Black Card™ is a high-end credit card, made of stainless steel and issued by Barclaycard. The card offers points for purchases, as well as a number of additional luxury benefits like a concierge service and exclusive magazine. Cardholders get some enviable travel benefits like unlimited access to airport lounges around the world, though […] The post Review of the Visa Black Card™ appeared first on Credit Card Insider.
  • The American Express Centurion vs The Visa Black Card

    Brendan Harkness
    7 May 2015 | 9:55 am
    The American Express Centurion Card (sometimes called the Amex Black Card) and the Visa Black Card are both luxury credit cards designed for the wealthy in mind. Each comes with a variety of high class perks like a personal concierge, travel benefits, and exclusive access to fascinating events. You’ll end up paying a hefty price […] The post The American Express Centurion vs The Visa Black Card appeared first on Credit Card Insider.
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    SideHustle HQ

  • Starting a Gourmet Popcorn Side Business

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

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

    SideHustleHQ
    18 May 2015 | 4:18 am
      Starting a business with  your kids can be a great experience for both of you. It’s easy to start a kid-based business in the summer and continue your side business once the school year starts with the right plan. Here are just a few areas where you can focus your efforts without requiring a massive input of capital. Kids Health & Fitness Due to high obesity rates, parents are more invested in the health of their children than ever before. You can capitalize on this trend by offering a fitness class for kids that blends exercise with nutrition in a fun and positive manner.
  • How Lawyers Can Make Extra Money with a Side Hustle

    SideHustleHQ
    9 May 2015 | 5:49 pm
    While most busy attorneys don’t have trouble making money, many still like to do a little work on the side. For starters, the extra cash is never unwelcome no matter how well you’re doing professionally. Furthermore, a side business can help lawyers to transition to an independent career in the future, if desired. Here are thirteen great side business ideas for lawyers. Offer Personal Coaching Services One of the best ways to leverage your legal expertise for additional income is by offering coaching services to new attorneys. Pick a specific area of practice to zero in on and…
  • Starting a Food Tour Side Business

    SideHustleHQ
    7 Apr 2015 | 3:37 am
    So-called lifestyle businesses are often the path to unparalleled profits and return on income if you’re smart about how you structure them.  Food tours have become increasingly popular in recent years thanks to the burgeoning “foodie” movement. If you like the idea of introducing discerning customers to unique restaurants, vineyards and breweries for a fee, a food tour business might be right for you. Here’s a simple road map for building a thriving food tour company. Figure Out a Solid Niche The first thing to do is settle on a specific niche that’s worth…
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    Covenant Trust Company

  • Your financial plan

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

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

    Covenant Trust Company
    16 Apr 2015 | 9:11 am
    During the Lenten season, Covenant Trust Company raises money around the office for a Covenant ministry. Employees who make a donation can wear jeans to work on Fridays; we call this fundraiser “Levis for Lent,” and it’s been a fun and successful tradition at the office for the past several years. This year, AJ Gomez,…
  • CTC tips: debt manager and net worth tracker

    CTC - Steve Allison
    31 Mar 2015 | 1:23 pm
        Have you ever driven somewhere you’ve never been before? If you have, you likely used directions, a map, a GPS, or some other kind of tool to guide you to your destination. You probably didn’t get into your car, drive away, and simply hope for the best. Unfortunately, that’s how many of us approach our financial goals. We have…
  • What are your plans for your tax refund?

    Covenant Trust Company
    26 Mar 2015 | 6:15 am
      Although it may not always be ideal to have a large tax refund, it’s definitely better than owing the IRS. If you’re not sure how to spend it yet, check out Mint’s suggestions in their infographic, “When to Expect Your Tax Refund (and how to spend it!)” While it is tempting to go shopping after receiving a…
 
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    Debt Consolidation USA

  • 7 Tips To Jumpstart Finances After Coming Out Of Debt

    al
    22 May 2015 | 3:10 am
    Getting into debt has been a natural occurrence for most consumers but there are those that are able to get out looking for a way to jumpstart finances to get ahead. It is a very nice goal and actually a great place to be at but the work is not yet done. It looks easy […] The post 7 Tips To Jumpstart Finances After Coming Out Of Debt appeared first on Debt Consolidation USA.
  • 5 Things Your Broker or Financial Adviser Isn’t Telling You

    Simi Mira
    20 May 2015 | 1:47 am
    There are some great financial advisors and brokers out there. They put their client’s needs first and genuinely try to server their best interests. There are also a lot of predatory practices that unscrupulous brokers and advisors employ. And, even the most ethic of them won’t be completely forthcoming. Here are 5 things your broker […] The post 5 Things Your Broker or Financial Adviser Isn’t Telling You appeared first on Debt Consolidation USA.
  • 5 Most Common Money Mistakes Empty Nesters Need To Know

    al
    19 May 2015 | 3:53 am
    People commit a lot of money mistakes at different points in their life and empty nesters are no different. Investopedia.com explains that these empty nesters are parents whose children are no longer with them and with their mortgage payments either paid off or close to being paid in full. These are usually older people who […] The post 5 Most Common Money Mistakes Empty Nesters Need To Know appeared first on Debt Consolidation USA.
  • 7 Financial Tips To Keep In Mind When A Loved One Passes Away

    al
    18 May 2015 | 1:21 am
    Financial tips abound for almost every part of your life such as how to handle windfall money and even when your loved one dies. As some most people say, death and taxes are two of the things that are sure in life. Death has been existent in the lives of people ever since the world […] The post 7 Financial Tips To Keep In Mind When A Loved One Passes Away appeared first on Debt Consolidation USA.
  • Financial Complications Of Having Children At An Old Age

    al
    13 May 2015 | 12:08 am
    There are a lot of financial complications that you will experience in life and surprisingly, having a child at an old age can bring a unique set of challenges in your budget. CDC.gov shares that childbirth for women aged 35 to 39 years old has been a rollercoaster but basically on the upswing in last […] The post Financial Complications Of Having Children At An Old Age appeared first on Debt Consolidation USA.
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    Personal Finance Blog | LSS

  • Removing a Tax Lien from Your Credit Report

    Kate Swenson
    22 May 2015 | 8:05 am
    Tax season is now over, but that doesn’t mean your tax issues are over as well. You may have been stuck with a large tax bill. If you end up owing taxes to the IRS, they put a lien against you and that will be reflected on your credit report. If a lien is placed on your credit report your score can really go down the tubes, and having a poor credit score can affect many important areas of your life.  Having a poor credit score can affect your ability to secure a loan, renting or buying a home, and it can also hurt your chances of finding a job. Sometimes having a tax lien on your report…
  • Managing your Budget with the Envelope Budget System

    Kate Swenson
    12 May 2015 | 8:45 am
    Having trouble keeping your budget on track? Using the Envelope Budget System is the perfect solution! The beauty of an Envelope budget system is it only allows you to spend the amount of money you have designated for that item. For example, if you only want to spend $600/year on clothing you put $50 aside each month into your ‘clothing’ envelope. When you need/want a new pair of shoes you can only use money in that envelope. If the shoes you want shoes cost $40 and there is only $20 in your envelope, you have to wait until the next month to make your purchase. When trying to stick to a…
  • 5 Steps of Financial Help-Seeking

    Kate Swenson
    7 May 2015 | 6:51 am
    I was reading a study today in the Journal of Financial Counseling and Planning (Volume 25, Issue 2, 2014, 148-160) and something in it immediately caught my eye. The study, itself, was about financial stress, self-efficacy, and financial help-seeking behavior of college students. But the part that stuck out to me was something the study cited from previous research. The study states that “The financial help-seeking process consists of five stages: (1) the exhibition of financial behaviors, (2) the evaluation of own financial behaviors, (3) the identification of the causes of financial…
  • Is Your Income Less Than Your Expenses?

    Kate Swenson
    28 Apr 2015 | 7:40 am
    Unexpected events can happen to any of us. And at anytime.  Maybe you get laid off from work. Or your car breaks. Or someone in your family gets sick. Unfortunately, this stuff happens. And as soon as it does you need to go into Crisis Budgeting Mode. 1. MORTGAGE OR RENT You need to keep a roof over your head and your mortgage out of default by paying your rent or home loan, homeowner’s insurance, association fees, and property taxes. Worried about losing your home? Call us at 888.577.2227 to speak with a housing counselor today. 2. UTILITIES Pay heat, electric, and water bills to…
  • What Zombies Can Teach You About Debt

    Kate Swenson
    22 Apr 2015 | 7:20 am
    I watch The Walking Dead. I’m not a huge TV watcher, generally, but there are a few shows I always stay caught up on and The Walking Dead (TWD) is one of them. When I was watching this past episode, I had this random thought pop into my head: zombies are a lot like debt. If you watch TWD (or if you just generally know anything about “zombie lore”), you can easily learn a few common themes regarding zombies: They multiply. Given enough time and enough victims, zombies will eventually consume their environment; They’re relentless. Zombies just keep moving forward, shambling toward their…
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    Minting Nickels

  • Getting Your Financial House in Order by Getting Out of Debt

    Justin
    21 May 2015 | 5:08 pm
    If you’re like many Americans, you are working to pay down personal debt, whether from credit cards or student loans. At the same time, however, a tough economy has tightened many people’s finances even more than usual. If you are struggling to get out from under debt, just remember that you are not alone. Below are several questions you can ask yourself to help develop a plan for eradicating debt from your life. How Much Debt Do You Have? The first thing you should do is take inventory of your existing debts. From student loans to credit cards, many Americans are looking at potentially…
  • Which Financial Careers Offer the Best Pay

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

    Justin
    9 May 2015 | 7:22 am
    Life insurance can be a touchy subject depending on who you discuss it with. The oft debated topic is usually whether or not you should have a term or permanent life insurance policy. The truth is that both types of policies have their appropriate place. The policy just needs to fit the person and what is best fo them. The less expensive of the two options is term life insurance. The concept of term insurance is quite simple, you have a policy that extends to a set period of time. For example, you might have a 20 year term policy in which your monthly or annual premiums are fixed and stay the…
  • How to Encourage your Kids to Apply for Scholarships

    Justin
    14 Apr 2015 | 1:17 pm
    Being the parent of a child who is about to become a student can be exciting. Most parents would remember their times as students and may have a nostalgic feeling when their children are going to college. This is the first true step that your child is taking towards the adult life, so it can be a good time to motivate him or her. One of the best ways to do this is by lightly encouraging them (no nagging or pressuring). To help lower the costs of college expenses, don’t be afraid to motivate your kids to apply for scholarships. The child can be encouraged and assisted to developing a…
  • 10 of the Richest People in Indonesia

    Justin
    14 Apr 2015 | 1:00 pm
    It may not be the first country that comes to mind when you think of immense wealth and privilege, but Indonesia is full of billionaires. Some are them are self-made; some of them inherited and then invested their money in worthwhile pursuits; all of them can serve as an inspiration to the struggling entrepreneur. 1. Anthoni Salim Anthoni Salim is head of the Salim Group, an international conglomerate that oversees everything from logging to the production of instant noodles. These diversified interests have established him as one of Indonesia’s biggest billionaires. 2. Eka Tjipta…
 
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    Debt RoundUp

  • There Are No Better Words Than “Thank You!”

    Grayson Bell
    25 May 2015 | 6:45 am
    Today is Monday, but it’s not a normal Monday. Today is Memorial Day. Yes, many workers get the day off, including me, but I feel we might forget about what this day is all about. No, Memorial Day is not about saving money on buying a new car or getting a new mattress. Yes, retailers pour it on during this weekend and weeks leading up to Memorial Day. Many see this day as one to enjoy a day off and save 50% on their next purchase at a big store. Sales are rampant, but let’s remember today is to thank those who gave their lives for what we have. Memorial Day is to celebrate the…
  • Mint vs. Personal Capital – The Ultimate Financial Tool Throwdown

    Grayson Bell
    23 May 2015 | 7:30 am
      It’s here my financial friends. The ultimate throwdown!  Today, we pit two of the best financial tools against each other to see who comes out on top. That’s right, we are going to compare Mint.com and Personal Capital to see which free tool is better!  I got this idea back when someone submitted a question on our new Q&A board. It basically asked “Mint.com vs Personal Capital?” Now, this is highly subjective as it’s my opinion on the matter. I plan on comparing the features of each service and see which one wins. There will be several categories.
  • Have Fun this Summer Without Wrecking Your Budget

    Grayson Bell
    21 May 2015 | 6:45 am
    Summer is around the corner, and when the temperature starts rising, your expenses usually do the same. The summer season could easily be the death of your budget, but it doesn’t have to be. It is about enjoying life and being able to afford different experiences while still maintaining financial health. You should not have to choose between summer fun and sticking with your budget. It is about moderation and also doing some research. Not everything in life is free, but many things are. And if it is not free, simply start building it into your budget. Everyone needs a budget. You may not…
  • They Call It “Personal” Finance For A Reason

    Mike Collins
    20 May 2015 | 2:45 am
    I recently wrote an article for Debt Roundup in which I questioned the wisdom of paying off your mortgage early and it generated a number of thoughtful comments by readers on both sides of the argument. Some people recognize that mortgage rates are at historic lows and they would rather put their money elsewhere in the hopes of gaining a better return on their investment. If your mortgage interest rate is only four percent and you can earn ten percent in the stock market you will be more than doubling your rate of return. On the other hand, others were quick to point out that investing in the…
  • Is Walmart.com Creating a Shipping Service like Amazon Prime?

    Grayson Bell
    19 May 2015 | 7:30 am
    I was jumping on Walmart.com yesterday to look to see if they had any cool sales going on. As the home page loaded, I noticed an interesting banner that I’d hadn’t seen before. Now, if you’ve shopping on Walmart’s online site, then you are used to their promotional banners. Typically it’s for the season or Father’s Day, but this was different. This smelled like the beginnings of an Amazon Prime type shipping service. Below is the banner ad I saw on the site. Is Walmart.com Creating Something Like Amazon Prime? There’s not secret on this blog that I…
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    The Smile Lifestyle - Phroogal

  • Ideas to Break The Cycle of Generational Poverty

    Athena Lent
    14 May 2015 | 10:12 pm
    What is Generational Poverty? “Generational Poverty is defined as a family having been in poverty for at least two generations. It is important to understand the difference between Generational Poverty and Situational Poverty,” as defined by Urban Ventures. “A person/family can experience Situational Poverty when their income and support is decreased due to a specific change – job loss, divorce, death, etc. While there can be a domino effect caused by this one significant change, families experiencing Situational Poverty tend to remain hopeful, knowing that this is a…
  • The Number One Reason To Consolidate Your Credit Card Balances

    Will Lipovsky
    12 May 2015 | 5:51 pm
    Credit Card Consolidation Loans: A Comprehensive Analysis Americans now owe $642.4 billion in credit card debt – up nearly $36 billion from last year. Let’s break it down to a more personal number. Using 2015 data gleaned from the Federal Reserve, indebted US households carry an average of $15,609 in credit card debt. Yes, if you’re reading this article and you have credit card debt, it’s probably in the mid-teens. Credit card debt is arguably the nastiest type of debt you can carry. We’ll talk about getting out of debt in a second. But I first want to say… congratulations!
  • Money Journey: Avoiding Student Loans

    Kayla Sloan
    3 May 2015 | 11:45 pm
    How I Avoided Taking Out a Huge Amount of Student Loans When I graduated from college in spring 2012, I felt very fortunate compared to many of my college classmates. Not only did I have a decent-paying job all lined up, I also graduated with only about $8,000 worth of student loans. Meanwhile, several of my college friends graduated with 2-3 times as much student loan debt and didn’t have a job lined up. I can’t even imagine the financial and other stress they must have felt over this situation. Yes, most of us had student loans with a 6 month grace period, but 6 months really flies by…
  • How to Save on Purchases You’ve Already Decided to Make

    The Phroogal Jason
    29 Apr 2015 | 10:49 pm
    Since returning from my backpacking trip in 2013, I’ve lived a pretty modest and minimalist lifestyle. I haven’t made a purchase that wasn’t absolutely necessary but after 2.5 years it’s becoming a bit of a necessity to replace some worn out clothes and sneakers. In fact, I’m still using the same sneakers that traveled with me on my backpacking trip through 20 countries. Sure, the soles have worn off but it’s a reminder of my former life where dropping $200 for a pair of sneakers wasn’t an issue. I decided it was time for me to update my…
  • The Reasons Why You’re Consistently Spending More Than You Earn

    Valencia Higuera
    27 Apr 2015 | 6:19 am
    Most of us want a bigger savings account which can help us meet financial goals. Yet, it seems that many people aren’t always willing to do what it takes to spend less and save more. I hear people say they’re committed to their goals, yet their actions say something completely different. I might not know everything about money, but from my observation — overspending seems to be one of the biggest goal crushers. I realize spending in moderation is much easier said than done, especially when there’s always some amazing sale or the opportunity to have fun with friends. And sometimes, you…
 
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    iMoney.ph

  • The Richest Senators In The Philippines

    imoney
    21 May 2015 | 6:40 pm
    The 2014 Statement of Assets, Liabilities, and Net Worth for politicians and public servants are now available for anyone to view. So if you were wondering how much your senators are worth, now’s the perfect time to find out. And to make life easier for you, we’ve collected the important information right here. Cynthia Villar once again tops the list as the only billionaire, having a net worth of almost P2 billion pesos, which is almost four times more than the net worth of the second-placed senator in the list, Ralph Recto. In fact, if you added up the net worth of the rest of the…
  • The Healthy House: What You Can Learn From This Growing Business

    imoney
    19 May 2015 | 6:32 pm
    Gerard Sison, CEO of The Healthy House, with Mia David, nutritionist for The Healthy House, and Stephanie Zubiri. Photo: The Healthy House Business comes differently for people. Sometimes it takes a while to find a good idea for a business, and sometimes the perfect opportunity presents itself. For Gerard Sison, CEO of The Healthy House, it was a classic case of finding a need and filling it, that old mantra of entrepreneurship. “We were a group of friends who worked out together, looking for a nutrition service because we needed help with that. We tried some of the existing brands but none…
  • How To Get Started In The Stock Market

    imoney
    17 May 2015 | 10:55 pm
    Becoming an expert investor is hard, and most of us don’t know where to start. But for Marvin Germo, Registered Financial Planner and stock market trader, he had a goal from the get-go. He wanted to have a better future for himself, and saw that investing was the way to go. “My parents never taught it to me. But I saw the effects of not investing, so I said to myself “When I get older, my life should be different than what they’re experiencing right now,” and that pushed me to educate myself in how to invest in different things.” He started investing in his early 20s and hasn’t…
  • Enjoy Back-To-School Savings With These 6 Tips

    imoney
    14 May 2015 | 5:52 pm
    Summer’s almost over, meaning that the beginning of school year 2015 – 2016 is just a few weeks away. Are you ready for the back-to-school expenses? Here at iMoney, we’ve compiled a few tricks for you to enjoy the most back-to-school savings with only a little bit of effort. Read on to find out how to save thousands for the coming school year: 1. Make a list and plan your expenses. Before hitting the stores to shop for back to school items, make a list and stick to it. Go through the things you already have and assess which ones can be used for another school year, and which ones…
  • Bo Sanchez: From P800 A Month To Becoming Truly Rich

    imoney
    12 May 2015 | 6:05 pm
    When Bo Sanchez was a younger man, he hated money. “I really thought that to love the poor, I had to become poor,” he says. So he lived as a poor missionary, just getting by while devoting himself to ministry. Until one day, he decided to turn his finances around. Today, he’s got at least 16 income streams flowing into his life, from internet businesses to real estate to micro-entrepreneurship. Not to mention he’s a very influential lay evangelist who brings inspiration to countless Filipinos around the world. But Bo didn’t decide to become rich just for his own personal gain — he…
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    FinancingLife.org

  • Lessons From Stock Market History Pt.8: sensible investing (video)

    Rick Van Ness
    20 May 2015 | 11:04 am
    Sensible investing lessons from stock market history: Be realistic. Stay calm. Don't try to time the market. Keep it simple. Diversify stocks. Don't tinker. The post Lessons From Stock Market History Pt.8: sensible investing (video) appeared first on Lessons From Stock Market History Pt.8: sensible investing (video).
  • Lessons From Stock Market History Pt.7: buy and hold (video)

    Rick Van Ness
    20 May 2015 | 11:01 am
    The best advice is to buy and hold. Re-balance once a year. Don't be tempted to tinker with your investment decisions. Simply buy and hold and re-balance. The post Lessons From Stock Market History Pt.7: buy and hold (video) appeared first on Lessons From Stock Market History Pt.7: buy and hold (video).
  • Lessons From Stock Market History Pt.6: diversify stocks (video)

    Rick Van Ness
    20 May 2015 | 10:58 am
    The lessons that scream from every page of market history: diversify stocks! Only own the correct amount of stocks for you, and diversify stocks with bonds. The post Lessons From Stock Market History Pt.6: diversify stocks (video) appeared first on Lessons From Stock Market History Pt.6: diversify stocks (video).
  • Lessons From Stock Market History Pt.5: keep investing simple (video)

    Rick Van Ness
    20 May 2015 | 10:55 am
    The next lesson is Keep Investing Simple. Complicated products often don't work the way that you hoped. Keep it simple. And remember: costs matter! The post Lessons From Stock Market History Pt.5: keep investing simple (video) appeared first on Lessons From Stock Market History Pt.5: keep investing simple (video).
  • Lessons From Stock Market History Pt.4: stock market timing (video)

    Rick Van Ness
    20 May 2015 | 10:50 am
    Forget about stock market timing. The mantra that wise experts share is the importance of time in the market, rather than timing the market. The post Lessons From Stock Market History Pt.4: stock market timing (video) appeared first on Lessons From Stock Market History Pt.4: stock market timing (video).
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    Diễn đàn của sự thay đổi

  • Cung cấp các bộ bàn ghế ăn gỗ tự nhiên cao cấp kiểu dáng hiện đại

    25 May 2015 | 2:50 am
    dogokientruc.com là nhà thiết kế và sản xuất các loại bàn ăn gỗ tự nhiên với nhiều kiểu dáng sang trọng và tinh tế, hiện đại uy tín chất lượng tại Hà Nội. Chúng tôi phân phối đến quý khách hàng các bộ bàn ăn làm bằng gỗ tự nhiên cao cấp màu sắc tươi tắn hài hòa , rất dễ kết hợp với các nội thất khác trong Gia Đình. Quý khách hàng có thể tùy ý chọn loại chất liệu, màu sắc, kiểu dáng… Chúng tôi sẽ tư vấn và giúp quý khách thiết... Cung cấp các bộ bàn…
  • chính sách nhận nhuật bút

    24 May 2015 | 9:25 pm
    Chào mừng các bạn đã đến với Góc tâm sự.vn – Nơi tam su chia se, tình cảm, truyen ngan tinh yeu những câu chuyện, bài học ý nghĩa xung quanh cuộc sống. Khi các bạn tham gia và đăng bài trên goctamsu.vn, bài được kiểm duyệt và sẽ được đăng tải. Các chủ đề như Tình yêu, cuộc sống, hôn nhân, gia đình, bạn bè hay các trải nghiệm bạn muốn chia sẻ với mọi người. Các bài viết hay sẽđược đăng trên... chính sách nhận nhuật bút
  • May rèm cửa, Lắp rèm cửa giá rẻ

    24 May 2015 | 8:53 pm
    Với 5 Năm kinh nghiệm trong lĩnh vực Rèm cửa, Rèm Huy Anh đã từng tư vấn thiết kế may đo và lắp đặt hàng ngàn các công trình rèm cửa lớn nhỏ trải đều ở mọi phân khúc từ rèm gia đình đến rèm văn phòng, nhà hàng và khách sạn. Lắp đặt rèm cửa tại Hà Nội là dịch vụ mà chúng tôi đã đưa ra thị trường từ lâu, Với mong muốn đem lại một dịch vụ tiện lợi nhất, Chúng tôi có dịch vụ mang mẫu rèm cửa đến tư vấn tại công trình cho dù bạn ở... May rèm cửa,…
  • Khuyến mãi internet cáp quang Viettel giá rẻ tại TpHCM

    23 May 2015 | 11:56 pm
    Trong năm 2015, Viettel khuyến mãi lớn dành cho cá nhân, hỗ gia đình, tổ chức, doanh nghiệp có nhu cầu đăng ký dịch vụ internet Viettel cáp quang tại TpHCM. Khuyến mãi gói Fast10 (tốc độ 15Mbps) chỉ 200.000đ/tháng, gói Fast20 (tốc độ 20Mbs) chỉ 220.000đ/tháng, gói Fast30 (tốc độ 30Mbps) chỉ 330.000đ/tháng. Miễn 100% phí lắp đặt và trang bị modem wifi 4 cổng chuyên dụng và tặng từ 1 - 4 tháng cước dành cho khách hàng... Khuyến mãi internet cáp quang Viettel giá rẻ tại TpHCM
  • Giá chè thái nguyên tại hà nội

    22 May 2015 | 3:47 am
    Bảng giá chè Thái Nguyên tháng 5/2015 về cơ bản không có sự thay đổi. Phát triển từ cơ sở sản xuất chè thái nguyên ngay tại vùng đất được mệnh danh Đệ nhất danh trà, thương hiệu trà xanh Minh Cường – Minh Cường Green tea là dòng sản phẩm chè tân cương chất lượng cao, kết hợp những tinh hoa trong nghệ thuật chế biến chè tân cương thái nguyên thủ... Giá chè thái nguyên tại hà nội
 
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    Personal Finance Advice

  • Reasons why you need a Credit Card

    Chris Bibey
    14 May 2015 | 5:59 am
    There is no denying the fact that some people shouldn’t carry a single credit card. For example, if you have had issues with this type of debt in the past, it is probably best that you don’t have access to a credit card in the future. On the flipside, there are reasons why you need a credit card. As long as you can use it in a responsible manner, you can benefit on many levels. Here are three reasons to consider: Helpful in the event of an emergency. For instance, if your car breaks down you may need a credit card to pay for emergency service. Furthermore, if you are faced with a large…
  • 3 Tips to Ace your Next Job Interview

    Chris Bibey
    16 Apr 2015 | 5:47 am
    So, the big day is coming soon. You are going on a job interview you have been dreaming of for quite some time. It is natural to feel nervous. It is natural to think about everything that could go wrong. Even though you may feel this way, there are steps you can take to improve your chance of success. And by success, we mean landing the job. Don’t be one of those people who overcomplicate the job interview process. Instead, follow these three basic tips: Be prepared for anything that could come your way. Even if you think you know everything about the position, company, and industry, it…
  • Saving on Groceries: Easier than you Think

    Chris Bibey
    20 Mar 2015 | 6:03 am
    When you step foot into a local grocery store, you will have two things on your mind: Finding and buying everything you need Saving money along the way It is easy to put a variety of items in your cart. It is not so easy to check-out, knowing that the final total could be more than you wanted to spend. While many people are resigned to the fact that they will overspend on groceries, you don’t have to go down this path. Instead, use these tips to your advantage: Buy what’s on sale. It may not be what you want, but it could go a long way in saving you money. No matter which store you visit,…
  • Don’t Buy a New Car Until you Answer these Financial Questions

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

    Chris Bibey
    30 Jan 2015 | 6:06 am
    When you look at your emergency fund what do you see? While some people are happy with the amount of money they have saved, others come to realize the following: they need to make up ground in a hurry. Nobody wants to be faced with an emergency, but you never know what is going to happen in the future. Why not prepare for the worst but hope for the best? Here are three reasons why you need an emergency fund: Home repairs. No matter what type of home you live in, there could come a time when you are in desperate need of a repair. Did your furnace break? Do you need a new roof? Is your basement…
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    Mad Fientist

  • Happiness Through Subtraction

    The Mad Fientist
    21 May 2015 | 6:41 am
    Financial independence isn’t the answer to all your problems and it won’t be the source of all your happiness. In fact, financial independence is just another shiny object. A new car. The latest smart phone. It’s all the same. We scoff at normal consumers when they try to find happiness by buying things but are we any better? I know I wasn’t. I thought that all my problems would be solved and complete happiness would arrive as soon as I hit my magic number. After all, why wouldn’t it? Once I reached my FI target, I could do whatever I wanted, whenever I wanted.
  • Under the Microscope: The Mad Fientist

    The Mad Fientist
    21 Apr 2015 | 8:50 am
    Last year, I asked you what you’d like to see more of on this site and the biggest request was to see more stories of people who are on the path to early financial independence so today I am introducing the Under the Microscope series, the series where we peak behind the curtain of someone’s journey to financial independence and offer advice to help them reach FI even sooner! The second most-popular request from my survey was that you wanted me to write more about my personal story so to kick things off, I decided to go under the microscope first! Be easy on me :) Occupation…
  • Adventures Abroad

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

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

    The Mad Fientist
    22 Dec 2014 | 5:00 am
    I think the shock really hit about halfway through the flight. Although the strong smells of drying fish, the weird food, and the jet lag made the previous few days in Hong Kong unique, it wasn’t until we boarded the regional Chinese plane to Wenzhou that a bit of panic started to set in. At first, it was a normal flight and we were excited to get to the place that would become our new home for the next three months. As we sat on the flight though, the Chinese man next to us began hacking up a lung (possibly two) and depositing said lung(s) onto the floor of the aircraft. He…
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    Getting Ahead, A Personal Finance News & Exchange

  • Use Your Smartphone and Save

    11 May 2015 | 3:29 pm
    <img src="http://www.usequityadvantage.com/images/default-source/Blog/Images/shutterstock_270545114.jpg?sfvrsn=0" title="shutterstock_270545114" style="vertical-align: middle;" /><br /> <br /> <br /> Smartphones are everywhere these days &mdash; and they can be a useful and valuable tool to help you save big. Here's a roundup of apps that you can use to budget and shop your way to greater savings. Most are available across multiple platforms at low to no cost.<br /> <h2>Banking and Budgeting Apps</h2>…
  • Is an Investment Club Right for You?

    6 May 2015 | 3:17 pm
    <img src="http://www.usequityadvantage.com/images/default-source/Blog/Images/investment-club.jpg?sfvrsn=4" title="Investment Club" style="vertical-align: middle;" /><br /> When you&rsquo;re risking not just money but perhaps future comforts at retirement, it can be hard to feel good about trusting either a single personal advisor or the faceless advisory groups of big investment firms. But there is a middle ground, and it&rsquo;s been around for more than a century. Investment clubs are groups of up to 100 individuals who meet regularly to…
  • Curb Appeal on a Budget

    4 May 2015 | 3:06 pm
    <img src="http://www.usequityadvantage.com/images/default-source/Blog/Images/curb-appeal.jpg?sfvrsn=2" title="Curb Appeal" style="vertical-align: middle;" /> <p>Making improvements to your curbside view doesn&rsquo;t have to require a second mortgage. Here are some simple, low-cost ideas to help your house put its best face forward.</p> <h2><strong>Paint the Front Door.</strong> </h2> <p>Changing the accent color on your door can give your house a whole new look. Be sure to go to the paint store first and get…
  • How to Earn Money by Spring Cleaning Your Home

    29 Apr 2015 | 2:54 pm
    <img src="http://www.usequityadvantage.com/images/default-source/Blog/Images/spring-cleaning.jpg?sfvrsn=2" title="Spring Cleaning" style="vertical-align: middle;" /> <p>What&rsquo;s the saying, &ldquo;hope springs eternal&rdquo;? It seems that every time spring rolls around, we get motivated to clear out the cobwebs and do some serious decluttering. Why not take that opportunity to make a little money at the same time? We think you&rsquo;ve earned it after all that work spring cleaning. Here are eight ways you can turn clutter into…
  • Some Higher Education on Your Student Loan: It’s Up to You to Take Charge

    27 Apr 2015 | 1:11 pm
    <img src="http://www.usequityadvantage.com/images/default-source/Blog/Images/student-loans28B8EE32D312.jpg?sfvrsn=2" title="Student Loans" style="vertical-align: middle;" /><br /> Graduation from college is a happy time for you and your family, with loved ones waving you down the road to a brighter future paved by a college education. But soon you realize that between you and your new life stands a mountain of debt that must be climbed &mdash; your student loans. <p><strong><br /> Research Shows You&rsquo;re Not…
 
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    Rockstar Finance

  • ★ Happiness Through Subtraction

    Team
    25 May 2015 | 3:02 am
    “Don’t focus solely on the finish line because once you get there, you may be disappointed. The journey is the important part so figure out all the things that make you unhappy and use your FI savings to eliminate them.”
  • ★ How to Save Money Like a Soldier

    Team
    25 May 2015 | 3:01 am
    “For someone like me, who is trying to pay off a large amount of debt, you need to be more extreme in your frugality. That is why I suggest you deploy yourself on a mission to save money. As with military deployments, set a specific amount of time set to complete your mission. You will have an easier time sticking with this assignment if you can rationalize that, for example, ‘it’s only for six months’ instead of an indefinite amount of time.”
  • ★ A Year Isn’t a Year

    Team
    25 May 2015 | 3:00 am
    “Just like a dollar is worth more today than it is in the future, I’d argue that, all the same, a year today is worth more than a year in the future… The future isn’t guaranteed. As such, a year now is worth far more than a year in 20 or 30 years. After all, you might not even be alive at that point in time.”
  • ★ What I’m Teaching My Son About Money

    Team
    22 May 2015 | 3:02 am
    “True wealth is more of a big picture thing – freedom from negative stress and a higher confidence about how great life is. It hits you like a pack of wild butterflies every morning when you wake up. Holy shit, here comes another great day.” ——– Photo Credit: Hobbies on a Budget
  • ★ 7 Cash Myths We Avoided to Save $27,000

    Team
    22 May 2015 | 3:01 am
    “Myth #4: Cash is for drug dealers and I don’t want people to think I am the next Pablo Escobar. Answer: You can still use cash and avoid selling drugs. This is ludacris and I hear it often. Seriously. Cash is not the gateway drug into the sale and trafficking of drugs.”
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    Doctor Of Credit

  • Credit Card Annual Fee Waivers & Other Benefits For Those On Active Duty

    William Charles
    25 May 2015 | 8:30 am
    Given that it’s Memorial day, I decided it would be a good idea to repost this information. Hopefully some of you find it useful, this post was originally republished on 4th of July, 2014. It’s 4th of July & Independence day, I’m always grateful to those who serve this country so I thought I’d highlight a few credit benefits for those who serve us. This month’s charity contribution will also be going towards an organization that helps our veterans, if you have any suggestions then let us know n the comments. A lot of this information was originally posted on…
  • Join Aeroflot Bonus & Get 500 Miles For Free

    William Charles
    25 May 2015 | 7:32 am
    The Offer Direct link to offer Receive a sign up bonus of 500 miles for free when you join Aeroflot Offer page doesn’t mention the bonus, but your account will be instantly credited. The Fine Print Unknown expiration date Our Verdict Aeroflot is a SkyTeam partner, they have a calculator you can use to see how much awards will cost you for different routes. Obviously 500 miles will not get you anywhere, but I generally just sign up for these airline programs whenever a reward is available because you never know when another free mile opportunity will come along that you can stack. Hat…
  • Best Posts Last Week: Two 5% Everywhere Cards, $500 Sign Up Bonus, Visa Infinite & Much More

    William Charles
    25 May 2015 | 6:37 am
    First lets have a look at the limited credit card news this week. Capital One added a $500/50,000 mile bonus on their Spark Business cards and I made a case for that offer despite the fact that Capital One pulls all three credit bureaus. There is also a 50,000 mile bonus on the Lufthansa card, who knows how long that’ll last so jump on it if it interests you. Discover is also letting some cardholders pick a store to earn 5% cash back in on up to $1,000 in purchases. There are currently two credit cards that have the potential to earn up to 5% everywhere, of course there are some…
  • Safeway: Gap Giftcards At 20% Off Or $5 Off $25

    William Charles
    24 May 2015 | 6:55 am
    The Offer Hat tip to Money Metagame on Twitter There are two different deals, you won’t know what’s available until you log into your account: Receive a 20% discount at Safeway on all GAP Brand gift cards (e.g GAP Kids, Old Navy, Banana Republic). Receive $5 off $25 on all GAP Brand gift cards (e.g GAP Kids, Old Navy, Banana Republic). You need to add this offer to your just for U account and use your loyalty card at check out to receive this discount. The Fine Print No limit on the amount you can purchase Valid until June 6th, 2015 Our Verdict This seems to be a recurring deal…
  • Free MS, Emerald Card Gets Less Useful, PointsBreak, Churning With Barclaycard & $20 Amazon Credit For Free

    William Charles
    23 May 2015 | 6:05 pm
    Free manufactured spend. What’s left? by Frequent Miler. Nice round up of what’s left for free manufactured spending. HR Block Emerald Card Suspends Debit Card Funding by Will Run For Miles. Another annoying development in the manufactured spending space. Map of all IHG PointBreaks May 2015, June 2015 and July 2015 by Points With A Crew. Great usable post as always. I’d love for him to make the full table viewable at once though. Barclay’s Makes Major Change on Getting Multiples of the Same Product by Miles to Memories. Let’s hope this only effects you getting the same…
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    moneypantry.com

  • Earn Rewards for Shopping: Are You Leaving Money at the Checkout Counter?

    Satrap
    18 May 2015 | 12:41 pm
    Given the choice, most consumers would prefer comparing prices of needed items as available at various stores. Unfortunately, it is not practical for most people to check and compare prices of all the needed items to find the best prices offered by any vendor. Need Extra Cash for Free? Join EarningStation, a new reward program... Read More The post Earn Rewards for Shopping: Are You Leaving Money at the Checkout Counter? appeared first on MoneyPantry.com.
  • Get Paid to Date: How a 19 Year Old Earns $1000 Weekly Dating Rich Men

    Satrap
    13 May 2015 | 9:11 am
    Those with looks stunning enough to pull onlookers towards them, can make a decent amount of money by going out with others. The website that allows you to make money on the sheer strength of your looks is WhatsYourPrice.com. However, be warned they do not permit any kind of escort services. So, if you have... Read More The post Get Paid to Date: How a 19 Year Old Earns $1000 Weekly Dating Rich Men appeared first on MoneyPantry.com.
  • Rent out Rooms in Your House for Extra Cash: Top 6 Companies to Use

    Satrap
    11 May 2015 | 1:30 pm
    The economy is still forcing many people to look at their spending and do whatever they can in order to save money. Taking a vacation is something that many people put off and do not do at all, since it is an unnecessary expense. Need Extra Cash for Free? Join EarningStation, a new reward program... Read More The post Rent out Rooms in Your House for Extra Cash: Top 6 Companies to Use appeared first on MoneyPantry.com.
  • 4 Awesomely Creative Ways to Make Money Online

    Satrap
    7 May 2015 | 2:13 pm
    Many with some extra time on hand would welcome the idea of making some extra cash through the Internet. In fact, many are already working as freelancers, bloggers and e-retailers. Need Extra Cash for Free? Join EarningStation, a new reward program that pays you for doing things you already do online. You can cash out... Read More The post 4 Awesomely Creative Ways to Make Money Online appeared first on MoneyPantry.com.
  • 50 Kick-Ass Businesses You Can Start for Under $5000

    Satrap
    2 May 2015 | 3:04 pm
    You don’t always have to spend hundreds of thousands of dollars to start a business, specially a home-based business. I have actually talked about starting a business for under $100 before. Today, I am going to share with you 50 business ideas– some home-based and some not — that you can start with less than... Read More The post 50 Kick-Ass Businesses You Can Start for Under $5000 appeared first on MoneyPantry.com.
 
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    CompareHero Malaysia

  • INFOGRAPHIC: 8 Money Principles to Teach Your Kids

    CompareHero
    24 May 2015 | 5:00 pm
    Part of your responsibilities as a parent is teaching your children practical life skills they will need when they're older. Ranking high on the list of these important skills is financial literacy, an expansive topic that can include everything from investments to personal budgeting. It’s a fact however that many people learn these crucial skills too late. Many of us spend our adulthood either in debt or living paycheck to paycheck. To avert this kind of disaster, you should start your child's financial education at an age when they can take these lessons to heart. When you help them…
  • Tougher BNM Rules Distort Housing Market

    CompareHero
    21 May 2015 | 5:00 pm
    Bank Negara’s lending restrictions and tougher credit checks are distorting the housing market, says Real Estate and Housing Developers’ Association (Rehda) Malaysia’s Datuk Seri Fateh Iskandar Mohamed Mansor. Fateh Iskandar says that the high rejection rates of housing loan applications have pushed many developers to delay property launches especially those in the affordable housing sector. As the supply of new affordable houses slow down, prices can go up. Rehda’s president is urging the central bank to review its policy especially those that have an impact on lower income groups…
  • The Best Places to Study Abroad

    CompareHero
    21 May 2015 | 12:09 am
    A good education is the investment of a lifetime. This holds true whether you’re a parent planning for your child’s future or a young adult looking for new life experiences. Why not step out of your comfort zone and opt for schooling away from home? Studying abroad can be an enriching way to accomplish both your college education and your dream of seeing the world. Here we’ve dug up some of the world’s top universities with accommodations for international students. Massachusetts Institute of Technology (MIT) Boston, Massachusetts, USA Recommended programs: Science, Technology,…
  • Is That Credit Card Surcharge Legal?

    CompareHero
    19 May 2015 | 8:37 pm
    Have you ever paid for something with your credit card, only to discover an additional charge on your receipt? Do yu ever wonder why some stores offer discounts for customers who pay in cash, compared to those who use credit cards? When you pay for a purchase with your credit card, some retailers may incorporate a “surcharge” into the total amount you pay at the cash register. The legality of these types of fees varies according to location. Some countries permit merchants to use surcharges, others don’t. What is a credit card surcharge? Today, many businesses offer customers the option…
  • Escape the Heat by Visiting These 5 Places

    CompareHero
    14 May 2015 | 5:00 pm
    Malaysia may be located right in the tropics, but that doesn’t mean you can’t beat the summer heat! Looking for a getaway where you can wait out the rising temperatures? Put down that fan and head on out to the coolest places around! 1. Genting Highlands Looking for some good old-fashioned family fun? Treat your loved ones to a trip to Genting Highlands, literally one of the “coolest” places in the country. Also known as Resorts World Genting, this deluxe resort has everything from hotels to amusement parks. The best part? Genting Highlands is just one road trip away from KL. 2.
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    Making Money Fast and Slow

  • Cut the Cable Cord – How to Watch TV Live for Free Online

    Bobby Kania
    18 May 2015 | 4:29 pm
        When was the last time you watched all of the channels you are paying for with your cable bill? I can’t remember a time I’ve even watched 10% of my available channels. Each month you get that cable bill and wonder why you are paying $50, $100, and on average $123 per month! The cable companies have a monopoly and consumers have no place to go. To top it all off, cable companies rank as having the worst customer service across all industries, second only to government offices! So what can you do about it? With the advent of the internet, many alternatives to the big…
  • Best Gas Rewards Card: PenFed Platinum Cash Rewards – 5% Cash Back

    Bobby Kania
    29 Nov 2014 | 6:00 am
    I’ve had this credit card for well over a year now and it is by far the best rewards card for gas that I have in my wallet.  This card earns a whopping 5% cash back that is automatically applied to your account as statement credit; no need to buy gift cards or anything. In order to avoid the annual fee and earn the full 5% cash back, you need another PenFed “qualifying” account. I just set up a savings account in which I automatically deposit $35 a week so that it covers my monthly gas expenditures. Standard* Plus** Gas Purchases at the Pump* 3.00% 5.00% Annual Fee First…
  • When Will the Stock Market Party End?

    Anonymous
    3 Jul 2014 | 4:53 am
    The stock market is on cruise control, slowly drifting up, like driving with hands off the wheel. While few immediate negative market events are on the horizon, the market is expected to continue its flight. When will the party stop? Over 30% gains in the S&P 500 last year wasn’t enough. We want – NO, WE NEED – more capital accumulation. But how far are we willing to go? The market is already overvalued more than 60% compared to historical earnings. You can check out and learn more about the Shiller PE Ratio here. If you don’t trust legendary Yale professor Robert…
  • A Young Professional’s Guide to Financial Planning

    18 Jun 2014 | 3:28 pm
    As a young professional myself, I know firsthand the struggles many young professionals have when dealing with their finances. When we graduate college and start making “real money” for the first time in our lives it’s hard for us to listen to our parents and colleagues saying “save, save, save.” We have student loans, rent, and cash in our pockets that tempts us to buy a new set of golf clubs or that Coach handbag we’ve been looking at all week. That’s why I started Appalachian Capital Group, LLC after graduating from Virginia Tech. As an investment manager and financial…
  • 5 Easy Ways to Save Money

    Anonymous
    22 Mar 2014 | 9:33 am
    Eat out less – Eating out can cost a lot. If you eat in you won’t have to pay for gas to get to the restaurant or pay a tip. In terms of actual food cost, it’s just cheaper overall. Work out and eat better – The healthier you are, the more energy you will have and the better you will perform at your job. It will also improve your personal life (not to mention your sex life). Being healthy can also save you money on life insurance and individual health insurance. Improve your credit score – Pay your bills on time and open multiple accounts to get credit history.
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    Financial Market Vigilante

  • Treasury Rates Up, Stocks Up - Will the Pattern Continue?

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

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

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

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

  • Non-Doms In Tax Firing Line, Warn Property Lawyers

    Martin Hughes
    23 May 2015 | 11:09 pm
    Lawyers are warning the newly elected UK government may focus on non-doms to raise more tax. The target is likely to be real estate – and non-doms are urged to review their tax status to ready for changes, says Naomi Lawton, a senior associate at Memery Crystal LLP. The firm argues taxing non-domicile residents in the UK remains at the head of the government’s policy list despite some radical changes during the last Parliament. Lawton explains that tax status will differ for each non-dom, which makes financial planning difficult. “Non-doms looking to buy homes or commercial property in…
  • UK Dips Into Deflation For First Time In 50 Years

    Kevin Barnett
    23 May 2015 | 11:08 pm
    Britain has slipped into deflation for the first time in more than 50 years, according to the Office of National Statistics. The official measure of inflation, the consumer price index (CPI) registered a rate of -0.1% for April after sitting at 0% for February and March. The ONS disclosed the main factor in the drop was the falling price of oil that made fuel prices cheaper for ship and airline companies. Chancellor George Osborne and Bank of England governor mark Carney have warned a period of deflation was likely in Britain this year due to the plunging cost of oil – down from around $100…
  • Putting A Price On Your Happiness

    Martin Hughes
    20 May 2015 | 11:42 pm
    Money does buy happiness – but most people want a considerable lump sum to bring a smile to their face, according to a new survey. The average amount of cash in the bank that will bring a smile to most people’s faces is a substantial £7,646,500, researchers for cashback Quidco have revealed. Around 2,000 people were asked how much cash would make them happy – and almost two-thirds put a figure on their wellbeing. For 10%, the figure was a massive £50 million, while at the other end of the scale another 10% opted for just £250,000. The average was £7.65 million. Although cash would…
  • Planning Your Retirement With The 4% Rule

    Ryan Holder
    20 May 2015 | 11:40 pm
    The mortgage is paid you have some investments, a pension pot and cash in the bank – so how much money a year do you think you can draw on to make life a little more comfortable in retirement? The truth is no one really knows because they do not know how long they will live. That’s why some investors like to take the safe route and guarantee a low income for life with an annuity rather than take a chance that the cash they do have will last as long as they do. If you are around retirement age, you will also have seen some ups and downs in the stock markets and suspect that you are likely…
  • Election 2015 – Cameron Leads Tories To Blue Heaven

    Vicky Dixon
    19 May 2015 | 9:35 pm
    The campaigning’s over, the votes are in and counted and against all odds Prime Minister David Cameron has won a second term in Downing Street with a narrow majority government. In 24 hours of shocks and rival party leaders dropping like flies, a BBC TV exit poll was spot on in forecasting Cameron would win an outright majority. Voters rejected the Ed Miliband’s call for support and left Labour with just 232 seats as a surge in Scots nationalism ripped the heart out of the party’s traditional homeland support. Labour lost 26 seats. Scottish Nationalists stormed into Westminster with 56…
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    Your Smart Money Moves | Personal Finance Blog

  • Six Smart Financial Gifts For The College Graduate

    Ted Jenkin @ Your Smart Money Moves
    23 May 2015 | 9:42 pm
    I went on CNN Headline News with #lynnsmithtv this weekend to talk about what kind of gifts to give for the college graduate.  In my opinion, far too often, senseless gifts are given from both families who have means and resources and those that don’t.  So, here are three smart financial gifts to consider for the college graduate and three others for those who want to stay within a $100 budget. Get A Budget! @ youneedabudget.com for $60. Do you still want the kids to be living at home until they are the age of 30?   If the answer is no, then you need to consider teaching them the…
  • Does Your Business Need A Buy-Sell Agreement?

    Ted Jenkin @ Your Smart Money Moves
    21 May 2015 | 4:00 am
    One of the questions I will ask a business owner in my interview process is “Do you have a business will?”  By this line of questioning, I am simply asking what happens to the business if you die.   Some businesses have one or multiple partners and others businesses are owned by a single individual.   Far too often, most owners after they have built a successful business don’t take the time to flesh through the details of what will happen with the business in the event of death, disability, retirement, etc. One of the most important discussions for any owner is how to install a…
  • Why 9 to 5 Will Never Exist Again

    Ted Jenkin @ Your Smart Money Moves
    19 May 2015 | 4:00 am
    Who could ever forget Dabney Coleman as the boss who gets paid back in spades by Dolly Parton, Lily Tomlin, and Jane Fonda in the 1980 movie 9 to 5.  I’m sure those of you who can remember seeing the movie are probably humming the song in your head, so here goes: “Tumble outta bed And I stumble to the kitchen Pour myself a cup of ambition And yawn and stretch And try to come to life Jump in the shower And the blood starts pumpin’ Out on the street The traffic starts jumpin’ The folks like me on the job from 9 to 5…” It’s 35 years later and 9 to 5 might have…
  • Road Trip Savings For The Summer Family Vacation

    Ted Jenkin @ Your Smart Money Moves
    16 May 2015 | 5:00 pm
    At some point during the summer, you’ll likely embark on some type of vacation whether it be a week at the beach or a cross country trip in the motor home.   Since the summertime may afford you just a little bit more time off of work and gas prices are still on the lower side, you might decide that going by automobile is the travel mode of choice.  If you decide to load up the SUV or the station wagon and start out on a road trip, here are five smart money moves you might want to consider to stretch your dollars this summer. Avoid the holiday weekends– If you are going to a popular…
  • What’s My Business Worth?

    Ted Jenkin @ Your Smart Money Moves
    14 May 2015 | 4:30 am
    People start a business for all kinds of different reasons.  Some people start a business because they are fulfilling a lifelong passion to create a new product or service.   Others see a new business as a getaway from the grit and grind of corporate America to become their own boss.   There is also a group of people that look at a business as an engine to create cash flow, create a family legacy, and build substantial wealth.   Whatever reason tickles your fancy to start a business, at some juncture if the business has some success most owners ponder the question about what is the…
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    Money On Trees

  • 5 Travel Apps to Save You Money (With Amanda Stancati)

    Fabio Marrama
    8 May 2015 | 6:51 am
    Spring may have just started, but summer is just around the corner – and that means its vacation time! So we turned to the vacation experts for some tips. Amanda Stancati at tripcentral.ca provided us with 5 travel apps designed to help you save money when travelling. After all, we could all use a little more saving on our getaways! With these 5 travel apps that can save you some money, there’s no excuse not to download them onto your smart phone and review how they could help you wander the world for less. Budget for your trip beforehand, and while you’re there, hit up Broadway shows…
  • 5 Key Steps to Starting Your Next Small Business (Featuring James Lefebvre)

    Fabio Marrama
    30 Apr 2015 | 9:15 am
    Do you have aspirations to become Canada’s next “great start-up”? There’s a chance you have big ideas knocking around in the back of your head, and some of them are probably aching to come to life. You’re not the only ones: According to BDC (Business Development Bank of Canada) as of 2014, there were over 1.1 million small businesses registered in Canada, and a recent survey found that even 46% of university students might start businesses after they graduate. This week, we turned to one of FirstOntario’s Small Business Pro’s for some guidance. James Lefebvre is the Director,…
  • 5 Ways Volunteering Can Boost Your Career!

    Fabio Marrama
    16 Apr 2015 | 8:14 am
    Final exams are almost over, and you have summer just ahead of you! For many post-secondary students, you may have finally graduated and this will be your chance to look for your first career. Landing one in this competitive job market will be a task! As you start your search, remember the benefits of volunteering and how it can positively benefit your career. Here’s 5 ways volunteering can boost your career courtesy of TalentEgg (Canada’s leading job board and online career resource for students and recent grads). Work Experience If you’re just starting out, there’s a good chance…
  • Choice and Affordability Coming to a TV near You!

    Fabio Marrama
    9 Apr 2015 | 7:09 am
    For most young adults these days – Netflix seems to be the “go-to choice” for television entertainment. It’s affordable and entertaining. In fact, we recently wrote a blog about Netflix’s advantage for alternative TV. However, things have changed somewhat in the last few weeks. According to the Financial Post, the Canadian Radio-television and Telecommunications Commission (CRTC) announced the next stage in the evolution of Canada’s cable and television industry. The CRTC has required pick-and-pay TV channels and basic packages with a $25 cap from cable providers. What this means…
  • Recognize it! Top ten scams to watch out for.

    Fabio Marrama
    26 Mar 2015 | 11:53 am
    It’s still March! Which means it’s still Fraud Prevention Month here in Canada. I recently saw a report by Global News that talked about the top ten scams to watch out for this month. Scams can come in all sorts of forms, so be on the look out to make sure you don’t become a victim this year. Equifax Canada suggests fraud accounts for 54 per cent of all cybercrimes reported to police, citing Statistics Canada data. Plus, Equifax reports that fraud-related crime costs Canada between $15-billion and $30-billion annually. The following ten scams are believed to be the most pervasive of…
 
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    Bankrate.com » Rates

  • Mortgage rates in Dallas, Texas

    Mitch Strohm
    21 May 2015 | 4:35 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 Phoenix, Arizona

    Mitch Strohm
    21 May 2015 | 4:30 am
    See weekly updated mortgage rates in Phoenix for the 30-year fixed, 15-year fixed, 5/1 ARM and jumbo home loan.
  • Mortgage rates in Los Angeles, California

    Mitch Strohm
    21 May 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 Los Angeles.
  • Mortgage rates in Philadelphia, Pennsylvania

    Mitch Strohm
    21 May 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
    21 May 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.
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    The Travel Sisters

  • Earn Free Money and Points at Staples This Week

    Patti
    24 May 2015 | 7:58 am
    Staples is offering a rebate on Visa gift card purchases this week and it could not have come at a better time for me as I need to meet my minimum spend on a few new credit cards. The rebate is valid for in-store Visa gift card purchases from May 24 through May 30. If you buy $300 or more of Visa gift cards at Staples stores this week you will receive a $20 Visa prepaid gift card after easy rebate.  $20 is more than the fees you would incur for purchasing $300 of gift cards so you would be earning some extra profit. As many of you are aware, the Visa gift cards from Staples are pin enabled…
  • List of Chase Credit Cards Currently Offering Refer-a-Friend Bonus (Earn Points For Referring Credit Cards)

    Patti
    12 May 2015 | 12:59 pm
    There are at least six Chase credit cards currently offering a referral bonus for referring those credit cards to family or friends (if they apply and are approved using your referral link). I’ve written before about Chase’s refer-a-friend program which I use to earn extra points when a close family member applies for a card.  For anyone not familiar, Chase periodically offers the opportunity to earn points for referring its credit cards through chasereferafriend.com. The way Chase refer-a-friend works is that you receive 5,000 bonus points (10,000 for the Marriott card) for…
  • Highest Signup Bonus on United MileagePlus Explorer: 55,000 Miles +$50 Statement Credit OR 55,000 Miles +5,000 Referral Bonus

    Patti
    7 May 2015 | 5:40 pm
    I recently received an email from Chase about a referral bonus on the United MileagePlus Explorer and it reminded me to write about the higher than usual sign up bonus on one of my favorite credit cards. The public offer on the United MileagePlus Explorer is usually 30,000 United miles but periodically gets raised to 50,000.  Occasionally, there are targeted offers for 50,000 sent out and many have been sometimes able to see the 50,000 offer when logged into united.com. Chase has officially raised the sign up bonus on its website to 50,000 bonus miles after spending $3,000 on purchases in…
  • $20 Off $300 Purchase of Visa Gift Cards at OfficeMax and Office Depot [Ended]

    Patti
    6 May 2015 | 6:43 pm
    I was not sure if I would go out of my way to visit OfficeMax but now that REDbird no longer allows credit card loads, I will be paying the closest store a visit. Office Depot and OfficeMax is having a sale on Visa gift cards until Saturday, 5/16/15.   The sale is for $20 OFF a $300 purchase of Visa gift cards. Unlike Staples, there is no rebate and the $20 is automatically deducted from the register.  While these gift cards have a fee, the discount will make the gift card purchase essentially fee free and one can even earn some extra money depending on the denominations of gift cards…
  • REDbird Credit Card Loads At Target Ending Tomorrow!

    Patti
    5 May 2015 | 1:45 pm
    If you use Target Prepaid REDcard (also called Redbird) to manufacture spend using credit cards at Target, today is the LAST DAY you can do so.  Starting tomorrow, Target is no longer allowing Redbird to be loaded using a credit card. I was out for a late lunch when I read the news on Dansdeals so on my way back to the office I stopped by Target to load my Redbird.   I was able to reload my Redbird successfully for today.  Before I had a chance to ask, the employee at the customer service desk volunteered that today was the last day I could do this. She told me starting tomorrow, Redbird…
 
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    Advantage CCS » Blog

  • Top 10 Money-Saving Tips for Summer

    Lauralynn Mangis
    21 May 2015 | 11:53 am
    Summer is fast approaching and it can be one of the most expensive seasons because everyone wants to be outside, and they want to do something fun. Having a fun... The post Top 10 Money-Saving Tips for Summer appeared first on Advantage CCS.
  • 15 Things You’re Spending Too Much Money On

    Lauralynn Mangis
    14 May 2015 | 12:39 pm
    Some everyday items are a necessity, but others are just out of habit or a want, not a need. There are many ways to ensure that a person stays within... The post 15 Things You’re Spending Too Much Money On appeared first on Advantage CCS.
  • Can Debt Collectors Harass You On Social Media?

    Lauralynn Mangis
    7 May 2015 | 7:42 am
    It seems like everyone is on Facebook or Twitter these days. From the young to the old, a huge majority of people are taking to social media to stay connected... The post Can Debt Collectors Harass You On Social Media? appeared first on Advantage CCS.
  • The Best Financial Blogs of 2015

    Lauralynn Mangis
    20 Apr 2015 | 7:14 am
    There are so many Financial Blogs out there today. It seems like every day a few more pop up out of nowhere. So, how do you know which blogs to... The post The Best Financial Blogs of 2015 appeared first on Advantage CCS.
  • Everything You’ve Ever Wanted To Know About Credit Counseling

    Lauralynn Mangis
    8 Apr 2015 | 11:49 am
    We had a goal for the first half of 2015. That goal was to become as transparent and informative as we possibly could. We want to be a thought-leader in... The post Everything You’ve Ever Wanted To Know About Credit Counseling appeared first on Advantage CCS.
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    Save The Bills

  • 5 Quick Ways To Boost Your Resume Today

    Edwin C.
    2 May 2015 | 4:22 pm
    Trying to navigate the job market in 2015 is harder but more promising than ever. Finding the right company that fits with your skills can be an almost impossible task. When it comes to getting the attention of a potential employer your resume is everything. Most people don’t realize the importance of having and updating a professional resume. Your resume is your first introduction and impression to any potential employers and like your physical appearance should be professional and presentable. For those who may not no where to begin when it comes to building a resume here are 5 tips…
  • Top 7 Things to Know About Credit Cards

    Edwin C.
    24 Mar 2015 | 1:48 am
    At some point in their lives, most people find themselves getting a little too much credit-card debt built up and are trying to find a way to get themselves out. But most people are more used to comparing cards for rewards programs or considering drastic methods like debt consolidation, settlements, or even bankruptcy. Here are seven things you should know when it’s time to get your debt under control. Checking your credit score We hear over and over that checking your credit score hurts your credit score. That’s only partially true. When you check your own, it doesn’t do that. It’s…
  • Five Mistakes You Can’t Make On A Resume

    Edwin C.
    1 Mar 2015 | 8:14 pm
    You have all the experience they want and this appears to be your dream job. You make sure everything you’ve ever done is on your resume and send it off. They have to call you, right? It wouldn’t make any sense for them to hire someone else. No matter how true that is, if your resume assaults the hiring manager’s eyes, you don’t stand a chance. Experience matters. It’s one of the most important parts of the interview process. But unless someone can make it through your resume and understand it, they can’t see how great a match you are. Here are five big things to get right. 1.
  • 10 Easy Jobs Anyone Can Do To Earn Extra Money

    Edwin C.
    19 Feb 2015 | 9:50 pm
    Freelancing is a beautiful thing. Even if you have a great job that you love, there may be a time in your life when you need extra money to pay down debts or make it through a tough time. Freelancing is a great way to bring in extra cash and many freelance opportunities require very little skill or special training. Look at the skills available to you and try a few different things before concentrating on one opportunity. If you’re lucky, your freelancing can turn into a new career! Do Some Yard Work Post a sign at the grocery store, the hardware store or anywhere else that gets a lot of…
  • 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.
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    GeorgetteMillerLaw.com

  • 5 Questions to Ask Before Declaring Bankruptcy

    Georgette Miller
    25 May 2015 | 7:18 am
    If you’re deeply in debt and the bills are mounting, declaring bankruptcy might be an appealing option. You’ll have a chance to get your finances in order without your creditors breathing down your neck. But as tempting as it may seem, bankruptcy isn’t right for everyone. Here are five questions to ask yourself before you start the bankruptcy process. 1. Chapter 7 or Chapter 13? There are two types of personal bankruptcy: Chapter 7 and Chapter 13. Chapter 13 is better if you have a steady income and assets you don’t want to lose, like a mortgaged house or … Read the rest The…
  • Katy Learns the Cost of Financial Ignorance

    Georgette Miller
    22 May 2015 | 7:00 am
    Katy Royal didn’t know her credit score the day she went to a dealership to buy her first car. Truth is, she didn’t even know what a credit score was or what it meant. “Totally naïve,” Katy admitted. How naïve? Katy bought a car that day, just not the one she wanted. The salesman told her she couldn’t have the SUV she wanted because she had a lousy credit score but he could get in a four-door compact “… that was totally gross!” she said. Gross or not, she took it because it was the only new car on the … Read the rest The post Katy Learns the Cost of Financial Ignorance…
  • Can You File Bankruptcy While In The Military?

    Georgette Miller
    18 May 2015 | 7:00 am
    While serving in the military, individuals have the same rights as regular civilians to file bankruptcy protection in order to save their valuable assets. However, individuals should keep in mind that certain high-ranking positions require security clearances that may not be available to people who have filed for bankruptcy. Nevertheless, there are no legal restrictions that prevent military personnel from filing for bankruptcy protection under the Chapter 7 or Chapter 13 provisions. Bankruptcy Can Be a Good Option For Military Personnel When individuals join the military, there are general…
  • Eviction 101: What’s Legal, What’s Not, and Your Rights as a Tenant

    Georgette Miller
    15 May 2015 | 7:00 am
    There it is: the dreaded eviction notice, taped not-so-subtly across the front door of your home. Getting an eviction notice may seem like the end of the world at first, but renters do have tenant rights that can help resolve the issue or change the landlord’s decision. Unfortunately, not every eviction is avoidable: Landlords have rights, too, and obligations to uphold the value of the property and the safety of all other tenants. Here’s a look at what’s legal and what’s not when it comes to the eviction process. Lawful reasons for eviction When you first moved in, you … Read…
  • How to Protect Your Credit During Divorce

    Georgette Miller
    11 May 2015 | 7:00 am
    Facing a divorce is emotionally draining and stressful, without even factoring the impact it will have on each of your finances. It’s time to start worrying about yourself and your future by avoiding mistakes that will hurt your credit rating. Start taking action now to protect your score and ensure that you move on in a positive financial standing. The following tips will help you establish yourself as a responsible individual, regardless of any mistakes your former spouse may make on their own behalf. Open Individual Accounts While you’re still legally married, take out a…
 
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    Sanjay Matai, The Wealth Architects

  • Legal heir vs nominee battle gets murkier

    Sanjay Matai
    24 May 2015 | 9:53 pm
    If you have been reading my blog posts on the subject of nomination, you would have noted that a legal heir is 'legally' superior to the nominee.In other words, ownership of the assets of a deceased person is legally transferred, either- to the persons named in the Will, or- in the absence of a Will, to the legal heirs i.e. spouse, children etc. as per the applicable succession laws (primarily determined by his/her religious identity).Nominee named in any asset is only to act a trustee of that asset.He musta) receive the asset from the institution concerned i.e. bank, insurance…
  • Tax-free returns on gold deposits proposed

    Sanjay Matai
    21 May 2015 | 10:11 pm
    As you may recollect, a couple of months back I had mentioned why "consuming" gold is bad for the Indian Economy and how our Finance Minister Shri Arun Jaitley plans to save India from gold-obsessed Indians.One of the measures proposed, in the Union Budget for the FY 2015-16, was the Gold Monetization Scheme wherein you could deposit your gold with the banks and earn interest on it.Accordingly, the Govt. has now announced the Draft Scheme for monetizing gold and has invited people to give their views on the same till June 2nd. Based on the feedback received, the Gold…
  • Nominee change in life insurance is no longer free

    Sanjay Matai
    17 May 2015 | 9:58 pm
    As per the Insurance Act,A life insurance policy holder can nominate a person(s) who will receive the sum assured in the event of his/her deathThis can be done either at the time of buying the policy or even later at any time during the policy termSuch nomination(s) can be changed or cancelled, by an endorsement, before the policy maturityInsurance company must issue a written acknowledgement^^ confirming the registration of such nomination(s) / alteration(s).Till now these changes could be done free of cost.However, as per the recent guidelines issued by the Insurance Regulatory and…
  • My name is Insurance and I am not an Investment

    Sanjay Matai
    12 May 2015 | 10:01 pm
    With due apologies to Mr. Karan Johar, inspiration for the above blog title comes from his movie tagline 'My Name is Khan and I am not a terrorist'.My name is Insurance...... and I am not an InvestmentOr, rather it would be apt to admit... and I am not a "good" InvestmentWhy?Firstly, your primary expectation from any investment is to earn GOOD returns. And I definitely fail on this front.When you give me your premium, out of Rs.100 about- Rs.2-4 goes towards providing you the insurance cover i.e. mortality charges,- Rs.10-15 is paid out as the agents' commission, and- Rs.3-5 is spent on fund…
  • Mutual Fund Riskometer IN. Colour Code OUT.

    Sanjay Matai
    10 May 2015 | 9:45 pm
    To make life simple for the mutual fund investors and protect their interests, SEBI (Securities and Exchange Board of India) has regularly been introducing customer-friendly measures.One such step in this regards was the Colour Coding and Labeling of Mutual Funds, introduced couple of years of ago in July 2013.Any mutual fund scheme's Offer Document, Key Information Memorandum or an Application Form will have a Colour Code and Label.Mutual Fund Colour CodeThis indicates a) whether the particular scheme is for wealth creation or regular income; and whether for short term or…
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    The Skint Dad Blog

  • Negative Inflation: What Does it Mean?

    Skint Dad
    19 May 2015 | 3:53 pm
    For the first time in 50 years inflation in the UK has dropped to a negative level. But, is this a good thing or a bad thing, and what does this actually mean for me, and you? The thing is, the news are not just going on about inflation because it has dropped, they are... [Read More] The post Negative Inflation: What Does it Mean? appeared first on The Skint Dad Blog.
  • Bank Accounts: Seven-Day Switching with TSB

    Skint Dad
    19 May 2015 | 9:01 am
    It use to be a real pain changing bank accounts but with the introduction of the seven-day switching service, transferring bank accounts has never been easier. Up until a couple of years ago, if you were unhappy with your current bank account and wanted to switch to a different bank, it was a right pain.... [Read More] The post Bank Accounts: Seven-Day Switching with TSB appeared first on The Skint Dad Blog.
  • 5 Questions to Ask Yourself Before Buying ANYTHING

    Skint Dad
    4 May 2015 | 3:03 pm
    Before making any purchase, I have a think about it and question why. This has saved me from overspending, buying worthless stuff and has saved me money. I used to buy whatever I wanted, whenever I wanted it – easy to see how I got in debt right?! Things are clearly different today and spending... [Read More] The post 5 Questions to Ask Yourself Before Buying ANYTHING appeared first on The Skint Dad Blog.
  • Grab 3 Odeon Cinema Tickets for £12 – limited time offer

    Skint Dad
    2 May 2015 | 3:54 am
    The latest Groupon cinema deal gets you 3 Odeon cinema tickets for £12. Valid at cinemas nationwide, this limited time deal will end soon so grab them quick. Fancy something to do over the long bank holiday, or want to pre-plan for the May half term, or do you just love going to the cinema... [Read More] The post Grab 3 Odeon Cinema Tickets for £12 – limited time offer appeared first on The Skint Dad Blog.
  • 4 Ways to Stop Overpaying For Your Mobile Phone

    Skint Dad
    20 Apr 2015 | 4:21 pm
    Your mobile phone can be pretty expensive unless you make sure you are getting the best deal and check that you are not overspending on your current bill. Mobile phones and contracts can be costly but they are one of the things in modern society that aren’t considered a luxury anymore. I’ve really been having a... [Read More] The post 4 Ways to Stop Overpaying For Your Mobile Phone appeared first on The Skint Dad Blog.
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    ReadyForZero Blog

  • I Lost Control of Money During a Break Up, Don’t Make The Same Mistakes I did

    Felicity Nie
    25 May 2015 | 8:00 am
    After breaking up with a guy who I had dated for almost 10 years, I immediately went to the mall and spent over $1,000 on new clothing. The next day, I decided that I wanted to learn how to go camping and went to REI to buy over $500 in camping supplies. Retail confession: this was the start of a debt-filled journey to get over my ex. Spending a ton of money on new clothing, new hobbies (along with every accessory for that hobby), and all-girls trips to the spa, fancy restaurants, and the hottest new bars would make me feel better, right? My plan in retail therapy completely backfired months…
  • You Can Start Saving a Lot of Money By Following These Simple Steps

    Kayla
    22 May 2015 | 8:00 am
    Willpower, the well-meant angel on our shoulder, has an extremely tough job to tend to. It’s the over-seer of so many things we’d rather forget: our budget, eating plan, or exercise routine. Despite how hard it works to keep us on the right path, it usually can’t stand up to our whims and cravings. Saving money isn’t easy. It’s something we all struggle with. When it comes to money, the result of our ability to silence our willpower is an instant gratification mentality and a financial foundation that is rocky at best. Fortunately, there are other ways to save money that…
  • The World’s Sexiest Looking Credit Cards

    Kevin Yu
    21 May 2015 | 12:00 pm
    We all already know what the most exclusive credit cards are: the Amex Centurion and Chase Palladium. Have we ever stopped and wondered who did the best in designing the aesthetic looks of their cards? We’ve examined hundreds of credit cards and compiled a list of the sexiest looking cards. We’re not judging these cards by how exclusive they are, but rather how much effort and time was put into the design. So without further adieu, here are our top picks of the world’s sexiest credit cards.  The Ritz-Carlton Rewards Visa It’s clean. It’s simple. And brings sexy…
  • Should I Settle My Credit Card Debts? Caution: It’s a Long Road Ahead

    Kevin Yu
    21 May 2015 | 8:00 am
    Thinking about settling your debts? Hang tight- it may not be the best option for you. If you’re reading this, you probably have some questions about the debt settlement process. I used to work for some of the biggest debt settlement companies, and I can tell you right off the bat that you should tread with caution. Debt settlement can be an effective approach to paying off your debts, but what exactly are the ramifications? Misleading Advertisement on saving 50-60% of your debt Have you seen advertisements stating that you can knock out 50-60% of your overall debt amount? Seems too…
  • Talking About Money With Friends Can Be Difficult, Here’s How You Do it

    Felicity Nie
    20 May 2015 | 12:00 pm
    No one likes a friend who brags about being rich or constantly complains about being broke. The Miss Manners in me never liked to speak about the specifics of my money problems.  After all, we’re all taught that mixing friends and money is never a good idea. But what would change if we were more transparent in everyday conversations about the realities and problems we all face: credit card debt, student loans, paying bills and taxes, saving for retirement, and managing investments? Would friendships really end? Money problems and disputes can end friendships, but the actual cause of money…
 
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    Kali Hawlk

  • Want to Change Your Circumstances? Change Your Mindset

    Kali Hawlk
    6 May 2015 | 4:00 am
    There’s a short loop I like to run near my house. This particular route doesn’t have a level, flat section on it. I’m either trudging up a hill or pounding down one. Constantly running up and down hills isn’t easy. It requires you to power through when you’d really prefer to slow to a shuffle. Your legs burn from the effort of propelling yourself not only forward but upward. Running hills often sucks. It hurts. When I run this route, or when I run longer distances than I’m used to, or when I try to do things like interval training — whenever I push…
  • Around the Web: April 2015

    Kali Hawlk
    29 Apr 2015 | 4:00 am
    Looking for a little inspiration and motivation? Need new sources of education and career and business information? Look no further than this fantastic resource put together by One Woman Shop, featuring 100 best sites for solopreneurs. There are some old favorites of mine on this list, broken down by category — and there are a number of new-to-me resources I can’t wait to browse through. You know what’s crazy about that list? They included me on it! Holy cow! I was completely surprised and absolutely honored to be included on this list (under Finance and Law with friends…
  • Make the Most of Your Money: Are Conferences Worth It?

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

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

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

  • Steps To Keep You From Being Foreclosed On

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

    Shelly Evans
    19 Apr 2015 | 10:29 am
    During financial emergencies, getting quick cash from lenders can be tough. Most lending companies require good to excellent credit history from their clients. In addition, the processing of your loan application can take weeks or even months to complete. The post The Benefits of Bad Credit Payday Loans appeared first on BadCreditResources.com | Credit Repair Articles.
  • Do You Need A Poor Credit Car Loan?

    Shelly Evans
    14 Apr 2015 | 5:22 am
    You terribly want to get a car loan at this time but your credit worthiness is way below average. You are doing your very best to improve your credit but anticipating another 6 months before you apply for any car loan is not actually an option. You wonder, is it possible to acquire a car financing with poor credit? And The post Do You Need A Poor Credit Car Loan? appeared first on BadCreditResources.com | Credit Repair Articles.
  • 5 Ways To Fix Your Credit Score

    Shelly Evans
    12 Apr 2015 | 1:47 am
    Today, now more than ever, it is important to have a good credit score. Bad credit can keep you from having a phone, utilities in your name, getting an apartment and even obtaining insurance. There are easy ways to fix your credit score. This can be done easily and for free in many cases. Poor Credit Loan services are expensive The post 5 Ways To Fix Your Credit Score appeared first on BadCreditResources.com | Credit Repair Articles.
  • Why Are Prepaid Debit Cards Becoming More Popular And Can They Meet Your Financial Needs?

    Shelly Evans
    26 Mar 2015 | 3:09 am
    A prepaid debit card can generally be utilized as “starter”  card if you believe you are not ready to handle a credit card. Although normal credit cards help you buy things with money that you do not have inside your bank account, and prepaid credit card is limited to what you have in your checking account.  Why Debit Cards Are Becoming More Popular The post Why Are Prepaid Debit Cards Becoming More Popular And Can They Meet Your Financial Needs? appeared first on BadCreditResources.com | Credit Repair Articles.
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    Make Money Your Way

  • Why you can be a bad trader and still make money

    Pauline
    18 May 2015 | 11:05 pm
    Enjoy this guest post from Rolf of Tradeciety! Tradeciety is a trading blog created from traders, for traders. Rolf and his team challenge common trading wisdom, debunk trading myths and offer a unique and different view on trading and the financial markets. You can read more from Rolf at Tradeciety.com or stay up to date by following […]The post Why you can be a bad trader and still make money appeared first on Make Money Your Way.
  • 4 Surefire Online Jobs for College Students

    Pauline
    31 Mar 2015 | 4:05 am
    Good morning everyone, this is a guest post from Basheer Ahmad. He is a student doing online jobs to earn money at spare time. He also shares Real Internet Jobs for College Students with other students to encourage them start doing work online when they are free. Connect with him on facebook or twitter Online jobs are the prime source for […]The post 4 Surefire Online Jobs for College Students appeared first on Make Money Your Way.
  • January 2015 blog income and stats recap

    Pauline
    16 Feb 2015 | 1:50 am
    Welcome to the first 2015 blog income and stats recap of MMYW! January was again spent living a mostly offline life, I was in Spain and France, and flew back to Guatemala on the 30th, through a NYC snow storm, managing to make it home on time which was a miracle. I mostly kept the […]The post January 2015 blog income and stats recap appeared first on Make Money Your Way.
  • Make extra money: Rent your parking space

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

    Pauline
    25 Jan 2015 | 2:05 am
      Every other Monday, we look at real estate as a way to make money. I have explained why I believe real estate is one of the best ways to grow wealth, and gone over a check list for first time investors. Today, we look at doing with what you already have, that is renting […]The post Renting part of your house or basement long term appeared first on Make Money Your Way.
 
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    Reach Financial Independence

  • Why you can be a bad trader and still make money

    Pauline
    18 May 2015 | 11:05 pm
    Happy Tuesday everyone! Over at Make Money Your Way, Rolf from Tradecitey.com explains the importance of risk reward ratio and how to use it. Click here to read more.. Share this on Facebook Tweet This! Pin this to Pinterest Stumble upon something good? Share it on StumbleUpon Share this on LinkedIn Share this on Google+ Add […] The post Why you can be a bad trader and still make money appeared first on Reach Financial Independence.
  • Don’t leave your financial future to the “experts”

    Pauline
    18 May 2015 | 6:29 am
    Some things should never be entrusted to others. Choosing your home. Raising your kids. Managing your health. You’d never delegate such things to someone else and walk away, no matter how skilled the “expert” is. By Vita Nelson, Editor, Moneypaper When it comes to the really important things in life, you’ve got to do it […] The post Don’t leave your financial future to the “experts” appeared first on Reach Financial Independence.
  • How I Celebrated Mother’s Day

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

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

    Pauline
    27 Apr 2015 | 12:05 am
    Today, I have teamed up with Shannon from The Heavy Purse and a group of awesome bloggers to talk about getting financially real with your finances. You can read the other posts over at The Heavy Purse.     I know a lot of people live in denial with their finances. That may mean knowing […] The post Getting financially real appeared first on Reach Financial Independence.
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    MoneySmartGuides.com

  • 4 Instances Where You Should Consider Seeking Compensation

    Jon Dulin
    25 May 2015 | 4:02 am
    Business is fraught with legalities of various size and importance. However, certain issues require more serious attention than others – many of these areas deal directly with compensation. To clarify – compensatory measures are taken when you feel your business has been unlawfully harmed by the actions of another party. Below we have listed four instances where you should consider seeking some form of compensation. 1. Income Loss Businesses must be able to protect themselves against loss of income caused by a range of potential issues both internal and external. If someone or a group of…
  • An Education In Finance

    Jon Dulin
    22 May 2015 | 4:00 am
    Nobody teaches ‘money’ at school. It might be a good idea if they did. There are many businesses that exist to persuade people to part with their money. They range from banks and insurance companies to the whole of the retail sector, online and on Main Street. There is no suggestion that there is anything wrong with them but how people handle their financial affairs impacts greatly on their happiness. There are some simple tips that will help everyone, no matter their age so that they have a good chance of avoiding trouble. Events such as the recent recession can ruin the best of plans,…
  • You Are Your Greatest Enemy When Investing

    Jon Dulin
    18 May 2015 | 5:12 am
    I talk a lot about investing here and regularly tell you that most of us fail because of our emotions. We get too excited or too scared and do the wrong thing at the wrong time. I even detailed my struggles with the post of my worst investments ever. One thing that I did after making these mistakes was to look back on them and see where I went wrong. While it wasn’t always easy to admit that I screwed up (it would have been a lot easier to ignore it actually), it was what needed to be done. Below are some tips for you to take a proactive approach with your investing so that you can be a…
  • Betterment Introduces RetireGuide, Other New Features For Investor Success

    Jon Dulin
    15 May 2015 | 4:05 am
    Most readers know that I am a big fan of Betterment. I have been investing my money with them for a few years now and have had zero complaints. While I do like the ease of automatic investing as well as their low fees, what I enjoy most is that they are always innovating. I get email updates from them all of the time about new features they are starting to offer clients. The other day, I received another such email and had to share it with you. They have come out with two new features, RetireGuide and TLH+ for all customers. Not sure what either of these are? No worries as I’m about to tell…
  • The Problems With Dave Ramsey Investing Advice

    Jon Dulin
    13 May 2015 | 4:45 am
    When it comes to personal finance advice, everyone has their opinion. In a way, this is good, as you can get differe